Cautious Investment Planner of the Year - sponsored by 
Following their lottery win, Donald and Lucy Richardson would love to give up work now and anticipate that they will need £24,000 pa to meet normal living costs. They are thrilled that they can now fulfil their dream of touring the Far East and South America in luxury while they are still young.
Although they believe that their children should be self sufficient, they wish to clear Paula and Dominic’s debts and to provide for Alexis’ college education.
They also wish to give their children £50,000 each to help them get on the property ladder in due course. They don’t want the money to be squandered in the meantime.
Donald and Lucy are anxious to retain access to most of the cash they’ve won.
The Richardsons need your advice on how to invest their win to meet their future income requirements, bearing in mind their plans and attitude to risk.
They also need advice on how best to fund Alexis through college and on how best to fund their children’s possible future property investments.
You should also in bullet point format address any other areas you deem important.
