Our impending retirement and the lack of advice from the people who were overseeing our employer's pension scheme caused us to look for a financial adviser. Tony helped us by explaining the options and suggesting suitable schemes.

We were seeking for the right mortgage and were struggling to find an appropriate product but Tony identified the key options, explaining the differentials and the advantages and disadvantages. I was very impressed by his attention to detail and his knowledge of the regulatory issues. The product proved a flexible and supportive one. One of his key points though is that nothing is certain in the world of mortgages and investments. His assessment of volatility in the 1990s and the investment issues in the early 21st Century proved correct.

I have worked for a number of employers over the last 46 years and on retirement I had a whole range of options available to me. As expected these were complicated and it was important that I had the right advice and support to streamline these and deal with them to my best advantage for now and the future. Tony has taken a great deal of time and effort to understand the technical options under the various pension arrangements that I had and enabled me to establish the best income stream I can get within the limitations available and to safeguard my wife and family's future security. Tony has briefed me regularly on developments and the options I had available to me. I am very pleased with the new Prudential Pension arrangement and the work on the new annuity payments that we have managed to arrange. Because of the highly complicated and technical nature of the plans I had I am confident that I would not have achieved the outcomes I have if I had not had proper advice.

I required long term financial expertise to maximize my investments and pensions to build a secure financial future at retirement. Tony helped by providing sound investment advice based on my needs and level of risk. Overall I have achieved the outcomes I desired. I am satisfied with my investment advice and pension arrangements.