In an uncertain world, where finances keep most people awake at night, Terence is a crucial ally in future-proofing oneself. What makes Terence unique, apart from his dedication, communicativeness, and useful information-sharing, he, more than most, listens and understands. In my own experience, Terence was (and is) kind and patient in learning about my goals, and has been an essential source of knowledge and guidance in making them reality. That, and his clear interest in the client (rather than pushing products onto clients to earn commissions), stands him out in his field, and I would highly commend him (and his company, Rich Ideas) to anyone interested in seriously planning for their financial future and well-being.