Michael Macadam

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

Money to invest

How has Michael Macadam helped you?

By investing wisely

Have you seen the outcome you were hoping for?

Long term yes

What could they have done better?

I hope they have performed to the best of their ability

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

Have limited financial knowledge

How has Michael Macadam helped you?

He has assisted and advised in all aspects of finance

Have you seen the outcome you were hoping for?

Generally speaking - yes

What could they have done better?

There have been a number of risks to the financial market over which he has no control so he has done as well as he could under the circumstances

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

Wanted to consolidate many separate pensions and review my savings to ensure maximum returns.

How has Michael Macadam helped you?

Consolidated various pensions in to one maximising efficiency and he gives ongoing advice on savings taking in to account my attitude to risk.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really. I am very happy with the service I receive from Michael and any other staff at McCreas that I deal with.

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

My aim was to retire before I reached 50 and so wanted to ensure I was in a financially secure position.

How has Michael Macadam helped you?

McCreas consolidated my pensions and then invested my pension, investments and ISA’s to ensure a decent rate of return.

Have you seen the outcome you were hoping for?

Yes, the first few years after Covid were rough but now am seeing the results I expected.

What could they have done better?

Now that the CGT allowances are so low, going forward I would like proactive information regarding capital gains, to ensure no surprises with regards to tax bills.

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

Planning for retirement

How has Michael Macadam helped you?

Helped understand performance of my investment

Have you seen the outcome you were hoping for?

Yes

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

I was looking to review our retirement options and improve upon my investment returns.

How has Michael Macadam helped you?

Michael has help us decide on the best portfolios for our investments and how to access our savings in the most tax efficient way.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The communication on growth and fees was unclear in the past but following discussions with Michael this has improved.

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

Guidance from an expert

How has Michael Macadam helped you?

Review meetings are well planned

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?

Just retired, unsure how best to invest.

How has Michael Macadam helped you?

Easy to talk to, sincere.

Have you seen the outcome you were hoping for?

Yes

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

Ongoing advice

How has Michael Macadam helped you?

Recommending investment strategies

Have you seen the outcome you were hoping for?

Hopefully

What could they have done better?

Nothing

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

I’ve been with McCrea finances for over 20 years, and have found it to be a valuable and professional company

How has Michael Macadam helped you?

He has helped by listening and understanding the specific aspects ofmy personal life and has given clear and accurate guidance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I’m not qualified to answer that , but on a personal level I don’t think so

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

As being previously self employed I have sought advice from McCrea's for many years.

How has Michael Macadam helped you?

General Financial and Pension advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Nearing retirement and looking for financial advice re mortage and pensions.

How has Michael Macadam helped you?

We now have a plan going forward that we have been working to.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

All good.

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

Nearing retirement

How has Michael Macadam helped you?

Michael helped me sort out my financial affairs. This included pensions for retirement planning, life insurance, and dealing with potential inheritance issues for my family.

Have you seen the outcome you were hoping for?

Yes, I feel my affairs are much more in order now.

What could they have done better?

I can't think of anything he could have done better.

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

To sort out various pensions.

How has Michael Macadam helped you?

With helpful and friendly advice on my investments and planning for the future.

Have you seen the outcome you were hoping for?

Yes.

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

Arranged by my husband's employer

How has Michael Macadam helped you?

with good advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

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

Mainly because of inheritance from parents

How has Michael Macadam helped you?

Provided friendly NHS straightforward advice

Have you seen the outcome you were hoping for?

Yes,

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

Had some capital to invest on retiring.

How has Michael Macadam helped you?

Provided advice and ongoing management of my assets

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Hard to assess.

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

Had recently taken redundancy and was looking for advice on how to manage my Defined Contributions pension.

How has Michael Macadam helped you?

After speaking for Michael I was confident enough to take the decision to retire early. Michael mapped out a process that would take me up to state pension age, which was 9 years away for me. Michael provided at least a couple of good ideas which I wouldn't have thought of.

Have you seen the outcome you were hoping for?

Yes, happy with how things have gone to date.

What could they have done better?

Nothing I can think of. Happy with all our dealings to date.