Alastair Moore

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

We required advice on addressing our present and future investment/financial affairs in general.

How has Alastair Moore helped you?

Alastair initially engaged with us to understand how we wanted the future to look on a financial basis. He then presented us with a range of potential investment possibilities explaining the different levels of risk and return.

Have you seen the outcome you were hoping for?

Yes.

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

Change of company handling our finances

How has Alastair Moore helped you?

Easy to talk to

Have you seen the outcome you were hoping for?

Not yet - only recent

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

I had additional capital that I wished to invest

How has Alastair Moore helped you?

Alastair set up the investments and incorporated an old pension into the same structure.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I’m happy with the advice and implementation.

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

I needed to start drawing down my pension.

How has Alastair Moore helped you?

He has given myself and my husband a detailed plan of how we can invest our pensions to make them grow while also giving us an income.

Have you seen the outcome you were hoping for?

It is early days but our finances are on the right trajectory, and it is a long term.

What could they have done better?

I would have like a hard copy of the proposal as well as the emailed copy.

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

Planning for the future

How has Alastair Moore helped you?

He has helped me to start seriously considering my future plans and how to ensure that I can achieve my goals.

Have you seen the outcome you were hoping for?

So far, yes.

What could they have done better?

Nothing.

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

My wife and I were both approaching our late fifties so wanted to seek advice in terms of retirement.

How has Alastair Moore helped you?

Alastair has compiled our financial information and forecast our futures post retirement. He has given us the confidence to retire.

Have you seen the outcome you were hoping for?

Yes indeed,when you have all the information laid out it makes it easier to visualise.

What could they have done better?

I think it has been all very good, we are happy with the process.

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

Retirement planning and taking pension benefits

How has Alastair Moore helped you?

Alastair has helped us understand how our pensions can work for us and given us confidence that we have sufficient funds to retire much earlier than we had anticipated. His advice combined with the modelling software is invaluable.

Have you seen the outcome you were hoping for?

We are definitely moving towards a better outcome than we had initially anticipated.

What could they have done better?

We are happy with the advice provided as well as the process, including being kept up to date with everything.

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

Was considering how best to consolidate my pensions, some of which needed transferred into an account that gave me access. More specifically my Scottish Widows pension led me to Unbiased that resulted in a conversation with Alastair.

How has Alastair Moore helped you?

Alastair impressed me on my initial conversation with me, as well as challenging some of my misconceptions on the best approach for what I wanted to do. That initial impression has been maintained in his logical and knowledgeable approach to my wife and I optimising our collective pension funds.

Have you seen the outcome you were hoping for?

Yes, I am feeling very positive about my future retirement

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

Investment following sale of business

How has Alastair Moore helped you?

Alastair helped create a portfolio that maximizes my funds. He has been able to bring in both my own and my partner's pension into the portfolio which gives us much better transparency. Regular reviews help us ensure we are comfortable with our portfolio and allows us to question and made any necessary amendments

Have you seen the outcome you were hoping for?

Yes, early days as we are looking at more longer term money management, but very satisfied with the services provided

What could they have done better?

Nothing - simply keep up the good work

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

See letter attached

How has Alastair Moore helped you?

See letter attached

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not to my knowledge

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

Retirement

How has Alastair Moore helped you?

Comprehensive advice

Have you seen the outcome you were hoping for?

Too early to say

What could they have done better?

Not much

Please provide a brief comment about your experience with Alastair

I am copying below (on request) an email recently sent to Alastair: Dear Alastair We have taken some considerable time to reach a decision on our IFA, which is why it's been so long since I've been in touch. I'm really sorry to tell you that we've decided (this week) to go with Legacy Wealth rather than AAB Wealth. This is no reflection on you whatsoever - in fact your personal rapport, competence and amazing helpfulness up front ahead of a commitment from is made our decision really difficult. It's also why I needed to send this email out of both courtesy and respect. In the end we couldn't justify the extra 0.5% ongoing annual fee over Legacy in the context of returns of perhaps 5% or 6% and, given the size of the lump sum, what that translates to in absolute terms. I want to thank you very much indeed for your help and personal approach. If things don't work out in the longer term with Legacy, you'll be the first point of contact we'll turn to. Many thanks once again and very best wishes Sincerely John

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

I expect to retire from full-time employment by the end of 2024. I had a standard employer pension pot and felt I needed independent financial advice about the merits of moving the pot to another provider and to manage the funds more proactively.

How has Alastair Moore helped you?

Alastair provided a great deal of clarity to what is a complicated process with potentially far-reaching financial consequences for my retirement.

Have you seen the outcome you were hoping for?

Yes, by engaging with Alastair and AAB Wealth I now feel I have control of my retirement finances, although of course performance of the investment funds cannot be guaranteed.

Please provide a brief comment about your experience with Alastair

Alastair took the time to fully understand my circumstances. He was extremely knowledgeable and a pleasure to speak with. I recommend anyone seeking an IFA to take the time to consult with Alastair.

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

Planning for early retirement

How has Alastair Moore helped you?

Very clear and helpful in explaining everything I needed to know

Have you seen the outcome you were hoping for?

Early days but yes I think so

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

Receipt of a gift from my mother.

How has Alastair Moore helped you?

Providing guidance on setting up of ISA and general financial health planning for future goals.

Have you seen the outcome you were hoping for?

Not entirely, but I would stress that this is due to the economic challenges faced by the UK as a whole and not any shortcomings in financial advice received.

What could they have done better?

Nothing

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

Wanted to know how to fund retirement

How has Alastair Moore helped you?

Ali was able to play about with the model and give me options for retirement and lifestyle

Have you seen the outcome you were hoping for?

Yes absolutely

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

I needed investment and wealth mgt advice

How has Alastair Moore helped you?

He has been excellent

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 sold my business

How has Alastair Moore helped you?

He worked with me to develop a financial plan for me and my family in 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?

Retired

How has Alastair Moore helped you?

I’m confident that Alastair is working FOR me and is always available for a catch up.

Have you seen the outcome you were hoping for?

Not yet

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

After receiving lump sums from inhertiance, I needed to find an advisor that could guide me with financial planning.

How has Alastair Moore helped you?

Alastair has explained 'financial terms' in layman terms making it easier to understand the options on offer to you. He has replied quickly to queries. He is available to chat to at any time and use of the portal for secure communication and files is hugely beneficial if you want to check anything. Alastair has not been at all 'pushy' and I feel he really does have your best interests at heart. As a client, he gives a very personal and professional service. He is incredibly knowledge and I feel very sercure and confident in the finanacial advice is has given and is giving me.

Have you seen the outcome you were hoping for?

As far as AAB and Alastair Moore has been, in terms of advice and service, the outcome has been excellent.

What could they have done better?

Nothing.

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

We were needing to plan for our retirement & consolidate pensions.

How has Alastair Moore helped you?

Yes, definitely. Alastair has been our adviser for 4 years. He’s knowledgeable, professional and clearly explains progress and options.

Have you seen the outcome you were hoping for?

Our pensions our now consolidated and we regularly review their progress with Alastair. He has helped with options for savings and quickly responds to any questions we have. We feel reassured that we have a much better plan for our future.

What could they have done better?

Nothing, very happy with the service.

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

Potential change of job meant that I wanted to determine my financial situation which could influence what options might be available to me

How has Alastair Moore helped you?

Alastair reviewed my financial details and did a planning exercise, he talked through the options and provided advice as to what was realisable and when

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much. It took longer than anticipated to gather the data but Alastair successfully drew it together and presented it to me in a simple format

Please provide a brief comment about your experience with Alastair

Friendly and knowledgeable individual whose approach inspired confidence in this initial meeting. Frank, clear and comprehensive advice which proved helpful in making decisions on options about the future.

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

I was looking for advice regarding planning for retirement

How has Alastair Moore helped you?

Yes very helpful. Alastair explained everything in simple terms, providing several scenarios and made the process very simple.

Have you seen the outcome you were hoping for?

Yes

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

Long term strategic financial and wealth planning for family and me personally post retirement

How has Alastair Moore helped you?

Alastair was very knowlegible and had the ability to communicate key matters of interest in succinct manner. From outset, he won my trust by clearly demonstrating integrity and a desire to be creative and helpful

Have you seen the outcome you were hoping for?

Yes My expectations were exceeded

What could they have done better?

Nothing

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

I had been receiving “countdown” notifications from my pension provider to my selected retirement date, with broad figures in the notifications about how much was in the fund. However with 2.5 years left in the countdown these figures meant nothing to me. Did I have enough pensions and savings to be able to retire at 55 and enjoy a consistent lifestyle (with treats and travel) beyond this time? My husband also had a pension and savings and again we didn’t know what that meant in terms of real money supporting us in the next stage of life. I discovered Alastair and AAB Wealth and what they could do at a presentation and liked that they would look at your full portfolio (pensions, investments, savings, other income) and project forward your annual spend in retirement.

How has Alastair Moore helped you?

Alastair was excellent in listening to us and what we wanted. He made sure we included all our “wealth”, understood our objectives in retirement and things we wanted to do but never did as full time workers. We both thought the financial report and projection into the future that we received was excellent. Alastair was flexible in changing things to suit us - for example we wanted to achieve a higher spend of our resources in our 50s, 60s snd 70s and then reduce it after that. Alastair also made sure to include “headroom” for the bank of mum and dad should we be called upon in the future. Alastair presented a report that showed we could retire at 55 and our available spend into our dotage (I hope).

Have you seen the outcome you were hoping for?

Yes absolutely. I have the confidence now that my level of income is assured and we have enough to retire at 55. It is also amazingly liberating to have the surety that you now have choices career wise at 55 - perhaps going part-time or having a career shift and not 100% retirement (unless you want to)

What could they have done better?

Nothing that I can think of. Alastair and his team were proactive and followed up all the necessary information gathering making my John in the process fairly painless.