Reaching retirement age can be a very traumatic time in one’s life. A time when financial decisions have to be made that will probably affect the rest of your life. “Speak to your Financial Adviser” is the message we receive from all directions. How many of us have Financial Advisers? How do we choose one? Will they give us advice that suits me or them? I was very fortunate to have a personal friend who through experience introduced me to Pavis Financial Management Ltd. Julie Calvert and her team have given me and my wife, sound, concise and understandable advice on how to invest our own “Nest Egg” for the future. The whole process has been conducted in a business-like and caring atmosphere which has filled us with the confidence that our financial investments, which have taken a lifetime to accumulate are in safe hands.