Milking the Millions: Financial Makeover NAMES DEREK AND ELAINE THOMSON AGES 40 AND 42 OCCUPATIONS HOLIDAY PROPERTY OWNERS

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Being a millionaire means that life becomes a bed of roses, or so one usually assumes. But for Derek and Elaine Thomson - who won pounds 2.7m on the National Lottery some two years ago - it can sometimes mean exchanging one set of problems for another.

Sure, the problems are of the nice variety, but they can be ones the typical lottery winner has little experience of - for example, how to invest a large capital sum, how to protect it and how to pass it on to future generations.

Derek and Elaine have two children - a daughter aged 13 and a son of 8. Derek, a qualified accountant who operated at general management level, continued to work at Motorola for two …