Paul was happy to take time to explain and discuss our options and rather than telling us what we should

do he gave us the knowledge and information we needed to make our own decisions when fully appraised

of all the implications. He made sure we fully understood and that we were happy with our plan.

I first met Paul about 10 years ago when he was taking over from my previous advisor.At the time I part

owned & ran a small company and required various financial advise including pensions and savings.My

main long term objective was to be able to retire early and with Paul's help I have managed to achieve that

goal 9 months ago at the age of 57.What I like about Paul is that he is able to explain things in "plain"

English, give you options and talks through what you want to achieve.He continues to look after my

interests, SIPPS, ISA's & general investments and I have recommended him to family and friends.Peter
Chivers.

Ive been a client of Pauls for 8 years now and can highly recommend his services to anyone wanting to

take control of their finances today and security for the future.Paul takes the time to really get to know you,

whats important to you now and in the future, in order to build a strategy that really works to meet your

objectives. He explains things clearly and simply and ensures you fully understand everything thats

happening to meet those objectives. Through his regular reviews he ensures he understands not only how

things are progressing but whether your goals have adjusted, at which point hell work on how your

strategy might need to change too.Paul is a real pleasure to do business with. In addition to getting

results hes personable, authentic, accountable and down to earth. You dont need to look any further..

Paul Howarth has worked with our company for over 10 years, providing services in respect of pensions,

life assurance and investments. The services provided by Paul have always been of the highest quality, and

he has always taken time to explain fully all the various options available in a clear and concise manner,

and he has a dedication to customer care and has always provided excellent value for money. I am very

happy to commend his work, which has always been provided in a friendly yet very professional and

conscientious manner. He has recently advised on the restructuring of our Company pension scheme

and worked through the minefield of Auto-Enrolment, which, as a small business we valued greatly.

Because of the confidence I have in Paul, I have also entrusted my own personal pension and

investments with him and have seen steady growth over the last few years. I believe that going forward

Paul can continue to add benefit to both our business and personal financial decisions and can

recommend him without reservation."- David Barrett, Managing Director, Servis Filmsetting Ltd.

After meeting with Paul and discussing my existing saving plans he was able to simplify my holdings into a

more structured and streamlined account instead of across various platforms as was the existing case. I

have now been using Paul for all of my investments and financial planning for almost 10 years. The advice

has always been clearly explained and easily understood; this is particularly important for those of us not

working in the financial sector. The results have been very impressive whilst remaining in a structured

steady investment plan building for the future.

Ive been a client of Pauls for 8 years now and can highly recommend his services to anyone wanting to

take control of their finances today and security for the future.Paul takes the time to really get to know you,

whats important to you now and in the future, in order to build a strategy that really works to meet your

objectives. He explains things clearly and simply and ensures you fully understand everything thats

happening to meet those objectives. Through his regular reviews he ensures he understands not only how

things are progressing but whether your goals have adjusted, at which point hell work on how your

strategy might need to change too.Paul is a real pleasure to do business with. In addition to getting

results hes personable, authentic, accountable and down to earth. You dont need to look any further..

Deb - Owner Manager