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Gavin and Sophie Smith, 51 and 52


Isas, Sipps and trading accounts


Build up retirement savings

<p>Isas, Sipps and trading accounts</p>

Gavin, age 51, is a self-employed freelance photographer and his wife Sophie, age 52, runs her own company. They have with two children – one at university and one at school. Both the children have investment portfolios invested in stocks worth about £39,000 each.

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