Case Study 1 – From uncertainty to financial confidence

Client Profile:

• Alex, 34, a project manager at a local authority
• Recently sold a property and had £120,000 available for investment
• Has a mortgage of £260,000 on a fixed rate of 4.5%, with the ability to overpay 10% annually
• Felt overwhelmed by financial  decisions and wanted clarity and control over his future

How Life Planning Ltd helped: Alex’s biggest concern wasn’t just where to invest – it was how to make his money work for his life. He wanted to be sure that today’s financial decisions wouldn’t limit his future choices.

In our discovery meeting, we asked the right questions:

• What lifestyle do you want in 10, 20, 30 years?
• What do you value most – security, flexibility, or growth?
• What financial decisions have you made so far, and how do you feel about them?

Through this deep financial life planning approach, we designed a strategy that gave Alex control and flexibility:

• A structured mortgage strategy – keeping flexibility while ensuring manageable overpayments
• A mix of investments – not just for growth, but to ensure he had access to funds when needed
• A step-by-step pension plan – aligning with his career and aspirations for later life
• Annual reviews – so that his plan adapts as his career and goals evolve

The Outcome:

Rather than just “investing money,” Alex now has a clear roadmap for his financial future. He’s no longer making isolated financial decisions – he’s working within a bigger life plan. With ongoing support, he now:

• Feels confident knowing he’s in control of his finances
• Has the freedom to adjust his plan as his life changes
• Understands how every financial decision impacts his long-term goals

Case Study 2 – Turning wealth into freedom

Client Profile:

• Mark & Helen, late 50s, sold their successful consultancy business
• Had £2.1 million in liquid assets, alongside pensions and investments
• Needed a sustainable net annual income of £140,000 for retirement
• Wanted to ensure tax efficiency and long-term security, but above all, peace of mind

How Life Planning Ltd helped: For Mark & Helen, their biggest concern wasn’t just about preserving wealth – it was about ensuring they could enjoy life without financial stress. They didn’t want a generic “investment strategy” – they wanted a plan that fit their life, values, and aspirations.

Through our discovery process, we focused on how they wanted to live, rather than just what they owned. This helped us design a financial plan that prioritized their lifestyle and personal goals:

• Structuring their assets so they could spend freely without worrying about market fluctuations
• A clear withdrawal strategy, so they could enjoy their income without unnecessary tax burdens
• Future-proofing their finances, ensuring their wealth remains protected for the long term
• Annual planning meetings, allowing for adjustments based on lifestyle changes, tax legislation, and investment opportunities

The Outcome:

For the first time, Mark & Helen felt truly in control of their financial future. With Life Planning Ltd.’s ongoing support, they now:

• Feel confident in spending without fear of running out of money
• Have a living plan that evolves with their changing needs
• Know their finances are working for their lifestyle, rather than their lifestyle being dictated by their finances