CLIENT CASE STUDIES
How we help our clients
At Tideway, our first and foremost priority is helping our clients achieve their financial goals. We manage their money with one thing in mind: protecting what they’ve built while helping it grow.
To name just a few, some of the things we’ve helped our clients with include:
- preparing for retirement
- planning ahead to mitigate Inheritance Tax liability
- generating a tax-efficient income
- passing on wealth during their lifetime
Read on to learn more about how exactly we’ve helped some of our clients.
Consolidating multiple pensions
Andrew came to Tideway with eight different pensions that he had accumulated during his working life, totalling around £1.3 million.
He was hoping to retire in six months’ time and was looking for help to transform these pots into a sustainable income of £60,000 p.a. during his retirement.
Generating income from a divorce settlement
Fiona won a £1 million settlement as part of her divorce. She came to Tideway needing to generate an ongoing income of at least £48,000 while she retrained for a new career and cared for her two young children.
Read on to find out how Tideway used an offshore bond to generate this income without any immediate tax liability.
Turning an inheritance into income
John and Janet were referred to Tideway after receiving an inheritance of £500,000 following the death of his mother.
The couple wanted to understand how the money could be reinvested to generate an income, plus assistance with managing their tax position accordingly.
Setting up a Trust to pass on wealth
Having both recently retired, David and Jane were seeking assistance with planning ahead to mitigate their Inheritance Tax liability in light of the changes to pensions from 2027.
They wanted to reduce their taxable estate and create a plan to leave a legacy for their two adult children.
Entrepreneur with funds from a business sale
Following the sale of his business, Tim came to us with £5 million to invest.
As an additional rate taxpayer, his main concerns were around managing his tax position. He wanted help with income tax in the immediate and planning for Inheritance Tax in the future.
Funding early retirement in a tax efficient manner
When we met John he was in his late 50s and approaching retirement. He has no children and is unmarried.
Over his lifetime he has accrued a pension of £1.2 million, which he wanted help to manage. John wanted to turn this into a sustainable income of £60,000 per year.
Inheriting a pension from a spouse
When Mrs S sadly lost her husband, she inherited his pension valued at around £980,000.
She came to Tideway looking for help with what to do with the funds in order make sure she would have an income to see her through the rest of her life.
Family wealth planning: skipping a generation
When Mary and Clive received an inheritance of £600,000, their own financial position meant they had no immediate need of the money themselves.
Conscious of managing their own tax position, they came to Tideway looking for a solution to pass it straight down to their children.
Retiring from your own business
Ian came to Tideway in 2016 with a Defined Benefit pension. He was seeking greater flexibility and the option to draw income early, so that he can exit his business and take early retirement.
Read on to find out how we made this possible for him.
A path to early financial independence
Tom and Laura came to Tideway with significant wealth, lots of time on their side, and a goal to achieve financial independence early.
We helped them build a clear plan allowing them to retire at 55 with a sustainable ongoing income of £125,000 per year. Read on to find out how we did it.
Extracting money from your business
Emma, in her 30s, had accumulated a lot of cash inside her successful small business and was already paying herself a good salary.
She came to Tideway for help with withdrawing the cash without triggering further tax, and to start saving towards her retirement. Read on to learn how we worked with Emma to achieve this.
A tax-efficient income in retirement
Helen came to Tideway looking for help to generate a sustainable income in her early retirement.
We helped her consolidate several pension pots and smartly invest the proceeds of a property sale to achieve her goals and set Helen up for a comfortable retirement. Read on to learn how we did it.
Get in touch
If any of these stories resonate with you and you’re interested in learning more about how Tideway could help, we’d love to hear from you.
We offer a free initial financial assessment to build a picture of where you are now and how best to get you where you want to be.