In late 2009 our former financial advisor was forced to retire due to ill health; it was he who recommended Joe Daley to my wife and myself.

This was a time of economic uncertainty. In addition, having been retired for over ten years a review of our financial situation was overdue. In the first half of 2009, Joe guided us through a thorough review of our finances, as well as other matters related to Estate Planning such as Power Of Attorney and Medical Directives.

As a result, we made some important changes which significantly improved our financial standing for our ongoing years of retirement. We are happy with the idea of using insurance companies to manage our investments, providing as they do a combination of guarantees and improved returns.

On the basis of our experience, we could not hesitate to recommend Joe to friends and acquaintances who need a comprehensive financial service and a very capable and friendly financial advisor.”

C.S.