Liviu Ratoi

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

My husband wanted to take early retirement at 55 and faced heavy financial penalties from his pension providers. He therefore needed advice on his options, the risks and gain confidence when making a huge decision.

How has Liviu Ratoi helped you?

Liv provides us with market updates, assurances and confidence. My husband has a good understanding of finances having worked for 30+ years in financial services, but Liv's depth of knowledge on financial markets, products and services is beyond ours and means we maintain a steady cashflow and have no financial worries.

Have you seen the outcome you were hoping for?

Yes. The markets is the past 4 years have been turbulent and throughout Liv has provided us with sound advice and reliable assurances.

What could they have done better?

Nothing! We have an excellent trusting relationship with Liv.

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

I originally had a large sum to invest on retirement and when my previous advisor retired Liviu took over my investments

How has Liviu Ratoi helped you?

He has suggested moving some of my investments and helped with Inheritance planning.

Have you seen the outcome you were hoping for?

Yes, my investments have shown reasonable returns, I look for steady growth not instant riches

What could they have done better?

I am happy with the service I have received with yearly reviews and extra meetings when required

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

Inheritance investment/pension advice.

How has Liviu Ratoi helped you?

Liviu is pleasant and approachable. He will answer any questions or re-explain things to me in a timely manner. I have recently asked him about my financial situation regarding a possible move and how that may impact my investments if I were to use some of it for that purpose.

Have you seen the outcome you were hoping for?

He has made it much clearer to me what impact certain decisions I may make now could/would affect my overall long term financial situation and particularly my pension situation. He has found a more cost effective way, commission wise, in where to place my investments and things seem to be going along nicely.

What could they have done better?

I’m happy with the service I have received. I feel confident with the advice I have been given and my financial future.

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

My old adviser went back to teaching

How has Liviu Ratoi helped you?

Help me with my pension, savings and life insurance advice

Have you seen the outcome you were hoping for?

It is on going

What could they have done better?

Nothing as of yet Liv has been very helpful to date

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

I had to transfer my funds from Citibank and also was looking for advice regarding my longterm retirement planning

How has Liviu Ratoi helped you?

Liv was immensely helpful in providing the advice and arrangements I was seeking. He's highly responsive to all my queries and concerns. His advisory style combines competence, reassurance and friendliness.

Have you seen the outcome you were hoping for?

So far so good. My investments have gone up in value and Liv has helped me to resolved a range of other financial concerns.

What could they have done better?

Everything is great.

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

Advice on savings, investments and future financial planning

How has Liviu Ratoi helped you?

He explained very clearly all my financial options for now and in 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?

First and foremost, I contacted Unbiased.com.to find anyone who would be able to help me sort my finances out and to help me make informed decisions on how to go about it. After browsing the Flying Colours website, I couldn't find any reason to look at other companies.

How has Liviu Ratoi helped you?

My greatest regret is not having met Liviu earlier. Liviu has been brilliany. He has been with me throughout all the processes since I met him. He understood where I was coming from and he was able to advise and explain to me clearly what needed to be done. He has been very patient with me when I've beed late providing him the necessary documentation, when, I'm sure, others would've given up. Whenever I've needed any information, ib just pick up the phone, and he not failed me, yet. We have now sorted out my pension and we will be reviewing the accounts regularly. He has also been able to give me pointers on my mortgages and other finances, and has even referred me to a mortgage adviser who has been very helpful. All in all, I feel that Liviu has gone above and beyond in helping me straighted my life out. I also couldn't resist his friendly and likeable nature and at the same time, very professional and very approachable.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Compared to where I was, a big improvement. I don't expect him to know everything, but so far he has shown me to have a very good all-round knowledge of the Financial world.

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

When retired 20+ years ago

How has Liviu Ratoi helped you?

Advised on suitable investment of my ISAs

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 looking for an advisor due to our looming retirement

How has Liviu Ratoi helped you?

Liv was great at explaining our options and risks etc. He’s always available to answer queries and does so in anneasy to understand way.

Have you seen the outcome you were hoping for?

Yes, Liv was able to structure our finances to give us the income we require.

What could they have done better?

Can’t think of anything that he could’ve done better.

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

My wife and I were changing IFA as my previous very good IFA had been taken over by Evelyn. It was quite clear from early meetings , that we would not receive the same level of personal service. Having done some research we went to Flying Colours and was put in touch with Liv

How has Liviu Ratoi helped you?

He followed the transfer of Sipps from our old IFA to the Flying Colours model after a number of comprehensive meetings. He has been responsive to our questions at all times and we are pleased with the change

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing occurs to me

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

Long term retirement savings and investment

How has Liviu Ratoi helped you?

By offering a fully transparent and comprehensive and friendly service

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am very happy and have been with the company for many years

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

To optimise the pension plans that I had active, asses retirement incomes and review inheritance planning

How has Liviu Ratoi helped you?

Great insight and a clear understanding of the relevant information and regulatory aspects. Extremely good at explaining relevant scenarios that help you to clearly understand the potential outcomes.

Have you seen the outcome you were hoping for?

Yes... very pleased with the advice and the outcomes that have subsequently occurred

What could they have done better?

No comments to add, keep up the great work - Thank you

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

I had one previously and Liv replaced them

How has Liviu Ratoi helped you?

Open and honest. strong communicator. Credible and caring.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I've given top marks. He has not shown weakness in any circumstance. No reason given to doubt

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

I was coming up to retirement and wasn't sure how best to access my pension.

How has Liviu Ratoi helped you?

I wanted someone who can explain the options and help me identify which one would be most suitable.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The whole process took a while.

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

I needed help with my first home purchase and what to do my old pensions.

How has Liviu Ratoi helped you?

Sorted out my mortgage and insurance to begin, then he consolidated my pensions.

Have you seen the outcome you were hoping for?

Yes. Everything went smoothly and I feel I’m well covered at present.

What could they have done better?

Pensions took a fairly long time to process.

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

Curious about investments

How has Liviu Ratoi helped you?

Best advice, very knowledgeable.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They did all therr is. I am happy with the service provided.

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

Private pension Life cover insurance Savings

How has Liviu Ratoi helped you?

Liviu found the best products on the market to suit my needs.

Have you seen the outcome you were hoping for?

Yes

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

Life cover insurance

How has Liviu Ratoi helped you?

Liviu helped me to find the a life cover insurance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He done the best

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

I was looking for a financial advisor with knowledge in different areas of expertise as retirement scheme, pensions, investment and financial planning.

How has Liviu Ratoi helped you?

He has presented us different alternatives for the retirement plan and we were able to see the benefits and the risks which actually enabled us to get the most comfortable, risk free option.

Have you seen the outcome you were hoping for?

Absolutely. Living was amazing!He actually made us aware of the new legislation and supported us in taking the best decisions.

What could they have done better?

Both myself and my husband were very impressed with the financial information Liviu shared with us. He is very informed and has got many contacts that can support you in many areas.

Please provide a brief comment about your experience with Liviu

Listens to our concerns and offers constructive advice

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

My original adviser returned to teaching.

How has Liviu Ratoi helped you?

Again on going but Liviu has advised me regarding my pension, savings, life insurance and getting a Will sorted.

Have you seen the outcome you were hoping for?

Work in progress but making very good progress.

What could they have done better?

Nothing and Liviu is still being very helpful.

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

On the Death of my late Wife. My Daughter suggested that I put all my investments into ONE basket

How has Liviu Ratoi helped you?

Help in understanding how the Market works, The Plus and Minus

Have you seen the outcome you were hoping for?

Not really, Maybe I was expecting to much

What could they have done better?

Dont Know ????