What our clients say
Jon has advised me on pension and investments for the past 18 months. He is very personable, knowledgable, professional and has genuinely worked in my interest. Jon has saved me thousands on a tax issue compared to advice I received from one of the national financial companies recommended by a national newspaper. I am now seeing the benefits of investment advice from Octagon. Jon has also advised me on an EIS investment. The advice is always well presented both verbally and in written reports. All in all, good value for money in my case.
Jon Routledge is a very pleasant man and although he knows all the technical side to finance and investment he explains everything in terms us commoners can understand. He knows that the pot of cash has taken 50 years to save up and he is prepared to put everything into making it work to the max for us. He must be a very busy man but if I need to talk, he is there every time, nice to know once you part with your cash the phone line does not go dead. I am very pleased to have found Jon and wish him great success.
Jon made a very positive initial impression - friendly but not pushy. He asked all the right questions to ascertain my existing level of knowledge and then pitched his information at exactly the right level for me. He did not labour points or protocols; rather, he concentrated most effort on the information that would give me best value. He keeps in touch regularly and at no point over-sells the product he is recommending. After 8 months my only regret is that I didn't become aware of his service a lot sooner, which speaks for itself.
Our first meeting with Jon was excellent. He immediately put our minds at ease over any concerns my wife Carol and I had regarding our finances and the future. To our way of thinking this was going to be complex, with retirement imminent and final salary lump sum and a pension due, although I was going to continue working for a additional five months, with a further lump sum and a stake holder pension also due at that time. Jon, clearly and precisely, talked us through what was available, and helped us to decide what we wanted to do. We have been dealing with Jon for over a year now, and are eternally grateful that he is our Financial Adviser.
I have now met with Jon and another member of his staff at his office on a few occasions, having seen a few other Advisers prior to contacting Jon. The initial meeting was at no cost to me nor was I under pressure to appoint him as my IFA. Thereafter I re-attended with my wife. At all times before and after appointing him my IFA I found him and his staff professional, polite and more than helpful in matters a little unrelated to the initial purpose of my contact. That was for me to have an IFA I could rely on and assist with my SIPP. His approach was straight forward and well presented with clear explanations of his role, investment strategy and options. In fact, I have found him to be the most thorough I have seen over the last 7 years.
As regards pension and tax planning, Jon has been superb in steering me and my family (along with my co-Directors) through some quite complex pension and tax situations. He is patient, helpful, personable and knowledgeable (although his knowledge will clearly be put to the test in years to come when I have to make my investments work for me as regards pension income)! Whilst busy building up his successful business, he looks after my interests and will call me back or email me (often working very late) in order to help as necessary.
Octagon are Independent Financial Advisors so, unlike Financial companies that only sell their products, the Octagon fees are visible not hidden – overall the fees are far lower than expected. In addition, as they are independent the advice given is independent – they want you to invest in the most appropriate places. Octagon use as system called Transact to manage investments but the money invested remains in my control and I have the ability to see the value of investments daily over the internet. When I first started using Octagon they performed a full financial (and independent) review of my investment portfolio. They recommended moving some investments but leaving others where they were. The results of their review was eye opening as Jon was able to explain a lot of the “fine print” some financial companies hide behind. Octagon are a friendly team who always provide excellent & speedy communication which is clear & understandable. Jon is always well prepared for meetings with all the relevant information available. He is very knowledgeable about investments and also the world economies as a whole and, along with the back office team, you always get the confidence that they are providing sound advice based on dedicated research. The service provided for me is personal and bespoke. I am now able to utilize my capital gains tax allowance and Octagon actively rebalance my portfolio yearly to make best use of available investment options that match my agreed risk profile. They have always been able to provide savings and investment options that meet my exact (and exacting) requirements. Having used larger, less independent, financial institutions in the past I can highly recommend Jon and Octagon. The service from Octagon is far better, the options more flexible & diverse, the costs significantly cheaper, the returns (so far) better and the overall risk is lower. I intend to switch more of my investments to Octagon in the coming months as I believe Jon and the team provide the best overall solution – I can not recommend Octagon highly enough!
Jon did an excellent job of explaining the minefield of pensions, investments and tax liabilities in easy to understand, layman's terms. He explained everything in detail and made sure that I understood exactly what his recommendations meant in real terms.
Jon is on hand when I need him, by e-mail, phone or in person. His advice has produced good returns in a difficult environment.
Jon is a very approachable and knowledgeable professional with the rare ability of being able to fully explain the complexities that surround all personal financial matters. In particular my wife and I liked the way that Jon took the time to fully explain the pros and cons of the various options that were available to us. His communication skills are excellent, he does what he says he is going to do in a timely manner and nothing is too much trouble for him. This gave us the confidence to make informed decisions on critical issues. I strongly recommend Jon to anyone who is seeking support and advice for their financial affairs.
Where to find us
Secon Floor Burscough Wharf, Liverpool Road North, Burscough, Lancashire, Ormskirk, L40 5RZ
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We are a firm of Independent Financial Advisors who offer a bespoke advice service in Pensions and Wealth Management Planning.
We pride ourselves on core values of integrity and honesty needed to gain trust.
Creating Simple Solutions to Complex Problems.