A Comfortable Life

Barry and Alithea contacted Chantler Kent Investments in March 2020. They had been recommended to us by an existing client.

Alithea’s severe arthritis meant that they needed to adapt their bathroom to meet her needs and to purchase a new car, as their current one did not easily accommodate her wheelchair.

They had approached their existing lender to increase their Lifetime Mortgage. However, they were told that this was not possible. Having spoken to Charles at Chantler Kent, who listened carefully to their needs, they successfully made an application to a different lender and were able to modify their house and buy the new car to make their lives better, ensuring that Alithea was comfortable in their own home.

PROTECTING YOUR FAMILY

Michael and Anna are directors of their own companies. They have 4 children, one with learning difficulties. If either of them died, were unable to work through sickness or disability or suffered a critical illness, this would leave the family in financial difficulty. It would create a huge strain physically on the remaining spouse to juggle family life and run their business. This was a major concern to them with a young family. We provided them with individual plans to protect their incomes in the event of illness or disability. We also protected the family income in the event of death or critical illness that would provide the level of support the family needed until the youngest child was through full time education.

Michael and Anna now have complete peace of mind knowing that they will be looking after each other and their family if something unforeseen should happen.

We all like to think it won’t happen to us; however, we sadly see it happen at all stages of our clients’ lives.

CHANGE OF LIFESTYLE

Scott and Anthony lived in London and wanted to look at the possibility of selling their house to move to the country to fulfil their dream of owning a small vineyard. Their timescale was to complete this move in two to four years’ time.

Both Scott and Anthony had good jobs with existing pensions and savings behind them. Covid had just hit when we first spoke. Both were able to work mostly from home. They were not looking to give up their jobs, but Scott also wanted to reduce his working days to four days a week. Anthony wished to reduce the amount of income tax that he was paying.

After obtaining all the information on their pensions and working through a Lifestyle Plan with them, this showed that their dream was perfectly achievable. Recommendations were made for Anthony to pay additional pension contributions, which reduced his tax liability.

Jump forward six months. We were delighted to receive an email from Scott to say that they had just sold their house in London and were due to exchange on their new house in the country.

Lifestyle Financial Planning can really make a difference by showing you that your dreams could be achievable. If you’ve got a dream and think it might be crazy, just ask, you never know where you might end up!

An Income for Life

Darrel was recommended to us by an existing client in 2020. He had just received a significant pay-out from a car accident that left him with lifechanging injuries. His main objective was to use the monies to provide an income both now and, in the future, as he had young children.

After carefully discussing his current position, his concerns and making a precise analysis of his income and expenditure we created a plan that met Darrel’s needs and above all else provided him with confidence in his financial security for the future.

Darrel and his adviser Rob meet up regularly to ensure the plan stays on track to meet his and his family’s changing needs.
“The financial security working with Chantler Kent has provided means I can concentrate on making the most of my life, enjoy time with my children and seek new challenges, knowing that my money is being looked after.”