Amelia and Marcus

How restructuring pensions gave peace of mind

My husband is in care due to a long-term medical condition and we needed financial advice, specifically relating to the impact of legislation on his substantial pensions.

Phil was not only able to help me resolve my initial issues but also identified further opportunities to improve our financial situation. He took me through a thorough assessment of our personal circumstances and established that the pensions in question could be restructured to provide crucial financial support for our whole family, not only during my husband’s life but beyond.

My husband was unlikely to see the benefits of one of his pensions due to his life expectancy and the proceeds would be substantially reduced on his death, with any remaining benefit subsequently lost on mine. Phil advised to restructure my husband’s pensions to be fully flexible for his lifetime and provide more certainty and security to our family when he finally passes.

He patiently and sensitively helped us navigate a very complicated and emotive process to get these affairs in order. It’s a great comfort to feel more in control of our future.

Phil continues to advise us on an ongoing basis to ensure everything is managed appropriately and family income is taken tax efficiently. This was beyond the financial advice I had hoped for – it was peace of mind.

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“It’s a great comfort to feel more in control of our future.”

Amelia and Marcus
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