John and James are in their mid-50s and have been a couple for over 20 years. John is a senior executive with a national retailer, and James is a surgeon at a busy city-centre hospital. Both work long hours, focusing on saving and building their wealth for their shared future. In addition to supporting themselves in retirement, James plans to give some capital to charities close to his heart, while John wants to gift some of his money to close family members. Their priority is growing their wealth over the next 10-15 years to drive their retirement income.