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“I have always been on my own and wanted to be secure in my retirement years and enjoy things like travel. Fortunately I have been a good saver and worked hard to pay down my mortgages. I have done this under the guidance of Withers Tsang who have given me confidence to achieve these goals. What has made it so special is the warm relationship I have with my accountant. He is like a friend who is always available if I need advice and supports me with encouragement. ”