Having total confidence in our plan for later life
As long-standing Progeny clients, Justin and Sally were looking for financial guidance they could rely on as their lives and priorities evolved. Wanting clarity, confidence and support for their family’s future, they turned to Progeny for trusted, joined‑up advice that brings everything together.
Read their story below.
Justin began his working life in the military before changing careers in his early forties. He later started a successful business with a partner, and during that time he realised that the large bank they were using was not providing the level of financial support he expected. Around 2008 or 2009, this led him to seek a better option, which is when he and Sally were introduced to Andrew Periera.
For Justin, the decision was not only about finding financial advice that suited him; it was equally important that Sally felt confident, as he knew he would not always be the one managing their finances in the future. When Andrew was recommended, they agreed to meet him, and Sally immediately felt at ease. She had never felt comfortable with financial matters, but Andrew gave her a sense of safety and reassurance.
Working with Andrew allowed them to achieve the balance in life they wanted, including being able to support their children and grandchildren in meaningful ways. This came from Andrew encouraging them to look ahead and consider what their future life might look like their hopes, concerns, major milestones and what they wanted for their family.
Together, they mapped out a full life plan, considering key events such as their daughter’s eventual wedding, potential care needs, how they wished to use their money and how much they could comfortably spend. Sally had always been cautious, worrying about saving everything in case of future care costs. Andrew once described her as “squirrelling things away” and encouraged her to feel confident about enjoying life now while still planning responsibly for the future.
Tax efficiency was also important to Justin, and he appreciated that with Andrew’s guidance, they pay only what is required nothing more. He had met others who felt their advice was expensive, but Justin valued the quality of the advice and the confidence it provided. Trust was essential. Justin sees trust as an old-fashioned but vital principle, and he felt that the personal interaction, combined with Progeny’s broader ethos, gave him that confidence.
He had spoken to many independent financial advisers in the past, but meeting Andrew’s wider team reassured him that this was not just a one-person operation. He felt supported by an entire structure of professionals, ensuring continuity even if circumstances changed. Back when Andrew’s firm was called Quadrant, Justin appreciated the service, and when the business merged with Progeny, the added legal expertise strengthened what they needed even further.
Having financial planning, inheritance tax advice, legal services and wills all under one roof made everything easier for both Justin and Sally. Every interaction with the team was professional and helpful, and they now have complete clarity on where to turn if something happens to either of them. Their children also know exactly who to contact when the time comes.
Sally acknowledges that while she does not like to assume who might pass away first, “I don’t like to assume that Justin might go before me”, but she feels completely confident that Andrew would help her navigate everything and ensure she is secure. “That sense of security, she says, is worth its weight in gold.”
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This article is distributed for educational purposes only and should not be considered financial advice. The opinions stated in this document do not necessarily represent the view of Progeny and should not be relied upon to make a financial decision. The information provided is of a generic nature, which is not specific to your personal circumstances and should not be taken as advice or recommendation. Individuals must not rely on this information to make any financial or investment decision. Before making any decision, we recommend you consult your financial planner to consider your particular investment objectives, financial situation, and individual needs.
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