What our clients say
I wanted to take advantage of my young age to start an investment that I could enjoy in the future. My savings were not previously being put to good use. He explained the investment landscape, my options, the pros and cons, my likely outcome, and set up
my desired plan. He also explained my work pension options and advised on the best plan for me to choose there as well. I feel confident with the investment plan we have enacted, my pension choice, and my future finances.
We needed to ensure that our savings were invested to secure our retirement and to deal with somebody we trusted and who would advise in our best interests. Stuart has explained all the options and made sure we are aware of all likely outcomes of the investments and that the levels of risk are relevent with any change of circumstances. We are really happy with everything and feel we are in good hands.
I was seeking sound advice as to the most efficient way to close a voluntary contributions pension with Prudential and to find the best way to both release funds and to invest the remaining capital in a way that suited my preferences. Chris put me at ease from minute one by asking simple and precise questions to understand what I was attempting to do. He explained things in detail but with little or no financial jargon therefore making things easy for me to comprehend. Chris's advice and support is very much in line with what I was hoping to do therefore for me it shows that Chris connected with me and my needs and following just 3 meeting Chris has resolved all of my problems and left my finances in a far better position.
We were looking to review our existing protection as we felt it was expensive and missed some key parts of the cover we were looking for. Chris sat and discussed with us all the options available to us including individual and combined policies, checking we were getting the best policy for our budget. We are very happy with everything Chris has done for us.
I had received an inheritance which I knew needed to be well invested, but I didn't really know where to start. Stuart carefully went through all of my financial affairs, looking at my monthly income and outgoings, as well as the funds I had to invest. We have regular meetings to check everything is still going to plan, and making adjustments if necessary. I admit to sometimes feeling a little lost in the financial world, but he seems happy to go over things again if I look confused!
I was not at all happy with my existing Financial advisor - I was not convinced he was working in my best interest. Working with Chris this has made me realise I was correct. I had two issues that I needed advice with - Issue 1 was savings, Chris listened and explained that due to circumstances and timings any benefit that he could provide would be offset by fees and charges. He guided me to a more simple solution. Issue 2 was Life Insurance - I had been working on this with my prior advisor and was not happy with his service, Chris went through my circumstances and although complicated he cut through the issues and guided me to a resolution - we actually amended the original plan I had been working on to better fit my circumstances - in doing so Chris saved me 50% on the monthly premium. I got exactly the outcome I was looking for and honestly cannot think of anything Chris could have done better.
On my pension options letters it said to go to <url hidden>, & pick a financial advisor from your area. I did this and found some very good reviews for them. Stuart was very professional in looking at my pension options & working out my income & outgoings, giving me confidence to go ahead with taking the most from my pension options.
I needed to get advice on investment of an AVC pension pot. Everything was explained very clearly, with Chris sharing with me the computer package which helped to ascertain the risk I was prepared to take with my funds. He explained what an "investment platform" was and how it worked, and helped me to clarify my financial position, making useful recommendations about investments to take me up to state retirement age. His written financial report was very clear and comprehensive. What was really useful is that he made some tax-efficient suggestions that I had not thought of. It saved me a lot of time that I would have spent trying to sort things out for myself, without the benefit of my advisor's experience, and his expertise.
My husband was unsure as to whether it was financially viable for him to take early retirement. Chris produced a very extensive report based on the figures we gave him, in very plain English. It was full and comprehensive but easy to understand. We are very pleased with the advise and report he produced for us.
Stuart covered myself and partner for our family protection needs. We have unfortunately had to claim on our cover as our daughter became critically ill. Stuart was brilliant throughout the whole situation and nothing could have been better.
Needed advice on merging my pension pots and setting up a SIPP pension navigating the complexity of the pension system. Chris explained in as much detail as I required and guided me through the various options available, allowing me to select what I believed was right for me. Recomended SIPP pension set up so now getting a month income. Ongoing advice available as required. Looking forward to a long and mutually profitable business relationship. Chris was very helpful took the time to explain everything never put under any pressure to make a quick decision so very happy with the outcome.
We wanted to secure our future and make the most of our money. The first time Chris helped us he set up an investment scheme which has earnt us a 50% increase in what we invested 3 years ago. As we wanted to release some capital we went for a review. Chris gave great advice on our mortgage position and how to retain some investment in savings. We both feel so much lighter and in control now.
I have several pension pots and I wanted a thoroughly researched review of them. I spoke to a total of four financial advisors and Stuart was my preferred choice. He researched my needs and came up with a proposal which he thoroughly explained to me at all stages in a clear and professional way. Everything looks good to far, but the proof of the pudding will be in the eating. We have left one pension pot , with a good GAR, as it is. I am pleased about that. It shows 'balanced' advice to me.
I was approaching retirement and needed advice around financial planning and investments. Chris assisted me in providing comprehensive financial projections based on alternative scenarios mainly involving access dates to my pension, mortgage repayment and investment opportunities. A great deal of care was taken to realistically consider my outgoings but perhaps more importantly how I wanted to live the rest of my life and what then was needed to be done to aim to meet those wishes. I am very pleased with the plans we have developed together and I feel far more comfortable in the knowledge Chris has worked with me at every step to hopefully make the right long term financial decisions.
In regard to pension drawdown Stuart was instrumental in helping make the decisions as to which pension pot suitable to draw on, and made my decision making process far simpler with the information that he provided me with. He explained every aspect of the process and provided me with excellent advice, which was easy to comprehend. I gained a considerably better understanding of the current pension rules, aspects of annuities and use of pension funds. With Stuart's help my progression of the pension drawdown was very straightforward. All aspects of his service were exemplary.
I needed independent financial advice in order to transfer a final salary pension. Chris provided financial advice in a very professional way, explaining everything in detail plus managing my expectations and delivering on every deadline. Chris provided an excellent service – I have had an outcome better than I hoped for, the service was perfect.
Conveniently located on Iron Gate in Derby's Cathedral Quarter, we are available to see you at our offices, your home or place of work, or at a suitable alternative location.
Your initial consultation is without charge, and we have a clear and transparent charging structure that will always be discussed with you up front.
No matter what stage of life you are at, by getting to know you and your circumstances we can provide you with the unbiased, jargon-free advice you need. As experienced yet modern independent financial advisers, we are here to help you along life’s financial journey by building long-term, lasting relationships.