(v) We take a considered and practical  approach to planning for one’s  financial affairs to be sound and  balanced in the future.  And it is undoubtedly the case that  the sooner one start’s the less  painful it shall be.  Saving for retirement over forty years  is clearly a less onerous prospect than  saving for retirement over four.  We can guide a client on which is the  passage of of least troubled water.
3. Pensions
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