Margaret and Brian

Margaret and Brian first met when they were in school. They become a couple at age 16 and married when they were 38. Margaret works in a family business and enjoys a modest salary but loves her work as a sales assistant. Brian worked for a number of large companies, testing electronics until he set up his own business at age 34 working as a consultant. He travels the world and enjoys a very good income. They have a son, Toby who is in University.

Margaret and Brian approached NTM so that they could get advice on the best way for Brian to reduce his work and travel less. Margaret’s priority was to maintain their lifestyle and enjoy an active time together when Brian decided to work less. They want financial freedom when Brian is 55.

NTM Financial Services Ltd met with Margaret and Brian to talk about what they want from life and get a clear picture of their current financial position. From this meeting we were able to provide advice on the most effective way to build up enough money and assets for Brain to significantly reduce the time he works. With some modest changes to their spending it was possible for Martin to retire.

Margaret was not convinced that having Brian home all day was one of her goals at 55!ap replica watches

Brian had his own business so we were able to adopt a more tax efficient approach to his income. This made a significant difference to the amount of money he had to spend or save. We saved money on their protection portfolio and put in place a series of plans to meet their objectives. Martin will be 55 in 4 years and is currently looking for a hobby to get him out the house. Margaret is helping him. A lot.