I spent 7 years with Municipal Mutual working on all classes of general insurance, the experience leads me to approach all planning work as an exercise in managing risk.Avoiding the downside risk is for many people far more important than gambling on the upside.I am interested in developing a robust planning methodology which combines quantative methods with behavioural cues. This will be a long term plan comprising mortality and morbidity risk, an investment strategy using index tracking combined with instruments that have known outcomes, complete detailed tax planning including Will writing.Specialties: Retirement Planning. Group Risk Employee benefits. Helping first time self employed / small company with the basic tax and regulatory requirements.