TYPICAL CLIENT PROFILES
So, what kind of person would benefit from our services?
Whilst every client is different, you may be able to identify yourself or your likely circumstances from the typical client profiles below. Click on the relevant link:-
Profile 1 - Ages 60-75
Profile 2 - Age 50+
Profile 3 - Age 20+
Profile 4 - Age 30+
Profile 5 - Age 40+
Profile 6 - Age 40+ onwards - Women & Divorce
Profile 7 - Any Age - Inheritance Tax Planning
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Typical Client Profile One
Mr. and Mrs John Smith - Age 60-75
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You will be retired or semi-retired, taking your company or state pension, together with some Investment Income and enjoying the benefits of the toils of your labour after years of hard work. No more alarm clocks and no more work routine.
It is important that you do not underestimate how many years you may spend in retirement. With people living longer, you could expect 20 years or even more of retirement.
You now have plenty of time for those long holidays but your money also has to last a little bit longer than you first thought.
You may well own your own house and the children will be off your hands. You may well have money tied up in ISA's, PEP's, Unit Trusts, National Savings and Premium Bonds and Cash.
You probably feel that your money could be working harder for you and you now want to tailor your plans to a lower-risk profile in order to increase your regular income. However, chasing the highest return is usually not necessarily the answer.
Primary Objectives
- Regular monthly/quarterly/annual income
- Some capital growth
Regular monthly/quarterly/annual income - You may wish to generate more tax efficient income payable monthly, quarterly or annually, to supplement your existing income and pay certain of your household expenses on a monthly or quarterly basis.
Capital Growth - you do not wish to neglect Capital growth in the event that inflation raises again in the future.
Ideally, you would like Singer Financial Trust to assist you in planning an income/investment strategy to enable you to achieve your financial aims. I would understand that you do not have other financial needs at this time although you may in the future.
Call now and let Singer Financial Trust assist you in planning your Personal/Investment strategy on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
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Typical Client Profile Two
Mr. & Mrs Paul Brown Age 50+
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You will still be employed and on a regular income, with all the normal company perks and the chances are that Mrs Smith is still at home or working part–time.
You will have your own home, which is mortgaged with a leading Lender or the mortgage may have been paid off and you will have a comfortable standard of living.
You would have money tied up in some ISA's, Shares, Unit Trusts some cash, National Savings and Premium Bonds or you may simply have money in an account that is paying a low rate of interest.
Your priorities have changed as you have got older.
Primary Objectives
- Retirement planning
- Regular monitoring of investments
- Goal setting
Retirement Planning - You want to know you have enough money to retire on when you stop work.
Regular monitoring - you want to make sure that your investments are regularly reviewed so that they keep in pace with your retirement expectations.
Goal setting - you want to be flexible in your aims for when you retire.
Call now and let Singer Financial Trust assist you in planning your Personal/Investment strategy on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
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Typical Client Profile Three
Miss Penny Jones and/or Mr Jack Lubin - Age late 20’s
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You will be in your late 20's, out of University and in your first job.
You will be intelligent, ambitious and will probably be sharing a flat with five others.
You would have money gifted to you from your parents and probably some cash of your own.
Your next stage is to start accumulating Capital in order to purchase a Property.
Primary Objectives
- Capital accumulation
- Tax efficiency
- Accessibility
Capital accumulation - you will be interested in accumulating capital within a tax free environment. This could ensure greater capital growth for one of the major purchases in your life.
Tax efficiency - You will want to ensure that youe funds accumulate free of personal tax and income tax in order to put you one step ahead.
Accessibility - you will not want to have your money tied up for long periods. This makes it easier for you to access the money as and when you require it
Call now and let Singer Financial Trust assist you in planning your Personal/Investment strategy on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
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Typical Client Profile Four
Mr Clinton Connor Age 30+
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To balance your financial priorities you may feel you need the skills of a juggler than an accountant.
Children are expensive - full stop - as any parent knows. it is not simply a question of paying for clothes, food and childcare.
You are most likely to incur this extra expense when the family income has been squeezed – either because your partner has given up work or is now working part-time, or at the very least, taking maternity leave.
It is estimated that the average child costs £130,000 in the first 18 years of its life. If you want to send yours to a private school, or help towards university fees, the final figure will be much higher.
Many couples - even if they count themselves as being reasonably well off - can be caught out by just how much of an impact a new arrival can have on their budget.
While an increase in spending in one area normally means cuts will have to be made elsewhere, you can avoid the worst of it by planning ahead and doing some clever financial footwork.
The key is to keep your finances as flexible as possible. You need to consider the position if you or your partner were unable to work due to illness or either of you were to die prematurely. You also need to consider a will if you have not done so.
Primary Objectives
- Insurance Protection in the event of a major illness or disability
- Protecting your family in the event of your premature death
- Capital Accumulation
I understand that you will have no other financial needs at this time although you may in the future.
Call now and let Singer Financial Trust assist you in planning your Personal, Investment and Protection strategies on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
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Typical Client Profile Five
Mr and Mrs James Robertson – Age 40+
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You will both be still be in you 40's, and the chances are that Mrs Robertson is still at home looking after the children or alternatively working part-time in your business.
You will be an entrepreneur and hence, running your own business on a good income with all the normal perks. You will have your own house with a substantial mortgage.
You would have most of your money tied up in your business or your house. You may even have some savings.
You may be uncertain about how much you should be saving for your pension or you may simply have money in Investments which require close monitoring.
Primary Objectives
- Restructuring your current income/expenditure
- Capital accumulation
- Family/business protection against your premature death
- School fees planning
- Managing your personal finances much more effectively
Call now and let Singer Financial Trust assist you in planning your Personal, Investment and Protection strategies on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
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Typical Client Profile Six
Women & Divorce - 40 onwards
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You are going through a traumatic time and you are towards the end of the proceedings. You now need to discuss the financial implications in a non-threatening environment.
Call now and let Singer Financial Trust assist you in planning your post-divorce strategies on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
The personal touch is preferred and, hence, there are no call centres.
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Typical Client Profile Seven
Any Age
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You have a problem with a potential Inheritance Tax liability and you need some assistance, as your current assets are greater than £275,000.
Primary Objective
- Inheritance Tax Planning - you will be interested in mitigating your inheritance tax in order to ensure that the maximum capital is retained by your beneficiaries.
Call now and let Singer Financial Trust assist you in planning your Inheritance Tax strategy on:
- Phone: (020) 7763 6016
- Mobile: 07931 90 84 82
- Fax: (020) 7763 6116
- E-Mail: ifa@singerfinancialtrust.co.uk
- Complete Enquiry Form
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