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Graham and his wife , 42 and 47


Pensions and Isa invested in funds, residential property, cash


Retire in 18 years on £50,000 a year income, help children buy homes

<p>Pensions and Isa invested in funds, residential property, cash</p>

Graham and his wife are aged 42 and 47, respectively. He is a hairdresser and she is a foster carer. Their combined annual income of around £95,000 a year, which includes rent from buy-to-let properties, varies. They have two teenage children. Their home is worth £450,000 and has a repayment mortgage of £226,000 on it.

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