Testimonials

The process we have undergone with you was utterly insightful. We now have a living, working financial plan which can develop with us and our aspirations. We believe that’s how financial planning should be. We don’t live in an IFA world, so having everything put to us in plain terms by someone we trusted was crucially important. Needless to say, we shall recommend Essential Money.

Sophie & Fraser Mitchell, Principal Dentist




I have just read your article in the Probe and just wanted to say how refreshing it was to find somebody expounding a practical view about incorporation…

Nick Ledingham, Chester, Senior Partner, Morris & Co. (Chartered Accountants),




I have been delighted with the service received from Ranjit Virk over several years in giving me sound financial advice… I have benefitted from his in depth knowledge. In addition Ranjit has always been available to explain anything .. a major benefit for someone primarily concerned with the day to day running of a dental practice.

Mr Jatinder Heer BDS (Lond) MFGDP RCS (Eng) Practice Owner J H Dental Clinic,




I have always admired the work that Brendan has put into any of my queries and the well balanced advice that he has given me. From matters of NHS pensions to reviewing the proposed purchase of a practice, Brendan has been my invaluable advisor and confidant…. He and his company have a clear policy on charges which I feel are competitive, reasonable and value for money….. inspired in me a great deal of confidence and respect.

Dr. Kaushik Paul, Dentist




Brendan has been the family’s financial adviser for some time. I found him prompt with answers to my queries, efficient and careful to get all information possible to consider alternative actions and, most importantly, trusted…. I wish I found him several years ago… I have no doubt in recommending him to those who want to make the best use of their money

Dr. Zoser Fouad Boulis Consultant Radiologist,




I was impressed with the experience and professional attitude Brendan showed in dealing with our financial circumstances. He shows breadth of knowledge including navigating through complex NHS pensions and putting together bespoke packages to suit our requirements. Both he and his staff respond promptly and I have no hesitation in recommending him to you.

Abbi Lulsegged, Consultant Endocrinologist




… after an introductory meeting to review my current financial position it was immediately clear that he had the knowledge, dental background and understanding to help me with my financial planning in the lead up to retirement. I feel confident that his advice has been tailored to my individual needs and wishes and have enjoyed our meetings as he is a genuinely nice guy.

Dr Michael Fulforth, Dentist




Clear, concise and honest information which is explained in basic English so that I can understand the financial terms and relate it to my financial needs….. looked after my business and family’s financial welfare over the last 10 years and I have found him to be more than reliable and uses factual – up to date information. In fact his approach is of a high professional standard who has additional values such as being sincere and understanding. His staff are approachable and always at hand …

Sukhvinder Atthi, Dental Surgeon




Thomas helps us understand what is happening to our business, helps us calculate the impact of any decisions we make both now and in the future. When we come away from meeting Thomas we feel enlightened and enlivened. It is difficult to put a price on such peace of mind.

Don Robertson, Dentist




Having moved to Thomas after 30 years from another company we were unsure if he would be as good as he had been recommended to us. However he is way beyond any comparison with our previous advisor. He has time to listen, his advice has been spot on, and more importantly he has picked up quickly what our likes and needs are. We do not feel rushed during our meetings, and he responds to emails promptly. Most impressively his advice on our investments has been excellent.

Liz Brown, Retired