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Graham B – Greater Manchester

‘It’s now been over 5 years since I was introduced to Steve Speed and the team at People and Business and I’m pleased to share that they are still doing a great job with their investment advise despite the challenges we are currently all experiencing.

In fact, in my case, I’ve gone a step further and decided to retire recently. However, before doing this, I had a lengthy (open and honest) conversation with Steve about our future plans and how our investments would meet these needs as well as being careful enough to plan for the unexpected. As ever, Steve was able to provide solid advice based on his considerable knowledge and experience and also to guide as to the most tax efficient way to draw funds.

I still maintain that Steve is one of the most dedicated professional people I have ever met, but at the same time approaches his work in a very relaxed and personable style and I would have no hesitation of recommending his services and that of People and Business.’

Graham B – Greater Manchester – 15/12/2021

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Barbara T – Hale

‘I’ve known Steve  for  over  10  years.  As  a  Financial  Adviser,  he  is  second  to  none, but  its  more  than  that,  it’s  the friendliness  that  goes  with  his  professionalism.

When  we  have  our  meetings,  I  always  feel  comfortable  and  at  ease.

Steve  explains  things  and  makes  sure  I’ve  understood  them, nothing  is too much  trouble.

Steve’s  done  a  great  job  for  me  with  my  portfolio  and  I  would  have  no  hesitation  in recommending  Steve  and  his  staff  to  anyone.’

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Carl Eccles – Just Protect Ltd

‘I can’t recommend Steve’s business and Key Person Insurance enough… When setting up a business or reviewing our financial position and cover we all think “it won’t happen to me or it’s a waste of money”. None of us know what is around the corner. I am pleased to confirm at a time of need the service from Steve and the Key Person Cover I purchased with Zurich through Steve’s advice at People & Business, has really helped take some personal and business pressure off as I recover from a heart attack at the age of 43 years. When I set my policy up just over 2 years ago with working in financial services and insurance for over 25 years, I understood the importance of protecting the unexpected. We all hope we don’t need to make a claim for critical illness or worse but you just never know. As always Steve and his team were on hand to assist and make the process and the claim easy. Insurance companies always get a bad name but Zurich have been amazing and especially in the current climate with communications, updates and dealing with everything in a very professional and friendly manner.’

Carl Eccles

Development Director

Just Protect Ltd.

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Carl Eccles

‘I have known Steve as a friend for a long time, and a few years back I started dealing with Steve on a professional front to look after my personal finances. Working within the financial services sector myself I hand on heart would recommend Steve & his team to anybody. The personal service and professionalism is second to none. I 100% trust and take Steve’s professional advice without hesitation as he takes the time to understand and gets to know you as a person, your business objectives so he can advise for your best interests.

By working closely with Steve I am also more knowledgeable about the markets and how to best to plan for my future. Regardless of how busy Steve is he always makes time to help, advise and support you as a client and a friend.

A great guy, a great company… Thanks for all your advice and support so far.’

Carl Eccles – Director, Just Protect


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David Gabriel

‘I have known Steve in a professional capacity for over 20 years.

He has always been a pleasure to deal with. When he ventured into his own business I was eager to place my pension provisions with him and to retain his expertise as my Independent Financial Adviser.

He is always very professional and totally objective, he treats me with dignity and respect, I totally trust Steve.

When dealing with the office staff, again they are always helpful and polite, if I am just leaving a message or asking for advice, the answer is professional and objective.

I have and will continue to recommend Steve and the company to friends and colleague who are in need of financial guidance and advice.

If any prospective client would like to speak to me directly I am happy to facilitate’

David Gabriel

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Michael Lucas

‘After years of putting off sorting my pensions out, I finally used the services of Carl Mitchell and People and Business. I am so glad that I did. The service was amazing and total professionalism. I put it off due to my lack of understanding. That all changed after Carl took me through my pensions and what could be achieved and how my portfolio could look. He explained things in a simple way and wrote a report in a way I understood. I am more than pleased how my pension is performing. I would highly recommend to anyone and be passing details onto others.’

Michael Lucas

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Andy Pearson

The one word that seems to me most relevant to my many years of involvement as a client of Steve Speed and People and Business is confidence.

Whether speaking to Steve and his team on matters relating to my business interests or my personal finances, having total assurance with regard to the objectivity of the advice provided and the clarity with which it presented is a constant and valuable – in all senses of the word – benefit.

What first impressed me with Steve was his ability to explain the most complex financial conundrums and to present the options and his recommendations in a succinct and totally professional manner.

That remains the case and the only thing that has changed over the many years that we have had dealings is my confidence, which has increased immeasurably.

Andy Pearson
10th August 2020

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Graham Bower

“I was first introduced to Steve Speed several years ago soon after having received notice of my redundancy after working for the same Bank for over 35 years. Whilst I considered myself to be good with money I had very little idea of my pension options and how they worked.

Coming from a working environment that dealt with financial risk, I have to admit that initially, I was extremely cautious with my dealings with Steve and undertook a lot of due diligence in checking him and his company out.

However, he came highly recommended by other colleagues who had used him and I also utilised a large pension company to undertake a comparison of advice given.

The stand-out difference with Steve from the outset was that he has such a professional way but also takes time to get to know you on a personal level. On the strength of his advice I made what I consider to be the biggest financial decision of my life which will also ensure security for my wife and family in time to come.

From a professional point of view Steve is one of the most motivated, well organised and ‘happy to help’ people I have known in my 40 years of working. In addition, he also displays a willingness to ensure that the wealth of his knowledge and experience in pensions and investments are shared with you. Whilst I would not consider myself an expert on these subjects; I do know enough now to make informed choices about my future financial planning.


Steve – I cannot thank you and your team enough for your help, advice and support over the last 3 years!”


Graham Bower                                                                                                                             3rd January 2020

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David Wickham Testimonial

Steve and his colleagues at People & Business are a credit to their profession.  Steve took over my pension investment a couple of years ago, at the time I was very nervous about transferring it out from the scheme it was in, but Steve gave me all the reassurance I needed and was very clear on the risks / benefits. He dealt with the transfer professionally and efficiently and kept me informed at every step of the way.  I chose to deal with Steve and People & Business as he had been highly recommended by my colleagues who had been through the same pension transfer process.  From the first time we met I was impressed by Steve’s mix of professional advice with a personal touch.  He has the ability to explain complicated subject matter in a way that I can understand.  As a result I feel engaged and involved in all aspects of my investment.    In all my interactions with Steve I feel like he understands me and my needs and talks to me in a clear and simple manner.  I have absolute trust in his advice and guidance and feel like my pension is in safe hands.


David Wickham                                                                                                                                    26th June 2019

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Comment to Steve Speed via email


Anyway all looks good, many thanks as ever for your great advice. 25 years has flown by pretty quickly!


Ian Brewster on Retirement Planning                                                                                               21/06/2019