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Thanks for the answers except for those that told me i needed a better financial advisor,and the first answer which I just ignored as being crass and rude, but normal for the poster. As for Gully..... i didnt report him because its a waste of time, but i see he has gone from the thread. As, i have said we totally trust our advisor after years of him helping us and as the head of a very successful company. Ĺ On this occasion, he wasnt giving advice , we were chatting about the situations over the last 3 years. He phoned to ask how i was after a serious illness.