Tom Saleh

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

Always had one since starting my pension with Allied Dunbar

How has Tom Saleh helped you?

Information on retirement pensions and investment. Also advice on Wills

Have you seen the outcome you were hoping for?

IMy pension is going in the right direction now after quite a large drop

What could they have done better?

Not sure if we could have frozen the pension before it took a drop

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

After retirement we had little idea how to manage our money

How has Tom Saleh helped you?

He has been a great help with inheritance and all financial investments

Have you seen the outcome you were hoping for?

It’s an ongoing thing but definitely happy so far!

What could they have done better?

Nothing as far as we are concerned.

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

Need to bring finances up to date

How has Tom Saleh helped you?

Given clarity

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 Tom

Tom was polite and personable, it was clear that he had done some research on our backgrounds through our previous phone call conversations.

Please provide a brief comment about your experience with Tom

Tom arrived on time and well presented for our initial meeting to discuss our position and possible next steps. Tom was clear, concise and friendly, and made understanding our possible options easy to digest. We're really looking forward to seeing where the next steps take us.

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

To work out a pension plan and advise on planning future investments and tax planning

How has Tom Saleh helped you?

I am not in any way used to dealing in personal investment/tax planning. Tom has made it a lot easier for me to understand and I feel relaxed while discussing these topics with him.

Have you seen the outcome you were hoping for?

Pension and investment planning looks to be going well but we have still some planning to complete

What could they have done better?

I am very happy with all the advise I have received to date,

Please provide a brief comment about your experience with Tom

Tom was really easy to speak to. We feel he advised us well on the business, and the potential plan with a pension.

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

Pension planning

How has Tom Saleh helped you?

Consider my present/future earnings/savings

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 Tom

Tom has taken the time to understand my needs and explain the options available to me in clear terms

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

To arrange pension after divorce

How has Tom Saleh helped you?

Set up pension and gave valuable advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing comes to mind

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

Pension advice

How has Tom Saleh helped you?

He’s consolidated everything for us regarding our pension.

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 Tom

Tom was excellent. really helpful and insightful.

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

Sold our business

How has Tom Saleh helped you?

Advised how to make receive the best income out of our money

Have you seen the outcome you were hoping for?

yes

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

Retirement

How has Tom Saleh helped you?

Sorted my pensions and advice on investment's

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think he could have done anymore

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

Investing funds from the sale of a business

How has Tom Saleh helped you?

Tom is knowledgeable and friendly and I feel comfortable taking his advise

Have you seen the outcome you were hoping for?

My portfolio is still in the early days but I am happy with the outcome so far.

What could they have done better?

Nothing

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

Had a windfall

How has Tom Saleh helped you?

Tom helped with all my investments

Have you seen the outcome you were hoping for?

Up to now very good

What could they have done better?

Nothing at the moment

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

Business opportunities

How has Tom Saleh helped you?

To plan for the future and to be tax efficient

Have you seen the outcome you were hoping for?

Not yet be we are confident we will

What could they have done better?

Nothing his advise and delivery was first class

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

We needed to utilise our pension and savings more economically

How has Tom Saleh helped you?

Clear and precise advice with plenty of options to suit our needs

Have you seen the outcome you were hoping for?

We are in the latter stages of set up but all is going very smoothly and heading in the right direction

What could they have done better?

So far , we have nothing we are dissatisfied with .

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

To help plan funding our future retirement

How has Tom Saleh helped you?

Sound and clear advice giving us the confidence to go forward

Have you seen the outcome you were hoping for?

Not as yet still very early stages of investments

What could they have done better?

Nothing all good

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

Early retirement and advice on what to do with my pensions.

How has Tom Saleh helped you?

He's put my mind at rest about what the best way to go with my pensions are. Also what to look forward to in the future.

Have you seen the outcome you were hoping for?

Yes with Toms professional advice.

What could they have done better?

Nothing, the service and advice was excellent.

Please provide a brief comment about your experience with Tom

Tom was very approachable and easy to talk to. He reassured us with anything we did not understand and was very informative.

Please provide a brief comment about your experience with Tom

AN EASY MAN TO DEAL WITH, VERY QUICK TO UNDERSTAND OUR SITUATION AND HIS EXPLANATIONS VERY CLEAR AND CONCISE.

Please provide a brief comment about your experience with Tom

A very pleasant person to deal with,Felt very reassured by Tom's attitude and advice,Answered any of our questions clearly. Looking forward to meeting him again soon.

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

Needed to plan for my retirement whilst reducing my current tax liabilities

How has Tom Saleh helped you?

Provided me with a structured plan to achieve my objectives

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 Tom

Excellent communication with great clarity.

Please provide a brief comment about your experience with Tom

Explained everything in understandable terms and gave all the right answers to my questions. More than happy to deal with Tom.

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

To sort out our financed

How has Tom Saleh helped you?

He gave us the advice we needed

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?

We had sold our business and wanted financial advice.

How has Tom Saleh helped you?

Recommended appropriate investments for our money.

Have you seen the outcome you were hoping for?

It is too early to tell.

What could they have done better?

Nothing

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

Reached retirement age

How has Tom Saleh helped you?

With all financial planning and importance of power of attorney.

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?

Having experienced indifferent advice from my bank and, to a degree, building society, our savings over many years plus an inheritance deserved better.

How has Tom Saleh helped you?

Tom has continued the positive, friendly approach of his predecessors and gives straight forward non jargon information on our existing investments keeping us abreast of opportunities available.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I'm not certain that this can be quantified. There have been so many "one offs" affecting finances of late such as pandemics and mismanagement by government that keeping our investments stable at best but increasing value can only be good.

Please provide a brief comment about your experience with Tom

Tom was friendly and professional, and was great at explaining a very complexed subject.

Please provide a brief comment about your experience with Tom

Tom was very patient, explained matters regarding pension queries in way that was understandable to a lay person. The slides that he had taken the time to prepare were easy to follow and understand. Tom answered all queries and questions in well and made sure that he had been understood before moving on. Would definitely recommend Tom to anyone that was needing help to understand their pensions from the amount you are putting in to when, how and what options are available as and when retirement age is reached..

Please provide a brief comment about your experience with Tom

Very friendly and spoke in laymen's terms to help make the whole session much easier to understand - all round very helpful and very grateful for his input!

Please provide a brief comment about your experience with Tom

Nice to meet an advisor who is transparent and clear.

Please provide a brief comment about your experience with Tom

Professional, clarified a number of grey areas in our financial planning, offered sound advise without trying to hard sell.

Please provide a brief comment about your experience with Tom

Navigating the ever changing financial minefield of pensions and investments was a daunting prospect for me but after meeting with Tom, I feel I have much more clarity in formulating a strategy for my financial future. I found Tom to be very approachable and would recommend his professional advice without reservation.

Please provide a brief comment about your experience with Tom

Tom flexed his approach and provided professional advice at the pace and detail I needed

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

Needed assistance in reviewing and merging various pension plans and savings

How has Tom Saleh helped you?

Tom reviewed all our finances, explaining everything thoroughly enabling us to make informed decisions on retirement and future finances.

Have you seen the outcome you were hoping for?

We are very happy with the advice already received and Toms continued support

What could they have done better?

Nothing

Please provide a brief comment about your experience with Tom

Tom was thoroughly professional. He was knowledgeable and what he didn't know he said he would find out. We felt we could trust him with our future plans and seemed to have our best interests at heart.

Please provide a brief comment about your experience with Tom

Tom was polite understanding and knowledgeable about all subjects and was able to advice us in different ways. Tom was not pushy but understanding and supportive.

Please provide a brief comment about your experience with Tom

On first meeting Tom i felt totally at ease not knowing a lot about pensions. He explained everything in simple terms and by the end of the meeting i knew exactly what i needed to do.

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

I needed to restart my pension contributions and to look to consolidate my pensions.

How has Tom Saleh helped you?

He has advised re level of contribution needed and tax saving.

Have you seen the outcome you were hoping for?

He has been extremely helpful - won’t see the outcome yet.

What could they have done better?

Nothing - he’s been informative, helpful and everything kept simple and easy to understand.

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

Self employed mid 50's wanting to make sure that pensions were in a healthy state for retirement. Also recently widowed and had a lump sum for investment, for retirement but also for inheritance for children

How has Tom Saleh helped you?

Tom looked at existing pensions and advised on best way to treat those. Also looked at future pension planning to best utilise the existing pensions. Set up investment for lump sum with appropriate levels of risk and return.

Have you seen the outcome you were hoping for?

Yes, pensions sorted and investments made. Process was very easy and friendly. Tom explained everything very thoroughly and multiple times.

What could they have done better?

Nothing

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

Use FBR as my Accountant so already had good working relationship. I needed help with bringing together several pension pots and managing SIPP on long term drawdown basis, so FBM seemed like a good place to start. Tom has a good pair of listening ears and confirming or otherwise my financial strategy and actions without any heavy sell, and thus providing me with reassurance during periods of market uncertainty.

How has Tom Saleh helped you?

See above

Have you seen the outcome you were hoping for?

Yes, despite market movements

What could they have done better?

Not sure.

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

Money just in bank not doing anything

How has Tom Saleh helped you?

Put our money into investments and given us advice

Have you seen the outcome you were hoping for?

Not yet but it’s early days

What could they have done better?

Nothing

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

recommended by FBR through their accountancy work they do for me. I needed to invest funds

How has Tom Saleh helped you?

Given me clear advice in a timely manner, explaining the complexities

Have you seen the outcome you were hoping for?

Don't know it is too early to say and i haven't checked the data! the current state of the economy also has made me think it perhaps won't be a true picture

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

Needed help with my investments

How has Tom Saleh helped you?

Tom is a very helpful guy

Have you seen the outcome you were hoping for?

Will in the future

What could they have done better?

Nothing

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

To review our pension and make the right choice.

How has Tom Saleh helped you?

Very helpful, fully explained all options and agreed the choice for us.

Have you seen the outcome you were hoping for?

By making the right choice it will benefit us later when the time comes.

What could they have done better?

We are very happy with the outcome and Tom could not have been more professional, always available for any queries and most helpful. An excellent advocate in his profession.

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

Looking to buy an annuity

How has Tom Saleh helped you?

Talked me through my pension options

Have you seen the outcome you were hoping for?

Yes

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

Inheritance tax planning

How has Tom Saleh helped you?

Good sound advice and thoughtful to our circumstances

Have you seen the outcome you were hoping for?

Under way

What could they have done better?

N/A

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

Sold my business

How has Tom Saleh helped you?

Invested my money

Have you seen the outcome you were hoping for?

Too early to say

What could they have done better?

Nothing

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

Via FBR accountants

How has Tom Saleh helped you?

Hugely!

Have you seen the outcome you were hoping for?

Yea

What could they have done better?

Nothing!

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

We had money just stuck in the bank and worried about moving it because a close relative had been scammed. We knew we needed advice.

How has Tom Saleh helped you?

Tom has advised us what to do and taken away all our concerns. He has been extremely helpful and supportive.

Have you seen the outcome you were hoping for?

Hopefully in the future.

What could they have done better?

Nothing

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

Sale of a business enabled me to invest monies for mine and my familys future.

How has Tom Saleh helped you?

Tom has helped me to understand how investments work and advise on which ones woud be best suited to my needs, and to advise on future inheritance planning for my family.

Have you seen the outcome you were hoping for?

It is only approximately eighteen months since my investments started, but am hopeful of achieving my goal.

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

Approached as a whole package with the accounting side of the business.

How has Tom Saleh helped you?

Helped explain key financial strategies to me and made me feel more secure about my financial positions.

Have you seen the outcome you were hoping for?

Yes

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

We had some savings gleaned over a fifty year period and were at a stage of changing over to professional financial planning rather than the self organising method when we were fortunate to inherit a sum of money.

How has Tom Saleh helped you?

Advice on direction of investments once our attitudes to risk had been established followed by further risk assessment tests to ensure our wishes, plans, expectations, etc., could be maintained/changed, etc.

Have you seen the outcome you were hoping for?

Yes although there have been the "ups and downs" as was expected albeit exacerbated by recent world wide events and, to an extent, government decisions, in recent weeks.

What could they have done better?

Other than having a fully functional crystal ball? Nothing.