Initially we did our own research, approaching two lenders direct and two IFAs. Of the latter Joe Crotty of Key Retirement Solutions took time to gather the facts of our financial current and future position, searched the market and clearly set out our alternatives. He was patient with our numerous questions, calculations and together we worked a solutions to match our needs. Once we had made a decision the finance was quickly and effeciently put in place enabling us to move on and enjoy our retirement
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