James Todd

Please provide a brief comment about your experience with James

I have met with James on a couple of occasions now plus a 45 mi phone call. I am happy with the advice that he has given me and also with the in depth work that he invested in preparing a personalised pension/retirement report.

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

Inheritance

How has James Todd helped you?

James gave clear advice which he very patiently explained on several occasions. He is approachable and understanding. He took time to understand my needs and to answer my questions. I feel he provided advice which was very suitable to my circumstances, and I feel confident that he will continue to provide advice .

Have you seen the outcome you were hoping for?

It is too soon to say how the investments will perform. However I do feel confident that James has helped me to understand what to expect given the choices I have made, and he clearly outlined the implications of different options.

What could they have done better?

n/a

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

How has James Todd helped you since your last review?

He is always available to offer advice over the phone especially given the new budget changes. Asked for advice and future savings for kids

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

How has James Todd helped you since your last review?

James has continued to advise on my pension.We recently decided to change some details and he continues to monitor my portfolio so we can achieve the best results. He also sends me regular updates and is always available if I have any questions.

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

How has James Todd helped you since your last review?

Annual pension review. Pension has been performing well, and some good advice was given in the most recent meeting.

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

How has James Todd helped you since your last review?

Always looking at my financial situation to make sure I'm get the best advice and service.

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

How has James Todd helped you since your last review?

James was able to advise on the best solution for investing a substantial sum.

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

I had 3 pensions & was unsure what to do

How has James Todd helped you?

James spoke to me in an easy to understand manner,pointed out my options and helped me through several options & we both came to a suitable conclusion

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I have been through the relevant details since & I don’t think it could have been done any better

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

Seeking better advice on pension planning

How has James Todd helped you?

James is professional, clear, and friendly. James has looked at my individual circumstances and advised a bespoke plan which fits my needs.

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?

We always have a yearly review with James and he always provide clear and concise advise

How has James Todd helped you?

Satified our minds that our current contributions will suffice our needs for the coming year

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?

Inherited James along with savings managed by him from my Kate father

How has James Todd helped you?

Most recently by advising on how best to invest a large lump sum.

Have you seen the outcome you were hoping for?

Yes. I believe the money is now best placed to provide the results we hope to achieve.

What could they have done better?

Nothing. James has been very helpful, communicative and understanding of our needs and expectations. He walked us through the “mechanics” of setting up accounts and transferring the funds.

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

Needed advice on investing lump sum.

How has James Todd helped you?

Guided through various options available so could reach right decision for us.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Extremely satisfied with time, effort, professionalism and care received.

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

I had three separate company pensions that I was able to start drawing on, but was at a loss as to the best way to use them.

How has James Todd helped you?

James has gone through each of the options available with each of the pensions & found a better way to make the funds available as an income whilst maintaining the invested value.

Have you seen the outcome you were hoping for?

Yes

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

How has James Todd helped you since your last review?

Pensions, ISA’s, financial planning.

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

How has James Todd helped you since your last review?

Keeps us up to date with things as we go.

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

How has James Todd helped you since your last review?

Keeping me upto date with any changes.

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

How has James Todd helped you since your last review?

James continues to provide to us with excellent advice which allows us to make informed decisions about our investments within the framework of our risk profiles. He has been proactive in reviewing our investments suggesting changes to enable us to maximize our assets.

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

How has James Todd helped you since your last review?

Always happy to help and answer any questions that we have to ask with great knowledge and a simple to understand explanation.

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

I needed advice on my pension

How has James Todd helped you?

James is extremely knowledable, he researched my current pension as well as alternatives, and was able to clearly articulate the options to me.

Have you seen the outcome you were hoping for?

I have

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

How has James Todd helped you since your last review?

James has always been attentive to our personal needs and keeps us informed of any potential issues/investments that may need moving/re investing. He’s always available on the phone ( if unavailable he calls back as soon as possible).

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

How has James Todd helped you since your last review?

Pension advice

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

How has James Todd helped you since your last review?

He continues to advise me on my drawdown options. He also sends regular updates on financial issues which I find reassuring.

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

Coming up to retirement needed help to plan my retirement pensions

How has James Todd helped you?

With good knowledge and advice with how to plan my retirement.

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 to consider what to do with a lump sum to ensure my longer term income

How has James Todd helped you?

He advised me on the most effective investments to achieve a good, but not too risky a strategy for my pensions

Have you seen the outcome you were hoping for?

Yes, it’s not been intended to be a quick fix and so far things are going as planned

What could they have done better?

I’m very confident that the planned approach is working and James has proved extremely capable, so I’m confident going forward the income anticipated will be forthcoming

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

I inherited an already existing investment portfolio.

How has James Todd helped you?

He’s always given clear advice and explained everything in detail.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

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

How has James Todd helped you since your last review?

Ongoing help is available if I need it, so far I don't

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

How has James Todd helped you since your last review?

He has advised us regarding pensions, pension transfer, and ISA’s.

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

Time of life

How has James Todd helped you?

Moved my pension and isa

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?

Wanting to invest and not knowing what to invest in and how to deal with the transaction

How has James Todd helped you?

He fully explained types of investment along with examples of growth and also the level of risk. Any fees were fully explained. I was then confidently able to make a decision on how to invest.

Have you seen the outcome you were hoping for?

Absolutely. Investments were made and the process of investing was an easy transaction and I was informed of progress every step of the way.

What could they have done better?

I can’t think of anything he could have done better. Excellent adviser.

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

I was looking for a suitable pension, in order to reduce my exposure to higher level tax.

How has James Todd helped you?

James provided good all round advise to my wife and I, in terms of both pension and investments.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Nothing, James was helpful and efficient throughout the process.

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

Wanting to do more with my money

How has James Todd helped you?

He's helped by giving advice and different approaches and helped to decide where I want to go and what I want to do with my money

Have you seen the outcome you were hoping for?

Not yet as it's only just been set up

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

I wanted to review my finances overall.

How has James Todd helped you?

He has looked in detail at my finances and circumstances and advised me on how best to invest for the future.

Have you seen the outcome you were hoping for?

Early days but I feel confident with the advice and support James has given me.

What could they have done better?

Nothing. More of the same. Very reassuring,

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

I had a selection of pensions from around 6 previous companies. I wanted to pull them together so I could monitor them more easily and hopefully increase their rate of growth.

How has James Todd helped you?

Very professional and patiently explained the process.

Have you seen the outcome you were hoping for?

Yes - with regards to pulling them together. As for growth its too soon to say as the past 12 months have seen the markets take a hit thanks to the effects of Ukraine etc

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?

Last adviser stopped trading.

How has James Todd helped you?

Pension advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

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

How has James Todd helped you since your last review?

James has again been very knowledgeable in these trying times of the last few covid years. We have had very interesting discussions re the economy in these difficult investment times. James has always been available to discuss and advise on any issues. We value his advice and input.

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

recommended by a friend

How has James Todd helped you?

listened to us and set up appropriate investments

Have you seen the outcome you were hoping for?

too early

What could they have done better?

less paperwork from Quiller!

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

Slightly worried that we should have set up a pension by now

How has James Todd helped you?

James very clearly explained the options and what they meant and provided us with a range of options

Have you seen the outcome you were hoping for?

Yes, our pension is now nearly set up.

What could they have done better?

Unsure

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

My business partner and I wanted to start a pension scheme

How has James Todd helped you?

James has provided a good quality, friendly service. We have discussed both pensions, and business life insurance with James. Everything has been explained clearly during the process, and he has been proactive in keeping in touch throughout the process which I really appreciated.

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with James

James recently helped me with my pension. I found him to be very professional and efficient and he took time to patiently explain my options. I would have no hesitation recommending him to friends.

Please provide a brief comment about your experience with James

Knowledgeable and professional advisor. Courteous and paid full attention to details.

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

I had some money from a house sale which was not working effectively and wanted to get sone advice on how to invest it more effectively

How has James Todd helped you?

He’s explained the best course of action for all my investments and I feel positive about the future

Have you seen the outcome you were hoping for?

It’s early days at the moment but I’m not anticipating a quick win as am planning for a longer term return

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

We had numerous pensions from different providers both personnel and through employment in the past but wanted to consolidate them all into one provider and James delivered.

How has James Todd helped you?

Consolidated all our pensions into one

Have you seen the outcome you were hoping for?

Yes more than satisfied with the outcome

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

Pension pot

How has James Todd helped you?

James gave me advice on how best to get access to my small pension pot.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I am very satisfied with the advice I have been given.

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

Company Pension.

How has James Todd helped you?

James listened to my requirements and what outcome I was looking for. He explained my options for the different pensions and was very knowledgeable. James gave me great confidence in the pension product I have chosen and was very prompt with the set-up. He explained all the set-up documents in detail which was very helpful as there were many to fill in due to the FCA requirements.

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 advice and retirement planning

How has James Todd helped you?

Move my pension and ISA to suit

Have you seen the outcome you were hoping for?

Early days

What could they have done better?

Very happy with everything

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

Future / Tax reduction.

How has James Todd helped you?

James has been a great virtue with great advice, he’s been transparent and honest throughout and always kept in touch where needed. He’s clear on the advice he gives and explains everything thoroughly. I would definitely recommend James to anyone looking to take out a pension.

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?

Pension minefield, money was not invested and I hadn’t had dealings with stocks and shares before.

How has James Todd helped you?

He advised on the best course of action and took the weight off my shoulders.

Have you seen the outcome you were hoping for?

Only just invested the money, only time will tell but I was given sound advice.

What could they have done better?

Nothing, James was great. Set up visits to suit our needs.

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

Our old financial advisor retired. James has made me and my business partner feel important from day one and gave us the service i don`t think we was getting as a business previously. He has constantly kept us informed with emails/ posts/ phone calls and everything has been handled quickly and efficiently.

How has James Todd helped you?

He has transferred my savings/ Isa`s and pensions from an alternative copy to new investments.

Have you seen the outcome you were hoping for?

Early days yet to comment

What could they have done better?

Nothing

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

Conducting a drawdown from my pension fund.

How has James Todd helped you?

James took great care to establish mr requirements and attitude to risk before making a recommendation to suit my needs.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can think of nothing James could have done better.

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

Due to personal circumstances my pension plans changed.

How has James Todd helped you?

After explaining the problem I had James gave me the advice I needed and setup a pension plan to suit our needs.

Have you seen the outcome you were hoping for?

Yes our future plans look ok , and with James ongoing advice and knowledge my pension plans are settling down .

What could they have done better?

No all the pension advice was given and explained in full..

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

I required financial advise regarding my pension.

How has James Todd helped you?

He helped to transfer my pensions into one pot and gave me advice on how to invest for the future.

Have you seen the outcome you were hoping for?

I have had some excellent advice and am very happy with the outcome.

What could they have done better?

Nothing. They kept me up to date at every stage of the process and promptly answered any questions I asked.

Please provide a brief comment about your experience with James

James was excellent at explaining options available and advising on pensions. Everything was arranged and transfers made without a problem. A great service.

Please provide a brief comment about your experience with James

First class service and advice. James Todd was recommended to me through a business advisor and enabled me to fully understand the options available and an understanding of what the ongoing solutions are for future investment. Highly Recommended !

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

Accountants advice

How has James Todd helped you?

Understanding how pensions work

Have you seen the outcome you were hoping for?

Yes

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

Someone who knows what they’re doing who will manage our affairs to our maximum advantage.

How has James Todd helped you?

We have recently moved to James. He has so far organised things carefully and methodically, explaining each step carefully, helping us to make clear decisions.

Have you seen the outcome you were hoping for?

Too early to say but it looks promising.

What could they have done better?

So far there is nothing that could have been done better.

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

my wife and myself were approaching retirement age and required advice

How has James Todd helped you?

my previous advisor sadly passed away , so James and colleague John contacted us to see if they could help as they were taking over his client base. As James lived local we had several meetings to discuss our needs which had not been completed with our previous advisor. The advice given was excellent and complemented our previous advice as both were with old mutual,

Have you seen the outcome you were hoping for?

Investments have done well even in these trying times

What could they have done better?

nothing

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

My previous advisor of many years sadly passed away. James was recommended to take over his clients.

How has James Todd helped you?

James took over managing and reviewing my pension and financial planning.

Have you seen the outcome you were hoping for?

Yes I am very satisfied with James help and advice.

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

My previous adviser stopped trading.

How has James Todd helped you?

Provided professional and thorough advise about my pension.

Have you seen the outcome you were hoping for?

Yes, the advise has been excellent.

What could they have done better?

Nothing.

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

I retired early in 2014 with access to a final salary pension from my previous employer and a pension 'pot' of retirement savings in my then employers pension scheme. We wanted to understand what options were available to make sure that our capital was not only protected but increased over time to supplement our income. Our previous financial adviser died suddenly and James offered his services to support us during the transition period, and beyond, to ensure that our plan was still suitable for us and that outcomes remained on track. A full review of our financial plans is held on a yearly basis.

How has James Todd helped you?

James conducted our yearly review on the telephone this due to the restrictions in place because of the COVID - 19 pandemic. He was well prepared ensuring that the required documentation was sent to us in time to digest it prior to the call. James has taken over our portfolio following the sudden death of our previous adviser. He is the consumate professional, quickly building a rapport with us and familiarisation of our initial requirements (financial goals, attitude to risk etc) thus ensuring a meaningful review. We discussed the changing financial landscape, as a result of global pandemic, accepting that markets would continue to be volatile until the current situation improves. James is an excellent ambassador for his organisation.

Have you seen the outcome you were hoping for?

The Global pandemic has clearly deeply affected all sectors, including financial services, with the result that our investments have not performed as well as they did pre-pandemic. We accept this given the instability created as a direct consequence of the pandemic. We also understand the volitility/sensitivity of markets and the resultant effect on investments.

What could they have done better?

We don't believe that anything could have been done to improve the outcomes over this last year. We are convinced that our financial plan is still suitable for us and will provide the yield we were used to, pre-pandemic, when the markets recover. We accept the volitility of the markets and are sure that our financial plan continues to match our requirements and reflects our attitude to financial risk.

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

My financial adviser at the time (18 months ago) passed away.

How has James Todd helped you?

At the request of my previous advisers wife James took over his existing clients who wished him to do so.

Have you seen the outcome you were hoping for?

I have been very satisfied with the sevice James has provided.

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

I had received an inheritance from my father and I needed professional advice.

How has James Todd helped you?

He helped me decide on the level of risk I was willing to take and therefore the most suitable fund provider.

Have you seen the outcome you were hoping for?

Although it’s been a very tricky year because of the pandemic, my investments have recovered well.

What could they have done better?

I can’t think of anything.