Foster Denovo - Raj Unadkat

I am getting to the point where I need the right help to make the right decisions. I have many pensions from many jobs over the last 36 years so I needed to make sure that they are working hard for me How did Raj help you? Raj took the time to carefully explain to me the options and benefits and to make sure that only those pensions which can work harder are chosen to be moved. I am in a better position now and the better for it. Have you seen the outcome you were hoping for? Too early to tell yet but looks promising

What were the circumstances that caused you to look for a financial adviser? Large amount of pension monies - not managed How did Raj help you? Raj was so patient and went through everything in plain English which really help. The pension has already risen so iam really pleased Have you seen the outcome you were hoping for? Yes . Increase in pension investment What could they have done better? Nothing Raj did a fantastic job. I would highly recommend him

What were the circumstances that caused you to look for a financial adviser? With a young family it was important to protect them. How did Raj help you? Raj gave impartial advice and was flexible enough to work around my busy lifestyle. Have you seen the outcome you were hoping for? Yes, we are delighted. What could they have done better? The process is quite long, however upon reflection I can see it was only this way to protect us and ensure the correct policy was put in place. These reviews have been independently verified. Last updated: July 2020 me and my family. Review from Verified Client Surrey | May 2019 5 out of 5

What were the circumstances that caused you to look for a financial adviser? My family needed mortgage protection as we have a young daughter and my job requires me working abroad regularly in Africa. How did Raj help you? He was able to research numerous providers to find one willing to protect us with what we needed. Given our odd circumstance of my employment status in Africa he was successful. Any questions we had he able able to answer, and explained the insurance jargon in simpler terms. Have you seen the outcome you were hoping for? Yes. We now have the protection we required with a reputable insurer at a reasonable cost. What could they have done better? We really couldnt have asked for a better adviser. From day 1 Raj was brilliant. He regularly kept us updated in the progress of the application, and very professional throughout. Review from Verified Client Surrey | May 2019 5 out of 5

What were the circumstances that caused you to look for a financial adviser? My previous financial adviser didn't seem to be managing my investments with perhaps the same vigour as he did when I first started using him, annual reviews were very much "all seems to be ticking along fine so I'll just leave this here, it avoids you paying more fees". I don't have a concern with fees for advice if the advice given provides a good return - isn't that what investing is all about? And so I started looking around. How did Raj help you? Raj was recommended to me by a friend who had used him for some time, my pensions had all been consolidated previously and I had invested a large sum with a view to this maturing when our children were of age however Raj felt my attitude to risk was higher than my current portfolio suggested and recommended I take a greater risk, taking into account my profile. Have you seen the outcome you were hoping for? Yes, the pension is growing nicely

How did Raj help you? Raj was a complete gentlemen. As I informed him when we first met I didn't have any idea about pensions. Raj was so patient with me and went through what I could do thoroughly. Raj made it easy for me to understand and move forward in my thinking about what I wanted to do. Raj gave fantastic advise and was extremely thorough in the advise for and against my future. It has been an absolute pleasure to have him as my advisor. I would recommend him to all my friends and family if they require the advise on financial matters. Raj is a credit to foster denovo and a large assert.