Case
Studies

The Retired
Couple (SKI’ers)

Thomas and Susan, had both retired and accumulated some savings and investments throughout their life. Susan had also been the recipient of an inheritance. This left them in a comfortable position financially being asset rich. However this had created a number of issues. How much would they be able to spend of their inheritance without affecting their future lifestyle? Could they pass some on to their son and daughter? What about gifting some to their grandchildren? Would their estate be subject to inheritance tax ?

Both Thomas and Susan realised that the disposal of their wealth would present them with as many issues as the accumulation had. Working with ARK has given them the peace of mind to know that they have a trusted adviser helping them to address these issues.

Making Sense
of it all

The Retiree

The Wealth
Accumulators
Retirees

Case
Studies

Who we
work with

Making Sense
of it all

George had previously dealt with an IFA but never felt he had a relationship with him. Over time he had accumulated a whole host of investments with a variety of different firms, creating a huge backlog of paperwork that was increasingly difficult to understand. Every time he saw his financial adviser he felt he would end up with something new. George never felt comfortable that his financial adviser understood his needs, everything seemed to be a ‘bolt on’ solution.

George met with an adviser from ARK who focused on his needs and wants for his financial future going forward, they worked together in creating a simplified strategy. The adviser was able to simplify George’s arrangements into one place that was easy to understand and manage going forward. George now has a relationship with a financial adviser and through regular, scheduled meetings is able to understand and see a way forward for his investment strategy.

The Retired
Couple (SKI’ers)

The Retiree

The Wealth
Accumulators
Retirees

Case
Studies

Who we
work with

The Retiree

Tom was approaching retirement and had accumulated a number of pensions throughout his working life. Some were company schemes from previous employers , some private schemes . Tom was referred to ARK by an existing client. ARK were able to advise Tom on the best course of action with regard to all his pensions. At ARK we advised Tom that one of his existing private pension schemes had a valuable guaranteed annuity rate that meant it was in Tom’s best interests to keep.

For his other pensions we were able to consolidate these and provide a better pension income than Tom was being offered by his existing pension companies. Because Tom had minor health issues and was a smoker we were able to obtain an enhanced annuity rate for him that increased his retirement income by over 25%. An increase that meant he would receive tens of thousands of pounds of additional income throughout his life.

The Retired
Couple (SKI’ers)

Making Sense
of it all

The Wealth
Accumulators
Retirees

Case
Studies

Who we
work with

The Wealth
Accumulators
Retirees

Andrew and Jacqueline, both in their 50s and both having worked hard to develop their careers had seen their children fly the nest. They had enjoyed a nice lifestyle but realised that retirement and sustaining that lifestyle was likely to be a growing concern. Having dealt with a number of financial advisers in the past they never seemed to develop a working relationship with one. After hearing about ARK from friends they got in touch. We at ARK managed to review their existing provision, provide them with a clear path forward with agreed actions and timescales within a risk profile ideally suited to their requirements to enable them to successfully plan for their retirement.

Alan & Jacqueline know that their retirement planning is in safe hands and they are working with a trusted partner to help them along the way.

The Retired
Couple (SKI’ers)

Making Sense
of it all

The Retiree