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about us

Innovation, knowledge, expertise and experience are hallmarks of charles & stuart.

Established in 1985, we are a highly focused, boutique agency delivering quality advice, tailored solutions and premier client service. our team of property professionals has more than 100 years’ experience across all sectors of the property industry and, in particular, residential development.

Our fully integrated range of services include:

   site identification and sales
   project marketing
   general agency sales
   property management
   building management.

The depth of our knowledge and capabilities is borne out by a strong portfolio of developments throughout sydney, with which we have been intimately involved.

Providing ‘off the shelf’ solutions isn’t what charles & stuart is about. we consider each development based on its individual merits, our clients’ requirements and the market conditions, and then we develop a tailored solution.

CASE STUDIES

charles & stuart‘s diverse range of services allows us to take a unique approach to different developments and in doing so, market our client’s assets in the best possible way.

Here’s just a few case studies highlighting our role and results achieved:-


Edgeview

508 Riley Street, Surry Hills NSW


The Brief

Charles & Stuart was contracted to undertake marketing prior to commencement of construction until completion of the project.

The APPROACH

As presales were paramount to the success of Edgeview, Charles & Stuart developed a comprehensive marketing campaign to achieve this. Integral to this was establishment of a large display suite in Cleveland Street, just a short stroll from the actual site. The strategy also involved the creation of extensive marketing materials, including a video to help ‘paint the picture’ for potential purchasers, a model of the development, floor plans, price lists, brochures, finishes boards and contracts. After the Cleveland Street display suite was closed, marketing was put on hold until Edgeview’s completion in 1999, when Charles & Stuart established an on-site display suite featuring a studio and one bedroom apartment.

The RESULT

By canvassing the existing Charles & Stuart database and buyer registrations, Charles & Stuart achieved 60 per cent presales before the builder was contracted to commence work on Edgeview. Throughout the campaign, Charles & Stuart continued to monitor the property market, from commencement to completion of the development, and as a result was able to implement several price increases to reflect trends. The agency also overcame issues associated with the development’s location opposite a large Housing Commission complex. Upon completion of Edgeview, Charles & Stuart was contracted by investors to lease their apartments. Even today, the agency maintains a strong interest and link with original purchasers, many of whom have subsequently purchased apartments in other developments being marketed by Charles & Stuart.


Huntley Green

177‐219 Mitchell Rd, Alexandria NSW


The Brief

The developer approached Charles & Stuart to source a joint venture partner for Huntley Green which was a mix of 164 one, two and three bedroom apartments. Through negotiation a prominent Asian investor/developer was located who committed to purchase a large number of the apartments. As a result of this commitment the developer was able to commence. Charles & Stuart were commissioned to market and sell all apartments.

The APPROACH

Huntley Green at this point was positioned to become the first residential landmark for the area, which up until that point was a heavy industrial suburb, with strong ties to the working class communities. A marketing campaign was designed to embrace the inner city lifestyle and the changes that was to beset the area. TV and printed media as well as a strong editorial presence was utilised to push the message. The sales campaign for investor and developer alike was a major success. Laying the ground for the next stage Sydney Park Village.

The RESULT

Fifty per cent of the units needed to be pre-sold in order to secure construction financing and Charles & Stuart achieved this within three months of beginning its marketing campaign. Typical purchasers of the apartments included parents looking to establish their children. Charles & Stuart also sold the historical building to an accountancy practice. Overall, the project was deemed to be highly successful and led to a new sales benchmark for the area.


Portico

2 York St, Sydney NSW


The Brief

The original developer Wespoint had failed and receivers were appointed by the banks to oversee the completion of the project with a view to completing the sales and marketing. The challenges in the marketplace were one of market perception and confidence. Portico needed to be repositioned. After several agency submissions Charles & Stuart were appointed to manage the marketing and sales.

The APPROACH

Portico brought a fresh new approach in upscale urban architecture. A bold transformation of the historically significant Scots Church resulted in a choice for buyers of one, two and three bedroom apartments of unrivalled individuality, Great care was taken to ensure spaces were responsive to modern living with every aspect of each apartment offering timeless sophistication.

An aggressive CBD and CBD fringe marketing campaign ensured that awareness of the property in the local area was high. This was then supplemented with a campaign that targeted the Charles & Stuart database, a newspaper blitzkrieg targeting ‘’ready to buy’’ investors, and a style magazine campaign targeting those wanting a New York apartment in the heart of Sydney. The marketing strategy included an on-site sales display suite, development of brochures, local area direct mail drops, website and editorial generated by media releases.

The RESULT

Charles & Stuart were appointed by the Receivers and Managers Ferriers to assist with the sales and marketing after the failure of the builder/developer Westpoint.

The project although substantially completed was adversely affected by market perceptions. Charles & Stuart repositioned the development and successfully marketed and sold all remaining residential and commercial lots, maximizing the receivers and investors returns.


The Charlotte

38 Mary Anne, St Ultimo NSW


The Brief

Charles & Stuart was contracted to undertake marketing and sales of these stylish boutique apartments. The Charlotte, contained 59 luxuriously appointed one and two bedroom apartments all with designer kitchens, marble bathrooms, private balconies or terraces and security parking. Within walking distance of Sydney’s educational institutions and the CBD, The Charlotte was a rare lifestyle find for the fortunate few.

The APPROACH

A targeted print campaign supplemented with local area marketing initiatives and an aggressive CBD and CBD fringe marketing campaign ensured that awareness of the property was high. Further marketing to the Charles & Stuart database and to those who has expressed interest in living close to Sydney’s entertainment precinct ensured high demand for the apartments.

The RESULT

Charles & Stuart as a result of repositioning the branding and positioning we were able to identify the correct market and sold all the apartments.


Diseno

161 New South Head Rd, Edgecliff NSW


The Brief

Charles & Stuart was commissioned as exclusive selling agent to market and sell the apartments.

The APPROACH

Charles & Stuart was faced with two distinct challenges. Firstly, the site’s proximity to the Eastern Suburbs rail line and the main road artery of New South Head Road needed to be addressed with each individual purchaser. In addition, the developer required a 40 per cent presale to initiate the development. To achieve this and to maintain momentum throughout the entire construction campaign, Charles & Stuart developed a multi-pronged marketing strategy, with a strong focus on PR and investment sales.

An integral part of the strategy involved the agency’s well-established database, which over the years has been created from buyer registrations and expressions of interest. An onsite display was also established, and equipped with finishes boards, floor plans, models, video, sales brochures, depreciation estimates and price lists.

The RESULT

Charles & Stuart maintained liaison with all purchasers until completion of Diseno. The agency also communicated extensively with the developer at site and marketing meetings, providing regular updates on the state of the market. As a result, pricing was adjusted to ensure Acer Developments was in the optimum position to capitalize on rises in the market. In marketing Diseno, the key strategy involved seeing the development through from the sales campaign until the final unit sale had been completed. It’s a strategy which continues to be an integral part of Charles & Stuart’s way of operating.


Beau Monde

77-81 Berry Street, North Sydney NSW


The Brief

After identifying the site in 1996 for Eastmark Holdings, Charles & Stuart was retained as a consultant to advise on apartment composition and internal design. The agency played a major role with the development, which, in addition to reviewing designs and apartment composition, included consulting on finishes and appointments. In order to commence construction, the developer required presales of at least 50 per cent and Charles & Stuart had exclusive responsibility for the marketing and sales to achieve this goal.

The APPROACH

For such a landmark project, an innovative, multi-pronged marketing strategy was imperative to create awareness of the development. This combined PR, advertising, website, database marketing and direct mail. Two large display suites with superior finishes were created to reflect the range of apartment configurations. And in a world exclusive, designer Ralph Lauren was signed to furnish and accessorise two of the penthouses. The strategy also involved production of ‘BM’, a glossy magazine with dedicated photography and articles on the development, area, growth potential, purchaser case studies, and profiles on Shoppingworld stores (at the base of Beau Monde). In addition, media releases were distributed to target media, resulting in significant editorial coverage.

Following creation of the sales display, Charles & Stuart’s database was exclusively targeted with exceptional marketing material. This initial approach involved meeting with prospective purchasers on an appointment basis, reviewing the development and formulating their buying intention. All buyers were pre-briefed on the project via an interactive website. In addition, solicitors and contracts were made available on the day, and if an apartment was desired a contract had to be executed on the spot with a $5000 deposit and the 10 per cent balance payable within 10 working days. A cooling off period applied to each of the executed contracts.

The RESULT

Within just three days of Charles & Stuart commencing the marketing program, contracts worth $53 million had been exchanged, which greatly exceeded the developer’s initial expectations. And by the time construction commenced, more than $100 million had been exchanged. The project was completed in 2004 and Charles & Stuart continues to maintain a strong marketing presence, handling re-sales and property management for investors. Throughout the marketing campaign, communication was a strong tactic, and Charles & Stuart maintains this by regularly liaising with Beau Monde purchasers – both owner occupiers and investors.


Sydney Park Village

177-219 Mitchell Road, Alexandria NSW


The Brief

When it was found that the developer, Addenbrooke, sought a joint venture partner to proceed with the initial stages after receiving approval, Charles & Stuart introduced Ausasean (later Carrington Capitol) to participate with the first two stages. It was essential that the first stages of Sydney Park Village, was launched onto the market with maximum impact to ensure ongoing sales, and this is where Charles & Stuart demonstrated its outstanding marketing capabilities.

The APPROACH

Charles & Stuart conducted a campaign which addressed the local, national and international markets, and took responsibility for producing all marketing materials and strategies. It also dealt with all national and international agencies. An onsite display apartment was constructed and staffed seven days a week and seminars promoting the development were held in Singapore, Jakarta and Perth. Charles & Stuart capitalised on all available marketing opportunities to ensure the project received maximum exposure in the appropriate markets.

The RESULT

Within six months, 80 per cent of Stage One was sold and the marketing for stage two was initiated. Following Charles & Stuart’s effective marketing campaign, a 100 per cent success rate for the sale of the apartments was achieved within three years.


Clarence

259 Clarence Street, Sydney NSW


The Brief

Charles & Stuart was involved with Clarence throughout its interesting history. The agency was initially appointed as exclusive marketing agent by the original developer, and was then reappointed as selling agent by the receivers. Due to the extended construction, all original contracts lapsed and the new commission involved a relaunch and fresh campaign.

The APPROACH

Charles & Stuart developed a comprehensive marketing strategy, which included establishing an onsite display suite, developing the branding and organising all marketing materials such as models, floor plans, brochures and imagery. A PR campaign was also developed, with the focus on the fact the development was a boutique warehouse conversion in a prime CBD location. Several articles subsequently appeared in the Sydney Morning Herald, Sunday and suburban newspapers. Charles & Stuart also undertook local advertising and database marketing.

The RESULT

The original campaign resulted in Charles & Stuart selling 18 of the apartments, with contracts issued on the retail space. The second, freshlydeveloped campaign resulted in another 18 apartments being sold, and Charles & Stuart continues to maintain a strong marketing presence.


Marquis

200 William Street, Woolloomooloo NSW


The Brief

Charles & Stuart was retained to assess the market for unit sales in order to determine the best way to sell Marquis. Once this strategy was agreed upon, the agency then carried out a broad-reaching marketing campaign.

The APPROACH

After undertaking extensive market research, the decision was made to sell the apartments on completion of the development, in order to maximise capital returns. A one bedroom display was created and striking sales signage was placed on key areas of the building to maximise its exposure to the public.

Charles & Stuart also conducted an advertising campaign that focused heavily on the investor appeal of the apartments. In addition, a comprehensive website was constructed which provided information on the development to target Internet users, and mailings were made to the Charles & Stuart database. Individual sales plans and views were also prepared to enable each sales prospect to view the apartment and its aspect online prior to inspecting it in person.

The RESULT

The final development, which included two penthouses, three studios, nine two bedroom and 24 one bedroom apartments, was successfully sold by Charles & Stuart.


Observatory Tower

168 Kent Street, Sydney NSW


The Brief

Observatory Tower was originally launched for sale with a few conjunctive agents. Impressed by Charles & Stuart’s work with developments including Huntley Green in Alexandria, the Charlotte in Ultimo and The Goldsbrough at Darling Harbour, the developer of Observatory Tower appointed the agency to coordinate and focus the sales team and reinvigorate marketing following completion of the building.

At the time of Charles & Stuart’s appointment, around 40 per cent of the apartments were still available. For Charles & Stuart, Observatory Tower was a prestigious appointment which highlighted the agency’s ability to supervise and coordinate other agents, as well as administer upmarket projects.

The APPROACH

For the marketing campaign, Charles & Stuart prepared and organised all agents and open for inspection times, in addition to coordinating display apartments, advertising, local and international marketing, defect administration, sales advice administration and price negotiations.

The RESULT

Charles & Stuart was contracted until the completion of all sales. The calibre of work and commitment from the sales team resulted in the developer appointing Charles & Stuart exclusively to market Sydney Park Village.


Carlisle

105-113 Campbell Street, Surry Hills NSW


The Brief

Charles & Stuart was contracted by the developer as a result of the agency’s performance on The Goldsbrough at Darling Harbour. Charles & Stuart was appointed as co-agent and was responsible for overall coordination of the marketing in addition to any other agents’ interests.

The APPROACH

Prior to the launch, Charles & Stuart was involved in developing and implementing the comprehensive marketing strategy. This included preparing an onsite display location, branding, and organising all collateral encompassing plans, sales kits, brochures, and images. Charles & Stuart was also closely involved in the advertising campaign and preparing media schedules. With everything in place, the launch of Carlisle was made to each agency’s respective databases.

The RESULT

The necessary pre-sales were achieved within six months. Charles & Stuart maintained the energy required to complete the development, and as a result was appointed exclusive agent by completion of Carlisle.


The Huntley

165 Victoria Road, Gladesville NSW


The Brief

Charles & Stuart was instrumental in advising on the design of the apartments, as well as their saleability, demand and longterm management structures. The agency also appointed the builder and administered the marketing and sales activities.

The APPROACH

Prior to commencing marketing, the residential property market was softening. Charles & Stuart’s research showed strong local support and urged an immediate campaign. Hence, significant market research was carried out on apartment sales in the area. As a result, an aggressive local marketing campaign was conducted in tandem with a campaign that targeted the Charles & Stuart database.

Charles & Stuart launched the campaign after identifying that the area was on the brink of massive growth and the fact there was a distinct undersupply of well designed, quality studio and one bedroom apartments. This fueled interest among both owner occupiers and investors. The marketing strategy included an on-site sales display suite, development of brochures, local area direct mail drops, website and editorial generated by media releases.

The RESULT

Fifty per cent of the units needed to be pre-sold in order to secure construction financing and Charles & Stuart achieved this within three months of beginning its marketing campaign. Typical purchasers of the apartments included parents looking to establish their children. Charles & Stuart also sold the historical building to an accountancy practice. Overall, the project was deemed to be highly successful and led to a new sales benchmark for the area.


Excelsior

242 Elizabeth Street, Sydney NSW


The Brief

Charles & Stuart was initially appointed in conjunction with another agent, and within three months was appointed as sole sales agent.

The APPROACH

Initially a sales display office was established opposite the site, with the joint agents preparing the site with plans, furnishings, display models, renderings, floor plans, imagery, brochures and pricing. Upon appointment as sole agent, Charles & Stuart conducted the marketing campaign on a local and international level. Sales promotions were run through the local media, coupled with presentation videos, which were prepared and released for public information.

The RESULT

Initial feasibility studies conducted at the time of the site purchase provided for $25 million in sales. On completion of the project, more than $35 million in sales was achieved.

Charles & Stuart was stood down on the marketing prior to completion and reappointed within two months of completion to complete the task. During this period, Charles & Stuart remained committed to the developer and the project and when asked to participate in reselling, committed expertise and resources without question.


Eversleigh Estate

1-3 Coronation Avenue, Petersham NSW


The Brief

Charles & Stuart was instrumental in locating and negotiating the sale of the site to the developers. The agency subsequently supplied a brief on apartment composition, pricing and appointments and was awarded exclusive rights to the marketing and sale of the residences.

The APPROACH

Similarly to Beau Monde, Charles & Stuart created a dedicated website which provided comprehensive information about Eversleigh Estate. The team also organised brochures, floor plans, photography, signage, onsite display suite and general information packs. For the final sales push, Charles & Stuart organised the styling and furnishings for the display apartment. A comprehensive advertising and PR campaign was executed, which included placing advertisements in local and metropolitan newspapers and distributing media releases to target journalists, which resulted in significant editorial coverage.

On completion of the website, an email was sent to Charles & Stuart’s database, inviting potential purchasers to view information about Eversleigh Estate online and then make an appointment for the ‘VIP day.’ On the day, solicitors and contracts were made available. To secure an apartment an exchange had to be effected immediately, with a five-day cooling off period being provided.

The RESULT

The VIP preview resulted in the exchange of 53 apartments prior to the property being offered to market for general sale. Following completion of the development, Charles & Stuart organised liaison with purchasers, attended to all final inspections, compiled defect reports and issued these to the vendors’ builders. All apartments were successfully sold by Charles & Stuart.

Charles & Stuart property managers subsequently established themselves onsite, seven days a week until all remaining available apartments were leased. The agency continues to maintain a strong property management presence.


Centro

424 Elizabeth Street, Surry Hills NSW


The Brief

The developer originally intended retaining the apartments as a long-term investment. However, when it came close to completion of the project, the developer consulted with Charles & Stuart on the market status and future prospects and, as a result, elected to offer the apartments for sale upon completion of the project. Charles & Stuart was exclusively retained as sales agent.

The APPROACH

As apartments weren’t offered for sale until Centro was completed, Charles & Stuart established an onsite display suite. In addition, the agency developed a local promotional campaign, with a strong focus on ‘value for money.’ All marketing materials were prepared by Charles & Stuart, and the project was initially launched to the agency’s database followed by the general public.

In addition, media releases were sent to local and metropolitan journalists, resulting in significant coverage.

The RESULT

Interest was very strong, and within four months of the initial launch, all apartments had been sold.


Croftwood

5 Hannah Street, Beecroft NSW


The Brief

One of Charles & Stuart’s major responsibilities was consulting on the best way to achieve a retail and residential mix within the development. Because such a concept was new to the area, this led to many challenges.

The APPROACH

Given the ageing but affluent population of the area, it was decided to market quality apartments that offered superior size, finishes and appointments. With the ageing demographic in mind, a lift was installed and all stairs were removed. Keeping local residents informed of the development’s progress was also a key strategy and Charles & Stuart implemented a marketing campaign that had a strong local focus and included door knocking all 76 shops in the area. The campaign also made strong use of internet advertising, local newspaper advertising, PR and brochures.

The RESULT

So successful was the marketing campaign that Charles & Stuart implemented, that four of the five shops being developed were sold to local proprietors prior to construction commencing and a local restaurant operator bought the Post Office. Charles & Stuart’s marketing strategy led to a record price of $970,000 being achieved for a three bedroom apartment. A two bedroom apartment sold for $750,000 – again well above expectations.


Project Marketing

Charles & Stuart understands Residential Project Marketing. This highly complex sector requires experience, innovation and knowledge. Charles & Stuart has literally sold thousands of residential apartments by taking a fully-integrated approach.

Our dedicated marketing team is focused on maximising client returns, and achieves this via a tailored marketing campaign encompassing innovative techniques designed to source buyers from throughout Australian and international markets.

Our capabilities encompass:

  • Market research
  • Site and project analysis
  • Consultation on design, finishes and pricing
  • Coordination of all marketing consulting services
  • Development and implementation of marketing strategies (branding, advertising, database marketing, direct mail, display units, PR)
  • Liaison between developers and potential buyers
  • Ongoing market response and sales monitoring
  • Onsite finance
  • Owners Corporation negotiation
  • Management of sales through to settlement
  • Handover packages
  • By Law input
  • Facility Management Advice

PROPERTY MANAGEMENT

Property Management is a vital part of Charles & Stuart’s service offerings.

Our specialist property managers are committed to ensuring investors’ returns are maintained at the highest level by finding the best tenant, maximising occupancy rates and rental income and maintaining our clients’ assets.

We have invested extensively in the latest property management computer systems, to ensure landlords and tenants are provided with a detailed reporting service.

We apply a Total Property Management strategy including:-

  • Tenant selection
  • Tenant credit checks
  • Regular property inspections
  • Coordination of all marketing consulting services
  • Legal documentation
  • Rental administration
  • Regular market rental reviews and property maintenance

We also attend Strata meetings for the majority of our clients to ensure their interests are protected.

Charles & Stuart’s specialist Property Management team manages more than 900 properties ranging from studio and one bedroom apartments to multi million dollar executive residences.


Site Identification and Sales

Charles & Stuart has a keen eye when it come to identifying suitable development sites.

We play an active role in the negotiation, purchase and successful finalisation of site amalgamations and subsequent sales.

Attention to detail is crucial – hence we undertake extensive research, feasibility studies, and an analysis of market trends. Once we have a clear picture of the landscape, we then develop and implement innovative sales strategies to maximize results.

We have also established a strong network of contacts over many years including developers, international investors, and members of the banking and finance sectors.

Our expertise has seen the successful handling of sites ranging from $750,000 to $27.5 million including:-

  • Caltex House, Kent St, Sydney
  • Lumiere, George Street, Sydney
  • Bridgeport, Bridge Street, Sydney
  • North Sydney Shopping World, Berry St, North Sydney
  • Alta, Goulburn St, Surry Hills
  • Excelsior, Elizabeth St, Sydney
  • Hyde Park Regency, Elizabeth St, Sydney
  • Evesleigh Estate Petersham
  • Edgeview Riley St, Surry Hills
  • Randwick Plaza, Belmore Rd, Randwick

General Agency Sales

Charles & Stuart’s General Agency specialises in marketing individual residential properties, ranging from high and low rise apartments, luxury penthouses and prestige homes.

Our team of skilled and experienced professionals is driven by results, not turnover, and as such we are not tied to any one form of marketing. We assess each property individually and will advise which method to use depending on current market conditions, the property’s ‘individuality’, and our vendors’ needs and expectations.

Our services include:-

  • coordination of all marketing activities,
  • inspections by potential purchasers
  • monitoring the implementation of all legal and contractual requirements
  • liasing with tenants
  • Editorials

With an increasingly competitive real estate marketplace, the onus is on innovative marketing to ensure a property stands out. As such, we tailor effective and cost effective campaigns utilising a proven combination of internet promotions alongside traditional marketing strategies, all designed to maximise exposure.

Negotiation also plays a large part in our strategy, particularly in more difficult markets, and our success is evidenced by the fact that most of our business comes through reputation, referrals and repeat business.


Charles & Stuart identified a need in the marketplace in the late 1990s for a professional building management company to ensure the dreams of purchasers and developers became a reality after the sale was made.

As a result, a sister company Building Management Australia (BMA) was set up to provide onsite facilities management services in the larger residential or commercial strata plans.

For more than six years, BMA has been managing complexes from as small as 65 lots to as large as 590. Current complexes in the portfolio include:-

  • Motto, Erskenville
  • Beau Monde, North Sydney
  • Carlisle, Surry Hills
  • Edgeview, Surry Hills
  • Hereford Court, Glebe
  • Balmain Cove, Balmain
  • The Aston, Sydney… and many more!

With this relationship Charles & Stuart can draw on the experience of BMA for its management and maintenance skills. It allows for input and invaluable support to developers in areas such as product reviews, legal requirements, security, management structures and defect administration.

* For more information on BMA see www.bmaus.com.au


At the end of the day, no matter what promises, assurances or guarantees are made, it comes down to people – or more so, the people behind those promises.

Andrew & Luke Veron have built a strong and credible business over 30 years.

Andrew Veron is the inspired and highly motivated leader of Charles & Stuart, which he established in 1985. He oversees the company’s operations, with a key focus on strategic direction. Andrew’s expertise, gained over 30 years in real estate and property marketing, is highly valued by both clients and the Charles & Stuart team. He is very driven and sets high standards for his team and himself.

“I’ve always concentrated on consistency and have been prepared to innovate. I don’t wish to be the largest agency, just the best”, he admits.

Andrew is results oriented and thrives on building long term relationships that benefit both Charles & Stuart and its clients. It’s why Charles & Stuart is one of the area’s most prominent agencies.

Luke Veron began his Real estate career in 1984 working at Laing and Simmons Kings Cross. He initially worked in property management and went into sales within 18 months. In 1985 he started what is now known today as Charles and Stuart Real Estate with his brother Andrew. The company has specialised in project marketing and brokering development deals for their clients.

Over the years, Luke has been involved in the purchase and redevelopment of numerous sites in Sydney including projects like the development of 122 units at the old International Grammar School in Riley Street Surry Hills. He has also specialised in buying existing blocks of units and then renovating, strata and reselling.

When you’ve been in the property business for as long, it’s no surprise that you know a thing or two about property, what works, what doesn’t, and most importantly how to provide the very best service to your clients. For Charles & Stuart, a key focus is cultivating strong ongoing relationships with our clients -relationships built on mutual trust.

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