I have known Ruban for 15 years and with his careful pension and tax planning, he has transformed my pension and investment plans for retirement. He knows his subject so well and is able to plan for each individual rather than the same for all of his clients. I can't praise him enough. He’s far exceeded what I expected. It has just been brilliant having Ruban there as a shepherd to my finances. I’m also very grateful to him for always responding so quickly to my contacts and being constantly pro-active in identifying ways of improving things. For example when tax rates and rules change, he identifies the best thing for me to do and arranges it for me. I genuinely sleep easier knowing my money is being looked after by him.