A close relative recommended Michael. We are retired. Since we are new to this investment strategy, his initial descriptions of the level and type of investments were above our comprehension. However, after 3 meetings and much paperwork from Michael, we now have a better understanding of investment than our brief meetings over the past decades with other financial advisers. We appreciate the advice he has given as over the past 5 months including the setting up of appropriate bank accounts to accommodate our investments. We would have been very cautious with investments. We would not have the insight to the invest in the portfolios that he has access to. He has indicated his willingness to give us time for questions and has certainly done so over recent weeks. Through Michael, we're looking forward to a well-structured, forward-looking portfolio that delivers our needs.