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hi its Samantha Neal from Robson leader well and thank you for joining us for stage four in our financial planning life stages so just as a bit of a recap we had Andy starting worktops number one and all the issues around that and then when he had a young family thats number two we joined Andy and Sarah um about 10 years ago when they were thinking about how to plan for University and maybe consider um how they could use some Surplus income to hopefully retire early and what were going to do now is kind of join them in the stage where theyre age 59 and theyre looking to retiring about 12 months or so and they just kind of want to know if thats something they can do they want to give a gift to their son theyve already given a gift to their daughter to get on the housing ladder and everybodys pretty much financially independent and um through University now and so Andy and Cena are really just concentrating on themselves and they just want to know whether they can you know retir