Michael Hamill

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

I needed to consolidate my pension, reduce costs and achieve a better return

How has Michael Hamill helped you?

My pensions have been consolidated, my costs significantly reduced and I’ve seen a significant improvement year on year on my investments. I’ve also invested my ISAs with Michael and have seen the same improvements.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

Mortgage and pension advice

How has Michael Hamill helped you?

Given me piece of mind for my future in retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think everything is being done as well as can be.

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

We returned to UK after a long period overseas. We wanted advice about our current financial situation and our prospects for retirement.

How has Michael Hamill helped you?

Michael efficiently assessed our finances, and made helpful suggestions about consolidating and reinvesting. He has a pleasant manner and spoke with clarity and good humour.

Have you seen the outcome you were hoping for?

We are at the beginning of this process, but are happy with what has been achieved so far.

What could they have done better?

We are happy with the service we received.

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

I had a number of investments and wanted to consolidate them.

How has Michael Hamill helped you?

He recommended the initial fund for the investment and has reviewed it on an annual basis, providing clear advice each time.

Have you seen the outcome you were hoping for?

Yes - the investment has increased in value.

What could they have done better?

Nothing - I can review the investment value via the portal anytime and have a review each year. I can contact the company if I have any queries.

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

Michael is a fantastic adviser. Professional and friendly.

How has Michael Hamill helped you?

With great advice and making sure we thoroughly understood all aspects of the investments

Have you seen the outcome you were hoping for?

We knew it was a long term plan and it has grown as Michael said it would.

What could they have done better?

Nothing! You will not get a better service, period!

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

Coming up to retirement and having a number of pensions from various employments and personal pensions, I wanted advice regarding the beneficial versus detrimental options of consolidation and how best to maximise potential benefits.

How has Michael Hamill helped you?

Michael has given me advice on my pensions and investments in simple terms that I could understand which I found very helpful.

Have you seen the outcome you were hoping for?

Yes, and hopefully to a greater extent forward.

What could they have done better?

Nothing

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

Guidance on investments and future planning

How has Michael Hamill helped you?

Michael is so friendly and approachable and I know I can trust him to guide us now and in the future. Real peace of mind

Have you seen the outcome you were hoping for?

Yeah, there are always ups and downs in the market but long term it is worth the risk.

What could they have done better?

Nothing better. Michael is the best!

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

I needed advice on reinvesting savings.

How has Michael Hamill helped you?

By using his expertise and knowledge in advising me how to reinvest my savings and navigate inheritance tax.

Have you seen the outcome you were hoping for?

Yes

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

We had investments to make after selling a business and I take recommendations very seriously. I stay clear of Banks and look for the person who has a proven record in financial planning

How has Michael Hamill helped you?

The advice Michael has given my wife and I over the last number of years has taken away the concerns created by Covid and the subsequent downturn in returns on our investment. This has proved correct as now the returns are making up for lost time

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I’m not a financial planner so I leave that to the expert

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

Family bereavement and investments for my childrens future

How has Michael Hamill helped you?

Michael firstly helped me understand what my risk appetite was and how this would help shape the planning around what i was looking for the long term outcome. This has enabled me to relax and to look at the longer term return rather than short term.

Have you seen the outcome you were hoping for?

Absolutely, the outcomes have been achieved and and surpassed. I have every confidence that they will continue to outperform expectations.

What could they have done better?

Nothing

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

We need to make best use of our capital, and needed pension planning advice.

How has Michael Hamill helped you?

Michael has been assiduous in his advice, professionalism,& very much considering our needs as a client.

Have you seen the outcome you were hoping for?

Yes to date, excellent service & assistance.

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

To plan for financial future

How has Michael Hamill helped you?

Michael reviewed all our finances and worked with us to plan for our future financial security

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing- we're very happy with Michael

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

I required advive and guidance when looking to make an investment of a cashed in private pension.

How has Michael Hamill helped you?

Michael has helped with planning for the future and making recommendations in relation to investment options and strategies.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing the service has been excellent.

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

Our previous advisor retired and we needed to seek a new advisor

How has Michael Hamill helped you?

As we are approaching retirement we wanted advice on how our pensions and investments were performing

Have you seen the outcome you were hoping for?

Our pensions and investments have only recently combined under the one platform so hope to se a good performance by the next review with Michael

What could they have done better?

N/A

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

I needed advice as to how to invest and protect my capital savings.

How has Michael Hamill helped you?

From first meeting Michael, he has put me at ease, and explained everything in terms that I could understand.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of.

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

Young family, planning for the future

How has Michael Hamill helped you?

Guided me through pensions and investments

Have you seen the outcome you were hoping for?

I have been impressed by the quality of the advice and guidance provided.

What could they have done better?

Very happy with the service that I have received.

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

Financial planning for pre and post retirement

How has Michael Hamill helped you?

Michael has been excellent in supporting us with our financial planning to ensure that we maintain our standard of living post employment and into retirement. Michael is well informed and has been very pro-active in ensuring we are best placed in the market.

Have you seen the outcome you were hoping for?

Whilst the markets have been volatile of late, we are still confident that our long term financial planning will be effective in meeting our objectives.

What could they have done better?

Given the challenging market conditions, I don't believe there is anything further Michale could have done to protect our investment portfolio.

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

Financial planning

How has Michael Hamill helped you?

Established clear future financial planning

Have you seen the outcome you were hoping for?

ongoing

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

Pension advice

How has Michael Hamill helped you?

Given clear advice, analyzed current pensions, combined private pensions in new portfolio

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?

Pension advice

How has Michael Hamill helped you?

Very professionally advised us

Have you seen the outcome you were hoping for?

Yes

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

Needed clear uncompleted advice to protect my pension income

How has Michael Hamill helped you?

Set out a course of action providing both the pluses and minus

Have you seen the outcome you were hoping for?

Yes until the change in the world economy

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

A large sum and a need for investment and income.

How has Michael Hamill helped you?

Continuous and passionate support. Masterful 'predictions' and turns. Brilliant management.

Have you seen the outcome you were hoping for?

I have, especially if you consider profit in dire times.

What could they have done better?

Not much, really.

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

My initial contact with Michael was to maximise my potential to retire early comfortably.

How has Michael Hamill helped you?

Michael has helped me by providing relevant and knowledgeable advice on pension planning to enable me to attain my goal.

Have you seen the outcome you were hoping for?

Yes I have accrued a pension that I am happy with.

What could they have done better?

Michael was very professional providing a good service.

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

My small personal pension had not been performing well in recent years

How has Michael Hamill helped you?

Michael was able to arrange an attractive alternative with a minimum of fuss

Have you seen the outcome you were hoping for?

Although still early days, within a week the new fund had performed well enough to cover the set up costs

What could they have done better?

My husband and I couldn’t have been treated better by the staff at Navigate. A very friendly bunch of people who are most helpful and hospitable

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

I hadn't really reviewed my finances before

How has Michael Hamill helped you?

Very clear, very open, trustworthy and easy to understand.

Have you seen the outcome you were hoping for?

So far - yes

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 was recommended by nationwide to find an adviser to sort out finances and my pension.

How has Michael Hamill helped you?

He was able to explain the whole process and answer my questions on all queries, he helped put my mind to ease with sorting out my pension.

Have you seen the outcome you were hoping for?

It's early days at the moment but so far it's looking good and I hope to see the outcome I'm looking for.

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

Early retirement and pension lump sums to invest. Michael was recommended to me by a colleague in work.

How has Michael Hamill helped you?

Michael has provided sound and trusted financial advice over an extended period of time.

Have you seen the outcome you were hoping for?

Overall yes.

What could they have done better?

Nothing I can think of. There have been regular reviews and an informative newsletter.

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

We had some money which we wanted to invest wisely.

How has Michael Hamill helped you?

Michael provides sensible and straightforward advice, enabling us to make informed decisions

Have you seen the outcome you were hoping for?

So far, so good!

What could they have done better?

Happy with advice given

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

I had an old style money purchase pension & needed advice about this as I approached retirement

How has Michael Hamill helped you?

Michael gave me the advice I needed & went over the various options with me after which I transferred to a more suitable & flexible personal pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I was very happy with all that Michael did.

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

We required a holistic approach to our investments.

How has Michael Hamill helped you?

Michael was able to provide reassurance regarding our investments with explanations presented in an easy to understand format.

Have you seen the outcome you were hoping for?

Our journey with Navigate is in the early stages, however we feel confident and reassured that they will deliver our set goals.

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

To maximise Pension and Investments portfolio

How has Michael Hamill helped you?

Michael has provided expert advice and guidance with detailed supporting information where required.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing identified to date

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

I was retiring and wanted advice on how/where to invest my pension pot going forward and best method of taking an income from my pension pot. Michael was recommended by a family member,

How has Michael Hamill helped you?

MIchael assessed my personal financial needs/wants, we discussed my risk profile, and he recommended the best way to invest my pension pot, while also minimising investment charges. He also provided a detailed multiyear view of my projected income and pension pot. With Miuchael's help I have also taken the opportunity to consolidate several smaller investments into the one overall pot. We then have a 6 monthly review with MIchael to discuss performance and any changes in needs.

Have you seen the outcome you were hoping for?

My investments have outperformed the general market

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

Approaching retirement

How has Michael Hamill helped you?

Michael has created & implemented a structured financial plan to suit my short & long term goals for retirement

Have you seen the outcome you were hoping for?

The market has been extremely volatile in the last 2 years but Michael is always available to answer any questions I have & it’s very much a long term goal

What could they have done better?

Nothing! I am extremely satisfied with all Michael’s Financial Advice & have absolute trust in him handling my financial affairs.

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

I’m self employed and was looking advise on setting up a retirement pension

How has Michael Hamill helped you?

Micheal has advised me on a number of financial matters over the years. He has a way of explaining and advising the financial world in words I can understand

Have you seen the outcome you were hoping for?

The advice I’ve received over the years from Michael and the business relationship we’ve developed has exceeded my expectations

What could they have done better?

I’m very happy

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

Having recently retired and been in receipt of some money from legacies and maturing insurance policies, I sought Michael's advice about the best course of action for safe-guarding and growing these assets.

How has Michael Hamill helped you?

Michael drew up a plan of investment outlining various risk strategies and the estimated return on investment for these courses of action. In addition we have discussed inheritance planning and avoidance of unnecessary tax burdens.

Have you seen the outcome you were hoping for?

Yes, I am very satisfied with the results that Michael has been able to achieve.

What could they have done better?

It is quite difficult to be sure. In a time of economic uncertainty the value of my portfolio has not been reduced.

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

My annual personal pension statement showed a fall rather than gain after another year’s contributions paid

How has Michael Hamill helped you?

He recommended an alternative pension provider with improved fund performance and a reduced yearly management fee.

Have you seen the outcome you were hoping for?

Yes, I have seen an improved fund value .

What could they have done better?

I couldn’t say anything to improve upon . Communication is paramount in my view and thus aspect is totally fine

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

Multiple pensions which I wanted to consolidate

How has Michael Hamill helped you?

Consolidated pensions with good financial planning for the future

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

I had a retirement fund that I needed invested. I had a friend who had used Michael previously.

How has Michael Hamill helped you?

Shown me how my money could be invested . I had previously thought about taking my pension as quickly as possible and putting it in a bank. Investing wisely would ensure my family could benefit from my pension after I had passed away.

Have you seen the outcome you were hoping for?

Not yet. It has been a turbulent few years for investments. Hopefully we are entering a period of stability with sustained growth.

What could they have done better?

Hard to predict markets. Don’t see what else could have been done to protect my assets from falling.

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

To have transparency, flexibility and an element of control of how my portfolio was invested and access to review how it was performing on a weekly/monthly basis.

How has Michael Hamill helped you?

He has helped with guidance and sound advice, and reacting to any concerns I may have had.

Have you seen the outcome you were hoping for?

Yes, my portfolio has been performing to my expectations, with the flexibility to change investments.

What could they have done better?

I really don’t know at this time as communication between Michael, his team and myself is always on time and concise.

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

Unsure of the best way to invest.

How has Michael Hamill helped you?

He has given us honest answers to our questions. He is very professional but very approachable and we have every confidence in him.

Have you seen the outcome you were hoping for?

Yes. As we have been kept informed of how things operate we understand how it works and what we went into. It has been a very pleasant outcome.

What could they have done better?

Nothing. A true professional and gentleman in a field that maybe has got a reputation of wheeler dealers. We have total faith in Michael.

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

To get all my pensions put into one.

How has Michael Hamill helped you?

Michael has helped me tremendously and is brilliant with dealing with my pension,and always keeps InTouch.

Have you seen the outcome you were hoping for?

Yes I most certainly have.

What could they have done better?

Nothing it was done very professional.

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

Lack of knowledge myself of what to do with the sum I received from the life insurance following the passing of my husband and how to best prepare my own future through investments.

How has Michael Hamill helped you?

Guided myself in the right direction with regards to beginning an investment portfolio. Especially with regard to how high of a risk I should be taking with such investments.

Have you seen the outcome you were hoping for?

Yes, currently having only just been introduced to investments my hopes were to start on a path which would give me hope and encouragement I will be financially secure in the future as I reach age for retirement.

What could they have done better?

I have yet to come across any fault with Michael's services

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

Retirement

How has Michael Hamill helped you?

Good advice

Have you seen the outcome you were hoping for?

Not at present due to economic situation

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

I needed help with my pension.

How has Michael Hamill helped you?

His good advice and hard work has given me a secure pension.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Nothing.

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

Some excess money, following a move to a smaller property, needed to be invested.

How has Michael Hamill helped you?

He analysed my situation and provided a suitable portfolio with lots of explanation as I have little financial knowledge. Any queries have always been dealt with promptly and efficiently.

Have you seen the outcome you were hoping for?

I am satisfied to date and realize the markets are outside his control

What could they have done better?

Nothing, just maintain the high standards

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

I required information, guidance on my Pension investments (SIPP)

How has Michael Hamill helped you?

Micheal advised on matching my risk tolerance to identified investment portfolios and the platform that let me access my investment portfolio so I could see how my portfolio was performing when I wanted to. If I had query’s about the performance of any of the investments in my portfolio, Michael or his team are always at the other end of the phone should I have any query’s with the professional courtesy I expect.

Have you seen the outcome you were hoping for?

I have seen my investment portfolio returns above my expectations, with Michaels team acting on any investments that are not returning a positive yield that we expected, this flexible approach has ensured my portfolio is updated in response to market drivers. Communication from Michael’s team is first class and always in a timely manner.

What could they have done better?

Nothing, to date they have met my expectations.

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

I had inherited money from my late husband and I needed good advice

How has Michael Hamill helped you?

Michael took the time to listen to my worries and helped me plan for the future. He explained everything so well which allowed me to make informed choices about my financial future and that of my children.

Have you seen the outcome you were hoping for?

I have been more than pleased with the outcomes and Michael is always there for reassurance when the markets have dipped.

What could they have done better?

I don't think they could do any better. I receive regular updates on my investments and Michael is always there if I need to speak with him.

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

As a moderate/larger business owner and beginning to reach retirement age, and with a wife, family and grandchildren I felt that I needed to speak to someone who was an expert in financial advice and care and who was totally trustworthy. I had known Michael for a long number of years and knew he was someone who was utterly to be relied upon. It was I who made the first approach to Michael and asked for his advice and guidance across a range of issues and for the various members of my family. It has been a move I have not regretted

How has Michael Hamill helped you?

Apart from general financial advice within my own timing and circumstances of life, Michael has provided peace of mind across a number of fields. Whether it was ISAs or Junior ISAs, (not always straightforward) or pension planning and investment across the various members of my family Michael was clear and waffle-free. Fighting my case he saved me many thousands on a pension transfer from a company which had an unreasonable penalty clause in the event of a pension transfer.

Have you seen the outcome you were hoping for?

Given the torrid time in the world and financial markets I have been happy with the outcome of my investments. Michael monitors where our pensions are placed to gain maximum return at the risk level that suits us.

What could they have done better?

While not being an expert in this financial field, I know of no area of service, advice or attitude where Michael could have done things better

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

Previous adviser died and we felt we should try a new company

How has Michael Hamill helped you?

He has given what we consider to be good advice regarding the investment of our funds in a friendly and helpful manner.

Have you seen the outcome you were hoping for?

Not so far but we appreciate the difficult financial environment of recent times and have been reassured by Michael’s judgement for the longer term

What could they have done better?

Not a lot except perhaps for more frequent reviews

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

Had dealings with Michael and was very impressed. Very good at his job and professional service.

How has Michael Hamill helped you?

Professional advice

Have you seen the outcome you were hoping for?

Very much so. Very happy.

What could they have done better?

I am very happy. Top man and great service.

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

Inheritance money

How has Michael Hamill helped you?

Understand the complexity of investing a large sum of money while also understanding my requirements for the future.

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?

my bank said i need to speak to one

How has Michael Hamill helped you?

from the day i met Michael he down to earth friendly person and look at my saving and put on a better return with less risk

Have you seen the outcome you were hoping for?

yes and no every thing was great till lately but that is the market

What could they have done better?

not a thing

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

Lack of knowledge in financial matters.

How has Michael Hamill helped you?

Help in understanding my financial situation. With trust in his opinion, and knowledge of current financial matters.

Have you seen the outcome you were hoping for?

Financial matters are so volatile ar present, I rely on him for the best outcome

What could they have done better?

I am happy with the situation,and trust his opinion.

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

Bringing several pension funds together

How has Michael Hamill helped you?

Professional, friendly advice with excellent financial outcomes

Have you seen the outcome you were hoping for?

I trust Michael to keep my funds safe and productive

What could they have done better?

Nothing

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

Buying a home

How has Michael Hamill helped you?

Michael helped us secure a mortgage suited to our needs very quickly, he kept us informed each step of the way and was able to alert us to gaps in our protection and remedy this.

Have you seen the outcome you were hoping for?

Yes - with the knowledge Michael provided us with, we were able to choose insurance cover to provide us with peace of mind for the future.

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

Professional and trustworthy financial advisor

How has Michael Hamill helped you?

Greatly. Security, growth and stability with our investment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. An exemplary service from Michael.

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

Financial planning.

How has Michael Hamill helped you?

Explained the options available

Have you seen the outcome you were hoping for?

Yes

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

My previous financial advisor retired and I was transferred to Michael

How has Michael Hamill helped you?

Michael has advised me regarding investment of my money

Have you seen the outcome you were hoping for?

Yes I am very well pleased with the service I receive.

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

I needed some guidance on stocks and shares and also to find a mortgage.

How has Michael Hamill helped you?

MIchael has been absolutely fantastic over the last few years. He knows me, knows my values and what it is I want financially. He has steered me through many financial changes and has always given the advice that was right for me. He always puts my needs first, which is hard to find in the financial world.

Have you seen the outcome you were hoping for?

I could not be more content with where I am. The products I have are perfect my current situation and as things change, Michael adapts to suit.

What could they have done better?

I can not think of anything they could have done better.

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

Pension advice

How has Michael Hamill helped you?

Managed pension fund very efficiently

Have you seen the outcome you were hoping for?

Yes

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

I had been advised that a financial adviser might be useful in terms of preparing for my retirement and in providing for my grandcildren.

How has Michael Hamill helped you?

He has helped me by pointing me in the direction of a Bond coupled with making money available for my children and grandchildren

Have you seen the outcome you were hoping for?

It is an ongoing process in terms of reaching a certain goal and hopefully we will get there.

What could they have done better?

They have done their best in the circumstances and I was impressed by their attention to detail

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

We both retired and had savings and a second property and needed advice on the best way to invest and plan for our future and how to financially assist our family.

How has Michael Hamill helped you?

He has provided excellent advice and set up an investment portfolio to meet our individual levels of risk. Additionally the best way to provide assistance to our family.

Have you seen the outcome you were hoping for?

Yes. We always left our meetings feeling confident he was totally committed to getting us the best outcome but being fully aware that unforeseen things can happen. Overall very positive outcome which leaves us confident and reduces stress regarding the future.

What could they have done better?

I really feel things have been done very well. We have regular meetings with Michael as we prefer to meet to ask questions and have him explain developments in person. He is always available to meet at any time which is excellent and makes us feel he has our interests as a priority.

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

Our previous financial adviser ripped us off!

How has Michael Hamill helped you?

By being honest and speaking to us in terms we understand. We've never felt bamboozled or overwhelmed. Given that our previous advised ripped us off it's essential that we feel trust with our adviser – we definitely have that with Michael.

Have you seen the outcome you were hoping for?

Yes. We feel our investments are secure with Michael.

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

My wife and I both had lump sums to invest upon our retirement. Later on we were lucky enough to inherit some money.

How has Michael Hamill helped you?

Michael has offered us beneficial advice and our investments have given us a good return even through challenging times.

Have you seen the outcome you were hoping for?

Yes. We are moderate risk takers and our investments have most certainly performed better than if they were with a bank or BS.

What could they have done better?

Nothing really. We have found him to be trustworthy and approachable during our time with Navigate. I have no hesitation in recommending him as a financial adviser.

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

I separated from my husband, who would have taken care of all the finances and I found myself very overwhelmed re how to handle it all and what was best for me.

How has Michael Hamill helped you?

Michael has consistently been lovely to work with. He is warm and personable and explains things in such a way which made me feel reassured and like I was in safe hands. I trusted him and his advice.

Have you seen the outcome you were hoping for?

Yes, Michael has kept me fully informed in all my investments and consults me re any changes of anything I should know about. Everything Michael has done on my behalf has seemed like the right move for me and produced good outcomes. My main desired outcome was peace of mind that my investments were in safe hands and being taken care of and Michael has given me that peace of mind.

What could they have done better?

Nothing at all. I worried a bit when things started to go more on-line as this isn't my strength and I don't like it when the human relationship takes a step back from services, but when I feel I need some detail regarding my finances, i just email in directly and always get a prompt and personal response which is all I could ask for.

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

I had a lump sum to invest

How has Michael Hamill helped you?

Michael advised me on the level of risk I should take based on my finances and my personality.

Have you seen the outcome you were hoping for?

No, but I accept that factors beyond our control (pandemic, war) have a major impact

What could they have done better?

n/a

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

Some spare capital and was looking ahead to retirement, so that I could make best use of funds

How has Michael Hamill helped you?

Supremely friendly and helpful. Quickly grasped what I wanted and gave me a number of options, based on how much risk I was prepared to take in investment. Mutually agreed my portfolio and has been diligent in keeping me updated.

Have you seen the outcome you were hoping for?

Significanly better return that had I put my capital in more routine savings vehicles

What could they have done better?

Nothing really - I'm a very satisfied client

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

Finishing my working life after working for 3. Ompanies a d left with separate pensions that needed consolated-

How has Michael Hamill helped you?

He brought these together and put them in investments-

Have you seen the outcome you were hoping for?

Last year has been difficult and we have lost money-

What could they have done better?

Not lost moneyok

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

To make sure I was investing my savings in a safe and balanced way.

How has Michael Hamill helped you?

He has talked me through the different options and outcomes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Michael was very good at setting out the options and I cannot think of anything that was not covered or missing.

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

Transferred from Nationwide

How has Michael Hamill helped you?

With great advice and assurance

Have you seen the outcome you were hoping for?

Yes everyone month

What could they have done better?

I am happy with Michael and all the advice he has given my wife and i

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

Needed financial planning advice

How has Michael Hamill helped you?

Michael provided the advice and mechanism’s to cater for my financial planning needs

Have you seen the outcome you were hoping for?

Yes