Sally & Stephen approached Audley for a review of their finances as they were looking to wind down their business and start to enjoy time together as Stephen has a number of health issues. Audley reviewed their existing pensions and the loans on their buy to let properties. Audley recommended releasing a lump sum from their pension to pay down some of the debt which has increased the income they receive from their property portfolio. Having run through various cashflow scenarios by restructuring their existing investments, property and pensions, as well as investing the proceeds from their business sale, they were able to retire early while maintaining their current level of income.