Harry Morgan

Please provide a brief comment about your experience with Harry

Everything is made clear and simple to understand. There is a real confidence in everything Harry’s says making it comfortable to proceed with the next steps and actions.

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

Inheritance

How has Harry Morgan helped you?

Advised on where best to invest and long term planning

Have you seen the outcome you were hoping for?

Too early to comment

What could they have done better?

Unable to think of anything

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

Looking for professional advice

How has Harry Morgan helped you?

Retirement planning and investments

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 have used Harry for many years when he worked for another firm. When he left we missed his sound advice and excellent customer service so sought him out.

How has Harry Morgan helped you?

Harry has always given practical and useful advice and excellent customer service.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything.

Please provide a brief comment about your experience with Harry

I contacted Harry seeking some clarification on the changes to pensions following the first Labour Government budget. He was on the ball with every question I had, and his knowledge and expertise on wealth management planning and Inheritance Tax was very impressive. I would not hesitate to recommend his services for anyone planning their financial future.

Please provide a brief comment about your experience with Harry

Harry has been very helpful in guiding me towards better understanding my options as I begin to invest an inheritance. He made time to speak to me on the phone, as well as in person, and was always happy to explain things when I didn't understand them. Most of all he wanted to work with me and my partner to understand our lives and therefore how best to advise us for the next years in retirement.

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

We had a number of pensions from different airlines that we had worked for and had received excellent recommendations that Harry could help us amalgamate them and improve the choices we had made.

How has Harry Morgan helped you?

Harry has been outstanding.... this is about more than money, he has always gone the extra mile and very proactively helped us in so many areas. Unreservedly recommended.

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 with some savings I need to know how best to invest for long term growth, income and inheritance planning.

How has Harry Morgan helped you?

Harry has a broad knowledge of financial services and has been able to point me in the right direction and facilitate investment and the necessary protection.

Have you seen the outcome you were hoping for?

Still fairly early days but all looks good. Certainly given me peace of mind.

What could they have done better?

Not from what I currently understand.

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

A number of pensions needed to be brought together, invested and managed

How has Harry Morgan helped you?

Understanding current and future requirements

Have you seen the outcome you were hoping for?

Harry is very personable and will always advise you honestly in an understandable way. Feel confident that we can turn to Harry at anytime which was an outcome that was important to us.

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

My husband had a tax free lump sum which we weren’t sure how to invest. Harry had been advising friends of ours, who were very happy with him. We met him and have never looked back.

How has Harry Morgan helped you?

He has given us really sound advice, and when my husband died he was there for me at a very difficult time.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Harry

Harry was extremely helpful and knowledgeable. Most understanding of our situation and financial needs whist showing compassion and understanding.

Please provide a brief comment about your experience with Harry

Reasonable initial call although a little vague around his approach to financial planning. Upon asking for some clarity on the approach and an example of work he has carried out for other clients, Harry decided I was no longer in a location that suited him and wished me good luck with my search for an adviser.

Please provide a brief comment about your experience with Harry

Harry was very helpful and the advice he gave us means we now have clarity on our future retirement prospects.

Please provide a brief comment about your experience with Harry

Harry is a good listener, with a sound depth of knowledge around financial planning at multiple life stages. He is up to date with current issues which will affect sound decision making in the short term, and I imagine that this translates well to extrapolation to the long term accordingly, in the best interests of his clients. He is helpful and clear in explaining his recommendations.

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

We were both seeking retirement and financial planning advice.

How has Harry Morgan helped you?

Harry has provided clear financial advice to us both these last two retirement years. He meets with us at regular intervals to ensure we are up to date and happy with our retirement and financial position.

Have you seen the outcome you were hoping for?

Satisfactory considering the influences of the world events in recent years.

What could they have done better?

The service has been excellent at all times.

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

We initially contacted Harry when, after a change in circumstances, we felt it sensible to enlist professional help to help us sort out our finances. We wanted advice to ensure we were making the most of our savings at the same time as reducing our Inheritance Tax liability.

How has Harry Morgan helped you?

Due to Harry's ongoing support and clear understanding of our circumstances and life style choices, his advice has given us the confidence to take out a combination of trusts and investments that will reduce the tax on our estate whilst also making sure we have flexibility and financial security. We have annual face to face meetings with Harry to discuss progress of our investments which we find extremely reassuring.

Have you seen the outcome you were hoping for?

We are certainly on track to save a substantial on Inheritance Tax and are happy that the investments chosen have spread the risk so that we are not unduly concerned with the recent downturn in the markets.

What could they have done better?

There isn't one thing we can think of that Harry could have done better. We continue to be very satisfied with our initial decision to trust in Harry's advice. He's certainly living up to his promise of being there to offer ongoing financial advice throughout the years and changes in circumstances.

Please provide a brief comment about your experience with Harry

Harry was very helpful. He was able to help and explain in great detail but in a way that was easy to understand. We would definitely recommend Harry and his services.

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

Future tax planning

How has Harry Morgan helped you?

Extremely helpful and knowledgeable enabling us to make decisions regarding way forward

Have you seen the outcome you were hoping for?

In progress, pleased todate

What could they have done better?

Completely satisfied with advice and service provided

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

Need to mitigate IHT burden

How has Harry Morgan helped you?

With helpful advice

Have you seen the outcome you were hoping for?

Not yet relevant

What could they have done better?

I think we are happy at the moment with the advice

Please provide a brief comment about your experience with Harry

Our meeting with Harry was extremely informative. We had come prepared with our key financial issues and a number of questions especially related to mortgage repayment and pension provision. Harry was able to answer all of our questions in a straight forward and professional manner. He was also able to direct us in a number of issues that we had not considered. In summary, I would have no hesitation in recommending Harry when in comes to providing sound, informative and valuable financial advice.

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

Can't remember, sorry

How has Harry Morgan helped you?

He has been most helpful in his availability and the advice, and the discussions we have had have been both informative and enjoyable.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Perhaps more growth in recent years.

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

Pension and IHT considerations

How has Harry Morgan helped you?

He is experienced, patient and open

Have you seen the outcome you were hoping for?

We have started…

What could they have done better?

Nothing

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

I was disappointed with the service provided by the company providing my financial wellbeing

How has Harry Morgan helped you?

Installing confidence in the current financial climate

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?

My late husband and I needed advice on investments some while ago

How has Harry Morgan helped you?

With advice on the above and also with long term care needs for my husband when this became necessary. Was always ready to answer any questions I had.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything

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

Pension Planning.

How has Harry Morgan helped you?

Harry has a very pragmatic approach to advisory. He has deep expertise and is a good listener and provides advice in simple to understand language.

Have you seen the outcome you were hoping for?

So far yes.

Please provide a brief comment about your experience with Harry

Harry has provided clear, straightforward information, has answered questions that I had and provided a really useful report for me to read and digest, outlining the different options available. Would recommend.

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

Retirement. Attended a seminar run by Wellesley at which Harry spoke, and was most impressed.

How has Harry Morgan helped you?

He organised the transfer of my various pensions to St James' Place, and advised me on tax efficient drawdown plus inheritance tax.

Have you seen the outcome you were hoping for?

Yes the return has been good. The six monthly meetings with Harry are most useful to ensure that my plans remain on track, and I suspect I may be needing some mortgage advice quite soon too!

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

To have an income when I retired

How has Harry Morgan helped you?

Excellent service

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

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

To manage an o going portfolio

How has Harry Morgan helped you?

Managing my portfolio. Been understand and support of my current circumstances and proactive

Have you seen the outcome you were hoping for?

Due to current volatility have not but this is not a reflection. On the team

What could they have done better?

Maybe a clearer understanding of costs

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

I have known Harry for some time, he is a professional who is extremely knowledgeable. I was looking for advice regarding retirement.

How has Harry Morgan helped you?

Harry arranged for all my pension to be consolidated and reinvested after taking tax free cash.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Did everything I needed.

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

Previously my parents used the same company for their savings and investments

How has Harry Morgan helped you?

Advise most tax efficient way to utilise my pension pot.

Have you seen the outcome you were hoping for?

Predominantly yes

What could they have done better?

Nothing that I aware of.

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

Needed advice on my pension

How has Harry Morgan helped you?

Totally helped and has given me a lot of confidence in what I should be doing with my pension

Have you seen the outcome you were hoping for?

Yes, I’ve seen a good outcome for using my pension fund

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

I was nearing retirement and needed to know how I could make best use of my pensions and savings

How has Harry Morgan helped you?

Harry has been an excellent adviser, providing my wife and I with clear explanations of the routes he considered best for us to take with our pensions and savings and our overall financial planning. We have enjoyed meeting with him regularly and being able to discuss our financial situation in person.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am not aware of any shortcomings in the advice we have received from Harry.

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

My husband was looking for advice about what to do with a pension lump sum.

How has Harry Morgan helped you?

Always clear and concise advice. He explains everything in terms that I can understand.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He couldn’t have done anything better, I trust his judgement implicitly.

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

Looking for general financial advice

How has Harry Morgan helped you?

Harry provided on going advice on a number of issues with considerable success

Have you seen the outcome you were hoping for?

Results well in excess of our expectations

What could they have done better?

Nothing

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

There was an investment that was transferred to me and I need to engage with an adviser.

How has Harry Morgan helped you?

Harry has dealt with and managed my investment and also a subsequently transferred pension scheme to ensure that the correct level of payments are made to ensure a long term financial plan is met.

Have you seen the outcome you were hoping for?

Yes, my pension plan is doing well despite the ongoing world events over the last 3-4 years that have impacted the financial markets.

What could they have done better?

Nothing to report.

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

We went through a stage where we lost all we had earnt and worried about what we would leave for the family. This time we wanted to make sure something was there for the kids and grandkids after we were gone and enough to look after us in the meantime.

How has Harry Morgan helped you?

He asked about what we wanted rather than tell us what we needed. Everyone is individual and we all want different things from life so the advice should be tailored to that.... that's what we got from Harry.

Have you seen the outcome you were hoping for?

Yes so far we have :-)

What could they have done better?

Nothing really we got what we wanted and asked for.

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

I needed long-term planning to ensure a decent standard of living in retirement.

How has Harry Morgan helped you?

Harry offered good advice that is now allowing us to enjoy our retirement and a number of long-haul holidays and experiences.

Have you seen the outcome you were hoping for?

Yes absolutely. Our portfolio has been very well managed by SJP and Harry is always available if we need to discuss any changes or issues.

What could they have done better?

Not much

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

Diversification and SIPP queries

How has Harry Morgan helped you?

Reviews my whole portfolio Takes an interest in me and my family to help guide decisions Provides advice beyond the normal financial advice Harry’s wise words said to enjoy my money. That’s a new idea for me!

Have you seen the outcome you were hoping for?

Work in progress. The investment is doing as well as can be expected

What could they have done better?

The company has had quite a bit of staff turnover. I’ve had a few FAs but Harry has been a constant throughout

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

As a business owner, I needed guidance on managing my company's finances efficiently while also planning for my personal financial future. The need for expert advice became apparent as I wanted to optimise tax strategies, plan for my retirement, and make informed investment decisions.

How has Harry Morgan helped you?

Harry has been invaluable in providing ongoing guidance and expertise. He has helped me implement tax-efficient strategies to draw income from my business. Harry also worked with me to develop a disciplined investment plan focused on long-term growth for retirement.

Have you seen the outcome you were hoping for?

Overall, I'm very pleased with the outcome so far. Harry's advice has helped me make steady progress towards my retirement goals. My assets and investments have grown consistently under his guidance.

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

To secure my future and retirement

How has Harry Morgan helped you?

Harry has helped me immensely and talked me through every step of the process in simple terms and never complicated anything. I find him very pleasant and yet very informative and professional.

Have you seen the outcome you were hoping for?

It is getting better and shall becoming fruitful over time

What could they have done better?

I cant see anything that could have been done better

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

Retirement

How has Harry Morgan helped you?

Investment

Have you seen the outcome you were hoping for?

Yes

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

Nearing retirement age and wanted some assistance in planning.

How has Harry Morgan helped you?

Makes the whole process very understandable and feel confident in the advice he is giving.

Have you seen the outcome you were hoping for?

Yes, I have a long term plan and we are regularly updated on progress.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Harry

My consultation with Harry was fantastic. We ran through my entire financial situation over the course of one and a half hours. The guidance he gave in this time was top class, he was honest & detailed throughout. To conclude our session, he recommended I do not require the services that him & Wellesley provide at this time. He reassured me that what I was doing was good & that I may need to seek financial advice later in life. This is a true reflection of his transparency, he could have easily steered me down the avenue of using their services, which I'm sure are fantastic. I think this says a lot about how Harry & Wellesley go about their business, highly recommend.

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

Death of my husband - who had been advised by Harry Morgan..

How has Harry Morgan helped you?

Financial planning

Have you seen the outcome you were hoping for?

Not yet concluded

What could they have done better?

How would I know

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

Inheritance money to invest

How has Harry Morgan helped you?

He has faked to me in plain English and explained everything to a level I could understand and is responsive when I have needed to draw down income

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NA

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

Harry was recommended to me

How has Harry Morgan helped you?

I have known Harry for several years and his advice he has given me in a fairly complicated ever changing market has been very good. Harry always takes the time to visit twice a year to go through everything and looks after the ongoing investments

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?

After my husband died I had a substantial amount of money that he previously managed by playing the stock market. I have a busy lifestyle and no time or inclination to continue investing that way so I attended a seminar and decided to get advice from Harry

How has Harry Morgan helped you?

Harry initially assessed my circumstances and future plans and gave advice accordingly. He then managed all the appropriate transfers of previous investments to investments to suit my needs. Since them we have met annually where Harry has advised appropriate changes to nmy invstments

Have you seen the outcome you were hoping for?

Yes I think so although the Covid outbreak and subsequent years investments and profits have reduced significantly but that's the risk you take and I am satisfied my investments are safe and improving slowly as markets allow

What could they have done better?

Maybe if I had agreed a higher risk pattern but I am not willing to take that route

Please provide a brief comment about your experience with Harry

Harry is friendly and knowledgeable. He gave me clear information and was paitence and understanding as we worked though my finances. Will be using again.

Please provide a brief comment about your experience with Harry

Harry was very pleasant to deal with and was open, honest, knowledgeable, clear and (most important to us) non-pressurised. Although ultimately we decided not to proceed with Harry managing our estate inheritance or pensions (it was a difficult decision), we are very clear that this was not through any failings with Harry.

Please provide a brief comment about your experience with Harry

Very easy to understand and seemed to pick up on my future Finacial plans for the future.

Please provide a brief comment about your experience with Harry

We met at one of the seminars, we then followed up with a one to one meeting at our home. Harry was very knowledgeable about all financial subjects, and in our opinion gave a very honest unbiased, advice from which he was unlikely to gain financially in any way. Would highly recommend him to anyone unsure about financial matters or looking for some genuine advice.

Please provide a brief comment about your experience with Harry

Very knowledgeable and engaging.

Please provide a brief comment about your experience with Harry

Harry provided me really useful financial advice that has helped me plan for my retirement. There was no hard sell just friendly advice that provided the clarity that I needed to move forward.

Please provide a brief comment about your experience with Harry

My mother and I had the pleasure of attending one of Harry’s seminars recently, which we chose to follow up with a private consultation a week or so later. During this meeting we discussed our requirements, posing many questions to Harry, to which he provided solid answers that enabled clarification on certain points of interest: inheritance, wills and power of attorney. Our particular circumstances needed further investigation and Harry was rapid in sourcing these answers, delivering them via email the following day. Harry has a professional and friendly demeanour and I would recommend him, based on our experience, with unwavering confidence. Thank you Harry. You are my go to man should we have further need for advice.

Please provide a brief comment about your experience with Harry

Harry’s was on time,he was throughly professional throughout and provided excellent advice.

Please provide a brief comment about your experience with Harry

I went to one of Harry’s seminars and found him to be a very well informed and engaging presenter. I had a follow up meeting with him, he helped me to understand how some of the ideas from the seminar related to me specifically. He made a real effort to understand my current position and asked insightful questions about future plans. He was definitely not pushy at all, just very professional. If you are going to speak to a stranger about your financial situation, I thoroughly recommend Harry.

Please provide a brief comment about your experience with Harry

Harry helped with my retirement planning today. He looked through my existing pensions and gave advise on how to check my state pension and explained what they all meant for me. Harry is very knowledgeable and showed me some excellent options for me for my retirement and I now feel a lot more in control and relaxed about how to plan the next 2 years. Thank you so much for spending the time to help me.

Please provide a brief comment about your experience with Harry

Harry met us today to discuss my Dad’s retirement plans. Dad is coming up for retirement age and didn’t understand what pensions he had in place and what his options were. Harry spent time with us to work through all of Dad’s options and give some extremely valuable help and advice on next steps. Harry is professional, friendly and understanding, with a wealth of financial knowledge to help us make the best decisions on Dad’s future plans. We couldn’t be happier with the help and support we’ve received from Harry. We will definitely use him again in the future and would absolutely recommend him. Thank you Harry

Please provide a brief comment about your experience with Harry

My son recommended Harry and said he was "a good guy". Harry was very kind and friendly and put me at ease in what I had expected to be a daunting experience, but definitely wasn't. He patiently explained the context of my pensions and talked through some of the options for them and my savings in the future. He made some really helpful points and answered my questions so that I now feel confident about making some decisions myself. I know I'll be in good hands and look forward to working with him in the future.

Please provide a brief comment about your experience with Harry

We found Harry's advice invaluable to us on our journey into retirement. At all times through the process he was diligent in explaining to us both the various options. Any questions and queries were quickly responded to and fully explained. We look forward to working with Harry and the team going forward as we embark on our retirement.

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

Retirement Tax planning

How has Harry Morgan helped you?

Tax saving investment and pension

Have you seen the outcome you were hoping for?

Ongoing

Please provide a brief comment about your experience with Harry

Harry gave my partner and I very useful, individualised advice. He has a very gentle, patient and had professional manner at every interaction. Harry is very knowledgeable, especially when it came to investing in pensions.

Please provide a brief comment about your experience with Harry

I was very anxious about investing because I didn't fully understand how or if it would benefit me. On recommendation, I arranged a meeting with Harry and I can say without hesitation that he is a very kind, patient and experienced Financial Advisor that has planned my investment that will give me the best possible outcome to suit my needs. I would not hesitate to recommend him.

Please provide a brief comment about your experience with Harry

Harry visited me yesterday following a public presentation. I was immediately impressed by his professional approach and deep subject knowledge. He took plenty of time to get to know me and understand my aspirations at a time of great change in my life. He is here to help and support us, not for the hard sell. I have no hesitation in recommending Harry as I look forward to our ongoing professional relationship.

Please provide a brief comment about your experience with Harry

Harry takes time to explain financial matters at a level you can understand, we really trust him & he is very easy to connect with

Please provide a brief comment about your experience with Harry

Was very good at addressing my concerns in a clear and controlled manner. No hard selling and was very easy to talk to.

Please provide a brief comment about your experience with Harry

It was delightful to have Harry in our house and get started with some early discussions following the webinar. Harry was easy to talk to and helped us understand some basics. Hoping that Harry will help us sort out some issues and we will have a longstanding frienship.

Please provide a brief comment about your experience with Harry

Great guy, answered all of my questions, good advice.

Please provide a brief comment about your experience with Harry

Meet Harry, following an invite to a free meeting. I have felt completely at ease (not something I am known for) he has been patient explaining and guiding me, and hopefully I finally have the tax planning and wealth management I have been striving for. I have no hesitation in recommending Harry

Please provide a brief comment about your experience with Harry

Harry brought a wealth of experience and foresight to review of our financial planning. He was sensitive, informative and very professional.

Please provide a brief comment about your experience with Harry

Harry met with myself and my husband. We found him very personable and knowledgeable and we both felt at ease. Everything was explained thoroughly and in a way which we understood. Our first appointment we explained what our needs were and the 2nd appointment Harry came back with his proposals and advise.

Please provide a brief comment about your experience with Harry

Harry is very knowledgeable and approachable, and explains things clearly. He made us feel comfortable, talking about some very difficult subjects.

Please provide a brief comment about your experience with Harry

I found Harry friendly, knowledgeable and easy to talk to. I'm looking forward to seeing the plan he comes up with for me and hopefully working with him in the future.

Please provide a brief comment about your experience with Harry

Harry took time to explain everything very clearly, and there was no pressure selling at all. He made me feel comfortable talking about some difficult subjects.

Please provide a brief comment about your experience with Harry

Harry has a helpful knack of bringing financial planning to life, with plenty of cautionary tales to illustrate the pitfalls of doing nothing or making the wrong decisions. His manner is assured: If he needs to take further advice to clarify a complex or difficult issue (in my case one related to LTA management), he responds quickly with an incisive recommendation on how best to progress the matter. This instils confidence that his is a very safe pair of hands whose focus is entirely on the client.

Please provide a brief comment about your experience with Harry

Harry is a very good listener and communicator, he is able to put across this financial knowledge in a manner that we all can understand. He provides information to you but does not push anything too hard.

Please provide a brief comment about your experience with Harry

Harry’s visit was very reassuring and helpful. He was very professional and pleasant and gave me an excellent idea on investment, which he is looking into and about which he will give me further details in a couple of weeks. I am very happy that I asked for a follow up visit after the seminar and would recommend him to anyone needing advice.

Please provide a brief comment about your experience with Harry

Harry is very knowledgable and gives clear advice which can be easily understood by a layman.

Please provide a brief comment about your experience with Harry

An excellent introductory discussion in which Harry quickly grasped our financial situation and made a number of relevant observations and suggestions.

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

Looking long term to secure our future and our children inheritance

How has Harry Morgan helped you?

Harry took the time to understand our circumstances and what we wanted for our future plans and worked out how to maximize our income in the future.

Have you seen the outcome you were hoping for?

Yes, we are seeing profits now even though our primary objective is for the future.

What could they have done better?

I dont think there was anything they could do better.

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

I was lucky enough to have a significant sum to invest in my pension.

How has Harry Morgan helped you?

Harry as part of the Wellesley Wealth Management Group gave a seminar to a number of recent retirees. We decided to work with him to achieve a balanced return and consistent on our pension investment, which would give us the chance to both have fun and secure some long term benefit for our families.

Have you seen the outcome you were hoping for?

There has been strong growth in our investments despite the pandemic and Harry has been a steady and reassuring voice in difficult times. He has also been able to help adjust our investments as the financial climate evolves. I am confident that, as we move forward, harry will work with us intelligently and sensitively to meet our changing needs

What could they have done better?

Not much - Wellesley use the St James Place portfolio and I sometimes find St James Place financial paperwork etc a bit difficult to fathom. However Harry and his assistant have been very good at taking that load off us and making sure that the necessary administration is handled with the minimum fuss.

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

Reviewing our pension and investment strategy with a view to planning for retirement and financial planning for our estates and family.

How has Harry Morgan helped you?

Clearly explained all our options, benefits of different strategies and helped us review our current and potential future positions. Helped us set up a trust for our grand children, combine our current pensions and review our investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Harry

Excellent analysis of our financial situation and insightful recommendations

Please provide a brief comment about your experience with Harry

Harry spent time with us to talk about our pensions and retirement. He is very knowledgeable and gave us some really helpful advice. Harry is very easy to talk to and he really “hears” what you’re saying. He has a really positive approach to your needs and he has given us the confidence and knowledge to embark on the next phase.

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

My sister and I were at a cross-roads facing a decision about funding our Mother's long term nursing home fees. The advice we had been getting was simply pressure from the local authority to move our Mother to a home with rock bottoms fees (and likely rock bottom level of care), and from the estate agent handling the sale of her property to move quickly with a cash buyer.

How has Harry Morgan helped you?

Harry helped us to understand what the local authority will/will not fund, the likelihood, given our Mother's condition of how long she is likely to need nursing home funding, and what is likely to happen when those funds run out. As a result, we held out for a better sale price for Mum's property and feel much more at ease with ourselves about the funding decision.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Harry spent an hour on zoom with us, gave us impartial, practical, down to earth and pragmatic advice, for no charge. As a result, Harry gained our trust, and my husband and I plan to seek his help with our own retirement planning.

Please provide a brief comment about your experience with Harry

I contacted Harry to ask advice re my Mother’s later life planning. Harry was as professional as he was empathetic to what is a hugely emotive and difficult financial and personal matter. I would not hesitate to recommend him.

Please provide a brief comment about your experience with Harry

Articulate, friendly and professional - my initial meeting with Harry left me feeling that he would genuinely be focused on delivering financial support that prioritised my later life objectives above all else.

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

1. Dissatisfaction with previous financial advisor, who didn't seem able to explain to me or my wife how pensions worked to a depth that we felt that we needed. Nor did I feel confidence in our previous financial advisor's suggestions. 2. A need and desire to organize three private defined contribution accounts in to a single "pot" from which an income could be drawn when required, and that would ideally grow to replace income drawn. 3. Like many folk, I don't understand investments and pension/retirement income choices as well as I should. So a financial advisor who would take time to help myself and my wife understand these increasingly important subjects was required. 4. A desire for a pension/retirement funding scheme that I could understand, but not actively research and choose the funds to make it work for us.

How has Harry Morgan helped you?

1. Harry took time and trouble to achieve a better understanding for my wife and I as to how investments and pension/retirement income choices would work for us. This made us much happier. 2. Harry organized my three private defined contribution accounts in to a single pension account. 3. Given our financial requirements (outgoings, desired income) Harry devised a drawdown strategy for my pension account that made sense, that my wife and I understand sufficiently, and that we didn't need to actively research and choose the the funds to make the strategy work. 4. We have confidence that Harry has our best interests in mind as he works to make our retirement enjoyable and financially secure.

Have you seen the outcome you were hoping for?

Due to my wife's working life being unexpectedly extended (by choice, due to change of circumstances), and due to the current covid-19 pandemic, the outcome isn't quite as expected. This means that we have not yet needed to take an income from the drawdown pension pot. However, due to a combination of fortuitous investment timing, market movements and the funds chosen, the strategy has currently exceeded all expectations for growth.

What could they have done better?

At the time of writing (08/02/21), I'm not sure that anything could have been done better. My wife and I have confidence in Harry, with no plans to go elsewhere.

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

We had been talking about the need to sort out our finances for some time which became more urgent when we downsized to a smaller property. At that point we realised we needed professional help to make the most of our savings and reduce our Inheritance Tax Liability.

How has Harry Morgan helped you?

Harry was extremely helpful and a very nice guy to deal with making us feel totally at ease. He took the time to find out about our specific circumstances and requirements and then proposed a combination of trusts and investments to reduce the tax on our estate whilst also making sure we had flexibility and financial security. We both felt confident and comfortable with the advice he gave us.

Have you seen the outcome you were hoping for?

Yes, we have already saved a substantial amount of Inheritance Tax and he takes the time to come out to see us each year to make sure our planning remains on track. He is also very happy to provide us with valuable advice and guidance on any other financial matters that we need help with. On several occasions we've picked up the phone to ask his advice and he's always very helpful.

What could they have done better?

There's nothing we can think of that Harry could have done better. We just think we have been very lucky to have chosen Harry as our financial adviser. We've been very happy with his advice and ongoing service and would highly recommend him to others.

Please provide a brief comment about your experience with Harry

Harry was introduced to me via my business accountant. Although I already have an adviser, it seemed no harm in a second opinion. Harry was incredibly understanding and flexible regarding fixing a date on Zoom, due to my business commitments. When we finally got to virtually meet, Harry had a really good handle on my business and current circumstances both personally & business. A great source of information and suggestions which were both thought provoking and gave me clarity moving forward. At present i'm staying with my current adviser but I wouldn't hesitate if my circumstances change of either recommending or using Harry as my adviser. Such a really nice chap and didn't "fry" my brain with jargon.

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

I was needing support and guidance with the management of an investment portfolio.

How has Harry Morgan helped you?

Harry provided extremely in depth and easy to understand explanations of the options open to me and how best to invest to meet the longer term investment return goals that I was seeking. He was also able to advise, recommend and set up a new private pension scheme on transfer of a previous employer pension scheme.

Have you seen the outcome you were hoping for?

To date, despite the challenging global situation with the impact of the Pandemic and Brexit for the UK, my investments and pension have progressed well, showing much better annual growth compared to some other investment options I have that are not managed by Harry.

What could they have done better?

We currently have an annual review of all investment areas which has been fine in previous years. Due to the current issues and constant uncertainties within the global markets, maybe a review every 6 months would be beneficial in the short term just to review and validate if any changes should be made to ensure that all investments are residing in the right areas to ensure stable long term growth.

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

To receive professional advice for long term financial planning and consolidation of assets and inverstments.

How has Harry Morgan helped you?

Yes. Harry provided sound general advice in a straightforward style, whilst leaving ultimately the decisions around his recommendations to me.

Have you seen the outcome you were hoping for?

Initially yes, but the greater benefits from such advice are likely to be realised over the long term.

What could they have done better?

Harry has answered all my questions and clarified my understanding of various complexities when requested. At this stage of our oingoing relationship I cannot specify a way in which he could have improved.

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

Having accumulated multiple defined contribution/money purchase pensions over my career I was looking for advice and potential consolidation for future flexibility.

How has Harry Morgan helped you?

Harry took the time to discuss and consider our situation in the round, current situation, future plans, asking questions and contributing ideas which frankly we'd never thought about before. In return he presented a comprehensive and very understandable set of options. He was able to consolidate some of my difficult to access legacy pensions, release the Tax Free Cash and migrate them to a Wellesley plan which I can now access online.

Have you seen the outcome you were hoping for?

Yes, broadly achieved our initial objectives. Clearly the markets have fluctuated wildly over the past 12 months which has been a challenge but we are in good shape.

What could they have done better?

All good really. Harry's embraced video calls and screen sharing which has enabled us to have very effective reviews over the past year.

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

Planning for the future.

How has Harry Morgan helped you?

Harry was brilliant at explaining all the options in a clear and precise way.

Have you seen the outcome you were hoping for?

My house is now in order and hopefully money working best for the future

What could they have done better?

Harry is very approachable and straightforward which is important to me. With Harrys help I have more understanding of how things work in the financial world,however I still find some of the pie chart representations difficult to comprehend. Harry is excellent and patient with his explanation and guidance but a more simplistic report would suit me better.

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

Looking to invest money

How has Harry Morgan helped you?

He helped us with organising our money and hopefully to make it grow

Have you seen the outcome you were hoping for?

Sometimes but that’s not Harry’s fault it’s the state of the world

What could they have done better?

I do not feel Harry could have done any better for us ! He has always been in contact and there when we needed to discuss anything Couldn’t have asked more of him

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

I was looking for advice on my investments and how to make the most of my money, to enable me to save towards a deposit for a house. I also wanted to make sure I had appropriate insurance in place and that my pensions were in a working for me.

How has Harry Morgan helped you?

Harry spent a lot of time to make sure he understood my goals and aspirations, to enable him to provide me with options and ideas on how I could best achieve these. We have met on a annual basis, where Harry has provided me updates on my investments and made sure that they were still suitable. When things in my life have changed, Harry has provided advice on alter my investments accordingly. Harry has always made me feel like an individual, he has spent time getting to know me, and providing advice that suited my needs. He is very knowledgeable and trustworthy and I would highly recommend his services.

Have you seen the outcome you were hoping for?

Yes - everything is going to plan!

What could they have done better?

I have no comments to make at this time.

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

Attended a seminar and realised we needed guidance

How has Harry Morgan helped you?

Explained options available, an excellent listener with a desire to help.

Have you seen the outcome you were hoping for?

Early days but especially in the present economic climate very happy.

What could they have done better?

Can't think of anything at the moment. Very pleased with all our dealings.

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

Needed to plan for retirement sooner rather than later.

How has Harry Morgan helped you?

Helped cut through all the complicated retirement plans and we have now a simple and agreed plan.

Have you seen the outcome you were hoping for?

So far no as this is a long term plan over 20-30 years and we are on in year 1.

What could they have done better?

NA

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

SIPP performance and risk; Long term risk and assurance thereof.

How has Harry Morgan helped you?

Now manages my pension and offers ad hoc FA

Have you seen the outcome you were hoping for?

in progress. < 1 year

What could they have done better?

My FA made me question "what joy am I including in my life?" - a valuable question As performance against a benchmark is key - to justify, what I deem to be somewhat average average fees, a quarterly review, especially post COVID, would be reassuring

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

I was looking to set up a SIPP and this lead me down the path to seeking a financial adviser.

How has Harry Morgan helped you?

Harry was very personable and helped by explaining the different products available and what would work best based on my goals and time horizon. He handled all the associated paperwork and getting set up with a private pension.

Have you seen the outcome you were hoping for?

Harry's advice has been very valuable both with regards to getting into the habit of regularly investing and reviewing performance throughout the year.