Ben Cordiner

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

when I retired from work I had a lump sum payment and an employers pension, in addition to various savings accounts.

How has Ben Cordiner helped you?

By selecting the right products to invest my savings to ensure that I have a good income to maintain my standard of living for years to come

Have you seen the outcome you were hoping for?

yes

What could they have done better?

I don't know

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

We had surplus money to invest.

How has Ben Cordiner helped you?

He continues to monitor our investments & gives advice accordingly.

Have you seen the outcome you were hoping for?

As with all investments there are ups & downs but on the whole we’ve been satisfied.

What could they have done better?

Nothing comes to mind.

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

Consolidation of investments and pensions.

How has Ben Cordiner helped you?

Achieve my goals for retirement income.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure if they could have done anything better.

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

Need to invest money when retiring and withdrawing my investments from my employment

How has Ben Cordiner helped you?

The above monies were invested to provide income and long term protection of the assets

Have you seen the outcome you were hoping for?

No,the outcome has substantially exceeded what I had hoped for

What could they have done better?

Nothing

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

Management of a private pension

How has Ben Cordiner helped you?

Reviewing my requirements and attitude to risk

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Possibly additional evidence of monitoring. the investments

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

Retirement income

How has Ben Cordiner helped you?

Ben has guided me through the initial stages of what to do with my Retirement Penson and now looks after my financial planning

Have you seen the outcome you were hoping for?

Yes - I have complete confidence in Ben and his team. Ben's guidance over the years has given me financial stability

What could they have done better?

Nothing

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

Planning for future following receipt of funds thru Inheritance, lump sum from redundancy plus life insurance following death of husband

How has Ben Cordiner helped you?

Provided guidance and support on setting up portfolio to cover funds for retirement and further education of four grandchildren whilst utilising tax allowances to full advantage

Have you seen the outcome you were hoping for?

Yes most definitely

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

Investment in the stock market or other income focused areas.

How has Ben Cordiner helped you?

Advised me in how and where to invest money leading up to and since retirement.

Have you seen the outcome you were hoping for?

Yes. Quite happy with advice given and it's in generally within sections that I did not know about.

What could they have done better?

Nothing as I am happy with my dealings with them and have been so for many years.

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

To transfer employment pension funds into a private pension

How has Ben Cordiner helped you?

Funds are now in a pension along with ISA account management by Ben and his team

Have you seen the outcome you were hoping for?

Yes funds have grown

What could they have done better?

Nothing

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

Loss of my wife and feeling the need to put my finances in order.

How has Ben Cordiner helped you?

We sat down and went through my financial position as it was and he reviewed the options available, after patiently explaining we chose the best scenarios and agreed the details would be sent to me to review at my leisure. He was not pushy and happy to re-explain anything I did not understand.

Have you seen the outcome you were hoping for?

Yes, I took Ben’s advice and I am still in the process of sorting out my wife’s estate.

What could they have done better?

Nothing. Ben and his team have every step of the way been very supportive and always willing to re-explain things to me.

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

To help with finance for our future.

How has Ben Cordiner helped you?

Ben has helped plan our finance so that we are safe financially for our old age

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing that I know of he has been brilliant

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

Looking for financial advice on taking early retirement.

How has Ben Cordiner helped you?

The company have always dealt with my financial affairs in a highly professional manner and with courtesy and efficiency.,

Have you seen the outcome you were hoping for?

In the round yes. Obviously along with other investors we have been subject to the vagiaries of the markets but we were always made aware of this.

What could they have done better?

Nothing to complain of really. They have always looked out for our interests

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

Inheritance money

How has Ben Cordiner helped you?

Reviewing our financial state and advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Hardly anything

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

Too long ago to remember

How has Ben Cordiner helped you?

Ben and his predecessors have dealt with my financial affairs fo years

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 had some savings which I wanted to grow and be safe.

How has Ben Cordiner helped you?

Done exactly what I wanted

Have you seen the outcome you were hoping for?

Certainly

What could they have done better?

Nothing

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

There expertise on financial matters .

How has Ben Cordiner helped you?

He is good to talk too and very helpful .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing for me.

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

an inheritance

How has Ben Cordiner helped you?

All ways financially and supportively

Have you seen the outcome you were hoping for?

yes

What could they have done better?

?

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

Needed clarity on our retirement plan

How has Ben Cordiner helped you?

Retirement planning, pensions consolidation and optimisation, investment management, and general financial and tax advice.

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?

I had some money to invest.

How has Ben Cordiner helped you?

He has managed my investments and finances for 11 years now, exceeding my expectations and enabling me to have a great standard of living but still be able to prioritise parenting and quality of life over my career and salary needs.

Have you seen the outcome you were hoping for?

Yes, and Ben has exceeded my expectations, so I'm VERY happy.

What could they have done better?

Nothing!

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

financial security in retirement

How has Ben Cordiner helped you?

listening and advising

Have you seen the outcome you were hoping for?

yes so far

What could they have done better?

not a lot really

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

My husband was looking to invest his redundancy money

How has Ben Cordiner helped you?

By recommending a portfolio suitable for our needs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Some of the online paperwork was difficult for my husband to understand and could not be sent to my email address as it was mostly concerning his pension payments

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

Retirement

How has Ben Cordiner helped you?

Easy access to talk on the phone about any concerns or for advice.

Have you seen the outcome you were hoping for?

Yes thank you

What could they have done better?

Not sure!!

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

We had several different pension funds and investments in ISA's and other savings schemes which we wanted to consolidate and have professionally managed

How has Ben Cordiner helped you?

In addition to providing sound financial advice Ben and his team provide an efficient and responsive service which fully meets our needs. We have a high degree of confidence in all our dealings with Ben and have recommended him to other members of our family.

Have you seen the outcome you were hoping for?

Yes. Our investments continue to provide the level of income we require whilst remaining funds are conservatively forecast to provide for our needs beyond our expected lifetimes.

What could they have done better?

Nothing

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

Need to invest inherited money, general financial advice

How has Ben Cordiner helped you?

A reassuring advisor in turbulent times and when my husband died

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?

The company i had used for my will went down and I was advised by a friend to try Ben when he then worked for/with a senior colleague.

How has Ben Cordiner helped you?

Monitoring and recommending changes

Have you seen the outcome you were hoping for?

For sure, the investment by and large is likely to be for my children but has grown well even through the turbulent times in recent years.

What could they have done better?

Hard to say, from my perspective they have done well for me.

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

I was nearing retirement and had many pensions and needed guidance

How has Ben Cordiner helped you?

Consolidated pensions, set up investment, arranged pension, directed to set up wills and Power of Attorney, yearly review and drawdown as required.

Have you seen the outcome you were hoping for?

Yes its ongoing

What could they have done better?

Nothing

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

A lomng time ago I attended a presentation by Helen Bates and started investing. I was eventually passed on to Frank Rosenhead who originally worked for Helen but then set up on his own. Ben is Franks son-in-law and we have stayed with them ever since.

How has Ben Cordiner helped you?

He has advised us for many years and his advice is always excellent and fits our circumstances.

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 regularly have an update on my affairs

How has Ben Cordiner helped you?

I am now a very Long retiree - having been with the firm for 30 years!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing now at my advanced age.

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

Financial matters were becoming extended and therefore rather complicated.

How has Ben Cordiner helped you?

By consolidating investments and by predicting how things could look in the future. This is particularly important as one gets older.

Have you seen the outcome you were hoping for?

Obviously one hopes that the value of investments will rise at a high and steady rate, but with world conditions as they are at the moment stability would seem to be the objective. This generally is being achieved.

What could they have done better?

Cannot think of anything at the moment.

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

It was suggested by Barclays Bank years ago when I had considerable savings built up there. They asked me if I wanted to speak to their financial adviser, which I did.

How has Ben Cordiner helped you?

He has guided me into better performing investments using my ISA and Pension allowances.

Have you seen the outcome you were hoping for?

Yes, I have developed my investment portfolio constantly since then and established a secure retirement plan.

What could they have done better?

More regular communications outside the annual planning meeting to discuss changes over the year.

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

Investment of funds from sale of my company and a need to consolidate multiple pension pots

How has Ben Cordiner helped you?

Very sensible and straightforward advice making all of the related processes and follow ups easy to understand.

Have you seen the outcome you were hoping for?

Yes , outcome has been what we hoped for

What could they have done better?

Nothing , they have taken on board some previous comments on what they can do for me .

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

Investing

How has Ben Cordiner helped you?

To invest and get the best returns

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not alot

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

Needed a lot of advice, not having any planned direction

How has Ben Cordiner helped you?

Over the years my investments have performed as hoped

Have you seen the outcome you were hoping for?

Yes, over the years

What could they have done better?

Satisfied as is

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

we wanted a coordinated and professional approach to manage the savings and investments we had accumulated during our working years

How has Ben Cordiner helped you?

by giving us professional advice on how best to invest our savings and how best to draw it down when required

Have you seen the outcome you were hoping for?

yes

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

Planning for retirement

How has Ben Cordiner helped you?

Very good advice considering a number of options

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?

Planning for our family's future

How has Ben Cordiner helped you?

Ben has advised how to invest according to our risk profile.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, all advise has been excellent

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

Recommendation from a family member

How has Ben Cordiner helped you?

How my money can help me

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?

The need to maximise interest in investments

How has Ben Cordiner helped you?

See above

Have you seen the outcome you were hoping for?

yes, by rationalising investments so that profit/loss can be easily accessed.

What could they have done better?

possibly by choosing better investments

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

Coming up to retireme nt

How has Ben Cordiner helped you?

Advising and securing our our investments into our old age

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing we can think of

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

We had received an inheritance

How has Ben Cordiner helped you?

Ben and his team have been there to answer any queries I may have had in an understanding and caring manner. I am kept up to date with regular feedback. I feel confident in putting my trust in them.

Have you seen the outcome you were hoping for?

Yes I think so.

What could they have done better?

I am happy with the service I am receiving.

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

To start to be sensible about our money

How has Ben Cordiner helped you?

Ben has provided us with sound advice and guidance as to what we should do with our various pension pots and what our investment options are to reach financial freedom when we are ready to retire

Have you seen the outcome you were hoping for?

Yes we are on a journey to reaching our finance goals

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

Needed professional advice

How has Ben Cordiner helped you?

Oversee finances

Have you seen the outcome you were hoping for?

Yes

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

Expertise

How has Ben Cordiner helped you?

I understand now about investing and pension

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?

Since retiring many years ago we soon realised that we needed help and advice to manage our financial affairs.

How has Ben Cordiner helped you?

Ben has set out a financial plan which he regularly monitors which gives us peace of mind.

Have you seen the outcome you were hoping for?

The outcome is still on track to meet our goals.

What could they have done better?

Nothing.

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

When I came to realise that our own financial planning knowledge was not good enough to deal with what current savings we had and the not too distant situation of retirement.

How has Ben Cordiner helped you?

Ben was extremely helpful around the time of retirement, helping to explain the options open to us and the pros and cons of different approaches to the future.

Have you seen the outcome you were hoping for?

Yes, we now feel that the management of our financial affairs is on a firm, well monitored, basis.

What could they have done better?

As we have never experienced any difficulties with Ben it`s a little difficult to highlight any area that could be improved.

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

Family inheritance, early retirement

How has Ben Cordiner helped you?

Provided guidance on options available

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 was due to retire and required financial advice on how best to manage by pension fund

How has Ben Cordiner helped you?

Ben monitors my financial affairs and offers advice on the best options for me. Ben does not put any pressure on me to accept his advice, it is left to me to accept his recommendations or not.

Have you seen the outcome you were hoping for?

Yes - excellent advice

What could they have done better?

Nothing as far as I am concerned. Ben or any member of his staff are always available to assist with any queries I may have.

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

Our family have used Ben and Ben's predecessors as advisors for many years. We realized we could do with some advice as we were getting married and had a house with plans for a family. Ben's team were the obvious choice as although they could not share our financial information with the rest of the family they did have an eye over all the various activities.

How has Ben Cordiner helped you?

Ben has guided us through ensuring we have all the relevant cover we need to cover for unexpected turns, sorted out our savings and pension pots. It has given us confidence that our future is well in hand financially.

Have you seen the outcome you were hoping for?

We are on a solid financial footing in a lovely house with confidence in our future financial plans, so yes.

What could they have done better?

Not a lot.

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

We had money to invest

How has Ben Cordiner helped you?

Ben has given us good advice

Have you seen the outcome you were hoping for?

yes - very satisfied

What could they have done better?

nothing

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

LACK OF KNOWLEDGE ON FINANCIAL PLANNING ON MY BEHALF.

How has Ben Cordiner helped you?

HIS OWN KNOWLEDGE AND FORWARD PLANING AS HELP ME REACH MY GOAL.

Have you seen the outcome you were hoping for?

YES

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

When originally I had savings to invest, and later when I retired.

How has Ben Cordiner helped you?

Investment and IHT advice. Annual reviews in person. Readily telephone 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?

Both my husband and I looked to Ben (and previously his father-in-law) to recommend how we invested our savings and sort out our personal pensions prior to retirement.

How has Ben Cordiner helped you?

Guided us through the complex world of financial investments and pensions.

Have you seen the outcome you were hoping for?

A simple answer - yes!

What could they have done better?

Not a lot.

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

An inheritance many years ago initially through Bates firm and then passed on.

How has Ben Cordiner helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Any problem is with us not being able to keep up with fast moving IT

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

Lump sum retirement payout

How has Ben Cordiner helped you?

Invested my pot of money wisely

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?

Have been with Ben for many years

How has Ben Cordiner helped you?

Continued with managing investments

Have you seen the outcome you were hoping for?

Yes

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

Retirement planning and management of money

How has Ben Cordiner helped you?

Sound advice on management of pensions and investments

Have you seen the outcome you were hoping for?

Yes outcome expecting. We can always hope for more!

What could they have done better?

Times available for meetings are fairly limited to weekdays in middle of days - difficult when working.

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

I retired from work and needed to invest my lump sum payment and organise various savings accounts to plan for retirement and holidays

How has Ben Cordiner helped you?

He has been there to offer advice and show us how to make our money work better for us

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 had a pension plus savings which we need to invest and grow for our retirement .

How has Ben Cordiner helped you?

Whilst not having a large amount of money we have always been treated as though our business is important and our savings etc are being professionally managed with our best interests in mind

Have you seen the outcome you were hoping for?

We have seen good growth and feel confident in Ben Cordiner

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

Pensions planning

How has Ben Cordiner helped you?

Guided and advised on planning for retirement and the future in retirement.

Have you seen the outcome you were hoping for?

Yes

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

I wanted to come out of a Final salary pension & we were unable to do so unless we moved to an IFA.

How has Ben Cordiner helped you?

We were making more from our investments Ben wasnt controlling. We asked Ben to make changes to our portfolio allocation but Ben wasnt perpared to do this as he said he had many clients to look after & he couldnt afford to spend time rebalancing our portfolio. It appeard to be 1 size fits all, which wasnt what we wanted. Bens advice fee cost of over £7,000 per year wasnt value for money at all based on the returns Ben was achieving for us.

Have you seen the outcome you were hoping for?

No. We were with Ben for over 3 years. We found Ben's fees very expensive for the quality of advice we got. Ben made over £7,000 from my pension pot & Bens advice last year netted us 0.64%.

What could they have done better?

Bens fees are far too high based based on our experience of over 3 years.

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

The need for forward financial planing and advice on a substantial Pension Fund was becoming more important. Along with Wills and consideration to plan aroun Inheritance Tax .Yes

How has Ben Cordiner helped you?

Over the years Ben has provided sound advice that positions us in a good place with financial security.

Have you seen the outcome you were hoping for?

Yes. A great deal of information is made available for our quarterly meetings with pro active advice agreed and acted upon.

What could they have done better?

We are very pleased with our position todate.

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

I have worked with Ben for many years and with the previous company before Ben joined the team

How has Ben Cordiner helped you?

Ben has become very much a friend and during volatile times in the financial world is someone whose judgement I trust.

Have you seen the outcome you were hoping for?

My portfolio has developed steadily over time and I have received very effective IHT planning advice.

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

To make money work for us. to forward plan, including retirement and eventual IHT.

How has Ben Cordiner helped you?

He has explained the different ways to achieve these aims. and then followed up on the decisions made.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None that I can think of.

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

Surplus money to be invested.

How has Ben Cordiner helped you?

His know-how about investing and financial planning.

Have you seen the outcome you were hoping for?

Sometimes. Depends on financial markets.

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

For advice on funding my retirement from paid employment.

How has Ben Cordiner helped you?

Managing my pension & investment funds; providing advice on the options for using my finances to meet my needs; inheritance planning.

Have you seen the outcome you were hoping for?

Far better than I expected.

What could they have done better?

Nothing comes to mind.

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

They contacted us regarding Michael’s pension fund.

How has Ben Cordiner helped you?

Good advice running our pension to suit our needs.

Have you seen the outcome you were hoping for?

Absolutely & more.

What could they have done better?

Not sure, under these difficult times.

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

We were not particularly looking for an advisor. Cordiner Wealth just sort of appeared at a point in our lives when we had a small amount of income spare and knew we ought to think about future financial planning

How has Ben Cordiner helped you?

We have been guided through Financial Planning to enable us to take a long term view of Financial Markets whilst looking after our short term needs.

Have you seen the outcome you were hoping for?

It certainly has! We are delighted with the service given

What could they have done better?

Honestly, nothing I can think of

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

Future planning

How has Ben Cordiner helped you?

Careful, understanding and very thorough research. H

Have you seen the outcome you were hoping for?

Yes

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

Too long ago to remember!

How has Ben Cordiner helped you?

He has advised me about my savings

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?

Receiving an inheritance and needing advice on how best to make use of it for me and my family's long term benefit

How has Ben Cordiner helped you?

Taken time to understand our aspirations and our risk tolerance. He has shown us scenarios of various investment and spending options and how they will be likely look in 10, 20 & 30 years time.

Have you seen the outcome you were hoping for?

Absolutely yes.

What could they have done better?

?

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

Needed advice on investing.

How has Ben Cordiner helped you?

Advised on investments and pensions

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Happy with advice given over the years.