I'm Janie, I've been retired for 10 years now. I'm Grant and I run a scrap metal processing business just outside Crieff. We've been married for 45 years now and we have a lot of fun. Grant considers himself semi-retired now. The yard is just about 50 yards up past my house here. Alongside my scrap career I played professional football. Nothing like the money is in football now or I might have had the yard emptied years ago. A number of years ago my poor husband had cancer. I just had a wee spot on my shoulder and it turned out to be a melanoma. And it was a very difficult summer because the treatment pretty much went on for nine months. I got an operation to remove all my lymph nodes under this arm here and luckily they got them, they got it all. We got through it and then the following year we discovered through M&G that he had critical illness cover that we hadn't realised we could claim on. The M&G advisor came to speak to us. Told us to get the bank statement out, asked us what everything was for and said, you've got critical illness cover, not one but two. Why did you not claim on them? Well we never realised we could. He looked at me and said, no you can claim on these. And I said really? It shows he's right on the ball with everything which is great. So that really allowed us to, well me to retire. It was almost like a huge burden had been lifted off our shoulders because we paid off the mortgage, put some in the bank. It was like a little ray of light that came out of such a bad time. Best bit of advice I've ever had in my life I think. Got three kids, four grandchildren and now I spend my time doing exactly what I want, when I want. Love it. If we hadn't had that advice there's no way we could have been in the last 10 years had the holidays we've had and I'd be still working as many hours as there was in the week. An average workday now about five hours, if no golf, eight hours. You know I'm up there working because I still like it. We consider our advisor to be a friend now. We've had the same advisor for quite a number of years now. We trust him implicitly. We look forward to his visits. He always asks about our family. We ask about his. It's lovely to have someone close to us that we trust. Kept us right with all these things. Pension wise as well. Good lot of money in the business at the time and he says that money is sitting there doing nothing. He gave me figures about how much to put away and then I went away and thought about it and I did exactly what he said. And it's going to work great for the future. You know I can't thank him enough for doing all that. It's never too late to get advice from someone professional. It makes a big difference when you've got few people. fewer years ahead than you have behind to know that you've got a reasonable amount of financial security. We feel we're in a good place now to go forward and with the rest of our life and be comfortable.