Rory Joseph

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

I need to consolidate a number of personal pension plan into a drawdown pension going forward.

How has Rory Joseph helped you?

He recommended an excellent product which I am very satisfied with. He also made the administrative process of merging all my individual plans seem very simple.

Have you seen the outcome you were hoping for?

Yes. So far the product he found suits my needs very well.

What could they have done better?

Nothing.

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

I had a SIPP but I'd decided that needed some Financial assistance to improve my returns. I mentioned this to a friend who recommended Rory as she had been very happy with him and the services he'd provided for her and her husband for a number of years.

How has Rory Joseph helped you?

I met with Rory at his offices and found him really helpful and easy to deal with. He gave me excellent advice and helped me consolidate my pensions with one provider.

Have you seen the outcome you were hoping for?

The outcome has been excellent and the improvement in the returns on my pension have been above my expectations. I'm now receiving a regular income whilst enjoying continued growth.

What could they have done better?

N/A

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

My ex husband split his pension with me upon divorce

How has Rory Joseph helped you?

He has managed my pension and advised me fully on all questions I had on what is the best way forward in my situation.

Have you seen the outcome you were hoping for?

All outcomes have been positive. He is knowledgeable and efficient.

What could they have done better?

Nothing I can think of so far.

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

Nearing retirement age and with 2 pensions, one private and one company, I decided to seek advice on both areas on the best way forward.

How has Rory Joseph helped you?

Yes, Rory has helped, offering advice on a number of options and really looking at the whole picture on an individual level.

Have you seen the outcome you were hoping for?

Yes, I have seen the outcome I was hoping for, greater clarity and improved investment.

What could they have done better?

Rory was very meticulous in asking questions and referencing available information to enable an informed level of advise, I would say all the boxes were ticked and nothing else could have been improved upon.

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

Multiple pensions

How has Rory Joseph helped you?

Amalgamated them into one

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 felt my pension pot wasn't being looked after properly.

How has Rory Joseph helped you?

By moving my pension to a company delivering a better return and setting up a saving strategy.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing.

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

Needed advice on transferring 2 deferred final salary work pensions.

How has Rory Joseph helped you?

Gave impartial advice without asking for any upfront payments.

Have you seen the outcome you were hoping for?

Most definitely

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

We wanted to find a good financial adviser who could explain pensions and help and support us with planning for retirement

How has Rory Joseph helped you?

He is brilliant at explaining complicated financial systems and processes, so we can make informed decisions about our pension pots

Have you seen the outcome you were hoping for?

We continue to see the outcomes, as we plan for the future

What could they have done better?

Nothing I can think of

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

I had several workplace pensions accumulated over my working life and wanted to consolidate them into a retirement fund. We discussed annuities, draw down and other options looking for the best way to maximise my retirement income for the rest of my life and my wife’s hopefully leaving an inheritance to my kids

How has Rory Joseph helped you?

Rory gave me options with the benefits and drawbacks of each

Have you seen the outcome you were hoping for?

Even after drawing down a very decent pension my fund has still grown giving me a better standard of living that I had hoped for.

What could they have done better?

Nothing

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

A desire to retire slightly early

How has Rory Joseph helped you?

By reviewing pension pots and advising on the best way forward

Have you seen the outcome you were hoping for?

Certainly have to date

What could they have done better?

Not a lot that I am aware of

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

Back in 2012, I needed professional advice to optimize my pension strategy and plan for long-term financial security in retirement.

How has Rory Joseph helped you?

Rory provided clear guidance on my pension options, helping me adjust contributions and withdrawals for a more sustainable financial plan.

Have you seen the outcome you were hoping for?

Yes, I feel more confident about my financial future and the decisions I’m making with Rory’s advice.

What could they have done better?

Overall, I’m very satisfied

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

My husband died and I felt paralysed as to how best to proceed with his pension for which I felt like I was going around in circles with advice

How has Rory Joseph helped you?

He has helped me formulate a plan at a very vulnerable time in my life

Have you seen the outcome you were hoping for?

Probably a bit early but have been reassured on the right trajectory

What could they have done better?

All good so far

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

Financial matters always leave me feeling a bit inadequate, so I needed someone who would explain everything clearly and succinctly.

How has Rory Joseph helped you?

He was clear and concise in explaining the choices I had and helped me put those choices into operation. He was always there to lend a helping hand if the processes became confusing. We have made savings under his guidance.

Have you seen the outcome you were hoping for?

Yes. Financial situations and offers are constantly changing but I have confidence that he will advise us as and when required.

What could they have done better?

I am very happy with everything he has done.

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

Looking to invest a pension pot and needed advice as to where to invest

How has Rory Joseph helped you?

Explained without bias the pro's and cons of all available options in a clear and concise manner and adopted a total understanding of my overall financial situation

Have you seen the outcome you were hoping for?

Yes most certainly

What could they have done better?

Nothing

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

We had multiple pensions and sort advice on how to collate the pensions and plan for retirement

How has Rory Joseph helped you?

Rory did a great job, he explained everything really clearly so we could make informed decisions.

Have you seen the outcome you were hoping for?

Yes we have and we are very pleased with the outcome.

What could they have done better?

We found Rory very accommodating and flexible around meeting times and were very pleased with the advice given.

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

To investigate combining pension funds.

How has Rory Joseph helped you?

Providing sound financial advice and good financial options.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing.

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

Managing my finances after a divorce.

How has Rory Joseph helped you?

Planning for the future financially and obtaining the best income from my pension. The reviews help me to understand my future funds and plan accordingly.

Have you seen the outcome you were hoping for?

Yes I understand the figure I can draw down each month and my long term financial future.

What could they have done better?

Nothing my financial have been met.

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

We have an investment property portfolio and pensions, and were looking for advice on how best to arrange things for our particular circumstances.

How has Rory Joseph helped you?

As well as looking after our pension arrangements and keeping us up to date with their performance, he is a constant source of good advice, from different ways of maximising our assets, to the best way to sensibly structure our finances as we move into the later part of our lives. He has always been happy to answer any questions I have, and discuss different ways of doing things.

Have you seen the outcome you were hoping for?

To date, all is going well and on track.

What could they have done better?

I really don't think there is anything.

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

We have been working with Rory for the past six years. We initially wanted advice about combining several pensions into a portfolio. We had been to see another adviser but we just didn't feel comfortable. We had listened to Rory's advice on the radio and contacted him for help. That was it! He has been our adviser ever since.

How has Rory Joseph helped you?

He has offered sound financial advice. He has always answered our many questions promptly and in ways that we have been able to understand. He has gone on to help us with investing and general money matters.

Have you seen the outcome you were hoping for?

Our investments are ongoing. We have had good returns but we understand that the last few years have been challenging. We have been happy with Rory's advice.

What could they have done better?

Nothing.

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

Retirement

How has Rory Joseph helped you?

Advice on the most appropriate investment options for various pension funds and DB schemes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, everything went very well.

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

Retirement

How has Rory Joseph helped you?

Rory provided advice on pension consolidation

Have you seen the outcome you were hoping for?

Yes, Rory was most helpful

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

As I came to the end of my working life l had at least ten different pensions in various funds I was unsure if I had enough to retire early.

How has Rory Joseph helped you?

Rory contacted all the funds and established the total values. He then consolidated these funds in a drawdown pension fund. We also reviewed my investment in ISA cash and shares and consolidated these assets in to a stock and shares ISA for both myself and my wife.

Have you seen the outcome you were hoping for?

As a result of the consolidations Rory confirmed that I could retire with the life style I was looking for. Five years later and now a recipient of the state pension I can report that I have a very generous pension and both my ISA and pension funds have increased significantly in value Rory advice has been worth every penny

What could they have done better?

Not much maybe some shortbread biscuits at Christmas

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

Mortgage advice, initially.

How has Rory Joseph helped you?

Rory was clear in his explanations of different options and efficiently arranged everything on my behalf once we had agreed.

Have you seen the outcome you were hoping for?

Yes, very pleased with Rory’s service and I am now consulting with him around further financial matters.

What could they have done better?

No suggestions, very efficient service.

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

Re new my mortgage

How has Rory Joseph helped you?

Provided advice and found me an appropriate deal

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Rory had great knowledge and customer service, I would highly recommend him

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

To help manage and grow my investment portfolio

How has Rory Joseph helped you?

Clear, efficient and effective guidance. Rory and the team have helped simplify a cluttered and often confusion market place. This has been crucial in aiding informed and strategic decisions.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

N/A 10 or of 10 service

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

Wholesale review of pension situation and planning for the future

How has Rory Joseph helped you?

Gave us the least obviously biased advice of the various people we spoke to.

Have you seen the outcome you were hoping for?

We had no specific outcome in mind and we are in a much better position now than we would have been had we taken no action or followed the recommendations of other individuals.

What could they have done better?

Spoken a bit more slowly at times. It was difficult to keep up and make notes to be able to review at a later date what was said in the meeting.

Please provide a brief comment about your experience with Rory

Phoned to arrange an initial discussion with Rory but his associate didn't complete the request, another IFA did secure an initial discussion with me and I so didn't chase Rory.

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

Change of role, mortgage term, pension advice...

How has Rory Joseph helped you?

I have been a customer of Rorys for 20 years. He helps me with all finances and is superb

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. He is superb

Please provide a brief comment about your experience with Rory

Extremely happy with the service provided. Was very clear with everything, very prompt and will use again.

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

Having left employment of a company and starting my own company I needed a pension.

How has Rory Joseph helped you?

advised on what and how to start my own pension payable from within my company

Have you seen the outcome you were hoping for?

yes, so far so good.

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

Set up a trust

How has Rory Joseph helped you?

Rory is the financial advisor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Really happy with Rory

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

I was unhappy with the service, accessibility and cost of my previous adviser.

How has Rory Joseph helped you?

Helped to transfer my pension to a new provider.

Have you seen the outcome you were hoping for?

In progress.

What could they have done better?

I have only been a client of my current adviser since August 2019. So far I have no complaints and the arrangement is working smoothly and well.

Please provide a brief comment about your experience with Rory

Had initial meeting with Rory today and came out with a clear plan of what to do next, what he could offer and clear explanation of charges.

Please provide a brief comment about your experience with Rory

Good

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

I wanted to combine several old company pensions with a personal pension,

How has Rory Joseph helped you?

Rory advised which pension scheme would best suit my needs and arranged set up of the new plan and transfer of funds from various other pension schemes.

Have you seen the outcome you were hoping for?

Yes.

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

Advice for pension and investment as a result of a change in personal circumstances.

How has Rory Joseph helped you?

Advised how to set up a pension pot on my behalf for the future.

Have you seen the outcome you were hoping for?

The pension is for the future so not yet.

What could they have done better?

So far Rory has always fulfilled my expectations of a financial advisor.

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

When I was coming up to retirement, I had several Pensions from different companies and wanted to put them all under one "hat". Also, my wife and had some savings and ISA's that we wanted to get a better deal from and therefore went to see Rory Joseph at JLM.

How has Rory Joseph helped you?

Rory laid out a plan for both my pension and our saving's / ISA's in a clear manner which you could understand in layman's terms and was extremely helpful

Have you seen the outcome you were hoping for?

Yes, we have

What could they have done better?

We don't think that in the present climate and with what we want to achieve we could have done any better than what we have invested in

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

It is essential that major financial decisions are led by trained professionals, its a difficult area to research and understand yet so important.

How has Rory Joseph helped you?

Rory has helped us for circa 15 years with critical life insurance, each and every remortgage and pension consolidation. We have always felt incredibly well informed and without doubt have made sound decisions based on his great advice.

Have you seen the outcome you were hoping for?

Every time, yes! I was reluctant to take out critical life insurance originally, but Rory helped me make the right decision. 5 years later I was diagnosed with cancer, thankfully treatable, but so pleased I listened to Rory and took out a policy.

What could they have done better?

Nothing really, I have always had an exceptional service and have happily recommended Rory to many friends, who have all, without exception, had the same experience.

Please provide a brief comment about your experience with Rory

Apart from an initial response saying he would be pleased to do the work for me subsequent attempts to go further received no reply. Adrian Kidd however has been brilliant.

Please provide a brief comment about your experience with Rory

So far very easy to work with and very accommodating. Early days but seems to take a very practical, straight forward approach which suits me.

Please provide a brief comment about your experience with Rory

Rory was exceptionally helpful. Every time we came up with a hurdle he was quick to identify alternative possible solutions and quick to clarify feasibility.

Please provide a brief comment about your experience with Rory

So far so good still early stage

Please provide a brief comment about your experience with Rory

Hi called and could not contact me. He send email so I respondent with the number he should call but he never called or responded to email.

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

From our mortgage advisor.

How has Rory Joseph helped you?

Tax free pension release.

Have you seen the outcome you were hoping for?

Yes professional, courteous and efficient.

What could they have done better?

Could be a tad lower on price, but then I'm an accountant!

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

We found Rory many years back in looking for a mortgage adviser and have used him every time for mortgages since and more recently for pensions.

How has Rory Joseph helped you?

New mortgages, remortgages and pensions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. He is very approachable, easy joining and a pleasure to deal with. Just don't change.

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

Needed advice about a previous company pension I had and a personal pension.

How has Rory Joseph helped you?

Explained all options available to me. Answered any questions I had. Very approachable.

Have you seen the outcome you were hoping for?

Absolutely .

What could they have done better?

I am not sure there was anything else he could have done. I was very pleased with his service.

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

I was interested to get advice on the "transfer out" of pension scheme that my pension provider was offering having heard from past colleagues that it was a very good thing to consider doing. Approaching retirement age I was keen to realise the maximum from my pension fund and ensure that whatever decision I made was right for me and my family in the long term.

How has Rory Joseph helped you?

I "found" Rory through "Vouchedfor as he was "top of the list" on the site in terms of vacinity and also given my pension fund value. An initial call to Rory made me immediately feel at ease and his telephone manner was extremely relaxing and most importantly in no way "pushy" in terms of tryng to secure my business. In fact he was keen for me to explore other Advisers to ensure that I knew what I was looking for and able to compare. Rory is extremely knowledgeable and demonstrated in the initial phone call and subsequent "no obligation / fee" initial meeting his experience in the field. He made sure that he explained options in a simplistic way and was never phased or frustrated when I did not understand something; in fact he was very patient and tolerant. The outcome was that Rory was able to , assess my needs, risk appetite and then deal direct with my pension provider to transfer my pension funds to a portfolio that provided maximum flexibility, thereby giving me comfort and confidence that I had chosen the right Adviser. What I liked most about Rory was that he has a real passion for client service and has a belief that good client care results in a long term financial relationship with his clients as well as the opportunity for additional referrals, which is absolutely the right way to do business. In addition his fee/rates are extremely good value and competitive.

Have you seen the outcome you were hoping for?

In short Rory has delivered what he committed to deliver for me, kept me updated along the way and was always available to talk to when I needed additional advice or comfort during my decision making process. So far I am extremely happy with what has happened and looking forward to a long professional relationship with Rory and his team.

What could they have done better?

In all honesty I was so happy with how the process went that I cannot think of anything that Rory or his team could have done better. The "Transfer Out" process was handled in an extremely professional way and was very efficient; so much so that I have already recommended a former colleague who is in a similar position to me.

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

Retirement.

How has Rory Joseph helped you?

Rory was extremely helpful ensuring I fully understood the options open to me in the short and long term. He also patiently answered all my questions during our meetings and in any follow up contacts he responded immediately.

Have you seen the outcome you were hoping for?

Yes absolutely, I am very happy with the subsequent arrangements that suit me and would highly recommend Rory to others seeking financial advice.

What could they have done better?

Nothing I can think of as the service I received was efficient and quick. A copy of the signed agreement would be useful for my records but I have a draft version so not worried about receiving this.

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

Retirement.

How has Rory Joseph helped you?

Sorted my money and account.

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 at retiring early and transferring my works pension.

How has Rory Joseph helped you?

came to see me personally and explained everything.

Have you seen the outcome you were hoping for?

definitely.

What could they have done better?

not anything i can think off

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

I was looking to see if it could be worthwhile transferring my fixed benefits pension from my current employer.

How has Rory Joseph helped you?

He went through all the questions relating to my attitude to risk and what I wanted to get out of a transfer.

Have you seen the outcome you were hoping for?

Yes, all monies have been transferred to relevant places. As this only happened a few weeks ago I have not yet looked into any further reports on my new investment.

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

Unsure if my pension was doing well.

How has Rory Joseph helped you?

Advised with another pension.

Have you seen the outcome you were hoping for?

Haven't received my first statement yet.

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

To review all of my pensions over my working life so far.

How has Rory Joseph helped you?

Rory reviewed all of my pensions and advised what wasn't working for me, he made suggestions would we should do to make the pensions work. great advice.

Have you seen the outcome you were hoping for?

yes, best thing I have done seeking advice from Rory.

What could they have done better?

Nothing , great advice.

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

Pension advice.

How has Rory Joseph helped you?

He was thorough in explaining the complexity of the options for me, as i struggled to understand. He is very polite and jolly and always has time to talk to me, even if it is the smallest of query.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing. He was spot on. I would recommend him to all my family and friends.

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

Age - time for a review, especially following advice given by insurer at that time which I didn't trust. Also I wasn't happy at work.

How has Rory Joseph helped you?

Rory reviewed all my savings, shares and schemes - has moved them into updated plans, saved on tax and enabled me to take early retirement.

Have you seen the outcome you were hoping for?

Definitely and more.

What could they have done better?

Nothing. Rory has been helpful and fully prepared to explain more than once when necessary. I'm delighted with the outcome and that he was recommended to me

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

With retirement looming in the not too distant future we had no idea if our pension provision was sufficient for our needs or if early retirement was a possibility so needed some expert advice.

How has Rory Joseph helped you?

He reviewed our situation, explaining and clarifying our current position whilst offering advice for how to maximise our pension funds in the future. Most importantly he listened to us.

Have you seen the outcome you were hoping for?

It is still in the process of being set up but we are confident that a good outcome will be achieved.

What could they have done better?

Can't think of anything else that Rory could have done. He is always very patient, answering any questions that we have and keeps us fully informed of developments. We are confident that he has our best interests at heart.

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

Lack of knowledge about financial issues.

How has Rory Joseph helped you?

Very knowledgeable and gave good advice.

Have you seen the outcome you were hoping for?

Yes - thank you.

Please provide a brief comment about your experience with Rory

We had a very relaxed and positive meeting. Rory was easy to get on with. He was able to understand and assess my financial position quite quickly. Although the meeting did not result in my giving his practice any work at this time I would certainly consider using them in the future should my present IFA cease to practice.

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

Started a new job and needed to set up a new pension.

How has Rory Joseph helped you?

Rory helped navigate the daunting world of pensions.

Have you seen the outcome you were hoping for?

Rory provided excellent help and support in delivering a pension level I wanted in the future while ensuring affordability today.

Please provide a brief comment about your experience with Rory

Retirement plan

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

I had several pension plans and wanted advice on bringing them all into one plan. Also, to be reassured on my thoughts about my impending pension.

How has Rory Joseph helped you?

Rory gave me some very special advice and was able to bring the plans together with the minimum of trouble to myself.

Have you seen the outcome you were hoping for?

Unfortunately the stock market has crashed since my new investments, however, this would have happened if I left them with the previous company. This was just bad timing.

What could they have done better?

To be honest, I was happy with Rory's advice and don't really think he could forsee the crash in the stock market, which has resulted in a loss at the moment.

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

Review of current pension and mortgage provisions due to my husband is retiring this year.

How has Rory Joseph helped you?

He was very good at assessing our needs and providing potential options to meeting the immediate and long term requirements.

Have you seen the outcome you were hoping for?

At the end of the visit had a understanding of the information we needed to provide in the first instant. Understood that until the information had come back from the vendors, he could not make a clear assessment however did understand the this would take time. Pleased he would look deeper than the annual reports and statement provided by vendors. Provided information on the cost of the service and future costs - He was very open about it to make it transparent.

What could they have done better?

- Feed back that he has received all the information both hard copy and electronic and there is no other information outstanding that he will need to make his assessment. - Progress report on where he is on his portfolio review so have an idea of timescales for next stage meeting review

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

I wanted to get to grips with my pension and consolidate several pensions into a new one.

How has Rory Joseph helped you?

Rory was very helpful in dealing directly with the Pensions companies that I had. He listened to my requirements and went away to find the best possible new pension to transfer my money to and pay into as a new plan.

Have you seen the outcome you were hoping for?

Everything that Rory recommended suited my needs. He has always been at the end of a phone or responsive via e-mail to any further questions that I had.

What could they have done better?

Nothing .

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

I was retiring and looking to move my pension our of a frozen Final Salary Pension scheme to a more flexible fund.

How has Rory Joseph helped you?

Rory summed up my financial situation very quickly and outlined my options in a concise way. He was clear about the risks of moving my pension and put no pressure on me to make a decision that would benefit him which I appreciated.

Have you seen the outcome you were hoping for?

I am happy with the decision that I made but since the transfer of my pension has only happened very recently, it is still too early to assess whether the product that Rory recommended will perform as we hope.

What could they have done better?

I was fully informed throughout the process so I don't believe that Rory could have done more. He is thoroughly professional and honest and I would not hesitate to recommend him.

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

Recently made redundant and starting to look at my Financial Situation and my Pensions I have. I wish to start to draw my pension in a couple of years.

How has Rory Joseph helped you?

Advise and help with my old Final Salary Pension and Personal Pension and way forward to secure my Partner.

Have you seen the outcome you were hoping for?

To Early to comment on.

What could they have done better?

To Early to comment on

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

Looking for a buy to let property.

How has Rory Joseph helped you?

He found the right mortgage for me.

Have you seen the outcome you were hoping for?

Yes, said property has increased in value.

What could they have done better?

Nothing the service he provided was excellent.

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

To change our mortgage to a better rate and look into all our pension schemes.

How has Rory Joseph helped you?

He got us a fab mortgage and has already given us plenty of advise regarding our pensions even though they are all a bit complicated and is helping us change them for the better !.

Have you seen the outcome you were hoping for?

Mortgage complete pensions taking longer as complicated.

What could they have done better?

He could have perhaps had a bowl of sweets on his desk we could have tucked into while we were talking otherwise everything great !

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

I am a first time buyer.

How has Rory Joseph helped you?

He outlined all my options very comprehensively and gave me invaluable advice about the whole buying process.

Have you seen the outcome you were hoping for?

Yes am hoping to exchange shortly.

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

Re-mortgage on existing property.

How has Rory Joseph helped you?

He found the best mortgage deal for me to bring my payments down. Throughout my re-mortgage he explained everything and gave sound advice around the type of mortgage which would best suit my needs. Everything was clearly explained. Rory also did the same when I moved and then helped me to remortgage to knock 15 years off my current loan which was excellent.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don't think he could do anything different. I keep going back to him and trust him to always get the best outcome for me. He was recommended to me by friends and I in turn have recommended him to others.

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

Required a mortgage.

How has Rory Joseph helped you?

Provided clear and prompt advice and offered mortgage products that met our requirements.

Have you seen the outcome you were hoping for?

Accepted mortgage from those offered by financial advisor.

What could they have done better?

No, very happy with the service and products offered, would happily recommend JLM again

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

Having tried to deal with the pension provider direct & getting absolutely no-where, we needed to find a financial advisor to give us the various options.

How has Rory Joseph helped you?

Rory Joseph immediately understood what we were trying to do & very quickly met with us to explain the options. Everything was clear and we had the utmost confidence in his skills.

Have you seen the outcome you were hoping for?

Within about 6 weeks of the initial contact with Rory, the product had been finalised, something we had been trying to do with the pension provider for almost a year without any success. Without Rory & his team this simply would not have happened.

What could they have done better?

Nothing - couldn't fault him.

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

To review our pensions and wanting to buy a property for our children to rent.

How has Rory Joseph helped you?

He was extremely helpful and honest . We wished we had gone to him earlier. He explains things in a formative and simple way.

Have you seen the outcome you were hoping for?

Not as yet as things are in the process of being put into place.

What could they have done better?

No thing at this present time.

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

We were passed Rory's details from a friend and haven't looked back. Top draw.

How has Rory Joseph helped you?

By providing valuable information and guidance on our aim to gain a mortgage, which can be complicated but Rory dealt with our requests seemlessly.

Have you seen the outcome you were hoping for?

Absolutely!.

What could they have done better?

Honestly - nothing. Rory was great and we will use again. Might I add we have already used Rory more than once

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

To remortgage.

How has Rory Joseph helped you?

Thoroughly reviewed our income and expenses to advise affordable mortgage offers available to us. Yes.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No concerns

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

I am a property developer.

How has Rory Joseph helped you?

Helped me find the best finance available suitable for my needs. I have used Rory as a financial advisor for almost 10 years. To build a property portfolio, you need a good financial advisor on your side, and Rory has consistently met my mortgage needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Being a very good financial advisor, Rory is constantly in demand, and is therefore very busy. Maybe have bigger team.

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

I was trying to help sort out my mothers finances for her. This was an investment and savings enquiry and inheritance planning. I am also considering advice re insurances, pension and retirement for myself and my husband.

How has Rory Joseph helped you?

He arranged for a solicitor to sort out power of attorney, and ISA and a investment account. He visited and explained what he thought would be best for her and was able to answer both hers and my question to our satisfaction.

Have you seen the outcome you were hoping for?

Within reason yes we have. The markets haven't been particularly good this last year, but all is well.

What could they have done better?

Although I know all costs were explained and documents were given to support the information. It was a lot to take on board and I'm not very good at going through anything to read that has jargon in it. Perhaps something more basic in a small bullet pointed leaflet would help support his explainations

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

My husband and I are approaching mid 50's with various pensions, we need to get 'our house' in order.

How has Rory Joseph helped you?

Rory was very helpful and explained everything clearly. We felt confident in his advise and trusted him.

Have you seen the outcome you were hoping for?

Yes, Rory helped is consolidate some of our products and recommended good alternative products.

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

I have a number of mortgages that needed to be re financed. I also wanted to release equity to purchase additional properties and switch from residential to but to let.

How has Rory Joseph helped you?

Rory was absolutely fantastic in understanding my needs and offering suggestions and solutions. Everything was explained and actioned by Rory and his team and I was kept informed every step of the way.

Have you seen the outcome you were hoping for?

I have seen a better outcome than I could have possibly hoped for. My monthly repayments have almost halved, I have an additional property with no mortgage and I have loner term deals than I thought possible.

What could they have done better?

There is nothing they could have done better, seriously. I have recommended Rory to 4 or 5 family and friends as the service was excellent.

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

We were buying a house and needed mortgage advice.

How has Rory Joseph helped you?

He looked at the whole market and best options for us. Went through affordability with us and explained all the aspects we weren't sure about.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

Cannot think of anything