This client is towards the end of his second successful career. After an academic career in the UK, he had moved to Australia, and has had a very successful life there.

So along came the time to plan for retirement. The Financial Planner concerned noticed that there was an old UK pension scheme, so they wrote off to check it out.

The clients were both born in Canada, and have spent a lifetime working in Canada, the USA and the UK, resulted in these clients falling in love with a pretty bit of northern England.

So far, so good. But this was their second place that they had fallen in love with, and they had committed to the previous place – which was indeed beautiful – to the degree of buying a home there, and working with a local Financial Planner to get their retirement worked out.

The clients never thought they would leave South Africa. They had been successful in business, and had worked with a leading Financial Planner to build a retirement portfolio with this parameter in mind.

But the children moved to London, married, and along came grandchildren, and the center of gravity changed. The choice was spend more time on overnight flights, or move to the Grandchildren –and the rain!