John would like to retire and has decided to sell his business.   Having built up savings in pension arrangements with a number of providers he would like advice to establish how to provide income throughout retirement from both his pensions and capital from the sale of his business.

David, an elderly, single gentleman had a fixed and guaranteed source of income along with substantial assets that meant his estate would be liable for Inheritance Tax (IHT) on his demise.

Carol, the daughter of an existing client, is a junior NHS doctor. Her father recently gifted her £175,000