Stephen has been advising me on my financial affairs for over 10 years. He has always been thoughtful and insightful with regard to my needs, rather than his own. His investment suggestions have been sensible and fair, and even in the current challenging conditions Stephen has continued to be driven by a desire to serve my best interests. I think of Stephen as much as a friend and a Financial Advisor who I can turn to for any number of matters, and be confident of his understanding. I fully expect Stephen to figure in my personal financial needs for many years to come.