“My wife and I have had the pleasure of Gavin’s knowledge and security in advising us as to what is the best options for our continuous retirement in the coming years. His advice has given us a stress free lifestyle and a lot of security that we would otherwise have been concerned about. He has continually been patient in all his explanations and answering the many questions we have put him regarding our investments and costs. We have absolutely no hesitation in recommending Gavin to other potential clients. Norman & Julie 2230”