Justin Rourke

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

How has Justin Rourke helped you since your last review?

Long term financial planning and draw down options to facilitate and maintain early retirement

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

How has Justin Rourke helped you since your last review?

Justin has helped my family to plan for inheritance tax with solutions that are well-tailored to us. He has also facilitated the transfer of my personal investments into an account that I manage myself.

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

How has Justin Rourke helped you since your last review?

Much the same as above he has given excellent advice on our finances, helped us with Pensions and always quick to respond to any questions we have

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

How has Justin Rourke helped you since your last review?

Justin advise me and guided me through a particular pension drawdown issue which required special consideration.

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

How has Justin Rourke helped you since your last review?

Ongoing pension advice for maturing pension. Investment planning and financial planning

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

How has Justin Rourke helped you since your last review?

Justin has helped in the twelve months, with pension draw down, and moving investments to higher performanceing and lower cost provider

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

How has Justin Rourke helped you since your last review?

I feel strongly that Justin continues to “have my back” when it comes to looking forward to the future financially.

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

How has Justin Rourke helped you since your last review?

By explaining things clearly and thoughtfully and taking on board my needs and interests

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

I needed a better IFA to help manage my and my wife’s pensions

How has Justin Rourke helped you?

Pension planning and other questions around tax

Have you seen the outcome you were hoping for?

Yes

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

Historical - my family always dealt with this company and I saw no need to change

How has Justin Rourke helped you?

Always there with advice, explanations, recommendations and reassurance

Have you seen the outcome you were hoping for?

So far I have been able to live comfortably and pursue hobbies since being widowed

What could they have done better?

No idea

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

We were clients of a business that Armstrong Watson took over.

How has Justin Rourke helped you?

By making the process understandable and clearly explaining the process of how the Pension funds and my investments work.

Have you seen the outcome you were hoping for?

I totally understand that Pensions are a long term investment and at the moment mine is doing well.

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

Wanted advice on pensions.

How has Justin Rourke helped you?

He moved me from my old provider to my current Close Brothers

Have you seen the outcome you were hoping for?

Close Brothers have given a more personal and enhanced service.

What could they have done better?

Nothing

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

As a small investor I looked to Justin for advice on the best path to take which would potentially reap good returns at the same time as giving me easy access to my money.

How has Justin Rourke helped you?

Justin has been a rock to me. I had little knowledge relating to investments and was overwhelmed by it all. Justin has provided me with simple to understand advice and introduced me to options I was unaware of. This gave me courage to step outside my comfort zone and be brave. Thus improving my quality of life and hopes for the future.

Have you seen the outcome you were hoping for?

Last year I had some home improvements done. In 6 months my investments returned almost forty percent of the cost!! Absolutely fantastic.

What could they have done better?

I'm very happy with the service and advice provided to date.

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

My parents were clients of Justin's and I met him whilst having POA for my mother. I subsequently had total trust in becoming a client of his myself after my parents had passed away.

How has Justin Rourke helped you?

Justin's has steered me through difficult times! Having known my parents ,he seemed to fully understand my situation both financially and emotionally re my inheritance. He was (and still is) exceedingly patient re my total lack of financial knowledge! He advised me re a will variation and subsequently re setting up trusts for my son and daughter. This has been a major part of his recent work with me and my family. They also now think highly of Justin. Justin is my "go to" person for all things fin ancial!

Have you seen the outcome you were hoping for?

I think so! Alot of the financial "stuff" has really stressed me and confused me. Justin has helped so much, not only by his advice ,but also by his approach and understanding.

What could they have done better?

I honestly cannot think of anything that could have been done better. Even his flip charts have become legendary!

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

Pension

How has Justin Rourke helped you?

Sound solid advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Done their best

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

I had a requirement to review my DB pension plans and consider transferring into a private pension. As part of that review long term financial planning was also considered

How has Justin Rourke helped you?

Justin has been excellent in helping myself with financial planning, prompting an opportunity to retire early. Justin made sure all options were considered. This gave me a lot of confidence in checking and challenging my initial thoughts.

Have you seen the outcome you were hoping for?

The review was concluded, all options were considered, we reached an agreed proposal that was quickly completed.

What could they have done better?

I’ve nothing to add to this section, all arrangements were executed within the timescales set out, information was processed quickly and accurately.

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

Retirement and more recently service issues with Prudential and revised personal strategy related to the diminished need for a fund that offered employer pension contributions (from my Consultancy company)

How has Justin Rourke helped you?

advice and ongoing support

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Satisfied with what has been done

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

How has Justin Rourke helped you since your last review?

Justin continues to deliver a personal service as I’ve described before. Well done on your promotion, we’ll deserved

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

How has Justin Rourke helped you since your last review?

He recommended a pension pot to transfer the pension to and set it all up seamlessly. He recommended a company to go with for our investments and gave us options of how to manage it. This has worked out well and very happy with the company and the feedback they give.

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

How has Justin Rourke helped you since your last review?

Justin has maintained contact through emails and has invited me to join several webinars that covered subjects which were of interest.

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

How has Justin Rourke helped you since your last review?

Kept me updated during difficult times

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

Pension transfers

How has Justin Rourke helped you?

Justine offered thorough and complete financial advise on a set of unique pension schemes, simplify the opportunities and making clear the risk. Justine guided myself through the total process and made sure an existing pension provider supported a financial transfer.

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 Justin Rourke helped you since your last review?

Justin has kept me abreast of the financial situation regarding my investments in these turbulent times. I continue to have faith in his advice.

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

pension advice

How has Justin Rourke helped you?

to under stand options available to maximise returns from pension fund

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 Justin Rourke helped you since your last review?

It is good to know our advisor personally,Justin has continued to keep us well informed on our investments and we know he will tell us if there is anything we need to consider. It is particularly good to be able to discuss matters in person and not just by correspondence or a phone call with people who don’t really know us. That personal touch is quite important! We have every confidence in Justin.

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

Retirement

How has Justin Rourke helped you?

Clear, straightforward advice on our financial situation resulting in a long-term plan for income, investment and inheritance planning.

Have you seen the outcome you were hoping for?

Not yet. Phased investment underway and too early to say, especially with the uncertainty caused by Ukraine and the unexpected surge in inflation.

What could they have done better?

Very pleased with the advice provided therefore no need to comment

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

How has Justin Rourke helped you since your last review?

Justin is approachable, helpful and courteous. He has been our financial adviser for several years now - he is a trustworthy professional who has always provided worthwhile advice.

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

We were concerned that our investments were languishing somewhat. We felt we needed a fresh look at them

How has Justin Rourke helped you?

Patient, clear and intelligent advice. I don't know if it was the best available, but we are satisfied with all outcomes

Have you seen the outcome you were hoping for?

So far so good. Marred by downturns due to brexit and covid

What could they have done better?

Different way of transferring money between funds if possible. Not sure it would have been.

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

Choice of investment

How has Justin Rourke helped you?

Researching investment

Have you seen the outcome you were hoping for?

Actually too early to say - I think you should ask for reviews on choices of investments a bit later. ISA transfer not completed yet.

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

How has Justin Rourke helped you since your last review?

I am a long way from being rich, but wish to hang on to what I have and make sure that I can pass as much as possible on to my son and at the same time have an acceptable lifestyle. Justin ensures that is possible.

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

How has Justin Rourke helped you since your last review?

He explained the current state of my savings and investments and was very helpful

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

.

How has Justin Rourke helped you?

.

Have you seen the outcome you were hoping for?

.

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

I required clarity regarding pension trransfers.

How has Justin Rourke helped you?

Justin provided complete clarity and direction. He cut through the jargon and complexity to portray the feedback in terms I understand.

Have you seen the outcome you were hoping for?

It is still in progress but I am confident this will meet my expectations 100%.

What could they have done better?

Nothing springs to mind. Justin provided complete transparency of the process, the deliverables and the financial aspects.

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

I wanted to retire early and needed advice about long term income and investments

How has Justin Rourke helped you?

Justin did a complete financial review and recommended investments and pensions to maintain our standard of living

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think he could, the advice and planning were excellent

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

To seek advice on transferring my pension.

How has Justin Rourke helped you?

Justin gave me the advice I was seeking in a thoroughly professional manner.

Have you seen the outcome you were hoping for?

Still ongoing.

What could they have done better?

I can fault anything Justin has done to date.

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

How has Justin Rourke helped you since your last review?

Justin is committed to providing a personal and bespoke service. He always had a handle on what is going on for your portfolio and gives personalised advice and guidance.

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

My husband had a pension he needed to do sort out as he had retired and we have inherited money which we wanted advice about investing.

How has Justin Rourke helped you?

Justin set out the various options and explained them very fully, taking time to answer our questions and clarify things for us. He suggested ways of getting a much better return for our investments. He was always very prompt to get back to us.

Have you seen the outcome you were hoping for?

For the pension and advice, yes, but still waiting to see how the investments perform as it is early days of reinvestment as yet and no dividends received as yet.

What could they have done better?

Very happy with Justin's management.

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

I am concerned I am not saving enough towards my pension and I have several pensions and I didn't understand how they would work together to give me an income in retirement

How has Justin Rourke helped you?

Justin put together the projections for various retirement dates and compared my cost of living expectations with my projected pensions to identify gaps (along with my husband's pension projections) to see what I need to do now to protect my future.

Have you seen the outcome you were hoping for?

Yes

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

I needed advice and support in transferring a SIPP that had an element of GMP attached to it, to a more flexible option. Because of the GMP feature I needed specialist advice.

How has Justin Rourke helped you?

I knew how difficult it was to justify moving from a plan that came with certain guarantees. Justin made a detailed review of my current financial circumstances, my life goals and the existing SIPP. He was then able to make a positive recommendation to transfer. He also advised on suitable alternative investment funds.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. The whole process was handled in a totally professional and efficient manner. Justin took the time to ensure I understood all the pros and cons of such a transfer. His friendly but professional approach helped me throughout the exercise.

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

Taking early retirement ,amalgamation of pensions and money to invest.

How has Justin Rourke helped you?

Enabled me to make informed decisions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Justin Rourke helped you since your last review?

Justin has kept me abreast of the current financial situation and has also provided me with updates specific to my portfolio. Justin will always make himself available if I need advice and continues to provide the high level of quality service I have come to expect.

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

How has Justin Rourke helped you since your last review?

A difficult time with the Pandemic and face to face meetings not possible but we haven’t been forgotten about, Justin has kept in touch with us and we’re well informed,he’s always contactable to advise us and answer any questions we have.

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

How has Justin Rourke helped you since your last review?

Just as before. He is always available - and is courteous and very helpful. He has provided excellent advice during the several years we have been with him.

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

How has Justin Rourke helped you since your last review?

Justin continues to keep in touch with us on a regular basis and always provides clear and concise information and advice. Every meeting with him is friendly and there is no such thing as a silly question for Justin, which makes it much easier for me to ask them! Justin takes the time to get to know you and therefore tailors the advice accordingly.

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

Wished to change pension

How has Justin Rourke helped you?

Comprehensive research, consideration of my individual needs, and detailed advice.

Have you seen the outcome you were hoping for?

It's a bit early to say so far as the investment is concerned. The new pension is easy to access in terms of getting information online and that is an important outcome.

What could they have done better?

n/a

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

Investment of proceeds of farm sale and associated tax planning for inheritance tax.

How has Justin Rourke helped you?

Met virtually to discuss the options then had meeting in the office to go through the paperwork to make the most appropriate investment. Justin clearly explained everything about the investment and ongoing strategy in an efficient and professional manner.

Have you seen the outcome you were hoping for?

Yes all going well so far.

What could they have done better?

Nothing.

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

Being the sole beneficiary of my Fathers Trust, then my Husbands retirement, then his death.

How has Justin Rourke helped you?

Planning the management of investments so that I would not be bothered with day to day admin, or buying and selling shares, ensuring, as far as possible, a steady income, and managing Capital Gains liabilities and allowance and ISA investment.

Have you seen the outcome you were hoping for?

Yes. Everything is very nearly finally in place and I have peace of mind.

What could they have done better?

Everything is being set up as I wanted, and I know I can always get in touch if I have any queries, so I am not aware of anything that could have been done better.

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

We had various investments and wished to consolidate them. Also we wanted advice on tax efficient saving and any inheritance tax implications

How has Justin Rourke helped you?

Justin helped us to realise the assets and clearly explained the various options for reinvestment and setting up a Trust enabling us to make informed decisions-especially useful as we were very cautious investors .He also dealt sensitively and efficiently to realise the trust funds after my husband’s death.

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 Justin Rourke helped you since your last review?

We are in regular contact, he responds to queries in a timely manner, if Justin isn’t available his assistant, Toyah is very helpful. In the last 12 months we have invested some funds. Pleased with the progress of the investments we have made. Also like the online access we have to valuations with the provider at the touch of a button on the phone.

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

We wanted to check that we were in good Financial health and able to retire in 5 years. In addition, to find out if there was anything we should be doing now to assist our plans

How has Justin Rourke helped you?

Justin gave us clear concise advice. Very helpfully explaining the pros and cons of certain actions. He totally understood our needs and aims and charged us a fixed fee for his time and services

Have you seen the outcome you were hoping for?

Yes, definitely! Thank you

What could they have done better?

Nothing!

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

How has Justin Rourke helped you since your last review?

Advice on investment, pension and IHT planning. He is fantastic; knowledgeable, to the point, efficient and feels to have our best interests at heart.

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

How has Justin Rourke helped you since your last review?

Justin provides advice that is as close to that which a friend would provide, as one could wish for. This, coupled with his focus on the client's goals and his excellent knowledge of the field in which he works, make him an outstanding advisor.

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

I wantedto retire early and we needed to find the finance

How has Justin Rourke helped you?

Financial model for the whole retirement followed by an investment plan to achieve the model

Have you seen the outcome you were hoping for?

Yes. Investments are made and we are working towards the retirement date

What could they have done better?

No. Even during the pandemic restrictions Justin kept us informed by email, phone and video meeting

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

Insurance cover for me as an owner of a law firm

How has Justin Rourke helped you?

Arranged for quotes for appropriate cover

Have you seen the outcome you were hoping for?

Process continuing

What could they have done better?

Nothing really - everything very well explained and researched. I am confident that I have received excellent advice

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

I had a small business, and as I was advancing in years I realized I needed some professional advice to help me achieve my retirement aims.

How has Justin Rourke helped you?

Justin took a view of my finances and also an account of my circumstances, and advised me the best way to get to where I wanted to be.

Have you seen the outcome you were hoping for?

Yes, in fact Justin helped me to retire earlier than I would have expected.

What could they have done better?

I really cannot fault Justin and his efforts regarding my financial advice.

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

How has Justin Rourke helped you since your last review?

Always makes things easy to understand, great detail on all our investments

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

How has Justin Rourke helped you since your last review?

Justin Has always been available for guidance and advice with regards to our pension fund and commercial property investments

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

How has Justin Rourke helped you since your last review?

Gave us sound easy to understand information on how our investment is doing!

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

How has Justin Rourke helped you since your last review?

A consistent and attentive service - appreciated as ever, and very helpful. Justin is an excellent financial advisor, who is both approachable and reassuring. My wife and myself are extremely grateful for his services.

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

How has Justin Rourke helped you since your last review?

Justin has continually been in touch with us on a regular basis and when we have any queries or questions between our reviews he's replied straight away. Justin is always really friendly and approachable and makes everything that seems ambiguous (well to me anyway) very clear and straight forward.

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

Need to sort out several pensions

How has Justin Rourke helped you?

Advice, guidance and management of funds

Have you seen the outcome you were hoping for?

To early to say

What could they have done better?

Nothing comes to mind

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

My wife and I have used the facilities of a financial adviser for many years to manage the Investment of our savings (Previously with the O'Reilly Accounts Team) and the avoidance of inheritance tax payments. Now that we are both retired we have found that the advise and services provided by Justin and the team very helpful.

How has Justin Rourke helped you?

Justin has helped by offering friendly sound advise with the assistance of the Tax Team and Brewin Dolphin in the management of our savings, which in the present climate are producing a possible income should we require to use the returns from the investments.

Have you seen the outcome you were hoping for?

Yes, at this stage of our retirement the investments and the outcome we are happy with the results.

What could they have done better?

Of course the financial adviser may possibly have improved the investment return by increasing the risk actor, but we had stipulated a low risk investment return, which Justin had explained to us and which we have been happy with.

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

wanting to look at ways to save capital gains/ inheritance tax

How has Justin Rourke helped you?

Gave us options that would help mitigate the tax liability. He was able to explain this in a clear way to all parties involved, including my parents.

Have you seen the outcome you were hoping for?

Yes

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

Bereavement and downsizing house

How has Justin Rourke helped you?

Listened carefully to what my son and I wanted to achieve. Built a service to suit our needs

Have you seen the outcome you were hoping for?

Work in progress so am sure we shall in due course

What could they have done better?

He is well informed, efficient, easy to communicate with, and gives regular updates and summaries on where we are in the process. I have no suggestions at present

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

we need help managing our finances

How has Justin Rourke helped you?

gave us relevant advice on investments and pensions

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?

Our current insurance wasn't adequate for our needs.

How has Justin Rourke helped you?

Justin made it very simple for me to select a new provider, gave me options and has always been available to answer questions and keep the process moving.

Have you seen the outcome you were hoping for?

Yes, Happy with the outcome.

What could they have done better?

I honestly would not ask for anymore, he did a fine job.

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

Moving house resulting in investable capital, and the desire to begin inheritance planning.

How has Justin Rourke helped you?

Justin provided a step-by-step plan to tackle our priorities in a methodical manner while ensuring we are in full knowledge of the options available to us.

Have you seen the outcome you were hoping for?

The products that we have decided to opt for in relation to inheritance planning have not yet been implemented, but so far we have been very happy with the service that Justin has provided

What could they have done better?

I honestly cannot think of anything Justin could do better. There is a lot of paperwork that goes with the advice we have sought but that is an industry-wide standard, and Justin has ensured that we have understood all the implications of our decisions.

Please provide a brief comment about your experience with Justin

All first class

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

I had several pensions scattered around and he condenced them into one fund, which id performing brilliantly.

How has Justin Rourke helped you?

He rearranged my pension consolidating it. At the recent meeting he explained to myself and my wife all the options we have for accessing toh pension, and our options on how we can proceed when i decide to strat taking it.

Have you seen the outcome you were hoping for?

Yes, everything wa explained in full and we now have a complete understanding of our options. Justin is and has always been a brilliant advisor, and choosing him to help us was the best decision I could have ever made.

What could they have done better?

Continue as you are!

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

The death of my husband - who had always managed our investments = felt that this was something I could not do myself

How has Justin Rourke helped you?

Providing information clearly and sympathetically, setting out the options without any pressure

Have you seen the outcome you were hoping for?

Looks like it the problems of financial planning will be handled for me - but I feel that I will always be involved and have ultimate control

What could they have done better?

I have said it all really - I could not have found anyone better

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

I want to plan ahead for my future and have a strategy for my retirement that means both myself, my wife and children will be able to live comfortably.

How has Justin Rourke helped you?

Justine has been really helpful in advising on suitable products, making future projections and also reporting how well our pension is performing against others which aids us in making financial decisions.

Have you seen the outcome you were hoping for?

Yes, even though the market is quite volatile at present I think our pension is doing at least as well as expected and probably better than most other pension schemes.

What could they have done better?

I cannot think of anything at present as Justin is providing the service we are looking for.

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

We had both retired and we wanted a plan for drawing down our pensions and investing our savings for retirement income.

How has Justin Rourke helped you?

He listened to our requirements, and made sure he understood our aims. He clearly explained our alternatives and developed a strategy for us. Once we understood and were happy with his recommendations, he implemented the strategy for us. We are very happy with the follow up service - Justin is always very responsive if we have any concerns or questions.

Have you seen the outcome you were hoping for?

It's early days, but so far so good.

What could they have done better?

Can't think of anything - so far we have no concerns.

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

Recent retirement

How has Justin Rourke helped you?

Advising on best decision following retirement, regarding long term investment of private pension plans

Have you seen the outcome you were hoping for?

Yes and further options not previously aware of

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

Expert advice

How has Justin Rourke helped you?

Sorted out my pensions which were a mess, also gives us advice on our savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All bases are pretty much covered

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

Running my own business, I needed help with long-term financial planning and tax.

How has Justin Rourke helped you?

He took over from a previous advisor, assessed what I might need and want and had new ideas about what might be helpful for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Justin is excellent at his job. He is keen for my financial planning to be as good as it can be. He brings ideas, mooting them first and then following them up when I've had time to reflect. He brings in other staff who are specialists in other areas which may be of use to me. The only thing I'd like to see done differently is that invoices are not very clear or detailed so it's not always possible to see which piece of work they relate to, nor for what timescale. However, I understand that invoices are not generated by Justin's department so overall, I don't think he could have done anything better.