I contacted Helene to discuss my options with regard to several pensions accrued over my working life. With the new flexibility to access lump sums, seeking expertise was paramount to navigate the pension minefield.

Helene looked at my personal circumstances and determined my attitude to risk. This translated to a balanced plan which involved consolidation of my pensions to simplify future management. I was then able to draw some funds to meet a short term objective, with a monthly payment below tax thresholds to bridge the gap before my state pension commences. In addition, I have the option to vary the amount paid in the future.

At every stage Helene carefully explained the process with all the ramifications involved.

The discussions were businesslike but amiable, informative and of considerable benefit. The relationship has been further enhanced by updates which will impact on my situation either through Government or personal provider.

In the past I was sceptical regarding “financial advisors” but have been pleasantly surprised by the experience encountered with Bread and Butter Advice.

I have no hesitation recommending this company to give clear, concise, accurate facts. Very happy with my personal plan.