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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

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David Gabriel

You are professional in every way.

As you know I have recommended you and your services to several other people of the years, I shall continue to do that. I believe you are an excellent Independent Financial Adviser and I trust you completely.

I will update my state pension estimate and send you the appropriate proof of it.

Thanks again for all your help over the years.


David Gabriel                                                                                                                                              14th March 2019

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Paul Davies

The transfer of my pension from my previous employer to a private pension was a ‘massive’ decision and required a number of personal and financial considerations to be taken in to account. Thanks to your understanding of my requirements, and more importantly your knowledge of the financial sector, you were able to investigate and report back with the options available to me – and then take time to discuss in some detail.

As a result I transferred to a private pension and I am so pleased that I made that ‘massive’ and important decision.

I also fully appreciate that you are personally able to fully review my financial circumstances on an annual basis to assess past performance and my future requirements.


Paul Davies                                                                                                                                         9th March 2019

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Phil Hart

Just a quick email to say tomorrow is my last day at The Co-operative Bank Plc – without your help this could have been in another 7 years time!


Phil Hart                                                                                                                 20th December 2018

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Cheryl McCann

The recommendations made to me about your services have proved invaluable. Your sound advice given in “layman’s” terms and the technical in-depth knowledge of the industry and markets has given me the confidence that I have definitely made the right choice transferring my pension fund.

You and your company have a professional approach, and always keep me updated with appointments, agendas and follow up notes.


Cheryl McCann                                                                                                      24th October 2018

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Les Simms

I would like to take this opportunity to thank you and your colleagues for the help and guidance over the last year in setting up my retirement account and the ongoing support. I look forward to our continued association.

Les Simms                                                                                                                                                               25th May 2018

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John Powell

I have used the services and professional acumen of Steve Speed for many years. In this time he has offered me sound financial advice and planning and I trust his guidance and understanding of the markets completely. I have recommended him to a number of our own clients who have also been very complementary about People and Business.

John Powell                                                                                                                        4th January 2018

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Debbie & John Penfold

We have dealt with People and Business IFA for a few years now and have been really pleased with the service provided. Steve’s in-depth knowledge of the financial markets and the products available have been invaluable. We have definitely benefited from his advice and look forward to dealing with him for many years to come.

Debbie & John Penfold                                                                                                  18 December 2017