I spoke with James, who was due to come into a substantial inheritance, and wanted to put in place a holistic plan that would secure his own retirement. As James had been contracting for most of his life, he had largely neglected retirement planning.\n\nAfter an initial chat with James, I identified exactly what was important to him and his family, and what his financial goals were, over the next 5, 10 and 20 years.\n\nJames now has a solid financial plan, that will allow him to retire at age 60, with an income of £60,000 per annum.

We utilised his full pension allowance, and set up tax efficient investments that are geared towards growth. We also ensured he was adequately protected against illness, so if he could not work, his financial plan remained intact.