I thank you for your honesty and integrity throughout. You have been frank and not used the jargon that so often seems to come with a “hard sell.” When asked about fees, you told us what the cost would be. There was never any attempt to conceal any hidden charges. This has led us to trust your guidance and to seek to retain your services in the days ahead. You have explained to us what investments will be best suited to our circumstances. We are confident you will monitor our investments and ensure good management now and in the future.