I was referred to Gemma by a colleague who has worked with her for many years. Gemma has a reputation as an expert in the NHS pension scheme and understands all the tax changes that have come in over the past few years. As a Consultant in the NHS I had been advised that some of these changes affect me but I had no idea the extent of the possible tax bills if I did nothing.

As I don’t live locally, I was asked if I would initially meet at Eldon’s office so that we could use all their resources and I am pleased that I did. It was the visual impact that made me understand the reality of my situation; I could see how making changes now was going to benefit me in retirement. Having your life mapped out on screen is very powerful and I had never considered the ‘bigger picture’ in that way before.

Time is the element that, like many people, I am short of but Gemma has been willing to accommodate me to ensure that I take action before any key dates. We have been able to work remotely as well as face to face. When I have had queries I have always had a very swift response, and I feel confident that Tony understands what I am trying to achieve. I have recommended her to a friend who is in the university pension scheme and he told me he has also had good advice.