Dear Mary, Richard appears to be threatened by someone else other than him offering help. Unlike richard, I am not hunting down people to try and make a profit out of them. My advice is free and with no strings. I have more than enough clients to keep me happy for a long time, so the petty little man trying to defame me can help you. However if you want free advice and be sent to an advisor in your area, who will pay me nothing for this, then you can contact me.
