Colin Parselle – 1974-04-28

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Client Details

Client's Email Address: colinparselle@me.com
Client's Telephone Number: 07584422455
Where did the client hear about us?: Other
Where did you hear about us, other?: Via Andy Wealthall
Fact Find Video Views: 11/04/2021 06:48:00 pm, 13/04/2021 08:13:06 am
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Personal (step 1)

What are your questions or concerns about your financial future?
Do you have any dreams for the future which you might need to plan for?:
Starting to think about what happens if my earning potential starts to reduce when I enter my 50s. Ensuring my family are covered if I was to pass away early.
What is your first name?: Colin
What is your surname?: Parselle
What is your date of birth?: 28/04/1974
Do you have a partner?: yes
What is your partner's first name?: Helena
What is your partner's surname?: Parselle
What is your partner's date of birth?: 22/11/1975
Do you have any financial dependants?: yes
Type Name DOB
child Rachel Parselle 06/12/2008
child Julia Parselle 12/06/2011

Assets & Liabilities (step 2)

Do you have any savings or investments?: yes
How much do you have in cash based accounts?: 58700
Are you saving into your cash based accounts regularly?: no
How much do you have in investment based accounts?: 0
Are you saving into your investment based accounts regularly?: no
Do you have a partner?: yes
Does your partner have any savings or investments?: no
At what age would you like to retire?: 60
Do you have any pensions savings other than your current employer scheme?: yes
Which type(s) of pension do you have?: Both
What is the total value of all your pension pot(s) other than your current employer's scheme?: 468400
Are you saving into your defined contribution schemes regularly?: Yes
How much are you saving into your defined contribution schemes per month?: 400
Lump Sum: 0
Annual Income: 4293
At what age would your partner like to retire?: 60
Does your partner have any pensions savings other than their current employer scheme?: no
Do you own your own home?: yes
What is the value of your home?: 1100000
Do you have a mortgage on this property?: yes
What type of mortgage do you have?: capital_repayment
What is the outstanding amount?: 120000
How long is left on the mortgage?: 18
What are your monthly repayments?: 494
What is the interest rate?: 2.1
Do you have any other mortgages?: yes
What type of mortgage do you have?: capital_repayment
What is the outstanding amount?: 211500
How long is left on the mortgage?: 18
What are your monthly repayments?: 1279
What is the interest rate?: 2.94
Do you have any loans, including credit cards or car finance?: yes
Amount Time Remaining Monthly Repayment Interest Rate Type
3582 0 3582 0
Please tell us details (what it is and estimated value) of any other assets you have that you think may be of value?: Endowment that is due to mature in April 2022. c. £50k at that date. Shares worth AUD 2,700
Do you have any protection policies other than the provision provided by your employer (if applicable)?: yes
Which product? Policy info Who does the policy cover? Policy Beneficiary Policy Amount What is the monthly income payable in the event of a claim? When would this income start in the event of a claim? When does the policy end? What is the current value? What is the monthly premium? Is it linked to a mortgage? CIC included?
term_assurance Myself My wife 500000 17/10/2025 35 no no

Income (step 3)

Which of the following do you have?: employment
What is your annual salary?: 145000
How many months would you continue to be paid by your employer in the event of accident or sickness?: 6
Would this be full or reduced pay?: full
What Death in Service benefits do you have as a multiple of salary?: 3x
Are you a member of your company pension scheme?: yes
Which type of company pension do you have?: dc
What is the value of your company pension pot?: 0
What percentage of your salary are you contributing on a monthly basis?: 5
What percentage of your salary is your employer contributing on a monthly basis?: 10
Do you have a partner?: yes
Which of the following does your partner have?: employment
What is your partner's annual salary?: 45000
How many months would your partner continue to be paid by their employer in the event of accident or sickness?: 3
Would this be full or reduced pay?: full
What Death in Service benefits does your partner have as a multiple of salary?: 2x
Is your partner a member of a company pension scheme?: yes
Which type of company pension does your partner have?: db
Expected retirement benefit - lump sum: 124000
Expected retirement benefit - annual income: 17380
Do you have any other sources of income?: no

Expenditure (step 4)

Do you have a partner?: yes
Do you want to fill out a detailed expenditure questionnaire or would you prefer to put in a total monthly figure?: total
What is your total monthly expenditure?: 4500
How much money do you have left at the end of the month?: 4000

Fact Find Steps

Current Step: 5
Fact Find Completed Date: 14/03/2021 01:55:59 pm
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