Linden Court Financial

Client stories

What changed after the report landed

These notes reference real engagement types we offer. Voices vary — some clients still wanted a second meeting, and we leave that room open.

The retirement report laid out our three pension pots side by side with the State Pension date we had been guessing at. We still needed a second meeting to settle drawdown amounts, but the first draft stopped the circular arguments at home.
Helen & Mark Corrigan — Retirement Income Planning clients, County Antrim · Retirement Income Planning
Our ISA review was quieter than I expected — no hard sell into funds I did not recognise. They flagged two holdings with charges I had never noticed and left the final choice with us.
Priya Nair — Investment Portfolio Review, Belfast area · Investment Portfolio Review
Remortgage paperwork moved quickly; the protection conversation took longer because my underwriting history is messy. They were clear when a preferred insurer was unlikely to accept, which saved a wasted application.
Daniel Hughes — Mortgage & Protection Advice client · Mortgage & Protection Advice
Estate guidance helped us decide which gifts to make this tax year versus next. The mild reservation: solicitor introductions took a fortnight longer than hoped, though the financial note itself arrived on time.
Margaret Quinn — Inheritance Tax & Estate Planning Guidance · Inheritance Tax & Estate Planning Guidance
Couple reviewing papers together at a table

Extended story

Three pots, one retirement date

A couple within eight years of leaving work arrived with a workplace pension, an older personal pension, and a small SIPP opened during a previous job. They disagreed on whether to claim the State Pension at 66 or wait while one partner continued part-time teaching.

Over four weeks we modelled both claim dates against drawdown from the personal pension only. The written plan showed a higher-rate tax spike if they drew heavily in the same year as a final salary payment. They chose a slower drawdown and a twelve-month State Pension deferral — and used the follow-up call to adjust emergency cash after a boiler replacement.

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House keys on a contract after remortgage

Extended story

Remortgage without orphaned cover

A remortgage shortened a twenty-five-year term to eighteen years. Existing life cover still matched the old balance and term. We rebuilt a decreasing schedule against the new offer and checked income protection against the higher monthly repayment.

One preferred insurer declined due to a past claim; we said so before submitting. A second insurer accepted with an exclusion the client understood. Completion went ahead without a cover gap — the advice they valued most was the declined path they never wasted time on.

Mortgage & protection advice