Tom Morgan

What were the circumstances that caused you to initially look for an adviser?

We enquired general advice on pension planning, tax efficient investments and property mortgages.

How has Tom Morgan helped you?

Tom helped us consolidate a number of pension arrangements into one SIPP and produce a financial plan for our retirement

Have you seen the outcome you were hoping for?

The original financial plan was an eye opener. Both of us have now been retired for 5+ years and so far we are happy with the outcome.

What were the circumstances that caused you to initially look for an adviser?

To ensure that my finances were being very well looked after on a regular basis by a company and individual who was passionate about ensuring the very best outcomes for individuals.

How has Tom Morgan helped you?

Tom keeps his business right up to date, ahead of the game and has indeed become a financial advisor who is very much in demand. He listens to people and understands that every person has different life requirements that alter as life marches on. As a result, Tom has given me such a good understanding of how my finances will last and also has encouraged me to enjoy my money too! He has put aside important sums of money to enjoy holidays with, and other areas of importance too, such as money for a car and housing expenses.

Have you seen the outcome you were hoping for?

I am very happy with the outcome so far!

What could they have done better?

Nothing I don't think!

What were the circumstances that caused you to initially look for an adviser?

I was gifted some money and wanted to know what was best to do with it

How has Tom Morgan helped you?

Being very patient and explaining things thoroughly. Nothing was too much trouble

Have you seen the outcome you were hoping for?

It's only just been set up

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I needed advice on a private pension.

How has Tom Morgan helped you?

Tom has helped with retirement planning and my finances moving forward

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing ,I am happy with the advice given

What were the circumstances that caused you to initially look for an adviser?

We have been a client of Tom's for a number of years. We needed advice on pensions and investment

How has Tom Morgan helped you?

Tom has planned for our retirement and for our later years

Have you seen the outcome you were hoping for?

Yes we were able to retire early and things are looking good going forward

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Putting all our investments together.

How has Tom Morgan helped you?

Explained every step clearly.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

We wanted to have all our separate arrangements under one umbrella

How has Tom Morgan helped you?

Tom has been magnificent. His knowledge and expertise have really helped us with our decision making.

Have you seen the outcome you were hoping for?

The outcomes have far exceeded our expectations.

What could they have done better?

Tom could have walked the dogs for us while we were on holiday! I jest, no improvement neecessary.

What were the circumstances that caused you to initially look for an adviser?

Retirement looming

How has Tom Morgan helped you?

Tom was very patient and thorough. Obviously people seek help because financial planning is so specialised, Tom walked us through all the options, benefits and pitfalls in a clear and understandable manner. He answered every question we had with patience and clarity. He was always available for us to call or email and this was a great help because you can always think of that one thing “ I should have asked!”

Have you seen the outcome you were hoping for?

Absolutely. My wife and myself can now relax knowing that Tom has his eye on the ball and has a clear understanding of what we want to achieve in our retirement, a huge weight off our shoulders.

What could they have done better?

In all honesty, nothing. The experience with Tom exceeded our expectations. We were filled with trepidation to start with as we had no idea of our many options, but this very quickly subsided as we realised we had made the right choice with Tom.

What were the circumstances that caused you to initially look for an adviser?

We have been clients of Toms for several years and have followed him from his previous company.

How has Tom Morgan helped you?

He has advised us regarding ongoing income and investments as well as pension advice

Have you seen the outcome you were hoping for?

Yes money available when we need it and a good return .

What could they have done better?

Nothing always available when needed

What were the circumstances that caused you to initially look for an adviser?

Changes in my career and turning 50 prompted me to (finally) take a look at the status of my pension pots and what I needed to do longer term to secure a reasonable and comfortable income in the later years of my career as well as retirement itself. It was all a complete mine field to me and I had put the conversation off as I found talking and understanding pensions quite overwhelming.

How has Tom Morgan helped you?

From the very first conversation with Tom he has been able to "simplify" conversations around pensions and general financial planning. His easy manner and ability to ask me questions in a way I understand and feel comfortable with, has meant our discussions has prompted me to think differently about how I approach retirement and my whole relationship with financial investment. He is a very positive and grounded person who really gets me and my motivations which in turn, has given me the confidence that he is truly focused on making my investments work as hard as they possibly can. I love the modelling tool that Tom has developed which helps me visualise what the future could (and hopefully will) look like.

Have you seen the outcome you were hoping for?

I have been pleased that Tom has challenged and positively advocated moves where he feels they are necessary. My circumstances have changed since I started working with Tom and I have been impressed with how flexible he is in how our planning conversations have had to change and how open he is to "what needs to happen" versus "what can realistically happen". I always feel positive at the end of every call we have.

What could they have done better?

Nothing at the moment. I feel Tom is always there for me when I need him.

What were the circumstances that caused you to initially look for an adviser?

Had a very poor experience in France. needed some advice as to what to do. Tom talked to me over a long period of time before we made a move. No pressure.

How has Tom Morgan helped you?

On coming back to the UK Tom really helped be regain confidence in human nature. He worked with me and restored my confidence in some people are not only out for gain and trust cannot have a price.

Have you seen the outcome you were hoping for?

Yes I feel financially secure and Tom has gouided me all the way, working on my behalf.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Tom was recommended to me following issues with previous financial advice.

How has Tom Morgan helped you?

Tom doesn't use jargon and is tuned into my specific retirement and pre retirement needs.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

What were the circumstances that caused you to initially look for an adviser?

I transferred out of a company pension scheme in 2017 looking for some options where I had more control.

How has Tom Morgan helped you?

Tom was quick to provide good advice on where to move my pension pot. He was very responsive to all my questions (and patient). He was very good at looking at life in the the round, matching retirement ambitions and expectations to the funds available. His communication is always punctual and accurate. Since he has gone independent I have made a further pension move on the basis of his advice. He has been very thorough in providing pension predictions for differing circumstances in the financial markets.

Have you seen the outcome you were hoping for?

Having not yet retired it's too early to say. From 2017 until the Covid epidemic my pension pot grew rather faster than had I left it with my previous employer. It has recovered since, and I have no reason to believe it will not do well in the future.

What could they have done better?

Not a lot really.

What were the circumstances that caused you to initially look for an adviser?

Advice on savings

How has Tom Morgan helped you?

Giving good advice

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Needed advice on savings

How has Tom Morgan helped you?

All the advice he has given has been extremely helpful

Have you seen the outcome you were hoping for?

Certainly so farNothing at all.

What were the circumstances that caused you to initially look for an adviser?

Making the right financial decisions without some kind of real life help is almost impossible. There are just too many options and the interwebs tells you that they are all the very best, and at the same time the very worst. This was what led me to seeking the advice of a real life pro.

How has Tom Morgan helped you?

Tom has been a phenomenal help to me, he has helped to simplify all billions of options into the few that will really benefit me and my family in the long term. Translating all the jargon into English that even I can understand and making any transition processes seem less are just a few of the ways he has helped, I would tell you them all but there is a character limi

Have you seen the outcome you were hoping for?

Absolutely yes.

What could they have done better?

Apart from bringing donuts to our annual review I can’t think of any further improvements. I do love a donut…. Tom, if you are reading this, custard ones.

What were the circumstances that caused you to initially look for an adviser?

I was in business

How has Tom Morgan helped you?

He has channeled my earnings into tax efficient growth policies

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Pension advice required

How has Tom Morgan helped you?

Consolidated pensions into a single SIPP

Have you seen the outcome you were hoping for?

Yes

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

Producing long term cash flow to help manage spending.

What were the circumstances that caused you to initially look for an adviser?

I had had a really bad experience with DeVere, leading me to having lost substantial sums in investments due to mismanagement.

How has Tom Morgan helped you?

Clear solid advice without any pressure from himself to make decisions.

Have you seen the outcome you were hoping for?

Although the last year has been difficult in investment terms I know that he long game will bear fruit.

What could they have done better?

Not try to offer a cashback product, which I think does nothing for the reputation of TP, although this is not attrituable to Tom in any way shape or form.

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

Getting investments to a tax free status.

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

He has been patient and helpful in mentoring me financially and in working on line. When I’ve needed to contact him he has responded promptly.

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

Kept me abreast of effects of rising interest rates

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

Tom has helped us recently with our retirement plans, including managing changes to a trust fund with multiple beneficiaries, advice on our property investments and also how to handle some potential inheritance.

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

Thomas has continued to provide excellent advice with regard to pension income and savings so that I can ensure I have an enjoyable retirement. He takes the time to explain everything fully and I have every confidence in him.

This review is a follow-up review from a client who left a review previously.

How has Tom Morgan helped you since your last review?

Tom has continued to monitor our investments and pension pots and helped with dealing with a pension provider when they stopped paying our income.

What were the circumstances that caused you to initially look for an adviser?

I was retiring and due to receive a work pension and lump sum. I wanted advice on how best to use this money and savings to ensure a long and enjoyable retirement.

How has Tom Morgan helped you?

He helped me to decide what money I would need annually for what I wanted to do and how best to achieve this.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

We wanted to ensure we had the best savings and investment opportunities available to us.

How has Tom Morgan helped you?

He's helped us obtain products that best suit our needs and requirements.

Have you seen the outcome you were hoping for?

Due to turbulent market conditions not yet, but we have full confidence we will when markets stabalise and improve.

What could they have done better?

n/a

What were the circumstances that caused you to initially look for an adviser?

Forward planning

How has Tom Morgan helped you?

Giving us solutions and answer to our questions

Have you seen the outcome you were hoping for?

Work in progress

What could they have done better?

Totally satisfied, nothing to add

What were the circumstances that caused you to initially look for an adviser?

Having inherited some money, I was very keen to make sure that it was well looked after.

How has Tom Morgan helped you?

Thomas has always ensured that he has given me the most up to date and relevant information and guidance in respect of my investments. He is such a lovely , trustworthy person and so extremely well informed and helpful.

Have you seen the outcome you were hoping for?

All that was possible under current circumstances has been acted on

What were the circumstances that caused you to initially look for an adviser?

Pension was not working well

How has Tom Morgan helped you?

Gave me good advice about what to do with my pension

Have you seen the outcome you were hoping for?

No

What could they have done better?

Not sure, with all the trouble with Covid and Ukraine it’s been difficult to say what could they have done better

What were the circumstances that caused you to initially look for an adviser?

To try and get my money to do more for me and put something away for a rainy day

How has Tom Morgan helped you?

He explained the current market and outlined my options in a non pushy manner

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Last financial advisor was very difficult to get get information from.

How has Tom Morgan helped you?

Advise on inheritance tax.

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

All good information to date

What were the circumstances that caused you to initially look for an adviser?

To help us over a difficult financial hurdle and to get our collection of pensions in order.

How has Tom Morgan helped you?

Tom was empathetic, listened and helped us plan a more well thought out financial future. Tom is always there at the end of the phone or email and makes you feel that nothing is too much trouble.

Have you seen the outcome you were hoping for?

Some, yes and there will be more to come.

What could they have done better?

Given me the winning lottery numbers!

What were the circumstances that caused you to initially look for an adviser?

We needed a new financial adviser, as we had met Tom before he was our first choice to go to.

How has Tom Morgan helped you?

Tom has been great, helping us to sort and understand our pensions and investments in terms we can understand. He has also been available when anything new has cropped up, answering our questions promptly.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing comes to mind.

What were the circumstances that caused you to initially look for an adviser?

Pension transfer

How has Tom Morgan helped you?

Thomas has been invaluable in planning my pension options and has also helped with my father's inheritance planning.

Have you seen the outcome you were hoping for?

So far, yes.

What were the circumstances that caused you to initially look for an adviser?

Our financial advisor retired

How has Tom Morgan helped you?

Thomas has helped us to amalgamate all of our random investments into a cohesive and manageable selected few.

Have you seen the outcome you were hoping for?

Yes definitely.

What were the circumstances that caused you to initially look for an adviser?

I owned my own business

How has Tom Morgan helped you?

By making my savings more tax efficient

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Dispersed pots of money, no coherent plan

How has Tom Morgan helped you?

Immeasurably. Not only is his advice sound but it is a pleasure to work with him. Nothing is too much trouble.

Have you seen the outcome you were hoping for?

Definitely an improvement - but I know Tom will help me course correct along the way.

What could they have done better?

No comment

What were the circumstances that caused you to initially look for an adviser?

Wanted expert advice and expertise

How has Tom Morgan helped you?

Provided guidance, expertise and best practice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

From the sale of a business, how best to invest for the future.

How has Tom Morgan helped you?

Thomas has advised on both pension and future financial planning decisions.

Have you seen the outcome you were hoping for?

Unfortunately with the pandemic and the current economic crisis, investments have been severely hit. However the advise was correct and is for the long term

What were the circumstances that caused you to initially look for an adviser?

Pensions

How has Tom Morgan helped you?

Advised all options available to me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing more as Thomas provided excellent advice.

What were the circumstances that caused you to initially look for an adviser?

Initially looking for mortgage advice but I have stayed with Tom ever since with my pension and investments

How has Tom Morgan helped you?

Brilliant advice, always understanding and making a complicated world simple

Have you seen the outcome you were hoping for?

Yes 100%

What were the circumstances that caused you to initially look for an adviser?

I had previously been in the clutches of a poor financial advice company from which I thought there was no escape.

How has Tom Morgan helped you?

Thomes helped me down a route to make sound decisions, without forcing me at any point. I had to take some tough decisions, that only I could make but was supported by Thomas all the way through.

Have you seen the outcome you were hoping for?

Yes, I feel that I am in good hands and have no reservations in recommending him to supply advice on any financial aspects.

What could they have done better?

Absolutely nothing.

What were the circumstances that caused you to initially look for an adviser?

I was looking for advice to give our money a better and more exciting chance than ordinary savings

How has Tom Morgan helped you?

Given sound advice without being to risky.

Have you seen the outcome you were hoping for?

So far so good

What could they have done better?

Nothing I can think of, he has always been very helpful

What were the circumstances that caused you to initially look for an adviser?

The death of my husband in 1992 My retirement in 1995.

How has Tom Morgan helped you?

By being available to contact by phone or the internet. Visiting me at home to discuss any issues with clarity and patience. Understanding my technical shortcomings.

Have you seen the outcome you were hoping for?

I have always felt that my investments were in safe hands; that he understood my financial and family needs. I have felt that the money I have invested was in wise and safe hands.

What could they have done better?

I couldn’t say!

What were the circumstances that caused you to initially look for an adviser?

Just needed some specialist financial advise for retirement

How has Tom Morgan helped you?

Combined all of my various pensions into one

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Tom Morgan helped you?

Having sums of money that I had no idea how to deal with after leaving work, I needed specialist advice, Thomas was recommended by an acquaintance and from the minute of first contact , the calm assured way he led us through our options and his insight into what we wanted were fantastic. Removed all the worry by finding someone I was confident I could trust.

Have you seen the outcome you were hoping for?

In so far as our money is now working for us in the most efficient way, definitely.

What could they have done better?

Honestly? I don’t think I had anything that made me uncomfortable or unsure, We had numerous meetings until Tom was sure we were happy and fully informed.

What were the circumstances that caused you to initially look for an adviser?

A sum of money to invest and pensions to consider

How has Tom Morgan helped you?

Invested lump sum and advised on use of pensions

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

When we moved to the UK in 2010 my husband and I needed someone local to manage our investments and other financial requirements.

How has Tom Morgan helped you?

He has managed our finances extremely well, our investments are growing, and since my husband died I have had the confidence that my complicated finances will be watched over and managed in the best way.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I know of.

What were the circumstances that caused you to initially look for an adviser?

An inheritance and early retirement due to ill-health

How has Tom Morgan helped you?

Simple, easy to understand conversation about options available, with potential benefits and risks associated with each explained. Approachable.

Have you seen the outcome you were hoping for?

On the whole, yes

What could they have done better?

At the outset - I felt Tom did the very best for us

What were the circumstances that caused you to initially look for an adviser?

I needed help with a relatively complicated mortgage

How has Tom Morgan helped you?

He was thorough and went above and beyond to help us find the right mortgage and provider for us enabling us to buy a new property without having to sell the existing property.

Have you seen the outcome you were hoping for?

100%!

What could they have done better?

I can't fault Thomas, he's a professional expert with an extremely approachable demeanour.

What were the circumstances that caused you to initially look for an adviser?

Inherited money and retirement

How has Tom Morgan helped you?

8years

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Need to consolidate multiple pension pots

How has Tom Morgan helped you?

Thomas collected and collated information from all my pension providers, analysed each policy and subsequently managed the transfer to a single scheme

Have you seen the outcome you were hoping for?

Yes ... easier to manage a single pot

What could they have done better?

All went smoothly

What were the circumstances that caused you to initially look for an adviser?

I wanted financial advice in regards to a remortgage.

How has Tom Morgan helped you?

Thomas has helped me and my family to remortgage my home, and advise me on borrowing.

Have you seen the outcome you were hoping for?

Thomas led us through the process and he was able to take out the stress of the whole process. I couldn't recommend his service enough.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Looking for a reliable financial adviser as I had not received advice from anyone for several years. My situation was complicated due to having two pensions and running my own company.

How has Tom Morgan helped you?

Thomas explained my situation to me in words I could understand, gave me confidence in what I was doing was right for me and my family.

Have you seen the outcome you were hoping for?

Yes, funds have been consolidated and I can easily track progress with the online support.

What could they have done better?

A little too early for me to comment on this.

What were the circumstances that caused you to initially look for an adviser?

I owned my own business and needed to know what to do with any profits

How has Tom Morgan helped you?

He asked me what my expectations were and how they could be met.

Have you seen the outcome you were hoping for?

The outcome has been slow due to my funds having to be transferred from another company to True Potential.

What could they have done better?

Under the circumstances, nothing.

What were the circumstances that caused you to initially look for an adviser?

To optimise and consolidate our pension arrangements, for existing and future savings’ plans.

How has Tom Morgan helped you?

Tom guided us through the available options and provide advise on how to maximise our returns.

Have you seen the outcome you were hoping for?

It’s early days but so far the signs are encouraging.

What were the circumstances that caused you to initially look for an adviser?

We required investment advice.

How has Tom Morgan helped you?

Tom has helped us tremendously in making some difficult decisions.

Have you seen the outcome you were hoping for?

This is ongoing, but we are optimistic

What could they have done better?

Very little. Tom is such n expert in his field

What were the circumstances that caused you to initially look for an adviser?

Inherited money and private pensions

How has Tom Morgan helped you?

Advice and guidance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, excellent service

What were the circumstances that caused you to initially look for an adviser?

Once I started to prepare for retirement and looking at options with my scheme

How has Tom Morgan helped you?

Tom offered me sound financial advice and talked through all options open to me shows you the plusses and minuses There is no pressure from Tom he is a genuine honest guy and very trustworthy he also

Have you seen the outcome you were hoping for?

In the coming years I am sure I will do , at present moment in time everything is all on track

What could they have done better?

The service they gave met my expectations

What were the circumstances that caused you to initially look for an adviser?

Needed to revisit the health of my pension situation as my situation has changed

How has Tom Morgan helped you?

Everything related to pensions - from explaining what I currently have and how it is performing and helping me understand what actions I need to take now to provide for my retirement

Have you seen the outcome you were hoping for?

Absolutely - above and beyond what I was expecting. Tom is such a pleasure to deal with and has a real skill at making the complex more simple!

What could they have done better?

Nothing - cannot fault the service to date

What were the circumstances that caused you to initially look for an adviser?

Bereavement inheritance, and planning for our retirement.

How has Tom Morgan helped you?

Tom pointed us in the direction to achieve our goal of retiring early.

Have you seen the outcome you were hoping for?

Yes, we retired at the end of last year.

What could they have done better?

Nothing to our knowledge, Tom has always been clear in his advise, explaining anything we were unsure of, and has been clear on fee's and we feel very comfortable with both Tom and the advice we have been given.

What were the circumstances that caused you to initially look for an adviser?

Retirement and investment

How has Tom Morgan helped you?

Advisory and planning

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Retirement and investment

How has Tom Morgan helped you?

Explained, advised and sorted investment options and pension planning.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

We were looking for mortgage advice for the purchase of our first home.

How has Tom Morgan helped you?

Thomas helped us to secure our mortgage and life insurance.

Have you seen the outcome you were hoping for?

Yes - absolutely

What could they have done better?

Thomas was incredibly attentive, responsive and practical - helping us to find the right approach to meet our circumstances.

What were the circumstances that caused you to initially look for an adviser?

The fixed term on our mortgage had ended and I wanted professional advice on the best course of action during the financial uncertainty of the pandemic.

How has Tom Morgan helped you?

Tom patiently took time to fully understand our circumstances and preferred outcome here and now but also for the future. Using this information, Tom was able to recommend a mortgage that perfectly suited our needs.

Have you seen the outcome you were hoping for?

Absolutely! The entire process from start to finish was swift and painless. Communication from all parties was beyond excellent.

What could they have done better?

I can't imagine anyone would want anything done differently or in addition to the service Tom already provides. He's a total professional.

What were the circumstances that caused you to initially look for an adviser?

My original adviser Granville Bates who retired, handed me over to AFH where I was introduced to Thomas.

How has Tom Morgan helped you?

By a clear explanation of the products I was investing in.

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

I believe that the help and advice he has given me is sound.

What were the circumstances that caused you to initially look for an adviser?

We had various pensions that we wanted consolidate and become more proactive in the market

How has Tom Morgan helped you?

He did exactly what we required.

Have you seen the outcome you were hoping for?

We are well on our wayN

What could they have done better?

NothingTh

What were the circumstances that caused you to initially look for an adviser?

My company used Tom,s employee to run the company pension scheme, after leaving employment of this company I was impressed with Tom's advice and work commitment. So decided to carry on using Tom as our family adviser.

How has Tom Morgan helped you?

Financial advice with Pension contributions and setting up ISA's

Have you seen the outcome you were hoping for?

Pre Covid lock-down results were ok, since them major losses as markets reacted to the Covid lock-down. Losses appear to be rallying but won't be happy until back at the same level pre shut-down

What could they have done better?

I am not able to provide any advice on enhanced performance from my adviser unless he could have removed the losses suffered to my accounts. Tom has always appeared to be very open and honest when we have meetings to discuss financial matters.