The Team

Our people are very important to us, as is making certain we provide you with the best possible professional financial advice. Below is a short biography for each of our colleagues together with their contact telephone number. For further contact details please see our "Get in Touch" page.

Mike Foster DipPFS, AE
Mike Foster DipPFS, AE , Independent Financial Adviser / Chief Executive Officer
Tel. 01494 451441
Mobile. 07770 747495
As a co-founder of Chiltern Consultancy. Mike has played a lead role in the establishment of strategic business relationships with firms of accountants, solicitors and management consultants. Mike is committed to further developing the Chiltern Consultancy brand and corporate philosophy by only recruiting independent financial advisers who have aspirations to attain the highest level of professional qualifications i.e. diploma, or chartered status, as he feels this will create the credibility and recognition necessary to work closely with other professional firms.

Mike has a client base that has been established over 30 years in Financial Services. His focus has been mainly on corporate clients where group personal pensions and a range of employee benefits are offered. He also provides advice to high net worth individual clients on investments and pensions. Most of his career has been in a managerial capacity including compliance, training & development and establishing businesses with the focus being the marketing and distribution of financial services.

Mike is married with two grown up children and has always retained his interest in sports and is a very keen golfer.
Shaun Clarke DipPFS
Shaun Clarke DipPFS, Independent Financial Adviser / Business Development Director
Tel. 01494 451441
Mobile. 07721 336967
Shaun has been providing financial advice to clients since 1988, becoming an independent financial adviser in 2001. In 2009 he became a director of Chiltern Consultancy and he is now responsible for the business development of the practice. He is a member of the Personal Finance Society (PFS) of Financial Advisers by way of diploma and he is also a member of the Chartered Insurance Institute (CII).
His advisory skills centre on retirement planning to ensure that clients are making the most of their pension and investment assets. This type of planning incorporates the lead up to retirement, the period during retirement and later life planning also. In undertaking this work there are often other considerations that come into play such as inheritance tax planning and protection and Shaun’s experience in these matters has proven invaluable.

Advice in the above areas requires a diligent and personal approach which is something that Shaun has become well known for, not only amongst his own clients but also with the accountancy and solicitor firms he works with to provide financial advice to their clients. This range of skills enable Shaun to provide comprehensive financial advice to personal clients and business clients alike, something which has proven extremely useful as more and more nowadays these two areas of client's lives are inextricably linked. 

Shaun is married with two (adult) children, and he enjoys playing golf and foreign travel.

Angela Dickson BA(Hons), FPFS
Angela Dickson BA(Hons), FPFS, Chartered Financial Planner / Compliance Director
Tel. 01494 451441
Mobile. 07782 390218
Angela has been in the financial services sector since 2001 and with Chiltern Consultancy since 2005. She is a member of the Personal Finance Society of Financial Advisers & the Chartered Institute of Insurance and became a Chartered Financial Planner in January 2010 and achieved Fellowship in 2011.
In 2015 Angela became a Director of Chiltern Consultancy, taking responsibility for the compliance function of the practice. She also provides technical support and client liaison on cases, as well as being responsible for Chiltern's clients who sponsor Workplace Pension Schemes and Employee Benefits.
Outside of the office, Angela is a keen sports enthusiast; she plays league hockey for her local team and is a keen runner, completing the London Marathon in April 2018.
Frank Thompson HND (Hons)
Frank Thompson HND (Hons), Managing Director
Tel. 01494 451441
Mobile. 07507 765722
Joined the business in April 2015 as a Marketing Consultant. Multi-skilled, professional, specialising in marketing and business strategies across all communications platforms. Frank has proven expertise at creating and developing strategic and tactical plans within a range of markets, including professional services. In 2017 Frank was appointed Managing Director of Chiltern Consultancy, taking responsibility for the overall management of the practice and the facilities at Chiltern House
Substantial experience of developing marketing collateral through, websites, social media, digital and print campaigns, brochures and catalogues and event management all to demanding deadlines.
Frank is married with 3 grown up children, City & Guilds HND (Hons) in Printing and is interested in all sports, an ex Semi-Pro footballer, FA Level 1 and 2 Qualifications, a Grade 3 Referee, and also a keen golfer.
Wayne Gooch Chartered FCSI
Wayne Gooch Chartered FCSI, Chartered Wealth Manager
Tel. 01494 451441
Mobile. 07890 940823
Born in Reading in 1974, Wayne considers himself to be a local lad. So local, in fact, that by the age of 18 he had spent five years living in Gloucestershire, six years in Llandudno in North Wales and two years in West Bridgford, Notts. Returning to Reading in 1992 and vowing never to leave again (apart from two years in Northamptonshire), Wayne joined a local firm of Stockbrokers and quickly progressed through the ranks to become an investment manager in Oxford.

In 2003 Wayne was approached by Grant Thornton to join their asset management division to look after the discretionary investment funds of high net worth individuals, charities and pension schemes. From there, he moved into the broader financial advice arena and it was only a matter of time before the attraction of operating as a truly independent financial adviser became too hard to resist. Wayne joined Chiltern Consultancy in March 2010 and is Chair of the Investment Committee. He oversees the investment process and research functions, as well as providing a bespoke solution to meet client expectations. He is a Chartered Fellow of the Chartered Institute of Securities and Investments, holding (amongst others) the level six Diploma in Investment Compliance.

When not following the fortunes of the Stock Market, Wayne turns his attention to his beloved Fulham FC and at the weekend can be seen out with his two children "rolling old-skool" on whichever of his 1980's BMX bikes takes his fancy.
Nicholas S. Kidby DipPFS, CMS, CERM
Nicholas S. Kidby DipPFS, CMS, CERM, Independent Financial Adviser
Tel. 01494 451441
Mobile. 07774 264356
With experience as an Independent Financial Adviser (IFA) since 1998, having spent 12 years working in financial services prior to becoming an IFA, Nick is a highly experienced finance professional. He is a member of the Personal Finance Society and the Chartered Insurance Institute, also is a Certified Mortgage Specialist.Nick primarily works within the professional market, advising clients that have been referred to him by their accountant or solicitor. He is an experienced personal & corporate financial planner, supporting, individuals, directors and executive clients in relation to: 
• Protecting personal and business assets – building & implementing strategies for Retirement & later life, including workplace retirement exit planning.
• Estate advice – including wealth creation, investment portfolio construction, helping Trustees meet their obligations, later life care & financial wellbeing, supporting individual’s and their attorneys to meet objectives, equity release, lifetime mortgages in support of care or financial independence with on-going requirements. 
Through a holistic approach, Nick helps his clients to consider and define their individual or business planning objectives. He explains the options available and supports clients in making informed choices that provides confidence for their financial future. Nick is a keen swimmer and motorcycle tourer, he recently renovated an old BMW R80, as well as a lifelong rugby enthusiast. Having played for High Wycombe RUFC for over 25 years, former Chairman, now honorary Life Vice President. Nick has finally hung up his boots, but supports his local club and his sporting interests mean that he doesn’t have much time for his other passion – supporting the Campaign for Real Ale (CAMRA). However, he has succeeded several times in combining these pursuits by helping organise fundraising beer festivals for his village & rugby club.
Stuart Crawford MEng, FPFS, Certs CII(MP & ER)
Stuart Crawford MEng, FPFS, Certs CII(MP & ER), Chartered Financial Planner
Tel. 01494 451441
Mobile. 07801 492888
Stuart is a Chartered Financial Planner and is a Fellow of the Personal Finance Society, holding the Chartered Insurance Institute Advanced Diploma in Financial Planning. His areas of expertise include pensions and investments and he is a qualified pension transfer specialist, able to give advice on defined benefit pension transfers.

Stuart obtained a Master of Engineering degree from the University of Southampton in 1998 and worked in the automotive engineering sector for several years before switching to financial services in 2005, initially working for a major bancassurer. In the same year he was awarded the Worshipful Company of Insurer's annual prize for achieving the best results in the country in his Certificate in Financial Planning exams. The independent advice sector beckoned and he joined Chiltern Consultancy in 2006.

He works closely with clients to help them achieve their long-term financial planning goals and objectives. True to his engineering origins he focuses on the practical application of planning technicalities and strives to bring these to life in a readily understandable way.

In the little spare time available that is not taken up by his young family Stuart is a keen wine enthusiast and he holds a Diploma in Wine and Spirits.
Stuart Clark  BA (Hons) ACSI
Stuart Clark BA (Hons) ACSI, Independent Financial Adviser
Tel. 01494 451441
Mobile. 07514 259727
Stuart is married, with three children and lives in the Chilterns. He has worked in financial services since 1998, and is a member of the Institute of Financial Planning. During this time, Stuart has worked within an accountancy practice in the West Midlands, administering the company's staff pension scheme, followed by four years providing support to clients, and Independent Financial Advisers, in relation to flexible retirement contracts.

In 2004, Stuart and his family moved ‘down south’ from Birmingham, at which time he began providing face-to-face advice to clients and he joined Chiltern Consultancy in May 2011. He is passionate about providing tailored, holistic advice to his clients, and adding value over time through long term relationships. His knowledge of investment platforms and investing in general is a particular strength and this has enabled Stuart to help many clients that have become disenchanted with the ever declining levels of service they have experienced from their traditional bank/building society.

Outside of the office, Stuart enjoys most sports, and recently came out of cricketing retirement and he has enjoyed what can only be described as "intermittent" success.
Peter Smith CFP TM Chartered MCSI, CTA, ACIB
Peter Smith CFP TM Chartered MCSI, CTA, ACIB , Independent Financial Adviser
Tel. 01494 451441
Mobile. 07872 382322
Peter has worked in the finance industry for over 40 years and early in his career worked for Barclays, spending sixteen years there in their personal taxation, trust and executorship and discretionary investment management divisions. He has worked in the overseas trust, investment and corporate market on behalf of non-resident clients.
Later he worked as a specialist tax and investment adviser for two AIM listed independent financial advice companies. He also has over twenty-three years’ experience as an independent financial adviser; 11 of these as a business owner.

Peter is a Chartered Tax Adviser and an Associate Member of the Institute of Bankers. In 1999 he qualified as a Certified Financial Planner, an internationally recognised financial planning qualification, granted now by the Chartered Institute for Securities and Investment. Peter advises personal and professionally introduced clients and specialises in holistic lifestyle planning, investment portfolio construction, trust planning and solutions designed to reduce the burden of income tax, capital gains tax and inheritance tax.

Peter's diverse background and experience is greatly valued by his clients where thinking outside the norms of financial planning is paramount. Peter works remotely from Chiltern’s Stokenchurch office having clients across the south of England and in Greater London.
Edward Brown DipPFS (DM)
Edward Brown DipPFS (DM), Independent Financial Adviser
Tel. 01494 451441
Mobile. 07789 220116
Edward has worked in the financial services sector for more years than he cares to remember. Starting with a well known life assurer as a life underwriter Edward subsequently moved into sales, servicing accountants in London's West End. He was recruited by a Reading based insurance broker in 1987, to service a multinational client's staff pension arrangements. Additionally he specialised in employee benefits, more particularly death benefit schemes for the diamond mining community in Africa.

Edward joined Chiltern Consultancy in 2006 and now specialises in retirement planning. In order to provide a more holistic service for clients he works closely another Chiltern adviser, Peter Smith. Edward is Diploma qualified and is working towards his Chartered status.
Michael Ross BA(Hons) APFS, RLP, Cert MP & ER
Michael Ross BA(Hons) APFS, RLP, Cert MP & ER, Chartered Financial Planner
Tel. 01494 451441
Mobile. 07859 032287
Michael started work as a Management Accountant in 2000 and after completing his BA (Hons) in Financial Services he joined this sector in 2005. He has continued his studies and is now a Chartered Financial Planner and a Registered Life Planner with the Kinder Institute of Life Planning.

Michael’s qualifications allow him to take a truly holistic approach to financial planning which, in turn, help him to help clients experience a more meaningful life. This approach is also key when clients face difficult financial decisions about their long term financial security as Michael can confidently help them to identify and achieve the future they want.

Michael can help clients feel in control of their finances and make sense of all their pensions investments and protection polices they have accumulated over the years by presenting them with a simple, well organised tax efficient financial strategy to achieve the life they want as soon as possible.

His clients are:
• Professionals and self-employed people with a pressurised life who need to ensure their own and their children’s future.
• People planning to leave the treadmill, who often don’t know what to do or be next and need to remain financially secure come what may.
• Existing retirees who need to ensure their financial security while helping their children.
• People who have inherited money.
• People planning for later life.

Michael lives in Hertfordshire with his wife Sharon and three young children. He loves taking them on camping holidays in France, Italy and the Peak District to experience the wide open spaces and mountains. He has an interest in classic cars, and to relax he does Pilates and loves gardening.
Joanna Coull
Joanna Coull, DipFA, Financial Planner
Tel. 01494 451441
Mobile. 07850 346959
Joanna started in financial services way back in 1984 which means that many of her clients have been with her for well over 25 years. Straight from a French degree at Warwick University and with no experience or knowledge of being a financial adviser she was happily surprised to discover she really enjoyed the process of helping clients and going on to develop a long-term relationship with them.
She provides truly comprehensive financial planning using a cash flow modelling tool called Truth. Financial planning is all about helping clients achieve and maintain their desired lifestyle with the confidence they will not run out of money or die with too much!
Clients discover that having an understanding of, and taking control of their finances is a fantastically empowering experience and should be one that everyone undertakes.
In her non-working life Joanna is a keen violin player and joins every amateur orchestra she can. She also runs a small professional orchestra based in Taunton in which she is not good enough to play! Her two collie dogs are huge part of her life and a reason to get out in the beautiful Oxfordshire countryside every day come rain or shine.
Mohammed Imran, DipPFS
Mohammed Imran, DipPFS, Independent Financial Adviser
Tel. 01494 451441
Mobile. 07475 577005
Imran began his career in 2006 in the financial services arena after completing his BA (Hons) in financial services from Nottingham.
He joined Chiltern Consultancy after periods of employment with major bancassurers and pension providers.
He chose financial services with a passion to understand how investments worked and the impact money has on people’s lives.
Combining technical knowledge and understanding what is important to a client he finds it especially rewarding to help navigate a plan for the future and help give some level of control.
Imran is a member of the Personal Finance Society of Financial Advisers and the Chartered Institute of Insurance.
A qualified Pension Transfer Specialist and is well on his way to achieving chartered status combined with a very keen interest in global markets, world politics and current affairs.
Outside the office, Imran is a keen sports enthusiast, with tennis, cricket and mixed martial arts a passion.
Richard Harrison FPFS
Richard Harrison FPFS, Chartered Financial Planner / Head of Paraplanning
Tel. 01494 451441
Richard has worked in financial services since leaving school in 1980. Prior to joining Chiltern he worked for an insurance company, a pension trustee company and an independent financial adviser firm.

Since 2008 Richard has worked specifically as a paraplanner, supporting one or more advisers and their associated clients. He joined Chiltern in January of 2014. He achieved his Advanced Diploma in June 2014 and as a result obtained Chartered Financial Planner status. He subsequently, in May 2018, became a Fellow of the PFS and CII.

Richard currently heads up the Paraplanning team at Chiltern as well as providing direct paraplanning support for Mike Foster and is one of the company’s appointed Pension Transfer Specialists.
Outside of the office, Richard enjoys most sports and he embarks on regular walking holidays and in June 2019 “survived” the Inca Trail.

Sue Tokely
Sue Tokely, Senior Paraplanner
Tel. 01494 451441
Sue has worked within the financial services and retail banking sector since 2001, enjoying ten years as a financial adviser with HSBC Bank. She has achieved the Certificate for Financial Advisers qualifications and is currently studying towards a Diploma in Financial Services.

After becoming a casualty of a round of banking redundancies in 2012, Sue took a change of direction to become a paraplanner joining Chiltern Consultancy in May 2013. In this new role she provides full support to the clients of one of the directors of Chiltern Consultancy, Shaun Clarke. Her ten years of experience as an adviser puts Sue in an excellent position to provide exactly the right amount of support at exactly the right time. She continues to build on the existing client relationships and clients really do value her attention to detail and highly personalised communications.

Sue is married with two children. In her spare time she enjoys supporting her daughter in achieving her dancing exams and competing in dance competitions, which takes them all over the country. She also enjoys spending time with family and friends.
Noel McAuliffe DipPFS
Noel McAuliffe DipPFS, Senior Paraplanner
Tel. 01494 451441
Noel has been in the financial service sector since 2002 and first worked for Chiltern Consultancy from 2007 – 2014. After a few years away he returned to Chiltern Consultancy in August 2017 where his financial planning career started all those years ago. Noel became Diploma qualified in Regulated Financial Planning in December 2012 and has also obtained his mortgage and equity release qualifications back in 2009 , he is also a member of the Personal Finance Society and the Chartered Insurance Institute.
Noel is Married with two young children and is a lover of most sport especially football and golf (on a good day). He spends most of his spare time with his family and friends and on occasion does not mind a good Jigsaw puzzle.
Ameen Khan LLB(Hons) DipPFS
Ameen Khan LLB(Hons) DipPFS, Paraplanner
Tel. 01494 451441
Ameen initially decided on a career in law and went to Staffordshire University where he received First-Class Honours (LLB). While in his final year he was working for a solicitor’s firm based in Birmingham. As a result of his experience he felt continuing on to become a solicitor was not the right route for him.
After graduating he moved back home, and was offered a temporary job within a small IFA firm after impressing his employer he was offered a full-time role. This is where Ameen decided working in financial services was the right choice for him and embarked on his career. Since joining Chiltern in 2016 he has subsequently become Diploma qualified and is now aiming to become a Financial Adviser.
Rob Stone DipPFS
Rob Stone DipPFS, Paraplanner
Tel. 01494 451441
Rob has worked in the Finance Services Industry since 2000. The majority of this time was spent in Retail Banking, working his way up from the role of Cashier to Bank Manager. Due to continued changes within the Banking Sector he realised long term career options were limited and decided it was time for a change. He joined Chiltern Consultancy in May 2017, and has recently become Diploma qualified. Rob lives in the local area with his partner and two children. In his spare time he enjoys spending time with his family and friends. His hobbies include going to the gym and the cinema.
Matt Foster
Matt Foster, Trainee Paraplanner
Tel. 01494 451441
Matt started in the financial services industry in 2014. His career started in North Carolina, USA. Matt was a qualified mortgage consultant and worked for firms such as Wells Fargo and Lennar. The roles varied from re-mortgage advice to focusing on developing and strengthening relationships, including increasing production in specified territories. Over the 4 years of working in the industry, he was able to acquire 20+ state licences to conduct business. Now back in England, Matt wants to use his skills gained in America to enhance his knowledge and develop a stronger understanding of the financial services industry.
Matt was awarded a golf scholarship in North Carolina alongside this he completed his B.A. in Business management, and went on to further his education with a Masters of Business Management. In his spare time Matt enjoys playing golf, going to the gym and walking his dog.
Amit Mehta, DipFA
Amit Mehta, DipFA, Paraplanner
Tel. 01494 451441
Amit began his career in financial services 5 years ago and completed his exams in 2016 to become a fully qualified independent financial adviser and is currently working towards his chartered status. He then went on to advise in complex residential, buy-to-let, bridging, second charge and property development finance. He has in-depth knowledge in mortgages, pensions, investment strategies and works hard to provide a high-quality customer focused service. Amit is a very experienced in assisting high net worth (HNW) and corporate clients and focuses on providing a high level of customer service. Outside of the office, Amit likes to play and watch football, visit the gym and spend time with his family.
Sue Foster
Sue Foster, Office Manager
Tel. 01494 451441
Sue joined Chiltern Consultancy in 2001 and is now the Office Manager. Sue began her career working with a Marketing Agency, before moving to become PA to the Sales Director of Ariston UK, who were based in High Wycombe. A career break was taken when Sue wanted to look after her children and has the unenviable position of being the long suffering wife of Mike Foster, which acts as clear evidence of her strong character!

Outside of work Sue has become very involved with the ‘Hearing Dogs for the Deaf’ and looks after the dog allocated to her whilst specialist training is provided, which will eventually see the dog placed with someone who requires it for companionship, safety and awareness. Sue feels this is particularly rewarding and has kept in touch with the recipients of the dogs she has looked after.
Stacey Platt
Stacey Platt, Administrator
Tel. 01494 451441
Stacey started working with Mike Foster in September 2000 and when Chiltern Consultancy Ltd was formed in 2003 she became part of the administration team. On a day to day basis she is responsible for all bank account reconciliations within the firm and for keeping all records up to date ready for submission to the bookkeeper and payroll. In addition to dealing with the income control and allocation Stacey also provides general administration support for the directors and advisers alike.

Prior to working with Mike and then Chiltern, Stacey worked as a buyer for Johnson & Johnson for many years before starting a family. She enjoys keeping fit and healthy and belongs to a local gym where she regularly attends various exercise classes. When she is not in the gym or at work she enjoys holidaying with her family at her house in Bulgaria.
Estelle Burnard
Estelle Burnard, Administrator
Tel. 01494 451441
Estelle started working at Chiltern Consultancy in September 2006, joining a school friend, Stacey Platt, in the office admin team. After 9 years in this role, in July 2015, Estelle moved positions within the firm to join Angela Dickson on the corporate pension side of the business.

Her new role is focussed solely on making sure that corporate clients that we have advised and implemented a new ‘workplace pension’ scheme for, meet all aspects of what is required by The Pensions Regulator (TPR) at all times. In relation to these types of pensions there is some very specific administration needed at the point the scheme is set up and on an on-going basis. Employers must adhere to these requirements in order to remain compliant with the ‘workplace pension’ rules and that is where Estelle comes into her own.

Estelle’s work background before Chiltern Consultancy was in bookkeeping/accounts administration, something that has proven extremely useful in her new pension administration role.

Estelle is married with 2 grown up sons and outside of work she enjoys walking her dog and weekly Pilates.
Robin Madden
Robin Madden, Client Relationship Manager
Tel. 01494 451441
Mobile. 07916 279502
Robin's financial services career started in January 1984 as part of Providence Capitol, who were then later bought by Old Mutual in 1986, through an era of change in Financial Services Robin became an Independent Financial Adviser in 1998. Happily married to Dee (Davina) with two, now grown up children, Byron and Savanna. Both Dee & Robin live in Worthing on the South Coast.

Having known Nick Kidby and Mike Foster for some 30 years through his career at Providence Capital / Old Mutual, Robin was asked if he would consider joining Chiltern Consultancy to provide Nick support with help to build and develop client relationships. This he eventually did, joining Chiltern Consultancy in February 2017 eager to continue his career supporting Investment and Retirement needs with successful self-employed or small Limited Company’s business owners. Nick and Robin take pride in providing a logical common-sense approach by developing solutions for those clients that require flexibility so they can make the best choices for their future.

Robin’s hobbies involve some sport (but he says he must be practical at 60!) he manages to find time to walk, enjoy his gardening, cooking with Dee as well as their love of Foreign Travel, not forgetting Grandpop’s duties with his 13-month-old Grandson Teo!
Hannah Sainsbury
Hannah Sainsbury, Receptionist & PA to CEO
Tel. 01494 451441
Hannah, originally from Kent started her working career in a hotel near Gatwick Airport where she worked as a Guest Service Assistant. The role was simply to allow her to save up and go travelling but after being promoted twice within a short period to Reception Supervisor and meeting her now husband, travelling went out the window and she got married instead! From there she moved to London and worked as a Receptionist and then Office Manager at a Marketing and Advertising Agency in Marylebone. In this role Hannah got very involved in the company’s social committee, in which she planned their Christmas parties, Summer away days and other events throughout the year. This in turn sparked her interest in working in an events role. She and her husband then moved to High Wycombe and Hannah moved back into the hotel industry working as a Meeting and Events Sales Executive near Windsor. In 2016, she gave birth to a baby boy and after going on maternity leave decided to take some time out to raise her son. Hannah then joined Chiltern on a part time basis in March 2018.
Outside of work she loves spending time with family & friends, walking her slightly loopy Chocolate Labrador and going on holidays that make up for not going travelling. So far managing to tick 26 countries off her ever-growing list. She is also a keen photographer and has completed a silver jewellery making course.
Carole Wilson
Carole Wilson, Receptionist
Tel. 01494 451441
Carol began her career as a Pharmacy Technician but she decided to take time out and travelled across the USA for 7 months. During this time starting in New York, she managed to visit Chicago, San Francisco, Hawaii, LA, New Orleans, Florida, Mexico finishing with a trip to the Bahamas.
She then set up home in San Francisco and lived there for almost 10 years. While living in the US she worked in various roles, starting (as most Americans do) as a waitress, going onto become the manager of a small Italian restaurant. She took a change in career and began work in a Real Estate office, as a Property Manager Co-ordinator, then moved on to become a Resident Manager of a 52 home Condominium complex.
In 1993 she moved back to England with her twin daughters and met her husband and now has a son.
In April 2018 Carol joined Chiltern Consultancy on a part time basis as a Receptionist.
Carol likes to socialise with friends and family, is an active member of her village Fayre committee and still has a love of travel and takes advantage, as much as possible, to visit parts of the world she hasn’t yet seen.

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