Tony Larkins Staff at Beacon Wealth held one-minute silence in November last year. - Credit: BEACON WEALTH To state the obvious, Covid has certainly made the last 12 months' finances a lot harder than in previous years. As someone who owns a number of different companies, I have seen the demands made on both companies to survive, and the hard work many individuals have taken on under extreme circumstances. I also felt the pain of those who moved to furlough and, in some cases, lost their jobs. Tony Larkins is the owner of the Beacon Wealth Group. - Credit: BEACON WEALTH