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Richard has been providing me with sound financial advice and information for the past 7 years, particularly in the areas of pensions and mortgages. He has helped me prepare for my future while enabling me to live now – despite my ever-changing financial circumstances. I have found him to be helpful, personal and prompt and I trust his advice. He has helped me greatly and alleviated the anxiety I feel about financial matters, for which I am very grateful. I would (and have) recommended him to everyone.