I have known Jonothan McColgan for over 14 years when I met him at Regency Financial Advisors. He subsequently left them and set up his own business as Combined Financial Services and I moved my account to his company. During the previous years he has helped me manage both mine and my wife’s financial affairs and recently, after my father’s death, he has helped planning the finances for my mother's long term care needs. During this period I have found Jonothan to be most helpful and understanding of our situation to provide the right solutions to address our income, capital, tax and estate planning needs. He has also helped me with advice for a pension scheme for one of the companies I advise. In summary, I find Jonothan to be very knowledgeable of the market situation and being able to advise on a solution to suit individual needs.

For several years now Jonothan has helped me with the complexities of a multiple pensions portfolio and other financial challenges both personally and in my business. He has gone out of his way to not only offer excellent advice and solutions but to never let go of our changing personal and business needs. He remembers milestones, he updates me on relevant legislative changes and has been a clear and tough mentor on critical business challenges. He listens, remembers and above all follows through on everything we decide upon. Bottom line. - I rely on his advice and trust him implicitly.

For many years now our financial adviser for both our personal affairs and our business matters has been Combined Financial Strategies. Jonothan has our complete trust and respect, which he has earned over the years in many ways. His areas of knowledge are vast and we can move from pensions to investments, or savings to tax advise with complete ease as his understanding of all topics is so up-to date and invaluable. We have gleaned so much information from Jonothan which has given us more confidence in dealing with all aspects of our finances. We have also, with no hesitation, recommended CFS to many friends who have reported back to us that they too have been impressed and now use him exclusively.

I worked in Financial Services for 28 years and thought I knew how to spot a good Financial Adviser, but prior to meeting Jonothan made the mistake of accepting a personal recommendation to a well known national firm, and repented at my leisure (as they say). So with Jonothan I got to know him well first, did my due diligence and the track record of delighted clients and national recognition (e.g. Financial Adviser of the Year, Retirement & later Life Advice Specialist of the year to name but two) backed all this research up. Even so, having got my fingers burnt, I was still very cautious and asked lots of questions. Jonothan was extremely patient, knowledgeable and structured in his whole approach. His communications were prefect through the whole transfer process (which was complicated by Lloyds Pension Administrators being changed 'mid-transfer') and Jonothan dealt with the problems as they arose and together even got the new administrators to resolve a complaint when mistakes were made during the transfer process. I am confident that we now have a solid investment strategy and he is now advising my wife too on her pension investments. So I'd not only add my endorsement I would thoroughly recommend Jonothan to anyone looking for pension or pension transfer advice, especially those 55+ Lloyds / TSB Ex-employees that are trying to work out the pros / cons of leaving their pension where it is.