Jeremy and Lynne's Case Study

Jeremy and Lynne were in their 40s and, though both had well-paid jobs, they were concerned that they were not contributing enough to the various investments and pensions that they had accumulated over the years.

Jeremy and Lynn's main financial priorities were:

• To simplify the financial affairs as much as possible
• To build their investments in preparation for their children's university fees and their eventual retirement
• To reduce their exposure to stock market fluctuations

We calculated that Jeremy and Lynne were paying premiums to life assurance policies that were surplus to requirements, as the death-in-service benefits provided by their employers were sufficient. We therefore recommended that they cancel these policies and redirect the monthly cost to increase their investment contributions.

We conducted a thorough risk-profiling exercise, which confirmed that both Jeremy and Lynne were risk-averse, so we reduced the exposure of their investment and pension funds to equities, and ensured that they were diversified across a wide range of asset classes.

What Jeremy and Lynne said about Cilbenrick:
"We have found the level of service provided by Cilbenrick very thorough and detailed, proving very informative and helpful, thus enabling us to make decisions about our future and our children's."