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Case Study

Retirement planning

David and Anna are aged 58 and 60 and, following a minor health scare, they realised what is truly important to them and have decided that they want to bring their retirement plans forward

David and Anna are aged 58 and 60 and, following a minor health scare, they realised what is truly important to them and have decided that they want to bring their retirement plans forward. They have grown up children who are financially independent, own their own property, and have repaid their mortgage.  They love where they live and do not want to move from their home.

Having both had successful careers, they have saved into pensions as much as they could, given the commitments of bringing up their family and repaying their mortgage. They both have a full entitlement to the state pension from age 67.

More than anything they want to enjoy a truly fulfilled retirement whilst they are still young enough and healthy enough to do so. They want to travel together seeing much more of the world than they have been able to, given their busy lives, and want to know if they can afford to take early retirement and pursue their life aspirations.

They anticipate that they will do their travelling in the first 10 years of their retirement, after which they anticipate a reduction in their outgoings.  

David and Anna have provided the following information about their current financial situation:

The financials

Using sophisticated cash modelling software, David and Ann’s adviser demonstrates that, based on moderate assumptions about investment growth and inflation, they should be able to meet their income objectives in the long run. 

The cashflow modelling software provides David and Anna with projections of their current assets, both in nominal and real money terms, to provide them with the confidence that their pensions, savings, and investments will be sufficient for them to actualise their aspirations and provide them with the retirement income they need.  

Nominal money projection

Real money projection

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