Gerald has provided me with very sound advice over adjusting my portfolio to meet the challenges of the recent changes to IHT law and - more generally - to the changes to tax law over the last few years. Both his administration and personal skills, appear to me, to be excellent and he appreciates why an understanding of the complexities of personal finance don’t come as easily to me, as it does to an expert such as him. He is always patient when responding to my misunderstanding or ignorance of a particular matter - even if it involves repeating to me what he has already explained on an earlier occasion! Overall, I very much appreciate his on-going advice and look forward to continuing to work with him.