Reviewed for

Insurance and Protection ( 6 )

Mortgages ( 9 )

Pensions ( 16 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 3 )

Auto Enrolment ( 2 )

Investments and Savings ( 17 )

Inheritance Planning ( 1 )

Reviewers' assets

£500k+ ( 7 )

£200k - £500k ( 1 )

£100k - £200k ( 2 )

Up to £50k ( 2 )

£50k - 100k ( 1 )

Client reviews

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Paul

Good advice

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

We realised that as we were getting closer to retirement we needed to ensure we were doing the right thing with our monies.

How has Paul Lloyd helped you?

We are very happy with Paul as a financial adviser. We have been his clients since 2007 after my brother recommended him to us. We are a Pharmacist and a Systems Analyst, now both retired. Although we have previously invested in various propositions, we have fared much better since Paul has been advising us. His input, specifically on pensions, has been invaluable.

Have you seen the outcome you were hoping for?

Yes our investments seem to be progressing nicely.

First impression from a user who is not yet a client

May, 2017

Overall

Please provide a brief comment about your experience with Paul

Paul appears knowledgable, easy to talk to and keen to help without being "pushy" I am looking forward to meeting him

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

What were the circumstances that caused you to initially look for an adviser?

First time buyer with no clue around mortgages or the way to go about starting the process.

How has Paul Lloyd helped you?

Advised me on different kinds of mortgages and guided me effortlessly through the all of the steps until completion. Even afterwards he has been offering advice and an open door to any questions.

Have you seen the outcome you were hoping for?

Definitely. I would not have been able to do it without him.

What could they have done better?

Other than find me a 0% mortgage, nothing. Perfect, professional, polite gentleman who really couldn't do enough for anyone. His colleague Sarah was also equally as professional and helped me also. Thanks to the pair of you.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

An inheritance from my father's estate.

How has Paul Lloyd helped you?

I had received an inheritance from my father 's estate and was approaching retirement age and therefore needed some financial guidance. This was new territory for me and I arrived with Paul Lloyd after a thorough search of available internet information and a selection process involving three IFA's in my geographical area. I found Paul very personable, taking great care to fully understand my particular needs and patiently explaining the investment processes that could deliver what I was looking for. I appreciated Paul adapting his explanations to my level of understanding (layman) rather than with more complex financial terminology I had heard from others. Paul 's review of my State Pension status also yielded useful longer term gains. As well as my existing investment needs (which were primarily resilience to the current market volatility) we looked at what I might need in the future in terms of flexibility, market changes and taxation as well as inheritance planning. I found this holistic approach both helpful and thought provoking. The administration related to the investments was quickly and efficiently handled and any communication handled promptly by Sarah even when Paul was unavailable. I have been a client of Paul Lloyd since the beginning of the year so it is early days but all of the indications are that I will be very satisfied with his services. As it is early days my value for money assessment against the parameters set above is provisional.

Have you seen the outcome you were hoping for?

Yes, I now have a creditable plan to take me forward to retirement. Brexit will, of course, mean that matters will need to be further reviewed as the scenarios unfold.

What could they have done better?

I have nothing to suggest at this early stage of my relationship with Paul Lloyd

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

What were the circumstances that caused you to initially look for an adviser?

Both retired and needed advice regarding our previous investments and planning for the future.

How has Paul Lloyd helped you?

We have only known Paul for a short period of time (about five months), but we have found him to be very professional and a very cheerful personality. He has listened to our needs and requirements, and has provided us with a great portfolio of investments. He has tailored those investments so that we are receiving the maximum benefit and we are very satisfied. He us given us a great service and a considerable amount of his time in order to make sure we are satisfied. We would give him a 5 rating on all sections. It is difficult to see what Paul could have done better for us. We are both retired police officers with no particular financial expertise. We needed to invest our police pensions in order to secure our financial future, and Paul has certainly accomplished that for us.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

We don't have a great deal of experience in this field but we both feel Paul has advised us well and we are very happy with the way our investments are performing.

Review from verified client

August, 2016

Overall

Service

Advice

Value

Based in Lancashire

What were the circumstances that caused you to initially look for an adviser?

Buying a first property.

How has Paul Lloyd helped you?

After being recommended the service by a family member I was put into contact with Paul and Sarah who talked me through the requirements for my application and provided me with the relevant documentation. The process was extremely simple and quick. At each point Sarah was there to answer any questions or queries I had and her responses were always super quick. Sarah was at hand throughout the entirety of our mortgage process and offered great advice tailored to our needs. Over the course of the few months we were sorting our mortgage she was quick to update us on any progress via both email and telephone which was brilliant especially as we were abroad for some of the time the mortgage was all going through. I would recommend the service to anyone and feel confident in my choice with Lloyds Independent Financial Planning. I will definitely use them again in the future.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Early Retirement.

How has Paul Lloyd helped you?

My wife took early retirement eighteen months ago. We had a mixture of investments, which had accrued over the years and wanted to put our finances on a secure footing for the future. Due to negative stories we had heard down the years about the financial profession, we were nervous about engaging an adviser. However, we took the plunge and eventually discovered Paul's website which we found to be astute and reassuring. Initially, what impressed us most about Paul was the amount of work and diligence he put into finding the best solution to maximise the potential of our capital without any commitment on our part to use his services. He gave his advice freely and without any attempt to persuade us to use him. We found him knowledgeable and patient, as well as refreshingly uncondescending when we didn't understand a point. Once we began using Paul's services we found his holistic approach quite unique. He took the time to get to know us, our interests, our current situation and our aims for the future before tailoring an investment plan that fitted our circumstances. Subsequently, as we have developed our relationship with him we have found him to be someone who we can turn to for advice and guidance when the need arises. We would both recommend Paul to anyone who needs dependable advice on finance.

Have you seen the outcome you were hoping for?

Our finances are now in an organised state with the potential for growth in the future.

What could they have done better?

Perhaps there are things Paul could do better but in our case he exceeded our expectations of a financial advisor

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Because I am approaching retirement age and need to start planning with my existing investments.

How has Paul Lloyd helped you?

Paul was recommended to me by a good friend in whom I have great trust, after a couple of meetings with Paul to discuss my financial affairs, I decided to let Lloyds Independent Financial Planning manage my personal financial affairs. Paul has thoroughly researched all aspects of my affairs, offered different options for me to be able to make judgments on potential investments, together with the accompanying risks, and presented these in easy to understand formats. I would have no hesitation in recommending Paul and Lloyds Independent Financial Planning to my friends and colleagues.

Have you seen the outcome you were hoping for?

Early days but I feel confident that Paul will help me achieve my goals.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Build-up of savings, and pension lump sums to invest.

How has Paul Lloyd helped you?

We were introduced to Paul two years ago by a family member, who strongly recommended him to us. At our first meeting with Paul, we explained how much we had to invest, what we were looking for in terms of a return on our investment, as well as some specific concerns about ethical investments. Paul was clearly very knowledgeable, as well as patient and charming. He asked us a number of relevant questions, and carefully documented all aspects of our discussions. He subsequently sent us a written record of our initial meeting, and a set of proposals which, he felt, responded well to our needs. He then returned for a second meeting, at which his proposals were discussed in detail with us and we agreed an investment plan with him. Since then, Paul's company has met our joint objectives well, he has continued to keep us well and comprehensively informed and has always been ready to meet us to discuss any aspect of our portfolio. His company's regular bulletins are always interesting and informative. Earlier this year, Paul helped us to arrange a buy-to-Iet mortgage for a property investment, and was also very helpful in providing additional and detailed advice on several aspects of the property purchase. When, also earlier this year, we received an unexpected, and by our standards substantial financial bequest, we had no hesitation on the basis of the results achieved by Paul with our original portfolio, and the quality of service, in choosing Paul again to manage the new investments. We would recommend Paul's services without hesitation.

Have you seen the outcome you were hoping for?

So far, so good...

What could they have done better?

More regular follow-up.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

To get our first mortgage than when we moved and Paul helped us get a bigger mortgage to be able to buy our second home. Recently we have just got a 2nd mortgage charge for home improvements as well.

How has Paul Lloyd helped you?

We were put onto Paul Lloyd from a colleague at work, when we were looking for mortgage advise, I have to say, best move we have made. Paul made the whole process very pain free and took a lot of the stress away. Very genuine person and really wants to get the best deals available. We have also had dealings with Paul’s administrator, Sarah, who was also extremely helpful. I can honestly say I wouldn’t hesitate to recommend the services Paul and Sarah provide at Lloyds IFP. Not only do they provide a service, they are really nice people who want to give the best advice. Thank you both for everything so far, and we will be back for more help and advice at the end of the year

Have you seen the outcome you were hoping for?

100%.

What could they have done better?

Honestly nothing really geniune guy explained everything, kept us informed at all times and got us what we needed.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Looking to purchase a home.

How has Paul Lloyd helped you?

Paul Lloyd has been invaluable throughout all stages of my financial progression and life changes. Paul has been solely responsible for the management of my personal finances including my mortgage, pension, life & health insurance, investments and tax for over 10 years. Paul Lloyd is extremely professional, honest and intelligent and the advice he provides is always unbiased. Particularly throughout our mortgage application process, Paul and his colleague Sarah Mason at Lloyd Financial Planning, looked after us every step of the way. They responded right away to all our enquiries and ensured that there was no stress involved as they handled everything in advance. Paul Lloyd is extremely knowledgeable and we found that his help showed no bounds; with sound advice provided on all areas of the house buying process. He was always very honest and passionate with us, and we felt in safe hands due to his clear expertise. I have known Paul for over 15 years and he has always been there whenever I needed him. He has also taught me a lot along the way, always happy to share his knowledge, for which I am very grateful for. I would definitely recommend Paul Lloyd as I feel lucky to have been able to work with him

Have you seen the outcome you were hoping for?

More than I was hoping for.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Wanted guidance on my finances, and most recently with a mortgage to purchase my first property and life insurances.

How has Paul Lloyd helped you?

I have known Paul Lloyd for a few years now, and he has helped with many financial decisions I have had to make. Most recently was the purchase of my first home and insurances to go along with this. Paul is very knowledgeable, and explained all aspects of the mortgage process in an approachable way. Any questions I had were answered quickly and fully, and this put my mind at ease the whole way through. It can be a stressful time buying a property, but I found with Paul’s guidance the transaction went as smoothly as possible. The life insurance and income protection he recommended fully covered everything I needed and wanted, and he easily explained and broke down the jargon so I knew exactly what I was being offered from each provider. I would have no hesitation in recommending the services of Paul to anyone.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I do not feel Paul needs to improve in any area, I am very happy with the guidance and advice he provided.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

I received a bequest from my mother and knew I had to have it managed.

How has Paul Lloyd helped you?

Paul Lloyd has been my Independent Financial Advisor since 2009. Over the years we have developed a good professional relationship and I feel comfortable with asking him for advice and help, with what to do with my money. I met Paul at a Retirement Show, I told him of my inheritance from my mother and the need for managing it. I was impressed by his response and understanding of my situation, so I asked him to act for me. I am retired, aged 67, with only a limited knowledge of the financial world and Paul has always taken time to be sure I understand the meaning of words and terms that he uses. Thanks to Paul, my savings have grown to around £700,000 which they certainly not have done had he not managed them so well. He regularly supplies me with my portfolio and suggests whether or not to move some of my money to alternative investors. I meet with Paul about twice a year, with the option of sending an email or to telephone him for advice in between his visits. Peace of mind about money is so important and I have no problem in recommending Paul to manage investments.

Have you seen the outcome you were hoping for?

I do not have any money worries now as my investments have increased in value.

What could they have done better?

I have no critisism of how Paul has been overseeing my investments. We meet 2 or 3 times a year to discuss my portfolio and to update any movements deemed necessary to continue to increase the growth.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I approached Paul at a time when my business was experiencing year on year organic growth, this invariably led to an increase in staffing numbers and available funds of investment. I was so impressed with Paul and his detailed and tailored approach I asked him to review and manage my personal finances also.

How has Paul Lloyd helped you?

Paul Lloyd is the consummate professional, who acts and behaves in an ethic and responsible manner at all times. I have entrusted Paul, via his practice, Lloyd Financial Planning; to manage my personal financial affairs, and also that of my business. Alongside a considered, knowledgeable and fact driven service, Paul has been a breath of fresh air to deal with. He’s candid in his opinions, a subject matter expert in his chosen field of specialism and is clearly someone passionate about his profession. I have known Paul for over 10 years and in this time his investment, estate planning, financial and stock market advice has been first class; his knowledge base is exact and is supported by, in my opinion, first rate research capabilities that hone in on the correct data with meaningful impact and relevance. Beyond the first class advice, Lloyds Financial Planning are superb at maintaining relationships and ensuring regular updates are made so you are aware of your portfolio status and any potential opportunities or risks. The recent advent of a monthly customer newsletter has been a superb addition to the service; precise, topical and easy to digest. If you need financial advice from someone you can trust, that puts in an enormous amount of ‘behind the scenes’ research and effort to ensure you are getting the best and most appropriate information, then Paul and Lloyds Financial Planning would be my one and only professional recommendation.

Have you seen the outcome you were hoping for?

I am seeing the anticipated growth Paul and I agreed would be the target from the outset. A number of the investments Paul recommended have far exceeded expectations.

What could they have done better?

I honestly can't think of a way Paul could have performed better for me. Absolutely delighted with the results

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Paul

First impression from a user who is not yet a client

November, 2014

Overall

Please provide a brief comment about your experience with Paul

Mr Lloyd has not contacted me. Don't bother

Paul's reply

Good Morning Lucille, Firstly please accept my sincere apologies for not contacting you sooner, unfortunately your enquiry was sent to our spam folder. We can absolutely help you with your enquiry, I notice that no contact details were provided in your email, please contact me on 01277 365874 or kindly provide a contact number and we will be very happy to help in any way we can. Kind Regards, Paul Lloyd

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

I was introduced to Paul approximately 6 years ago. I was going through a divorce and needed to get my finances in order, Paul helped me get straight with my finances – firstly by investing money for my children’s school and university fees etc. He guided me through the many options open to me for investment, the risks and benefits involved, so I could make the best choices. We have discussed options to utilise my pensions, draw down options and how to make the best of my ISA’s. We are currently going to build an inheritance plan for the future. He also helped me through a buy to let scheme. Paul is very approachable, thoroughly professional, trustworthy and very knowledgeable in all aspects of financial matters. He always goes the extra mile. His services are first rate and I couldn’t do without him. I recommend Paul to anybody for all your financial planning needs.

What could they have done better?

Very happy with Pauls financial advice.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

I have been using Paul Lloyd now for over 3 years. I was highly recommended to Paul through a trusted colleague and must say that the service given to me within this time has been fantastic. Initially I wanted Paul to be a trusted advisor to my business and because of his commitment to me; I also use Paul for my personal finances as well. In 3 years of working with him he has never put me wrong. PaulÂ’s knowledge of the industry is quite simply first class. Alongside his industry knowledge Paul possesses a friendly and comfortable approach which you wouldnÂ’t normally find with other financial advisors, and you instantly feel at ease when dealing with his company which is a rarity in this field. Customer service is clearly PaulÂ’s passion as he is always a phone call away and nothing is a problem. My advice for anyone looking for a financial advisor, be it your business or personal needs, Lloyds Independent Financial Planning is the only company to go with. I truly believe that my overall finances are in the best possible hands with Paul and I trust his judgement implicitly. I have recommended Paul and his company to many other family members, friends and business associates and will continue to do so. If you are not using his services you are missing out.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

My wife and I had accumulated an amount of money over several years and felt the need to make it work for us and to build a nest egg for time to come. We had money spread around in worthless accounts with no investment capability what so ever. We spoke to Paul Lloyd from Lloyds Financial Planning. He quickly took control of the situation and spread our finances into reputable worthwhile investments across the financial market. Up to now our money has grown and started to give us returns that we were unable to achieve ourselves. Paul has now laid us a solid path for our future retirement. Paul Lloyd has always displayed a high level of professionalism coupled with Integrity. He is organized and capable of dealing with problems as soon as they occur. E mails and phone calls are always returned and usually with a solution to a problem. We have always been kept updated with our investments and current financial trends as Paul likes to be a step ahead to enable him to get the best from the financial market. Paul makes us feel comfortable at our financial meetings. He fully explains and justifies his actions and strengthens the confidence we have in him. We never feel patronised or pushed into areas weÂ’re not happy with. We have been with Lloyds financial planning for over 6 years. We donÂ’t feel like clients with Paul but more like personal friends.

What could they have done better?

Don't know at this time.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

Paul Lloyd fully understands my social and financial situation. Throughout our consultations he has understood, and carefully managed my anxieties about all things financial and risk avoidance. He has made wise investments allowing me to have an income. He has been most tolerant of my many questions and fully answered my queries without making me feel foolish. My personal financial expertise is very limited and it is reassring to have his expert guidance. He has made himself available at short notice when I have felt the need for advice.

What could they have done better?

I have no experience of how other financial advisers manage their practice , I have however noted how Paul Lloyd has the abililty to make one feel his most imprtant client. He offers a visiting consultation or an office based consultation which I think is a great asset. I understand he also does what one would normally consider '' out of hours'' visits to clients who work during the day. Mr Lloyd offers regular reviews, annually or more frequently if I have queries. With no experience of other financial advisers I am unable to draw comparisons or offer suggestions for what is the expert ,efficient service offered by Mr Lloyd.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

Paul Lloyd has been my financial advisor for over 12 years now and has provided me with an exemplary service throughout this time. His advice and support has been invaluable, particularly since I became widowed and needed his help more frequently. He is always there with great support and advice and I would have no hesitation in recommending him to anyone.

First impression from a user who is not yet a client

July, 2014

Overall

Please provide a brief comment about your experience with Paul

I have received no contact from the service provider.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

We were lucky enough to find Paul about three years ago, after experiencing several advisors who lacked competence, integrity and had a poor understanding of our needs. Paul has made dramatic improvements in our financial situation and therefore improved our retirement significantly. Indeed we cannot imagine dealing with our financial affairs without his enthusiastic and knowledgeable help.

Review from verified client

June, 2014

Overall

Advice

Service

Value

Based in Essex

How has Paul Lloyd helped you?

We originally contacted Paul Lloyd as we had accrued a large amount of cash, and needed advice about investment options. We were initially nervous about obtaining advice, as our previous experience with financial advisers seemed to be an exercise to sell products to generate their commission. We sat down with Paul and agreed a fee structure that gave us peace of mind that his recommendations were best suited and best timed for our requirements. Over the last year, Paul has provided tax advice, implemented a varied investment portfolio and helped raise funds for a buy-to-let portfolio as part of our future retirement plans. As a result of Paul being so thorough, and his financial ideas so creative, we also retained him as a strategic partner to our Limited company, which employs 20+ staff. To date, he has made the Auto enrolment process smooth and easy for us and our staff; he has provided due diligence regarding the directors SIPP and provides advice on an individual basis to our staff. We feel that Paul and his company are different from the "usual" financial advisers; his depth of knowledge, ability to see the big picture and manage the finer details, his genuine interest in us, and his passion and tenacity stand him apart. He has proved that he is there to fight our corner (evident with a particularly difficult mortgage provider) and he deals with the inevitable issues that arise on our behalf, providing solutions rather than coming to us with problems. We feel that our current and future, personal and business finances are in safe hands, allowing us to enjoy what we have worked hard for, and move our business forward in the knowledge that we have a clear strategy.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Paul Lloyd helped you?

I am nearing retirement age from teaching and Paul is using his skill in Financial Planning for my retirement. He gathered all my financial information and decided on the ‘package’ that would suit me. He visits me twice yearly and always answers my concerns. I have not compared him with others for value, but have found him honest and reliable. Over the six years that I have known Paul, he has constructed an appropriate strategy for my investments, with moderate risk and good returns. Paul’s major Assets are: - Quick responses to questions by phone/email, - Attention to detail and is highly organised, - Genuine interest in me, his client, as a person.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Surrey

How has Paul Lloyd helped you?

We met Paul 3 years ago just prior to my retirement and immediately found a rapport. His approach was what was best for us rather than what he could gain from us. Something refreshing compared to other financial advisors we had met. We have found him to be dependable with a sound knowledge of the financial markets. These he diligently researches in order to identify the most appropriate investments to match our needs. He is genuinely interested in us as people and not just as clients. We meet twice a year and he always has up to date detailed information on all of our investments. Where appropriate he makes recommendations as to any changes necessary to maximise return. He is quick to respond to queries by telephone, email or his web portal. The latter also gives access to up to date performance information on your investment accounts. We have no reservations in recommending Paul Lloyd to anyone. Major Assets - His knowledge of the investment market. - His attention to detail and willingness to explain his recommendations in detail and everyday language. - His genuine interest in us as people not just as clients. - His integrity.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in London

How has Paul Lloyd helped you?

I was first introduced to Paul Lloyd in 2001 and although I receive many approaches every year from other financial advisors I have not placed business elsewhere. I value his thorough investigation of the market and the fact that his advice is always based on what is best for me rather than commission considerations. We meet several times a year and in between meetings we talk and email each other as necessary. On several occasions he has suggested (even though this reduces his revenue) that alternative vehicles are used, as it would be more suitable and cost effective for my circumstances as my requirements have changed. He advises me on my personal financial affairs, my pension, my Charitable Foundation as well as the affairs of my PLC Company. I would have no reservations in recommending Mr Lloyd to anyone.

What could they have done better?

Nothing

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in Oxfordshire

How has Paul Lloyd helped you?

We are a mature, fairly financially astute couple (mid-to-late 60s) approaching full retirement, with a need to grow our ~£1m savings for our pensions and for the future benefit of our children and grandchildren. Over the ~15 years that we have known Paul, he has recognised our needs and risk profiles (in particular how these have changed over time and in response to various global financial crises), and constructed an appropriate investment strategy with moderate risk and healthy returns. He has been able to successfully modify the implementation of that strategy and change investment vehicles as necessary, so that we are now moving from growth to income as our personal circumstances change. Paul’s major assets are: - Instils confidence through his knowledge, dependability and his genuine interest in us as people as well as clients; - Diligence and detailed research in order to identify appropriate investments; - Attention to detail and willingness to explain his recommendations in as much detail as we request; - Quick to respond to questions by phone/email, and very willing to visit us 2-3 times per year; - Professional drive to always achieve the best for his clients.