What our clients say
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.
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 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.
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.
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.
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 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.
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.
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.
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.
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.
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 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 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.
Where to find us
Halcyon Financial Planning, Peter House, Oxford Street, Manchester, M1 5AN
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Halcyon Financial Planning works differently to many other advisory firms in the sense we focus on you and your goals. We listen really well and everything we do centres on keeping you, the client, as our highest priority. We pledge to only ever tell our clients the truth and being truly independent means that we are not working on behalf of anyone else but you. We have a passion for delivering good advice and seeing every client lead a more fulfilling life, without the fear of running out of money. We work with both individuals, businesses and business owners to help plan for the future, whatever that may entail, whilst ensuring that what is most important to you is protected should the worst happen and plan for your beneficiaries with estate planning services where required.
We listen to what you want to achieve! By focusing on your goals and using our expert knowledge and market leading systems, we help clients enjoy life without worrying about money - both running out, and not spending enough.
We don't deal with thousands of clients, thus providing an average service. Instead we spend quality time finding out what is important to you, we tell clients what their future looks like, whether or not their dreams are a reality and if not, what we can do to help achieve this. In this way we demonstrate our value to every client.