Fact-Find · Sarah Mitchell
Comprehensive Client Fact-Find
Last updated 22 November 2024
Section completion
👤
Personal Details
💰
Financial Position
🎯
Goals & Objectives
🏖️
Retirement
📜
Estate Planning
🏥
Health
01

Personal Details

Completed · 15 Nov 2024
Mrs
Sarah
Mitchell
15 March 1974
British
Married
Mark Mitchell
22 July 1971
Marketing Director
Full-time employed · Bristol Creative Ltd
Dependents
Emma Mitchell
Daughter · Age 19 · University student
02

Financial Position

Completed · 18 Nov 2024
Income
SourceAnnual
Employment — Sarah£85,000
Employment — Mark (spouse)£42,000
Total Household Income£127,000
Mortgage
£180,000
£1,450
12 years (ends Jun 2038)
NatWest
Pension Assets
Personal Pension Aviva
£340,000
£1,200/mo · Retiring age 65 · Projected: £620k
SIPP Fidelity
£120,000
£500/mo · Retiring age 65 · Projected: £210k
NHS DB + State NHS Pension
£45,000 / year from 65
Defined benefit · State pension included
Savings & Investments
Account TypeAmount
Cash savings£45,000
Stocks & Shares ISA£60,000
Cash ISA£20,000
Total Liquid Assets£125,000
03

Goals & Objectives

Completed · 20 Nov 2024
Primary Goal
Retirement at 65
Target retirement date15 March 2039
Target income£60,000 / year
LifestyleComfortable — travel, hobbies, maintaining standard of living
Projected pot£830k+ (at age 65)
Secondary: Education
Fund Emma's university costs
Amount required£40,000
Target dateSeptember 2027
PriorityHigh
Secondary: Gift
Intergenerational wealth transfer
Amount£50,000
Target dateJanuary 2030
PriorityMedium
⚠️
Risk profile note
Client stated Medium Growth risk preference. A full Attitude to Risk (ATR) questionnaire must be completed before any recommendation is made. Proceed to the ATR step to conduct the formal assessment.
04

Retirement Planning

In progress
65
£60,000
Projected pot at 65
AssetCurrent valueProjected at 65
Personal Pension (Aviva)£340,000~£620,000
SIPP (Fidelity)£120,000~£210,000
DB NHS + State Pension—£45,000 / year
Total projected£460k£830k+
Key risks
⚡ Sequence of returns risk in early retirement
📉 Inflation eroding purchasing power
🏥 Long-term care costs
👥 Spouse survival rates
05

Estate Planning

Pending
No — needs updating
Yes
Yes
Submitted
No
Not in place
Not in place
Note: Will requires updating — recent marriage means existing will may not reflect current wishes. Recommend solicitor review.
06

Health & Vulnerability

Completed · 22 Nov 2024
No
None identified
No
No vulnerabilities identified
Client has full capacity to understand the advice process. No special measures required at this time.
Fact-find complete. Ready for the formal risk assessment.
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