Richard Gross

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

We moved back to the UK from the US and needed to review our financial situation to plan for a comfortable retirement.

How has Richard Gross helped you?

Richard has been helpful and honest about what we need for a comfortable retirement in the future, how to plan for it, and given us a good understanding of our financial position.

Have you seen the outcome you were hoping for?

Yes, our investments are returning enough growth for us to feel confident that we've got the right financial plan.

What could they have done better?

The only disadvantage we have is that Richard is a UK financial specialist and isn't able to help us with US investments. It would be ideal for us if Richard did know enough about 401Ks, however, it's not enough of a problem to switch advisors.

Please provide a brief comment about your experience with Richard

Richard in both of our meetings has been professional and welcoming. The information relayed to us was very informative and explained well. We will definitely recommend Richard to others in the future.

Please provide a brief comment about your experience with Richard

RIchard is an excellent Financial Planner. Professional and personable, Richard expertly showed and explained information in a way that was easy to understand.

Please provide a brief comment about your experience with Richard

Really helpful and not at all pushy - just what I was looking for

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

Wanting to work out the earliest possible retirement age.

How has Richard Gross helped you?

At the outset Richard helped us make an objective assessment of the lifestyle we want in retirement, how much income we need to achieve it, and how well our existing assets would provide us this income given different projected economic conditions. When it came to retirement, he gave us very clear information on how the changing pension rules impact us, and how to best access the different sources of income so as to reduce the tax bill. He has continued to manage our finances very smoothly and efficiently.

Have you seen the outcome you were hoping for?

Richard is always very quick to answer queries, clear in the information he gives us, and supportive when we have concerns. He doesn't attempt to sugar-coat bad markets but takes a calm long-term view backed up by evidence.

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

We needed financial advice after inheriting money and receiving redundancy payments.

How has Richard Gross helped you?

He has been very reassuring about our longer term financial security and understanding our risk appetite. We feel that he has got to know us and our circumstances over the last few years and has given advice that suits our needs without being pushy or judgemental in any way.

Have you seen the outcome you were hoping for?

Yes, we're very happy with our situation.

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

To receive a better return on savings and investments

How has Richard Gross helped you?

Now using a cheaper and better performing investment platform

Have you seen the outcome you were hoping for?

Yes starting to

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

Planning to end work and transition to income from pensions and investment

How has Richard Gross helped you?

Richard has been extremely clear, concise and consistent with his financial advice and investment services. An extremely close and active listener, Richard has judged the level of detail of his advice and explanations very well, enabling us to be engaged and informed without being overwhelmed. Richard now handles our ISA and SIPP portfolios. He is diligent in ensuring that any change in our circumstances are quickly identified and taken into consideration. I particularly appreciate how Richard makes sure he hears equally from both myself and my wife.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing material comes to mind

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

My brother recommended Church's to me. I initially looked for an adviser in relation to a mortgage, and subsequently for my pension.

How has Richard Gross helped you?

Richard has ensured that my income requirements are fully met and explains all areas in a clear and understandable manner.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

There is nothing I feel could have been done better.

Please provide a brief comment about your experience with Richard

Richard is very personable, empathetic and has taken time to get to know us and to understand our financial situation and aspirations. He has been thorough and incredibly organised, and has given us extremely useful advice, spending a significant amount of time ensuring that we have had answers to every question, even at this early consultation stage. He has modelled various outcomes for us, taking into account a range of different paths. Nothing has been too much trouble for him. We are looking forward to building a long-term relationship with him.

Please provide a brief comment about your experience with Richard

Richard was very helpful in our initial (free of charge) meeting

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

Large scale inheritance

How has Richard Gross helped you?

Guided me through the options of what to do with a relatively large sum. bearing in mind my ignorance of such matters he was able to explain things in the most basic terms (fortunately!).

Have you seen the outcome you were hoping for?

Thus far, yes

What could they have done better?

Nothing

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

Having moved around in my career, my pensions were in various different schemes and initially my wife and I wanted advice on how to best consolidate them and maximise our investment values.

How has Richard Gross helped you?

Richard helps us keep on top of our financial position and is excellent at making us understand exactly what our current situation is, the risks and potential opportunities that our investments give us. He does so in a no nonsense way that two lay individuals like my wife and I can understand easily. He is very patient and goes out of his way to understand our needs and family situation.

Have you seen the outcome you were hoping for?

Yes, we feel very relaxed having Richard guide us and help us understand our financial position.

What could they have done better?

We have had previous Financial Advisors but Richard is we believe the best we have had, so much so we have recommended him not only to our family but to close friends as well.

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

Richard has been our advisor for 10 years and has supported us through various financial decisions

How has Richard Gross helped you?

Richard has always presented options that were relevant to our circumstances, listened to our position/risk approach and been very responsive to our financial planning needs

Have you seen the outcome you were hoping for?

Yes, we have been very happy with the service and outcomes that we have had for over 10 years

What could they have done better?

Nothing comes to mind

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

I inherited some money and savings on my father's death and needed advice

How has Richard Gross helped you?

He has clearly explained the investments and balance within the portfolio and identified the risks

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Been located in Dorset!

Please provide a brief comment about your experience with Richard

Call took place at a mutually agreed time (on time). Answered all my questions in a straightforward manner without any jargon. Will certainly be looking to book a face to face meeting.

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

We were looking to retire and needed some advice and guidance from a financial planner. Richard came highly recommended.

How has Richard Gross helped you?

Richard has reassured us that we can retire and has given us some very practical pension advice.

Have you seen the outcome you were hoping for?

It is too early to assess this.

What could they have done better?

Nothing, he is always very generous with his time and advice. We are at the start of our working relationship with Richard so it is too early to assess the impact on our pension investments.

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

Left an employer which had an employee pension scheme in place. I needed to start my own private pension and savings.

How has Richard Gross helped you?

Richard has helped me think and plan ahead for retirement looking at the overall picture of the various pots, sources of income together with my family aspirations. Richard is always very attentive and responsive and open.

Have you seen the outcome you were hoping for?

On a good track despite very volatile and uncertain conditions in the world.

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

The need to confidently & effectively invest personal funds.

How has Richard Gross helped you?

Richard has expertly, & methodically, advised on how to diversify my investments into a robust portfolio that I am confident on providing me with security into the future.

Have you seen the outcome you were hoping for?

The advice I have received from Richard enabled my financial assets to weather a turbulent financial climate these past few years. This has put me in a good position to ensure my funds provide me with the stability to ensure the lifestyle I choose into the future.

What could they have done better?

Nothing. Richard has always been entirely professional, proactive & considerate of my own personal requirements & circumstances.

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

To address whole life financial planning and investment.

How has Richard Gross helped you?

Across all of the above areas, Richard takes the time to understand the specific objectives and situation, then develops options and recommendations.

Have you seen the outcome you were hoping for?

Yes, though some milestones within the planning model remain future events.

What could they have done better?

I cannot fault the engagement, unfortunately therefore I am unable to provide a response.

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

Was looking to retire and needed some sound advice on a forecast to inform my decision

How has Richard Gross helped you?

Richard clearly demonstrated a retirement forecast including pension transfers where appropriate, and made the necessary approaches to providers to ensure timely transfers

Have you seen the outcome you were hoping for?

Yes - which together with regular meetings I am kept well informed and confident in the projection. Also gave good advice on wills

What could they have done better?

Nothing

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

Looking for advice on what to do with growing savings and inherited money

How has Richard Gross helped you?

We’ve been taking advice about investments from Richard for many years. He is always friendly, thoughtful, clear and professional and makes sure his guidance is closely tailored to our circumstances and wishes.

Have you seen the outcome you were hoping for?

Yes. Clear advice and good returns even during financially difficult times for the markets.

What could they have done better?

Nothing. We can’t recommend him highly enough.

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

Help me make the right choices with an inheritance, ensure the private pensions I held we right for me and to plan properly for my future retirement.

How has Richard Gross helped you?

Richard has created a comprehensive financial plan that takes into account my current financial situation and one that is set to achieve my goals and values for the future. Throughout the process, Richard has explained financial concepts and jargon in plain language and has provided customised advice and recommendations tailored to my needs.

Have you seen the outcome you were hoping for?

So far so good. I definitely feel I have made the right decision in asking Ricard to help me. Keep the good reports coming Richard!

What could they have done better?

Nothing really, I have been very satisfied.

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

I needed some advice on how best to make sure savings are best managed

How has Richard Gross helped you?

Richard helped to work out what our financial future might look like if we choose different options

Have you seen the outcome you were hoping for?

Given sound advice

What could they have done better?

Nothing

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

A diverse range of investments needed to be consolidated and managed in a visible portfolio on a single platform.

How has Richard Gross helped you?

Provided a range of investment options suitable to my needs in order to provide financial security.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Totally satisfied

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

Retirement and investments

How has Richard Gross helped you?

Ensuring a holistic view of our financial position and keeping us up to date and of changes and taxation effecting our portfolio.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I don’t believe that they could.

Please provide a brief comment about your experience with Richard

We approached Richard to review our finances as we approach retirement and were really impressed with our interaction with him finding his approach very insightful, professional and easy to understand. Richard was charming in his delivery of his review and excelled in presenting the information with clarity and straight forwardness. I have absolutely no hesitation in recommending Richard to shine his considerable expertise over one's financial plans and we were extremely pleased with the entire process.

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

My husband and I had a number of pensions and investments between us, large and small, and we needed financial advice on how to combine / manage them most effectively, with the primary objective of being able to retire in our mid 50s.

How has Richard Gross helped you?

Richard has helped us organise our money into a portfolio which allows us to draw down a monthly income in the most tax efficient way, with absolutely no reduction in our standard of living compared to when we were working. He has also helped with Inheritance Tax planning, and answers our various adhoc financial questions quickly and clearly. Our annual review meetings are a real pleasure - both informative and reassuring. Richard has a wealth of knowledge and a very pleasant and attentive manner.

Have you seen the outcome you were hoping for?

Definitely. We are enjoying the retirement we always dreamed of!

What could they have done better?

Nothing that I can think of.

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

I wanted to be confident that my savings and investments were doing as well as possible, without having to spend lots of time monitoring them myself. I also hoped to be able to retire early, and needed to be confident I had sufficient financial resources to do that.

How has Richard Gross helped you?

Richard first used a questionnaire to assess my attitude to risk. He then recommended rebalancing my investments, savings and pensions in order to have a portfolio which was in line with my attitude to risk and my financial objectives. He also advised on inheritance planning and when I eventually retired (early, as hoped), he organised the most tax-efficient way for me to receive a monthly income. He now visits me annually to review my financial situation and future plans, and regularly rebalances my portfolio to keep it in line with my attitude to risk. He always responds to questions I email him during the year very quickly.

Have you seen the outcome you were hoping for?

Richard has far exceeded what I was hoping for. In addition to having very good growth in my investments after fees are deducted, Richard has given me confidence to live the lifestyle I want to live, safe in the knowledge that my money will not run out. He has arranged things so that I pay minimal tax, and there will be no inheritance tax to pay when I die. He has also suggested several things over the years that have saved me money in various ways that I would have had no idea about if Richard hadn't told me about them.

What could they have done better?

It's hard to think of anything Richard could have done better. He is responsive, very knowledgeable and a pleasure to work with.

Please provide a brief comment about your experience with Richard

I met with Richard recently for a financial review. He was very thorough and understanding of my future goals and needs in retirement. The resulting financial plan provided a clear view of my financial position in retirement, together with possible changes which could be made before or during retirement. Many thanks, Richard.

Please provide a brief comment about your experience with Richard

We were recommended Richard Gross by a friend and we are so very grateful we got in touch with him. Richard has been professional throughout the process. He clearly is an expert in his field and has a friendly and approachable personality. At all times he and his assistant have been responsive to emails and follow up information. We will move forward in life knowing so much more about our finances. I would have no hesitation in recommending him.

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

To ensure I had a short, medium, and long-term plan whilst understanding the options available to me for my finances.

How has Richard Gross helped you?

Richard has been very helpful in looking at my portfolio, suggesting options open to me to ensure I maximise my returns for my long term goals, whilst bearing in the mind the changing needs of me and my family in the short term. He is also quick to respond to queries and implement changes where required. My portfolio has greatly benefited from Richards input which is very valuable for now and in the future.

Have you seen the outcome you were hoping for?

Definitely, with Richards help, I appear to be on course for my savings and investing goals for the future with a clear plan in place to help make this happen in the immediate term.

What could they have done better?

n/a

Please provide a brief comment about your experience with Richard

Richard has provided me with sound financial advice over the years in response to changing circumstances. His advice is always presented in an easily understandable format combined with a friendly manner and sensitive approach.

This review is a follow-up review from a client who left a review previously.

How has Richard Gross helped you since your last review?

Having successfully reviewed our financial situation and new personal goals with regard to downsizing our family home and my plans for retirement, we felt confident about making these fundamental changes over the next couple of years. In the past year we have moved home, reviewed and updated our Wills and consolidated our financial position such that we have a much clearer view of how our lives will unfold as I transition from employment to retirement.

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

Needing pension planning advice

How has Richard Gross helped you?

Clear advice with useful financial projections

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Completely happy with his advice

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

I was looking to retire early

How has Richard Gross helped you?

I spoke to three financial advisers before choosing Richard. The brief for all three was advice on a pension lump sum as I was confident in my figures of the pension I would get and what I would need. Two of the advisers told me what they could do for me with the lump sum; what really impressed me about Richard was that he told me what he could do for me with the lump sum, but that before doing that he wanted to check whether I had got my figures for pension right, because only by doing that could he be certain that the advice he would give on the lump sum would be appropriate. That approach won me over, particularly because he didn't charge for checking my figures on my pensions. I have since recommended Richard to two close friends, both of whom have used and have been really impressed by Richard's advice.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing - I was delighted with the advice I received

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

We needed someone with expert knowledge to help us manage our various assets.

How has Richard Gross helped you?

He has been excellent in his understanding of our particular situation and has made every effort to get to know us, our expectations, our thoughts about investment risk, etc. He knows more about us than our family do (a good thing!!!) We have been able to trust Richard from the outset.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

n/a

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

Apart from general financial advice, I had three major issues that I needed advice on: To ensure that I was investing my money wisely and effectively as possible What I needed to do to ensure I was financially secure during retirement To ensure my finances were as tax efficient as possible

How has Richard Gross helped you?

Over the past few years Richard has given me and my husband very thorough, realistic and reassuring advice on all our finances. He truly understands and is sensitive to our personal circumstances and takes our thoughts and wishes into account when advising us on our investments and pensions. He is hugely knowledgeable and always explains things very clearly and in layman's terms which is so helpful for those of us who find the financial world a bit confusing! On top of this, he is friendly, honest and utterly trustworthy.

Have you seen the outcome you were hoping for?

Absolutely! I am completely satisfied with the advice I have been given and the management of my investments and pension has given me more than satisfactory returns. It has also been particularly reassuring to see the graphs which map out my financial future.

What could they have done better?

Nothing - service is outstanding.

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

I needed someone who knew what they were doing to advise me on my pension, and planning for the future.

How has Richard Gross helped you?

He provided firstly great returns on my pension , and advice/expert information on it's balance. Plus laying out very clearly how to prepare for the future/rest of my life financially. A very personal expertly tailored appraisal .

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 were moving into a new stage of family life - with me approaching retirement and with our children largely away from home at University we had been considering a downsizing move. We needed some clear and understandable financial advice with transparent and fair costs - something we had not been entirely happy with with a previous advisor.

How has Richard Gross helped you?

Richard was immediately approachable, grasped our position quickly and was able to both reassure us and provide easily understandable advice that was backed up by 'what if' scenarios that could be quickly presented and worked through. This was backed-up with excellent support from the team at Church's Financial Planning.

Have you seen the outcome you were hoping for?

Yes, we have a much clearer understanding of our finances as I move toward a realistic retirement date and, having recently moved home, have a much better grip of the funds that we have available for renovation whilst continuing to fund university education for our sons.

What could they have done better?

Nothing really - very satisfied.

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

Management of some inheritance monies and with retirement on the horizon, we felt the need for specialist advice on investment management and taxation.

How has Richard Gross helped you?

Richard took over our portfolio when a colleague moved on and he duly advised on investment strategies and implemented agreed changes.

Have you seen the outcome you were hoping for?

Yes. Our portfolio has performed soundly and with Richard’s advice we have adapted it to reflect our evolving attitude to risk. As important to us is Richard’s outstanding approach to customer care and his thoroughness in eg providing us with detailed future analyses of the income streams from our investments, in the light of our expenditure needs. When Richard himself moved firms we moved our account with him.

What could they have done better?

Nothing really.

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

My husband died leaving an extensive portfolio of shares and a Trust. I also had a number of pensions including a draw down. I also had a number of ISAs

How has Richard Gross helped you?

He advised on the investments, my ISAs and my drawdown pension .

Have you seen the outcome you were hoping for?

Yes Richard has been extremely successful with all my investments, exceeding my expectations.

What could they have done better?

Nothing.

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

Approaching retirement, we felt it was time to seriously review our finances, but felt we needed professional advice to do this effectively.

How has Richard Gross helped you?

Richard undertook a comprehensive review of our finances, which highlighted areas that needed attention. He gave us excellent advice on re-balancing our portfolio, as well as giving us a huge amount of extremely useful information that enabled us, with his expert guidance, to make decisions on other personal finance issues. I have very much appreciated being able to contact Richard with any financial queries that I have had - he is very friendly and approachable, and his response is always speedy and extremely helpful.

Have you seen the outcome you were hoping for?

Yes, most definitely. Richard's advice and the subsequent re-balancing of our portfolio has given us much greater peace of mind, and we are very happy indeed with the returns we are now receiving from our investments.

What could they have done better?

Absolutely nothing; we have been entirely satisfied with Richard's advice and support.

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

Early retirement initially and awareness of the increasing complexity of the financial world.

How has Richard Gross helped you?

He has always explained things clearly in “lay” terms. I have always felt at ease in any meeting with a good dialogue between us and respect on both sides. Over time he has developed an understanding of my interests and attitudes and has made sensible and well matched suggestions.

Have you seen the outcome you were hoping for?

Yes. My aim has always been to be given the chance to develop and sustain a good working relationship acknowledging Richard’s professional knowledge and expertise and considering his advice.

What could they have done better?

Very satisfied.

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

Poor service and advice from high street banks and building societies.

How has Richard Gross helped you?

Continuation and enhancement of an established portfolio. Regular updates and re-allocation of funds to maximise growth. Richard also looks ahead which in my case, may require funding for long term care and additional income.

Have you seen the outcome you were hoping for?

Yes, steady growth has been achieved which I could not have done on my own.

What could they have done better?

No changes come to mind. Richard has performed well with my investments and is a pleasure to work with.

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

Investments and Pension planning

How has Richard Gross helped you?

Put together a suitable portfolio and has reviewed it regularly since inception.

Have you seen the outcome you were hoping for?

Yes.

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

I recently changed employment and asked for assistance with regard to transferring my old pensions.

How has Richard Gross helped you?

Richard was very helpful in explaining the pensions to me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Richard was excellent in helping me understand how the pensions work - I have never experienced this before from previous pension providers.

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

With my 55th birthday imminent I decided it was timely to review my pension arrangements

How has Richard Gross helped you?

Richard simplified a Trust arrangement relating to a pension mindful that my son is now over 18 years

Have you seen the outcome you were hoping for?

Yes, I am assured that in the event of my death my son's interest in my pension would be simpler to administer

What could they have done better?

Richard dealt with the matter extremely efficiently and was mindful of certain time constraints arising from my personal circumstances

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

My family have traditionally used a Financial Adviser

How has Richard Gross helped you?

Richard offers good suggestions in a polite and helpful manner

Have you seen the outcome you were hoping for?

Not entirely, but this is due to market conditions

What could they have done better?

I am happy with the service as offered

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

My late husband had always had an advisor,who retired and introduced me to Richard as his successor.

How has Richard Gross helped you?

By managing my portfolio,with yearly reviews,and phone and internet access at any time.

Have you seen the outcome you were hoping for?

Yes. I chose to have a low risk investment policy for growth ,to enhance my existing 2 pensions.

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

As Attorney for my elderly father, I accompanied him to a meeting with Richard. My father wanted advice on his portfolio, which up to then he had managed himself; inheritance tax; and - knowing he was about to move into a care home - long term funding for care fees.

How has Richard Gross helped you?

My father is extremely risk averse and was feeling physically and financially vulnerable. Despite a lifetime managing corporate finance, his thought processes had slowed considerably. Richard talked through all the issues and options with him, showing great patience, kindness and understanding. He demonstrated, by plotting different 'worst case' scenarios, that my father's portfolio was healthy and would sustain his lifestyle long term in the care home he'd chosen. Aside from suggesting minor amendments he reassured my father that his investments were already well balanced against his risk appetite; and he showed great integrity by not pushing in any way for my father to invest in new vehicles that would have brought commission to Richard or his firm. He also suggested various helpful ways my father could save on IHT if he chose.

Have you seen the outcome you were hoping for?

Yes. My father was greatly reassured and concluded that, with my help, he could continue to run his portfolio himself, making the tweaks Richard had suggested. He decided against most of Richard's IHT recommendations, but was immensely grateful for the clear way in which Richard had explained the options.

What could they have done better?

Nothing. He was a model of how a financial adviser should operate and I have no hesitation in recommending him.

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

Returning to Great Britain after a long stay abroad.

How has Richard Gross helped you?

Advised me on investments.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No suggestions

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

Pension planning.

How has Richard Gross helped you?

Put together a suitable portfolio and has reviewed it regularly since inception.

Have you seen the outcome you were hoping for?

Yes.

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

I felt it was time to review the pensions I had in place.

How has Richard Gross helped you?

Richard explained the relevance of the individual pensions I had in place and helped me to understand the individual circumstances of each of them.

Have you seen the outcome you were hoping for?

Yes, I was very happy with the way Richard explained things to me.

What could they have done better?

Richard was extremely helpful and left me with no unanswered questions.

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

I had a small amount of money and decided to have advice on investment.

How has Richard Gross helped you?

Expert advice, and I was able to use the profits for short holidays.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I was completely satisfied with all the advice I was given.

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

Required impartial advice to ensure long term growth of investments.

How has Richard Gross helped you?

Has maintained steady growth even under less than ideal conditions over the last few years. Also provided good advice re. will and LPA's.

Have you seen the outcome you were hoping for?

Yes. More growth is always required but probably could only be achieved with greater risk! That's my choice.

What could they have done better?

For someone in the financial world it all looks simple, but it's not the case for me. Therefore simplified summaries of what's going on and what should be done would be nice.

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

Richard helped advise on my pensions, as well as investments that I am a trustee for.

How has Richard Gross helped you?

Richard advised on pensions options, as well as advising on new investments for trusts, and balancing portfolios.

Have you seen the outcome you were hoping for?

Great communications, and recommendations were clear and precise. Neww investments to balance portfolios for trusts were just what was required.

What could they have done better?

Nothing that I can think of.

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

As co-attorney for my aunt we needed to find a suitable financial product to ensure the proceeds sale of my aunts house were sufficient meet the cost of long term residential care for my aunt.

How has Richard Gross helped you?

During the initial meetings Richard asked all the relevant questions to establish my Aunts needs & to fully understand her current situation & her future needs. From these meetings it was agreed that Richard should prepare a report to fully explain the options available in the market & to make recommendations. On delivery the report was clear & concise enabling us to make the appropriate decisions. Once we had made our decision Richard fully facilitated all aspects of the transaction to completion.

Have you seen the outcome you were hoping for?

Yes we are content that the objectives are fully met & my Aunt has a secure future.

What could they have done better?

I was impressed that Richard went the extra mile to keep us updated on progress & resolving issues as they arose.

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

As we were approaching retirement my husband and I needed to make sure our finances were in good shape.

How has Richard Gross helped you?

Richard was extremely helpful and straightforward in his approach He looked at our private pensions and advised as to the best way of maximising our funds for a comfortable retirement.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing really. We both were extremely pleased with Richards advice

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

I felt it was time to review the pension schemes which I had in place.

How has Richard Gross helped you?

Richard explained the relevance of the individual pension schemes I had in place and helped me to understand the individual circumstances of each of them.

Have you seen the outcome you were hoping for?

Yes, I was very happy with the way Richard explained things to me.

What could they have done better?

Richard was extremely helpful and left me with no unanswered questions.