Client Profile – Couple with multiple pension pots seeking clarity and a path to early retirement.

The Challenge: Consolidating Pension Pots and Planning for the Future

The clients had several pension pots from various employers, each performing differently, and wanted to ensure they were on track for a comfortable retirement. Their main concerns were:

• Uncertainty about their finances after retirement: Multiple pension statements and accounts made it difficult to visualise their future financial situation.
• Affording early retirement: They were unsure if an early retirement was financially feasible.

They needed expert guidance to consolidate their pensions, streamline their investments, and gain confidence in their financial future.

Why They Chose Astute Financial Planning

The couple was introduced to Sarah through a trusted friend who highly recommended her services. From their first meeting, Sarah demonstrated:

• A deep understanding of their financial situation and personal goals.

• An ability to present complex financial information in a clear, jargon-free way.

• A tailored approach that gave the clients confidence in her expertise.

The Solution: Consolidating and Clarifying Pension Pots

Sarah undertook an in-depth analysis of the couple’s pensions and presented a clear plan to:

• Consolidate pensions that were underperforming or charging high fees.
• Transfer funds into more suitable investments aligned with their retirement goals.
• Regularly review and update their plan to ensure they stayed on course.

The process was managed efficiently, with minimal effort required from the clients. Regular updates and communication provided continued reassurance and clarity.

The Outcome: Confidence in Early Retirement

The couple successfully achieved their objectives:

• They now have a clear and accurate picture of their likely financial situation in retirement.

• They feel confident about their ability to retire early.

• Regular updates ensure they stay on track and can adjust their strategy if needed.

“We have a clear picture of our likely financial situation for our retirement and receive regular updates to ensure we remain on track. The process was smooth and easy, giving us total confidence in our plans.”

What They Enjoyed Most

The client valued Sarah’s ability to:

• Understand their goals and circumstances.

• Tailor advice and updates specifically to their situation.

• Simplify complex processes and provide reassurance every step of the way.

“The information and updates provided are always clear to understand and specifically tailored to suit us.”

Core Values in Action

The couple successfully achieved their objectives:

• Trust: The couple trusted Sarah, from the outset, knowing she understood their unique needs.

• Compassion: Sarah’s empathetic approach helped the couple feel supported and reassured.

• Respect: Tailored solutions demonstrated a deep respect for their individual circumstances.

• Learning: Jargon-free communication empowered the clients to fully understand their financial plan.

“Anyone looking for clarity in their finances or wanting to ensure they’re getting the most from their investments would benefit from Sarah’s expertise. If we ever need additional financial services, Sarah will be our first port of call.”

The value of investments, pensions and the income they produce can fall as well as rise. You may get back less than you invested.