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Recently Widowed

 

Client Profile

June was introduced to me after the death of her husband Ian. She had inherited a number of funds and individual shares which Ian had bought over the years. She also had a number of fixed rate deposit accounts, some of which had been extended and were not offering a very good rate of return.

 

June did not have the knowledge or confidence to look after the investments herself and came to us looking for advice. She was receiving a number of dividends from the investments which came in on an ad hoc basis and was unsure how much she could spend going forward without running out of money.

 

She also wanted to be able to make occasional gifts to her grandchildren and was considering purchasing a smaller car.

 

Our approach

We put together a list of all her assets so at a glance we could see exactly what she had. June then put together a budgeting plan so we could determine how much income she required for her to have financial security going forward. She did not want to take a high level of risk but did want her money to keep up with inflation and provide some real returns.

 

We advised June, how much income she could expect and how much she could gift without it impacting her future lifestyle and financial security. We consolidated her investments onto an single investment platform that helped simplify the management of her investments and provided an annual tax voucher which helped her complete her self-assessment return.

 

As June did not need to take the level of risk she was taking we re-arranged her investments so she was taking a more cautious approach.

 

We advised June that she would need to make a new Will as her existing one was now out of date and at the same time she should put in place a Lasting Power of Attorney in case she needed help in making decisions in the future due to being ill or having lost mental capacity.

 

We made sure she had sufficient money on deposit to cover emergencies and to cover the purchase of a smaller car and future gifts to the grandchildren. We agreed to review her situation on an annual basis but said to call us at any time if she needed our advice.

Testimonials

I had a couple of pensions, which I wanted to combine. Having researched local financial advisers, it became clear Crown Wealth and Brian were highly recommended. Brian listened to what I was looking for and then made a solid recommendation. Once agreed everything was implemented as and when he said it would be. I am seeing growth over and above what was forecast and more importantly above ...

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Mr L. – Shrewsbury

I needed to trust someone that would listen to my needs and ensure that the decisions made were the right ones for my long term objectives. Brian took the time to personally review all my financial matters, including my business operations and properties. Brian was then able to forecast my future in order to meet my personal objectives and wealth.  I have regular meetings with Brian and his...

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Mr Williams – Local businessman

We have been meaning to write to you for some time now to thank you for all that you did for J. over the many years you helped her. She held you in great esteem and really appreciated the open and friendly way you helped her. Thank you.

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Mr P. – Somerset

I have neither the expertise nor time to maximise my investment opportunities. To seek professional advice was the best option for my wife and for me. Brian reviewed our combined and separate assets and devised a series of investment options for our appraisal and action. Liquid assets have grown well so far.

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Mr P. – Mid Wales

Required inheritance to be invested. Brian offered me trustworthy advice in a clear manner.

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Mr Jones – Shrewsbury

Both E. and myself have been extremely pleased with the results of the advice you gave us.

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Mr and Mrs G. – Wolverhampton

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