“I decided I needed financial advice over fifteen years ago so that l could plan my retirement and plan for the future.

I wanted an experienced professional at the helm that l fully trusted and understood my circumstances but who had honest and realistic views on what was achievable.

Neil Cowie was excellent in the management of my Pension portfolio and working out the income l would require to live on.

He also set up a solid safe platform for my investments, together with good advice on possible inheritance tax implications.

His continued management is enabling me to enjoy a wonderful retirement with the comfort and security that our family finances are in such trusted hands.”