Client case study
Real stories from real clients. Explore how Jigsaw tree has helped individuals, families, and business owners navigate life’s financial milestones — from retirement planning and wealth protection to major life changes — with clarity, confidence, and expert guidance.
Supporting a Client Through Divorce
Divorce is one of the most financially complex and emotionally draining experiences a person can face, and for one of our clients, the process had left them feeling completely overwhelmed. With a shared property, joint pension arrangements, and a range of investments to untangle, they weren’t sure where to turn or how to begin rebuilding. Jigsaw tree stepped in to provide clear, impartial, and compassionate financial advice throughout the proceedings. We worked alongside their legal team to provide expert input on pension sharing orders, helping to ensure an equitable division that reflected the true long-term value of their retirement assets. We also advised on the most tax-efficient way to handle the sale of the family home and restructured their remaining investments to reflect their new circumstances and appetite for risk. Once the settlement was finalised, we helped them build a fresh financial plan as an individual — one that accounted for their revised income, new housing situation, and long-term goals. The client emerged from an incredibly difficult period with a renewed sense of financial clarity, stability, and confidence in the future ahead.
Protecting a Business Owner's Wealth
A self-employed client in their mid-forties came to us with a thriving business but growing concern about how much of their hard-earned wealth was being eroded by tax. They had been drawing a salary and dividends for years without ever reviewing whether their overall financial structure was working as efficiently as it could. Our team conducted a comprehensive review of their business and personal finances, looking at everything from pension contributions and director remuneration to protection cover and long-term succession planning. We restructured their financial arrangements to make better use of annual allowances, identified opportunities to extract profits in a more tax-efficient way, and introduced trust planning to ensure their family would be well provided for in the event of death or serious illness. We also established a regular review process so that as their business evolved, their financial plan would evolve with it. The client now has a robust, joined-up strategy that protects what they have built and gives them a clear path toward eventual exit and retirement.
Helping a Family Plan for Retirement and Beyond
When a couple in their late fifties approached Jigsaw tree, they had accumulated a range of pension pots, ISAs, and investments spread across multiple providers – but had no cohesive strategy to bring it all together. Years of career changes and life events had left their finances fragmented, and with retirement on the horizon, the uncertainty was causing real stress. Our advisers began with a thorough fact-find and cashflow modelling exercise to understand exactly where they stood and what they needed their money to do. From there, we consolidated their pension arrangements, reviewed their investment risk profile, and built a structured retirement plan tailored to their goals and timeline. We also looked at inheritance tax implications and put provisions in place to protect their estate for their children. The result was a clear, confident roadmap — including an agreed retirement date — that gave the couple genuine peace of mind and a sense of control over their financial future for the first time in years.
