Elizabeth approached me in 2013, having found my details online.

She had an investment bond which was formerly a good provider of income but had deteriorated and was now performing poorly.

I gave Elizabeth advice to reinvest into a broad tax-efficient ISA portfolio: some for regular income and some for capital growth to, for example, replace her car in the future.

Elizabeth has been delighted with the results and, indeed, changed her car this spring. And, she was so pleased with the advice that she introduced me to her brother who has been a client since 2015.