We have been clients of David Hardman and Ludlow since 2012. When we first met David, we were impressed with the time he took to talk to us about our plans for the future and what was important to us and our family. He asked us to think about each individual goal and what timescale we wanted to achieve this in. From these discussions, David was able to put together the right investment solution which are aligned to all of our goals and over specific time horizons. We meet with him every six months to discuss any changes in our circumstances and to review the plan and the portfolio. We find these meetings to be relaxed and not hurried, as well as being well-structured. Further, these meetings are well documented and the minutes are always sent to us for our own reference. We have always been very pleased with our outcomes.
One of our main concerns we had was reducing our tax liabilities and through David’s guidance we have been able to achieve this, in particular mitigating Inheritance Tax. David keeps us up to date with any legislative changes and we feel has our finances are secure and under excellent management. He has worked closely with our family solicitors, to ensure everything is joined up.
We find David and the team very professional and have every confidence that the relationship will continue for many years to come.