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Financing the life plan 5. Retirement

IN the final instalment in Daniel James's series, Nicola, our fictional veterinarian, is preparing for retirement. She has enjoyed a busy and successful practice career and is looking forward to having time to pursue some personal ambitions. Financially, she's in a strong position, but nonetheless there are some pretty important decisions to be made.

Daniel James is an independent financial adviser at Lloyd & Whyte (Financial Services). In his capacity as director of business development he has helped to develop a range of services for BVA members.