"Sham became my financial adviser in August 2021, after the retirement of my previous adviser. He contacted me quickly by phone and arranged a Zoom meeting for a few days later. During this meeting we discussed my current situation and investments and he quickly understood my requirements. He recommended moving my pension with Aviva to less risky funds with closer management. I asked him to look at taking the tax-free lump sum from the policy and making subsequent drawdowns easier. Throughout the process, he kept me informed of progress via email and telephone calls. I quickly received the lump sum and the remainder was moved to the new fund. I would be very happy to recommend Sham."