Oliver Pughe

Please provide a brief comment about your experience with Oliver

Ollie was most helpful and friendly. He was easy to talk to and was able to give me sound advice

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver continues to provide me with excellent advice and invaluable insights, as my family circumstances and financial priorities evolve with the passage of time.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver has been a great help in our planning for retirement.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Helped us to plan for retirement

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Since my last review Oliver has helped us through a longer transition to retirement than expected. His advice means we're now in a very good position financially., owning our property outright and with enough savings working for us to enable us to live comfortably. As before, we always find him well-informed and professional but compassionate, understanding of our particular circumstances and able to guide us to the best financial place possible. We have recommended him on a number of occasions and will continue to do so.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver advised my father and set out some potential options very clearly. He followed up the face-to-face meeting with a timely summary in writing, including helpful links.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver is always on point. Whenever I mail him, on many random financial issues, he always responds promptly and, as always, with good advise.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

More of the same I guess. Only glitch has been poor advice on which part of my pot to draw down on in order to reduce the tax burden.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

I’m all the areas of personal family financial planning

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver has maintained his excellent level of service which continues at the highest level.

Please provide a brief comment about your experience with Oliver

No one has contacted me.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Provided a first class service.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Always available for professional advice on decisions we have to make, he always has answers to questions we may have or will get answers for us in a timely manner.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

we've been kept informed by regular Penguin newsletters. We've had a review of our financial position and made decisions about end of life arrangements

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Having him be on the end of a phone or responding to emails in a timely manner is wonderful and reassuring

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

As, ever Oliver Pughe has been a huge help to me with any advice I need about my finances. He is always approachable and willing to explain things in an clear and understandable way. Since my last review Oliver has helped me move my pension to a SIPP fund which I have used to invest in commercial property. This is working well for me. He is also helping me apply for my state pension

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He makes understanding the changes in government tax in layman’s terms also he monitors my pension and advises on how much I can withdraw also has explained about what happens on my death with regard to my wife’s income and inheritance

What were the circumstances that caused you to initially look for an adviser?

We had very poor advice from a suspect company during the 2008 financial crisis which involved us losing a large amount of money, so we were recommended to contact Penguin as a reputable company to help us plan for retirement with the money we had been able to recover.

How has Oliver Pughe helped you?

Oliver was very pasteient with us and spenty a great deal of time exploring our situation and advising us how to maximise our investment and pension provisions in the few years we had prior to my retirement. His advise has proved to be extremenly good over the past few years with our portfolio performing well in spite of our preference for minimal risk based on our previous Financial planning experience.

Have you seen the outcome you were hoping for?

Without a doubt. I have been able to retire as planned and without Olly's good advice it is doubtful if we would have been as well off as we are.

What could they have done better?

Nothing - Penguin have proved to be an extremely professional company, always looking after our interests. Communication is very well managed and their email updates always welcome. Their customer facing team are always friendly, polite and genuinely interested in their clients.

What were the circumstances that caused you to initially look for an adviser?

Looking for Financial Advice.

How has Oliver Pughe helped you?

Helped with investing my pension and with a pension transfer from a divorce.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, excellent service

What were the circumstances that caused you to initially look for an adviser?

We were looking for advice on private pensions.

How has Oliver Pughe helped you?

We have known Oliver over many years and he has always given sound advice regarding my pension acting professionally and confidently, always putting our needs and requirements first.

Have you seen the outcome you were hoping for?

The outcome is still ongoing and considering recent events worldwide I have been able to achieve a goal of going into semi retirement.

What could they have done better?

Can’t think of anything that could have been done better.

What were the circumstances that caused you to initially look for an adviser?

I am self-employed and needed to start a private pension. I also had money I wanted to invest.

How has Oliver Pughe helped you?

I spoke with Oliver and a few other financial advisors, and I found Oliver the most clear and affable. Oliver always has time to answer any queries that I have or to put into action the instructions we agree on. I trust Oliver with my money and his advice. I enjoy our meetings/get togethers whether online or over coffee. He is friendly and knowledgable and I appreciate those qualities.

Have you seen the outcome you were hoping for?

Yes. And we've got plans for next year that will really benefit me financially, thanks to Oliver's advice.

What could they have done better?

Nothing. I'm entirely happy and I know our plans for my pension and investments.

What were the circumstances that caused you to initially look for an adviser?

Initially, I was looking for an advisor as i didn't fully understand how pensions worked. I understood about putting money into a pension, but didn't understand how best to plan for the future. Are they in the right place, am i saving enough. I also had several pensions from different companies and needed to decide how best to handle these for the long term.

How has Oliver Pughe helped you?

The best way I think Ollie has helped me is that he explains the process in a much simpler way that i can understand how things work and enables me to be able to make decisions that are best for me. This has been mainly linked to my pension planning, about what to do with the various plans I have and making sure these fit in with my future retirement goals.

Have you seen the outcome you were hoping for?

At this moment in time i'm more than happy about what was originally planned and where my financial position is. I've not retired at this time, but know that i can at any point from now on, knowing that i will be comfortable for the rest of my life. This removes any worry from what might happen in the future which means i can continue working or not as i choose to do.

What could they have done better?

To be honest, i'm not sure there is much more that Ollie could have done. Ultimately he can only advise and whatever i do it is my decision. I would say that is one of his strengths in that he advises and gives you enough details so that you feel you can make a decision based on that advice and feel comfortable about that. He has always made himself available if i've needed to contact him and i've always felt at ease knowing he was available if needed.

What were the circumstances that caused you to initially look for an adviser?

To advise me with my financial planning over the last 10 to 15 years or more

How has Oliver Pughe helped you?

Olly has given simple sound advice to me over the years which enabled me to retire at 60,

Have you seen the outcome you were hoping for?

Completely, my pension has been managed very well over 10 plus years and I have seen it grow sufficiently.

What could they have done better?

I have been perfectly satisfied with all management and advice

What were the circumstances that caused you to initially look for an adviser?

I needed advice regarding my occupational pension scheme.

How has Oliver Pughe helped you?

Oliver explained everything very clearly, enabling me to make a decision as to the best course of action to take regarding my pension.

Have you seen the outcome you were hoping for?

Yes, everything has been completed to my satisfaction. It is great to receive regular updates from Oliver.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

I have been a customer of Penguin for a number of years now and I originally contacted Oliver Pughe as he was personally recommended for financial planning advice.

How has Oliver Pughe helped you?

Oliver has helped my partner and I to understand our pensions options, investment planning and generally navigating the changes in our lives affecting our pensions and investments. Oliver does all of this in plain English. Oliver always talks to us as old friends and our questions, queries and worries are covered in our meetings, which leaves us feeling back in control of our finances and on track for our long term goals. Oliver’s advice is always welcomed and followed. We do miss the face to face contact, especially the lovely illustrations Oliver made for us.

Have you seen the outcome you were hoping for?

Yes, absolutely. Without Oliver’s advice we would not be in the secure position we are. We definitely feel more in control with Oliver’s sound advice.

What could they have done better?

Nothing so far. Very happy with the service.

What were the circumstances that caused you to initially look for an adviser?

Coming up to retirement age and realised we didn’t understand our pensions or our options!

How has Oliver Pughe helped you?

Helped us to understand and consolidate our pensions, gave advice and options for retiring.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing! All good.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Over many years Oliver has provided us with sound advice and support.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

By ensuring that we continue to take the best financial decisions we can

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He has an approachable attitude and explains the financial subject in an understandable way. Gave good advice on current pension rules and what options available with drawdown on pension to increase monthly income while maintaining assets

What were the circumstances that caused you to initially look for an adviser?

We felt our previous IFA had got a little stale was was just going through the motions. We interviewed a handful of new IFA's before deciding to sign up with Olly and Penguin.

How has Oliver Pughe helped you?

Olly has helped us so much more than just looking after our stocks/shares, pensions, estate planning etc., he obviously took the time to find out our financial goals, time scales and priorities. However, once he'd got a handle on our finances he when to time and trouble to find out about our life/family goals etc. and used his financial knowledge to meet/achieve our wide life plan. I cannot recommend Olly highly enough, he listen to us and help us meet our plans and not his.

Have you seen the outcome you were hoping for?

Simply put - yes

What could they have done better?

Olly always remembers my wife's birthday, sending her a card and flowers, but he never see's to remember mine! In all seriousness, Olly has got it just about right for us.

What were the circumstances that caused you to initially look for an adviser?

Collating old pension pots

How has Oliver Pughe helped you?

Very plain advice

Have you seen the outcome you were hoping for?

in progress!

What could they have done better?

More free chocolate!

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Regular consultations to ensure things are on track or otherwise

What were the circumstances that caused you to initially look for an adviser?

To establish the best use and outcome of a works pension.

How has Oliver Pughe helped you?

Over many years Oliver has provided us with sound advice and support.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I cannot think of anything at present.

What were the circumstances that caused you to initially look for an adviser?

To handle a company pension that wasn’t performing as I would have liked

How has Oliver Pughe helped you?

Very approachable and simplifies things. Recommended investment too.

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

I don’t know, I’m happy enough with the service

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

We have been kept up to date on the status of our investments and the general financial situation via on-line contacts and presentations. Face to face meetings have not been required until recently.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Consistent helpful advice.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He has continued to give good financial advise in easy to understand words without using financial jargon.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Olly always gives 100%. He is quick to respond and his advice is always good and to the point.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Olly is great. No jargon, explains things in simple terms and most gratifying of all I trust his advice.

What were the circumstances that caused you to initially look for an adviser?

To consolidate numerous pension schemes

How has Oliver Pughe helped you?

He gave me great advise and assisted me in consolidating multiple schemes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

What were the circumstances that caused you to initially look for an adviser?

We were a new Limited company and wanted some advice for our retirement.

How has Oliver Pughe helped you?

Ollie has always been on top of all the relevant areas we have required. He is always available and responds quickly to any needs we have. His advice has been on point!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He has provided help and guidance regarding my pension and investments. He has supported me and my family when we have had questions and needed advice about our changing situation. He is approachable, efficient and professional and I have every confidence in him.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

As previously described, we have a low risk strategy which does not usually require regular changes. With Covid affecting all our lives over the last 12-15 months, we have been kept informed on any actions that have been necessary on our behalf. This has been conducted responsibly and in a re-assuring manner. We have been offered opportunities for reviews, but we decided this was not necessary at present.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver has been constantly helpful and informative - he's also consistent with his contact which is appreciated when it comes to pension advice. He's also very likeable and always a joy to talk to.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Olly has advised me in a very calm, friendly but professional manner, he has helped me make decisions on investments both into my existing pension and in setting up a further investment, reassuring me under these unusual times due to Covid 19. Thanks Olly, look forward to further conversations.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Olly has now also been helping my children, advising them on the best ways to look after and invest their money, even though they are a long way from pension age. As usual, he has always made time to answer all of mine and my families questions. I would not hesitate to recommend him and the services he offers.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He has helped to advise and set up a trust ,LPA, life insurance and changed our Wills for myself and Wife due to changes in our situation and continues to advise on the most tax efficient way of managing my pension. He has an easy approachable manner and explains financial matters in an simple way cutting through small print

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

My partner and I have recently spoken with Olly to discuss investing equity from a sale of my partner's property. Our personal circumstances have also changed in that we are expecting our first child, so the rounded advice Olly provides, as always, is greatly appreciated. Thank you Olly.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

The thing I like best about Olly and Penguin in general is the fact that they listen to you and put forward solutions/suggestions that best address your situation and not what's best for him/penguin.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

I would echo the comment above and in addition Oliver takes his time to explain in easy to understand terms the ins and outs of pension planning.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

What I said in the last review still holds very true. Oliver has kept in regular touch and we know we can get in touch whenever we need to. Since then, we have been able to shrink our mortgage by a considerable amount.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

My last appraisement of Oliver still applies. He has been available to provide information and guidance on all things financial and covering subjects such as setting up Power of Attorney and Trust Funds. These activities were explained to me in detail and I was kept informed of progress as they were rolled out. All of which have served to confirm and inrease my confidence in Oliver's knowledge and abilities.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver has provided a friendly but very professional service when providing pension advice which I have received during an annual review of my pension plans. He has also been very helpful when responding to any pension related queries I have sent to him via email at other times during the year. I would highly recommend Oliver as a Pensions Advisor.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He has kept us well informed on the status of our investments and has sought approval for any changes he recommends. Ours is a low risk strategy and hence not particularly dynamic, so there has not been a need for continuous activity.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Ollie has helped me immensely over the last 2 years getting me ready to retire early. Ollie explained the whole process for me in easy to understand emails, phone calls and visits. I have just retired in April 2020 and I wouldn’t have felt so confident about this if it had not been for Ollie. I know that I will be comfortable and be able to continue the lifestyle that I am used to thanks to Ollie. I can’t thank Ollie enough.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Regular contact, lots of information, always responding to quickly.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

As well as portfolio management, Olly has set up a monthly income facility and offered advice on financial issues external to the portfolio itself.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver has continued to give me valuable advice and always has time to talk things through in a friendly and professional manner. One feels a very personal approach is always there from Olly. Thanks to him and Penguinwealth

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Continue to actively manage my pension pot, advise on minimise taxable income, advised my wife on setting up a pension plan to maximise savings, easy to communicate with and gives advise in an Easily understandable way

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Oliver continues to be a great support whenever I have financial decisions to make. Living on my own, I sometimes need a sensible sounding board to guide me. Oliver has advised me lately on ways that I might be able to help my children financially and on how I could release funds to buy a new car. With the current Corona virus situation I know that I could ring Oliver anytime to discuss my investments but, to be honest, I trust Penguin to be doing the very best for all their clients.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

He does keep me informed

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

Olly has always been available to discuss any questions I have had in the many and varied pensions I have had over the years. He has helped my to consolidate them into a more manageable state and constantly checks back to make sure that things are going okay and if I wanted to change or discuss my financial planning for my future.

This review is a follow-up review from a client who left a review previously.

How has Oliver Pughe helped you since your last review?

I have received regular email contact about my portfolio from Penguin keeping me informed about how it is being managed

What were the circumstances that caused you to initially look for an adviser?

I had a fragmented pension position and needed sensible advice how to best consolidate these and properly plan for future retirement.

How has Oliver Pughe helped you?

Oliver did a thorough review to fully understand our family position and future retirement and savings aspirations. He helped implement a fully tailored plan to best help us achieve those goals.

Have you seen the outcome you were hoping for?

Oliver's advice was excellent and was very much tailored to us and our situation rather than the more generic advice many IFA's employ. We have fully rationalised our position and plans and feel confident and in control of our longer term plans as as result.

What were the circumstances that caused you to initially look for an adviser?

Having complicated incomes and assets.

How has Oliver Pughe helped you?

Gave clear advice following skilled analysis of the finances of my spouse and me.

Have you seen the outcome you were hoping for?

Yes. We now understand where we stand financially and have our financial affaires looked after by experts.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

My wife and I have held stocks and shares for a while which have always been managed by an IFA, however we never felt in control. After a few years we felt a little disgruntled and started interviewing for a new IFA. One of those we interviewed was Oliver (Olly) from Penguin. Following on from these interviews Olly was one of two we were seriously considering. To be honest at this point Olly was in second place, his competition was big, flash and promised the world. What finally swung it in Olly's favour was the fact that he wasn't big and flash and certainly didn't promise us the earth. He simply listened to what we wanted, not just in regards to our finances, but how we wanted to use our finances to achieve our life goals and he actually helped us achieve our stated aims. However, must importantly Olly and the team at Penguin gave off a feeling of trust, stability and a quiet confidence that they knew what they were doing.

How has Oliver Pughe helped you?

Olly's knowledge and assistance has been integral, and I really do mean integral, in us achieving our financial and life goals. Unlike most IFA's I've met Olly took the time to gain a really good, in-depth understanding of what we wanted to achieve and helped us at every step. To my mind what separates Olly/Penguin from other IFA's I've come across is the way they work with you. They take a long-term view (of the relationship) and not a short-term fee based/transaction view. This way of working together enables us and them to make decisions to achieve our goals/strategies both now and in the long term. It's a bit like the difference between the House of Commons and the House of Lords - one needs to make policy to get re-elected and the other is secure in their position and can make decisions based on the facts and desired out-come.

Have you seen the outcome you were hoping for?

Not only are we achieving our goals, with Olly's help, we are surpassing them. Olly has not only supported us with financial advise he has helped us far beyond the scope of his IFA role.

What could they have done better?

I would love to tell Olly where he needs to improve, but really I don't have a bad word to say about him. Maybe, Penguin should expand into the property market so I can do more work with them.

What were the circumstances that caused you to initially look for an adviser?

Oliver has provided advice to my parents and I for over 7 years. Recently, I have needed advice as to how best to invest the equity I received from the sale of my flat.

How has Oliver Pughe helped you?

Oliver provides clear, 'plain English' advice which is exactly what you need. Oliver helps you plan for the future, has your interests at heart and is easy to talk to.

Have you seen the outcome you were hoping for?

Yes absolutely - a clear plan in place with peace of mind. Thanks Olly.

What could they have done better?

None

What were the circumstances that caused you to initially look for an adviser?

We needed to sort our lives out as now have 2 small kids so feel responsible for ensuring they are looked after and that we are sorted for the future too.

How has Oliver Pughe helped you?

Met and discussed our future plans and priorities. Set up life insurance policies for both me and my husband and looked at our income streams to see what our retirement plans look like financially.

Have you seen the outcome you were hoping for?

Yes absolutely- feel assured we have plans in place

What could they have done better?

Noting

What were the circumstances that caused you to initially look for an adviser?

I wanted to retire but wasn't sure if I'd have enough income to last me. I had some pensions and an ISA but no idea how much in total.

How has Oliver Pughe helped you?

Penguin were fantastic in outlining my entire expenditure and life goals, they were able to help me put all of my money into one place meaning I could reitre much earlier than I thought I could. I couldn't be happier!

Have you seen the outcome you were hoping for?

Most definitely, I am now retiring after Christmas so I can spend more time with my grandchildren and go on to New Zealand like we've always wanted. Penguin reassured me and provided me with some much needed advice and peace of mind. They didn't over complicate things and there was no pressure.

What could they have done better?

Nothing, they were great from start to finish and the communication from their team has been fantastic

What were the circumstances that caused you to initially look for an adviser?

I had worked for a major financial institution for twenty five years and built up a significant Defined Benefit Pension but my employer was offering excellent incentives to move my pension to a private fund and I wanted to talk with an IFA to explore the options, the benefits and the pitfalls.

How has Oliver Pughe helped you?

After an initial meeting, Olly put me in touch with a expert in this field [Olly made it clear that he couldn't advise on the transfer to a private pension fund] who advised on the pluses and minus of this transaction and ultimately managed the transfer of the funds whilst Olly put together projections based upon an expected value of my pension pot post transfer. Olly also spent time outlining the way his firm managed risk and explained how I would play an integral part in the management of my funds and the expected returns.

Have you seen the outcome you were hoping for?

Absolutely - the transfer of funds from my long term employee to a private fund was handled very professionally and I was kept informed all of the way through that process. From this point onwards, Olly has always been prepared to answer questions [either via a F2F meeting or email] and he has provided sound advice as the value of my investments grow. We've also talked about planning for my family's future [Trusts], the mechanism for removing funds when the time comes, the impact this will have upon the fund and the tax implications.

What could they have done better?

Nothing. Even the free pens are great!

What were the circumstances that caused you to initially look for an adviser?

A change in personal circumstances meant I had to rearrange my pension fund .

How has Oliver Pughe helped you?

By helping me to open the correct pension account to allow transfers of funds to occur then arrange managing that pension fund on a suitable platform.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No - the help and advice I received was exactly what I needed and done with no pressure .

What were the circumstances that caused you to initially look for an adviser?

Retirement and subsequent management of pension pots and income generation.

How has Oliver Pughe helped you?

Explained how best to handle out financial needs without over-complicating the issues. Provided reassurance in terms of future financial stability which, frankly, having never been interested in pensions, I needed.

Have you seen the outcome you were hoping for?

Too early to comment as I only retired at the end of May 2018. However, the service provided by Penguin Wealth so far has been impeccable and I firmly believe that their expectations based on past performance will be met.

What could they have done better?

Again, too early to judge.

What were the circumstances that caused you to initially look for an adviser?

Penguin and especially Oily, were recommended by a one of satisfied clients. It's a recommendation I am glad I followed up on.

How has Oliver Pughe helped you?

He helped me with the relevant advice which allowed us to get the best product for us when we remortgaged our home.

Have you seen the outcome you were hoping for?

So far yes, but in these uncertain economic times and with the spectre of Brexit hanging over everything we wait to see what happens in the next few months.

What could they have done better?

I led the discussion in the direction I felt was most useful. Olly understood our unique circumstances and was able to adopt the advice he gave to meet our particular needs.

What were the circumstances that caused you to initially look for an adviser?

Had just retired and need advise on my pension pot.

How has Oliver Pughe helped you?

Penguin looked into my circumstances and they came up with an investment plan to maximise my income.

Have you seen the outcome you were hoping for?

Penguin has covered all my needs and they are very approachable and are available for further updates on my needs.

What were the circumstances that caused you to initially look for an adviser?

I had recently been ill and wanted some advise around investments, mortgages and life insurance.

How has Oliver Pughe helped you?

Penguin finance were very welcoming and they provided clear advise. The initial meeting was free and there was no pressure to sign up to anything. We talked through all the options.

Have you seen the outcome you were hoping for?

Yes, penguin finance helped arrange life insurance and a will. We will look to invest with penguin at some point next year.

Please provide a brief comment about your experience with Oliver

Very clear advice and suggestions. Very friendly!

Please provide a brief comment about your experience with Oliver

Very informative, with nice easy going approach