Personal details
Age:41
Spouse’s/Partner's age:43
Number and age of children:4
6,9,12,16
Income and expenditure
Annual gross income from employment or profession:0
Annual gross income of spouse:200k
Monthly take-home pay 8300
Type of employment: e.g. Civil Servant, self-employed
Public servant
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving
Summary of Assets and Liabilities
Family home worth €650 with no mortgage
Cash of 80k
Defined Contribution pension fund:
Public service pension for spouse none for me
Other borrowings – car loans/personal loans etc
None
Do you pay off your full credit card balance each month?yes
If not, what is the balance on your credit card?
Do you own any investment or other property? Yes but no income on it no access to it right now
Other information which might be relevant
Life insurance:for spouse
What specific question do you have or what issues are of concern to you?
What should we do next, just paid off mortgage, have savings, more money due this year about another 100k, should we get avc for spouse I think he is 2 years short of full service by retirement. Where to put savings?
Are we missing anything. Thanks
Age:41
Spouse’s/Partner's age:43
Number and age of children:4
6,9,12,16
Income and expenditure
Annual gross income from employment or profession:0
Annual gross income of spouse:200k
Monthly take-home pay 8300
Type of employment: e.g. Civil Servant, self-employed
Public servant
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving
Summary of Assets and Liabilities
Family home worth €650 with no mortgage
Cash of 80k
Defined Contribution pension fund:
Public service pension for spouse none for me
Other borrowings – car loans/personal loans etc
None
Do you pay off your full credit card balance each month?yes
If not, what is the balance on your credit card?
Do you own any investment or other property? Yes but no income on it no access to it right now
Other information which might be relevant
Life insurance:for spouse
What specific question do you have or what issues are of concern to you?
What should we do next, just paid off mortgage, have savings, more money due this year about another 100k, should we get avc for spouse I think he is 2 years short of full service by retirement. Where to put savings?
Are we missing anything. Thanks