Very few of us manage our finances well. That is hardly surprising: the financial world is complex and fast changing, we have neither the time nor, very often the inclination to make the most of what is on offer. Planning for a secure future, be it for yourself, your family or your business, is one of the most important steps you will ever take.

By explaining the complexities, I endeavor to keep things simple in what is sometimes a bewildering financial world.

I recognise that your situation is unique and so if financial advice is to be truly valuable it must be based on an understanding of your individual circumstances, giving individual solutions and attention to your needs.