I cannot recommend John enough, from start to finish his service was exemplary. His knowledge is outstanding and he takes his time to explain all available options to enable you to make the decision that is best for you. He gives regular updates and works hard to achieve the best outcome for your individual circumstances no matter how complex they may be. We felt totally at ease with John which is important when discussing personal details. He is friendly and also has a great sense of humour. I cannot thank him enough for the results he achieved for us. I will definitely use John again and have recommended him to family and friends.