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Thanks - indeed, we have at least one local charity dating back to William of Orange that once owned large tracts of the village Many others had what were large amounts at the time but are now so small that they get rolled up into one main charity.
Now I have to find out more of the man and how he amassed his fortune. Presumably trade with Canada/Newfoundland or Caribbean.
Indeed, genealogy does take you to some strange discoveries

Hi, my Family Tree building exercise has reached back to the Joseph White (mothers maiden surname) Jeffery, brother of John Jeffery, MP and Consul General in Portugal and relatives...
Jeffery’s family (said to be Quakers) were involved in the Newfoundland trade from Poole. His son was appointed to the lucrative collectorship of customs at Halifax, Nova Scotia in 1802. They seem to have also been established at Trinity, Labrador & Newfoundland (then not part of Canada).
Now Joseph White Jeffery Born as Joseph White Jeffery in Newfoundland, he changed his name to Joseph Jeffery Orchard in 1807.

Why? In my (limited) experience, surnames are usually changed due to a male line in a related family dying out and a stipulation in a Will that the benefactor change their surname to keep it in existence.

Joseph Orchard (1790-1847) was born Joseph White Jeffery in Newfoundland, and changed his name in 1807. In that year he was commissioned as an ensign in the Bengal European Regiment, rising to the rank of brevet colonel in 1846.

So, what happened in 1807 for the Jeffery family to change to Orchard?
I've tried as best I can to find any "Orchard" family that could be connected and gone back to 1665 in the Jeffery line but can't (yet) find any Orchard intermarrying...

Can any super brain find the connection for me?
What other reason (avoiding debt? ) could there be as I can't see that being successful in an Army career, especially with awards and promotions.

Thanks in advance while I cool my single grey brain cell down

Thanks ShaunJ: but only Stuart link was from Molly's father.
I believe her Birth Certificate is on the lines of a duplicate and not the usual form, and many years later, possibly when marrying the first time. I need to do some digging to locate it again.

I've yet to find how the "Stuart" link arrived, doesn't seem to be earlier than Douglas William.
Very interesting Indian Army connections, Orchards, Fishers etc etc. Lived a high old life under the Raj!
Initially I had hoped it might have been a clue to her birth mother, but she has no liking for bagpipes

Thank you all, and as you'll see from my previous post of 2 years back, there was a wonderful discovery.
Situation is that my wife wants to know her background, but doesn't necessarily want to know the answer(s) so I'm the filter, to assess what might be found. I can always say "Nothing came of it" if necessary.
As you will note, I can't be sure of her actual details, name and even DoB may be wrong, but I have to use what there is. I don't even know if there was any formal adoption with paper records, back in WW2 I'm sure it was easy to disguise how 2 children could be absorbed.
I know from my own fathers background how convoluted family history can be.
So I might be opening a can of worms, but... hope springs eternal...