Case Study
After selling my business,
I had money but no clarity
Introduction
Robert, a 58-year-old business owner, had just sold his engineering firm for £2.3 million. With no employer pension and no clear plan, he was unsure what came next—or whether the money would last.
Before
- Had no pension, relying entirely on the lump sum from the business sale
- Felt unanchored without the business and worried about depleting his capital too quickly
- Advisors he met focused on investing the proceeds, not on his life goals
- Concerned about market volatility and a potential 2008-style crash
After
- Had no pension, relying entirely on the lump sum from the business sale
- Felt unanchored without the business and worried about depleting his capital too quickly
- Advisors he met focused on investing the proceeds, not on his life goals
- Concerned about market volatility and a potential 2008-style crash
Process
- Held in-depth Discovery and Retirement Builder sessions
- Modelled post-sale income flows, lifestyle costs, and future inflation
- Used the “Bucket” model to allocate capital for short, medium, and long-term goals
- Created a dynamic withdrawal strategy to adapt to market cycles
Conclusion
Robert moved from uncertainty to a position of control and confidence. With a clear picture of “how much is enough,” he now spends more time with his family and less time worrying about spreadsheets and markets.