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Discussion Summary

Reviewed current pension arrangements and confirmed the client's objective to consolidate three existing schemes into a single flexible drawdown plan. Discussed risk profile - both clients confirmed they remain comfortable with a Moderately Adventurous classification. Reviewed income requirements: target of £22,000 p.a. net from age 63. Discussed the impact of recent market conditions on the existing portfolio and confirmed no change to the long-term strategy.

Key Points Noted

Agreed Actions

Initial Fact Find & Risk Assessment

Ref: FN-AFP-2025-0088 · Adviser: Sarah Mitchell, DipPFS

Discussion Notes

First meeting with the clients to establish their financial position, objectives, and attitude to risk. Both clients are employed - Thomas is a senior project manager (£78,000 p.a.) and Rachel is a GP partner (£94,000 p.a.). They have three existing pension arrangements totalling approximately £274,500 across Scottish Widows, Aviva, and Standard Life. Primary objectives are consolidation for simplicity and cost reduction, with a long-term growth focus targeting retirement at 60. No immediate income requirements. Both confirmed comfortable with a balanced-to-adventurous risk profile following completion of the risk questionnaire.

Outcomes & Actions

Following a detailed review of the family's existing arrangements, we propose a restructured approach to estate planning that balances immediate income requirements with the long-term objective of preserving and growing wealth for the next generation.

Investment Allocation

Succession Plan

Produced by Gild

Following our comprehensive review of your financial position, we have prepared these recommendations in line with your stated objectives. This report has been prepared exclusively for you by your dedicated wealth management partner.

Financial Summary

Our Recommendation

Produced by Gild