Chris Wheatman

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

I needed to relocate my pension and transfer to a better pension provider.

How has Chris Wheatman helped you?

Chris has really helped me to relocate all my pensions funds, private & working pensions and consolidate them into one big pension pot. Chris took care of this for me very professionally.

Have you seen the outcome you were hoping for?

I have already seen the benefits of Chris's work and wish i did this sooner.

What could they have done better?

I don't think they could have done things any better.

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

Redundancy

How has Chris Wheatman helped you?

Investments

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 us with our monies during our working our working life

How has Chris Wheatman helped you?

With excellent advice in all aspects of our money

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing we know of

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

Investment advice after the sale of a property

How has Chris Wheatman helped you?

Sorted out the best type of investment to give the return we needed

Have you seen the outcome you were hoping for?

Yes, undoubtedly

What could they have done better?

As far as we are concerned the advice has been excellent

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

Going back a lot of years now I felt i had to look after some inheritance i had received, i turned to Chris for his advice and help and have been with him ever since.

How has Chris Wheatman helped you?

Guidance with investments always on the end of a phone or get back to me soon after.

Have you seen the outcome you were hoping for?

Its been a difficult number of years for the country as a whole , I think I have weathered the years as best as I could with help from Chris.

What could they have done better?

Gosh good question, don't want to be glib but a crystal ball would be handy, I think I have come through as best as could.

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

To do some proper long term financial planning.

How has Chris Wheatman helped you?

He has saved us a lot of money by alerting us to possibilities we wouldn't otherwise have been aware of. He's talk there trouble to get us know and our family and understand the aspirations we have for the future.

Have you seen the outcome you were hoping for?

Yes.

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

Long standing relationship with Chris even before retirement.

How has Chris Wheatman helped you?

Financial stability.

Have you seen the outcome you were hoping for?

Our longstanding ongoing relationship speaks for itself.

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

Retirement planning.

How has Chris Wheatman helped you?

He has made a complex subject very clear and easy to understand bringing clarity and understanding to our retirement scenario allowing us to make decisions.

Have you seen the outcome you were hoping for?

Most certainly, yes.

What could they have done better?

Nothing.

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

Approaching retirement

How has Chris Wheatman helped you?

Produced a financial forecast and advice on retirement planning

Have you seen the outcome you were hoping for?

So far yes

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

We had money which we required advice on.

How has Chris Wheatman helped you?

Recommended where to invest

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?

Initially retirement planning and then ongoing an income stream.

How has Chris Wheatman helped you?

He has advised me accordingly and invested as we have discussed, giving me drawdown availability.

Have you seen the outcome you were hoping for?

Yes and my expectations have been exceeded

What could they have done better?

Nothing

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

Retirement planning.

How has Chris Wheatman helped you?

Chris has helped us understand the complex nature of retirement planning and enabled us to put plans in place giving us complete peace of mind.

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 been self employed and sold our business we needed advice on investment of capital for the future

How has Chris Wheatman helped you?

Advice on investments and inheritance tax planning

Have you seen the outcome you were hoping for?

Yes, very much so despite the ups and downs of interest rates

What could they have done better?

In our view they have more than met our requirements

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

I just needed advice on moving money

How has Chris Wheatman helped you?

Not only has chriss he.ped me with finances he has helped me with power of attourney

Have you seen the outcome you were hoping for?

Not yet as it has been a bad 2 years since the war with Ukraine but on the right track now

What could they have done better?

Nothing really no one expected the war in ukraine

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

Redundancy and early retirement

How has Chris Wheatman helped you?

Provided a clear and coherent plan to consolidate my pensions and maximise the benefits from my redundancy. Chris and his team provide a friendly and efficient service , with sensible advice on how to navigate the challenges of investment decisions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to recommend

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

We are nearing retirement he and have used Chris over the last 10 years

How has Chris Wheatman helped you?

He’s helped us understand our pension arrangements

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure.

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

It was many years ago that we realised that our particular circumstances required a more independent and professional attitude with regard to our financial affairs.

How has Chris Wheatman helped you?

Over the years whilst working and continuing into our retirement Chris has steered us down the sometimes difficult and often complex path necessary to obtain a satisfactory financial outcome.

Have you seen the outcome you were hoping for?

We are very happy with our current financial situation.

What could they have done better?

At the present time we feel there is nothing we could suggest to improve our situation.

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

We have been with Chris for many years since we were in business.

How has Chris Wheatman helped you?

He helped us through retirement and making plans for the future.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

In the present financial world situation, I do not think it would have been possible to do better.

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

We had several private pensions each and were seeking advice on how to make the most of them.

How has Chris Wheatman helped you?

Chris has helped us to navigate the often confusing world of pension options, and has helped us to plan our retirement income

Have you seen the outcome you were hoping for?

Yes; we have been able to consolidate our multiple pensions into one simple account each

What could they have done better?

Nothing really - I wish they had been recommended to us earlier!

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

We were self -employed when we first asked for help in planning for our future

How has Chris Wheatman helped you?

He sorted out our pensions and advised us on investments after selloing our property

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We have been more than satisfied with the advice given over ther years

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

Ongoing advise regarding income following my retirement.

How has Chris Wheatman helped you?

Advised me on my choice of investment opportunities to enable me to create an income during retirement.

Have you seen the outcome you were hoping for?

Yes - although the World Economic Environment is not particularly positive

What could they have done better?

Nothing

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

Moving house to a smaller property

How has Chris Wheatman helped you?

Advice on investment and long term planning for family reasons

Have you seen the outcome you were hoping for?

Yes - more than!

What could they have done better?

In my view...nothing

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

I had recently come out of a divorce, the property we owned being split in two I had money that i wanted looking after while i sorted myself out. It was Chris I turned to for help and advice.

How has Chris Wheatman helped you?

Since those early days there have been many ups and downs in my life, as every person does I must say. Chris has been with me every step on the way, twice a year personal visits to review my situation and any time I may have a query to get in touch via email or phone.

Have you seen the outcome you were hoping for?

Gosh what a question, i could mention lots of things that have rocked the UK boat these last 20 years, I do feel that I have come through as well as I could hope for.... better things to come? I hope so.

What could they have done better?

Unfair question if i might say so, world events like wars and the problems with Europe have held us back.

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

I was introduced to Chris whilst working for a company in Lancaster, he was engaged by the company to advise employees on pensions and investment savings, more than 30 years ago.

How has Chris Wheatman helped you?

Chris has helped and guided me to invest for our future through pension advice and share ISAs ' He has given advice on Wills to provide for our offspring when we are no longer here, and continues to advise us on investments and pensions by way of

Have you seen the outcome you were hoping for?

Chris's advice over the years has resulted in us being able to fund a complete refurbishment of our house in preparation for our imminent retirement. His ongoing pension advice and regular meetings have shown where we are likely to be financially at retirement, which is reassuring and very helpful.

What could they have done better?

I am very happy with all that Chris and Advice Matters have done for me over the years

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

The need for professional advice on all matters with investment matters and pension planning

How has Chris Wheatman helped you?

Consistently sound advice, he gets to the bottom of your needs and has been a great support with his knowledge and recommendations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very little

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

I came into an amount of money

How has Chris Wheatman helped you?

Chris helped me by explaining the best way to invest my money

Have you seen the outcome you were hoping for?

Not yet but early days

What could they have done better?

Nothing

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

Having been self employed all working life needed advice on investment for retirement

How has Chris Wheatman helped you?

He does what he promises to do and has worked with us over many years to ensure a secure retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We fully believe that with current market trends they have achieved the best possible results

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

I needed to start my own personal pension and wanted professional guidance through the options available.

How has Chris Wheatman helped you?

Chris has worked with us over the last thirty years in building an early retirement plan using pension and other investments vehicles that allowed a successful early exit from working.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really, we stay in touch as and when needed but we also have a couple of face to face reviews every year to monitor how things are performing and what if anything we need to do. The software programmes used for planning where to drawdown from is really very helpful.

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

When I was in business

How has Chris Wheatman helped you?

Enormously

Have you seen the outcome you were hoping for?

Definitely yes

What could they have done better?

Nothing

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

Complex issues caused by unexpected responsibility for our grandson

How has Chris Wheatman helped you?

Sorted out our inheritance tax and helped secure a retirement income

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They could not have done better in our view

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

To sort out our pensions and advice on financial matters

How has Chris Wheatman helped you?

Chris sorted both pensions and gave us good advice

Have you seen the outcome you were hoping for?

Yes, everything is much more organised and easier to understand

What could they have done better?

Not much really

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

In our mid 40's we were at an age where Finances were becoming a priority for us to consider for our long term security. We had a number of different pension pots and finance accounts that we wanted to consolidate.

How has Chris Wheatman helped you?

At our first meeting with Chris he initially reviewed what we had, then gave us options to improve the performance of our finances. He conducted a Risk Profile for each of us which allowed us to consider the options that we would be most comfortable with.

Have you seen the outcome you were hoping for?

Chris has been our financial advisor for nearly 30yrs and we have certainly achieved what we had discussed and hoped for in those early days. We are now of retirement age and are able to enjoy a level of financial security which provides a life style that we can enjoy.

What could they have done better?

Nothing.

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

I approximately 30 years ago I was working as a salesman for a Timber trading company and my employer suggested that I meet with with Chris as he managed our company pension scheme.

How has Chris Wheatman helped you?

He gave excellent advice for forward financial planning and helped set up a share ISA for regular saving, this has enabled me to carry out recent extensive refurbishment of my home.

Have you seen the outcome you were hoping for?

I have been very happy with the growth of the fund, and would not have been able to do the work had the investment been in a regular bank account.

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

Professional advice

How has Chris Wheatman helped you?

Constantly updating us with all relevant information.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Pleased with the existing service.

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

We looked for a knowledgeable advisor with a long term connection

How has Chris Wheatman helped you?

For many years

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Unknown

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

Planning for retirement

How has Chris Wheatman helped you?

Planning for retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Excellent service, couldn’t be better

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

Needed someone to help and advise with my husband and my pensions

How has Chris Wheatman helped you?

Chris talked us through everything and explained how we could manage the pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure

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

Chris has been my families IFA for over 10 years- recommended to me by a business partner

How has Chris Wheatman helped you?

Chris and his team have always been very professional, approachable and have offered excellent advise and recommendations our best interest clearly of paramount importance to him

Have you seen the outcome you were hoping for?

yes

What could they have done better?

very satisfied with all matters

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

Pension following retirement from self-employment

How has Chris Wheatman helped you?

Guidance on investments to achieve a satisfactory level of income

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, we have been more than satisfied with Chris' advice

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

Through our Business Jeffrey and Rigg

How has Chris Wheatman helped you?

With ALL our finances

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?

Approaching retirement

How has Chris Wheatman helped you?

To look into the future and help to plan our last few years of working

Have you seen the outcome you were hoping for?

More or less. The planning aspect was excellent

What could they have done better?

Slow response of back office wrt investments, and/ or confusion about who was doing what. It seemed the back office was under resourced, either that or Comms with Chris inefficient.

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

Assurance that your finances were well planned and sufficient for our retirement.

How has Chris Wheatman helped you?

He has invested a lot of time over a long period to get to know us, our circumstances and our goals and aspirations. In this way he has been able to offer us very specific help directly related to our situation. Chris is also very easy to deal with as are his back office team.

Have you seen the outcome you were hoping for?

Yes - definitely.

What could they have done better?

Can't think of anything - I am a happy client!

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

I was unaware what to do with my savings,

How has Chris Wheatman helped you?

By visiting me at home and explaining everything to me in a language l could understand and have to invest to my best ability.

Have you seen the outcome you were hoping for?

A bit difficult to answer with the economic situation off the country at present.

What could they have done better?

I don’t know

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

personal incompetence

How has Chris Wheatman helped you?

yes

Have you seen the outcome you were hoping for?

no, but it's not under your control with a government like ours

What could they have done better?

nothing

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

Change in personal circumstances.

How has Chris Wheatman helped you?

Yes. Ongoing currently.

Have you seen the outcome you were hoping for?

Ongoing.

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

Sale of a larger property left funds that we needed to invest for future pension planning

How has Chris Wheatman helped you?

Putting in place investments to secure financial security

Have you seen the outcome you were hoping for?

Yes, definitely

What could they have done better?

We were more than pleased with Chris's helpful advice without putting us under any pressure

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

I was late 20’s and had no pension of any value, I needed to plan ahead and started working with Chris to make a plan. I retired early this year

How has Chris Wheatman helped you?

Planning pensions and various savings over the years

Have you seen the outcome you were hoping for?

Absolutely, early retirement with a good fund behind me.

What could they have done better?

Nothing I can think of.

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

As we reaching retirement age we needed support and guidance as to secure an income for our retirement. The initial task was for Chris to locate all my husbands pensions, there was rather a lot.

How has Chris Wheatman helped you?

Chris was patient, reassuring, helpful and kind, straight away we trusted him to be the right person to help us. He has done just that and has located all the pensions and we are now moving to the next phase with him.

Have you seen the outcome you were hoping for?

Absolutely, above and beyond what we were hoping for.

What could they have done better?

Absolutely nothing, the service and support has been fantastic

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

Chris had been the Pension Advisor at the company where my wife worked and advised her on how to structure her company pension for which she was very satisfied. As a result, we left our current Advisor and moved to Chris..

How has Chris Wheatman helped you?

He has helped with clear advice following my wife and my risk profiles as to where we should invest.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I do not think he could have done anything better.

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

In the past I managed any savings myself. When I received a legacy I thought that a financial adviser would be better placed to maximise my monies.

How has Chris Wheatman helped you?

Bi annual and ad hoc meetings to advise me of the financial situation and advice on any investment changes that were necessary.

Have you seen the outcome you were hoping for?

Generally my financial objectives have been realised. However the vagaries of the financial market means that sometimes the value of the investments are outside the control of the financial adviser.

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

Complex financial affairs regarding our disabled son and our own ongoing financial planning.

How has Chris Wheatman helped you?

Chris has given us the reassurance and financial planning enabling us to enjoy a reasonably comfortable living.

Have you seen the outcome you were hoping for?

Currently we are in the same financially stable condition that we have enjoyed for several years under Chris's guidance.

What could they have done better?

We have not needed any improvements to the planned objectives.

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

We had some redundancy money to invest and were recommended to contact Chris Wheatman for advice.

How has Chris Wheatman helped you?

Recommended where to invest, with our risk assessment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Don't know, we are happy with the results

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

My husband and I needed advice on our finances

How has Chris Wheatman helped you?

He help organise our finances and plan for our retirement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think anything.

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

We inherited some money and wanted it to help provide for our future

How has Chris Wheatman helped you?

He gave us choices and let us decide how we wanted to proceed

Have you seen the outcome you were hoping for?

Yes .I am very satisfied

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?

Retirement and sorting out an income stream.

How has Chris Wheatman helped you?

Advised me on setting up a retirement income.

Have you seen the outcome you were hoping for?

Yes, although the market place has seen a significant decline in value due to COVID and the Ukraine war, I am still satisfied that the retirement account is still working for me.

What could they have done better?

Nothing to my knowledge.

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

I had funds to invest that i felt i needed more care than just what a Building Society deposit would give me.

How has Chris Wheatman helped you?

We meet up every six months to spend time going over if my needs have changed and what, if anything, we may do to alter my investments for better return.

Have you seen the outcome you were hoping for?

Over the last 20 years or so things have changed an awful lot, investments had a good return but for reasons everybody knows things have not been great these last years. I think the outcome has to be viewed with realism, I think its been as good as it could be.

What could they have done better?

Very hard to come up with anything, my requests have always been dealt with, i have complete confidence in his service.

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

Professional Advice

How has Chris Wheatman helped you?

In many fields

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 have been with Chris for so long I cannot remember the circumstances, but the financial advise after all these years is still very valuable

How has Chris Wheatman helped you?

Chris has pointed Karen and myself in the right direction for many years, the reason we have stayed is trust. We have scheduled meetings throughout the year , but should you need to speak to Chris or his team they are always there to listen, advise and make things happen.

Have you seen the outcome you were hoping for?

I am still with Chris and his team, so it must be going in the right direction !

What could they have done better?

N/a

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

To ensure I had the right finance for retirement.

How has Chris Wheatman helped you?

Very much full confidence in his advice.

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 needed financial help as over the years I had collect alot of different private and work pensions and realsied they were probably not working the best for me and I wanted to look towards the future and providing my self with financial security

How has Chris Wheatman helped you?

Chris is very knowledgeable and professional. He works to initially understand my personal circumstance and my future objectives. Chris has consolidated my finances to ensure they work better for me and he regularly updated me via online meeting which has been great during pandemic.

Have you seen the outcome you were hoping for?

Yes I have seen the outcomes

What could they have done better?

nothing

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

With clear goals for retirement I was looking for advice on whether I was on track or if there were any changes I needed to make to maximise value and ensure i could afford to retire

How has Chris Wheatman helped you?

Great support with ensuring I had a short and medium term plan. Brought additional solutions I was not aware of to the table and gave me a robust review of my state of play.

Have you seen the outcome you were hoping for?

Yes, I am very happy with my plan and am confident I will be in the position I need to be and in the timelines I am desiring. I enjoy my interactions with Chris, he is clear and informative.

What could they have done better?

Nothing to improve from my perspective

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

Complicated financial affairs due to family commitments and looming retirement occurring simultaneously.

How has Chris Wheatman helped you?

We had known Chris for several years prior to our retirement and a close personal and financial bond had been established during this time. This allowed a smooth and generally stress free financial transition upon our retirement.

Have you seen the outcome you were hoping for?

Absolutely, we are very satisfied with our current situation.

What could they have done better?

Nothing our knowledge!

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

I believe that an expert in investments would best meet our financial aspirations.

How has Chris Wheatman helped you?

Provided financial advice in line with our financial goals.

Have you seen the outcome you were hoping for?

The outcomes are in line with the vagaries of the financial market at any one point in time.

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

After we had both retired and had nom idea how long we would live, we needed someone to guide us with an overall view of what could lie ahead.

How has Chris Wheatman helped you?

He has helped us preserve our capital and has been VERY helpful to Jennifer in protecting her Aunt's money and subsequently being very helpful after she had sadly passed away.

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?

Redundacy payment

How has Chris Wheatman helped you?

Investing our money in a tax free way and looking at drawdowns in the future.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We are very happy with his results.

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

For advice on investing our monies to keep pace with inflation.

How has Chris Wheatman helped you?

By advising on best investments to achieve our goals.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I am aware of.

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

I needed advice on my pension and savings.

How has Chris Wheatman helped you?

He gave good advice and sorted everything for me.

Have you seen the outcome you were hoping for?

Yes, very happy ?

What could they have done better?

Don't think they could have helped more.

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

Retirement planning

How has Chris Wheatman helped you?

Sorted my numerous bits of pension into one , and helped with drawdown fascility

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I prefer face to face contact but and guess it won ever revert now

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

I received a lump sum from a pension and wanted to get advice on what to do with it

How has Chris Wheatman helped you?

He helped us decide where to put the money, and also helped to plan for the future

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

Not a lot

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

Tax planning

How has Chris Wheatman helped you?

Has helped establish a portfolio of assets and given advice on estate planning

Have you seen the outcome you were hoping for?

Yes

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