Hi I'm Wayne from Spectrum Independent and this is what we do and what I have been doing since 1987. 🌈MORTGAGE ADVICE- As Independent Whole of Market Mortgage Advisers we act on your behalf-not a lender- finding you the most suitable mortgage for your new home or if you are reviewing your existing mortgage🌈INSURANCE-We show you what type of Insurance you need based on your circumstances, could be Life Insurance to cover your family, or Insurance to cover you if you get sick or Insurance to cover your property, or Liability Insurance for your Business.🌈SAVINGS & INVESTMENTS-We help you invest and save the most tax efficient way you can for short , medium, or long term🌈PENSIONS & RETIREMENT-We will help you plan for retirement, finding the most suitable route for YOU- and provide reviews whilst you are retired.🌈WILLS & POWER OF ATTORNEY-We will help you decide if think you need a Will or Powers of Attorney🌈AUTHORISED & REGULATED & INDEPENDENT-We do all this whilst giving you the peace of mind of working with a regulated and fully authorised firm of Financial Advisers and keeping it simple and not complicating matters.