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Jethro and his wife, 81 and 76


Funds and shares within Isas and unwrapped, cash, residential property. 


Supplement pensions income to fund discretionary spending, cover possible care home costs, leave assets to beneficiaries, invest cash, mitigate downside, reduce UK exposure.

<p>Funds and shares within Isas and unwrapped,&nbsp;cash, residential property.&nbsp;</p>

Jethro and his wife are 81 and 76, respectively, and have been retired for 15 years. They receive £50,000 a year from their state, former workplace and private pensions. They also receive dividends of about £20,000 a year, but this year these may fall to between £11,000 and £15,000. Their home is worth about £550,000 and mortgage-free. Jethro has three daughters and five grandchildren.

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