Colin Low

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

Advice in handling our finances into retirement.

How has Colin Low helped you?

Providing excellent, professional and timely advice, that I would not have been able to do myself.

Have you seen the outcome you were hoping for?

Yes, our finances are doing well, and have been protected through a difficult financial climate .

What could they have done better?

Nothing really. They have done very well.

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

Advice around taking out a company pension and moving it into a private one.

How has Colin Low helped you?

Colin has always given me sound, professional advice. He always highlights the risks and has complete authenticity in his advice. I feel utterly confident that Colin and his team will do the very best for my investments. Colin seeks to find out whats important for you personally as well as financially. The communication from his company is always excellent and the morals and culture which he has instilled in the company are equally another reason I have so much trust in him.

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?

We have known and dealt with Colin for many years. Initially it was to invest in pensions.

How has Colin Low helped you?

Colin has demonstrated his expertise over the years in a number of areas.

Have you seen the outcome you were hoping for?

Yes, subject to the vagaries of the UK economy. Colin can’t control those!

What could they have done better?

I’m rather perplexed as how to answer this. We don’t know what we don’t know.

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

How has Colin Low helped you since your last review?

He has facilitated drawdown to enable giving to grandchildren. He has advised on the best mix of investment of pension and other savings funds,

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

How has Colin Low helped you since your last review?

Pension planning g.

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

How has Colin Low helped you since your last review?

I’ve been kept informed by Phone and Email and have had progress reports and he has always responded promptly to any questions that I have had.

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

How has Colin Low helped you since your last review?

in addition to all the above comments in November 2023 Colin has also given sound advice on CGT issues

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

How has Colin Low helped you since your last review?

My brother died and I needed advice on how best to invest the inheritance.

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

How has Colin Low helped you since your last review?

Ongoing excellent advice that is so helpful.

Please provide a brief comment about your experience with Colin

I found Colin easy to talk to and he seemed efficient and knowledgeable. We haven't yet scheduled a meeting but he has sent through a secure service by which I can provide information to maximise the benefit when we do meet.

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

I initially looked for financial advice when, as I started a family, I needed advice for planning for the future, particularly as I had little pension at that point.

How has Colin Low helped you?

Colin has met with me regularly, known and understood as my financial situation changed over the years and has given all the appropriate advice on how to plan for the future and invest assets wisely.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything more Colin or his team could have done better.

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

inheritance/savings

How has Colin Low helped you?

nine years

Have you seen the outcome you were hoping for?

yes

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

I had had a financial advisor when living in Leicester, but as retirement appeared on the horizon it made sense to consider again our options for the investment of our savings and pension funds.

How has Colin Low helped you?

Colin helped us to consolidate and invest our funds, with a clear view to future provision within the framework of our convictions and values. His advice has enabled us to balance growth with security of funds, and has been particularly helpful through the recent period of economic turmoil.

Have you seen the outcome you were hoping for?

Yes, despite the challenges of the recent years we have adequate provision for our foreseeable future needs.

What could they have done better?

To do better, Colin would have needed a crystal ball that could have enabled him to predict the global COVID pandemic and its economic effects, along with the steps and missteps of successive inhabitants of 10 and 11 Downing Street.

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

I got divorced and the law dictates that with pension sharing I would need a Financial Adviser

How has Colin Low helped you?

Colin has stepped in when there have been difficulties with my designated Adviser and not only reassured me but made sure I was well looked after.

Have you seen the outcome you were hoping for?

Bearing in mind the financial climate of the times I am largely happy with the outcome.

What could they have done better?

I was let down by two advisers and wish there had been a better monitoring process in place so that I had better advice and more consistency

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

Personal incompetence

How has Colin Low helped you?

Trust him and the team to advise on our situation

Have you seen the outcome you were hoping for?

Generally excellent through difficult time

What could they have done better?

Remind us more to pull our finger out

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

I was looking for an adviser with a more diverse set of proposals than my existing adviser.

How has Colin Low helped you?

Helped to consolidate a rather rambling set of investments into something a little more streamlined and also a set of investments with more regular updates in terms of asset allocation, sector allocation etc. - basically a more active approach than I was getting before.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that springs to mind.

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

Having to stop working due to chronic illnesses and needing to take retirement much earlier than expected.

How has Colin Low helped you?

Given to me an overall plan of what the future will look like and given to me a confidence that the pensions and other assets that I have will be able to support me into retirement.

Have you seen the outcome you were hoping for?

Yes, undoubtedly.

What could they have done better?

Not much. Extremely helpful all the way through and ongoing.

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

We were introduced to Colin Low many years ago when he took over from our previous adviser on the latter’s retirement.

How has Colin Low helped you?

In so many ways, too numerous to report.

Have you seen the outcome you were hoping for?

Yes.

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

After I was widowed my financial affairs became much more complicated and I was ill-equipped to make investment decisions.

How has Colin Low helped you?

He has helped me to decide on my requirements, risk assessment, investments and future care needs.

Have you seen the outcome you were hoping for?

I feel reassured that my situation is stable and comfortable in uncertain times.

What could they have done better?

I have had no cause for dissatisfaction.

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

Imminent retirement and the need to maximise our investments and income.

How has Colin Low helped you?

Extremely sound advice, both initially and ongoing. This has enabled us to relax and not be concerned about our financial position on a daily basis.

Have you seen the outcome you were hoping for?

Yes. Probably better than expected really.

What could they have done better?

Nothing we can think of. It's been great.

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

I was seeking a trusted financial advisor for planning investments, savings and pensions.

How has Colin Low helped you?

Colin and his team helped understand our needs and circumstances, outlined our options and ensured every detail was clearly understood. We’ve been delighted with Colin’s expert support and can highly recommended him.

Have you seen the outcome you were hoping for?

Yes

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

I had some capital to manage and invest

How has Colin Low helped you?

Colin has helped me to manage my capital with a view to long term protection and increase. Throughout the difficulties in the financial markets in the past 3 years, Colin has given me sound advice and kept me informed of the situations.

Have you seen the outcome you were hoping for?

Things have been difficult for financial advisers. The outcomes have been constantly changing and so too my hopes!

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

Inheriting a substantial amount of money

How has Colin Low helped you?

As someone with no experience in handling large amounts of money Colin was very helpful in explaining different options available in terms that I could understand

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing as far as I am concerned

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

I've always been inclined to invest surplus funds and to give some priority to pensions. As my occupational income increased, it seemed natural to seek advice and guidance on investments and pensions.

How has Colin Low helped you?

I have really come to trust and value Colin's advice. He has always taken the time to understand mine and my families most important priorities and to offer advice on how these can be best supported by effective financial plans. This has included invaluable advice on the needs of elderly dependant relatives at very stressful times as well as help with savings plans for our grandchildren.

Have you seen the outcome you were hoping for?

Despite the very volatile state of global financial markets, the results of investments have been good.

What could they have done better?

I can't really identify any areas for improvement; this is probably due to the very strong priority given by Colin to regular performance reviews and his availability when issues requiring attention arise.

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

Previous advisor retired and recommendation.

How has Colin Low helped you?

Retirement SIPP and stocks and shares isa investments.

Have you seen the outcome you were hoping for?

Investments not done as well as hoped for but this has been a trend for some years in the money markets. Colin has kept us well informed and advised us accordingly.

What could they have done better?

Nothing, very good service from Colin and his staff.

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

Seeking a trusted advisor to manage our investments. Our then, advisor, left the bank and we knew Colin.

How has Colin Low helped you?

Through good advice we have been very happy with our investments.

Have you seen the outcome you were hoping for?

During the difficulties of the last few years, his advise has seen our investments perform better than expected.

What could they have done better?

Advice and communication is excellent.

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

My late husband and I were in business together and therefore needed an pension plan for ourselves

How has Colin Low helped you?

We had very good advice and have managed to have a good lifestyle in the 23 years since we ceased working.

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?

We needed sound advice from a trusted financial adviser, to help us navigate pensions and investments.

How has Colin Low helped you?

Colin has helped us setup investments that meet our needs from pensions to ISAs and other tax efficient investments. He has helped explain things well and is always available for advice.

Have you seen the outcome you were hoping for?

Generally yes, taking into account the financial situation around the world. Colin has navigated things really well.

What could they have done better?

They do a really good job!

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

I was approaching retirement & wanted an expert to look after my investments & pension fund rather than myself.

How has Colin Low helped you?

Since 2017

Have you seen the outcome you were hoping for?

Broadly I have.

What could they have done better?

Performed slightly better, though markets were invariably difficult to call

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

Retirement of previous advisor.

How has Colin Low helped you?

Given us confidence and we trust his judgment in handling our finances.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that we know of especially in the present circumstances of the world.

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

In the early days, needing to think about future retirement plabs

How has Colin Low helped you?

Has always been there should advice or a question need answering.

Have you seen the outcome you were hoping for?

Yes, could always want more but all depends on t he markets

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

Felt old advisory not looking after us.

How has Colin Low helped you?

Sensible practical advice with the human touch

Have you seen the outcome you were hoping for?

Yes

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

Previous advisor emigrated and I knew Colin from local networking groups.

How has Colin Low helped you?

Colin has consolidated and simplified our mixture of pension savings and has also helped with some savings advice.

Have you seen the outcome you were hoping for?

Notwithstanding the market turmoil of the past few years, Colin's advice has protected our investments and achieved growth.

What could they have done better?

Colin's approach has been cautious when making key changes in reaction to markets & trends. Perhaps more prompt responses may have benefited my portfolio, but there again, I'm not sure!

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

Requiring long term help and advice for financial planning. Creating a strategy to simplify investments.

How has Colin Low helped you?

Colin has achieved the objectives and over the years has provided sound professional advice.

Have you seen the outcome you were hoping for?

Yes . Colin is a trustworthy expert in all areas which affect my finances.

What could they have done better?

I don't believe there is anything .

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

Pensions and investments are a complicated arena in which I wanted advice.

How has Colin Low helped you?

Colin has secured the level of income required

Have you seen the outcome you were hoping for?

Yes most definitely.

What could they have done better?

Very little in this challenging time of low interest rates

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

Retirement.

How has Colin Low helped you?

Investments, six monthly reviews answering any questions.

Have you seen the outcome you were hoping for?

Kept up to date, so no shocks. Markets have been struggling.

What could they have done better?

Can't think of anything.

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

Retirement and decisions over what to do with my pension pot.

How has Colin Low helped you?

Colin and I discussed the various options to help me decide how to plan my finances after ai had retired from work.

Have you seen the outcome you were hoping for?

Yes, exactly.

What could they have done better?

Nothing.

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

Investing my retirement fund

How has Colin Low helped you?

With great advice and dealt with my fund transfer

Have you seen the outcome you were hoping for?

Yes so far

What could they have done better?

Nithing

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

Advice was required to access a current pension and transfer the funds into a new pension in order to make additional payments.

How has Colin Low helped you?

After discussing my requirements, Colin was able to set up the new pension and transfer the funds. Colin was extremely thorough in ensuring that the funds were invested as directed and is always available to help when needed.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I am completely happy with the service provided.

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

Redundancy, retirement and pension transfer advice

How has Colin Low helped you?

Colin helped by giving me comprehensive information regarding my options when I was considering taking voluntary redundancy. This included what the tax implications of taking money from my pension would be and when would be the optimal time to start taking income from it. Transferring my fund out of a final salary pension scheme was a huge decision but Colin presented all the implications clearly and helped me see a clear way forward that suited my my families needs.

Have you seen the outcome you were hoping for?

Yes, despite Brexit and Covid.

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

On retirement we were looking for advice to secure our income

How has Colin Low helped you?

Helped us established our income requirements, and based on the level of risk that we were comfortable with, he then constructed and implemented a portfolio of investments that are both, tax efficient and meet our income needs

Have you seen the outcome you were hoping for?

Yes. The percentage returns on our original investments have met; and in some cases, far exceeded our original goals

What could they have done better?

The web based platform for accessing portfolio and investment information has not been as good as we were expecting and needs further fine tuning

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

Changing circumstances meant I needed to take control of my pension and create flexibility. Also needed investment advice and management within the family.

How has Colin Low helped you?

Listened, recommended a solution to meet my needs.

Have you seen the outcome you were hoping for?

Excellent. Been able to use m pension fund creatively and help me plan my future appropriately.

What could they have done better?

Nothing.

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

Our personal finances were becoming more complex, and we were becoming increasingly aware of our own incompetence in managing them!

How has Colin Low helped you?

Having gained a detailed understanding of our financial position, our risk appetite and our needs, in both the short and long term, Colin provided clear and sensible advice for us to consider. The advice included investment and drawdown options, and completely met our needs and circumstances.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. We are very happy with the service that continues to be delivered.

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

We have always been prudent with our finances. Many years ago, we first approached a financial advisor when we needed guidance on private pensions and when were beginning to consider extending our savings to include 'non-cash' products.

How has Colin Low helped you?

Since we have been Clients of Colin, he has helped us to continuously focus on our short, medium and long term financial objectives and our appetite for risk, when helping us to select appropriate investments.

Have you seen the outcome you were hoping for?

We have been Clients of Colin for many years now and despite some turbulent times, the results achieved have exceeded our expectations, particularly given our cautious attitude to risk.

What could they have done better?

We have come to highly value the very professional, personal service we receive from Colin. He always takes the time to understand our changing circumstances and financial objectives; we have a high level of trust in his advice. The consistently good results achieved has meant that we haven't considered how things could be improved as we are entirely satisfied with the service we receive.

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

Transfer of a pension fund into a Sipp

How has Colin Low helped you?

Made it possible

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?

Enforced early retirement due to ill heath.

How has Colin Low helped you?

Assessing existing pensions for performance and advising on other investments providing flexibility that are more suitable to our ongoing requirements. Providing helpful illustrations of income/expenditure for future years.

Have you seen the outcome you were hoping for?

Yes

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

Invest funds for pensions and investment income

How has Colin Low helped you?

Invested funds in a broad range of investments relating to the risk we felt comfortable with. ISAs, SIPP, General Investments, Venture Capital Trust and Onshore Bond.

Have you seen the outcome you were hoping for?

Yes. Protected the funds through difficult times and continued growth over the medium term. Providing income during retirement.

What could they have done better?

Nothing really. Very happy with the service.

How has Colin Low helped you?

.

What could they have done better?

.

How has Colin Low helped you?

We have known Colin for over 10 years and he has proved to be efficient and informative in all our meetings

How has Colin Low helped you?

My wife and I have dealt with Colin Low, through Kingsfleet Wealth, for a number of years and have always valued and been impressed with his knowledge and vitality. He and his company have managed our account with care and prudence and given good advise not only concerning our investments/pension but in general financial planning. We have no hesitation in recommending him and his company.

How has Colin Low helped you?

He has kept me up to date with financial trends and has offered regular reviews of my investments.

How has Colin Low helped you?

i have known Colin for at least 6 years and during that time he has dealt with many aspects of my investments, pensions and tax planning; all of these have been handled with the utmost professionalism and integrity.

What could they have done better?

Difficult to think of anything!

How has Colin Low helped you?

Colin and his team provide a very professional service and I would have no hesitation in recommending them to anyone looking to have their finances managed. Colin goes to great lengths to ensure that he fully understands your financial requirements and attitude to risk. He provides regular face to face contact to provide updates on your investment performances as well as checking for any changes in your financial position. He always gives time to explain details without any pressure. The Kingsfleet Wealth charges are clearly described.

How has Colin Low helped you?

Colin takes care of my financial affairs and the investments have all returned positive growth.

What could they have done better?

Not applicable

How has Colin Low helped you?

Always gives clear and accurate advice to suit my needs. Kingsfleet are always available and quick to respond.

How has Colin Low helped you?

Helps to understand management and mitigation of risk factors considering your personal circumstances; adjusting the portfolio as circumstances change.

How has Colin Low helped you?

Understands my long term financial aspirations and plan. Suggests products appropriate to my risk profile. I'd very good at helping minimise the paperwork and also very responsive.

How has Colin Low helped you?

Approachable, easy to understand and friendly advice.

How has Colin Low helped you?

Great at explaining options for investments, particularly in relation to draw down pensions.

How has Colin Low helped you?

My investments are very modest but Colin dealt with them courteously and professionally.

How has Colin Low helped you?

Listens to all you require and gets reliable quotes, Then thoroughly and honestly explains all that is involved. We felt very confident with his advice. We have been happy to recommend his service to others.

How has Colin Low helped you?

Colin is always very helpful,explains throughly make things easy to understand.our pension fund is looked after very well.

What could they have done better?

We can not think of anything!

How has Colin Low helped you?

We receive regular reviews from Colin. He carefully monitors the performance of our investments and recommends any changes he feels necessary.

How has Colin Low helped you?

Colin has been very helpful in discussing my future needs, reviewing my current pensions and explaining them. One particular private pension was extremly difficult to understand due to the way the information was supplied. I was pleased to discover that I had more money invested than previously thought due to it being 'split' into high and low risk policies. The report that was compiled for me was thouroughly proffesional in appearance and content. He submitted a claim on my behalf against one of my pensions which has since been upheld by the company and is currently being reviewed in relation to compenstaion. His cheerful friendly manner makes what is a very confusing subject a more pleasant experience.