GODFREY FAMILY
Retirement & Drawdown Analysis
PREPARED BY
Atlas Financial Group
Nils-Olaf Schroder · 20 March 2026
Jonathan Godfrey
DOB: 11 Jul 1970 · Age 55 · Retires in 10 yrs
Sally Godfrey
DOB: 07 Feb 1981 · Age 45 · Retires with Jon
Retirement Date
Jul 2035 · Jon age 65
Current Portfolio
Utmost
£80,000
Offshore bond
Interactive Brokers
£40,000
Investment account
Canaccord
£520,000
Investment account
Princes DC Pension
£120,000
Employer funded · growing
Total investable assets£760,000
Pension Arrangements
Defined Benefit — PrincesKEEPING IN UK
Preserved benefit (date of leaving): £30,000/yr
Projected at retirement (age 65): £60,000/yr
Current CETV: £440,000
Expected CETV (Jun 2026): £500,000
Net after UK tax: £50,514/yr
Portfolio at Retirement (Age 65 · 2035)
Investment Accounts
£1,258,977
@7% p.a. over 10 yrs
DC Pension (Princes)
£259,071
@8% p.a.
Total Pot at Retirement£1,518,048
⬆ House proceeds excluded — add in Assumptions tab
Income at Retirement
DB Pension (gross)£60,000/yr
UK Income Tax (20% above PA)-£9,486/yr
Personal Allowance£12,570
DB Net Income£50,514/yr
Portfolio drawdown needed for target£29,486/yr
Target: £80,000/yr · Income offset: £50,514/yr
Portfolio Remaining by Age — Three Return Scenarios
ReturnPot at 65Age 70Age 75Age 80Age 85Age 90Age 95Jon at 100Depletes
5%£1,301,564£1,488,657£1,699,966£1,937,805£2,204,429£2,501,910£2,831,956£3,195,661Yr 50+ (age 6550+)
7%£1,518,048£1,949,809£2,526,812£3,302,978£4,353,203£5,781,699£7,733,650£10,411,558Yr 50+ (age 6550+)
9%£1,774,184£2,543,376£3,697,182£5,438,033£8,076,644£12,090,213£18,211,958£27,568,852Yr 50+ (age 6550+)
Drawdown target: £80,000/yr · Portfolio drawdown: £29,486/yr · CPI: 3% · Highlighted = selected return rate (7%)
DISCLAIMER: This analysis is for illustrative purposes only and does not constitute financial advice. All projections use assumed rates of return and inflation which are not guaranteed. Past performance is not indicative of future results. Tax calculations are simplified; independent tax advice should be sought. Confidential — prepared for the Godfrey family by Atlas Financial Group Limited, Suite 106, Grand Baie Business Park, Avenue Geranium, Grand Baie, Mauritius · T: +230 263 1410 · E: [email protected]