I created Halcyon Financial Planning out of a burning desire to bring an alternative approach to financial advice, having seen first hand the impact of failing to make proper preparations for the future.
What our clients say
I have found that having someone reliable to call upon is a difficult thing in this world. Especially someone that knows their field implicitly, is not greedy and has your best interests at heart. Being in this profession, I needed someone I could trust to assist with complicated tax and business planning issues, including pensions. Happy to say that Kevin ticked all these boxes. By not trying to sell to me firstly. And not looking at me like a sign! After an initial chat, helped me understand where I was, where I wanted to get to and how best to get there. I had never allocated sufficient time myself to my own affairs, being wrapped up with working so much. A breath of fresh air and truthfully something that I should have done sooner looking back at it in hindsight!. Always planning bigger things, so the masterpiece is not quite finished but yes and more so.
I needed a new adviser who would look after our finances in a professional manner and have contact with on a regular basis. He explained things in an easy to understand way with patience giving us all his knowledge and experience. We've had much better returns in our investments since changing advisers. He was very professional and down to earth in every way.
My mortgage term was coming to an end. He found options and deals that no one else had and went the extra mile in negotiating the final package. He found a very good deal and gave some great advice that resulted in over 700 per month savings!!. He kept me informed throughout the whole process, did what he said he would, when he would. Would totally recommend him not only for the service but for his professionalism and customer service standards.
Kevin was very thorough in understanding our needs and financial circumstances. He took a lot of time understanding what would be best suited for our current and future lifestyle, assessing our budget (expenditure and income) and helping us best use our money to work for us such as identifying area's we could quickly save money. Kevin's language made it easy to understand what could be complicated terminology and was very open and honest when discussing not just the pricing of products but also any benefits or 'hidden' charges we should be aware of. I also found Kevin to be very quick in answering any questions throughout the transactions we did with him, nothing ever seemed to be an effort and he was always more than willing to help no matter how simple or complicated the questions. We Remortgaged in our old home, managing to keep the monthly repayments the same but reduce the term by over 5 years as well as finding us some excellent insurance products. Kevin dealt with all communications with the mortgage providers, dealing with all queries from all parties and organizing all the paperwork required, while advising us on what paperwork to expect through the post and what needed to be filled out and returned etc. We subsequently moved to a new home and again Kevin was invaluable in this process, finding us an excellent deal that was much better than anything we had researched ourselves. As we purchased a new build we were again extremely grateful for Kevin's guidance as the paperwork and process was different to what we'd previously experienced. I can honestly say Kevin has been exceptional in all our dealings with him. His honesty is refreshing and his knowledge has been outstanding.
Was approaching retirement age and looking at best way of investing a lump sum. Kevin accepted that I was a risk averse client and suggested various funds that matched this criterion and recommended spreading the investment across a number of these funds to further minimize risk. Also accepted that I wanted to keep control of other savings I already had with no pressure to move them to the funds he recommended. Was very happy with outcome based on initial recommendations and on subsequent reappraisal of how funds were performing compared to other funds he would recommend. Changed funds based on this reappraisal. Still invested in low to medium risk funds which suits my personal nature. Kevin comes and visits every 6 months or so and keeps me up to date in the intervening periods with emails and phone calls. He is also readily contactable by me through the same channels and returns calls promptly if he is otherwise engaged. I am more than content with this level of contact.
I consulted Kevin when I obviously had a very poor financial health. All my investments and liquid cash were held in a way that I was losing rather than gaining any thing. Kevin started process of rationalization and strategic investments to have better return, protection from inheritance tax and safeguarding the family in future. I regard him highly and commend him without any reservation. Dr M I Qureshi.
I didn't really know where to begin when I wanted to sort out my pension but after speaking with Kevin have been able to understand my options and make decisions I thought were beyond me as it all seemed so confusing. He talks in a straight forward manner and doesn't use jargon which I was grateful for as previously people have tried to bamboozle me with techy sounding terms. He gave me time to make my mind up with no pressure and has always been available to answer my questions. I'd definitely recommend Kevin's services as he helped me make sense of my finances and even saved me money on my mortgage and insurances which wasn't even what I intended to discuss.
I have always found Kevin's approach to financial planning to be both professional and easy to understand. A long term view is taken rather than a quick fix and it is genuinely your needs and that of your family that he has in mind and not simply another sale. Kevin has saved us in excess of £100k from taking a complete overview of our finances and leaving no stone unturned, a real pleasure to deal with.
I lack the necessary skills in this field to feel confident that I could give an assessment of where I was financially and make the right decisions about the future. Kevin was very helpful and patiently went through it all with me. He answered all my questions, and there were many, he explained all the options and at the end I felt confident and very happy about the whole process. I'd definitely recommend him, I feel much more confident than I did in the past with previous financial advisors who were quite good but Kevin was more thorough and took as much time as I needed which I hadn't previously experienced. With Kevin he was so much better than my previous advisors and much easier to contact if I had any points of concern so I really can't think of any way in which he could improve except that he could have brought cakes to our first meeting.
After I retired and my wife died I needed help with handling my money and where to invest it and Kevin was recommended to to me. I found Kevin was the only financial adviser who actually listened to what I wanted to do with my money,and he arranged everything for me. I have had the returns and income he said he would get me. I am more than pleased with the investments he has set up. In all honesty I can't think of anymore he could have done for me.
I was made redundant with a lump sum to invest for my future. Kevin looked at all my finances and insurance policies and advised me how best to use my lump sum due to the poor investment rates being given in the banks and building societies. My investments are now performing well. Kevin has always been there in person or on the end of the telephone if needed. Kevin has a web site where you can view your investments each day to see how they are performing. You can change an investment at any time if desired.
We were looking to plan financially for the future, organise and set up pensions and to get advice on mortgages. Kevin took the time to understand our situation, he helped us to set realistic goals for the future and to prioritise and focus on the most critical elements of our financial planning. Kevin helped us to do the right things in the right order in a professional way backed up with excellent product and market knowledge. What Kevin brings to the table is invaluable. We are very happy with what Kevin has done and the way he has delivered everything he said he would in a professional way.
Firstly coming into an inheritance, and then retirement. Kevin explained what options we had and gave us a good appraisal of the current markets after we had advised what we wanted to look for with our money, short term and long term. Kevin has kept in touch with us throughout, and provided detailed information on why the markets have performed the way they have. Kevin keeps in touch throughout the year and we have a comprehensive review meeting at least every 12 months. We know that if we need to speak with him, we can always get hold of him, and he always returns our calls very promptly.
I received a redundancy payment and wanted advice on the best course of action. Kev discussed what was important to me, paying my mortgage, general savings and saving for retirement. He took time to explain the pros and cons for all and helped me design the best solution for me. Talking it through and getting an honest approach with no sales push was really important to me. He seemed to care about what I was saying and questioned quite a bit on why. ended up with a better result than had I tried to do it myself by putting more in savings for me to access should my circumstances change as well as paying some off the mortgage which will help in the longer term.
During our first meeting, it quickly became clear that whilst Kevin would be able to advise on, and help with, any potential pension transfer, his approach to financial planning was very different to other advisers I'd spoken to and been told about. First and foremost, Kevin was interested in understanding what lifestyle I and my family aspired to, both now and in the longer term. He explained that knowing what we were aiming for in life was essential in being able to provide the best advice in terms of the pensions I and my wife had. By thoroughly reviewing our current financial situation, and asking about our plans for the remainder of our working lives and then through into retirement, Kevin was able to project what capital and income we'd need at various stages of our lives. He also assisted us in taking stock of our debts, making suggestions to help us reduce the amount of interest we were paying on unsecured loans, and helping to formulate a plan to get these cleared more quickly. Through Kevin's advice, we considered things that we'd never really discussed before, such as saving for our son's future, getting into a position where we could move into a new home much more quickly than we ever thought possible, and actually planning ahead for the things we'd like to do once retired, rather than those things feeling like a pipe dream. Once Kevin had completely reviewed our financial situation, and had a detailed understanding of our aspirations, he then provided multiple pension projections, based on different models, so we could understand what position we'd likely be in depending on the decisions we made. Ultimately Kevin's advice helped us to make the decision to transfer my pension out of my company's preserved scheme and into a SIPP. With three pensions to consider, Kevin has helped us to plan exactly what we'll be drawing on and when, enabling us to decide on when we will retire, safe in the knowledge that income won't be an issue for us at any point in the future. The key point here is the future planning. We've gone from assuming that we'd have a set income each year once we'd retired, to being able to plan for significantly more expenditure during our first period of retirement, and tapering off as we get older. Kevin has helped us to give a great deal of thought to what we'll actually need at those various stages, so our money really works for us. The outcome is better than I ever could have hoped for. Initially I simply wanted assistance in making a decision on whether to transfer my pension into a SIPP. Kevin's advice helped me to reach a decision, and transferring the pension when I did led to a very favourable transfer value. I'll now have far greater flexibility once I reach pensionable age as a result of this. The outcome goes far beyond just the pension transfer however, with Kevin's advice having helped to put us on a far sounder financial footing, and having a plan now for the remainder of our working lives and beyond. The things that we aspire to in retirement now seem entirely achievable, and this is very much down to Kevin identifying the things that are most important to us, and coming up with a bespoke financial plan. I couldn't be happier with the service provided, and genuinely cannot think of anything which could have been done better.
Kevin quickly developed a clear understanding of my situation and aims, including checking the status of an investment. He reassured me about my financial situation - and didn't charge me for the two meetings and his work in-between because in my sound financial situation he couldn't justify doing so. This latter was just as he'd said when we first met, but I was still impressed that he honoured it. The way that Kevin lead our discussions and his analysis of my financial situation means that I am thinking more strategically about my life choices and how to finance them. I can't think of any suggestions for improvement. In terms of the process, Kevin responded very promptly to my initial enquiry and at all stages after that, seeking further information from me and arranging meetings. I did not feel hurried during the meetings, even though Kevin told me that early on that he felt he would not be charging me for this work.
Kevin was instrumental in helping my wife and I understand our net worth and how our assets could meet our dream retirement ideas. He helped us think about what we wanted from our retirement, not only financially but also what we wanted to do and get from our time during retirement. Kevin presented to us a detailed report that we could easily understand and spent time to explain the options open to us. His suggestions met with our aspirations and helped us feel secure in the knowledge that we could have our dream retirement. When asked to provide other options based on bringing our retirement dates forward, he quickly reassessed and reported back with clear and informative solutions. Kevin had great empathy and was sensitive to our feelings, in what is a an exciting but also concerning time of our life. I have always felt I can trust Kevin and very much look forward to working with him over the coming years to make our retirement a successful one.
Gave honest, thoughtful and impartial advice around a complex situation. Took time to both generate and give recommendations and, most importantly, focused on the wider picture of life. He has been exceptional to date.
I can highly recommend working with Kevin on personal finances. As you would expect of an advisor he brings expertise and great market knowledge. What you don't expect is the challenge and coaching aspect he brings to planning your financial future. For me this was a breath of fresh air, a different perspective and a trusted advisor who supports me through the decision process. Invaluable!
• Our mission is to help our clientele identify and then achieve their perfect life, no matter what curve balls may be thrown in along the way.
• We do this by identifying what's really important on an individual level and then creating and (more importantly) adapting a bespoke financial plan throughout the course of your life.
• Ultimately, we take care of "the money stuff" allowing you to go about living life to the fullest, safe in the knowledge that your financial affairs are in perfect working order for you and your family.
As you'd expect, we're completely independent and have the experience (22+ years) and qualifications (investments, mortgages, pension specialisation etc. etc.) to bring true value to our client relationships.
We only work with people we believe we can really help and fees only become payable once you have experienced the difference we can make. If you don't feel that sufficient value has been added, then don't pay us. It's that simple!
Our approach is not for everyone as we do not offer a transactional service and are only interested in long term relationships. For those that do share our values however, we are extremely honoured to provide our services and even more so in the strength of our client reviews.
Where to find us
Head office address: Halcyon Financial Planning Ltd, 20 Chorley New Road, Oxford Street, Bolton, BL1 4AP