A healthy outlook

In the 18 months prior to June 1994, the company now known as PMI Health Group lost £550,000. With a head count of 45 and a yearly turnover of £1.2m in commission, it would have been forgivable to predict its demise.

Chris Baldwin, father of current chief executive officer Matthew Baldwin, was the company's landlord. Having made a success of concrete and fencing businesses, you could also be forgiven for asking why a man with no previous financial services experience decided in June 1994 to

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