By Patrick Connolly and Jason Hollands , 26 November 2012
Mark McAvoy is 61 and semi-retired with a small business providing around £20,000 net profit per year. His wife, who is 57, has just taken redundancy. They have a small mortgage on their home, plus two other mortgage-free properties worth £140,000 in total and returning approximately £7,000 a year. He and his wife have substantial individual savings account (Isa) holdings, plus a pension pot that he does not envisage touching until he is 65 and thereafter on a drawdown basis.