David Boyce

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

How has David Boyce helped you since your last review?

Continued to manage my pension pots

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

I was dissatisfied with my current adviser

How has David Boyce helped you?

David has diligently helped me look after my own financial affairs and those of my elderly mother, over several years. His advice is always thoroughly researched, clear, and pragmatic. His follow-up actions are timely and efficient. He is consistently available when I need to ask a question, and I feel that our financial affairs are as safe in his hands as they can possibly be. Before I met David, I chopped and changed my advisers frequently, but now I no longer need to. He is also a fine and personable man.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I am entirely content with David's services

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

How has David Boyce helped you since your last review?

He continues to give me guidance and advice in all financial matters

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

How has David Boyce helped you since your last review?

Continuing guidance and advice, with timely reminders for relevant actions to be taken.

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

How has David Boyce helped you since your last review?

I get an annual review with David when we go over the performance of investments and the income drawn down. We also go over financial plan for future potential spend or change of circumstance. David is also very approachable and open to provide advice during the year should anything change or I have any specific questions.

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

Early retirement and planning to sell a business plus wanting a better IFA I felt I could trust.

How has David Boyce helped you?

We have been able to achieve our goals and retire early with consolidated pensions and investment planning put into action.

Have you seen the outcome you were hoping for?

Yes, we are still following the same plan.

What could they have done better?

We could have been a little more cautious but who could have anticipated a pandemic.

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

How has David Boyce helped you since your last review?

David has continued to give me great professional advice and has given me a great service

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

My Dad came across David when he worked for Tilney. My Dad had the knowledge and experience to manage his own finances, but he needed someone he could trust to to take care of them for my Mum should anything happen to him. Knowing my Dad, he would have challenged David on his decisions down to the last penny, and this meant that when my Dad passed away, my Mum was already fully confident in David, and was happy for him to advise her on how best to manage her new financial situation.

How has David Boyce helped you?

David helped my Mum with her finances for over 5 years, and during that time I was able to relax in the knowledge that she was in safe hands. He took the time to understand her needs and her wishes, and to carefully explain the advice he was giving. Since my Mum passed away last year, David has helped us navigate this difficult time with kindness, understanding, and a great depth of professional knowledge.

Have you seen the outcome you were hoping for?

Yes. During the past few months as we have been dealing with my Mum's estate we have seen all of David's previous advice regarding inheritance planning come to fruition.

What could they have done better?

There is nothing that I am aware of.

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

My husband and I were originally seeking advice through Saga, and David contacted us while working for Tilney. When David left, we also transferred our investments to him. We wanted to ensure that our savings for retirement were in the best funds with the right companies.

How has David Boyce helped you?

David is very passionate about what he does, and he strives to ensure the best possible outcome for his clients in a caring and professional manner. His listening skills are exemplary and he is always willing to go into great depth of detail to ensure your understanding.

Have you seen the outcome you were hoping for?

Given the economic situation and world events from 2020 to present date, our investments have faired reasonably well with all the uncertainty. We hope that inflation, interest rates, and the wars that we see happening around us settle soon, to allow our investments to grow for our retirement.

What could they have done better?

Nothing, David is a credit to his industry .

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

I wanted advice on how best to manage my multiple pensions.

How has David Boyce helped you?

David advised me to transfer a large pension fund to another provider with the expected result of increased yield and flexibility, and on how best to manage another, smaller pension. He will also provide a regular, ongoing review service.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing comes to mind.

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

How has David Boyce helped you since your last review?

Assistance with pension management, tax efficient income planning, retirement income choices

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

I reached the grand old age of 55 and had several pensions which I was not sure how to deal with. I sent emails to all the registered Financial Advisers in my local area asking why I should choose them. After meeting those that responded it was clear to me that David was head and shoulders above the rest.

How has David Boyce helped you?

David has helped me to make good decisions regarding with regards to my future financial security. He has also given me sound advice on other matters, and is also a really nice guy who can cheer me up when I'm lucky enough to meet up with him.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing

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

Retirement in my early 60s, with a fairly complicated pension portfolio that needed to be consolidated

How has David Boyce helped you?

David helped me consolidate 4 pension plans into 2, introduced me to a new pension provider, advised me how I could lock in my Lifetime Allowance at the most advantageous level and recently assisted me in the crystallisation of a plan that was uncrystallised

Have you seen the outcome you were hoping for?

Overall the outcome has been very positive. My pension plans were in disarray when I first met David due to poor pension advice I had received in the past. In the past year, the value of my funds have not improved as fast as they did in the first few years, but that can be attributed to the overall turbulence in the stock market. My funds have, however, performed better than other peer funds

What could they have done better?

Nothing

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

I needed guidance and advice on investing, and pension.

How has David Boyce helped you?

Provided sound advice on appropriate investments, and pension

Have you seen the outcome you were hoping for?

Not as yet.

What could they have done better?

Not much really. The markets have been what they are in recent years

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

Initially we were looking for a Financial Advisor to help with the amalgamation and reinvestment of multiple personal pensions.

How has David Boyce helped you?

David initially organised my personal pensions and recommended re-investing in two different pensions funds, with inheritance planning in mind. When this was completed successfully we asked David to review our other investments and advise regarding maximising the returns on these.

Have you seen the outcome you were hoping for?

Absolutely, even with the downturn of the market we are very happy with the advice that David has given and continues to give, which is grounded in his exceptional knowledge.

What could they have done better?

Nothing

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

I needed a financial plan for my retirement, particularly given the current difficult economic environment.

How has David Boyce helped you?

Given my lack of financial knowledge, it was great to have someone who does understand these things come in, look at everything and come up with a plan of how to move forward.

Have you seen the outcome you were hoping for?

David has created a plan that I have confidence in. Of course, we’ll have to see how things work out in the medium/long term.

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

How has David Boyce helped you since your last review?

My husband's dementia has become a bigger problem and David has been very kind and helpful. My daughter in London and myself have POA and David has included her on zoom for our financial review. I know that David would be there to help at any time I needed advice.

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

We had no desire to spend the time and effort involved in researching and managing our savings investments ourselves.

How has David Boyce helped you?

David has provided the financial expertise, knowledge and understanding of our situation that has given us confidence that our savings investments are performing as well as can be expected without having to constantly manage them ourselves.

Have you seen the outcome you were hoping for?

As much as can be expected given the current economic climate.

What could they have done better?

Not eaten so many of my favourite bisuits.

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

I'm approaching retirement in a few years and we wanted to check that our financial plans for the future were sound. We also had investments with a well known wealth manager but we weren't that enamoured with the service, or choice of investments available and we really wanted a wholly independent view of our financial affairs. If we could reduce risk and fees whilst improving performance that would be a bonus.

How has David Boyce helped you?

David has been really excellent in terms of understanding our circumstances, making recommendations and explaining everything in sufficient detail. He clearly has a wealth of knowledge and expertise which gave us huge confidence, and he has been incredibly responsive and well organised throughout the process of taking up his advice, transferring investments and setting up a new pension fund. He has also provided some really helpful insights into some of the broader aspects of our financial affairs which was very much appreciated.

Have you seen the outcome you were hoping for?

It's early days and investments have had difficult times so we are not seeing a stellar performance yet - but we remain confident that we have received good advice, that our affairs are well organised and in good hands. Ask me in 5 or 10 years then I'll be in a better position to answer. That said, in terms of our original objectives the outcome has been met.

What could they have done better?

Nothing springs to mind - David has been very attentive and supportive.

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

How has David Boyce helped you since your last review?

Reviewed current arrangements and advised on future plans.

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

How has David Boyce helped you since your last review?

David has helped me by providing a detailed understanding of how each of my investments have performed throughout the year. He also puts into context the actual performance within market conditions. David has mapped a financial plan for me to meet my individual financial needs, for the short medium and longer term. He has reassessed my level of risk and made recommendations on wether given my needs I should make further investments. Once my review was completed he then confirmed everything in writing. I feel we have developed a good working partnership. If I have any financial questions throughout the year, I contact David and he answers my question or steers me in the right direction. David provides an excellent professional financial service.

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

Pension transfer

How has David Boyce helped you?

David has continually given excellent advice after the transfer also. David is very professional with integrity and is wholly trusted to continue giving me advice on my pension.

Have you seen the outcome you were hoping for?

Yes David has been advising me for over two years now.

What could they have done better?

Nothing

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

How has David Boyce helped you since your last review?

David is always very helpful and explains every thing in great detail in a way I can understand.

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

How has David Boyce helped you since your last review?

David continues to provide me with a thorough clear explanation of the options available to me in a way I can understand and in which I have total confidence.

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

How has David Boyce helped you since your last review?

I have peace of mind that our investments are appropriate to our needs, widely diversified and are monitored by Castle Investments / David Boyce as to their suitability during this period of high market volatility..

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

How has David Boyce helped you since your last review?

We have been able to talk to him about when it will be best to release some money and how the market is going. I am reassured that our investments are being well monitored and well looked after

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

How has David Boyce helped you since your last review?

Helped consolidated investments into a package that is suitable for our future needs. Has also provided useful pension advice.

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

Concerns about inflation The poor interest rates paid by bank a building society isas

How has David Boyce helped you?

He carefully explained the different avenues available to us to address these concerns

Have you seen the outcome you were hoping for?

It is too early to say but we have no reason to doubt the quality of the advice we received

What could they have done better?

We are very satisfied.

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

How has David Boyce helped you since your last review?

David continues to provide very helpful advice on how to optimise the performance of my pension funds without exposing me to undue risk. Whilst face-to-face contact has been limited due to covid, David always responds very quickly to my concerns, either by email or phone.

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

Savings in bank account, but return well below inflation. I wanted to understand whole of market options available to me and advice based on my circumstances.

How has David Boyce helped you?

Advised me on options based on tax circumstances.

Have you seen the outcome you were hoping for?

Very early days but I believe I was given very good advice.

What could they have done better?

Nothing springs to mind. Attentive and timely advice and subsequent investment execution. Can’t fault the service.

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

How has David Boyce helped you since your last review?

David has been very helpful since my last review.

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

How has David Boyce helped you since your last review?

David has continued to work with us to reorganise our investments within an IHT planning framework. He provides us with regular reviews and we have confidence in his selection of investments for us.

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

How has David Boyce helped you since your last review?

Continued to monitor pension and other investments, explain where changes are advised, discuss balance between cash and non-cash savings investments, review medium and longer term strategy.

Please provide a brief comment about your experience with David

very helpful and professional

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

How has David Boyce helped you since your last review?

David has continued to give me good professional advice and has kept an eye on my investments and making sure they were in the right place

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

I needed help with investments and retirement planning

How has David Boyce helped you?

He has managed my investments and helped me understand my retirement options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Happy with everything he has done

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

I was looking to invest a maturing workplace pension

How has David Boyce helped you?

He provdes on-going information, advice and guidance

Have you seen the outcome you were hoping for?

I am very happy with his on-going service

What could they have done better?

No complaints

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

I was seeking advice on merging my pension schemes, taking a cash lump sum and reviewing where and the type of investments that were appropriate for my needs over time.

How has David Boyce helped you?

David reviewed and modelled my current financial requirements and future potential income, determined my attitude to risk, advised on taking a cash lump sum and set out the various options, paths and risk approaches, that were open to me with my pension schemes.

Have you seen the outcome you were hoping for?

Yes - David was able to demonstrate with clarity the various options I could take to meet my end goals and so the ability to act with confidence. On a first pass my initial outcome has been exceeded in theory. That is it was demonstrated I could take potentially higher returns and meet my longer term financial requirements, whilst taking a more conservative approach with my investments. At the same time keeping complete flexibility and my other pre-resequisites.

What could they have done better?

The service I received was faultless. Expectations and timely communication were at all times managed well.

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

We were looking to better plan our retirement in terms of savings, investments and pensions.

How has David Boyce helped you?

David has helped us sort out some investment plans and sorted out some outlying pension plans into more flexible draw down products. He was knowledgable but friendly and approachable and showed a good understanding of our position and future goals. We liked the fact that he wasn’t too pushy but guided us through the options rather than selling things to us.

Have you seen the outcome you were hoping for?

Early days but everything has been put in place efficiently and within the discussed timescales. No complaints so far.

What could they have done better?

Nothing I can think of!

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

I needed of the services of an IFA following an unexpected inheritance for my husband who lacks mental capacity.

How has David Boyce helped you?

My criteria was to find an IFA who was well qualified, who lived in the area, who had a wealth of experience and who I felt I could work with and trust. Having considered a number of IFAs it was clear that David stood out. Following legal issues which needed to be addressed first to set up a Discretionary Trust, David was then able to put forward investment options and recommendations. From initial discussions and the attitude to risk analysis through to producing the detailed investment options, I was impressed by David’s attention to detail and willingness to work at the pace of the client. We had to use Zoom throughout lockdown but this brought the added advantage that my daughter was also able to join in the discussions and work towards a solution we were all happy with. David is totally professional and also has a manner which makes it easy to ask questions. David provided a wealth of information in a timely manner and always kept to timescales promised in providing information, answering emails and keeping me up to date on progress. David has also reviewed our individual savings and has given comprehensive advice and investment options / recommendations which have now been put in place.

Have you seen the outcome you were hoping for?

The first step of investing as per the Proposal has been completed. I am happy that I have the opportunity to review the investments on a yearly basis with David and am confident that the best solution has been achieved.

What could they have done better?

Nothing. I am very pleased with what has been achieved and have complete confidence in David.

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

My primary reason for seeking a financial adviser was the realisation that I needed some IHT planning advice.

How has David Boyce helped you?

David was extremely approachable and professional. He took time to understand my situation and objectives and was very clear in his explanation of the options and what I could hope to achieve. He gave me great confidence and went above and beyond to ensure my three daughters were kept informed by communicating with them via Zoom and email. David displayed great patience in answering my many questions and rigorous in clearly and regularly updating me every step of the way on the progress. He was always very prompt in responding to phone calls and emails. Knowing David will be around to regularly review my finances also gives me confidence.

Have you seen the outcome you were hoping for?

I certainly feel that the measures I have put in place will secure the desired outcome, and with David's ongoing advice will keep the situation under review. I will also be consulting David to discuss and review my general finances to maximise my savings and investments.

What could they have done better?

Nothing. I am very satisfied with the service received. Thank you David.

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

We met David when he was an advisor for a high street bank some 12 years ago, and the advice he gave us then proved to be very sound. He moved on and we lost track of him until earlier this year, when we were looking around for an adviser to help us to plan and reorganise our investments now that we are both retired.

How has David Boyce helped you?

David has reviewed our situation and provided us with detailed reports, plans and recommendations, which are now being implemented. His work is meticulous, and he takes trouble to get our input to all aspects of the plan. He updates us regularly and informs us clearly of the fees which will be payable for each piece of work. David is very personable and professional.

Have you seen the outcome you were hoping for?

Yes, we have confidence in the plan he has drawn up and implementation is in progress.

What could they have done better?

Nothing! We are very pleased to have found him again; he is a pleasure to work with

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

We needed an adviser more local to our current location.

How has David Boyce helped you?

He provided a comprehensive review of our current situation and gave clear understandable advice. He is very good at answering questions and replies quickly to any queries.

Have you seen the outcome you were hoping for?

Too early to say.

What could they have done better?

The advice was comprehensive and efficiently provided, and we are happy with his advice which was explained very clearly.

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

We originally met David over 10 years ago and during those years have both retired and needed help with consolidation of our different funds and pensions for the next stage of our lives

How has David Boyce helped you?

David has at all times been very patient and helpful.

Have you seen the outcome you were hoping for?

We are very happy with how things are progressing but it is fairly early days and we have no idea what lies ahead post pandemic

What could they have done better?

We would have no hesitation in recommending David who I don't believe could have done anything better.

Please provide a brief comment about your experience with David

David was very informative and helpful

Please provide a brief comment about your experience with David

So far so good

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

I had just qualified to take my main Employer Pension. I also wanted to review my savings and investments simultaneously, as I was looking for a top up income as well. I wanted advice on how to maximise tax efficiency both my pension and on my savings. I also had an AVC and didn’t know how to use this fund most effectively.

How has David Boyce helped you?

David reviewed my Pension contributions and following his discussions with my Pension provider was able to obtain an increase in my Lifetime Allowance, which gave me greater opportunities when considering my options. Each option was reviewed independently by David and the pros and cons were identified. Advice was given on how best to utilise my AVC. My overall income was reviewed and advice given on how I could increase my retirement income in the most tax efficient way. A full survey and report was provided at each stage of the process. This was backed up with the supporting information on which the advice was based. Everything provided was very user friendly. I was able to have Face to Face sessions, phone call and E-Mail access as required. The report made it so much easier for me to understand what was at stake and to decide on the best option for my needs. After resolving my Pension choices. David then went onto review and report on how best to maximise my savings/investment to provide me with additional income and to protect my capital to meet my retirement needs. My current investments were reviewed to ensure they were right for me and again advice was given on how I could maximise my income but not with the loss of Capital. David is very personable and easy to communicate with. I was very impressed by his level of 20 years professional expertise and quality of his work to agreed deadlines. All fees and costs were explained in detail and many were obtained below the going rates and covered by the investment. There was absolutely no sell at all and you remained the decision maker. I was very impressed by the level of knowledge David acquired on my personal retirement needs and therefore the review was based on meeting my needs and not selling me a product. Overall I was very impressed and felt at the end I was beginning to make informed decisions that I understood about my Pension and future investment. What David has saved me in tax, utilising my ISA allowance, increasing my Pension Lifetime Allowance has more than paid for any costs involved and I will continue to profit beyond the initial decision making. Without David’s professional expertise and input I would possibly have made the wrong Pension decision and I would certainly not have maximised allowances on savings and tax. I highly recommend David and I am delighted by the progress and rapport we have established to date.

Have you seen the outcome you were hoping for?

Too early in the process to say. However I am confident in the decisions I have made as they are informed.

What could they have done better?

Absolutely nothing in my view. First class.

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

A lot of my money was in a SIPP but only as cash , I needed advice as to where to invest my money and for future pension planning .

How has David Boyce helped you?

I discussed with David the various options for my pension and the risk I wanted to take .

Have you seen the outcome you were hoping for?

Yes David’s advice was very good and easy to understand , we agreed on the option that best suited me and I am happy my money in is the right place .

What could they have done better?

Nothing really David was very easy to talk too and explained everything very well .

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

Need to review some of the funds which had been underperforming for the last 3 years and also re-evaluate the overall strategy underpinning the portfolio

How has David Boyce helped you?

Provided an extremely thorough and professional review with detailed comparisons and carefully costed alternatives

Have you seen the outcome you were hoping for?

Not yet as the switch into other funds was only completed in the last 3 weeks

What could they have done better?

Struggling to make constructive comments as. David was meticulous In all that he said he would do and he delivered!!

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

My pension was in a group scheme with my previous employer and I needed to transfer it into a personal pension.

How has David Boyce helped you?

David arranged for the funds in my pension pot to be transferred to a private scheme and, based on my answers to risk questionnaires, he advised on the best scheme that fitted my risk profile.

Have you seen the outcome you were hoping for?

Yes I have. During the present crisis where the markets have suffered a downturn, the scheme that my funds are in has still performed well. I am due to retire in the next couple of years and the outcome is good.

What could they have done better?

I can’t think of anything to say here. David has been very professional throughout.

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

I took early retirement and moved to the area, releasing equity for investment to supplement various pension schemes accrued during my career. Having previously had advice from an IFA who was not actually independent and offered very little financial planning I found David's details on VouchedFor.

How has David Boyce helped you?

David visited my wife and I at home a number of times to get a solid understanding of our current situation, desired outcomes and ambitions for the future, helping us to find clarity in what that means in terms of our future financial needs. Laterally David hosted Google Meet calls when the social lock down was instigated due to the current Coronavirus pandemic. He proposed a portfolio of investments which we have now adopted, along with some options for future opportunities.

Have you seen the outcome you were hoping for?

We are very confident with the portfolio David has suggested and given his ongoing support believe we will be able to navigate what now looks to be an uncertain future.

What could they have done better?

I genuinely can't think of anything. Having switched advisor David has provided the breadth of support and guidance we were looking for.

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

I wanted to transfer and combine pensions. I contacted David as he was local and is a Chartered Financial Planner.

How has David Boyce helped you?

Initially David visited me and gave some very helpful advice. He has since provided me with a detailed financial review and is in the process of completing the transfers. David has spent a lot of time with me discussing options and finding the best investment funds whilst considering long term objectives. He has explained everything in detail and has always been prompt in responding to any questions. David is professional, trustworthy and has kept in touch all the time.

Have you seen the outcome you were hoping for?

I am very happy with David's recommendations and with his expertise I have no concerns about my investments.

What could they have done better?

Nothing. David has done a lot more than I would have expected.

Please provide a brief comment about your experience with David

David is thorough, patient in explaining intricate and sometimes arcane processes. He is, as far as we can tell, absolutely straightforward in identifying risky strategies and also the more reliable, balanced route to sound investment planning. He was quick to appreciate relevant personal situations and take account of them.

Please provide a brief comment about your experience with David

Very professional and clear

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

My husband found David when he was looking for someone to take over his financial planning and was very satisfied with his careful advice and looked forward to their meetings.

How has David Boyce helped you?

When my husband died I was very relieved to have David to turn to for his expert advice and help in re-organising my finances, knowing that I could rely on him.

Have you seen the outcome you were hoping for?

David has been a great help giving detailed advice explained with his clear diagrams which I am sure will continue into the future.

What could they have done better?

I don't think he could have done anything better - very satisfied.

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

We were looking to do something with accumulated savings and start planning for retirement.

How has David Boyce helped you?

Advised a very successful savings plan with great returns over 5 years. Helped ensure we build up our pension fund in a tax efficient manner.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

The reason I needed a financial advice was to help me decide how to safely invest my pension pots and to maximise the investment growth on my money.

How has David Boyce helped you?

I contacted David by phone, after seeing his details on an official government website listing accredited financial advisers. David and I made an appointment to meet at my house. David arrived on time and explained what he did and took some details of what I wanted, when he left he said he would look at some options and come back to me with some ideas. At all times David kept me informed by email of what he was doing and came up with investments I was happy to go along with.

Have you seen the outcome you were hoping for?

I am happy with the recommendations David suggested and hope my investments grow as anticipated.

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

How has David Boyce helped you since your last review?

Provided excellent service with detailed analysis

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

How has David Boyce helped you since your last review?

Understood our current and future needs and gave positive advice that was explained so we could understand it and were able to decide the next steps to full retirement in a clear and straight forward manor of a complicated subject.

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

Having managed to reach the ripe old age of 55 and it dawning on me that I had accumulated several pension pots, I took the advice given in a 'Pension Wise' booklet and contacted via email financial advisers in my area who were listed on the Financial Conduct Authority (FCA) website.

How has David Boyce helped you?

David helped me to unravel the complexities of the various options specifically applicable to me, at the same time as clearly and honestly explaining the risks and costs involved. His advice was clearly explained and backed up with sufficient evidence to make me feel confident in the outcomes he suggested.

Have you seen the outcome you were hoping for?

I now know exactly where I stand with regard to my retirement income and feel that having transferred my pensions as per David's advice I believe that both I and my next of kin have greater financial security in the future.

What could they have done better?

I honestly cannot at present think of anything that David could have done better.

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

I was looking for a local proactive advisor to deal with a complex situation

How has David Boyce helped you?

David, was patient, spoke in terms we could understand and dealt with all of our complex requirements to a high standard with an outcome better than we expected.

Have you seen the outcome you were hoping for?

Yes to our complete satisfaction.

What could they have done better?

Well our tree needed pruning. … Seriously though we are totally satisfied and feel in safe hands.

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

Dissatisfaction with previous IFA

How has David Boyce helped you?

Carried out a detailed review of income and pension arrangements. Provided detailed account of pros and cons of various strategies, including not using an IFA or staying with current adviser. Clear about charges and fees.

Have you seen the outcome you were hoping for?

Yes, although early days yet. But I am confident we will always be in an informed position in future so we can evaluate the quality of the service and compare it with alternatives.

What could they have done better?

No suggestions at this stage.

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

Passing money down generations; managing Inheritance Tax implications

How has David Boyce helped you?

Explained Inheritance Tax rules, presented different options to mitigate tax implications, selecting a portfolio of AIM IHT ISA providers

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing in terms of the advice which has been thorough and professional, patiently responding to many queries. Being a self managed investor created some complications in terms of fitting into the range of service plans/fees but these were easily worked through.

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

Generally unhappy with previous investment house.

How has David Boyce helped you?

To review and reconstruct investments, pension and trust provisions. In particular with regard to provisions and options for grandchildren.

Have you seen the outcome you were hoping for?

At the time of writing, this is quite early in the process but information David has provided about our options has been invaluable. This has been particularly true of a number of investment vehicles which have been dormant and for which here is now a plan for their efficient use.

What could they have done better?

Davids level of communication, responsiveness and clear explanations have been faultless.

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

Early retirement, investment of pension lump sum and need to re-structure existing investments to cover retirement.

How has David Boyce helped you?

Full review of existing circumstances covering income and expenses, future plans including retirement income and desire for some growth such that ultimately our son can inherit. This led to a comprehensive set of detailed proposals including one significant element which we would not otherwise have thought of. Everything was clearly explained so we could follow the logic of each part of the plan.

Have you seen the outcome you were hoping for?

So far yes in terms of the resultant proposals. It will take time to see how investments perform however there are regular reviews so we can adjust of necessary.

What could they have done better?

Nothing.

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

The death of my husband who had previously dealt with all our financial planning.

How has David Boyce helped you?

I was in a very vulnerable position and at a complete loss as to what to do. David was referred to me and has been a godsend. He is extremely personable, professional and efficient and gave me all the information I needed in a clear concise, understandable way that provided clarity about my options, has allowed me to make informed decisions and has given me confidence that those decisions are at the right level of risk and result for my circumstances. David was very thorough, looking at my situation as a whole and my future plans, and together we have agreed a financial approach that I am confident will allow me to live the life I want to and provide for my children.

Have you seen the outcome you were hoping for?

Yes - we have set up a portfolio that works for me and which I am now happy to leave for David to manage on my behalf with full confidence. I hadn't realised how much relief this security in my future would bring.

What could they have done better?

I honestly can't think of any improvements.

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

We had retired and received a legacy so needed savings and investment advice.

How has David Boyce helped you?

He checked our circumstances, income and expenditure and how and when we anticipated using our savings, what levels of risk we were prepared to take, and then advised us accordingly. He gave reasons and evidence for his advice and prepared all the necessary paperwork for us.

Have you seen the outcome you were hoping for?

In part but it is early days for the investments.

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

Planning for retirement. Multiple pension funds of different types with different benefits, the total exceeding my Life Time Allowance. Change in pension law, making the choice of annuity/drawdown more critical. Some elements of the different pensions awarded to my ex-wife by the Family Courts, which added considerable complexity.

How has David Boyce helped you?

Helped with the strategy of which sequence to take the different pension funds, and which not to crystallise given the excess over Life Time Allowance. Gave advice on which funds to amalgamate, within the constraints of a Court Order awarding one tax-free lump sum to my ex-wife. Assisted in the decision as to which funds were best taken as final salary, which as drawdown and which as annuity. Effected introductions to Fund Managers who could manage the drawdown fund.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't make any recommendations here. David was very engaged, attentive to detail and gave extremely clear advice in what was a complicated portfolio (with the added former matrimonial complexity)

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

needed to sort out 4 different pension pots

How has David Boyce helped you?

organised where and how to invest each pension pot to get the best return for my needs

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

I can think of nothing that could of been deal with in a better way.

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

I had lived in Dorset for 6 years, and had been served by a good IFA for 20 years, but who was considering retirement me and who lived in Cheshire. I wanted an IFA who was a generation younger than me and who lived locally. I was born in 1937 A web search came up with David who has an impressive CV and who stood out from others interviewed.

How has David Boyce helped you?

David reviewed our Budget and our investments in Personal Pension Plans, ISAs, Gift and Loan Trusts (IHT Investments) and Banks and Building Societies. After meticulous analysis he put forward carefully costed and thought-out proposals, which, after much discussion and over a period of 5 months we fully implemented.

Have you seen the outcome you were hoping for?

Yes, and more. David is part of a Group of IFAs who operate under the umbrella of Castle Investment Solutions, which helps the clients of IFAs to access high quality Discretionary Fund Management Companies. This means that the performance of our investments are continuously monitored and switched as felt appropriate.

What could they have done better?

I can't think of anything. David is punctual, friendly, attentive and a good listener and communicator.

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

Retirement planning

How has David Boyce helped you?

David reviewed all our existing savings and pension products, ensured he understood our future needs, and attitude to risk, before making suitable recommendations.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

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

I wanted to be able to reinvest capital to provide me with an increased income whilst still safeguarding the original capital. This was achieved successfully and my capital is still keeping up with present day inflation.

How has David Boyce helped you?

David worked hard to achieve my extra income. He kept me in touch throughout with emails and home visits and supplied full coverage of his work through emails and phone calls.

Have you seen the outcome you were hoping for?

Some of the extra income does not start until next month but it is an assured income and I am completely satisfied with the outcome.

What could they have done better?

The whole process takes a few months to complete but this is due to investments having to be cashed and transferred via bank accounts to new sources, This will always take time and is out of hands of any adviser but David kept me fully informed the whole time which was very encouraging.

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

My divorce settlement required the transfer of a pension from my ex-husband to me. I therefore needed a financial advisor to carry out the courts ruling

How has David Boyce helped you?

David took great pains to make me feel comfortable and relaxed when we first met in his office. He worked really hard to ensure that the financial package was the correct one for my circumstances - which as it turned out was spot on. Now I meet with David occasionally and he takes the trouble to come to where I am.

Have you seen the outcome you were hoping for?

Yes - David keeps a eye on things and I can relax knowing that my finances are in safe hands.

What could they have done better?

I don't think David could have done anything better. There have been no hiccups along the way. It is so nice to have a financial advisor that is accessible and cares for his clients.

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

Inherited money

How has David Boyce helped you?

He produced an investment plan for us which completely took into account our attitude to risk and what we wanted the money to be able to do for us. He recommended an actively managed investment which in the current uncertainty of Brexit gives us reassurance that our investment is being continuously reviewed to maximise the returns and minimise the risk of loss.

Have you seen the outcome you were hoping for?

The money has only been invested for a relatively short time but seems to be bearing up well in the current uncertain economic situation

What could they have done better?

Nothing - he was friendly, professional and explained everything well

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

To invest a sum of money on behalf of my late Father's estate

How has David Boyce helped you?

David gave very good advice on different investment vehicles and the pros and cons of each. He demonstrated in-depth knowledge of the issues involved with investing on behalf of a trust. He was very thorough in ensuring that all the necessary detail were attended to.

Have you seen the outcome you were hoping for?

Yes I am happy with the investment and the returns being generated so far

What could they have done better?

Can't think of anything

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

I was looking for a financial adviser to better understand my options on taking tax free cash from my pension at the age of 55

How has David Boyce helped you?

David Boyce gave me a broad range of available options on drawing down my tax free cash (TFC) from my pension. This was also supported by a clearly laid out financial review which made the whole process easy to understand. All of my options were financially tailored to my needs and David proactively communicated with me throughout the whole process.

Have you seen the outcome you were hoping for?

I was more than satisfied with David's services, they were excellent. Our initial review meeting was a brief look at my pension details (no charge) to ensure I was eligible to take the TFC and all the charges were clearly explained. David has a trusting approach and I wouldn't hesitate to use his services in the future.

What could they have done better?

It simply couldn't have been done any better.

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

I had six personal pensions with different providers and I wanted to amalgamate from these six into two pension funds. I also wanted advice regarding the best investments given our lifestyle and attitude to risk.