Andy Reynolds

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

I had costly advice from a previous independant advisor

How has Andy Reynolds helped you?

Andy has given me advice and he has explained my options as i am getting close to retirement in just over a year

Have you seen the outcome you were hoping for?

Not yet but i expect to

What could they have done better?

Nothing Andy is a thoroughly trust worthy advisor

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

I had experienced an unplanned life change. My health deteriorated rapidly due to an autoimmune condition that robbed me of my life as I knew it. I was forced into retirement.

How has Andy Reynolds helped you?

Andy was very pleasant and patient, he helped me understand my financial situation and streamline my investments. It is early days but I have confidence that the service will continue to be five star as I think integrity is just in Andy’s DNA.

Have you seen the outcome you were hoping for?

It is too early to answer this question but so far so good. It has been straightforward and professional.

What could they have done better?

Nothing major, maybe be clearer on the level of personal detail that appears in the documents. It is a good amount and demonstrates understanding of the client’s circumstances but it came as a bit of a surprise to see it in writing.

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

I needed reliable professional advice about my finances, particularly in the management of my SIPP and ISA.

How has Andy Reynolds helped you?

Andy is an excellent communicator, and is always available to listen if I have any concerns or questions about my finances. He listens carefully and gives me clear and understandable explanations, information and advice about my investments, and my financial position In general.

Have you seen the outcome you were hoping for?

During the 3 years Andy has been my financial advisor, he has given me sound financial advice and guidance which has exceeded my expectations.

What could they have done better?

Nothing.

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

Disappointed with previous adviser

How has Andy Reynolds helped you?

Explained investments and given good advice. Good communicator keeping us informed.

Have you seen the outcome you were hoping for?

To some extent but early days

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

Downsizing provided me with some capital which I was anxious would not be eroded by inflation or uncertain financial climate. I needed guidance and Andy was highly recommended to me by a respected contact.

How has Andy Reynolds helped you?

Andy listened carefully to my circumstances, concerns and expectations and guided me towards a sensible plan.

Have you seen the outcome you were hoping for?

Plan was implemented very recently so no results to date.

What could they have done better?

?

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

I needed financial professional advise .

How has Andy Reynolds helped you?

I needed advise with my pensions and thought this is the right thing to do.

Have you seen the outcome you were hoping for?

I know know where my money is invested and can track it at any time I wish

What could they have done better?

To be honest nothing.

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

I decided it was time to start a personal pension

How has Andy Reynolds helped you?

Andrew was there every step of the way to ensure everything was explained and understood

Have you seen the outcome you were hoping for?

Having now started the pension investments I feel more financially secure

Please provide a brief comment about your experience with Andy

Very professional and clear advise from Andrew.

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

I now have to manage financial affairs which my late husband used to deal with

How has Andy Reynolds helped you?

He has given me advice regarding financial investment

Have you seen the outcome you were hoping for?

This advice is recent so the picture is only emerging hence only 4 stars for the results at present. I hope for 5 in the future.

What could they have done better?

I am very happy with all that he has done for me and he has explained all the details for me

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

Pension planning

How has Andy Reynolds helped you?

Andrew has a very clear, concise and measured way of going through the important issues of finance planning. His enthusiasm and abilities give me confidence that he will do the best for me.

Have you seen the outcome you were hoping for?

To date yes!

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

Trying to get enough together for a house deposit

How has Andy Reynolds helped you?

Great advice and suggestions.

Have you seen the outcome you were hoping for?

Still working towards the house but we are on the way.

Please provide a brief comment about your experience with Andy

Got back to me but by that time i had already engaged another firm.

Please provide a brief comment about your experience with Andy

Clear information and answed al my questions

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

I had not had any financial review done by a professional for many years

How has Andy Reynolds helped you?

In a professional and understanding way Andrew got to understand my requirements and priority

Have you seen the outcome you were hoping for?

Absolutely, like I said he put my wife and I at ease. It was reassuring when he came back after gathering all the different pensions I had and explained in a way that made sense what we would have to do to reach our goals

What could they have done better?

Nothing in my opinion. I was completely satisfied with the way business was conducted by Andrew and would have no hesitation in recommending his service's

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

I am aware of some tax changes that may impact negatively on me in the future as a result of my current pension product. My understanding of the predicament is poor therefore I sought advice.

How has Andy Reynolds helped you?

We discussed my finances and my current pension product. Andrew kindly contacted the pension scheme to gain more information and see where exactly I stand in terms of contributions and tax implications.

Have you seen the outcome you were hoping for?

Yes - information was received in a speedy fashion and is reassuring.

What could they have done better?

It is really difficult to think of something he could have done better. My experience has been very positive and I would recommend Andrew to family, friends and colleagues.

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

Optimising tax efficiency and pension utilisation

How has Andy Reynolds helped you?

Andy advised and recommended and the results in tough times have been excellent

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Keep on doing what you do best

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

I required a pension having recently transitioned to self-employment. In the course of these discussions, as well pensions, Andrew explained insurance as the need for it.

How has Andy Reynolds helped you?

He created a pension for me which I pay into monthly now, and also set up some insurance policies. I now have a cover in case of death of crucial illness.

Have you seen the outcome you were hoping for?

Yes I have. Pension is now up and running and I am have health insurance. Charges were explained upfront which I was happy with.

What could they have done better?

Charges could always be lower but generally cannot complain. Looking forward to see performance and continue the plan for the future.

Please provide a brief comment about your experience with Andy

Excellent - very honest and clear advice. Would recommend highly.

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

I had been looking into pension schemes that would allow me to retire early. I also wanted to invest money in stocks and shares Isa’s as I was getting very little returns for the money I had in my savings accounts. I found it difficult to get create a clear picture of what was the best options for me as I had a limited understanding of both these area’s.

How has Andy Reynolds helped you?

Andrew gave me clear and concise advice on taking out a personal pension. He helped me to set a personal pension up and understand how this could help me to retire early. Furthermore he made it easy for me to understand investing in stocks and shares Isa’s.

Have you seen the outcome you were hoping for?

Since speaking to Andrew I have invested in various different funds with my stocks and shares Isa. This has gave me far better returns for my money than if I had left it in my old savings account. Furthermore, I have also set up a personal pension so that I can retire early.

What could they have done better?

Andrew gave me excellent advice on both pensions and investments. He made it very easy to understand and was happy to answer every question I had. I now feel in a better place financially because of him.

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

I recently turned 30 and although it has not affected my day to day activities in any way, I felt it was as good a milestone as any to start seriously thinking about my pension and how I can best prepare myself for later life.

How has Andy Reynolds helped you?

Being a complete novice in this area, Andy was very useful in explaining clearly different pension options available to me, how different pension contributions at this stage can affect the pension pot further down the line and the options available to me for looking after my savings. Andy took care to explain everything in as straight forward a way as possible, leaving out any unnecessary jargon, which was greatly appreciated!.

Have you seen the outcome you were hoping for?

Absolutely. I know have the information at hand to make the decisions I need to make which should hopefully help me maintain as much control as possible over my lifestyle and finances in the future.

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

My wife and I recently had a baby and we were looking for advice on different Insurance products that could provide us with further security.

How has Andy Reynolds helped you?

After initial contact, Andrew arranged a meeting with my wife and I to discuss exactly what we were looking for in an insurance policy. Andrew asked us a series of questions qualifying our circumstances and had a thorough conversation about what we were looking to get out of any potential product. We were both very impressed with how Andrew explained various products in a simple but detailed manner. He spent time with me explaining the pros and cons of each product which is something I really appreciated as I am not financially minded. Andrew's first recommendation was an income protection policy that fell exactly within our budget and provided everything that we were looking for. My wife and I were that impressed that we have been back in touch with Andrew for advice for an ISA for our baby.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

I was very impressed with the level of detailed service Andrew provided. I would say keep up the good work!

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

Within my Company, I was looking to benefit staff, by enhancing their flexible benefits element, by enhancing Life assurance / pension, and salary sacrifice schemes. On a personal basis, I was looking for advise regarding my own pension contributions / Life Time allowances and Inheritance planning.

How has Andy Reynolds helped you?

One the above Andrew provided guidance and advise on changes we coud make to our Company benefits package to support the staff, with Pension / Life Assurance and Salary Sacrifice. On a personal basis, Andrew sat down and reviewed my personal financial situation and then gave sound advise, on investments / pension contributions and Inheritance planning to maximise tax efficiency.

Have you seen the outcome you were hoping for?

Absolutely, staff motivation has improved, and persoanlly I have seen a good return on my investments. The inheritance planning will take a little longer to realise.

What could they have done better?

I was impressed by his personal service and quick understanding of the situation both from a business and personal aspect, little room to improve the service offered

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

I had 4 final salary pensions and I had heard a number of colleagues were looking into the option of transferring them. I required advice in order to understand my options.

How has Andy Reynolds helped you?

He explained the nature of a final salary pension scheme, why they are so valuable and some of the benefits and drawbacks of transferring them. We then looked at the implications of each option on my situation before making a decision and formulating a plan.

Have you seen the outcome you were hoping for?

Andrew talked me through the next stages, fees and timescales. I was satisfied with the outcome of the discussions and at no point did I feel rushed into making a decision. To date, very happy with the process.

What could they have done better?

Complex pension laws were explained as clearly as I think it could be, which was very useful. I found the report I was provided with to be too long, however Andrew had explained much of its content in person. No concerns over this but just some constructive feedback.

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

Nearing retirement, I was bewildered by the range of options and decisions to be made regarding my pension. I was worried about making the wrong choices for my future financial security and needed help and advice about managing this.

How has Andy Reynolds helped you?

Andrew listened carefully to all my worries and questions, and took me through all the various options regarding my pension one by one, clearly explaining in detail what each would mean in practical terms for me. He took the time to discuss the pros and cons of each and really helped me become aware of aspects I hadn't thought of. He clarified my thinking about the best way forward.

Have you seen the outcome you were hoping for?

The advice I received from Andrew has made me much more optimistic and happy about my plans for retirement. It's a great relief to now feel confident that I have made the right choices for managing my pension and ensuring financial security.

What could they have done better?

I can't fault the service in any way. Andrew's ability to answer every question in a calm and friendly manner made this a very positive experience.

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

I had some income from some property investments and also had a private pension for a number of years. With the changes in legislation around pensions I wanted some advice on what I could do with my savings and also whether the pension plan I had was best for my circumstances.

How has Andy Reynolds helped you?

Andrew offered some advice on what my options were after reviewing my circumstances. In the end we agreed to move my pension to a SIPP.

Have you seen the outcome you were hoping for?

I am really pleased with the advice Andrew gave me, I now have easy access to keep track of my investments and pension, and feel like I've got a much better handle on things than I did before. The investments are also performing very well.

What could they have done better?

Nothing, I was very pleased with the way he conducted our business and was able to communicate with me in a way that I understood and made sense, as I am very unfamiliar with financial terms and jargon!