Peter helps individuals to build a robust financial plan that highlights the most efficient way to achieve their lifetime goals, and the steps they should take along the way to maximise their chances of arriving where they want to be.

Sean and Amanda came to Wingate due to a recommendation from their accountant who had suggested they make a pension contribution as their business had been profitable.

Previous financial planning had been sporadic and both Sean and Amanda described themselves as being ‘overwhelmed’ with pensions, investments and their private and commercial mortgages. Having no idea where to start, they had avoided any financial planning altogether. They had two main objectives: to clear their mortgage by the time Sean attained fifty years of age, and pass over the day to day running of the business so they could spend more time in the west country.

Peter dealt with our initial query promptly and efficiently; we only had a few days to make the pension contribution as we needed to close our year end. With this initial time sensitive matter out of the way, Peter took the time to learn more about what we wanted to achieve in our lives.

We run a jewellery business that specialises in exporting to the Middle East. Our income can vary widely, as our materials are expensive, and we rely on a small number of high value contracts which arise inconsistently.

We do not consider ourselves to be wealthy people, but Peter showed that based on cautious assumptions we were well on track to achieve our financial goals. He consolidated the information on our various plans and overall financial position into a single sheet of paper. This level of simplicity was really valuable, and a huge comfort.

In addition, Peter made several recommendations to help us increase the efficiency of our plans. Firstly, Peter recommended that we offset our mortgage which reduced our outgoings but retained the necessary liquidity for stock and materials. He helped us to understand our pension and retirement savings, recommending a lower cost plan with a far simpler and understandable investment strategy. His analysis showed that by stopping regular pension contributions, and only making these in our best years we could retire earlier, and at lower total cost to us.

Overall, Wingate’s advice has been invaluable. It has given us the confidence to focus on our business affairs knowing that once a year Peter will help us to do the things we need to do to stay on track of our long term financial plans.

As our clients typically demand the utmost confidentiality, some of the information in this case study has been changed.

Other Case Studies

Planning For The Future: Michael & Helen

Ian helps his client by building a personalised cash flow plan and restructuring their income which gives them confidence to make decisions to help their family, happily knowing that we are still comfortably secure for the long term. Read more →

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