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A client report

You are to write a client report (2500 words in maximum ) for the Vine family that covers the following:

  1. A financial plan for Fergus and Felicity. (60 marks- see below for allocation)
    You should make a judgement about the timescale of this plan, taking into consideration the financial
    milestones and factors mentioned in the case study.
    It should include:
    a. A clear breakdown of the couple’s objectives over the short, medium and long term. You should clearly show
    a financial plan that models the likely changes in the couple’s financial situation from now until the years to
    retirement, taking into account all of the information in the scenario (you may use excel for this and include as
    an appendices). You need to determine the key milestones that will change the couple’s income and
    expenditure between now and retirement and model how these will change their overall financial position. You
    should consider at least two alternative scenarios you judge possible given the ages of both Fergus and
    Felicity and their possible retirement ages. (Please note you are not required to re calculate the current net pay
    of the couple and should use the approximate estimate of joint net income in any projections). 10 marks
    b. Specific advice regarding the 2014/15 pension reforms. You should make clear to the couple to which
    pensions they are relevant and what options the couple have as a result. You must provide specific
    recommendations for Fergus as to the final salary scheme transfer, including the advantages and
    disadvantages of transferring his defined benefit scheme to a defined contribution scheme.
    10 marks
    c. Advice regarding any issues mentioned in the case study in relation to capital gains and inheritance taxation
    (provide supporting calculations), estate planning and care planning (please note that Fergus and Felicity
    would like to know what the potential impact of care costs could be on their future inheritances). You are
    expected to use 2020/21 tax year in calculations. 16 marks
    d. Based upon the couple’s risk profile, recommend two separate investment portfolios for Fergus and Felicity.
    You should consider the funds available, clearly showing where these funds have come from (exclude
    pensions from this). You should also attempt to model the performance of the portfolio and whether or not it is
    likely to achieve the goals you stated in part a (you may ignore inflation or justify your assumptions with
    regards to growth rates and inflation). 16 marks
    e. Provide mortgage advice to Ethan. You should identify appropriate mortgage options and comment on their
    affordability as well as advising Ethan about other costs (both one off and continuing) of buying a property. You
    should calculate Ethan’s net pay and suggest a possible monthly budget that may help Ethan manage his
    money in the first year. 8 marks

Sample Solution

The Genius of Stephen Hawking GuidesorSubmit my paper for investigation interpretive exposition exampleAstronomy (and astronomy) has been ceaselessly associated legitimately to the world's puzzles that have fascinated mankind since the beginning. Prior to the approach of current material science, individuals were offered closed minded strict clarifications of the Universe's structure; in any case, such researchers as Galileo and Newton had totally changed the manner in which the world had as a rule been seen. Since their revelations were made, the image of the world we live in turned out to be increasingly entangled, with the goal that today it tends to be as a rule saw maybe just by researchers. Luckily, there are individuals who make information about the Universe available for everyone who needs to study it. Such individuals are masters, as they regularly figure out how to clarify exceptionally troublesome ideas in open language; one such individual is Stephen Hawking—an extraordinary researcher and a gregarious character. Stephen Hawking, a brains in material science, astronomy, and other entangled parts of science that I have just a swoon of a thought regarding, was conceived in 1942. Shockingly, at school the future virtuoso had not been a splendid understudy—his scholastic triumphs in those days were fairly average (HowStuffWorks). In any case, when it came to entering a college, youthful Hawking had shown an ideal score in material science, which had won him an Oxford grant. College educators had additionally remembered him as a non-steady understudy; be that as it may, he got a top of the line respects degree at Oxford, and began his alumni work in Cambridge (Special Education Degrees). As an understudy, regardless of being an individual from the paddling group in Oxford, Hawking experienced expanding awkwardness and issues with controlling his body. Those were the principal side effects of an ailment that later would transform him—amyotrophic horizontal sclerosis—which has made him totally incapacitated. Regardless of the considerable number of challenges the sickness has caused him, Hawking has not surrendered; in addition, for an incredible duration, he accomplished in excess of a normal sound individual would do. What is the most intriguing perspective about Stephen Hawking is his self control. Truly, what number of individuals would have not surrendered on the off chance that they were determined to have ALS? Be that as it may, Hawking not just proceeded with his logical work (in spite of being given only a couple of years to live when he was 21), yet cultivated various incredible undertakings, and made an important commitment to science. Stephen Hawking composed various world-renowned books, which is as of now noteworthy for an individual who can just speak with others with the assistance of a voice modulator. Moreover, these books are devoted to the most confounded issues that science (cosmology, specifically) has ever confronted; in any case, Hawking figured out how to clarify them (or possibly bring the perusers forward-thinking) in basic words, with his own style and modern silliness. Stephen Hawking, paying little mind to his conditions, figures out how to carry on with a more satisfied life than individuals generally do. He is the executive of research at the Cambridge Center for Theoretical Cosmology. He is the creator of various inventive hypotheses. He has coasted in zero gravity and would like to fly into space (Biography.com). He is a hitched man and a dad. Be that as it may, a large portion of all, he is a researcher perceived around the world. He has invalidated the picture of a researcher as a savant dug into estimations and equations; despite what might be expected, his character, cleverness, books, and investment in various mainstream ventures, for example, "The Simpsons" (where he went about as himself) or "Into the Universe with Stephen Hawking," have demonstrated the world that science can be well known. References McGrath, Jane. "10 Cool Things You Didn't Know About Stephen Hawking." HowStuffWorks. HowStuffWorks.com, 30 June 2010. Web. 01 Apr. 2014. . "Stephen Hawking Biography." Bio.com. A&E Networks Television, n.d. Web. 02 Apr. 2014. . "Custom curriculum Degrees." Special Education Degrees. N.p., n.d. Web. 02 Apr. 2014. . paper about popular individual, ess
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