Trey Vella

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

Receipt of an inheritance

How has Trey Vella helped you?

Trey has been very helpful in getting us to consider current and future needs and ensure we are well placed whatever comes along

Have you seen the outcome you were hoping for?

whilst markets were not kind initially, things have improved considerably in the last year but we always knew that was possible and are very happy with progress overall

What could they have done better?

Nothing

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

We were looking for financial advice from an overview position with independence of thought.

How has Trey Vella helped you?

Trey has made the process of understanding and actioning financial planning straightforward and factually based. The clarity of actioning financial choices has been liberating and fulfilling. Trey is a good listener - he puts our needs first and foremost in the discussion and reminds us to keep this in mind when building up to key decisions.

Have you seen the outcome you were hoping for?

Yes, the outcomes have been progressive rather than spectacular, but they have been planned and have fulfilled that plan at each year end.

What could they have done better?

Nothing. The planning and communication has been robust, sincere and considered.

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

We were looking to retire early due to I’ll health

How has Trey Vella helped you?

He has given us advice and answered endless questions about financial security which has enabled us to confidently access pensions and plan ahead

Have you seen the outcome you were hoping for?

Yes absolutely! We have been retired for four years and accessing pensions in a draw down to be more tax efficient

What could they have done better?

Nothing! For us they have been helpful, informative and always friendly. They are not simply names but accessible people who have got to know us and our situation personally.

Please provide a brief comment about your experience with Trey

I was very comfortable with the initial meeting and understood everything he was explaining.

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

We have been receiving financial planning help and advice from Harper Lees for many years. Trey was introduced to us over a couple of years as part of Harper Lees succession planning for Adrian's own retirement.

How has Trey Vella helped you?

Trey continues to keep an eye on our finances to ensure we can afford to live the life we want in terms of finance. Trey responds dynamically to us: this years planning meeting modelled financial "what ifs" in terms of long term care which we found very helpful and reassuring, this was in response to a question at the meeting.

Have you seen the outcome you were hoping for?

Yes

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

I already had a Financial Advisor, but was looking for more in-depth financial planning and pensions advice.

How has Trey Vella helped you?

The financial modelling used has really helped to clarify my finances, and the explanations to all my questions given by Trey are clear and understandable.

Have you seen the outcome you were hoping for?

Yes, I'm now much clearer on my financial position and on the next steps to take.

What could they have done better?

I feel they've done everything they can. Very happy.

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

I received an inheritance and wanted guidance on future planning.

How has Trey Vella helped you?

Trey advised the options available for utilising the inheritance and how to plan the financial future of my family. Trey took in to consideration my financial personality. Trey suggested investments that I was not aware existed.

Have you seen the outcome you were hoping for?

Yes I have a clearer understanding of my financial options. I also know I could consult Trey for advice with future financial decisions.

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

We wanted advice on our financial position and things we could do to minimise risk and make efficient use of our money.

How has Trey Vella helped you?

He has given us clarity on how we are doing financially, a plan to improve returns and coaching on how to best manage our money in view of our plans for the future.

Have you seen the outcome you were hoping for?

Yes, it has given us considerable peace of mind, knowing that we are on the right track, and having options for achieving what we want in the future.

What could they have done better?

I can't think of anything - even the latte that they serve up is top notch! No disappointment even there... :-)

Please provide a brief comment about your experience with Trey

Very professional and patient Trey fully explained the process and we left the meeting feeling very happy with the service

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

Looking at early retirement and needed to know it would be financially viable

How has Trey Vella helped you?

With clear, honest, helpful advice, always in a way I could understand (in the complicated pensions world!) Nothing was too much trouble, always available to help and give impartial advice.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

As far as I am concerned… nothing all very positive and helpful.

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

We needed to find someone who would advise on pensions as we were considering retirement.

How has Trey Vella helped you?

We have received professional advice that has enabled us to move into retirement with confidence.

Have you seen the outcome you were hoping for?

The outcomes of regular meetings have exceeded our expectations. We are delighted with the professional, relevant and appropriate advice we have received.

What could they have done better?

It is hard to see has things could have been any better. We are very grateful for the excellent service we have received, enabling us to move forward with confidence into retirement..

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

Advice on my finances and pension.

How has Trey Vella helped you?

By providing full lifestyle financial planning, giving me a clear understanding of my finances and organising the financial support I needed.

Have you seen the outcome you were hoping for?

Yes, an in-depth and clear understanding of my financial situation and financial possibilities which has bought me peace of mind.

What could they have done better?

There is nothing Trey could have done better. He is professional, competent and honest, a pleasure to work with.

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

Reaching the age of 60 and having to make decisions relating to my pension and my wife’s pension. Our previous adviser was unable to take on any additional work and recommended Trey Vella.

How has Trey Vella helped you?

Following several meetings Trey has helped transfer my pension to a new provider, to enable me to start the drawdown process. He has also drawn up a retirement plan for my wife and I, which we have just started to implement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The meetings we had were very informative, professionally conducted but also friendly, so in our opinion, just what we were looking for.

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

We wanted some advice on planning for the future, and help with understanding our financial position and making the right decisions for the future.

How has Trey Vella helped you?

Trey has been very patient with us, explaining terms that we didn't understand, illustrating our position with graphs and different scenarios, and walking us through the options open to us, and the routes to put our financial plans into operation

Have you seen the outcome you were hoping for?

Yes, we have had excellent advice and have a thorough understanding of our position and how to plan for the future. We are still working with him to put our plans into operation but we are confident in his guidance and recommendations.

What could they have done better?

I can't think of anything that Trey could have done better to be honest.

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

Planning for and moving into retirement

How has Trey Vella helped you?

Sound advice and assistance to achieve our aims

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing specific

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

Approaching retirement

How has Trey Vella helped you?

Good and clear advice

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 pension planning

How has Trey Vella helped you?

Explained our investments and what we can expect from them

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cant think of anything

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

Receiving a large sum of money through inheritance and desperate to find a professional company to invest with

How has Trey Vella helped you?

Simply by keeping in touch with me and recommending various investment plans

Have you seen the outcome you were hoping for?

Yes and one reason to recommend to friends and family

What could they have done better?

Advising when Bank of England suddenly make interest changes

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

To set ourselves a financial plan

How has Trey Vella helped you?

Providing excellent advice

Have you seen the outcome you were hoping for?

Plan is on track

What could they have done better?

Nothing

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

To have a robust financial plan for our future

How has Trey Vella helped you?

Providing a financial plan and listening to our circumstances and working out the best path for us

Have you seen the outcome you were hoping for?

The financial plan is working very well and regular meetings to review progress are very helpful

What could they have done better?

Not applicable very happy

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

I had a pension fund that was misappropriated and HLS put it back on a legal basis with the IR and advised on future action resulting in a secure retirement. The strategy is reviewed annually or at any time I need to communicate. Excellent personal service.

How has Trey Vella helped you?

He took over from Adrian Quick advising on income for later life

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much. Their staff are well qualified and the firm has thereby diversified its range of advice. The regular newsletter keeps me updated on financial matters affecting me.

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

To invest my pension

How has Trey Vella helped you?

He gave me sound advice

Have you seen the outcome you were hoping for?

So far I’m pleased with the outcome

What could they have done better?

Nothing

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

A longterm client, so my involvement was for an annual review.

How has Trey Vella helped you?

He has quickly assimilated my financial position as this was his first year looking after my portfolio.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

To advice on our pensions

How has Trey Vella helped you?

Has advice on long term care

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?

Following an inheritance we felt we were too heavily invested in cash and wanted to ensure that our savings would be sufficient to provide care if needed and also to allow us a comfortable retirement

How has Trey Vella helped you?

He was very helpful in getting us to better understand what our financial position was gave us great comfort that we would be bale to withstand downturns in the market without any meaningful impact on our plans for retirement.

Have you seen the outcome you were hoping for?

Whilst markets have not been kind so far, we are confident that longer term the strategy proposed by Trey is the right one

What could they have done better?

Nothing

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

We wanted to plan financially for our future.

How has Trey Vella helped you?

Updating plans to ensure we are on track for the retirement of our choice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All good!

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

Death of husband

How has Trey Vella helped you?

Advice on how to maintain the standard of living I want with my pensions and other investments. Recommendation of a professional company to update my will as I have 2 grandchildren who are not mentioned in my current one. Discussion to check if existing whole life policy is for an acceptable value.

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 had several pension pots spread over different providers and wanted to consolidate these into a single pension/SIPP. I also needed a complete review of my pensions and financial situation as I was looking to take early retirement and needed to understand my options.

How has Trey Vella helped you?

I provided Trey with the details of all my various pension pots and he went away and gathered all the information required to allow him to review them fully. He also completed a Lifestyle Financial plan for me and together with the results of this financial plan and the pension details earlier gathered was able to recommend the best way to consolidate the pots and how they could fund my retirement in order to meet the objectives of my Lifestyle Financial plan.

Have you seen the outcome you were hoping for?

Yes. My pots are now consolidated and are now considerably easier to manage/monitor. I have a better understanding of my financial situation and am more confident that I should be financially secure throughout my retirement

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

We had personal pensions that were due to mature and wanted to know the best way to draw them regarding lump sums and regular income

How has Trey Vella helped you?

He passed on advice for us to follow

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 was coming up to my 65th birthday and my private pensions were maturing.

How has Trey Vella helped you?

He advised on which funds I might be interested in. He was very helpful when I wanted to change direction with a percentage of my investments.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

As I am not an expert in this field, I feel I am unable to make a judgement.

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

To ensure a secure and robust plan for my family

How has Trey Vella helped you?

Sound advice given with detailed explanations provided.

Have you seen the outcome you were hoping for?

Trey’s advice has helped us look at our finances differently and ensure we plan and also have contingency in place.

What could they have done better?

Nothing. I am happy with the service provided

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

I needed professional advice to consolidate my pensions and plan for the future

How has Trey Vella helped you?

Trey advised me how to maximise my investments whilst not taking unnecessary risks.

Have you seen the outcome you were hoping for?

Still early days, investments are for long term planning

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?

Approaching retirement

How has Trey Vella helped you?

Given sound advice and help me with complex decisions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am happy with all the information given and couldn’t have asked for better

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

Annual review

How has Trey Vella helped you?

Conducted review and future projections to confirm my current and future position

Have you seen the outcome you were hoping for?

Yes, I am confident all is well

What could they have done better?

Nothing particularly

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

I have been a client with Harper Lees for many years and I value their service, their knowledge and appreciation of my financial circumstances; I am reassured that their advice and understanding plays a key role in maintaining my financial stability into the future.

How has Trey Vella helped you?

I have relatively recently been introduced to Trey but I am already impressed with his grasp of my circumstances and in particular his energy in resolving a problem that had arisen with an otherwise unsympathetic multi-national financial provider.

Have you seen the outcome you were hoping for?

Without a doubt.

What could they have done better?

There is no area in which I feel Trey's and/or Harper Lees' performance has been lacking.

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

We sought advice when my wife inherited some money and we had recently retired and wanted to plan for the future better.

How has Trey Vella helped you?

Very thorough initial appraisal of our financial position and our appetite for risk as well as our approach to investments. Trey is always very quick to respond to any queries we raise.

Have you seen the outcome you were hoping for?

It is still relatively early and the markets have not been kind for any investors during the last 18 months, but we are happy that this is still the best long term strategy and more importantly Trey has helped us understand that we will still be comfortably able to afford what we are looking for

What could they have done better?

Nothing

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

Financial planning for retirement

How has Trey Vella helped you?

Provided advice on how best to manage retirement finances and investments and particularly around opening and investing in ISAs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - I was kept fully informed during the process and the outcome has been as planned

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

Wanted to get our financial affairs in order and planned for peace of mind

How has Trey Vella helped you?

Trey has listed to our situation and carried out a full review and plan and we are now implementing the recommendations and starting to see the results which is pleasing.

Have you seen the outcome you were hoping for?

Yes the plan this year has enabled us to use some of our savings to bring down our mortgage and plan our long term future goals.

What could they have done better?

Can’t think of anything it’s been good.

Please provide a brief comment about your experience with Trey

Trey was introduced to me at our last scheduled review meeting with Adrian Quick where we were advised that Trey would be playing a greater role in our continuing relationship with Harper Lees. First impressions were very favourable and I am confident that these changes going forward will appear seamless.

Please provide a brief comment about your experience with Trey

very Professional and knowledgeable on Financial matters. Easy to communicate with and feel so lucky to be able to deal with him.

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

Large insurance payout on death of husband.

How has Trey Vella helped you?

He is now my financial advisor and I’m happy with his help and suggestions in planning for my continued retirement.

Have you seen the outcome you were hoping for?

Yes, my income covers all my expenses and pays for what I want as well as what I need.

What could they have done better?

Nothing

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

For advice on my pension click on the

How has Trey Vella helped you?

For advice on my pension click on the next

Have you seen the outcome you were hoping for?

Not yet as we are still in early stages

What could they have done better?

I’m happy with what they’ve done

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

A divorce and pension share order

How has Trey Vella helped you?

He manages my pension / investments

Have you seen the outcome you were hoping for?

The past year has been difficult globally so performance is affected

What could they have done better?

Probably nothing

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

To stabilise my pension fund and plan ahead for retirement

How has Trey Vella helped you?

Trey has taken over my account at Harper Lees and is providing ongoing advice for me in 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?

General financial planning and inheritance planning

How has Trey Vella helped you?

Trey has been excellent very thorough and excellent communication

Have you seen the outcome you were hoping for?

Yes things are going well and in the expected range

What could they have done better?

Nothing really been very happy with the advice and level of service given

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

I went to this firm about 6 years ago to see if I was on track for retirement. Such good advice given under no pressure I went back just prior to retirement to organise my pension

How has Trey Vella helped you?

Organise my money, reduce liabilities and given me a very nice income in retirement to do what I had hoped to do

Have you seen the outcome you were hoping for?

Without a doubt

What could they have done better?

Struggling to think of anything to be fair

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

We have a range of other services being managed by Harper Lees. The relationships built in those pervious services and interactions gave us confidence to ask Harper Lees to manage our inheritance and financial planning.

How has Trey Vella helped you?

Trey has been excellent in his dealings with us. He is well prepared ahead of our meetings, listens to our ideas, cautions and concerns, and communicates clearly verbally and in follow up correspondence. We have found him attentive to our plans and diligent in his dealings with us. As a couple with slightly different outlooks on exposure to risk, Trey has been able to strike a balance between needs and aspirations that has been clearly communicated, explaining the various options we have available to us for medium and one term investment.

Have you seen the outcome you were hoping for?

At this stage, we are still planning the finer details of investments, but based on other services in our portfolio, we believe we are planning a future that enables and allows us to feel confident about our wealth management, liberated from the worry about doing 'the right things'. Trey has been able to highlight scenarios where particular decisions could project differing outcomes and in so doing, he generated a level of confidence and assuredness in us to make firm decisions based on the best, most up-to-date evidence.

What could they have done better?

I can't think of anything at this stage that would have made the process better. Trey has taken time to take us through the financial planning process so we never felt rushed or out of our depth. I'd be very happy to recommend Trey based on the experience that we have had.

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

My pensions were maturing and I needed specialist advise

How has Trey Vella helped you?

Provided advise on financial planning. Advised on various pension options.

Have you seen the outcome you were hoping for?

I have yet to see the results, so would be unfair to comment. Ask again in 6 months.

What could they have done better?

As far as I am aware, the advise given, is concise, accurate and helpful. The initial presentation was excellent and easy to understand. Subsequent meetings have also been informative.

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

We wanted a review of our financial situation for long-term planning.

How has Trey Vella helped you?

Yes, he has been a great help and has been very patient with us throughout the process.

Have you seen the outcome you were hoping for?

Yes, we have had invaluable advice and have a valuable understanding of where we are at and what decisions we need to take to secure our long term future.

What could they have done better?

Even Trey's new-found coffee-making skills have been impressive! He is a talented young man.