Paul McCoubrey

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

I have been a keen property investor from a young age and have been lucky enough to have had Paul advise me from day one

How has Paul McCoubrey helped you?

I’ve been working with Navigate for over 10 years, starting with my first mortgage to building a property portfolio . Since then, they’ve supported me with everything from mortgages and insurance to ISAs and pensions. As a busy business owner, I simply don’t have the time to manage my finances myself. Paul and the team at Navigate have structured everything so I can focus on running my business while they handle my financial planning. Their ongoing support is invaluable, I check in with them at least once or twice a year, and they’re always on hand whenever I need anything even out of office hours they are just a call away. I Highly recommend their professional, reliable, and proactive service

Have you seen the outcome you were hoping for?

Yes, however my plan is long term

What could they have done better?

I can not fault them from service to office meetings everything has been top notch

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

I was looking to retire and required advice about the best way to achieve my objectives

How has Paul McCoubrey helped you?

He has looked at all areas of my financial planning and ensured that they match with my objectives

Have you seen the outcome you were hoping for?

Yes - very happy with the outcome

What could they have done better?

Nothing

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

I wanted to find someone interested in the long term to help manage for my retirement. I didn't want someone looking to make some instant commission

How has Paul McCoubrey helped you?

Helped bring a multitude of pensions together that are now performing better. Set in place a good regular saving and investment programme and overall has given us the peace of mind that we are moving in the right direction to financial security when we retire.

Have you seen the outcome you were hoping for?

Yes - good returns and total transparency.

What could they have done better?

Nothing - I think the balance is spot on.

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

After 40 years in NHS needed advice regarding early retirement prior to old age pension qualification

How has Paul McCoubrey helped you?

Paul was and is a a breath of fresh air with jargon free, straight answers to any questions I may have to my future financial security.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can’t think of anything

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

Poor advice from another financial institution

How has Paul McCoubrey helped you?

Strategy explained in straightforward manner with comprehensive market analysis.

Have you seen the outcome you were hoping for?

Yes just over a year since initial investment and it has exceeded expectations

What could they have done better?

In my opinion nothing

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

I availed of a member offer throught the FSB

How has Paul McCoubrey helped you?

Paul has been absolutely wonderful. I came to him 7 years ago when I was 37 I didn't have any savings or protection. Paul gave me straight forward advice, he made sure I had some income protection and critical illness insurances. I'm self employed and have since had to use the income protection cover, I was very grateful it was there. Paul also helped me set up an investment/saving strategy for retirement. Paul never pressured me to take any policies he laid out all the options and let me decide and also helped me focus on what areas matter to me.

Have you seen the outcome you were hoping for?

Yes, I feel much more comfortable knowing that I've a financial goal I'm working towards.

What could they have done better?

Nothing, great service.

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

Looking for retirement income ideas

How has Paul McCoubrey helped you?

Paul is helping me achieve my goals

Have you seen the outcome you were hoping for?

Yes well on our way

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

Approaching retirement, accumulating cash assets.

How has Paul McCoubrey helped you?

Paul has provided a blend of excellent technical advice and service provision with a enlightening philosophy on how to manage and utilise your money and assets.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

More tray bakes.

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

Putting all my finances into one pot and for someone to look after and advise me on it.

How has Paul McCoubrey helped you?

As per above plus over and above helping with inheritance as well and generally anyway he can help

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really

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

We needed advice on current assets and future planning

How has Paul McCoubrey helped you?

He was wonderful. He listened attentively and drew up a financial plan which was thorough, detailed and easy to follow

Have you seen the outcome you were hoping for?

Yes. The process has made me view my finances is a more realistic way and I am able to be more active with my management

What could they have done better?

To be honest I’ve nothing to add here. Communication has been excellent and support and availability consistent.

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

Paul was recommended to me by another figure in the finance world I trust and it was an excellent recommendation.

How has Paul McCoubrey helped you?

Paul has helped me in a variety of ways, on the quantum of my investments, pensions, financial planning and saved me money on tax.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't really think of anything; Paul has been excellent.

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

I was looking for a reliable financial advisor that would give me honest advice about my pension investments.

How has Paul McCoubrey helped you?

Paul is very approachable, easy to talk to and understands what I need. Our meetings were stress-free and really useful for planning my pension strategy particularly in terms of knowing how much I need to invest to have the lifestyle that I want when I come to retire.

Have you seen the outcome you were hoping for?

Very much so, the administration of transferring everything over was very straight-forward and so far the investments are doing well but this is for the long haul so when the market fluctuates, I know not to panic.

What could they have done better?

Nothing, very happy with the service from the whole team.

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

wanted advice about retirement planning

How has Paul McCoubrey helped you?

excellent service friendly approachable always responds promptly

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 & lump sum to invest.

How has Paul McCoubrey helped you?

Provided sound guidance & an effective plan for my family.

Have you seen the outcome you were hoping for?

So far, yes we have. Very happy with the financial position & personal support.

What could they have done better?

Nothing I can think of.

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

We first started seeking Paul's advice over 20 years ago when we had a large mortgage, a young family and busy careers- his financial advice has always been considered and sound - and he has taken the time to understand us and our needs and aspirations at each stage through the challenging years of raising a family through to retirement. He has become the person we turn to first for financial advice and we trust his judgement

How has Paul McCoubrey helped you?

Mortgages, savings, pension transfers, retirement planning, thinking about inheritance- everything we have needed at each stage.

Have you seen the outcome you were hoping for?

Yes- we are now enjoying the benefits of having taken his advice over many years.

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

Old adviser retired.

How has Paul McCoubrey helped you?

Paul had brought all my finances into line and provided me with a detailed plan for my future and retirement plans

Have you seen the outcome you were hoping for?

Yes very happy with Navigate and they way they conduct themselves

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

Not happy with our last financial advisors

How has Paul McCoubrey helped you?

Paul will always reply to any query we may have in a short space of time and will explain what the objectives we are trying to achieve are. He is good at easing my mind and explaining what is going on

Have you seen the outcome you were hoping for?

To early to answer this

What could they have done better?

They have been excellent in their dealings with us

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

On retirement I needed pension advice

How has Paul McCoubrey helped you?

Paul has given clarity and direction in what was to me, a complex process Paul took time and answered questions in a way that was for me understandable with no use of financial jargon

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing

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

Long term financial planning

How has Paul McCoubrey helped you?

Paul has offered advice, support and financial products to help reach our future goals

Have you seen the outcome you were hoping for?

Yes

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

A need for long term financial planning, including retirement planning.

How has Paul McCoubrey helped you?

Sound, comprehensive and very detailed advice. Very beneficial financial modelling exercise. Wise counsel.

Have you seen the outcome you were hoping for?

Yes 100%

What could they have done better?

Nothing - really excellent service.

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

Run a medium business and needed help with planning for the future

How has Paul McCoubrey helped you?

Helped me set up pension plan and investments

Have you seen the outcome you were hoping for?

It’s still early days but already see my pot grow

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

Advice ref investing and retirement

How has Paul McCoubrey helped you?

Given widespread easy to understand advice ref investments,life assurance and post retirement financial planning

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?

We were wanting to have a clear financial goal for the future.

How has Paul McCoubrey helped you?

Paul has given us a clear vision on what we need to do to achieve our goals.

Have you seen the outcome you were hoping for?

Yes ongoing planning is making out plans reality

What could they have done better?

N/A

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

I wanted someone that I could trust and someone nearby that could help me plan my financial future and give me piece of mind that things where planned out.

How has Paul McCoubrey helped you?

He has helped me look at my overall financial situation including my pension and having everything in one place that I can discuss with him how best to plan for the future

Have you seen the outcome you were hoping for?

It’s just in the early stages but I’m very happy with how everything is going to date. Paul is always on the end of the phone to ask for advise

What could they have done better?

Been really happy with everything

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

Originally I sought help because I suddenly found myself the sole wage earner and needed advice on income protection. It was understandable then that I went to Paul when circumstances changed and we had money for saving, investment and pension planning.

How has Paul McCoubrey helped you?

After my first enquiry Paul sorted income protection for me at very low cost and was incredibly helpful and reassuring at a difficult time. When our circumstances changed and we had money to invest Paul was our first port of call and has been excellent. He helped us navigate the change to having a new approach to our budgets, pension planning and secure investment. What I have found most helpful on a personal level though is the regular reminder that finance is about what you want to do with it while you've alive and able to - it's a means rather than an end.

Have you seen the outcome you were hoping for?

So far, yes. Purely on the maths, the investments have been secure with growth better than we'd have managed on our own. But the main benefit for us is peace of mind, that we trust that Paul understands what we want and we don't have to worry about it. We have the savings we need to draw on for occasional projects and the security that we're managing money now for when we don't want to work any more.

What could they have done better?

Nothing. Paul has always been so communicative and responsive. We enjoy our meetings every six months and it's always a baseline where we can reset, re-evaluate and check in with our plans.

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

We received a lump sum when my husband retired.

How has Paul McCoubrey helped you?

We initially contacted Paul to seek advice on investing a lump sum. During the process Paul encouraged us to consider what was important to us. We completed a comprehensive spending questionnaire covering everything from day to day spending, holidays, inheritance and contributing towards weddings etc. These were topics we knew needed addressed but had just never gotten round to it. Paul guided us through the process with ease. He is very knowledgeable and the software used enabled us to see what our projected financial needs were in the next 10 to 20 years. Things became so much clearer and it was all discussed in a very relaxed environment.

Have you seen the outcome you were hoping for?

Not yet but we knew we were investing in a long term project. We also know we can check in with April at any time to see how the investments are going.

What could they have done better?

Nothing. Very efficient in every aspect.

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

Re-mortgaging my home.

How has Paul McCoubrey helped you?

Paul looked after everything from start to finish and gave me complete peace of mind over what is a stressful process.

Have you seen the outcome you were hoping for?

Absolutely, the outcome was exactly what I wanted.

What could they have done better?

Nothing, the service was 1st class.

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

I was introduced to Paul several years ago by my daughter who is Paul’s client as well, and only had great things to say. At that stage I was starting to think about my retirement and was keen to know or map out when I might be able to retire or reduce my working hours.

How has Paul McCoubrey helped you?

Paul helped me think about my plan for retirement and how much I would need to have to manage my outgoings whilst stopping working and live comfortably. Since starting the process several years ago, I have now retired and feel confident in the way forward Paul has put together for me. I enjoy life without having to worry about finances as there is a plan in place I am comfortable meets my needs at this stage of my life.

Have you seen the outcome you were hoping for?

I enjoy life without having to worry about finances as there is a plan in place I am comfortable meets my needs at this stage of my life.

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

I needed to help with finding the best life insurance coverage.

How has Paul McCoubrey helped you?

Paul provided us with several options and explained each one in detail, which made it so much easier to choose the best policy for what we needed.

Have you seen the outcome you were hoping for?

Yes, we’re happy with the outcome.

What could they have done better?

Paul took care of everything and stays in touch regularly, which is something we have really come to value and appreciate.

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

The concern about my finances when I retire

How has Paul McCoubrey helped you?

Paul has communicated openly, and effectively in a manner of understanding

Have you seen the outcome you were hoping for?

Yes, on the annual review I can see my plan taking shape

What could they have done better?

nothing

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

I first met Paul when my husband and I were remortgaging.

How has Paul McCoubrey helped you?

Paul has helped with planning my finances to ensure that my lifestyle is protected to retirement age and beyond.

Have you seen the outcome you were hoping for?

Yes. I feel confident that my investments and savings will sustain me financially.

What could they have done better?

Paul is always approachable and available to answer any questions.

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

Fear when i reached a certain age

How has Paul McCoubrey helped you?

Very professional and patient

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I cant think if anything

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

We were moving house and looking for a mortgage

How has Paul McCoubrey helped you?

Paul has been invaluable to us firstly getting us a great deal on a mortgage then helping us with financial planning for our pension and longer term goals

Have you seen the outcome you were hoping for?

Yes it’s been great having Paul with us as he’s always available to answer any questions we might have

What could they have done better?

I’m very happy with the service we’ve received

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

My initial connection with Paul was for mortgage advice

How has Paul McCoubrey helped you?

Paul has always provided exactly what I have asked of him in a timely professional and approachable manner

Have you seen the outcome you were hoping for?

Yes I have been more than happy with all aspects of the services Paul has provided

What could they have done better?

Nothing

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

I have a property portfolio and needed advice generally

How has Paul McCoubrey helped you?

He helped me an my wife set up our Pension and gave us Inheritance tax advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure as everything seems to be working good

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

To get a better understanding of our pensions and guidance on financial planning.

How has Paul McCoubrey helped you?

Paul has helped us to not only plan for the future but really understand the benefit of good financial planning. Paul's advice has given us a degree of comfort that we never had before.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

N/A

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

I firstly needed advice on getting a mortgage. I then sought further advice on insurances.

How has Paul McCoubrey helped you?

I have got mortgages and insurances through Paul over the past 10 years and could not recommend him enough. Paul gave really clear advice, he took control of everything and really gave me peace of mind.

Have you seen the outcome you were hoping for?

Yes I have a mortgage and insurances to suit my needs.

What could they have done better?

Nothing, everything was extremely well handled.

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

Having moved jobs on several occasions we has multiple small pensions and needed advice on what we had.

How has Paul McCoubrey helped you?

Paul talked us through our life goals and plans and what we wanted to achieve in next 5/15/25 years then gave us advice on how to achieve that.

Have you seen the outcome you were hoping for?

Absolutely we now have a clear plan for the future and clearly understand what we currently have and what action we need to take going foward.

What could they have done better?

Nothing from we entered the door and were greeted by Margaret to meeting Paul both face to face and over zoom - everyone took the time to ensure we fully understand what was happening and gave us clear instructions if what we needed to do to ensure we got the best advice possible.

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

i had decided to move my pension and needed advice regarding my future investments

How has Paul McCoubrey helped you?

Paul has been able to advise me regarding my investments , he has explained what to do and how to do it in tes i can understand

Have you seen the outcome you were hoping for?

yes , so far so giod

What could they have done better?

Paul's service has been top notch , i am very happy with his advice

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

To increase my retirement find

How has Paul McCoubrey helped you?

Paul laid out my financial future in a way that was easy to understand and easier to help me set clear financial goals for the next decade

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing

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

Initially for mortgage advice.

How has Paul McCoubrey helped you?

Paul has always secured me the most competitive mortgage rate when my fixed term deals are due for renewal. He has also advised me on the best and most prudent insurance policies for both life and critical illness. More recently Paul has provided invaluable advice on maximising my pension savings giving me peace of mind for the future.

Have you seen the outcome you were hoping for?

Absolutely, I feel very confident that the financial security of my family and I are in very safe hands.

What could they have done better?

N/A

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

I had various investments across a number of platforms which needed to be synchronised and managed effectively, Paul provided this in abundance.

How has Paul McCoubrey helped you?

He has taken full Control of all my financial endeavours and manages each with integrity and drive.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

To date I am happy with all aspects that he covers.

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

I wanted to purchase my first home with a mortgage application and health coverage

How has Paul McCoubrey helped you?

Paul helped me obtain a mortgage. With his extensive knowledge within this field it was an excellent experience. He also carefully advised me on the various health insurance policies that were available.

Have you seen the outcome you were hoping for?

Yes. I felt the mortgage application process with Paul was excellent. While being successful I definitely have more clarity and understanding of my where I am financially.

What could they have done better?

I not sure anything throughout the process could be improved, communication at all stages was first class and this is what can be frustrating with any type of application but not in this case.

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

I was looking to plan for the future, to review my current pensions and insurances.

How has Paul McCoubrey helped you?

Paul - Held various meetings to understand my current policies, review these to see if they where fit for purpose, was there a more cost effective policy available compared to my existing. Reviewed my income / expenditure to suggest various ways I could plan for the future whilst looking at current stability with annual reviews and always at the end of the phone should I want to bounce something off him between these periods.

Have you seen the outcome you were hoping for?

Yes. I know what I need to try and put into my pension each year to achieve a suitable annual income when that time comes. I have suitable insurance policies that meet the needs of my family.

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

I reached out to Paul at Navigate when I was looking to make my first step on to the property market.

How has Paul McCoubrey helped you?

Paul was instrumental in helping me get on to the property market. He talked me through each step of the process and provided excellent advise on what I needed to do to make sure I was successful in my mortgage application. Paul also talked me through my various options on insurance and protection. This isn’t always the easiest thing to talk to people about but Paul put myself and my wife’s mind at rest and talked through the reasons and benefits for our family. Paul secured excellent cover and product value to ensure we were adequately protected should the unthinkable occur.

Have you seen the outcome you were hoping for?

My family I have been in our house for over 8 years and honestly couldn’t thank Paul enough for helping us every step of the way.

What could they have done better?

I honestly don’t think Paul could have done any better with regards to us as we got the result we were looking for with the minimum of fuss thanks to Navigate.

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

i wanted pensions advice & financial planning

How has Paul McCoubrey helped you?

been very helpful and pro active with my wife and i , both giving advice and following up

Have you seen the outcome you were hoping for?

yes

What could they have done better?

noting

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

Looking to plan for the future and for Financial independence.

How has Paul McCoubrey helped you?

Paul got us thinking clearly and showed us How much we could accumulate and live a good life with proper financial planning.

Have you seen the outcome you were hoping for?

Yes on our way and confident for the future with Paul’s help and guidance.

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

We were expecting our first child, which was a catalyst to look at our finances & being planning more formally for our future

How has Paul McCoubrey helped you?

Paul has provided excellent expert advice & education on all aspects of financial planning relevant to our circumstances. This advice has been specifically tailored to our needs and future financial goals. Throughout our time working with Paul, he and his team have always been on hand to answer our questions, provide insightful input & timely action when needed. Through the finical advice, education & resulting action plans, coordinated & completed by Paul we have gained a sense of financial confidence & peace of mind we could not otherwise have achieved

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?

Birth of first child

How has Paul McCoubrey helped you?

Retirement planning Investment advice Planning for my children’s future Pension advice

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 needed advice on managing my property portfolio along with my income. I needed to capture all costs, income and consider projections into retirement.

How has Paul McCoubrey helped you?

Paul has pulled all information into a presentable view. This has allowed me to identify possible issues, close gaps and make informed decisions on retirement options.

Have you seen the outcome you were hoping for?

Yes, I have a clear plan about key dates and actions i need to take.

What could they have done better?

Any hold up was on my part providing the information needed.

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

Looking to diversify my investments and plan for my retirement

How has Paul McCoubrey helped you?

He has demonstrated what my income would be in retirement using a variety of growth assumptions and interest rate assumptions.

Have you seen the outcome you were hoping for?

He has given me reassurance that I will be financially comfortable in retirement

What could they have done better?

Nothing

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

Pension

How has Paul McCoubrey helped you?

Advice

Have you seen the outcome you were hoping for?

Yes

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

House purchase and Life Insurance, Critical illness insurance.

How has Paul McCoubrey helped you?

He has given me sound advice reference my house mortgage, stay or change with current provider. The life insurance he has ensured that in the case of my death my family will be catered for all moneys to be invested and an income provided.

Have you seen the outcome you were hoping for?

Yes until the war between Russia and Ukraine the end of Covid Pandemic. Which was totally out of Pauls control. I still have every confidence in Paul and his team

What could they have done better?

Not a lot Paul contacted me before my review was due to advise what was happening also to advise what he was doing to minimize the loss and the future plan. Not an easy task when the world is in free fall.

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

reaching pensionable age

How has Paul McCoubrey helped you?

by giving me good advise regarding my future plans

Have you seen the outcome you were hoping for?

so far so good

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

We wanted some advice about planning for the future, particularly getting the kids through third level education and planning for retirement.

How has Paul McCoubrey helped you?

Friendly advice, with no jargon and no sales pressure. We've got a myriad of small pensions into one place and we are saving regularly. Reviewing our annual & monthly income and expenditure has brought a little bit of discipline!

Have you seen the outcome you were hoping for?

Yes - we have a clear path for the future

What could they have done better?

No

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

About 5 years ago I needed some advice on savings and planning forward with the intent to reduce my working hours.

How has Paul McCoubrey helped you?

Paul has helped myself and my family by going beyond what we came to him for advice for. If it wasn’t for his advice we wouldn’t be as fortunate as we have been, it would have severely impacted our savings and life choices.

Have you seen the outcome you were hoping for?

We will be forever grateful for Paul’s advice and the outcomes it has given us were beyond any expectations. We look forward to continue working with Paul.

What could they have done better?

Paul and his team work very hard to ensure quick, efficient and friendly service and are always there whenever we need advice. Their service is excellent.

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

With little money to spare at the end of each month we were keen to get on top of our finances and be able to save for our future.

How has Paul McCoubrey helped you?

Paul has helped us take control of our finances, save money and gain greater financial security.

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?

We wanted to plan for our retirement and felt out of our depth

How has Paul McCoubrey helped you?

Extremely thorough, professional and open. He has made sense of our finances, given a picture of our future financial health and helped us invest.

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?

Moving home and reviewing insurances

How has Paul McCoubrey helped you?

Paul’s expertise guided us through moving home with ease. He kept us informed every step of the way and his knowledge of the market ensured the best products for our needs.

Have you seen the outcome you were hoping for?

Yes

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

Financial Planning for retirement.

How has Paul McCoubrey helped you?

By guiding and helping me to understand the issues involved and more importantly what action was needed.

Have you seen the outcome you were hoping for?

Yes, to date everything is on track.

What could they have done better?

Nothing I can think of.

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

To seek professional advice on how best to invest a sum of money received as part of redundancy/ early retirement plan and would provide a reasonable return

How has Paul McCoubrey helped you?

Paul has been very helpful and introduced me to a portfolio that has proven successful in not only managing my investment needs, but projecting all my financial needs today and the years ahead. Paul is very good at explaining everything in a manner that I can understand and has always been available to answer any questions of concern.

Have you seen the outcome you were hoping for?

Yes and no with regards to the investment, however I was well informed of the risks. Not that I wasn’t already aware of them.

What could they have done better?

I couldn’t ask for a better person than Paul, I am happy and have no complaints

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

I wanted some financial advice on how to maximise my investments and pensions.

How has Paul McCoubrey helped you?

He has achieved a good return on my investment and given me confidence in the future.

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?

Retirement

How has Paul McCoubrey helped you?

Paul worked through options for my retirement and has helped me plan for the future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Happy with the service provided

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

Mortgage advice Insurance

How has Paul McCoubrey helped you?

Arranging a cost effective way to pay mortgage. Insurance advice.

Have you seen the outcome you were hoping for?

Yes - mortgage now paid in full. Appropriate insurance in place for my needs.

What could they have done better?

Cannot think of any aspect of advice that could have been better.

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

I had a small 25 year old AVC that I had no idea what to do with because I was planning to retire early from a 40 year service in the NHS

How has Paul McCoubrey helped you?

Straight forward advice I trusted Paul to tell me like it was No fluff no advice I thought did not suit me

Have you seen the outcome you were hoping for?

Yes more than I had thought I felt the amounts of money I had available were something I could get help with Down to earth advice

What could they have done better?

Not for me

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

Investments for business and personal

How has Paul McCoubrey helped you?

Advice and potential growth

Have you seen the outcome you were hoping for?

Still hoping for growth like everyone else

What could they have done better?

Iam not an expert that would only be a guess

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

I needed to understand how the future would look financially.

How has Paul McCoubrey helped you?

He has provided expert advice and guidance to help us plan for our retirement.

Have you seen the outcome you were hoping for?

So far, so good.

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

Needed a reliable honest financial advisor who would look after our long term interests

How has Paul McCoubrey helped you?

Absolutely yes. He has guided us for many years with investment and pension planning

Have you seen the outcome you were hoping for?

Yes. With retirement approaching we are in a much better financial place than we would have been

What could they have done better?

Nothing at all