Hi there, I would appreciate candid feedback please. As laid out below we have exposure to the residential investment market but have been in the business for a lot of years and have full occupancy rates for 10+ years. Although we have weathered the 2008 crash, we have concerns about Brexit and the possible lowering of US corporation tax rates and the resulting impact on well paid Irish jobs... and the possible fallout. Additionally, its getting more difficult to get a return for the significant work invovled with the responsbilities of being a landlord. With all the additional non deductable levies imposed coupled with an increased tax exposure, we are considering selling up. We would like to be financially independent and to get to a position where we can serious consider early retirement. Thoughts very much appreciated. Age: 49 Spouse’s/Partner's age: 45 Annual gross income from employment or profession: 148,000 (plus bonus 15-25k) Annual gross income of spouse:0 Monthly take-home pay pre bonus 6,800 (nett) Annual bonus pre tax: ~20K DISB : 4 x annual salary Monthly expenses: Mortgage: 1,250 k incl protection Childcare: 0 Car finance: 450 On top living expenses / general spend:4,000 Savings – Between 1,000 and 1,500 per month Type of employment: Private Sector In general are you: (a) spending more than you earn, or BREAKING EVEN (b) saving? Saving about 1,000 - 1,500 per month Rough estimate of value of home: 600,000 Amount outstanding on your mortgage: 190,000 with 18 years remaining What interest rate are you paying? 3.5% Other borrowings – car loans/personal loans etc.: 450 per month on spouse's car (12K remaining over 2.5 years) Do you pay off your full credit card balance each month? No. Approx balance each month is 1,000 Pension Scheme: DB with 15 years paid in (pot worth approx 560,000 currently projecting 28,000 per year upon retirement, excluding state pension) Savings and investments: This is where it gets a little complicated so please bear with me: Cash in bank: 25,000 We currently have a number of residential investment properties and a holiday home: Property 1: Value: 350,000 Mortgage: 220,000 @ 3.8% Term Remaining: 16 Years Monthly Repayment: 1,550 Monthly Rent: 1,250 Capital Gain Exposure: 40,000 Property 2: Value: 220,000 Mortgage: 22,000 @ 1.3% Term Remaining: 3.5 Years Monthly Repayment: 640 Monthly Rent: 850 Capital Gain Exposure: 30,000 Property 3: Value: 210,000 Mortgage 102,000 @ 1,3% Term Remaining: 13 Years Monthly Repayment: 750 Monthly Rent: 790 Capital Gain Exposure: 0 Property 4: Value: 105,000 Mortgage: 48,000 @5.5% Term Remaining: 18 Years Monthly Repayment: 330 Monthly Rent: 850 Capital Gain Exposure: 5,000 Property 5: Value: 90,000 Mortgage: 47,000 @5.5% Term Remaining: 17 Years Monthly Repayment: 330 Monthly Rent: 800 Capital Gain Exposure: 0 Property 6: Holiday Home in Spain Value: 180,000 Mortgage: 0 Monthly Repayment: 0 Monthly Rent: 0 Capital Gain Exposure: 0 Do you own any investment or other property? - See above Ages of children: One son aged 9 Life insurance: Yes, completely covered on all bank borrowings.