The process we have undergone with you was utterly insightful. That the output is a living, working plan which develops with us and our aspirations is, we believe, how financial planning should be. As we don’t live in IFA-world, everything being put to us in plain terms by someone we know we can trust is crucially important. Needless to say, we have no hesitation in recommending Essential Money. Our thanks to you and your staff, Thomas.