Peter is now 57 and looking forward to retiring on his 60th birthday.

He’s always regarded himself as an astute investor but in the last few years there has been a sizeable fall in the value of his investments and pensions. As his retirement date approaches Peter is concerned that a further fall in his portfolio may delay his retirement.He was looking forward to enjoying several holidays a year with his wife, Mary and

After many years of hard work John is now a successful business owner and enjoys a very comfortable lifestyle.Over the years he has built up some cash savings, a variety of investments and a number of pensions with different companies. At this point John has no idea of the value of his current portfolio and hasn’t had it reviewed