Lisa's financial planning

Client stories

Lisa's financial planning

Lisa originally got in touch for mortgage advice, but after that was sorted out, she also asked for our help with retirement planning and life insurances too.

Mortgage advice

Lisa was referred to us from a friend and existing client because her relationship with her former mortgage adviser had broken down and she needed to find a new mortgage, with her current deal soon coming to an end.


Lisa needed a new mortgage adviser in Swindon to help her find the best rate moving forwards.

She also had some savings, and was unsure whether she should look to invest that money for longer term growth, or hold it back to cover financial emergencies.


After a thorough discussion about her options, we agreed to use a mortgage offset account – where her cash savings reduces the interest charges she pays on her mortgage, but she could still access the cash for emergencies, if needed.


Your home may be repossessed if you do not keep up repayments on your mortgage.


Mortgage concept

Retirement planning

After successfully re-arranging Lisa’s mortgage, she asked us to advise her regarding retirement planning.

Lisa had changed roles throughout her career, and had accumulated many different pension pots. She was keen to understand more about her pensions, work with a pension adviser in Swindon, and ensure the money was being managed for her.

We reviewed Lisa existing pensions – they were invested in a variety of different ways, none of which matched Lisa’s outlook on investing.

Therefore, we advised on a new pension arrangement for Lisa, and consolidated her existing pensions.

She now has a single pension plan, which is invested in a portfolio of funds which matches her feelings about investment risk, as well as her retirement planning goals – i.e. the age at which she wishes to stop working, and the amount of income she’ll need.

Pensions are a long term investment. You may get back less than you put in.
Pensions are also subject to tax and regulatory change; therefore, the tax treatment of pensions may change in the future.


Health insurance concept

Life insurances

Lastly, Lisa asked us to review her insurances. She had some cover in place personally as well as benefits via her employer, but didn’t really know if this provided the right type or amount of cover.

We analysed Lisa’s existing personal policies, and understood the benefits offered by her employer.

Once we knew her current position, we could see that she had plenty of life insurance, which would pay out on death, but her protection against falling ill was less than ideal.

So we arranged additional income protection insurance, which dovetailed with her workplace benefits, to make sure she continued to receive enough income to meet her outgoings if she became unwell for the longer term.