Hi everyone, My name is Matt and I've just joined the forum. I am an independent financial planner and was referred to this forum by one of my best clients (thank you 'Retired Gentleman'). Can I just say that the culture on this forum is fantastic. I hope that it can continue and not be spoiled by spam as other forums have (golf clap for the administrators). I will check in from day to day and put my two cents in. Great to see so many people taking responsibility for their own financial affairs. If you don't, the greedy financial institutions will take a piece of you for doing very little besides building a solid brand (and providing very expensive products that provide negative value!).