The story so far...
Thomas and Deborah have been planning the perfect retirement for many long years. They are visiting their financial adviser, Louise, to complete their arrangements when …
Louise: With your combined pensions, and the income from assets in your SIPP, you’re in a very strong position. There’s no reason for you not to retire next year. It’s really a great position to be in.
Deborah: Want to swap?
Louise: Seven-day weekend? Yes, please!
Thomas: There is just one thing – we’d like to withdraw some capital. Will that be a problem?
Louise: That depends how much.
Thomas: As I’m sure I’ve mentioned previously, Deborah and I are keen gardeners.
Louise: Yes. You may have mentioned that one or two …
Deborah: … thousand times… .
Thomas: There’s a strip of land at the end of our garden. I’ve had my eye on it for a long time and I think the owner is finally ready to sell. It’s practically a wasteland. They’ve never properly used it.
Deborah: Our next door neighbour has just installed a massive Koi pond - it’s very impressive!
Thomas: Yes, but ours will be better!
Deborah: Can you tell we’re competitive?
Thomas: Go The Cliptomaniacs!
Deborah: We’re more creative with our gardening than with our team names.
Thomas: Once you’ve retired, we’ll have all the time in the world to make it perfect!
Louise: Your wife is supposed to be relaxing in her retirement - you can’t just put her straight back to work!
Thomas: Gardening isn’t work! It’s love, it’s life. It’s been the making of our marriage, hasn’t it?
Louise: How much is the additional land likely to cost?
Thomas: Around £50,000.
Louise: That seems quite a lot?
Thomas: It’s a quarter of an acre and it adjoins our property.
Louise: Well, if it’s important to you, we could find the money. I can start on the paperwork to transfer your pension assets and I suspect The Cliptomaniacs can be ready to move (nodding to Thomas) – including on that strip of land – within a week.
Thomas: Fantastic! I can’t tell you how we’ve been looking forward to this moment…
Deborah: Well, hang on…we don’t have to decide right now do we?
Thomas: What? Why not? Don’t be coy … [winks]
Deborah avoids eye contact with her husband and focuses on Louise.
Deborah: I’m not.
Thomas: Now you’re being crabby.
Deborah: We don’t have to make any decisions right now do we?
Louise: No of course not. Whenever you’re ready.
Deborah: Great, well thank you so much. We’ll consider our options and get back to you.