“Fingerprint Financial Planning are delighted to see all staff return to the office and can now offer face to face covid compliant meetings as well as video and telephone appointments”

Client success stories: How Fingerprint make a real difference

Category: News

The most important part of any financial plan is delivering a successful outcome.

At Fingerprint Financial Planning, our team of experts work tirelessly to help our clients achieve their goals.

Here are just two recent examples of how Fingerprint has made a genuine difference to the lives of our clients.

Client success story 1: Helping provide a better work-life balance

Client: Male, age 45-65

Having worked overseas for several years – commuting home for the weekends – our client approached Fingerprint when the coronavirus pandemic caused him to rethink his plans.

Through a fact find, Paul Spencer-Nixon discovered that the client was originally due to work for five more years, and then retire. Covid-19 had made early retirement attractive and therefore a financial review was in order.

Our client’s priority was being able to spend more time with his family.

Due to delays caused by the pandemic, Paul worked to a tight timeframe, regularly chasing pension scheme providers for the necessary information to complete his analysis. When he did so, our client was delighted with the outcome.

Paul was able to readjust our client’s finances, meaning he could leave his current job for something more local, providing the time at home he wanted, along with the financial peace of mind that this was affordable.

The move to a new position has given the client a wealth of new options, from staying in employment to considering phased retirement or a move into a consultancy role.

Our client wanted the flexibility to be able to turn his retirement income on and off as required, drawing from it only when needed. With other valuable assets and investments from which to draw, the client was unsure of taking his whole pension, concerned about providing for his family on death.

By taking a holistic view, Paul was able to build a plan that incorporated all our client’s current and future income streams. This included his salary, investments, and other savings.

Paul’s plan confirmed that our client could take a large pay cut and still achieve his life goals, but with the added benefit of enormous flexibility and the work-life balance that he craved.

While financial planning can sometimes be “all about the money”, at Fingerprint we want to help you achieve financial wellbeing. This means understanding what makes you happy and making that a reality – exactly as Paul was able to do here.

Client Success Story 2: Helping a young couple onto the property ladder

Client: Couple, aged 18-35

Mortgage Adviser Shane Brockwell recently completed a joint mortgage application for Fingerprint clients. He was approached by a couple with a young family, who were in rented accommodation and struggling to save a deposit, despite having both been homeowners previously.

While their current credit rating was good, they felt as though they were running out of time if they were ever to own the family home they dreamed of. The coronavirus Stamp Duty holiday provided a potential way to make the purchase affordable, while also adding time pressure during a period when delays were inevitable.

A relative of the couple was able to offer financial assistance but didn’t want to provide a gift. Shane was able to recommend a Barclays Springboard facility that allowed our clients’ relative to provide a deposit while maintaining ownership, with the gifted funds returned in a few years.

Through Shane’s diligence and hard work, he was able to help the client complete on their new home, before the Stamp Duty deadline – and despite process delays caused by the pandemic.

The product Shane was able to secure was competitive and required no upfront cash.

The couple’s relative has been able to retain ownership of the gift. While the money is at risk if the clients were to default on the mortgage, their relative will likely receive the full contribution back in five years. The clients also have nothing to pay back to their relative.

Shane was able to use his knowledge of the mortgage market and his years of experience to provide a dream outcome for all parties. Why not find out how we could help you?

Get in touch

Financial planning takes your individual circumstances and aspirations as its starting point and builds a plan to get you from where you are now to where you hope to be in your financial future.

Our team of dedicated advisers and planners go the extra mile every day to help deliver the best possible outcomes for all our clients. That could include you too.

If you’d like help with a specific issue or would like to discuss your long-term financial plans, get in touch by emailing hello@fingerprintfp.co.uk or call 03452 100 100 and see what we can do for you.

Please note

The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

    Privacy Policy