In 2018 as I approached the 40th year of my career in financial services, I decided to retire. Tilney had been the sole focus of my professional life for nearly 23 years, 18 of those serving in senior executive positions. I have enjoyed it immensely. Before acquiring Towry Law in 2005, JS&P was a niche boutique servicing a few hundred million pounds of client assets. I am so proud of the larger business we became, with over £24 billion in assets under management at that point, and so proud too of the team that continues to deliver life-changing advice to our clients. The work we do is transformational for them and their families. During my enjoyable career, I have worked variously as representative, manager and adviser for a number of companies including fund managers, insurers and advice firms. Following a successful thirteen year career as an adviser, I stepped into senior executive management in 2006 to run the Towry sales business. During ten successful years in this role, we acquired a number of additional companies and pioneered in the building of a modern, scalable post RDR advice business. We achieved consistent year on year growth before successfully selling the business to Tilney Bestinvest in 2016, crystallising highly attractive value. I continued to serve on the executive team of the newly merged Tilney business as Head of Financial Planning. As at Towry, Tilney creates robust and comprehensive financial plans for clients with a clear strategy to achieve their life goals and avoid financial pitfalls, then reviews the strategy regularly to ensure it is on track. I was privileged to be in a position where I could greatly influence the delivery of such world class advice to Tilney's clients and their families through our hugely talented and committed team, a legacy I am very proud of. As I enjoy retirement, I remain both a client and shareholder in the Company.