Jaya had come into some money and wanted to make the most of her windfall.

Twenty-five-year-old Jaya recently came into some money when her grandfather died.

She knows she wants to save it rather than spend it, but she finds the lump sum quite intimidating. As she doesn't know the best thing to do, she decides she needs some professional financial advice.

Jaya makes an appointment with an financial planning adviser. Before the meeting she starts to do some preparation by thinking about some of the things she'd like to achieve.

She'd like her inheritance to be the basis of a long-term savings plan, but she's also tempted to put some of it towards a deposit for a place of her own. She doesn't know how best to combine these two goals, or if there are other things she should be thinking about. She sets off to see the adviser armed with her questions.

Vikram wanted to make sure his daughter could afford to go to university.

Vikram's in his thirties and married with one daughter, eleven-year-old Ahana.

Vikram and his wife want to be sure that Ahana has the option to go to university, if that's what she wants to do. But they're very aware of the costs involved: tuition fees, living expenses…

They decide that they'd like to start saving so that they'll be able to give Ahana's support through college.

They need a savings plan so they make an appointment with their financial planning adviser.