Nick McCulloch

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

Pension planning

How has Nick McCulloch helped you?

I appreciate how Nick has always taken the time to explain complex financial concepts in a way that’s easy for me to understand. He was really helpful sorting and explaining my draw down. He has always been very responsive to my questions, which I value greatly.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing comes to mind. Overall very happy.

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

To maximise returns of my pensions portfolio

How has Nick McCulloch helped you?

I believe I have been with Nick for the best part of 30 years

Have you seen the outcome you were hoping for?

YES

What could they have done better?

Probably Nick knows the answer to this question

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

Needed advice on my pension and retirement planning

How has Nick McCulloch helped you?

Cash flow planning and investment of my pension investments

Have you seen the outcome you were hoping for?

Yes my investments have risen in value steadily despite the challenges to the economy, I am kept informed and can log in to get an up to date valuation. Cash flow planning was very helpful to see how long my SIPP would last based on my expectations of when I want to retire and how much I want to draw down

What could they have done better?

Nothing

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

After working for an International Chemicals Company for 45 years, the Company Pension Structure was under review by the 'new owner' of the company, and I felt that it was 'time to move on' and make my own decisions about the future of my own pension.

How has Nick McCulloch helped you?

Nick has done a great job in helping me understand my future financial planning requirements and assisted me with assessing my present financial needs.

Have you seen the outcome you were hoping for?

It has been a very positive experience.

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

I needed to sort out my finances

How has Nick McCulloch helped you?

Personal service and advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don’t know but am happy with the help

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

Starting a business and a need to consolidate pension pots for myself and my wife.

How has Nick McCulloch helped you?

Nick has been invaluable in helping us through various pensions discussions and getting best value from the market. He's helped with permanent life insurance through our business, and even managed to track down my long lost overseas pension pots.

Have you seen the outcome you were hoping for?

Absolutely and always gives practical advice against a shifting legislative backdrop.

What could they have done better?

Nothing that Nick could have done better!

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

Inherited money

How has Nick McCulloch helped you?

Offered me very good advise, with lots of different options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, very happy with the outcome.

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

Recommendation from accountant

How has Nick McCulloch helped you?

Arranging all my and my partners finances.

Have you seen the outcome you were hoping for?

Yes

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

I needed to sort out my private pension and was looking to go part time or retire early. Also I needed advice on my company pension.

How has Nick McCulloch helped you?

Nick helped me to transfer my private pension in a better fund to suit my requirements as I am hoping to take an early retirement.

Have you seen the outcome you were hoping for?

Yes, the fund Nick advised me to change my private pension to is presently doing well.

What could they have done better?

Can’t think of anything as I’m happy with what Nick did.

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

Pension

How has Nick McCulloch helped you?

In many ways!

Have you seen the outcome you were hoping for?

Yes

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

Long term planning advice and pension support

How has Nick McCulloch helped you?

Nick has helped us in our long term financial planning for many years. His advice has helped us achieve a good level of income from our pensions

Have you seen the outcome you were hoping for?

WE couldn't be happier with then outcomes we have realised

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

As I was getting close to retirement I was looking for someone to help me through the process of my pension and retirement plans.

How has Nick McCulloch helped you?

Sound advice and always on hand to answer questions and help with queries and adjustments to my plans.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Don't know, all seems good to me.

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

I was aware that I had multiple pension pots and had no idea what was in them. Wanted to explore that if they were all brought together, would the have a better result.

How has Nick McCulloch helped you?

Nick went through all my old pensions and helped me transfer them all in to one pension and went through all the ins/outs and was very clear, making sure I understood everything so nothing was hidden or a surprise.

Have you seen the outcome you were hoping for?

Yes, I'm very happy that all my old pensions are now just one.

What could they have done better?

Nothing, Nick made sure I was well looked after, right from meeting at the entrance so I didn't get lost in the labyrinth of corridors, a brew on arrival and made sure I was comfortable. Even when outside of the meeting, he kept up good communication throughout the process.

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

I went self-employed in 2017 and was looking for a financial advisor to provide advice regarding investing for my future pension. Nick at Apogee was recommended to me by a mutual acquaintance.

How has Nick McCulloch helped you?

Nick provided invaluable advice with my investments.

Have you seen the outcome you were hoping for?

Yes, I think so. My investment plan appears to be performing well in spite of the current financial situation that we find ourselves in.

What could they have done better?

Not a lot really.

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

Investment advice

How has Nick McCulloch helped you?

Excellent advice on retirement

Have you seen the outcome you were hoping for?

With a few volatile years looking forward to stronger returns in coming years