In retirement probably more than at any other time, you will need your wealth to be managed by a firm who have the structures, experience and attitude to really look after you and your money. This is because the wealth you have is to support your future income and capital expenditure requirements for what we hope will be a long and happy retirement.

At Baker Davies, we certainly have the expertise and systems in place to manage your wealth. We put your needs and interests at the centre of everything we do, so you can be reassured that we are looking after you.  That’s not all; people tell us it is the way we do it, that makes our service very special. You can enjoy a personal service from a smaller firm with a big heart, where your Adviser and Client Account Manager know your name. We listen to your concerns and wishes and explain things in ways that make sense to you. We will be here providing financial planning throughout your retirement and life’s ups and downs. 

We love enabling clients to enjoy their retirement as fully as possible. We do this by getting to know you, by guiding you through important decisions, researching and recommending suitable solutions and by being a consistent independent sounding board as your life progresses.

 One of the best things our advisers enjoy is the relationships we build over the years.

Clients stay with us a long time, and this means we are with them into old age when income and expenditure needs may change again. Having a familiar face who knows you and is on your side to reassure and advise you, to answer what may seem like silly questions and to encourage you to look after yourself, is particularly appreciated by our older clients. Even more so, when one spouse passes and everything can seem very overwhelming.  

Baker Davies has been providing peace of mind to clients since 1999, and the Wealth Management Service is the ideal way to provide this.  

Clients we advise throughout retirement:   

• Couples who have sold their business, sold property, and are living off the income from the investments generated by the proceeds.
• Professionals who built up pensions and investments during working life and now rely on Baker Davies to manage portfolios, generate income and also arrange the investments to be tax efficient.  
• We have helped those who need additional income in retirement to release equity from property.
• We have helped those who have more than enough and would like to know how they can reduce inheritance tax for their beneficiaries. (See further information about inheritance tax planning).
• We are also there for the very sad times when a spouse dies, and clients need our support and advice. We can also assist by providing information and valuations for probate.

See testimonials below to hear what our clients say…

Ongoing Wealth Management Service 

This is an ongoing service designed to provide peace of mind throughout retirement.  Read more about Wealth Management.

You can also find out more about Inheritance tax planning and Later Life planning as Baker Davies has expertise in these areas of advice available to you. 

Couple retired after running own business 

“We have been a client of Baker Davies since 1999. This has to be testament to their service alone.  When running your own business, you usually forget about looking after your personal financial situation. This was very much so in our case. Thankfully, Baker Davies has looked after us with our investments, pensions and mortgages over the years right through to retirement. Tony and Pete always have our best interests at heart. We would not hesitate in recommending them and their team.”

Kim and Steve

“Having decided to take the option of early retirement, Baker Davies worked with us to put the various investments in place so as soon as funds were released, they were smoothly transferred and began to work. Baker Davies has continued to monitor our investments and give us advice on their performance which we trust and value.”

Mike and Diana

Widow very pleased she and her late husband chose Simon and Baker Davies

“Simon has been my IFA for at least 12 years. I reviewed various IFAs before I chose. He struck me as being very professional, and I believed he had enormous integrity. Over the 12 years, he has proved exactly that.

Shortly after Simon put all our financial planning in place, my husband was killed in an accident. Everything had to be reviewed to reflect our family change of circumstances. Simon held my hand through every part. He was so careful because I was so vulnerable. He did a great job, and I wasn’t the only one who thought so. The regulators randomly selected my file to review, and they said he’d done ‘a fantastic job’. He also advises my son now in his own right.

We have a great client – IFA relationship. I have recommended Simon to various friends, some who were hesitant about considering IFAs, and they have all been equally happy with all aspects of his client care.”

Mrs E

Mr and Mrs R, in their 70’s, had already spent a lot renovating their grade 2 listed cottage. They now wanted to replace two more windows which were rotten and install new railings for safety. But the rising cost of living meant that there was little surplus income to pay for these repairs or to spend on the little extras that make life more enjoyable.  They were referred to Baker Davies for specialist advice to do with Equity Release.

“The capital we have now withdrawn has taken the pressure off, making everything easier for us. The way it is paid suits us perfectly.  The deal Kerry arranged is very good value, and I would encourage others who have equity in a home, that they may downsize from in future, to consider equity release.  There is more competition among product providers these days, regulation is better and if you go to Kerry, she will act with integrity and honesty and put your needs first.”

Mr and Mrs R

At the point of retirement

When it is time to retire, we will help you to make informed wise choices that will impact your future.  This includes solid advice at the point of retirement regarding the main options for how to draw your benefits to generate the income you need.  

Beyond retirement age

Ongoing service and advice will continue with the Wealth Management Service, so you really can be free to enjoy your retirement.   

Some considerations for people close to retirement:

It’s crucial to get sound advice as you approach retirement  

Whether you have been employed or run your own business. If you have properties, pensions or other investments, it is really important to consider carefully the options available for how to generate the income you will need in retirement.  Ideally, you will have already built up financial assets to fund the kind of lifestyle you value. Even in the last few years before retirement there may be important steps to take to improve your position. You will need to know what is possible and how to make the most of what you have.

Do you have funds in private pensions or are you entitled to benefits from an occupational scheme?

These days there are a lot of options as to how to take the benefits including: cash lump sums, through gradual drawing of benefits to various types of fixed or rising annuities.  Some solutions will be far more suited and beneficial to you than others.

We will guide you through the maze and make it simple for you to understand.

Are you selling your business and retiring?  

Presumably, you will already have been discussing exit strategies with your accountant. Sometimes pension contributions can help reduce tax and sometimes other types of investment can reduce your tax bill – but only if they fit with how much risk and return you are comfortable with. We can work with you and your accountant to consider possible routes.

Are you considering downsizing or selling property and using the proceeds to fund retirement?

There will be many considerations, and we can help you work through the options and consider other ways to generate passive income.  

Do you have other investments or savings?

Wherever your retirement assets are coming from – we can help you make the important decisions that will affect the kind of retirement you will experience and the peace of mind you can enjoy.

First, we get to know you by gathering information about you, your life and what’s important to you, your existing assets, your expenditure patterns and we guide you through the Baker Davies 6 Stage advice process.

When we research solutions, we will consider:

• Which types of legal and tax wrapper will be more suitable for your investments.
• Which investment strategies are appropriate to provide the right balance or risk and return for you.
• How much you can afford to have as income now, what capital you need and how much you need your portfolios to grow in future to maintain your standard of living with inflation.
• What you need to do to ensure those financially dependent on you are catered for and possibly how to reduce inheritance tax to the next generation.

Providing the strategies for your retirement is only the beginning. The Baker Davies Wealth Management Service is an ongoing service designed to provide peace of mind for those throughout retirement. We look after your investments so you can enjoy yourself. We check in with you regularly. Is your expenditure matching your expectations? We explain how your investments are doing.  As your needs change or opportunities arise to enhance returns, we discuss options and make recommendations or tweaks.

“Having decided to take the option of early retirement, Baker Davies worked with us to put the various investments in place so as soon as funds were released, they were smoothly transferred and began to work. Baker Davies has continued to monitor our investments and give us advice on their performance which we trust and value.”

Mike and Diana

We first saw Kerry about three years ago as we had bits and pieces of pensions and investments all over the place. Kerry was brilliant. She pooled together most of our private pensions to get better value and also moved some of our cash ISAs into equities for potentially better returns. The overall aim was to boost our savings for retirement.  She helped us make sure we were using tax-free allowances including personal pension for me, (even though I work part-time, I can get tax relief on my contributions) and we now get the married couple allowance.

Dave and I have been able to save much more.  Kerry also got forecasts for our state pension and made sure that we have paid enough NI to qualify for the higher amount.

Recently Dave announced that he’s had enough of work and wants to retire early, if possible, next year. So, Kerry is now doing new forecasts and number crunching to help us work out if it’s possible. She says we are in a much better position to achieve this because of what we have done during the last few years. 

All our dealings with Kerry have been very positive and helpful and our meetings have always been a pleasure.  I am very glad we chose her and Baker Davies to get our finances in order.” 

Karen and Dave

Helping us make decisions about early retirement and ongoing monitoring of our investments

“We had used Baker Davies since moving to the area some eight years ago to advise me on ISA investments and found their down to earth and practical advice to be very helpful. In particular, the scope of the investments offered made us feel confident the financial solutions matched our requirements rather than being forced to commit to a particular offering.

When my company decided to close its final salary pension scheme, we were forced into making a life-changing decision regarding potential retirement. Central to the decision were the financial implications of taking early retirement and the investment returns we could expect in the medium and longer term. Having explained the situation to Baker Davies, they helped us identify various options and made suggestions regarding potential investments. The discussions were in context of the risk profile established with my wife and I, and it enabled me to deal with my company with solid information at my disposal.

Baker Davies stressed the need for flexibility and took time and trouble to provide and explain options, so we always felt comfortable with the advice given.

Having decided to take the option of early retirement, Baker Davies worked with us to put the various investments in place so as soon as funds were released, they were smoothly transferred and began to work. Baker Davies has continued to monitor our investments and give us advice on their performance which we trust and value.

At a time where financial markets are more volatile, and financial advice is questioned, we are very satisfied with the service provided by Baker Davies. Their friendly, practical advice and the time taken to provide and explain options is really appreciated.”

Mike & Diana

“We nicknamed Kerry the pensions fairy because she sorted all our pensions out in a very accommodating and pleasant way. My wife Jackie and I had a few pensions between us, and we were not sure what to do with them or how best to take the benefits now we are retired.

We found the paperwork from the product providers a bit overwhelming. We didn’t want to try and work it out for ourselves as we didn’t feel we knew what questions to ask and, in any event, we don’t like doing things online.  Friends recommended Baker Davies, and we were very pleased to have an adviser we could meet with face to face for a more personal service.

Kerry found out, through the psychometric profiling, that we are both non-risk takers. Kerry explained the various options for how we could take the benefits from our pensions and guided us to the lower risk annuity options. She explained things really well, was easy to deal with and was very understanding of our risk-averse nature.

Once we decided which option to go for, the paperwork was easy because our Client Account Manager, Jackie, did it all for us. She contacted the product providers, processed the paperwork and chased them up. Overall, we are delighted with the service, which was also very affordable.”

Alan and Jackie

Lindsay inherited half her aunt’s estate. Up until now, Lindsay and her husband James had not really been in a position to invest. Children, mortgage and the day to day cost of living had taken up most of their income.  The inheritance was welcome, but what to do next?

Lindsay said “I knew we could easily fritter it away doing up the house buying cars and having holidays, but I didn’t want to. I realised that this is an ideal opportunity to plan for our future because neither James or I have been doing any serious saving for our retirement, but we didn’t know where to start. I wondered if we should be saving into some kind of pension or other savings or maybe buying a property for our oldest to use when she goes to University. I wouldn’t know what was a good deal and what was really risky or how the inheritance might affect our tax and entitlement to child benefit.”

Baker Davies guided Lindsay and James through the 6 stage financial planning process and also put in place the Wealth Builder ongoing service agreement to help them regularly review progress to achieve their financial goals. 

Baker Davies offers to help you make the most of your inheritance now and to manage your portfolios to keep them abreast of market movements and your changing needs. Your adviser will also be here for ongoing advice and adapting strategies as new needs or opportunities arise.

Ms Sutherland was power of attorney and the executor for her aunt

“I am very grateful for the ongoing advice and help I have received from advisers and support staff at Baker Davies. I am a client myself, and when I became power of attorney for my Auntie Margaret, Baker Davies began looking after her small portfolio of Peps and then ISAs, which grew very well.

When it clearly became time for her to live with others safely, rather than stress on her own being lonely at home, I received invaluable guidance and advice which enabled my Auntie to afford to live in a fabulous and kindly care home that she loved.  It was such a relief to be able to find such a perfect solution and get advice to manage the financial risks. 

A few years later my Auntie Margaret got ill and died when I was abroad. I was the main executor of her will. I had a lot to deal with quickly.  The Baker Davies CAMs were able to inform the product providers to cease making payments. They also quickly provided the valuations I needed for probate.

Later on, I had a nightmare dealing with my Auntie’s solicitor who was very inefficient, made mistakes (including overcharging), and clearly didn’t understand investments.  It was very stressful, but thankfully, Tony Davies was a helpful sounding board and even joined me on a conference call with the solicitor. He helped the solicitor understand how my share of my Aunties portfolio could be assigned to me as a beneficiary, rather than all being cashed in and suffer additional reinvestment charges. This is something the product providers are able to do, and we had all the paperwork, but the solicitor had never heard of it. 

The portion I inherited of my Auntie’s portfolio is still being looked after by Baker Davies although they switched funds at no cost to ethical funds which I prefer.  I used some of the first year’s profit to fund a special boat holiday in the Caribbean in tribute to my fun loving Auntie, and fittingly we were moored in Margaret Bay!”  

Ms Sutherland 

The first step is to contact an adviser and find out more about the services.

Find out how we work for you and the 6 steps involved.

You can benefit from the ON TRACK Review service.

Start small and do more as your budget allows – but please do not delay!

Have you put off financial planning until now?   

• Perhaps life is so busy you struggle to find time to plan for your future?
• Maybe you’ve been tempted to put off financial planning until you are earning more?
• Did something happen to someone in your life which makes you think differently now?
• Or do you want to take control of your financial future, but the thought of financial planning is a bit scary for you? Financial planning really can be liberating – you just need to work with a firm that put your needs at the centre and who will communicate in ways that make sense to you.  

Delaying financial planning is bad for your wealth!

Research shows that the sooner you seek financial advice, the better off you will be in retirement.

We can help you to create your wealth:

• Begin saving and investing to optimise returns appropriate for your time scale and attitude to risk.
• We can ensure your funds will be diversified and monitored. 
• Your adviser will help select the most appropriate tax and legislative wrapper for you.           

Many thanks, Carla (Client Account Manager) as always for your email and all the information it contained.  I am extremely grateful for such a high level of service for what is such a modest pension pot. Also, for the quite exceptional return my portfolio has produced over the last four years.  I am a very happy client!” 

Derek (now living abroad)

Get proper financial advice sooner rather than later

Sam is in his 20s and travels a lot with work.

“My work situation had vastly changed due to promotion, and I wanted advice on how to invest/look after the money that I had as savings. Kerry looks after my parent’s finances, and I have only heard good things about her service and advice. 

I work outside the country but live in the UK, so this makes my situation a little more complicated in regard to where my money can go and how much I can save. Kerry has helped me set up personal pensions, investments and savings accounts. It’s been good to know that the advice I have received has been tailored to my specific situation and my needs, giving me a very personal service.

I now feel safe in knowing that my interests and needs are at the forefront of any financial decision made. We have regular meetings and conversations where we assess my financial situation and make any changes if needed. We work as a team.

Kerry is always available to offer advice or answer any question I may have. Her service is very professional, but her personality is very caring and understanding. In my eyes that’s a perfect mix as it is important to be able to approach and trust someone when they are dealing with your finances and your future.

My advice to others of my age is to start saving and get proper financial advice sooner rather than later – setting up for the future is very important.”

We will also guide you with financial planning principles and safeguards

• To ensure not all your eggs are in one basket.
• To consider how much risk you are prepared to take to protect what you have built up so far and insure what you can’t afford to lose.
• Discuss wills with you. How you have set up ownership of bank accounts, mortgages and properties if you are part of a couple, and how you own business assets if relevant. Each have tax and legal implications which can help or hinder your financial planning goals.
• Check your mortgages are appropriate.
• Explain risks and options for what you can do to make adequate provision for you and those who are financially dependent upon you.

Are you rolling the dice with destiny?

Are you relying on the state to provide for you and your household should your health or financial circumstance change?

Right now, would you risk not insuring your car or your house?  Yet have you insured you and the key people in your life or business? Is this a risk you can afford to take?  A little advice can go a long way to protecting you and your loved ones. We help you work out what you need and how to bridge significant gaps.

Independent Financial Advisers are in limited supply

To protect your existing standard of living and implement plans for future financial freedom – it makes sense to seek advice. However, there are fewer Independent Financial Advisers around these days. It’s more likely that you will have to seek one out, than wait for one to come looking for you.

This is partly because compliance costs and regulation procedures (designed to reduce risk to the consumer) have soared. Many firms will now only act for what they call ‘higher net worth’ clients meaning that many families are missing out.  Baker Davies is different in that we like to help whenever we can.  So, we developed the ON TRACK REVIEW SERVICE AND THE FUND MONITORING SERVICE for clients with smaller budgets. These are ideal for those who are keen to get on track with their financial planning.  We also ensure that every client can benefit from our in-house investment research process.

“I started with Baker Davies about 17 years ago with a relatively small portfolio.   After I got divorced, I had £16,000 from the sale of property plus two small endowments, a pension from my previous employer and a private one, plus a small Pep. I used to be in financial services but hated picking which funds to invest in. 

 

Over the years, Baker Davies has helped me consolidate and grow my pensions pot, sell the endowments, re-mortgage and buy three buy-to-lets, ensure the critical illness cover I have would be paid to me if I needed it and the death benefit and pension funds are under trust to go straight to my beneficiaries if I die.  I have saved regularly into tax-efficient ISAs and pensions.

 

I love getting my valuations and having ‘on track reviews’, and I can hardly believe that I am now actually in a position aged 53 to retire if I want to.  I would encourage everyone to save wisely and not leave things to chance. Don’t put all your eggs in one basket. Get independent advice from Baker Davies to help you too.”

Kathleen

The 6 Step financial planning process with the ongoing “Wealth Builder Service” will support you in achieving your goals and accelerating your progress toward financial freedom. The service is designed for people who are working or running their own business and are not yet retired. 

In addition, Baker Davies can use ‘cash flow forecasting’ tools to help you work through different scenarios, and compare how different actions may impact on you achieving your goals. 

At Baker Davies, we recognise that while you may be keen to accelerate your wealth, you are probably already pretty busy and financial planning is not your full-time job.   

We offer our expertise and tailored professional service to meet your needs. 

Kathleen explains in this Case Study how the Baker Davies advice and ongoing reviews over 17 years have helped her get into a position where she could retire age just 53. 

Roger is Power of attorney for his mother who is needing more care in her own home. Kerry was able to guide Roger in the right direction to ensure his mother is getting all the benefits and help she is entitled to.

“I should like to take this opportunity to thank you for your excellent advice and help which make clear the options available. After having various conversations with the Care Co-ordinator, and adult and community services, we established that mum will only have to pay a further £50.41 per week.  Also, the department of work and pensions should provide a pension credit. We are applying for higher rate attendance allowance, and she may also become exempt from council tax. So, everything is now looking good. Should my mother need to raise cash in future from the house I shall certainly be in touch.”

Roger

“It felt like a huge responsibility to do the best for my aunt. Advice from Baker Davies was invaluable and helped me make sense of it all. The combination of long-term care annuity plus investments gave me peace of mind that we would not run out of money. I was very pleased to learn how to ask for additional attendance allowance and ensure the care home reduced the fees in line with the NHS funding contribution they received.”

Fiona

Equity Release

Mr and Mrs R were very pleased to receive Kerry’s excellent equity release advice. 

“Kerry took the time to find out what we really needed. She was very knowledgeable and thorough, had the foresight to think ahead for us and recommend a great deal that suits us perfectly. The whole thing was handled with great probity, and the process was painless and professional. It was a massive contrast to what we experienced five years ago when we first considered equity release.”

Background

Mr and Mrs R, now in their 70s, had already spent a lot renovating their grade 2 listed cottage. They now wanted to replace two more windows which were rotten and install new railings for safety. But the rising cost of living meant that there was little surplus income to pay for these repairs or to spend on the little extras that make life more enjoyable.

They wanted to enjoy living in their beautiful home and also to boost their income for at least the next five years. They had considered equity release five years previously but were not impressed by the ‘gung-ho advertising and lack of choice’ at the time.  The independent financial adviser firm looking after their investments now was not authorised to give specialist advice on equity release, so they referred Mr and Mrs H to Kerry at Baker Davies.  Kerry explained the options, obtained illustrations and they opted for a fixed rate repayment which has enabled them to achieve the additional income they want. Kerry built-in flexibility so they can drawdown more if they need in future. 

“The capital we have now withdrawn has taken the pressure off, making everything easier for us. The way it is paid suits us perfectly.  The deal Kerry arranged is very good value and I would encourage others who have equity in a home, that they may downsize from in future, to consider Equity release.  There is more competition among product providers these days, regulation is better and if you go to Kerry she will act with integrity and honesty and put your needs first.”

Building up wealth, when abroad and at home

“We have a long-term professional relationship with Peter of Baker Davies which started when we lived abroad. It must have been around 1998 when our accountant recommended Peter to us. He helped us when we returned to the UK to make good choices about our investments, and since then he has advised us on everything. We have used him for our whole financial portfolio, investments, buy-to-let, home mortgage, savings, pensions, insurance – everything.

We trust him implicitly, he understands our situation, is very friendly, responsive, competent, efficient, direct and honest.”

Jo and Rob

“I started with Baker Davies about 17 years ago with a relatively small portfolio.  After I got divorced, I had £16,000 from the sale of property plus two small endowments, a pension from my previous employer and a private one, plus a small Pep. I used to be in financial services but hated picking which funds to invest in.  Over the years, Baker Davies has helped me consolidate and grow my pensions pot, sell the endowments, re-mortgage and buy three buy-to-lets, ensure the critical illness cover I have would be paid to me if I needed it and the death benefit and pension funds are under trust to go straight to my beneficiaries if I die.  I have saved regularly into tax-efficient ISAs and pensions.

I love getting my valuations and having ‘on track reviews’, and I can hardly believe that I am now actually in a position aged 53 to retire if I want to.  I would encourage everyone to save wisely and not leave things to chance. Don’t put all your eggs in one basket. Get independent advice from Baker Davies to help you too.”

Kathleen

There are many legitimate solutions.  The first step is to do some sums. Total all your net worth, which might include equity in property, savings and investments (not protected by trusts) and if it exceeds £325,000, we should talk further.  Gifts between UK married couples and the value of family home passing to children can be exempt up to a certain amount, but you need to be sure.

If your estate is likely to be subject to inheritance tax you do have a choice.

A/         Do nothing, and your estate could have to pay tax that could have been avoided.

or

B/         Explore options for reducing the tax, while ensuring your financial planning is giving you all that you need.  

Regrettably, many people neglect or delay important IHT planning due to myths or misunderstandings:   

They think it’s not relevant to them.   

They may not realise how much of their estate is subject to IHT, or they think they are too young. Unmarried couples, couples without children and people with more than one property and growing portfolios of investments can very quickly exceed the exemptions and Nil rate bands.

Others miss out because they assume that in order to reduce the value of their estate, they have to lose control of their wealth or lose access to their wealth.

Neither is necessarily true. There are many ways to achieve control and access to what you need while reducing your estate’s potential inheritance tax. Baker Davies advisers have been helping many clients save thousands of pounds through IHT planning for a long time. Your adviser will explain the ins and outs suitable for your particular situation.

Another myth is that people believe you have to have lived seven years for IHT planning to work. 

Again, this is not true; there are ways to reduce tax immediately, although there are more options available the sooner you plan.

Some people fear the only way to reduce IHT is through dodgy deals or expensive solutions.

Baker Davies has always been conservative in our approach to IHT planning and recommend tried and tested legitimate solutions provided by recognised product providers using trust law that is well-established.  The cost of advice is often very small compared to the massive tax saving that can be made. 

If people have capital that cannot be put in trust or otherwise taken out of the estate, life insurance can help fund the tax.

In situations where the use of life policies are appropriate, it may be that the beneficiaries would like to pay the policy premiums, as it is they who will ultimately benefit.

Another common objection we hear from clients is that they worry about IHT planning because they assume they can’t afford to give anything away, in case they need to supplement income in retirement or fund expensive care in later life.

Firstly, you don’t have to necessarily give it away to reduce IHT.  Nonetheless, it is reassuring to be able to make sensible projections about what you might need in future.  We can help do this with our Cash Flow Planning Service and with specialist later life in house advisers to assist.

At Baker Davies, we know that planning ahead can make a huge difference often very quickly, as client testimonials and case studies demonstrate. However, do remember that each client situation is different and so bespoke advice is crucial. The case studies just give a flavour of the kind of situations where we have helped people save thousands. 

Inheritance tax planning and being a great support beyond money

Lilian and her husband were retired and wanted to make sure they would have the income they needed to provide the lifestyle they wanted. In 2000 Jeff, their accountant, introduced them to Tony to review their entire portfolio and make appropriate changes to generate income while protecting against inflation, generate good returns without excessive risk and make things as tax efficient as possible.

As well as gradually re-structuring the portfolio, Tony recommended inheritance tax planning so that they could enjoy their wealth and know that at some point, it will pass to their family – rather than the tax man.

After Lilian’s husband passed away, Tony has continued to manage her wealth and keep in regular contact so that she knows where she stands financially.

Lilian says, “Tony has been very patient, very nice and has been a great support beyond just advice on what to do with the money. There were a lot of decisions to make after my husband died. Knowing that I can ask Tony anything has taken all the pressure off worrying about things.

He has met with our accountant, solicitor and stockbroker as well as my family and it’s good to know that everything is being taken care of. Pete has also advised my son for mortgages which was very helpful. Looking back, we weren’t getting such personal service or interest from our previous financial advisers.”

Lilian