I have known Michael for many years socially and for the past 7 years he has been my IFA. His knowledge, understanding and research on his subject are extremely thorough and he combines this with a common sense, easy to understand approach to decisions. The needs and objectives of the client are always the determinant in any course of action he recommends. All decisions are made by the client, but Michael will not let you make a significant decision without ensuring that you understand all the relevant issues. His administration has always been exemplary. I have been very pleased with our professional relationship and investment outcomes and would recommend Michael to my own friends and colleagues.