| MICHAEL HORBOWYJ |
| Senior Consultant |
|
Michael's Financial Services career spans 22 years working in the U.K. for Legal & General before joining Scottish Amicable, where he had been for the last 13 years, until he moved to Portugal in 2001. |
| He was previously been advising clients on Investments, Savings, Tax Planning, Life Assurance, Pensions and Mortgages, now making his wealth of experience available to the ex-patriot community in the Algarve. Michael was fully qualified to UK Personal Investment Authority standards (full FPC) and is a competent Mortgage Adviser. |