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Roger and Carol, 41


Sipps, junior Isas, property and cash


Supplement retirement income, help children to buy homes

<p>Sipps, junior Isas, property and cash</p>

Roger is 41, and he and his wife have two children aged 12 and 10. When he retires from the army he will receive an index-linked final salary pension which is forecast to pay about £35,000 a year. They own a house worth around £400,000 on which there is a repayment mortgage of £210,000. They let this and expect that it will be mortgage free by the time Roger retires.

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