Diane Smith – 1961-04-24

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Client Details

Client's Email Address: Dianesmith61@outlook.com
Client's Telephone Number: 07796288288
Where did the client hear about us?: Your place of work
Where did you hear about us, other?: I work as a nursery nurse in Mapplewell primary school nursery. We are part of the Hcat academy. I'm full time but approaching 60.
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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?:
I am concerned that might pension may not be enough to allow me to retire before pension able age. I am 60 soon and feel it's time to look into my financial position.
What is your first name?: Diane
What is your surname?: Smith
What is your date of birth?: 24/04/1961
Do you have a partner?: yes
What is your partner's first name?: Michael
What is your partner's surname?: Hutchinson
What is your partner's date of birth?: 20/12/1962
Do you have any financial dependants?: no

Assets & Liabilities (step 2)

Do you have any savings or investments?: 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?: no
At what age would your partner like to retire?: 65
Does your partner have any pensions savings other than their current employer scheme?: yes
Do you own your own home?: yes
What is the value of your home?: £180,000
Do you have a mortgage on this property?: yes
What type of mortgage do you have?: capital_repayment
What is the outstanding amount?: £20,000
How long is left on the mortgage?: 7
What are your monthly repayments?: £300
What is the interest rate?: 3.5%
Do you have any other mortgages?: no
Do you have any loans, including credit cards or car finance?: yes
Amount Time Remaining Monthly Repayment Interest Rate Type
1100 4444 270 1.5
Do you have any protection policies other than the provision provided by your employer (if applicable)?: no

Income (step 3)

Which of the following do you have?: employment
What is your annual salary?: £19,000
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
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?: ?
What percentage of your salary are you contributing on a monthly basis?: ?
What percentage of your salary is your employer contributing on a monthly basis?: ?
Do you have a partner?: yes
Which of the following does your partner have?: employment
What is your partner's annual salary?: 18,000
How many months would your partner continue to be paid by their employer in the event of accident or sickness?: 6
Would this be full or reduced pay?: full
Is your partner a member of a company pension scheme?: yes
Which type of company pension does your partner have?: dc
What is the value of your partner's company pension pot?: ?
What percentage of your partner's salary is being contributed on a monthly basis?: ?
What percentage of your partner's salary is their employer contributing on a monthly basis?: ?
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?: £900
How much money do you have left at the end of the month?: £1000

Fact Find Steps

Current Step: 5
Fact Find Completed Date: 08/01/2021 04:15:27 pm
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Current code: HCAT

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