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Mary and John, 54


Pension, Sipp, Isas, trading account and cash


Retirement pot of £1m, help son to buy home

<p>Pension, Sipp, Isas, trading account and cash</p>

Mary Harris is a civil servant aged 54 and John Harris, who is the same age, works in IT. They both earn about £100,000 a year, but John's job security is uncertain. Mary is in the civil service final-salary pension scheme, which will provide a pension of around £43,000 a year when she retires in five years, together with a lump sum of about £90,000.

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