Jacky Amos has been an experienced senior auditor at KPMG in London for over $10$ years. You are his wealth manager, and he wants to buy a new property shortly. You are required to prepare a tailored wealth management report according to his financial needs.

Pay attention to his financial conditions and needs:

a$)$ Jacky$$s annual pay is $75,000$ with a $5,500$ bonus per year before tax.

b$)$ Jacky is $38$ years old, unmarried, and lives alone. He has no dependents.

c$)$ His rent and bills are $2,300$ per month in a small one$-$bedroom flat in Canary Wharf.

d$)$ Jacky is a risk lover and willing to take higher risks.

e$)$ Jacky has $30,000$ investment in financial assets, primarily in equity $(65\%$ stocks, $20\%$ cash, and $15\%$ ISA products$).$

f$)$ Jacky$$s occupational pension plan, which is a defined contribution is worth $40,000$ at pre$-$sent.

g$)$ He wants to buy a $3-$bedroom apartment worth $650,000$ with a $35-$year mortgage on zones $3$ and $4$ of London.

h$)$ Jacky is keen to discover and buy the property before the end of April $2025($you may pre$-$sume that if they are financially comfortable, the transaction can be expedited to meet this deadline in terms of paperwork and keys$).$

Jacky has approached you as his asset$/$wealth manager to seek advice on the feasibility of purchas$-$ing this property.

Consider the following questions:

a$)$ As their wealth manager, what further information would you require from Jacky concerning his investment objectives and constraints? $(15$ marks$)$

b$)$ How would you assess his risk appetite considering Jacky$$s willingness to riskier investments? $(15$ marks$)$

c$)$ What vehicles would you recommend to Jacky to optimise his financial resources? Explain fully what options he has and what your recommendations are. $(50$ marks$)$

d$)$ Explain how Jacky can assess the performance of his investments and personal income tax for $2024/2025.(10$ marks$)$