Neve Bidwell-Wright – 1999-09-27

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Client Details

Client's Email Address: nbidwell1999@gmail.com
Client's Telephone Number: 07432820284
Where did the client hear about us?: Social media referral
Where did you hear about us, other?: HCAT
Fact Find Video Views: 06/05/2021 07:04:53 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?:
How to control my wage in order to keep my house safe. How to help pay off my mortgage over time. Being made redundant
What is your first name?: Neve
What is your surname?: Bidwell-Wright
What is your date of birth?: 27/09/1999
Do you have a partner?: yes
What is your partner's first name?: Oliver
What is your partner's surname?: Keeley
What is your partner's date of birth?: 07/09/1999
Do you have any financial dependants?: no

Assets & Liabilities (step 2)

Do you have any savings or investments?: yes
How much do you have in cash based accounts?: 13000
Are you saving into your cash based accounts regularly?: yes
How much are you saving into your cash based accounts per month?: 600
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?: yes
How much does your partner have in cash based accounts?: 3000
Is your partner saving into your cash based accounts regularly?: yes
How much is your partner saving into your cash based accounts per month?: 200
How much does your partner have in investment based accounts?: 0
Is your partner saving into their investment based accounts regularly?: no
At what age would you like to retire?: 80
Do you have any pensions savings other than your current employer scheme?: no
At what age would your partner like to retire?: 80
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?: 120000
Do you have a mortgage on this property?: yes
What type of mortgage do you have?: capital_repayment
What is the outstanding amount?: 108000
How long is left on the mortgage?: 35
What are your monthly repayments?: 448
What is the interest rate?: 4.8
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
1500 1.5 70.90 0
1590 1.7 54.99 0
Please tell us details (what it is and estimated value) of any other assets you have that you think may be of value?: My partner has got his car and mobile phone on finance but I am unsure of the exact details. He has also got a credit card. We have also just bought our first house together.
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?: 19000
How many months would you continue to be paid by your employer in the event of accident or sickness?: 6 Months
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?: db
Expected retirement benefit - lump sum: 80000
Expected retirement benefit - annual income: 20000
Do you have a partner?: yes
Which of the following does your partner have?: employment
What is your partner's annual salary?: 16000
How many months would your partner continue to be paid by their employer in the event of accident or sickness?: 1
Would this be full or reduced pay?: full
What Death in Service benefits does your partner have as a multiple of salary?: 0x
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?: 600
What percentage of your partner's salary is being contributed on a monthly basis?: 5
What percentage of your partner's salary is their employer contributing on a monthly basis?: 5
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?: 340
How much money do you have left at the end of the month?: 50
Is there anything else you would like to tell us, or any other questions you would like to have answered?: How is the best way to make sure you have always got money left to spare? How to maintain monthly expenditure?

Fact Find Steps

Current Step: 5
Fact Find Completed Date: 21/04/2021 04:35:01 pm
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Employee Video Code

Current code: HCAT

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