David Gibson

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

David was introduced to me by a family member who could no longer look after their own affairs, and had invested and trusted Gibson Financial Services for many years.

How has David Gibson helped you?

David advised me about inheritance planning, long term care, investments, and pension planning.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

I wanted to appoint a financial adviser in Northern Ireland after moving from Scotland last year to live in Northern Ireland.

How has David Gibson helped you?

David managed my pension transfer very efficiently and kept me fully informed of the process at every stage. He has provided regular updates since then, often unprompted, and replies quickly to any messages or phone calls from me.

Have you seen the outcome you were hoping for?

Yes. I feel that he takes a close interest in my investments and I have every confidence in his professional expertise and judgement.

What could they have done better?

Nothing I can think of.

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

An unruly and under-performing collection of assets.

How has David Gibson helped you?

Clear advice, helped us better understand our own attitude to risk, moving investments to better performing funds, offering choice on ethical investment. merging investments. Pension planning.

Have you seen the outcome you were hoping for?

Yes, i.e. maintain the core value of our initial portfolio but release funds as required to maintain current lifestyle.

What could they have done better?

Nothing really.

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

Nearing retirement.

How has David Gibson helped you?

David provided me with accurate, professional and practical information on how best to invest for my future.

Have you seen the outcome you were hoping for?

Yes I've been very happy with the results even in the midst of a pandemic.

What could they have done better?

Nothing as we were in 'uncharted' waters with this pandemic.

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

When offered early retirement I needed support in managing my various pension/savings sources to generate future income.

How has David Gibson helped you?

From our first meeting David struck me as a trustworthy individual who was putting my interests first. He was clear in his explanations of the different options and took care to understand the situation before giving any opinion.

Have you seen the outcome you were hoping for?

Yes. Despite a pandemic hitting us a few months after commencing our relationship, David has provided a high level of ongoing service and the investment performance has been good.

What could they have done better?

Very happy with the service.

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

It's something that I have for many years availed of - in earlier years when trying to save for the future or planning towards retirement. More recently when retirement date eventually arrived I needed someone who could navigate me through the correct process @ pension funds and how to get the best product to take me from salaried income to dependance on a Pension.

How has David Gibson helped you?

David - like his father before - offers sound advice, is aware of my needs and requirements. He offers an easy to understand explanation of all transactions or changes. The attention to detail either at annual updates or during the rest of the year leave me with little or no concerns in David's ability to advise me accurately regarding a secure future wealth plan.

Have you seen the outcome you were hoping for?

Absolutely - with no doubt. David's advice has helped me achieve financial goals which I planned for 10 years before.

What could they have done better?

With all that have written before there is nothing which I could challenge or expect better.

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

We are approaching retirement and looking to plan for the future regarding our finances.

How has David Gibson helped you?

David has invested our lump sums and will invest my dc pension when I stop working.

Have you seen the outcome you were hoping for?

Yes the investments are performing well.

What could they have done better?

David has given a first class service with no real improvement required.

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

I needed help with sorting out my late husbands financial estate and particularly stocks and shares. I had no idea where to start.

How has David Gibson helped you?

I have no understanding of Stocks and Shares or some of the other financial issues relating to my late husbands estate. I gave David as much information as I could and he liaised with the family solicitor appropriately David explained how he converted the stocks and shares into ethical investments, he showed me in detail on a screen protection

Have you seen the outcome you were hoping for?

The outcome has been excellent. Ethical investments are important to me and David made sure this was adhered to

What could they have done better?

Everything that could be done was done.

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

To look after our financial future

How has David Gibson helped you?

By invention our money wisely

Have you seen the outcome you were hoping for?

More so in the earlier years but more difficult in the present situation

What could they have done better?

David has looked after our finances as well as expected in the present circumstances

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

We wanted assistance with our financial planning for the future with our kids and our long term retirement planning.

How has David Gibson helped you?

Using our current salaries and planned expenditure, David provided us with comprehensive scenarios of different investments and retirement options.

Have you seen the outcome you were hoping for?

So far we have been very impressed - especially considering the uncertain times we are experiencing.

What could they have done better?

N/A

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

My husband and I were reaching retirement and we needed investment advice

How has David Gibson helped you?

David was recommended to us and we have not been disappointed - he has provided us with expertise as to how to invest our savings and has provided reassurance that our standard of living can be maintained.

Have you seen the outcome you were hoping for?

Yes and more !

What could they have done better?

It would be helpful to have the graphical presentations in advance of any meetings

Please provide a brief comment about your experience with David

Up front, honest, transparent

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

Initially we needed someone to provide advice on how to invest a retirement lump sum in a way that made us financially secure in the future. Subsequently we had to seek advice on a pension transfer and how to continue to invest in future pensions. David was recommended to us by friends.

How has David Gibson helped you?

David provided independent financial advice to meet our needs. He carried out an assessment of current and future incomes, our attitude to risk and made investment recommendations based on this analysis

Have you seen the outcome you were hoping for?

Yes so far so good.

What could they have done better?

There's nothing that we can think of. Service, advice and keeping us informed have all been excellent.

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

Low interest rate with the banks

How has David Gibson helped you?

Give me advice on how to get an income causiously

Have you seen the outcome you were hoping for?

yes

What could they have done better?

I am happy with all advice

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

Advice from a friend

How has David Gibson helped you?

He consolidated our investments.

Have you seen the outcome you were hoping for?

Not yet

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

Recommendation by a friend

How has David Gibson helped you?

By giving helpful advice ref investments and consolidating same.

Have you seen the outcome you were hoping for?

Not just yet but hope to soon.

What could they have done better?

Can’t think of anything.

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

Professional Pension advice

How has David Gibson helped you?

Explained clearly my options, various risks and offered a pension suited to my circumstances.

Have you seen the outcome you were hoping for?

Too early to tell, however I am confident in David’s ability to oversee investments.

What could they have done better?

Happy with overall service I received.

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

Pension and lump sum income - investment advice pre-retirement. My wife and I were looking for someone we could trust and David was recommended by a close friend who strongly recommended Gibson F P

How has David Gibson helped you?

Expert advice on attitude to risk, also how, when and where to invest in order to provide for future retirement and taking responsibility for setting up the actual investments. This followed up with annual reviews by phone and face to face.

Have you seen the outcome you were hoping for?

So far, so good.

What could they have done better?

Couldn't ask for better service up to the present.

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

I had multiple pension pots and redundancy payments and wanted advice on how to manage

How has David Gibson helped you?

David brought all the funds together into one portfolio and manages on my behalf

Have you seen the outcome you were hoping for?

Plan is on track based on the models and risks we discussed

What could they have done better?

Nothing comes to mind, David listens and provides and explains the available options

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

a) I’m getting closer to pensionable age & b) I wanted someone who is knowledgeable and trustworthy.

How has David Gibson helped you?

He helped me ‘plan’ for retirement via his income and expenditure models and then tailor-made the correct financial plan for me.

Have you seen the outcome you were hoping for?

It’s early days (6 months) at the moment but initial returns are encouraging.

What could they have done better?

To-be-honest I’m not sure, I personally was looking for honesty, security and realistic returns. David Gibson gave me that.

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

Pension and investment advice.

How has David Gibson helped you?

David understood my needs and goals and clearly and concisely explained everything in a way I understood.

Have you seen the outcome you were hoping for?

My expectations have been surpassed. His advice and guidance invaluable.

What could they have done better?

Absolutely nothing ! He provides a first class service .

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

I had been made redundant, and needed advice on the best options for investing my severance payment.

How has David Gibson helped you?

David gave me options after reviewing my financial circumstances.

Have you seen the outcome you were hoping for?

I have now invested in some new financial products, and moved an existing investment to a better suited product, after advice.

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

Retirement and house move.

How has David Gibson helped you?

By analysing our needs, produving a plan which was flexible enough to accommodate our changing circumstances and by consolidating and thereby simplifying our financial affairs.

Have you seen the outcome you were hoping for?

Yes - we have been able to plan more confidently for the future in the light of the advice and guidance we have received.

What could they have done better?

I cannot think of anything so far that could have been done better

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

I had recently moved back to Northern Ireland and as I was not entirely happy with the service I was getting from my previous financial adviser in England, I felt the time was right to appoint a new financial adviser to manage my investments, with the added advantage of being someone local.

How has David Gibson helped you?

David reviewed my existing pension arrangements and investments and made recommendations for re-investing my portfolio in a more cost effective manner and in line with my attitude to risk. In our discussions, David was friendly, yet professional in his approach and he was well-informed, organised and ultimately someone I felt I could have confidence in.

Have you seen the outcome you were hoping for?

My portfolio has been re-invested within the expected timescale and without any problems. I was particularly pleased that David always dealt with matters promptly without having to be reminded or chased. He also regularly would get in touch to keep me updated on how things were progressing.

What could they have done better?

I am very satisfied with the service I have received so far and consequently have no suggestions to make.

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

David guided me through coping with my share of my ex husbands pension.

How has David Gibson helped you?

David helped me tremendously with everything I need to do at a very stressful time. With his help I managed to free up money to buy my home.

Have you seen the outcome you were hoping for?

Yes everything has turned out very well indeed.

What could they have done better?

I don’t think David could have done anything better. He is an excellent Financial Advisor.

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

All my pensions and isa and bonds were all over the place and wanted to group them ,easier for us to have.

How has David Gibson helped you?

He show us a straight forward and easy laid out plan for the future ,so I and my wife can understand where we are going.

Have you seen the outcome you were hoping for?

I am in year one but can see where I'm going and what and where my money is invested in.

What could they have done better?

I'm happy with the result I am getting and as not totally computer educated mr Gibson will meet to explain all which does not happen with some financial advisers as they tend to expect you to be up to date no matter what age

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

We were getting into old age and less able to consider complicated financial planning and wanted a good advisor to help us organise our affairs and make plans.

How has David Gibson helped you?

He helped us sort out our investments and gave us confidence that we had arranged things sensibly and what our budget should be.

Have you seen the outcome you were hoping for?

Yes. Very happy.

What could they have done better?

So far we have been pleased with the relationship including the fact that he up to date with using modern technology.

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

Need advice regarding investments.

How has David Gibson helped you?

Provide advice and planning for future.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

The paperwork is confusing, I could do with less paperwork and greater use of plain English. However David's availability for any queries is good.

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

To invest and save for retirement.

How has David Gibson helped you?

Good advice, concise explanations and an excellent, friendly service.

Have you seen the outcome you were hoping for?

Yes.

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

Uncertainty on our future due to serious illness, we were looking to bring our existing investments under one Financial Adviser that we could have complete trust in.

How has David Gibson helped you?

David spent a lot of time with us finding out our exact requirements and advising us on the best investments for our future financial needs.

Have you seen the outcome you were hoping for?

Absolutely. We first contacted David through a personal recommendation and couldn't be happier with his services.

What could they have done better?

From my point of view, David has done all we asked and more and keeps me updated on a regular basis.

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

Death of Husband needed financial planning advice.

How has David Gibson helped you?

So very easy to talk with, after my Husbands death be made me feel comfortable to discuss my affairs.

Have you seen the outcome you were hoping for?

Yes very pleased with my plans for the future.

What could they have done better?

Nothing

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

Need advice on savings and pension planning for an achievable retirement date before the state pension age.

How has David Gibson helped you?

He understood my goals and we are on track for my target retirement date.

Have you seen the outcome you were hoping for?

Yes happy with advice I received from David.

What could they have done better?

David couldn't have been more helpful and understanding and would recommend him to anyone who is look for a professional service.

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

I looked after my own investments for several years but owing to low interest rates I felt I needed expert advise and moved my financial affairs to David after he was highly recommended.

How has David Gibson helped you?

With great patience and expertise he ascertained the needs of my wife and I to our complete satisfaction.

Have you seen the outcome you were hoping for?

Yes, definitely and we are very satisfied with the service David has given us and wouldn't hesitate to recommend him.

What could they have done better?

Nothing, he was always patient and contacted us immediately we had any queries, which he solved.

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

I had to use an advisor to transfer funds from one product to another.

How has David Gibson helped you?

He made all the arrangements and completed all the necessary paper work and gave advise as to where to reinvest.

Have you seen the outcome you were hoping for?

Yes, very efficient.

What could they have done better?

David was very efficient and clinical when it came to doing the business. The only slight criticism is the fees charged are slightly more expensive than others provide for the same service.

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

To set up pension drawdown facilities.

How has David Gibson helped you?

David dealt with my requirements in a very efficient and effective manner. He explained each component of the process in detail and responded very quickly to any queries I had.

Have you seen the outcome you were hoping for?

Yes and in the timeframe indicated.

What could they have done better?

David dealt with my needs in a highly professional manner.

How has David Gibson helped you?

GATHERS THE FACTS, LISTENED TO OUR CONCERNS FOR THE FUTURE AND FROM THIS , GAVE CLEAR, EASY TO UNDERSTAND ADVICE.

What could they have done better?

N/A

How has David Gibson helped you?

David explained everything clearly to someone who has only a basic knowledge of investments and dealt with everything promptly and painlessly.

What could they have done better?

We only invested our money last October and to date there is nothing we feel could have been done any better.

How has David Gibson helped you?

David explained how the system works to me very well, I had no knowledge before our first meeting about how investments work but since our first meeting, I think that I have grasped the basics of how it all works. Any queries that I have had since our first meeting, he has got back to me within a couple of days of me emailing him. I am very happy with the service that he has given me and it has seemed to have paid off.

How has David Gibson helped you?

Communication is brilliant, explains everything in great detail. Replies promptly to any questions usually within a few hours. Gives an honest and informed opinion. Has great patience as I asked loads o questions and was v v slow at making my decision. Highly recommend this company.

How has David Gibson helped you?

Listens and advises appropriately

How has David Gibson helped you?

My adviser takes time to explain and give advice on financial matters. His company provides online information regarding my investments whether they are doing well or not so well. David is very approachable and although he is very busy, he still has time for a personal chat. He also is very patient in outlining problems that I may have as an investor.

What could they have done better?

Improvements could be made in making the investor more aware of all costs involved associated with investments.

Please provide a brief comment about your experience with David

How has David Gibson helped you?

David is always professional and courteous with a good knowledge of all financial matters.

How has David Gibson helped you?

David has a very natural ability to interpret his customers needs and communicate possible solutions. When this is aligned to his comprehensive understanding of the whole field of investments and savings along with his proven competency, it makes using David as a financial advisor an easy choice.

How has David Gibson helped you?

x

What could they have done better?

x

Please provide a brief comment about your experience with David

Consultation was unhurried and answered all my questions. Would definitely use again.

Please provide a brief comment about your experience with David

I found David extremely helpful and understanding with my situation. I feel confident that he will do his upmost to do everything that needs to be managed with skill and professional expertise.

How has David Gibson helped you?

David took time to find out about my background, interests and lifestyle and then carried out a very detailed financial analysis on my current and future spending needs. I didn't feel rushed or under any obligation at this (or any) stage of the engagement process. When I completed the very detailed expenditure questionnaire I was shown how making decisions now such as how leasing a new or buying second-hand car could impact on my available resources in the longer term. David also took time to explain the differences between fund managers (and how they structure portfolios), active and passive funds and differences between investment platforms. If he was unsure of something then he would check it out and very promptly follow up after our meetings.

What could they have done better?

I would have appreciated a fairly detailed but easy to understand general guide to investing terminology e.g. active funds / passive funds / when does it make more sense to use one investment platform over another etc.

How has David Gibson helped you?

Given that the world of finance is extremely complex to comprehend , David communicates clearly with his client so making us feel secure in the knowledge that he has our specific interests and needs at heart. His professional expertise and approach is outstanding . This takes away all worries and concerns , making it a stress free experience. David presents a very client focused approach in a positive welcoming environment. It has been a pleasure to have conducted business with him.

What could they have done better?

I really cannot offer any constructive feedback., simply because I was given such care and attention , nothing was too much trouble and as a result I have placed my trust in David . Rarely do we have an experience where there is nothing to suggest but in this instance I have none. Congratulations to the entire team.

How has David Gibson helped you?

Listened to what my goals are, educated me on some of the opportunities, well tuned in to my attitude to risk

Please provide a brief comment about your experience with David

First impressions good, but would require further meetings to form an overall opinion

How has David Gibson helped you?

Basically David does everything well. He takes time to explain, understands my requirements and makes sure I understand his advice. All in all a very professional service.

How has David Gibson helped you?

David is a very able and approachable financial adviser. Not only is he able to explain in "layman's" terms what it is that he is advising but also he is able to relate to any concerns or fears I may have.

What could they have done better?

Not sure- need to think about this one!

How has David Gibson helped you?

HES easy to talk to and listen to what i want and then gives sound advice

What could they have done better?

He always able and willing to speak even its something small bout my investments

How has David Gibson helped you?

Friendly and approachable. Responds to requests promptly. Excellent knowledge of subject.

How has David Gibson helped you?

David comes across as professional, trustworthy, approachable and interested in me as a person. At our meetings he takes the time to fully gauge my financial needs and I have confidence in him to make the correct choices of products for me.

What could they have done better?

I could always do with more help understanding the detail of statements.

How has David Gibson helped you?

He gives clear and concise information. I constantly felt that I was informed of any changes. I felt like I received feed back ASAP which was great.It is very clear that David is an expert and that gave me confidence in his ability to give me the best advice. A friendly and professional advisor who exceeded my expectations.

What could they have done better?

Your office is very clinical, perhaps get some plants. First impressions are everything in a room.

How has David Gibson helped you?

David provided a great service & understanding for getting the best mortgage for me & my sister. David also was very helpful with any questions we had with regard to the mortgage and to other services that were required for our mortgage.

How has David Gibson helped you?

David managed to simplify a very complicated pension situation by tying up a number of loose ends and was then able to explain clearly how best to move forward. All this carried out in a professional and assured manner which put me at ease throughout.

How has David Gibson helped you?

David is highly efficient and has always secured for us excellent financial services and products that have met our needs. From booking appointments to straightforward and explaining in plain English the salient points of products, we have always felt that David has worked with us to get the best deal that suited us.

What could they have done better?

There's little that David needs to improve on. Perhaps a 2 yearly appointment system to reevaluate product yield/performance - although I understand that it's of course up to yourself to stayon top of your own finances.

How has David Gibson helped you?

Very satisfied with the service. David was approachable and gave honest advice. He made sure he had a good understanding of our requirements, and was able to explain fairly complex financial packages in a simplified way that we could understand. He was well informed and had good connections with other players in the financial field. He was always happy to provide on-going advice, and we will continue to use his services in the future. He came highly recommended, and we are happy to endorse these recommendations.

What could they have done better?

Cannot think of any suggestions.

How has David Gibson helped you?

ADVICE WAS GIVEN IN SUCH A WAY THAT I UNDERSTOOD ALL ASPECTS AND IF THERE WAS ANY POINTS THAT I DID NOT FULLY UNDERSTAND IT WAS EXPLAINED IN MORE DETAIL.

What could they have done better?

VERY HAPPY WITH THE SEVICE PROVIDED TO DATE.

How has David Gibson helped you?

Excellent service

How has David Gibson helped you?

I had series of meeting with David Gibson. Initially he gave me an overview of the services he could provide and the financial houses that would/might be involved in any potential investment I might be interested in. He also took stock of my financial situation and offered to provide a "pie-chart" of growth/depreciation of my capital for the forthcoming years taking into consideration the way my capital was invested. He then made clear that there risks involved with investments and briefly outlined the various portfolios on offer. On numerous occasions he was at pains to point out that if I was to make an investment - no monies was passed thro' his accounts. He advised that I take some to time to consider my move. Having decided that I wanted to make some sort of investment I met again with David and this time I had a fully comprehensive risk assessment followed by a more detailed overview of suitable portfolios. Again he explained which financial companies/houses my investment would be spread across if I went ahead and the FSA cover they had. I was advised of their fee and also his. He suggested I should take thinking time before deciding. Rang him my decision before meeting him again. Paperwork was ready, all relevant points and fact detailed Sorry for the ""story" but the whole experience was comfortable, smooth and reassuring. No pressure and felt I was aware of all the facts/pitfalls

How has David Gibson helped you?

He is able to explain what to the lay person appear to be complex financial matters in simple terms and to present the options very clearly. He is very efficient in dealing with the paperwork and in keeping in touch. We very much like the way he will prompt us either that action is required or there are other topics which we need to consider.

What could they have done better?

I have not found anything so far!

How has David Gibson helped you?

My late husband and I felt we couldn't have managed our affairs as well without the advice from Gibson Financial Planning over the years. Since my husband died I have completely depended on Mr David Gibson for all financial guidance, even when at a very"low ebb", right down to personal day to day living management of money. Because of this service other members of my family have become clients.

What could they have done better?

I don't feel qualified to make a suggestion.

How has David Gibson helped you?

Assured, clear, approachable and trustworthy. Has dealt with the my needs and that of my family with great courtesy and professionalism. Hard to fault...

What could they have done better?

Hard to find fault.

How has David Gibson helped you?

Listens intently, researches marketplace well and gives concise summary with appropriate advice.

What could they have done better?

Nothing.

How has David Gibson helped you?

Myself and my mum went to see David about mums finances. My mum has never had to deal with finances as my dad always looked after investments etc. Mum was understandably very nervous as she was unsure what to do. David sat with us, made us feel very comfortable and before he made any recommendations about what to do he asked mum many questions to ascertain what exactly she wanted from him and his company. He listened intently and showed a real interest in mum as a person and not just a client. He did not push to sell this or that, and mum got exactly what she wanted - we receive regular updates and are able to contact David without any problem. In short he was knowledgable, respectful, professional and friendly. An exceptional all round service!

What could they have done better?

Nothing.

How has David Gibson helped you?

He explained the pros and cons of all the different options clearly and gave us plently of time to reach a decision. He kept in regular contact throughout the process of obtaining a mortgage and went out of his wat to chase up outstanding issues with the mortgage lender. He was easily contactable and his manner was always professional and good natured.

How has David Gibson helped you?

Provides information and advice in a user-friendly format approachable and responds promptly to any request or queries

How has David Gibson helped you?

David is honest, well informed and easy to talk to. He listened to my needs and concerns and found a solution that meet them. I would be happy to continue to trust David's advice in the future...

How has David Gibson helped you?

Friendly, quick & prompt service, easy to contact

How has David Gibson helped you?

I found David to be very helpful when giving me advice. The Service provided was very professional and I would certainly recommend his company to any one looking help with their finances.

How has David Gibson helped you?

David Gibson researches all the options available on the market and will find the best option for you - he has been a great help in securing mortgages and other policies for me, and reviews these on a regular basis.

How has David Gibson helped you?

Excellent advisor for many years to myself and my whole family.

How has David Gibson helped you?

Extremely professional but friendly approach. At early meetings, Mr Gibson took time to find out about my circumstances so that a suitable strategy could be instigated. Excellent advice and well explained at each stage. Time was always taken so that I fully understood the procedures. Good lines of communication at all times - I always felt that I could contact Mr Gibson with any queries. I felt that trust was built up very quickly. I would not hesitate to recommend this adviser to a friend or colleague.