“H D and W” 
I wrote these letters on to my desktop perpetual calendar …. 30 years ago today. 
They aren’t the initials of any family members, they’re not alluding to the name of my Firm, it was a simple abbreviated / coded message to myself, a message which has remained in front of me, every day, for three decades. 
This memorandum was a psychological and unconscious reminder that every working day has to be productive and that I have to achieve something. 
H D and W …….. Head Down and Work 
And I have tried my best to strive to focus on what's required, to set my sights on my personal goals, and to grow a business which supports me, my family and the people who I work with and their families. 
Thirty years of immense extremes, many highs, lows, ups and downs. Smooth travels and bumpy rides. Legal wrangles, staff issues, office moves, as well as meeting the most brilliant people in my profession who I have worked with, too. I have spoken with thousands of Clients and the feedback has been so lovely. National awards, industry accolades, professional affiliations … I have so many memories.  
This has been a career which has now spanned, so far, a full 30 years, self employed the whole time, and intrinsically I have remained as positive, relentless, full of aspiration, and I have been as ambitious and driven as I could possibly be. 
Through rollercoasters of changing political climates, economies, budgets, market changes, regulator changes, lender, insurer, products, criteria and policy changes, I haven’t stopped learning, adapting and looking forward to how to overcome and succeed. My role as someone's adviser is a privilege and I have built a reputation for not being a salesman, but instead having a long term Client-Adviser relationship, and I still have many Clients from more than 20 years ago, who I continue to work with regularly, and I take that as a massive compliment.  
So, to anyone who thinks that self employment is to be avoided, I say that this, based on my own personal experience, is the only way to achieve job security, as long as you have an open mind, you're honest, have an ethical integrity, and a positive attitude. To anyone who says that running a financial services business is difficult, I say that you are absolutely right, however, the joy of getting up and starting each day knowing that challenges are actually opportunities, and for me, aiming for and accomplishing higher standards of goals has been exhilarating. To anyone who says that 30 years in one job is too much, I say that every day has been different, every person I work with is individual, every mortgage and insurance arrangement that I have helped people to secure has been hugely satisfying. 
And to everyone who has been part of my 30 year financial services career, whether you have been one of my Clients, a provider partner, a compliance colleague, an industry associate (I don’t have competitors, just friends who work with different Firms), my staff or my team of Brokers (past and present), I truly do thank you for helping me to see the good, the not so good, and the light to pursue this wonderful adventure. 
At 57 years old (tomorrow!), I hope that I have the health to continue for many more years to come too. 
Tempus fugit, 30 years, wow, I wonder what the next decade or so will bring. 
I wish you all a happy, healthy and prosperous new year, and long term career. Now ... H D and W. 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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