Helen wanted to make the right financial solutions were in place to support both her and her family’s financial future. So, this is how we set about making sure she had peace of mind and one less thing to worry about. 

Helen never expected to find herself late-forties and getting divorced. She was going through a very difficult time in her life, feeling very vulnerable and having not had dealt with the family finances for a long time she felt ill-prepared to make any financial decisions. She wanted to take control and get her independence back and needed Kilsaran Financial Planning to help make this happen.

• Helen has previous employer pensions from before she took time out to raise the family, she now also was entitled to some of her ex-husbands pension and didn’t know what to do.
• Helen was entitled to a lump sum as part of her divorce settlement however didn’t have the time, knowledge or expertise to know where to invest it. It was all rather daunting! 
• Never having had to plan her financial future before Helen didn’t really know what goals in the short, medium or long term that she should be working towards. She was just getting by day to day but knew this was something she needed to address.

• We took time to discuss with Helen what her future might look like now and helped her work out some goals taking into account what this settlement could help her achieve. Helens ex husband was paying the school fees so these was taken care of.
• As the kids were older, she wanted to return to work and retrain for the career, she had always wanted. Before she had the kids, Helen had worked full time and enjoyed being independent.
• To be able to retire at 60. Helens father had died before getting the chance to enjoy his retirement and Helen wanted to be able to have the choice to retire early. 
• We worked out a suitable level of risk and recommended different strategies to hold investments in the most tax efficient way. 
• We reviewed Helens existing pensions and merged these with funds Helen received from her ex-husband’s pension, giving her greater clarity around her future pension income. 
• We invested the lump sum in a tax efficient way, she used some of this to provide an income for herself and the family until she was fully trained in her chosen career. 
• We did cashflow analysis to make sure her short, medium and longer terms goals were on track. Retirement at 60 was looking promising!

• Helen knows she can still pay the bills and support her family when she is retraining as she has the income to make sure all her monthly outgoings are taken care of.
• Helen is now back in control of her financial future for the first time in years, she has a grasp of her finances and knows she has the team at Kilsaran Financial Planning supporting her whenever she needs them. She looks forward to her annual reviews now – something she would be dreaded having to do in her previous life.
• Retirement at 60 is looking promising! Helen knows she is on track to have the retirement she dreamed of. 
• Helen is now confident that her pensions and investments are invested in a portfolio that suits her attitude to risk and that these are being actively managed on her behalf.

We’ve changed some names and identifying details to protect our client’s privacy.

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The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. 

The advice provided was given after a full evaluation of their specific needs, circumstances and requirements. The solutions provided would not be suitable for most investors and the information provided does not constitute advice.