AUTHOR, SPEAKER & AWARD WINNING WEALTH MANAGER

An independent private office providing financial advice, investment management & tax efficient estate succession solutions

Helped 323 clients over the last 21 years
4.7/5
martin wilcocks

As featured in

Avoiding 3 common mistakes that see many people run out of money, pay thousands in unnecessary fees and leave no legacy for heirs

Key Strategies to Preserve Wealth and Ensure Financial Security for Future Generations

Fixed Income Syndrome

Allocating too much of pensions and other investments to fixed-income bonds and gilts, could limit potential growth and result in your funds failing to keep pace with inflation, eroding purchasing power

Active Management Drag

Advisers who deploy actively managed investments or funds may jeopardise your goals, as they incur higher management fees and trading costs, and mostly underperform passive alternatives

Fat Cat Excess

Using an adviser affiliated with a financial network might result in excessive fees covering the cost of layered management and flagship offices, diminishing your investment returns over time

Latest UK Investment Stats

Explore the latest key figures within the UK investment landscape. These statistics provide valuable insights into market trends and the investment challenges we highlight, helping you make informed decisions.

Held in Pensions, ISAs &
General Investment Portfolios
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Fixed income syndrome
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Active management drag
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Fat cat excess
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A lifetime financial partner

Martin Wilcocks is an esteemed adviser and bestselling author with over three decades in banking and wealth management. Recognised by publications such as The Times, The Telegraph, and The Mail on Sunday, Martin ranks among the elite tier of advisers in the UK. Our office specialises in working with men and women, approaching or transitioning into retirement, who find themselves in one, or more, of the following situations:

  • Overweight in fixed-income corporate bond or gilt investments, or both
  • Have an investment portfolio managed by a fund picker, or stock​broker
  • Supported by an adviser operating within ​an expensive financial network

If that’s you, we can likely transform your financial position and help you achieve your retirement goals. However, if you prefer the big glossy private banks, investment houses and financial networks, our services will not be the right fit for you. Our focus is on providing highly personalised planning and evidence-based investment strategies that prioritise your financial well-being, over flashy branding, high fees and invitations to events, lunches and golf days – that you cover the cost of, through the fees you pay.

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The Solution

EVEST™
Evidence Based Investment

Fees: 2% on new capital & 1% per annum

Leveraging Nobel prize-winning research, EVEST™ delivers an investment solution utilising institutional-grade funds typically unavailable to retail investors

Proven Investment Strategies with a Solid Track Record

Leveraging Award-Winning Insights for Optimal Returns

Access Investment Funds typically unavailable to retail investors

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MARK FOSTER

MANAGING PARTNER, FOSTERS LAWYERS
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PHIL O’NEILL

WIRRAL
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DR NAVAID ALAM

WIRRAL
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DR RICHARD AZURDIA

WIRRAL
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HUGH MCAULEY

RETIRED PROFESSIONAL FOOTBALLER
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ROY JOHNSON

PROFESSIONAL GOLFER, WIRRAL
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MARY ELSON

HIGHER PENLEY
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NIGEL LACEY

STOURBRIDGE
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JON MCHALE

DIRECTOR, TAG SCAFFOLDING LTD
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JAMES QUILTY

MANAGING DIRECTOR, KELSALL SERVICES LTD & DJ JAYQ
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FRANK BRENNAN

DIRECTOR, SAFETY LANE LTD

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Exclusive: By Invitation Only

Due to overwhelming demand, we have paused new client onboarding and now operate on an invitation-only basis. This exclusive approach ensures that we maintain the highest quality of service and personalised attention for our esteemed clients.

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Team work makes the dream work

Collaborative Efforts for Superior Outcomes

Mary Wilcocks

Executive Assistant

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Martin Wilcocks

Wealth Manager

Tahnee Macfarlane

Office Manager

Invest online with Wilcocks & Wilcocks

Whilst the onboarding of new client relationships has been paused, we have provided access to EVEST™ through our direct investment portal, allowing you to invest in our institutional-grade investment model online. Our initial advice is free, entirely online, and anonymous. You can fast-track your way to a bespoke relationship by starting today with either a lump sum or a monthly contribution into an ISA or General Investment Account. Click through to get started

The benefits are just a few steps away

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Bespoke Advisory Relationship
Choose from three levels of Martins flagship direct 121 advice service

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Invest Directly Online

Tap into the evidence based investment strategy available as part of our full advised service

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Access Bulletproof Retirement

My book for financial, investment and estate planning tips, guidance and non advised advice

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Hear what our Clients have to say

Our clients’ reflect real people, achieving real results, through real solutions…

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“Martin is the consummate professional who has always delivered for myself and my business partner Joe Dwek CBE.”

ROY KENNY
MANAGING DIRECTOR, VVHC LTD
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ROY KENNY
MANAGING DIRECTOR, VVHC LTD
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“Martin is the consummate professional who has always delivered for myself and my business partner Joe Dwek CBE.”

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“He provided very good advice on how to fund our pensions through the company to save Corporation Tax.”

ADAM MULLIN
MANAGING DIRECTOR, SIS LTD
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ADAM MULLIN
MANAGING DIRECTOR, SIS LTD
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“He provided very good advice on how to fund our pensions through the company to save Corporation Tax.”

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“Martin is a breath of fresh air, explains things properly and his advice has been first class.”

ROSS BAIGENT
FOUNDER & DIRECTOR, CATACLEAN GLOBAL LTD
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ROSS BAIGENT
FOUNDER & DIRECTOR, CATACLEAN GLOBAL LTD
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“Martin is a breath of fresh air, explains things properly and his advice has been first class.”

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“We insured our shareholdings, and through a trust it allows the four of us to buy back each other’s shares on death, or illness, which is very important for the company to keep control, but also for our families, who receive the value of each shareholding as a lump sum.”

STEVE DUNN
MANAGING DIRECTOR, BESPOKE FURNITURE CHESHIRE LTD
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STEVE DUNN
MANAGING DIRECTOR, BESPOKE FURNITURE CHESHIRE LTD
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“We insured our shareholdings, and through a trust it allows the four of us to buy back each other’s shares on death, or illness, which is very important for the company to keep control, but also for our families, who receive the value of each shareholding as a lump sum.”

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“We know exactly how much money we need to build within our financial and retirement plan to achieve our future income goals.”

COLLIN DORAN
MANAGING PARTNER, SOLUTIONS IN SERVICE LTD
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COLLIN DORAN
MANAGING PARTNER, SOLUTIONS IN SERVICE LTD
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“We know exactly how much money we need to build within our financial and retirement plan to achieve our future income goals.”

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“We consolidated a batch of old pensions that I had built up over the years. Alongside that, if I was to be seriously ill the business profit would drop so we arranged key man insurance for 2 years profit if the worst happens. Working with Martin has been a great move for us.”

JEFF ARNOLD
DIRECTOR, TAG SCAFFOLDING
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JEFF ARNOLD
DIRECTOR, TAG SCAFFOLDING
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“We consolidated a batch of old pensions that I had built up over the years. Alongside that, if I was to be seriously ill the business profit would drop so we arranged key man insurance for 2 years profit if the worst happens. Working with Martin has been a great move for us.”

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“Martin tidied up and consolidated 5 old pensions and I now understand where they invest, what I pay in charges and how much they will provide in retirement. I can’t recommend him highly enough.”

CHRIS MOSS
MANAGING DIRECTOR, INTASHELL LTD
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CHRIS MOSS
MANAGING DIRECTOR, INTASHELL LTD
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“Martin tidied up and consolidated 5 old pensions and I now understand where they invest, what I pay in charges and how much they will provide in retirement. I can’t recommend him highly enough.”

smiling couple

“He handles our investments and pensions. We are very happy and value Martin’s advice which has also more recently involved us making a will and business trust and in also appointing powers of attorney.”

BALAZS & KATE HORVATH
OWNERS & DIRECTORS, ASSOCIATED PRIVATE MEDICAL & DENTAL CLINICS LTD
smiling couple
BALAZS & KATE HORVATH
OWNERS & DIRECTORS, ASSOCIATED PRIVATE MEDICAL & DENTAL CLINICS LTD
smiling couple

“He handles our investments and pensions. We are very happy and value Martin’s advice which has also more recently involved us making a will and business trust and in also appointing powers of attorney.”

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“Martin arranged the finance I needed to buy the White Lion Pub – the last free house on the Wirral. It had always been in my plan but due to banks not funding pubs I was stuck and Martin sorted it.”

ANDY COCKRAM
PROUD OWNER, THE WHITE LION
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ANDY COCKRAM
PROUD OWNER, THE WHITE LION
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“Martin arranged the finance I needed to buy the White Lion Pub – the last free house on the Wirral. It had always been in my plan but due to banks not funding pubs I was stuck and Martin sorted it.”

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“Martin gave me sound and simple investment advice that made sense and within my financial plan we have also worked out when I can retire and buy my sailing boat.”

STEPHEN LACEY
LOUGHBOROUGH
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STEPHEN LACEY
LOUGHBOROUGH
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“Martin gave me sound and simple investment advice that made sense and within my financial plan we have also worked out when I can retire and buy my sailing boat.”

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“Martin has spent time with the children so they understand our retirement financial plan. He has been a big help to our family in general.”

HELEN LACEY
STOURBRIDGE
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HELEN LACEY
STOURBRIDGE
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“Martin has spent time with the children so they understand our retirement financial plan. He has been a big help to our family in general.”

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“Every client we have passed to Martin has been very happy. It’s not easy to find a good Financial Adviser and I think Martin has proved time and again he is one of the good guys.”

BEN EDWARDS
SENIOR TAX MANAGER, AFFORD BOND ACCOUNTANTS LTD
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BEN EDWARDS
SENIOR TAX MANAGER, AFFORD BOND ACCOUNTANTS LTD
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“Every client we have passed to Martin has been very happy. It’s not easy to find a good Financial Adviser and I think Martin has proved time and again he is one of the good guys.”

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“I was looking to work with a trustworthy and knowledgeable Financial Advisor, capable of dealing with our clients. Martin ticks the boxes on both counts, coupled with a high degree of professionalism and integrity.”

PAUL WHITE
MANAGING DIRECTOR, APH ACCOUNTANTS LTD
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PAUL WHITE
MANAGING DIRECTOR, APH ACCOUNTANTS LTD
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“I was looking to work with a trustworthy and knowledgeable Financial Advisor, capable of dealing with our clients. Martin ticks the boxes on both counts, coupled with a high degree of professionalism and integrity.”

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“Martin is a competent financial adviser who stands out from the crowd.”

MICHAEL COLLINS
DIRECTOR, NAAP ACCOUNTANTS LTD
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MICHAEL COLLINS
DIRECTOR, NAAP ACCOUNTANTS LTD
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“Martin is a competent financial adviser who stands out from the crowd.”

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“Martin is exceptionally accurate in everything that he says and does, I cannot find fault with his advice and I trust him absolutely in his judgement.”

ANDREW THOMPSON FCA
CHARTERED ACCOUNTANT, KENILWORTH ASSOCIATES
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ANDREW THOMPSON FCA
CHARTERED ACCOUNTANT, KENILWORTH ASSOCIATES
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“Martin is exceptionally accurate in everything that he says and does, I cannot find fault with his advice and I trust him absolutely in his judgement.”

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“We couldn’t thank Martin enough for his time and the fact that he took personal ownership and pride in making sure we were happy with the pension and investment strategy.”

JON TAYLOR
BRABNERS SOLICITORS, LIVERPOOL
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JON TAYLOR
BRABNERS SOLICITORS, LIVERPOOL
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“We couldn’t thank Martin enough for his time and the fact that he took personal ownership and pride in making sure we were happy with the pension and investment strategy.”

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“I took investment and pension advice from Martin. By working out my risk tolerances and setting up my investments he delivered a sound portfolio that I am confident with.”

DAVID TOURNAFOND
BERMANS SOLICITORS, LIVERPOOL
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DAVID TOURNAFOND
BERMANS SOLICITORS, LIVERPOOL
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“I took investment and pension advice from Martin. By working out my risk tolerances and setting up my investments he delivered a sound portfolio that I am confident with.”

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“In handling our retirement plans, Martin explained how the world of money works and provided a hitherto unknown level of transparency.”

DAVID & ROSEMARY OWEN
OXTON
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DAVID & ROSEMARY OWEN
OXTON
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“In handling our retirement plans, Martin explained how the world of money works and provided a hitherto unknown level of transparency.”

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“Martin gave me a very clear understanding of how he would transfer my pension and how it would be invested.”

DAMEON HULSE
SANDBACH
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DAMEON HULSE
SANDBACH
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“Martin gave me a very clear understanding of how he would transfer my pension and how it would be invested.”

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“He invested for me and I’m very satisfied with his advice and management of my portfolio. I am very impressed with Martin and his dedication to his job. Well done. Keep up the good work.”

ROSEMARY COLCHESTER
NORTHWICH, CHESHIRE
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ROSEMARY COLCHESTER
NORTHWICH, CHESHIRE
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“He invested for me and I’m very satisfied with his advice and management of my portfolio. I am very impressed with Martin and his dedication to his job. Well done. Keep up the good work.”

“He explained his pension plan in full detail and went over every step that he would be taking to move across and manage my funds. I am very happy with Martin.”

SHERYL MOSS
LIVERPOOL
SHERYL MOSS
LIVERPOOL

“He explained his pension plan in full detail and went over every step that he would be taking to move across and manage my funds. I am very happy with Martin.”

stephen-linden

“Martin is direct and gives you the facts as he sees them. He didn’t try to sway me to pick something with which I would have been uncomfortable.”

STEPHEN LINDEN & CATHY HOOD
LIVERPOOL
stephen-linden
STEPHEN LINDEN & CATHY HOOD
LIVERPOOL
stephen-linden

“Martin is direct and gives you the facts as he sees them. He didn’t try to sway me to pick something with which I would have been uncomfortable.”

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“I took early retirement and wanted two pensions and an ISA amalgamated in a way that would fund my retirement. With Martin on board, we don’t see any problems achieving what we are aiming for.”

DAVE & ANN MCCANN
LIVERPOOL
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DAVE & ANN MCCANN
LIVERPOOL
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“I took early retirement and wanted two pensions and an ISA amalgamated in a way that would fund my retirement. With Martin on board, we don’t see any problems achieving what we are aiming for.”

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“He provided peace of mind around retirement and our future income and everything was explained in a constructive manner, which included any possible downturns. Thank you for the advice its great to be on board.”

DAVE & LYNN MORRIS
LIVERPOOL
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DAVE & LYNN MORRIS
LIVERPOOL
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“He provided peace of mind around retirement and our future income and everything was explained in a constructive manner, which included any possible downturns. Thank you for the advice its great to be on board.”

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“Since the day we had our first meeting with Martin he has demonstrated a personal and proactive approach. Hopefully, we are at the beginning of a very long and successful relationship with Martin and the team.”

ANDY & ANGELA PERRY
LIVERPOOL
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ANDY & ANGELA PERRY
LIVERPOOL
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“Since the day we had our first meeting with Martin he has demonstrated a personal and proactive approach. Hopefully, we are at the beginning of a very long and successful relationship with Martin and the team.”

ian cooke mcguinness

My pension is in good hands and over the years I can say without any doubt that Martin is the best financial adviser I've come across.

Ian Cooke-McGuinness
ian cooke mcguinness
Ian Cooke-McGuinness
ian cooke mcguinness

My pension is in good hands and over the years I can say without any doubt that Martin is the best financial adviser I've come across.

SOPHIEGREEN

When I first approached Martin I had a very limited understanding of savings and investments. He provided clarity, assurance and a clear plan to allow me to save and invest on terms that I felt comfortable with. The ongoing administrative support from Mary has been exceptional, she provides very quick replies to any queries I have, and she leaves me assured that my investments are in good hands. I highly recommend Wilcocks & Wilcocks for anyone looking for sound financial planning and advice.

Sophie Aysha Green
Soka Studio Limited
SOPHIEGREEN
Sophie Aysha Green
Soka Studio Limited
SOPHIEGREEN

When I first approached Martin I had a very limited understanding of savings and investments. He provided clarity, assurance and a clear plan to allow me to save and invest on terms that I felt comfortable with. The ongoing administrative support from Mary has been exceptional, she provides very quick replies to any queries I have, and she leaves me assured that my investments are in good hands. I highly recommend Wilcocks & Wilcocks for anyone looking for sound financial planning and advice.

Jim McCann

I had too much of my pension sat in fixed income, not doing that much, and Martin reversed the strategy applying more stocks. I was initially a bit nervous but the evidence I was shown gave me confidence and all being well we will see a boosted return over the years.

James McCann
Jim McCann
James McCann
Jim McCann

I had too much of my pension sat in fixed income, not doing that much, and Martin reversed the strategy applying more stocks. I was initially a bit nervous but the evidence I was shown gave me confidence and all being well we will see a boosted return over the years.

As a long term client of Wilcocks and Wilcocks, as usual they have been great and seen me through a difficut time. Always at the end of the phone if I have needed them, and always explain things in a way that I can understand. Would highly recommend.

Jill McCrorie
Jill McCrorie

As a long term client of Wilcocks and Wilcocks, as usual they have been great and seen me through a difficut time. Always at the end of the phone if I have needed them, and always explain things in a way that I can understand. Would highly recommend.

John and Jeanette Woodward

He helped me make sense of my pensions, put them all in one place and on the back of it arranged wills and a family trust to look after our two sons when we have gone".

John & Jeanette Woodward
John and Jeanette Woodward
John & Jeanette Woodward
John and Jeanette Woodward

He helped me make sense of my pensions, put them all in one place and on the back of it arranged wills and a family trust to look after our two sons when we have gone".

JON MCHALE

We were in limbo with no financial plan and then we met Martin and everything changed. We have our pensions sorted, wills in place and everything is in place that we need to secure our future.

JON MCHALE
DIRECTOR, TAG INDUSTRIAL SCAFFOLDING LIMITED
JON MCHALE
JON MCHALE
DIRECTOR, TAG INDUSTRIAL SCAFFOLDING LIMITED
JON MCHALE

We were in limbo with no financial plan and then we met Martin and everything changed. We have our pensions sorted, wills in place and everything is in place that we need to secure our future.

nigel lacey

Helen and I would like to thank Martin for the advice around our retirement and financial plans and as far as his investment solution is concerned it was a no-brainer.

NIGEL LACEY
STOURBRIDGE
nigel lacey
NIGEL LACEY
STOURBRIDGE
nigel lacey

Helen and I would like to thank Martin for the advice around our retirement and financial plans and as far as his investment solution is concerned it was a no-brainer.

mark-foster

Prior to meeting Martin Wilcocks, I had very little faith in financial advisers due to previous experiences. Martin is honest and transparent and he has restored my faith.

MARK FOSTER
MANAGING PARTNER, FOSTERS LAWYERS
mark-foster
MARK FOSTER
MANAGING PARTNER, FOSTERS LAWYERS
mark-foster

Prior to meeting Martin Wilcocks, I had very little faith in financial advisers due to previous experiences. Martin is honest and transparent and he has restored my faith.

matthew-hyam

A very knowledgeable, approachable and likeable professional. I would recommend to anyone looking for financial advice.

MATTHEW HYAM
PARTNER, BERRYMANS LACE MAWER (BLM LAW)
matthew-hyam
MATTHEW HYAM
PARTNER, BERRYMANS LACE MAWER (BLM LAW)
matthew-hyam

A very knowledgeable, approachable and likeable professional. I would recommend to anyone looking for financial advice.

PHIL O NEIL

His advice has been excellent and he is always there for us if we ever need him.

PHIL O’NEILL
WIRRAL
PHIL O NEIL
PHIL O’NEILL
WIRRAL
PHIL O NEIL

His advice has been excellent and he is always there for us if we ever need him.

Mary Elson New Picture

I felt confident that my finances were in good hands and that Martin and Rob would help with any worries I might have, which indeed they have.

MARY ELSON
HIGHER PENLEY
Mary Elson New Picture
MARY ELSON
HIGHER PENLEY
Mary Elson New Picture

I felt confident that my finances were in good hands and that Martin and Rob would help with any worries I might have, which indeed they have.

DR NAVAID ALAM

Martin manages my pension and retirement plan and I am very happy with the good work he is doing.

DR NAVAID ALAM
WIRRAL
DR NAVAID ALAM
DR NAVAID ALAM
WIRRAL
DR NAVAID ALAM

Martin manages my pension and retirement plan and I am very happy with the good work he is doing.

DR RICHARD AZURDIA

I found Martin to be competent and professional.

DR RICHARD AZURDIA
WIRRAL
DR RICHARD AZURDIA
DR RICHARD AZURDIA
WIRRAL
DR RICHARD AZURDIA

I found Martin to be competent and professional.

Roy-Johnson

I've known Martin Wilcocks for years and years, he knows his stuff and is a really great guy to work with.

ROY JOHNSON
PROFESSIONAL GOLFER, WIRRAL
Roy-Johnson
ROY JOHNSON
PROFESSIONAL GOLFER, WIRRAL
Roy-Johnson

I've known Martin Wilcocks for years and years, he knows his stuff and is a really great guy to work with.

elaine cooper

Excellent service from the team.

Elaine Cooper
Rainhill
elaine cooper
Elaine Cooper
Rainhill
elaine cooper

Excellent service from the team.

Featured Client Stories

liam-james-collins
Liam Collins
ACTOR, ENTREPRENEUR & FOUNDER OF THE COACHING MASTERS, LONDON
liam-james-collins

I had been speaking with a number of people on ways to invest in value stocks that had lots of headway for growth but I was being encouraged to make it my full time gig to understand how to value companies, invest into them and then monitor them, and I wasn’t sure I had the time orinclination. I found Martin and straight away what he was saying made complete sense to me. Instead of trying to work out which value companies where the ones to watch he showed me how buying all of them within his fund did the job and banked the returns I was looking for. We also got into investing in smaller companies and I now have a portfolio that invests using tons of evidence. It feels right and makes sense to me. He started to dig deeper by talking about life in general and he was really interested in what I was looking to achieve in the wider sense and the penny soon started to drop that having him as my wingman was going to be really useful.

steve-austin
Steve Austin
RETIRED ELECTRICAL ENGINEER & SYSTEMS ARCHITECT, CHESHIRE
steve-austin

Having recognised I needed the help of an independent financial advisor, I set about a comprehensive search of who I believed I could work with, and who could provide the knowledge and guidance I needed. This search eventually led me to choose Martin Wilcocks at Wilcocks & Wilcocks. Following an initial meeting at their offices in Liverpool, I probably became one of Martin’s hardest challenges to win over, due to having several complex pension issues. Martin quickly provided an outline plan on how he saw best to resolve my situation. I was able to challenge and test Martin throughout this process to ensure I had the best solution possible. One of my other reasons for choosing Martin was that it's a family run business. When utilised effectively, I believe the power of a family working together to meet individual customers' specific needs, cannot be beaten and this has been proven to be the case thus far. To date they have exceeded my expectations, both with their service, as well as meeting the financial returns I expected, which in these uncertain times is not an easy task. My decision to go with them has proven to be the right one, and I look forward to working with the family throughout my retirement years.

phil-myles
Phil Myles
CHIEF OPERATING OFFICER, MENARD VIBRO
phil-myles

I’m based in the The UAE and UK and I was sitting with money in the bank earning nothing and some shares that I'd been building for a few years. I had met advisors in The UAE but investing there isn’t easy and doesn’t feel comfortable. I did some searching across the internet in the UK and I came across Martin through positive reviews online. I contacted him and some other advisors and he was very active and involved from the first contact and I soon decided this was the person I should speak to. We had a couple of video calls and I went to meet him on one of my trips back and felt very comfortable with some straightforward advice and explanations, no big claims of what could be achieved and a flexible approach. I’m very satisfied with Martin’s personal touch and the support from his wife and sister, gives a positive family feeling to the set up which is very professionally run. Pleasingly, they even carry that through to how my account is set up so I can set something aside for my daughters under the same umbrella. I have no hesitation in recommending Martin and his team.

betty
Betty Andrews
RETIRED FINANCE DIRECTOR, ESSEX
betty

I read your book and it is likely the most important book I've read in years. I'm close to retirement in Financial Services, and all the niggling doubts I've been having for some time about pensions you are proving right! It's given me so much clarity and I know exactly what I need to complete my plan. It will be a complete game changer for me and my husband and I'm going to recommend to all my family and friends as they can't afford not to read it! It's been a few months since John and I moved our pensions over to you, and I just wanted to say how happy we are with the change. You and Mary have taken great care to collate all the information from our previous pension providers, and made clear recommendations so we had all the information we needed to make informed decisions. We now have peace of mind knowing that our funds are invested wisely. The platform gives both up to date and historic performance at the touch of a button, and great to be able to access this at any time.

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Simon O'Hara
RETIRED OPERATIONS DIRECTOR, CHESHIRE
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Coming from the point of view as a pension investor, I found myself very out of love with my previous provider. Poor returns, non existent communication, faceless large platform and so on. A couple of years ago I set out on a mission to find “the best out there”. So I met with a large number of financial advisors, some large scale, some smaller. Eventually I had the pleasure of meeting up with Martin Wilcocks. It was very soon into our conversation that I knew I could trust Martin due to his open book transparency and I would say sincerity too. Trust for me is everything! And I do trust Martin. Taking a realistic stance on returns, I have to say compared with previous arrangements, I have been pleased. I remain grateful to Martin for his ongoing support and investment opportunity.