Andy and Jan

Planning for retirement

Andy and Jan live in Yorkshire. Andy retired two years ago at the age of 61, having previously worked as an electronic engineer for a consultancy firm. Jan is in her sixties and continues to work part-time for the Church. They have two daughters and one grandson.

Andy says: “When my financial adviser retired due to ill-health, Investment Sense was recommended to me.

At the start of our relationship with Bev, she looked at all of our income and expenditure and made us consider what expenses we were likely to  have in the future, such as home maintenance and improvements. She also made us consider ‘what if’ scenarios.

One of the outcomes of this exercise was to change the ownership of the property in order to minimise inheritance tax and also ensure the surviving spouse was provided for. We needed a solicitor to make the necessary changes, but we wouldn’t have thought to do this without Bev’s advice.

Bev has since advised and handled everything to do with my pensions and investments. She has undertaken research and advised us on what to do with them, even if it’s to keep them as they are. She always explains the pros and cons and backs up her recommendations with information and explanations.

I now enjoy an active retirement; I love mountain-biking and playing the guitar, and I’ve started a band. I’m also involved with the U3A (University of the Third Age) and our local Church. I do the occasional freelancing contract but otherwise, keep my engineering skills up to date around the home.”

Jan says: “Bev is comprehensive without being overwhelming. We trust her to guide us on all of our financial decisions. As a result of her advice over the years, and by making some changes to our investments, Andy was able to retire at 61. Ultimately, Bev removed the worry of making decisions that we wouldn’t have otherwise considered, and we are very grateful for that.”


The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Levels of taxation will depend on the individual circumstances of the investor and are subject to change.

The Financial Conduct Authority does not regulate Tax and Estate Planning.

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