Miss B approached Grosvenor Consultancy Limited as she was very unhappy in her job and wanted advice on whether she could retire early. She was 57 years old but was concerned that her employer’s pension was not available until age 60. She had a small amount of capital and a fairly small Additional Voluntary Contribution (AVC) fund alongside her company pension scheme.

If possible Miss B wanted to retire immediately and required an income of a similar level to her earnings to cover her outgoings.

We produced a lifetime cash flow analysis for Miss B which took into account her AVC fund, some of her capital, her company pension and her state pension which would commence at age 66. We were able to demonstrate that she was able to retire immediately and not suffer a drop in income prior to her company pension starting in 3 years time. She had a very cautious attitude to investment risk and we were able to structure her assets to minimise this.

Based on our advice Miss B was able to give up her job and spend time doing things she enjoyed. She told us that taking our advice had changed her life and she was extremely happy that she had requested our services.

Risk Warning and Regulatory Statement

Grosvenor Consultancy Limited is authorised and regulated by the Financial Conduct Authority (Reference 187799).

Tax rules, rates and allowances are all subject to change and are dependant on individual circumstances. The Financial Conduct Authority does not regulate tax advice and some forms of offshore investments. The value of investments and the income from them can fall as well as rise and you may not get back the full amount you invested.

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