Lamb & Associates Independent Financial Planning Ltd

01661 860438 

Unit 1 Meadowfield Court, Ponteland, Newcastle-upon-Tyne NE20 9SD

Lamb and Associates Independent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. FCA number 782092. Financial Services Register number 624597.

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FROM ROI TO ROL : Return on Investment to Return on Life

December 10, 2018

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How Much Money Do You Need . . . Enough!


How much is ‘enough’ will differ from one person to the next. What sort of lifestyle do you live, or want to live? Do you have family that you want to provide for? Do you want to work? Do you want to retire? When can you retire?


What will you plan for 2017? Will it be the year that you finally make that change you yearn for and live the life you dream of?


As a regional firm of specialist IFA’s offering financial life planning Lamb & Associates’ team can tell you how much money you need to live your dream life, whether you have enough money now and if not when you will have. They can tell you the earliest date that you can retire and live the life you want without the fear of your money ever running out.


We get under our clients’ skin to understand what sort of life they would like to live and then work out how much money they need to be able to live that life.


David Lamb, Partner at Lamb & Associates’ Ponteland office explains “We are very passionate about the financial life planning that we do for our clients. It truly makes a practical difference to their lives. We are not your average IFA’s focused on selling products and increasing savings. We get under our clients’ skin to understand what sort of life they would like to live and then work out how much money they need to be able to live that life. Our plans make sure that you never run out of money, you retire at the earliest opportunity and live your life to the fullest whilst you are still young and healthy enough to enjoy it.”


Change a lifetime’s habit; spend & gift money with confidence!


Client Story


One couple who were clients wanted to leave enough money to be just under the inheritance tax threshold of £650,000 , assuming they live to age 100. We calculated that, over the next 14 years (bringing them to age 85), they would need to spend or gift approximately £30,000 extra each year. They had to be very careful what they spent their money on so as not to increase the value of their estate. The obvious choice was holidays. Unfortunately, Mrs G the wife was scared of flying so they were quite limited in the places they could visit. We suggested that she went on a flying phobia course which she did. This worked so well that within six weeks they were on a flight to Borneo to fulfil one of the husband’s lifelong ambitions to see the orangutans. The following month they were in Barcelona with friends. Not your typical estate planning and certainly neither dull, boring or depressing! In addition to catching up on holidays, they also decided to gift £10,000 each year to their daughter, on the condition it was used to repay her mortgage. Now, her mortgage is projected to be repaid in 5 years, instead of 16!


Client Testimonial


David has helped change our mind about our finances. It was very difficult to change a lifetime's mind-set of accumulating money and David has spent a lot of time with us to change our habits by giving us the confidence to spend and gift money. He continually thinks outside the box and encourages us to go on as many holidays whilst we still can. It's also nice to think that the government is effectively contributing 40% towards the cost! David is always available to speak to if we have any concerns.


If you would like to know how much more money you need to earn before you can retire call Lamb & Associates today on 01661 860438.

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