HFMC Case Studies

Whilst these are real life scenarios, personal details have been changed.

  • You see things; and you say “Why?” But I dream things that never were; and I say “Why not”?

    George Bernard Shaw


    We use detailed cashflow modeling to create a financial plan that can help clients achieve their objectives at various stages of their lives. This allowed one couple to attain financial independence by identifying how much they would need to save and invest in order to provide the income they required in retirement. Through careful investment […]
  • Among the things that money can’t buy is what it used to.

    Max Kauffman


    A wealthy elderly client was in need of additional income in retirement to fund living costs and pay for hospital fees. The majority of his wealth was tied up in his main residence but he was keen to remain in his home rather than downsizing to release capital which could be used to provide the […]
  • We view our wealth in this light – not as an end in itself, but as an instrument to effect positive and transformative change.

    John Arnold


    We have worked for several years with a retired client, who has accumulated a reasonable pension and other savings during his lifetime.  We work with him on a biannual basis and look at the optimum way of drawing an income from his pension (not through annuity purchase, but through phased drawdown whereby one is able […]
  • The secret of success in life is for a man to be ready for his opportunity when it comes.

    Benjamin Disraeli


    Our client, a retired ex-partner of a well known accountants, accumulated a substantial portfolio through careful saving and investment. He was keen that his portfolio be inheritance tax efficient so that following his and his wife’s deaths the maximum amount of his well earned savings would be left to his children and not HMRC. Though […]

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