文档介绍：,thecouple’,whois48yearsold,’,Adam,SheilaandCarina,aged14,,£420,000and£55,,theyhavelivedinasix-bedroombungalowwhichisworthof££450,000withonly-,theirexpenditurearesomewhatishigh,becauseofthehightuitionfees£3,,theywanttoexpandtheirhouseatacostof£300,,duetothe20year’sendowmentpolicyontheoutstandingmortgage,,,,theirfinancialneedsaremainlyaboutsuitablesavingsproducts,,apartfromtheexpendituresontheirchildrenandlives,,theywouldliketheirsavingsbeingtaxefficiency,,people’sageandtheircircumstanceschange,-employed,theyarelikelytosufferiftheyareunabletoworkduetoillnessordisabilityorevenbusinesscollapse,,,theyhavethreechildren,£450,-onlymo