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Robert and his wife, 64


Sipp and Isas invested in funds, home, buy-to-let property, cash


£56,000 a year income, supplement pension income, sell buy-to-let properties, preserve and grow wealth to pass to children

<p>Sipp and Isas invested in funds, home, buy-to-let property, cash</p>

Robert is 64 and recently retired. His wife, who is also 64, plans to retire this month. They own their home, which is worth £350,000, and three buy-to-let properties worth around £300,000 after estimated sales expenses. They are all mortgage-free.

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