Judy had been a client for many years. She was a business owner and had recently affected a planned sale of her company in order to enjoy her retirement.

Having been focused on the business for so long, Judy’s key concern was understanding the transition; both in terms of her time and retirement resources.

Whilst providing a sustainable income for life was crucial, being able to leave a tax-efficient legacy to her children and ‘giving back’ through charitable endeavours was also very important to her. Whilst these were her financial goals, keeping mentally occupied whilst enjoying the fruits of her labour was also necessary.

Once we understood Judy’s goals, we were able to plan how to generate a sustainable income to ensure her long-term financial independence. We were then able to address how she could leave a financial legacy and achieve her philanthropic goals.

By providing lifetime gifts to her children, Judy was able to reduce her son’s mortgage and enable her daughter to extend her property for greater family space. She was also able to make some provision for her grandchildren.

Whilst Judy’s will had already been altered to include charitable gifts, we have taken this further so that surplus income is donated during her lifetime. Judy has also been able to put the practical skills she gained during her career to good use, by supporting her chosen charities in more effective ways.

By fully understanding Judy’s lifetime income needs, we were able to provide clarity on her surplus assets. Once these were identified, she was able to cascade her wealth so that her children and grandchildren can benefit, both now and in the future. She has also been able to achieve her charitable goals, which has given her an enormous sense of fulfilment in retirement.

What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005