Katharine Ross

Please provide a brief comment about your experience with Katharine

Katharine has been absolutely fantastic

Please provide a brief comment about your experience with Katharine

I have found Katharine to be clear and knowledgeable. She has taken care to understand my position and wishes. I have great confidence in her and anticipate positive outcomes,

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

Setting up company pension schemes and advice on personal finances

How has Katharine Ross helped you?

Katherine and her team have helped us with personal long term financial planning, mortgage, pensions and insurance questions and administration. They have also helped set up our company pension scheme.

Have you seen the outcome you were hoping for?

Yes

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

Advice on savings, pensions, insurance and mortgage repayment, following inheritance

How has Katharine Ross helped you?

Katharine has helped us so much, we cannot thank her enough. We are so much more positive regarding our financial future.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Everything was brilliant, cannot not think of anything could have done better.

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

I had a number of pensions from different employments. I was aware I needed to consolidate and make my money best work for me. I simply didn't know where to start.

How has Katharine Ross helped you?

Katharine listened to what I wanted to achieve, talked me through the options in a way that made them accessible and made sure I understood the opportunities open to me.

Have you seen the outcome you were hoping for?

Katharine has given me the confidence to feel that I am on track for my retirement and that my money is working for me and my family.

What could they have done better?

I highly recommend speaking to the team at Smith and Wardle - everyone needs a Katharine in their corner when it comes to finances.

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

After I retired , my Works Pension and Old Age Pension were coming in. However I had also two separate 'small pension pots' both with the same pension company. I wanted to combine these and withdraw' lump sums' over time. With the assistance of Katharine and her team I was able to withdraw cash over three years at a level which ensured my tax remained within the normal 20% band. They have kept a close eye on the process throughout .

How has Katharine Ross helped you?

Katharine has been instrumental in bringing this process to a very satisfactory conclusion , my final 'lump sum' application has been approved by the pension company.

Have you seen the outcome you were hoping for?

I'm pleased to say that everything has worked out as we had planned.

What could they have done better?

I can not fault the team at Smith & Wardle, It has been a pleasure dealing with them. I thank them for the care and curtesy extended to my wife and I during our years as clients .

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

At retirement, I wanted to know how best to draw from my pensions and investments

How has Katharine Ross helped you?

Sanity checked my thoughts, asked lots of relevant questions, then produced a plan of actions for me to take.

Have you seen the outcome you were hoping for?

Yes, and more

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

Change in lifestyle and shift towards asset building

How has Katharine Ross helped you?

Katherine really listened to my needs and limitations and then came up with some clear ideas on what I could do immediately to start making things work better for me.

Have you seen the outcome you were hoping for?

absolutely

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

Trying to get my finances into order

How has Katharine Ross helped you?

Greatly

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Nothing

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

I was in a group pension scheme with limited options regarding the fund if anything happened to me.

How has Katharine Ross helped you?

Really pleasant and personable to deal with, is interested in best financial outcome for me and trying to keep ongoing charges as low as possible so least impact to fund growth.

Have you seen the outcome you were hoping for?

Yes, pension fund has grown nicely so I am secure in my future financially plus I know the full fund will now pass to my son if the worst were to happen.

What could they have done better?

I'm happy with service

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

Approaching retirement, we felt the need to get professional advice, which gave us the confidence that we were making the right choices.

How has Katharine Ross helped you?

Katherine has given us lots of advice, which in turn has made us feel even more confident that our retirement is in safe hands.

Have you seen the outcome you were hoping for?

Yes, the investment market can be volatile, but we feel that we are on track currently.

What could they have done better?

For us, nothing, we are very happy.

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

Mortgage advice and savings

How has Katharine Ross helped you?

Katharine has helped me to understand my options and opened up possibilities I wasn't aware of. She took the time to get to know me and my priorities and as a result I feel I have a personalised plan that works for me

Have you seen the outcome you were hoping for?

Yes and exceeded it

What could they have done better?

Nothing, everything was great

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

Retirement planning, pension advice and investments

How has Katharine Ross helped you?

Katherine has helped us by advising with retirement planning, savings and investments.

Have you seen the outcome you were hoping for?

Too early to say, although happy with advice we've received so far.

What could they have done better?

Nothing

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

I was approaching the age when I could choose to start drawing a company defined-benefit pension scheme and wanted to make an informed decision about whether it made sense to take an initial tax-free lump sum, taking into consideration other savings, investments and pensions that I and my wife have. I also wanted to have someone to have a look at our overall fiancial position icnluding IHT planning and what we should be doing now for our children.

How has Katharine Ross helped you?

Yes. We have taken decisions based on her advice, and she made us aware of things we previously did not know.

Have you seen the outcome you were hoping for?

Yes. We have taken decisions on our pensions/incestments based on the recommendations received.

What could they have done better?

Can't think of anything specific.

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

Looking for options to release pension built up and advise regarding savings and inheritance.

How has Katharine Ross helped you?

Given concise information to my situation. Questions and concerns dealt with in a professional manner.

Have you seen the outcome you were hoping for?

At present is still very early but to date I’m happy with how the advice given and recommendations are on plan.

What could they have done better?

Nothing, Katharine always responded in a timely manner with relevant answers to any questions or concerns.

Please provide a brief comment about your experience with Katharine

Katharine has looked after me in a charming and professional manner. I am very happy to have her as my adviser.

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

My wife and I needed advice regarding our pensions plus we had an investment that we needed help in managing

How has Katharine Ross helped you?

Katharine has provided excellent advice to us and her explanations are always clear and concise

Have you seen the outcome you were hoping for?

We are currently very happy with the advice we have been given. Our pensions and investment are being managed very well and we are very pleased with the advice we have been given

What could they have done better?

We are very happy with the advice provided and don't think anything could currently been done better

Please provide a brief comment about your experience with Katharine

Brilliant service, Katherine gave me such well considered and insightful advice. I'll continue to use this service.

Please provide a brief comment about your experience with Katharine

Katharine provided a friendly and professional service, taking time to give clear explanations to our questions. She is very easy to talk to and gave some useful, practical suggestions tailored to our needs. Her support also extended to the younger members of our family, who also gained some excellent experience and knowledge along the way.