For many people this Christmas may not be merry and bright yet for all the turmoil in the world, Christmas is about reflection on the past, courage for the present and hope for the future.

If you are worried about getting on the housing ladder, concerned about affording retirement or care home fees or just feeling uncertain about the future for you and your family, remember that 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.

We would like to take this opportunity to thank all our clients for their valued support over the past 12 months. We have an incredible team here at Cosgrove Brown Financial Planning ltd who are always willing to do their very best to exceed our clients' expectations and they succeed 100% of the time.

Our office will be closed on Friday 23rd December and will reopen on Tuesday 2nd January.

We hope you enjoy special times spent in the warm circle of family and friends.

Have a Merry Christmas and a Happy New Year.