Dean McSloy

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

Money left to us as an inheritance, and also withdrawing a pension from employer scheme.

How has Dean McSloy helped you?

I was looking to move my work pension from my employer as other colleagues were doing this at the time. We also had money left to us from an inheritance. He gave us advice on both of these areas.

Have you seen the outcome you were hoping for?

Yes definitely, both of soon and incentives are doing well.

What could they have done better?

I have had to chase on a couple of occasions, but other than this I can’t think of anything!

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

Pension Planning

How has Dean McSloy helped you?

Understanding my needs and making recommendations to match this. Being able to drawdown at 55yrs and have a work life balance is amazing but only for Dean, he made it happen for me.

Have you seen the outcome you were hoping for?

Absolutely !

What could they have done better?

Nothing at all.

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

Heading towards retirement & wanting reliable advice

How has Dean McSloy helped you?

By contrasting the numerous & varied options for retirement investment, income & drawdown.

Have you seen the outcome you were hoping for?

Yes except for global downturn

What could they have done better?

Nothing

Please provide a brief comment about your experience with Dean

Clear information given and no pressure for future business.

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

Pensioin planning, consolidating pensions and trying to figure out if we had enough to retire on.

How has Dean McSloy helped you?

Has done all of the above, been very patient with us in explaining details in plain English, and helped navigate our way through tough decisions re final salary pension plans

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure there is anything else he could have done

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

Retirement

How has Dean McSloy helped you?

Dean has provided good - constuctive advice. Guiding us to make the correct financial decisions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I cannot fault Dean's approach and guidance.

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

I was looking to transfer my occupational pension pot into a SIPP

How has Dean McSloy helped you?

Dean provided the financial analysis and advice that helped me make a decision to transfer to a SIPP. He then made all the arrangements to transfer and has since managed the portfolio.

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?

looking for a sipp

How has Dean McSloy helped you?

set up sipp, handled transfer out of old pension

Have you seen the outcome you were hoping for?

yes, net 7% growth this year

What could they have done better?

nothing

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

Financial Planning

How has Dean McSloy helped you?

Consolidated all my pensions and provided financial projections that will determine when I can retire

Have you seen the outcome you were hoping for?

Yes, very much

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 look at moving my pension and needed advice as I wanted to buy a park home and had to take out over 25 per cent of my pension

How has Dean McSloy helped you?

He listened and gave me advice to make the right decision for me to buy my home. Dean is very professional but nothing is too much trouble. He is very easy to talk to and to do business with.

Have you seen the outcome you were hoping for?

Yes without a doubt. I have no qualms about trusting Dean to manage my pension monies. I am kept up to date with my annual review and answers any questions I have throughout the year.

What could they have done better?

Nothing

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

Several years ago I was looking to take early retirement which involved a review and restructure of my various pensions

How has Dean McSloy helped you?

He was able to provide me with a set of recommendations that enabled me to achieve my objective in a considered and professional manner.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing, all god

Please provide a brief comment about your experience with Dean

Dean was so helpful, courteous, extremely knowledgeable we wish we had known him years ago

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

Retirement

How has Dean McSloy helped you?

Excellent advice, everything explained clearly.

Have you seen the outcome you were hoping for?

Yes most definitely.

What could they have done better?

Nothing

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

Retirement

How has Dean McSloy helped you?

Good financial advice and 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?

Pension planning and pension transfer for my early retirement.

How has Dean McSloy helped you?

He is very patient and thorough with the advice he is giving. Taking time to understand me and my circumstances in order to give best advice.

Have you seen the outcome you were hoping for?

Yes

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

To discuss the possibility of transferring my pension from a Final Salary scheme as I had finished with that employee.

How has Dean McSloy helped you?

He fully reviewed my circumstances and in view of my needs discussed a way forward which protected my wife and family which was key in my requirements

Have you seen the outcome you were hoping for?

Yes, and have had regular meetings to review as my circumstances changed

What could they have done better?

Nothing that I am aware of

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

Best use of numerous work pensions for both my wife & I

How has Dean McSloy helped you?

Pensions successfully transferred to Private Office and managed well ever since

Have you seen the outcome you were hoping for?

Yes, very pleased

What could they have done better?

Process was drawn out but largely all out of Dean's control

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

For advice on my pension

How has Dean McSloy helped you?

Excellent service, very professional and informative. I woukd higgly recommend Dean.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all

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

I wanted sound advice on where to invest our money such that it would grow with minimum risk.

How has Dean McSloy helped you?

Over the many years we have been with Dean we have had sound advice on pensions and investments. As our knowledge increased via Dean we have gradually raised our risk level. We are very confident of Dean's ability and expansive knowledge of the financial world

Have you seen the outcome you were hoping for?

Indeed yes. Our capital has increased year on year and our knowledge of the financial world has grown through our association with Dean

What could they have done better?

Very happy with advice.

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

Transfer my work pension to somewhere I had more control of where the money is invested.

How has Dean McSloy helped you?

Forecasting model to look at different scenarios of spend and compare this to the investments. This helped me determine that I was able to retire early (60).

Have you seen the outcome you were hoping for?

Yes, the end result I retired at 60 knowing I could afford to do so.

What could they have done better?

I’m struggling to think of anything.

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

I was approaching retirement and needed advice on the value of my various pension pots and how best to manage them going forward.

How has Dean McSloy helped you?

Dean has provided clear, sound recommendations which have given me peace of mind about my financial circumstances in retirement.

Have you seen the outcome you were hoping for?

I am very satisfied with the the outcome.

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

Transfer pension

How has Dean McSloy helped you?

Always responsive professional and explains things in a manner I can u sweats s.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Nothing

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

I wanted independent advice and fund management

How has Dean McSloy helped you?

Dean has provided clear financial forecasts, clear recommendations on how we (my wife and I) best fund our retirement, helped to arrange transfers to a SIPP and given advice on inheritance tax planning. Communication has been excellent throughout with no pressure applied to make hasty decisions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing cones to mind.

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

When I retired from work I was looking for financial advice on my Pension arrangements

How has Dean McSloy helped you?

Dean has laid out a plan for my investments during retirement and I have been following them with moderate success over the last 6 years

Have you seen the outcome you were hoping for?

Given the world economy over the last 4 years (pandemic / war) the outcome has not been as successful as I was hoping before these events. However now that some stability is returning to the financial markets things are improving.

What could they have done better?

I am not sure any better investments could have been achieved during these difficult times. What I would add is that Dean has always taken the time to explain the financial markets and set expectations over this period.

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

Yearly financial health check

How has Dean McSloy helped you?

He explained our options for the future regarding retirement, pensions and income.

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?

Pension planning

How has Dean McSloy helped you?

Provided sound advice and recommendations

Have you seen the outcome you were hoping for?

Generally yes although the market plays a key factor on possible performance

What could they have done better?

Nothing other than having a better crystal ball!

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

Performance of our investment as we observed that the cost of management exceeded income during this period

How has Dean McSloy helped you?

Dean said that it is normal to get fluctuations with investment but overall performance showed some growth

Have you seen the outcome you were hoping for?

Dean’s explanation was plausible but with such low risk investment we were not expecting negative returns

What could they have done better?

I don’t know

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

Required someone to manage our pension pot after retirement

How has Dean McSloy helped you?

Dean has been through in advising the best use of our money.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am not sure completely satisfied

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

With more than one pension I was looking for someone to advise me as to the benefits, or otherwise, of transferring pension funds and generating the best pension income for me.

How has Dean McSloy helped you?

Dean helped me to get the best understanding of the options available to me and to help me make the best decision as to the way forward that would meet my needs

Have you seen the outcome you were hoping for?

Yes, without a doubt. We are now set up with good income streams that meet our needs.

What could they have done better?

Nothing really. Dean was always on hand and available and set things out in a very clear and concise manner, he has been more than helpful and entirely professional.

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

Annual review

How has Dean McSloy helped you?

Advised on changing one of my funds

Have you seen the outcome you were hoping for?

Yes

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

Needed to plan for the future

How has Dean McSloy helped you?

Investment advice and future planning

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Dean has provided the service that exactly matched what we required

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

To take control of my own pension and establishing a SIPP

How has Dean McSloy helped you?

Whilst I had some knowledge in this area and a broad idea of what I wanted to do Dean and TPO have presented and explained the options open to me and ultimately executed the agreed plan

Have you seen the outcome you were hoping for?

The results have exceeded my hopes, I am very pleased with the flexibility this has given me

What could they have done better?

Nothing

Please provide a brief comment about your experience with Dean

Totally professional Dean has restored my faith in the financial sector. I would absolutely recommend Dean .

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

I needed an advisor to help me to transfer out 3 pensions

How has Dean McSloy helped you?

He helped on my Transfer Out pensions

Have you seen the outcome you were hoping for?

YES

What could they have done better?

A loer fee, although I understand that a large portion of the fee is the insurance that TPO needs to take out.

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

Required advice

How has Dean McSloy helped you?

By advising me

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

As I was nearing retirement, I was looking for practical, personal advice in order to consolidate various pension pots under one umbrella to achieve a comfortable living standard.

How has Dean McSloy helped you?

Dean reviewed details of my various pension 'pots' and savings and identified the most suitable options for me, giving me a comfortable 'income'. He managed the end to end process of requesting, transferring and setting up a consolidated portfolio within the TPO platform.

Have you seen the outcome you were hoping for?

It would be fair to say that I think this is the best recommendation I have ever had - my only regret is that I didn't do it sooner. The outcome Dean delivered was more than I thought possible. I am delighted with the end result.

What could they have done better?

There is nothing I would change.

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

Investments

How has Dean McSloy helped you?

With 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?

A lump sum to invest

How has Dean McSloy helped you?

Earning interest on my savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't know that's why i have an adviser

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

To prepare my pension for retirement.

How has Dean McSloy helped you?

He has provided guidance and explanations on how TPO invest my pension and projected future pension incomes.

Have you seen the outcome you were hoping for?

So far, yes.

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

Retirement planning and opportunity to transfer out of my DB scheme

How has Dean McSloy helped you?

Provided the necessary advice and challenge regarding my DB scheme, our joint pension arrangements and setting up my SIPP as well as subsequent discussions regarding investment decisions

Have you seen the outcome you were hoping for?

Yes - we took advantage of a great opportunity and the set up was smooth

What could they have done better?

Nothing springs to mind

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

Age and transfer.

How has Dean McSloy helped you?

Dean has done all our retirement planning.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing. He’s brilliant.

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

I wanted to invest my mother’s inheritance and provide her with a small income.

How has Dean McSloy helped you?

Dean provided us with an excellent solution and has always taken the time to explain the reasons for TPO’s advice in detail.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am not sure how they could have managed the effects of COVID, Brexit, Liz Truss and the Ukraine war any better?

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

With a pension pot to invest and manage, it was essential to get respected and professional advice

How has Dean McSloy helped you?

Dean quickly understood our requirements and suggested strategies to achieve our goals and explained them to us.

Have you seen the outcome you were hoping for?

Yes - our investments have overall done very well

What could they have done better?

This would have necessitated us being more exposed to risk which we were not happy to do

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

To help us consolidate our personal pension plans and plan for the future

How has Dean McSloy helped you?

He has reviewed all our pension plans and consolidated those that should be and recommended retaining those that should be left alone. He has help us set a financial plan and we have just completed our first annual review.

Have you seen the outcome you were hoping for?

Yes. The plans are set up and the review confirmed we are on the right track.

What could they have done better?

Nothing.

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

To pool our funds for ease of access for both us and family (when necessary).

How has Dean McSloy helped you?

When we need advice we contact him. Basically, reassures us.

Have you seen the outcome you were hoping for?

No. Our funds have made very little progress. Disappointing.

What could they have done better?

Even though we’re cautious investors, plus the global political and economic climate has been turbulent, compared with neighbours and family members, we have made minimal gains to date.

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

Early Retirement

How has Dean McSloy helped you?

Dean has been very supportive and understanding of our needs& longer term goals

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?

Desire to control my pension options

How has Dean McSloy helped you?

Professional advice

Have you seen the outcome you were hoping for?

Yes despite the turbulent worldwide economic events since 2019

What could they have done better?

Don't know

Please provide a brief comment about your experience with Dean

Knowledgable, professional, clear on fees. I would definitely use again

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

I reached private pension age and I wanted advice on how to proceed.

How has Dean McSloy helped you?

Provided various options with clear explanations.

Have you seen the outcome you were hoping for?

I am happy with the solutions provided by Dean.

What could they have done better?

Completely satisfied with the service provided by Dean.

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

looking to invest savings

How has Dean McSloy helped you?

he gives easy to understand reviews

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?

Pensions

How has Dean McSloy helped you?

Pensions, investments and planning

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 in my early 50s with several pensions which needed to be brought together and returns maximised.

How has Dean McSloy helped you?

very approachable, very clear, replies to emails or calls swiftly.

Have you seen the outcome you were hoping for?

yes, simpler, a more modern pension scheme and decent returns in a difficult market ( at times ) .

What could they have done better?

i have no complaints.

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

I have been with Dean since his days at Clydesdale Bank-so many years. His advice has always been excellent.

How has Dean McSloy helped you?

He explains pensions clearly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I'm aware of.

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

Advice regarding existing Pensions and to look to be able to retire at 55

How has Dean McSloy helped you?

Establishing my needs and future requirements.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing at all. Dean is at all times professional and ensures my understanding.

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

transferring a defined benefit pension

How has Dean McSloy helped you?

clear process and feedback helped us think differently about our options

Have you seen the outcome you were hoping for?

yes

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

To look at the options available to me with my company pension scheme having left the company

How has Dean McSloy helped you?

Advice, moving my pension scheme, continuous updates, availability, making my money work harder

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing, I am and always have been delighted with everything Dean has done for me

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

I was retiring early because of my health and took my pension early.

How has Dean McSloy helped you?

Solid advice backed up by a keen desire to do the very best for me.

Have you seen the outcome you were hoping for?

Things could be better but in today's environment we are probably doing the best we can.

What could they have done better?

Nothing

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

I required a low risk investment strategy

How has Dean McSloy helped you?

Dean can be relied on to provide knowledgeable advice across the whole spectrum of investment risks and opportunities. A safe pair of hands

Have you seen the outcome you were hoping for?

Yes the investments have made steady consistent returns through a very difficult trading period

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

Financial planning for retirement

How has Dean McSloy helped you?

Helped us with understanding what we need to save for retirement and providing us a plan that we can work to.

Have you seen the outcome you were hoping for?

Progressing on plan - still another 10 years to go for me.

What could they have done better?

Nothing comes to mind.

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

Retirement advice and moving of pensions

How has Dean McSloy helped you?

Excellent service and has moved both my own & wife's pensions to bespoke service

Have you seen the outcome you were hoping for?

Yes all positive. Process was drawn out but this was out of Dean's control

What could they have done better?

All good in my opinion. Always readily available to assist

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

Seeking expert advice regarding transfer of pensions.

How has Dean McSloy helped you?

Dean provides very clear and easy to understand communication on a timely basis. Anytime I have a question he will always respond on a timely basis. I enjoy discussions with Dean.

Have you seen the outcome you were hoping for?

Yes.

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

To transfer a defined benefit pension.

How has Dean McSloy helped you?

My initial advice was regarding the transfer of a defined benefit pension. Unfortunately, not long after I got divorced and Dean helped enormously following this later in life, change. Dean answers all my queries (whenever they are raised) and he keeps me right on tax thresholds etc and virtually everything else I want to know about. Most importantly, he listens and nothing seems to be too much trouble for him to respond to.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

For me personally, nothing. I will be very happy if my service stays at the level it is now.

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

I was approaching retirement and wished to explore options for consolidating my schemes and if appropriate opting monetising my DB scheme

How has Dean McSloy helped you?

By expediting the transfer from the DB scheme after careful analysis for the second time - on the first occasion he did not recommend transfer as the multiple was not sufficiently compelling

Have you seen the outcome you were hoping for?

Yes we have been able to cash my DB scheme at a very good multiple and aggregate that with my DC pot in a SIPP

What could they have done better?

Nothing springs to mind - he understands my concerns and questions and makes himself available if needed. His advice is considered and appropriate to my situation. Actions are taken forward reliably.

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

Early retirement

How has Dean McSloy helped you?

Very clear and helpful advice. Everything was explained thoroughly.

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 had a complicated situation and Dean was very professional and knowledgable.

How has Dean McSloy helped you?

Dean ran through and explained all the scenarios, modules and projections and helped us to put our long term plan into action.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really

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

I needed to move my company pension into a private one

How has Dean McSloy helped you?

Excellent advice, good communication and very supportive and friendly. Also explains things in a way I understand

Have you seen the outcome you were hoping for?

Definitely and more

What could they have done better?

Nothing

Please provide a brief comment about your experience with Dean

Dean is always very friendly & polite, he’s also confident in the advice he gives.

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

Need to take proper advice regarding finances and my pension pot.

How has Dean McSloy helped you?

Gave me sensible and achievable advice based on my circumstances and expectations. Always at the end of the telephone or email if I had questions or was concerned about anything.

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 needed financial advice

How has Dean McSloy helped you?

Good advice based on knowledge and experience.

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

Nothing

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

wished to move from DB to SIPP, to give more flexibility

How has Dean McSloy helped you?

good clear advice, took all aspects of my plans for years between now and retirement into account to plan out my financial future and swithc my pension to help achieve this

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?

Pension Transfer Advice

How has Dean McSloy helped you?

Dean has helped with my Pension Transfer and Investment options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Speed up the Transfer Process

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

I planned to retire in March 2022 and wanted to obtain an independent assessment of whether my and my wife's pension plans and other savings would be sufficient for us to enjoy a comfortable retirement. I also wanted advice on my options at retirement, including whether to consolidate my pension pots into a SIPP to facilitate drawdown. I also wanted to explore the merits of discretionary fund management (rather than a DIY approach) and was also keen for my wife to have an indpendent adviser she trusted to help manage her financial affairs should I pass away.

How has Dean McSloy helped you?

Dean has given us significant comfort about the adequacy of our savings through thorough financial analysis and prudent forecasting. He has helped us to set up SIPPs which provide us with the flexibility we are seeking and also to consolidate some of our other savings.

Have you seen the outcome you were hoping for?

Dean's advice and service have been excellent so far - very clear and carefully considered with a clear emphasis on making sure we understand his recommendations and are comfortable with them. It is still too early to assess whether the benefits of discretionary fund management exceed the costs, although we have no complaints so far.

What could they have done better?

Nothing I can think of at this stage.

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

I received an inheritance I wanted a monthly income from. Dean was recommended to me by my mother a a close friend.

How has Dean McSloy helped you?

Very good advice and always able to answer questions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything he could do better.

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

I was looking to make some investments so tracked Dean down as I knew him from his Barclays days and wanted some advice from someone who I trusted and felt comfortable with

How has Dean McSloy helped you?

He has helped me grow and protect my investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Dean

Dean seems very knowledgeable and experienced with Pensions and Tax law. I look forward to hearing his review and recommendations.

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

Pension planning

How has Dean McSloy helped you?

Good quality advice in transferring my pension into a SIPP

Have you seen the outcome you were hoping for?

Yes