The real beauty of having Jim as my adviser is ‘peace of mind’. He worries about my finances more than me. This is his area - he does all the research and spends a lot of time looking at the whole market for me. I’d never know all that stuff that’s his area of expertise not mine - and to be honest I don’t want it to be. He made sure I saved a lot more than I would have on my own. My pension has ended up being way bigger than anything I would have dreamt of. I wouldn't have done it anywhere near as well. I don’t know the ins and outs like Jim does….. I trust Jim completely – he knows and understands my situation perfectly… He’s not all about commission – he says “It has to be right.