With five years to go before he retired, Chandan knew he had to review his position.

Chandan is hoping to retire in five years' time. He feels in a relatively strong financial position – he has been saving for many years in a pension and through other savings, and he owns his own home.

Chandan has always taken a high-risk approach to his finances. But, as his retirement approaches, he decides to take a look at the balance of his assets.

Although Joydeep had retired, he still needed his assets to generate growth and income.

Joydeep may have retired but he's not sitting back. There are lots of things he wants to do – and now he has the time to do them.

Joydeep's priority is to make sure that he has the income not only to enjoy his retirement now but also to support him for the rest of his life.

Ravi and Deepa wanted to make sure that they'd done all they could to protect their family.

Ravi and Deepa want to be sure that their insurance covers them – and their two teenage children – should things go wrong. They decide to review all their insurance policies to see if they are up to the job.

Self-employed Ravi is the family's main wage earner. If, for any reason, he couldn't work, then the effect on the family finances would be considerable. Deepa does work, but her part-time income won't be enough to cover the mortgage and all the family's expenses.

Ravi decides to get income protection insurance as soon as possible. This means that he'd still receive a monthly income if he had to stop work for a while because he was sick or injured.

Although Deepa thinks it's a bit ghoulish, he also going to look into life insurance. Ravi tells her not to be so silly. As he says, 'if I die suddenly, I don't want you and the children to be burdened with a mortgage that you can't pay'.