Our Work. Client Case Studies
Lifestyle Planning. Retire Early
After 30 years building a career and commuting to and from London, I wanted to take stock of my financial affairs. I was looking for a plan that would give me more career flexibility and choice in my 50s and at retirement.
I wanted to better understand: How much is enough? Is phased retirement a viable option? When can I start planning more sailing trips?
I sought advice from the team at Fish Financial, who have managed my pension for a number of years.
They explained the Fish Lifestyle Planning process and how they could use detailed income and expenditure analysis to ascertain exactly where I was heading and what I needed to do to meet my retirement goals.
The team at Fish Financial have helped me see a way forward. They’ve created a focused and consolidated retirement strategy, so I better understand when I can afford to work less and sail more
Chris Moore, Quantity Surveyor
Lifestyle Planning. Protection
We had recently retired and wanted to enjoy a comfortable lifestyle without the fear of ever running out of money. We also wanted to quantify and mitigate the financial risks, should anything happen to one of us.
We were looking for a solution that would ensure we remained financially secure and were adequately protected.
Having discussed our concerns amongst ourselves, we decided to get in touch with the team at Fish Financial.
They outlined the Fish Lifestyle Planning process and how they could use detailed analysis to ascertain exactly what resources we have available and how much we would need to maintain our lifestyle in retirement.
We wanted to enjoy a comfortable lifestyle in retirement, but worried if we’d have enough money or if we were adequately protected. Fish Financial put a plan in place that has far exceeded our expectations
Richard, Retired Airline Pilot
Pensions. Regain Control
My pensions and investments were scattered all over the place — literally a big box of letters, files and statements. I didn’t know where I stood, how my investments were performing or even what I was paying in fees.
I realised that unless I took control of my finances, my goal of retiring early and moving to Cyprus would remain an unattainable dream.
I’m now invested in a Fish managed portfolio, optimised to make the most of all available tax relief. I have online access to my account 24x7 and receive quarterly jargon-free performance updates, so I always know exactly where I stand.
I take comfort in the fact that I’m on track to meet my financial goals and I’ve finally managed to get rid of the ‘box’. Not only have I done away with complicated statements and paperwork, I’ve saved in fees, and on top of everything I’ve seen my investments grow by 26% - amazing in one of the most difficult economic times on record.
Ian and the team at Fish Financial - Thank You. You’ve given me back control. I’m no longer drowning in paperwork and I have peace of mind knowing my investments are being looked after
Sean Saint-Smith, Commerzbank
Pensions. Divorce Settlements
Divorce is a really difficult time. I needed to find an adviser I could trust to help me sort out my financial situation.
I was looking for the support of an expert to provide a solution that would be accepted by the courts and could be easily implemented.
Pensions formed a large part of the matrimonial assets and on filing for divorce I knew that I needed specialised advice regarding their division. I had already met Ian and Cliff at Fish Financial and was impressed enough to trust them with this task.
During our meeting we discussed my current situation and my desire to come to an agreeable settlement as soon as possible. The team was very empathetic and advised that they would be happy to liaise directly with my solicitor and actuary.
Until my divorce I never realised how complex pensions could be. Fish quickly interpreted information, provided a strategy for immediate settlement and devised a longer-term financial plan. Their support has been invaluable
YP, Farnham
Investments. Active Management
I’m a sophisticated investor, yet despite my best intentions I could never find the time to review my pensions on a regular basis. My four policies were with different providers and had limited fund choice.
I was looking for a cohesive strategy that with exposure to a broad range of investments, that was actively managed and would give me back control.
I contacted Ian, who I’ve known for over 20 years, and asked his advice.
He explained how the Fish Investment Process could help me take back control. They could consolidate my pensions into a single coordinated strategy, actively managed, with exposure to a broad range of investments (including commodities like grains and energy).
As a sophisticated investor I’ve always managed my own affairs, never wanting to hand over control. Fish Financial enable me to have as much or as little input as I have time for and I can monitor my investments online 24/7
Steve McMillan FCMA, CEO
Investments. Diversification
I’d always been interested in investments, although I was looking for a solution that would enable me to diversify my portfolio and take advantage of specific opportunities - without ‘betting the farm’.
I wanted to provide input on specific asset classes, although knowing life can often get too busy, I needed to trust my portfolio would be managed expertly.
Clifford has advised me for over 15 years. From the outset he has impressed me with his genuine enthusiasm, as well as his understanding and clear communication of the analytical risks and rewards of investment.
Using the Fish Investment Process, Cliff advised me to consolidate my pension and investments into a single strategy, with the flexibility to invest in both core and non-traditional asset classes.
One of the biggest changes since switching to Fish Financial has been the level of reporting and reviews we receive - I really feel involved in the process of monitoring my investments and finally I understand why we make changes. It’s just refreshing to be part of the team
Steve Green, Osteopath