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Andrew and Helen, 56 and 52


Isas, Sipp and cash


Income of £800 per month growing at CPI+ 1% from April 2019, fund care in old age

<p>Isas, Sipp and cash</p>

Andrew and Helen are aged 56 and 52, and run a consulting company. They are paid dividends by their company to the tax-free limit, which is currently £5,000 each, and Helen also receives a salary of £8,160. Andrew receives a military pension of £47,000 a year which is linked to consumer price index (CPI) inflation. The company, which will cease trading in 2022, also contributes around £10,000 a year to Helen's self-invested personal pension (Sipp).

They have paid on the mortgage on their home, which is worth £600,000, and have no debts.

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