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Spotlight on: Late Financial Bloomers

Sarah Mitchell 45 Tom Mitchell 44

Case study

Sarah and Tom are newly married and have 2 children that have just started school. They have just finished paying for childcare. Sarah has re-entered the workplace full time on a salary of £42K as a PR Manager for a Finance company. Tom is self-employed and runs a recruitment agency taking home a salary of £38K.


• Two children just starting school


• Sarah has had anxiety in the past and been off with stress from work on two separate occasions.


  • Sarah has Group Income Protection with integral wellbeing support

  • Mortgage with 22 years left to pay

  • More disposable income due to finishing childcare payments and Sarah returning to work

  • Interested in making home improvements rather than investment

  • Workplace pension

  • Combined credit debt of around 16K

Elderly care

  • A parent that requires some care and support

Adviser considerations

  • Wellbeing support and financial advice for individual and families through Group Protection

  • Maximise Pension Contributions on Group pension

  • Income Protection cover for self-employed

  • Life cover plus Critical Illness cover

  • Potential to invest in ISAs or bonds.

  • Inheritance tax planning

  • Trust planning

  • Additional pension

Adviser tools

These online tools are free to use and designed to enhance client engagement 

Life expectancy calculator

A useful tool t help find out your clients average life expectancy, so that you can help plan their future and retirement option.

Try calculator

The budget planner

This online tool looks at your income and outgoings to help your clients understand and manage their budget.

Try calculator

Customer support

Find answers to commonly asked questions, helpful links, tools and contact details.

Customer support