Explore our purpose-written case studies to find out how the Jones family plans for its future by taking advantage of the flexibility that pensions allow across the generations.
Topics that will be explored include:
- Decisions following a DB transfer
- Charity lump sum death benefits
- Disqualifying pension credits
- Contributions from death benefits
- Assets on expression of wishes
- Group connected party purchase
and more…
Click on the drop down arrow of each character below for an overview of their situation and to read a case study associated with the character.
All characters in the Jones family are fictional and intended for demonstrative purposes only.
Harald Felsing - 80
KAROLINA'S FATHER
- Has dementia
- Has recently gone into care
VIEW DECISIONS FOLLOWING A DEFINED BENEFIT TRANSFER CASE STUDY
Margaret Jones – 71
FRED’S SPOUSE, DAN & JULIA’S MOTHER
- Has pension which includes funds in nominees’ drawdown
- Wants to leave pension to her grandchildren
Fred Jones – 74
MARGARET’S SPOUSE, DAN & JULIA’S FATHER, STEVE’S BROTHER
- Owns and runs business with his son Dan
- Owns business premises with his son Dan and daughter Julia
- Wants to leave pension to his grandchildren
VIEW GROUP CONNECTED PARTY PURCHASE CASE STUDY
Steve Jones - 61
FRED’S BROTHER
- Living between UK and Canada
- Needs to access his pension benefits
Karolina Jones - 49
HARALD’S DAUGHTER, DAN’S SPOUSE, PAULA & ALFIE’S MOTHER
- Previously completed a DB transfer
VIEW DECISIONS FOLLOWING A DEFINED BENEFIT TRANSFER CASE STUDY
Dan Jones - 50
FRED & MARGARET’S SON, KAROLINA’S SPOUSE, PAULA & ALFIE’S FATHER, JULIA’S BROTHER
- Owns and runs business with his father Fred
- Owns business premises with his father Fred and sister Julia
Julia Jones - 47
FRED & MARGARET’S DAUGHTER, SARA’S EX-PARTNER, FLO’S MOTHER
- Has pension which includes a disqualifying pension credit
- Owns business premises with her father Fred and brother Dan
- Suffers from arthritis and plans to retire at 55
- Keen to support her daughter Flo
VIEW DISQUALIFYING PENSION CREDIT CASE STUDY
VIEW GROUP CONNECTED PARTY PURCHASE CASE STUDY
Sara Calvi - 56
JULIA’S EX-PARTNER, FLO’S MOTHER
- Savings have been reduced by pension sharing order
Paula Jones - 25
KAROLINA & DAN’S DAUGHTER, ALFIE’S SISTER
- Self-employed plumber
- Keen to purchase property using a SIPP
VIEW ASSETS ON EXPRESSIONS OF WISHES CASE STUDY
Alfie Jones - 22
KAROLINA & DAN’S SON, PAULA’S BROTHER
- Works for his father Dan and grandfather Fred’s business
- Plans to eventually take Fred’s place when he retires
VIEW ASSETS ON EXPRESSIONS OF WISHES CASE STUDY
Flo Calvi-Jones - 24
JULIA & SARA’S DAUGHTER
- Freelance illustrator with unpredictable income
- Recently opened first pension with a gift from her mother Sara
VIEW ASSETS ON EXPRESSIONS OF WISHES CASE STUDY
VIEW NO EXPRESSION OF WISHES AND INHERITED FUNDS CASE STUDY
