As Churchill once said "Christmas is a season not only of rejoicing but of reflection."

Without doubt, 2021 was an improvement on the year which went before and we did see some return to normality. Let’s hope this Christmas you can get together with your families and remember those that cannot be present.

We would like to take this opportunity to thank you for your valued support over the last 12 months. We will always have time to talk to your family, friends or colleagues to see if our services could be of benefit to them, without any obligation.

Warmest wishes to you and your families for a happy and healthy festive season from all at Cosgrove Brown Financial Planning Ltd.