Adam Rideout

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

How has Adam Rideout helped you since your last review?

Continued to manage our investments and offer advice as our jobs and goals have changed.

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

I was underwhelmed with my previous financial adviser firm, having been provided different advisers over time and not having received proactive or progressive advice.

How has Adam Rideout helped you?

Adam understands my personal goal. It's the first thing we cover every meeting. With the goals set and the budgeting templates provided, he is able to help me with investment advice, retirement planning, insurance planning, all of which are helping me achieve my goal, but also give me confidence in that my finances are being respected and my personal risk profile listened to.

Have you seen the outcome you were hoping for?

I like Adam's philosophy on investment, as it aligns with mine, and his advice has yielded the required results.

What could they have done better?

I have nothing to add here

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

How has Adam Rideout helped you since your last review?

Adam has continued to provide support around my all round financial planning. He has helped me to find legal support to set up will and power and attorney, continue to provide investment and financial planning advice and has been consistently done so to a very high standard. Adam remains a personable advisor with excellent communication skills and remains highly valued advisor whom I would have no hesitation in recommending.

Please provide a brief comment about your experience with Adam

We approached Adam for advice on pension planning. I was impressed by the accuracy and thoroughness with which he collected key information about our personal and financial circumstances and then proceeded to outline options he thought might be suitable for us. I consider accuracy and attention to detail to be very important in a financial adviser, so I am pleased that we have someone locally to whom we can turn in the event that we need further advice.

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

Seeking an adviser who can offer specialised advice that I didt not have access to for financial investment planning

How has Adam Rideout helped you?

Adam has helped me setup a employer contribution pension and transfer other pensions into a single one.

Have you seen the outcome you were hoping for?

Yes, initially I was reluctant to do it however longer term a single pension was probably for the best.

What could they have done better?

Have no feedback on what could have been done better

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

I had numerous Pension pots and struggled to be able to have a clear path to retirement.

How has Adam Rideout helped you?

Adam has helped me to consolidate these pensions and identify how to manage my routoe to retirement.

Have you seen the outcome you were hoping for?

The current projections are inline with my needs and expectations. I also have much clearer understanding of what I need and want from the investments.

What could they have done better?

I'm not sure really.

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

I had never reviewed my finances properly and what I needed to do to safeguard our future plans. I needed to understand how I should invest so that my family finances are suitable for pending retirement in next 10-15 years.

How has Adam Rideout helped you?

Adam helped us collate our current pensions all in one place and explained if we took no action what the potential pitfalls were. We had a few meetings to help put a plan together and have now put this into action.

Have you seen the outcome you were hoping for?

Yes now feel comfortable with finances and that I am investing excess funds correctly.

What could they have done better?

Not sure

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

We were approaching retirement fast and we were extremely worried about our pension provision having been affected by an employer who went into liquidation.

How has Adam Rideout helped you?

Adam has been incredibly helpful, particularly in organising our pensions and helping us plan for the future. His advice is always clear, tailored to our needs, and he makes even the most complicated financial matters easy to understand. What I appreciate most is his attention to detail and how approachable he is, he always takes the time to explain everything thoroughly.

Have you seen the outcome you were hoping for?

Yes, we have been reassured and organised.

What could they have done better?

Absolutely nothing!

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

I needed to set up my personal pension and make some plans around investments.

How has Adam Rideout helped you?

He has been helped me invest and make financial plans for my retirement

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?

Retiring from work and required a review of my financials from an independent financial adviser.

How has Adam Rideout helped you?

Adam has provided an excellent service to date. His ability to listen and quickly capture the key information to provide a clear plan is his superpower. He asked key questions to enable me to think more deeply about my needs and wishes and manage my expectations.

Have you seen the outcome you were hoping for?

It is early days in my journey but everything has gone to plan so far and the proposed plan has been implemented successfully.

What could they have done better?

Everything has gone well so far.

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

We needed a clearer understanding of our situation regarding our pensions, options to draw tax free lump sums and whether we could arrange a new mortgage.

How has Adam Rideout helped you?

He has modelled our pension planning, given us a clearer understanding of how our retirement years could look with a variety of different scenarios. We have now merged two of our pensions into one and taken a tax free lump sum from one.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Honestly we could not have asked for a better service.

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

Adam was recommended by a friend for help with insurance and general financial advice

How has Adam Rideout helped you?

Adam found me critical illness cover as well as later helping with advice for life insurance after I had my son

Have you seen the outcome you were hoping for?

Yes I mainly wanted to feel more confident and not have to think about financial future for my son if I die since there is no second parent so I'm glad he will be financially provided for even though I originally thought financial advice was only for the wealthy (I am not!)

What could they have done better?

Nothing

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

Needed to get my finances in order

How has Adam Rideout helped you?

Adam has been very clear and concise with his advice and brought a focus to my short and long term plans

Have you seen the outcome you were hoping for?

It's still early days but i'm sure im now headed in the right direction

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

Was introduced to Adam by the employee financial advisors my employer uses.

How has Adam Rideout helped you?

Has established how we can align our investments to retirement planning, and develop an investment strategy moving forwards

Have you seen the outcome you were hoping for?

It's going very well so far. I'm not the easiest of customers and he has managed to reduce complexity into relative simplicity

What could they have done better?

Not much

Please provide a brief comment about your experience with Adam

Very responsive and well organised. Dealings so far with Adam have been excellent.

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

Heading towards retirement

How has Adam Rideout helped you?

Great advice on our timeplan for our retirement years

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - all advice has been excellent

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

Very old and non productive portfolio and pensions and investments prompting concern for the long term as we advance in age. Needed to get sorted out so I could be peaceful on all financial aspects going forwards. Want to sleep at night!

How has Adam Rideout helped you?

Very measured and balanced advice step by step looking at all aspects so we can feel in control of where our finance is and that it is being managed. We are not the experts - it is a comfort to have a professional take it in hand!

Have you seen the outcome you were hoping for?

Not as yet as we are stepping out of the strategic stage and about to embark on the action plans. However in terms of peace of mind as a required outcome then that is most definitely improved. Time will tell regarding the growth and management of our finances.

What could they have done better?

Nothing as yet - other than guarantee the impossible!

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

Adam was recommended to us at a time when we were seeking financial guidance for the future

How has Adam Rideout helped you?

He has clarified our current and future financial viability and supported us in our decision making

Have you seen the outcome you were hoping for?

Absolutely!

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 had worked with a well known financial advisor previously but felt I wanted a more personal service. Other family members were working with Adam and I was impressed with how he was advising them. I wanted advice across my whole financial situation and I felt this is what Adam would offer.

How has Adam Rideout helped you?

Adam is very thorough in his approach and meticulous with details. Whilst he is managing my long term investments we treat them as just that and therefore mainly focus on other aspects of financial planning during our regular 1:1 catch ups. Adam is easily contacted and very responsive. I recently reached out with a question about moving some assets and he responded within 24 hours and set up a call. He has also put me in touch with specialist lawyers to help with some complicated family property issues. He has a lovely manner so when we meet and I haven’t done all the things I said I would do he is very professional!

Have you seen the outcome you were hoping for?

Yes in that I feel together we are sorting my affairs out.

What could they have done better?

Not sure anything could be done better. I feel that I get a personal and professional service.

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

I needed to consolidate my pensions to give me more flexibility in retirement.

How has Adam Rideout helped you?

A full assessment of the options for my pensions was undertaken and then consolidation of some portions of the pension was completed.

Have you seen the outcome you were hoping for?

So far, yes the pensions have been organised in a way that allows me to plan better for my retirement.

What could they have done better?

The service has been excellent, they have taken the heavy lifting from the paperwork and coordination with the pension administrator. It would have been useful to know in advance that it was going to be a lengthy process, just to manage my expectations.

Please provide a brief comment about your experience with Adam

Adam was extremely knowledgable and helpful - offering a 360 degree assessment of my positions and giving extremely sound guidance and advice. I cannot recommend highly enough,.

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

Primarily it was to seek advice on best way to transfer corporate pension into a private scheme. From their own, the scope expanded to optimize personal savings and insurance products and overall financial plan to see me and family through to retirement and beyond

How has Adam Rideout helped you?

With objective advice and setup of all aspects mentioned above

Have you seen the outcome you were hoping for?

Yes

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

We were lucky enough to come into a pot of money and wished to put this to good use. We are both extremely busy, and whilst we take in interest in matters of finance, the reality is there aren't enough hours in the day.

How has Adam Rideout helped you?

Adam helped us consolidate pensions and introduced us to several investment opportunities we were previously unaware of. We worked us through our hierarchy of financial needs, and got us to think about the things that really matter to us. We are in safe hands!

Have you seen the outcome you were hoping for?

We're less than 12 months into our relationship with Adam so it's too early for us to be able to respond to this, however, I am confident we will, because we're in this for the long term.

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

I was looking to secure my financial future.

How has Adam Rideout helped you?

Adam has been a great help in directing and advising on my personal finances. I initially engaged with Adam whilst living in London to advise on investments and pensions. Adam has been a great help through my move to Sydney and still assists with my UK based assets.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not being financially minded as such I can only go by the results which I'm more than happy with.

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

I knew that i need to plan for the future but didn't know really know how to go about it, nor where to invest. So I wanted someone whom I could work with, to help me find a solution that worked for me - in particular, someone who would understand what was important to me, and would create a solution specific to my needs.

How has Adam Rideout helped you?

Adam helped me take control of my finances by: (1) Helping me understand my spending patterns (2) What I need to save to retire (3) Where to invest (4) What I could save each month

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

N/A

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

I had multiple corporate pension funds and needing to consolidate them.

How has Adam Rideout helped you?

Adam first approached me in 2014 and since then he has helped me consolidate my corporate pension funds into one which he has been managing for me. Adam reviews the performance of my fund against my future needs each year. As my trusted financial advisor, he has also helped me with a range of related matters. I highly recommend Adam to anyone who is looking for a financial advisor that they can trust.

Have you seen the outcome you were hoping for?

Yes

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

My wife and I sought Adam’s advice as we embarked upon purchasing our first family home, started long term financial planning for retirement and wanted to understand financial mitigations that could help protect our overall financial wellbeing in the event of ill health.

How has Adam Rideout helped you?

Adam helped us understand our financial planning goals, identifying what was important to us as we planned for our future. Adam then helped us develop a financial plan to meet those goals and provided sound, jargon free financial advice to help us meet our future goals.

Have you seen the outcome you were hoping for?

Customer service was prompt and personal. We have achieved our initial goal of purchasing our dream family home. We are now well on the way to laying the foundations for our retirement savings and Adam has helped us put in place sufficient life and critical care cover to ensure our financial plan and goals are substantially protected if untoward events were to arise.

What could they have done better?

Service levels were excellent.

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

After the death of my husband I had quite a substantial amount of cash that I was loath to leave in my bank account. Friends had been using another financial adviser for some years but discovered Adam and transferred everything over to him. They strongly recommended him.

How has Adam Rideout helped you?

I’m a complete novice in the world of investments and I found Adam to be extremely pleasant to deal with and allayed my fears. He explained everything in terms I could understand and is very willing to further explain anything I need reassurance with. Nothing is too much trouble.

Have you seen the outcome you were hoping for?

I’m fully aware of the potential outcomes of investment, thanks to Adam, and I have full confidence in his management.

What could they have done better?

At present, I cannot fault him.

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

I was concerned that I wasn't planning sufficiently to ensure that I could provide for my dependents and enjoy a comfortable retirement.

How has Adam Rideout helped you?

Adam has helped me think about the various elements comprising the financial security of myself and my family, from pensions and investments to life insurance. He worked with my wife and I to create a long term strategy with milestones and goals, which we revisit from time to time and adjust where necessary.

Have you seen the outcome you were hoping for?

Yes, I feel more at ease in respect of my financial future and ability to provide for my family. Adam has been very attentive, professional and I have always felt that he is looking out for my best interests and those of my dependents.

What could they have done better?

I can think of no negatives in respect of the service offered by Adam or his team. My only slight gripe was in respect of the mechanics of exchanging personal data, which was at times somewhat clunky (though admittedly Foster Denovo's emphasis on data security was reassuring). In any event this issue has been resolved.

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

I took financial advice mostly to get comfort that I was preparing appropriately for retirement - the right budget, the right approaches. I also wanted help with tax efficiency and to reduce the decision burden on myself.

How has Adam Rideout helped you?

Adam has put together a clear financial plan, with expected and stress scenarios, which we revisit annually. He is also available for advice whenever there is a decision to make. Finally, he also gives rounded advice and checks in on goals etc regularly, for example making sure we get the right balance between saving and enjoying today.

Have you seen the outcome you were hoping for?

Yes, I am confident in my financial direction and spend a lot less time and energy thinking about it, as I know I can rely on the plan and review.

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

I was widowed very suddenly in 2021 and had no idea what to do financially to look after myself and our 2 children.

How has Adam Rideout helped you?

Adam was so so patient and guided me through what was the best long term plan.

Have you seen the outcome you were hoping for?

Yes feel a lot more secure knowing I have a plan in place.

What could they have done better?

Nothing

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

Retirement

How has Adam Rideout helped you?

Conducted a thorough analysis of my financial requirements and matched those with my risk appetite on investment. Conducted thorough "what if" scenarios on how financial shocks could impact my plans. Helped me consolidate several pension funds. Made sure I maximised various tax reliefs available.

Have you seen the outcome you were hoping for?

So far, yes.

What could they have done better?

No improvements I can think of.

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

I am approaching retirement age and my husband and I wanted to explore options for our future, including whether to continue working full time or part-time, or flexible/full retirement.

How has Adam Rideout helped you?

Adam helped us to think through what we wanted to achieve in retirement. Based on the lifestyle we hope to achieve, Adam prepared a report that set out how that could be financed and made recommendations for optimum times to start taking pension income; explaining the impact of different scenarios.

Have you seen the outcome you were hoping for?

I have the outcome I hoped for - and more. Adam explained everything in terms that I could pick up and understand. I am now able to make informed decisions and appreciate the financial impact of each of the options that I have.

What could they have done better?

I can't think of anything that Adam could have done better.

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

Approaching retirement and embarking on a major expenditure (house renovation)

How has Adam Rideout helped you?

Adam reviewed our full financial and personal position from a holistic perspective - taking into account our goals, preferences, risk appetite, likes and dislikes, plans and aspirations. He provided an assured guidance through options, formed the plans in consultation with us, explained pros and cons of each step and finally implemented the recommended changes to get us on to a sound financial footing for the future through to end of life. It was especially important to us that the resulting position was open and clear with low complexity in accessing and understanding our financial position and prospects. The consolidation of our pensions and investments onto the Clearview platform gave us this view and control.

Have you seen the outcome you were hoping for?

Yes absolutely. Not long after competing the initial changes recommended in the financial plan we received an unexpected financial shock (redundancy). Thanks to Adam's ground work, this was very easy to cope with. Some small adjustments to the metrics in the planning tool and we had complete assurance that we were in a sound position to meet our goals.

What could they have done better?

The service, engagement and process management have been exemplary. We especially appreciated Adam's personal approach and clear narratives. He has shown that he cares about achieving the right result, has great empathy and we feel that a friend is looking after us

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

We wanted to simplify our savings and make them work more for us to ensure financial security into the future.

How has Adam Rideout helped you?

Adam reviewed our existing savings and investments and then put together a recommendation. In principle, this recommendation was exactly what we were looking for, and so, over the coming weeks, Adam’s team implemented the recommendation for us.

Have you seen the outcome you were hoping for?

Yes, our finances are now more simple to view and manage. Time will tell if we get the growth that we’re hoping for.

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

Realisation that I'm not getting any younger and really hadn't given much thought to what might pension might provide in retirement.

How has Adam Rideout helped you?

Made me think about what I actually want from later in life. Explained clearly what I need to do to achieve it, and created a plan of action to follow.

Have you seen the outcome you were hoping for?

Clearly it's a journey and I've a few years left to go on it, however I'm happy with how things are going and I know that someone is proactively looking after my interests and firmly guiding me to achieve the outcome I'm hoping for.

What could they have done better?

Nothing that I can think of.

Please provide a brief comment about your experience with Adam

Adam has provided a 5 star service helping me plan my pension. Adam has been very professional in every aspect of the planning process from helping me understand what my options are to ensuring that him and his team will work with me to get the best pension plan in place for the rest of my life. I cannot rate Adam highly enough and would recommend him to anyone thinking of how best to plan their pension.

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

Wanted someone to oversee and advise on passive, long term investments. Also provide options we may not have considered for retirement planning.

How has Adam Rideout helped you?

Although we had a good structure in place, Adam reviewed everything and provided options to consider that could improve our situation at the time. The annual reviews including projections to retirement based on our medium to long term goals is very useful in visualising if we're on track.

Have you seen the outcome you were hoping for?

Our private pensions are performing well without any need to micro-manage them. The annual reviews help to keep them visible and reflective of our risk appetite.

What could they have done better?

Generally very happy with Adam's services and it's reflected by referrals to several of my friends and work colleagues, many of whom have engaged his services.

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

I was in the dark about options regarding my personal pension

How has Adam Rideout helped you?

Explained the options clearly and highlighted the advantages of transferring my personal pensions to a more flexible arrangement

Have you seen the outcome you were hoping for?

Yes, I now feel more relaxed about my future

What could they have done better?

Not sure

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

I've always looked after my own financial affairs but increased complexity around pension rules and retirement planning led me to contact Adam on the recommendation of a friend.

How has Adam Rideout helped you?

Adam took time to understand our goals and help devise a financial plan for the future, providing advice on our pensions and investments to ensure we were utilising these effectively and in line with our risk appetite.

Have you seen the outcome you were hoping for?

Yes, it has been very positive to date although I view this as a long term partnership.

What could they have done better?

Nothing

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

Wanting to plan for our future and our daughters future

How has Adam Rideout helped you?

Adam explained everything in a really simple way and always tried to keep costs low. He listened to our goals and I feel he has contributed to helping us achieve them.

Have you seen the outcome you were hoping for?

Yes

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

I did not have a financial adviser before Adam and I sensed I needed to get my financial affairs in order.

How has Adam Rideout helped you?

I was introduced to Adam by a friend in our industry. Convinced that I wouldn't be a target client for Adam and he would be of minor value to me, I reluctantly agreed to meet. Since then Adam has helped me & my family with a more structured, tailored approach to financial planning and helping us translate our aims into viable short term and long term financial goals. Adam's guidance in consolidating a clutch of pension arrangements has given us a realistic view of what else we must do to retire comfortably, whilst his advice on tax-efficient investment wrappers to complement our 'pots' and give us flexibility, has allowed us to build-in some life-time events into our financial plans. The long-term modelling of financial planning has helped us immensely. He's extremely personable and very efficient and I recommend him without reservation.

Have you seen the outcome you were hoping for?

Yes. We have much greater comfort in the retirement scenarios through proper planning and tax-efficient savings.

What could they have done better?

I cannot think what else could have been better.

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

When I met Adam I was in need of some help. I had various Pension Products dotted about and was desperate for some management/control. I was also a bit suspicious that I was not maximising my Return on Investment.

How has Adam Rideout helped you?

After good advice from Adam, we consolidated products under one management fee to save money. I was very confident Adam would put my investments to work and maximise return.

Have you seen the outcome you were hoping for?

Yes, I now have a plan, which I had been lacking for years. Stagnant investments are now working to maximise return and I am confident my retirement will be a comfortable one.

Please provide a brief comment about your experience with Adam

This was the first time I had ever spoken to a financial advisor and at 42 there was a lot to discuss! Adam has been so supportive during the whole process and guided us on the right direction to go. His advice has been totally invaluable.

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

To move my pensions into one pot rather than having them in various different places.

How has Adam Rideout helped you?

Recommended how and where to put my various pensions.

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?

To ensure we were on track with planning for our future and ultimately retirement.

How has Adam Rideout helped you?

He provided some fantastic advice. Takes a very structured view of your situation which starts with identifying your objectives and getting you to think about them properly.

Have you seen the outcome you were hoping for?

In progress at the moment. The outcomes are expected to yield over years.

What could they have done better?

Nothing. I liked the fact that he doesn’t rush to talking about products.

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

Needed long term strategy, pulling legacy pensions together in something I can more easily track for performance.

How has Adam Rideout helped you?

Laid out forward picture and sharpened my focus on what I need to do especially in he next 10 years.

Have you seen the outcome you were hoping for?

I have a new pension that has performed well.

What could they have done better?

Honestly Adam has been exceptional. I wouldn’t hesitate to recommend Adam.

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

I wanted to plan for retirement and ensure I was financially secure when I finished working. I was also contributing to pensions at work but had no idea if I was maximising my benefits so decided to engage with a specialist.

How has Adam Rideout helped you?

Adam has allowed me maximise my personal and work pensions, moved an old work pension into my private one to avoid messy admin years down the road and also set up an ISA for me to ensure I was being as tax efficient as possible with my savings. He also keeps me abreast of HMRC changes which may have a negative impact on my tax liabilities, so we also ensure I maximise my pension allowance each year. In addition, advise on mortgage insurance policies and inheritance planning allows me to know that should anything happen, my partner will be provided for.

Have you seen the outcome you were hoping for?

Yes, very much so - all our planning sessions include analysis on how I will be, financially, when retirement rolls around and all indictors are are green, but apart from the far off planning, I am very happy with the advice Adam has provided to me on day to day matters which could have large financial implications if not handled with due care.

What could they have done better?

I am very happy with Adam's service and performance so far and have recommended to him several friends.

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

I inherited some cash, shares and bonds following a family bereavement and needed some advice about how to manage it.

How has Adam Rideout helped you?

Adam helped me to get an understanding of my financial situation and which type of investments would best suit me based on my personal risk profile and for the stage of life I am currently at. Whilst also incorporating into my financial plan where I wish to be in both the short at long term. At every stage he has been thorough in ensuring I understand the processes in place and has always kept in regular contact regarding any updates with my finances. I have also been impressed at the speed at which Adam has worked and been able to produce outcomes for me.

Have you seen the outcome you were hoping for?

Very much so, thanks to Adam I feel in control of my finances and secure that my investments are being taken care of by a diligent advisor.

What could they have done better?

At this present stage I am very happy with the service I have received and would not see anywhere this could have been improved so far.

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

Approaching retirement - seeking professional financial advice.

How has Adam Rideout helped you?

Adam took a great deal of time to investigate our retirement needs and advised on suitable investments. He detailed a comprehensive financial plan so as to outline our projected retirement income after taking into account our risk appetite.

Have you seen the outcome you were hoping for?

So far yes. Investment performance needs to be assessed over a longer period.

What could they have done better?

Nothing to mention that comes to mind.

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

I was a novice when I first went to Adam and he essentially told me the bare facts of (financial) life. Never forget that first meeting - a much needed kick up the backside (in the nicest possible way)

How has Adam Rideout helped you?

Helped me structure my financials whilst I was living in the U.K. including pensions, savings etc. And he continues to assist me oversee my financial planning even though I have moved abroad.

Have you seen the outcome you were hoping for?

Very much so.

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

We didn't have a long term plan; we lived day to day, month to month financially and frankly were burying our heads in the sand with regards the future. Having our first child made us realise we needed to get our finances in shape!

How has Adam Rideout helped you?

Adam led us through a full review of our current position and took a number of actions on our behalf, for example consolidating multiple company pensions and reviewing our approach to investment to make our money work harder for us.

Have you seen the outcome you were hoping for?

First and foremost, I feel we have control, perspective and a plan that we can work to and of course alter as we go.

What could they have done better?

It's hard to say...for me the hardest part is getting a grip on spending - when you have as a couple multiple bank accounts, credit cards etc and want to try and get to the classification of it all. We tried a couple of apps but they didn't manage to connect everything. Helping us get more discipline/structure around that.

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

I had recently finished my full time career but am still working part-time and wanted ensure I had an appropriate and holistic financial plan in place as I phased into retirement over the next 5-7 years.

How has Adam Rideout helped you?

Adam took time to understand in detail all the elements of my financial situation, helping me to think through how it all fitted together and what role each element could play in my overall financial plan and life plan. Adam then made some recommendations for my wife and I to consider, including a cash-flow model with various scenarios which brought to life how the future could work out financially. Thereafter we agreed a course of action around pension arrangements designed to achieve optimal flexibility and returns against our risk profile. This involved a transfer and consolidation of some pension plans and Adam helped navigate through the transfer administration.

Have you seen the outcome you were hoping for?

Absolutely. I now have clarity on my overall financial situation, a plan I am confident with which is reviewed annually, or when required, and which is totally aligned with our overall life plans.

What could they have done better?

So far there is nothing I can think of that Adam could have done better.

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

To find a trustworthy and reputable Financial Advisor who could understand and assess our financial needs.

How has Adam Rideout helped you?

Adam assessed our individual pensions, investments and savings, as well making long term financial planning recommendations.

Have you seen the outcome you were hoping for?

Too early at this stage to predict but remain optimistic.

What could they have done better?

Both myself and my wife are sincerely grateful for Adams professionalism in his approach to understanding both our individual and family requirements, somewhat complex at times. There is nothing of Adam which we can find fault with, as he has always been open and transparent for reassurance purposes and will always go the extra mile when needed.

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

Multiple investments required managing

How has Adam Rideout helped you?

Consolidated investments and provided future view

Have you seen the outcome you were hoping for?

So far yes

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

Adam has advised me for a number of years now. I came to Adam for advice as I didn’t really understand my options or what I needed to think about in terms of short/medium/long term financial planning.

How has Adam Rideout helped you?

Adam is very approachable and uses plain/user-friendly language to explain things. Adam has been able to explain to me what I should be considering and tailor the advice to my situation. Adam has never tried to force me into anything but advised and guided.

Have you seen the outcome you were hoping for?

So far everything appears to be going well and am pleased with the advice received.

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

We had had Financial Advisers a long time ago, before our children arrived, when we had some money to invest and although the first one was very pleasant and good at his job, the ones we saw after him were not. It didn't always feel that they were working in our best interests, so after a while we stopped using them. A long time then passed and we were talking finances with our friends and two of them were with Adam and could not speak highly enough of him. So, although we did not think that there was much that he would be able to do for us, considering our circumstances, we contacted Adam.

How has Adam Rideout helped you?

Adam is simply a very nice person to deal with, he is pleasant, engaging and shows a genuine interest in your circumstances, not just financial. After the first meeting, we knew straight away that we wanted him to help us. Adam spent a long time getting all the necessary financial details, covering our history, current situation and our plans. Once all this was in place, Adam was able to provide an incredibly detailed financial outlook, based on these details, which provided an incredible level of confidence around our future plans for both us & our children. As a minimum, once every year, we have reviewed the situation with Adam and made appropriate adjustments to the plan based on any changes in circumstances. Outside of these reviews we have contacted Adam for help & assistance on other matters. Whether this is remortgages, Inheritance Tax questions or anything else, Adam has always given us useful guidance.

Have you seen the outcome you were hoping for?

We have been with Adam for a few years now and we have definitely seen the benefits of his advice, we are pretty sure we would not be on as stable a financial footing as we are now, without Adam. The only regret that we have is that we did not meet Adam earlier than we did.

What could they have done better?

At the current time, there is nothing that we can think of that Adam could have done better.

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

I had excess cash and needed to find a sensible way to invest in the market

How has Adam Rideout helped you?

Adam helped me with a wide range of advice on how best to navigate the market, where to invest for my future and made me think about what I was actually looking to achieve via my investments.

Have you seen the outcome you were hoping for?

Yes, so far Adam's advice has proved excellent

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

Being a member of a number of work related pension schemes I needed to understand where I stood with regard to retirement income.

How has Adam Rideout helped you?

Adam obtained updated values for all existing and past pensions held by my wife and I into a single easy to follow financial plan, taking into account mortgages and other costs. The result showed us that we were actually in a much better place then we had believed. It has also allowed us to easily model different scenarios to understand the lifetime impact and plan accordingly. Lots of other sound advice around tax efficient distribution of our insurances and investments.

Have you seen the outcome you were hoping for?

We are very happy with the advice and information received

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

Took early retirement. Had Pension Wise meeting and studied the information on the government website. Decided that there were too many factors and pathways, making decisions on making my pension pots work best for my retirement income difficult.

How has Adam Rideout helped you?

After initial consultation and review of my personal financial status, including pension pots, investments and savings, generally discussed the future retirement income choices I had. This included a basic review of my wifes financial status as well. I was presented with some choices and I was given the chance to think about these options with my own thoughts of what I expected. My future retirement income was then finalised with very good explanation of the various choices.

Have you seen the outcome you were hoping for?

Very happy with the outcome.

What could they have done better?

Very happy with the entire evaluation process. Written feedback after each discussion stage with sufficient time for me to rationalise the information.

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

Adam was recommended to me by a colleague after a conversation around future financial planning.

How has Adam Rideout helped you?

Adam helped by organising my pensions and investments to ensure my future financial security.

Have you seen the outcome you were hoping for?

So far my investments have grown well and I have a clear understanding of my estimated projections.

What could they have done better?

At the moment Adam has done everything I have required and is always responsive when needed.

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

I was looking for a financial advisor as I had multiple company and private pensions that I was struggling to manage and they all needed reviewing

How has Adam Rideout helped you?

Adam has helped me work through my financial planning as it has evolved over the years. He has always taken the time to understand my needs and help me make plans for them. His explanations of the different aspects of financial planning and products available have been clear and simple to grasp making it easy to decide on a course of action.

Have you seen the outcome you were hoping for?

The advice from Adam has been long term and is still evolving as we progress through my working life. So far the predicted outcomes look good and Adam's advice has been consistent.

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

I had decided to take early retirement together with receiving a redundancy package and realised that I required professional assistance to plan for my future and how best to make my secure my future pension pot.

How has Adam Rideout helped you?

A good friend and colleague recommend Adam, who with his assistance helped me through what at first I thought would be a very stressful time into a very smooth and easy to understand transition into retirement.

Have you seen the outcome you were hoping for?

Yes, everything has been put in place by Adam and his team exactly as explained and outlined during our meetings.

What could they have done better?

No, I am extremely satisfied with the service given by Adam and his team. I have been a client for two years and would not hesitate to recommend Adam and his team

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

Initially it was to assist in consolidating different pension plans that I had accrued through my career.

How has Adam Rideout helped you?

Adam helped with the consolidation process and has subsequently provide financial planning advice aligned to my aspirations in retirement.

Have you seen the outcome you were hoping for?

Yes absolutely. I believe that we have made significant progress in simplifying my pensions arrangements and I am delighted with the direction that the new consolidated personal pension is moving.

What could they have done better?

Honestly to date nothing. I have been very impressed with Adam's ability to assess my existing arrangements and identify what I need to be doing to provide for my retirement. As my tax position has become more complex Adam has been able to assist in managing this in an efficient and extremely professional manner. I would have absolutely no hesitation in recommending Adam to anyone considering engaging his services.

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

I was looking for advice on financial planning, as well investment and savings.

How has Adam Rideout helped you?

Adam has offered excellent practical and knowledgable advice on all aspects of financial planning, pensions as well as savings and investments. In particular, Adam has helped to build up a long-term financial plan to retirement.

Have you seen the outcome you were hoping for?

Yes, Adam's advice is always straightforward and clear and has been hugely helpful in framing all aspects of my financial planning.

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

Needed to set up a personal pension

How has Adam Rideout helped you?

Set up SIPP. Transferred a pension. Set up employment insurance.

Have you seen the outcome you were hoping for?

Yes. I now have a pension and insurance.

What could they have done better?

Reveal costs at initial meeting

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

I had spoken to financial advisers in the past and they only seemed to be interested in getting the best deal here and now. There was never any detailed discussions about how those investments would provide for me in the future.

How has Adam Rideout helped you?

Adam's approach has been to look at what my needs will be when I retire; the income I will need to cover not just the basics but also provide a quality of life. He has then extrapolated that back to create an investment strategy that is tax efficient, diverse and is tailored to the needs of me and my family as a whole. What's more he has been able to "stress test" the investments to see what will happen to my retirement income if there is any market upheaval in the future. Adam has also helped me look at my more immediate financial needs and how I can help my daughters as they complete their education and begin working life.

Have you seen the outcome you were hoping for?

Yes. The changes that I have made are growing in line with predictions and I feel confident that I will have the funds I need to enjoy my retirement.

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

I needed help to plan for retirement

How has Adam Rideout helped you?

He has helped shape my finances from a mess into something logical

Have you seen the outcome you were hoping for?

Yes, I now know what to expect in the future based upon an achievable, realistic plan

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

I have acquired various pension plans over the years and needed advice as to how best to manage them.

How has Adam Rideout helped you?

Provided sound information and advice which allowed me to make decisons on the future

Have you seen the outcome you were hoping for?

yes - all seems a lot clearer now and more understandable

What could they have done better?

Nothing springs to mind

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

Following getting married and having children, I decided I needed a plan which would provide both short and long term financial security for my family. Although I consider myself fairly competent in managing finances, I felt I still needed an experts help in order to build an appropriate financial portfolio.

How has Adam Rideout helped you?

Adam took the time to get to know and understand us, the things we like to do now and what we would like both my wife and I, and our children's future to be like. He helped us to build the right portfolio, providing insightful advice where needed. He keeps up to date on our circumstances, makes good recommendations that keep us on track with our plan, and responding as our needs change. We feel we get a very personalised service.

Have you seen the outcome you were hoping for?

Yes. In our recent review I was pleased to see we are achieving our goals and in fact now have opportunities to deliver some sooner than expected.

What could they have done better?

I don't believe there to be any improvements needed. We are very happy with the service that Adam provides.

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

Desire to have good retirement planning in place

How has Adam Rideout helped you?

Organised my pensions and created a sensible financial retirement plan

Have you seen the outcome you were hoping for?

I now have an effective plan in place

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

Pension

How has Adam Rideout helped you?

Managed the full pension plan plus ISA and any necessary insurance advice. Always made himself available to contact

Have you seen the outcome you were hoping for?

Yes but interested in future managed products that can react more quickly to market movements

What could they have done better?

Look for the lowest and sensible option for life Insurance

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

I had a deferred workplace pension that was performing poorly and I wish to do something positive with it.

How has Adam Rideout helped you?

Adam transferred the pot of money into a more competitive product. In addition he did an assessment of my risk appetite, built a picture of my likely future requirements and gave further financial advice based on these.

Have you seen the outcome you were hoping for?

Yes.

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

Adam was recommended to me by a member of the family as I was looking to consolidate all my pension plans.

How has Adam Rideout helped you?

Adam has advised me on how to maximise the opportunities in my pension planning and has been very helpful throughout.

Have you seen the outcome you were hoping for?

Yes, Adam has been very helpful throughout the process.

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

Looking to consolidate my previous company pensions into a private pension and to start supplementing my company pension contributions.

How has Adam Rideout helped you?

Adam helped to coordinated the consolidation of pensions, and has advised on investment strategy for the personal pension.

Have you seen the outcome you were hoping for?

Yes, very pleased with the outcome.

What could they have done better?

Nothing. Adam has been very professional, has provided excellent advice and I would have no hesitation in recommending his services.