Gary Metcalf

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

Inherited funds from my father on his death. Gary was Dad's advisor and recommended him highly.

How has Gary Metcalf helped you?

Consolidation of numerous investments, setting up trust funds, inheritance planning, wills.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

more direct support regards tax implications

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

Future planning.

How has Gary Metcalf helped you?

Ensure that we have things in place for when my children grow up. Has also put protections in place should anything happen to me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of. Gary keeps in contact without being pushy. I know I can contact him and he will always respond or get back to me the first moment he can.

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

My husband and I had money to invest.

How has Gary Metcalf helped you?

He has given us the benefit of his wisdom and expertise.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

A meeting with Gary twice a year instead of yearly.

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

I am a person with a disability seeking guidance on life insurance, savings, and other financial matters. With a limited income, I found Gary to be attentive to my future needs; he visited my home and provided a thorough, step-by-step consultation.

How has Gary Metcalf helped you?

Gary demonstrated a deep understanding of my situation, helping me identify my resources and how to manage them wisely. He advised me on investments, including life insurance and savings for my three-year-old son. His warmth and expertise in this area instilled confidence in me, allowing me to feel secure entrusting my financial matters to him.

Have you seen the outcome you were hoping for?

Thanks to Gary's assistance in establishing my life insurance, saving for my son, and planning for my pension, I can now see tangible growth in my financial situation.

What could they have done better?

He fulfilled all my expectations.

Please provide a brief comment about your experience with Gary

Very informative and helpful.

Please provide a brief comment about your experience with Gary

Gary was polite, knowledgable and helpful. He knew his stuff, made the conversation personable and offered to go above and beyond what he needed to. I wouldn’t hesitate to contact him again for advice

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

Gary was appointed through a dedicated workplace scheme. Since understanding the services he can advise on, i have used his services and introduced my partner to his services also.

How has Gary Metcalf helped you?

Combine an existing Pension with my current one, assisted in getting critical illness cover and sorting out Wills for me and my partner.

Have you seen the outcome you were hoping for?

Yes, more than happy with the advice and guidance provided.

What could they have done better?

N/A

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

Various properties and pension in various places, we are looking to protect family assets and consolidate pensions

How has Gary Metcalf helped you?

By providing knowledgeable detailed advice

Have you seen the outcome you were hoping for?

Yes, excellent results

What could they have done better?

N/A

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

Clear concise advice for wealth management

How has Gary Metcalf helped you?

Clear and concise advice

Have you seen the outcome you were hoping for?

In progress- yes

What could they have done better?

No

Please provide a brief comment about your experience with Gary

Simple but excellent advice - exactly what we needed!

Please provide a brief comment about your experience with Gary

He was lovely, friendly and proffessional.

Please provide a brief comment about your experience with Gary

After giving him details of assets and accounts he explained to me very clearly about inheritance tax and if we would have to pay any or not. He put my mind at rest and said that I could ring back for information if there any changes to inheritance tax next year.

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

Wanted more rounded investments rather than just ISAs & pension planning.

How has Gary Metcalf helped you?

Diversified my investments to benefit from tax free allowances. Forecasting retirement requirements.

Have you seen the outcome you were hoping for?

It's long term investing so I don't know yet.

What could they have done better?

Some time sensitive recommendations, e.g. 'bed & ISA' should be diarised or automatic. At due date client could be reminded & asked if they wish to continue this process rather than having to ask for it to be done.

Please provide a brief comment about your experience with Gary

Very clear and precise. No blatant sales pitch

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

Approaching retirement and Gary was recommended to me.

How has Gary Metcalf helped you?

Explained complex matters in a straightforward way.

Have you seen the outcome you were hoping for?

Overall yes.

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

Pending retirement

How has Gary Metcalf helped you?

Quality advice

Have you seen the outcome you were hoping for?

Not yet, but outcome is probably all that could be expected

What could they have done better?

Not a lot

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

The best way to invest my cash

How has Gary Metcalf helped you?

Gary has helped with honest, good advice, on what I could invest my money in. He understands how much risk I am prepared to take. I trust him.

Have you seen the outcome you were hoping for?

One could always hope for more but considering the turmoil of the world etc I am pleased.

What could they have done better?

I don’t think they could have done better.

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

Having become self-employed, I wanted to consolidate all my various pensions and move them from the many pension schemes belonging to companies that I had worked, into 1 pension scheme which I would be in control of

How has Gary Metcalf helped you?

Always available for answering my questions and concerns and very knowledgeable

Have you seen the outcome you were hoping for?

Yes - I have a better understanding of how my pension is performing

What could they have done better?

Cant think of anything

Please provide a brief comment about your experience with Gary

Nice guy, listened to what I wanted and supplied me with all the information to make an informed decision

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

I had multiple pension pots and when taking on a role with a significantly enhanced salary I sought some first class advice as to how I could plan my financials better.

How has Gary Metcalf helped you?

Pensions consolidated and invested in a much more suitable scheme

Have you seen the outcome you were hoping for?

Returns have been greater than I'd have ever dreamt of in my previous pension pots

What could they have done better?

Nothing

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

Reached retirement age.

How has Gary Metcalf helped you?

Didn't think I had enough to retire on but Gary showed me clearly that I could. Handing in my notice the next working day was sweet. Going forward, his uplifting and highly motivational advice has enabled me to manage my resources much more efficiently and enjoyably. He is a deluxe wealth manager. You get a lot of extras for your money!

Have you seen the outcome you were hoping for?

Financially not yet because of world events in recent years. In terms of my personal financial management and resultant lifestyle choices, I have achieved very positive outcomes.

What could they have done better?

Nothing.

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

Needed advice on pensions

How has Gary Metcalf helped you?

Yes looked at options and made recommendations

Have you seen the outcome you were hoping for?

Redommendations have been acted on. Little too early to say if re outcomes

What could they have done better?

Nothing

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

Retirement and pension planning and advise coupled with wealth protection, estate and inheritance planning.

How has Gary Metcalf helped you?

Provided a drawdown pension plan by consolidating a number of my pensions and developed a forecast that is aligned to my personal financial objectives whilst maximising tax benefits.

Have you seen the outcome you were hoping for?

Yes, drawdown pension set up whilst maximising tax benefits. Details were explained to me in a simple to understand manner with access to supporting data for forecasting purposes when I asked for this level of information. I can now monitor my pension closely with the knowledge that I can call upon Gary's support at any time should there be any queries.

What could they have done better?

Nothing that comes to mind, all my requirements and queries have been addressed.

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

Retirement Pension investment.

How has Gary Metcalf helped you?

Gary has been very helpful with guidance on my Retirement income.

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?

Recommended by a friend

How has Gary Metcalf helped you?

Recommended the company I am invested with.

Have you seen the outcome you were hoping for?

Not as good as I had hoped, but acceptable.

Please provide a brief comment about your experience with Gary

Only spoke to Gary briefly, but he seems to know what he is talking about! if i need any help or advice will certainly get back in touch with him.

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

My husband passed away and I needed help with financial matters

How has Gary Metcalf helped you?

Gary has been amazing , really helpful and supportive with advice for me and my son

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Na

Please provide a brief comment about your experience with Gary

I had a short telephone conversation with Gary, he answered my questions clearly and allayed my concerns about inheritance tax. Appreciated the opportunity to talk to him without being pushed into any further commitments. Thank you Gary

Please provide a brief comment about your experience with Gary

I was worried about inheritance tax and aware that there were things my family should have done a few years ago - which at the time we didnt know we had to do.Gary gave clear and concise information, put my mind at rest and took a weight off my shoulders. He was easy to talk to, offered to send an information pack, went over and above, would thoroughly recommend him .

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

Had an adviser for quite some years and when they retired we were referred to Gary.

How has Gary Metcalf helped you?

Always felt we had sound advice especially for our retirement plan.

Have you seen the outcome you were hoping for?

At present, yes.

What could they have done better?

Nothing,

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

Back in 2008 I already had an Equitable Life pension savings plan from a previous employment but following their collapse I felt frozen not knowing what to do. At that time I worked for one of the 'big banks' which was greatly affected by the financial collapse in 2008 and consequently was going through a very worrying time. I saw an advert for 'Gemini' who were based where I lived and decided to make an appointment and I have been a client ever since.

How has Gary Metcalf helped you?

Gary effectively took over my worries. He arranged for the pension to be transferred to a new managed one and also arranged transfers for a couple of ISA investments I had. Since I only had a few years before I wished to retire I took Gary's advice not to be too risky with these investments. I have continued to invest into the ISA's over the years and when I was fortunate to receive an inheritance I turned to Gary again. He has advised different types of investments and I will now be looking at IHT plans. I have meetings usually every 6 months but Gary is always at the end of the phone to answer questions and offer advice even during the chaotic Covid period which was very important for many people.

Have you seen the outcome you were hoping for?

Yes - my pension performed well and my other investments also. I suppose I could have taken higher risk investments but felt I didn't have the years to ride out any storms (and there have been a few) and it would have been a gamble and a worry which I wanted to avoid. I wished to preserve what capital I had and take a balanced approach. Whilst I am 'investment savvy' Gary has taken the worry from my shoulders in what is a minefield.

What could they have done better?

Not sure really.

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

I was clearly lacking an 'independent ' advisor and needed to find exactly that. I had spent far too long attached to a couple of well known companies with our varying policies.

How has Gary Metcalf helped you?

I met Gary giving a presentation about 12 years ago and knew instantly that I could trust him with our finances. The biggest bonus however was that he has left me feeling comfortable in that I can focus on other things like running my business and the pitfalls of ageing (plus a few medical complications thrown in) but knowing that finances are in good hands and not taking up my time. We meet up about every nine months face to face where Gary explains things very clearly to my husband and usually any quick questions between can be sorted out with a very brief call or text leaving him and us free to get on with our daily worklife.

Have you seen the outcome you were hoping for?

Yes - of course the past few years have brought some highs and lows with finance but considering that I aim to be a medium to high risk taker I have no complaints

What could they have done better?

I can find nothing to fault Gary and his colleagues

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

I inherited some money and needed someone to advise me how to invest it.

How has Gary Metcalf helped you?

Gary has invested my inheritance for me and has also moved my private pension as the company I had been using were losing money.

Have you seen the outcome you were hoping for?

Hard to say as the impacts of brexit, covid and the war in Ukraine have affected the markets so much.

What could they have done better?

Don't know.

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

My husband and I went along to an open day held by Gemini to understand more about future proofing our financial future

How has Gary Metcalf helped you?

Pensions and investments

Have you seen the outcome you were hoping for?

I am happy with the pension advice, I cannot comment on the investments as this is my husbands domaine . I am aware that the world has gone through some challenging times recently so returns on investment will have been affected.

What could they have done better?

Not sure I can answer that as I don’t know

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

I had savings in various accounts that were not really giving me a good return. I needed to consolidate the savings in order to increase my income for the future.

How has Gary Metcalf helped you?

He advised on the various ways to make the best of my money. He explained the risks involved in all the various types of investments and the length of time that the investments were likely to be needed in order to achieve the desired results.

Have you seen the outcome you were hoping for?

Indeed I have. Even during the volatile economic times the investments made have at a minimum “held their own”

What could they have done better?

I’ve been with Gary for a number of years and can’t think of anything that could have been done better. Totally satisfied with his performance.

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

To help with pension planning

How has Gary Metcalf helped you?

Regular reviews

Have you seen the outcome you were hoping for?

We have been through some turbulent times recently and Gary has kept us informed

What could they have done better?

Not applicable

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

I was recommended by my accountant.

How has Gary Metcalf helped you?

He has allowed me to learn how to save and invest my money efficiently.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

More in person updates and communication.

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

Pension advice

How has Gary Metcalf helped you?

Consolidated and grew my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't know.

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

Having investments which gave a poor return and an advisor who was not well informed.

How has Gary Metcalf helped you?

Enormously, especially since I became widowed 15 years ago

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

I have always had full information, sound advice and good returns on my investment thanks to Gary and I have recommended him to friends.

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

Family

How has Gary Metcalf helped you?

Gary has focussed our attention on achieving a balance between living for now and planning ahead. We feel comfortable knowing that we are actively making plans 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?

Retirement planning led me to Gary after being him being recommended by my Accountant. I did a search for Gemini and Gary on my computor and elected to set up a meeting to discuss my disparate thoughts.

How has Gary Metcalf helped you?

Gary has helped massively with financial advice on pensions and retirement planning in general. We have discussed Inheritance planning as well as Wills which has helped me to put together the right plans for the future.

Have you seen the outcome you were hoping for?

The outcome has been better than anticipated as the advice taken has generated a greater pension than expected.

What could they have done better?

The advice has been excellent, the stock market performance dictates the total pot amount of a drawdown pension which has both increased and decreased. Sound advice from Gary has helped avoid any panicky moments which one gets when there is a drop in value but the previous increases show the market moves in both directions.

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

We were initially introduced to Gary through our Mortgage advisor

How has Gary Metcalf helped you?

Gary has been immeasurable in his support and help financially. Finances in life go up and down, sometimes without warning, and Gary has been there every step of the way, to help us make the best of our finances in every circumstance, good or bad, that life throws at us.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

I have to say, I cannot think of any way Gary could have been any better, we will be forever grateful for his ongoing support

Please provide a brief comment about your experience with Gary

Gary was helpful and told me what areas of my query he was unable to answer. His mobile phone cut out a number of times during our conversation.

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

I needed to discuss my pension.

How has Gary Metcalf helped you?

Yes massively, he is very knowledgeable about all market products.

Have you seen the outcome you were hoping for?

Early days yet, but I'm sure I will.

What could they have done better?

To early to make comment.

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

Wanting to save for the future and better my pension

How has Gary Metcalf helped you?

He has been helpful and always available with any questions we had.

Have you seen the outcome you were hoping for?

Yes, we are now in a position where we are saving and have a plan in place where we are comfortable with the amount we are putting away for our pensions

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

I inherited a sum of money and wished to invest it for my future pension.

How has Gary Metcalf helped you?

Advice was clear, he listened to my concerns and advised in a way I could follow.

Have you seen the outcome you were hoping for?

Just about to have my first full review so hope sgood at this point.o but given the current climate it was explained to me things may not be so

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

We had various pensions and wanted to get them all in one place which would not only help us manage them but also see a gain. We also had a goal to retire earlier .

How has Gary Metcalf helped you?

Gary helped with the above and we have also seen an increase in our pension pots not only that but we would be able to retire earlier than we thought !

Have you seen the outcome you were hoping for?

Yes most defiantly

What could they have done better?

Nothing , the service is truthful and easy to understand , i have recommended friends.

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

We needed financial support with our new company.

How has Gary Metcalf helped you?

Company pensions, we spoke with Gary who we found incredibly friendly and informative

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing to add

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

I was looking for advice on planning for retirement and savings and Gary was highly recommended by friends.

How has Gary Metcalf helped you?

Clear, reliable advice whenever I've needed it.

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with Gary

Contacted Gary for specific advice. He was very helpful and focussed and provided the answers I needed

Please provide a brief comment about your experience with Gary

Never made enough effort to contact me .. hardly a good first impression!

Please provide a brief comment about your experience with Gary

Had an initial consultation with Gary, awaiting paperwork from my pension provider before we can continue.

Please provide a brief comment about your experience with Gary

good accurate advice that was impartial given over the phone - thanks. No need for further consultation at the moment

Please provide a brief comment about your experience with Gary

Easy to talk to and understood my financial situation quickly. Explained services which were available to me without any pressure.

Please provide a brief comment about your experience with Gary

Gary was able to provide some great advice and advise on a financial strategy! Would definitely recommend

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

Initially it was upcoming retirement planning that was the reason to meet with Gary. Over the years ongoing reviews and a change in circumstances has meant close contact to ensure the right decisions were made at each stage.

How has Gary Metcalf helped you?

Gary understands finance and people and has the knack of 'knowing' what you need before you know it yourself. He puts forward suggestions that you may not have considered and is happy to discuss all options. He always makes sure that, as a client, you are comfortable with the decisions made. He acknowledges and respects an individuals relationship with risk.

Have you seen the outcome you were hoping for?

My investments are medium to long term and I am happy with the results given we have just experienced a rather difficult time in all sectors over the last 18 months.

What could they have done better?

Nothing. Gary keeps in regular contact and I know he is only on the end of a phone or email should I wish to discuss anything at any time.

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

Initially, because I was getting divorced and my wife was getting a substantial part of my pension

How has Gary Metcalf helped you?

He advised me as to what to invest in and how much I could afford

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 wanted a recommendation to advise me on a product which suited my risk appetite to invest an inheritance.

How has Gary Metcalf helped you?

He recommended a product and kelp me set it up.

Have you seen the outcome you were hoping for?

Yes so far.

What could they have done better?

Nothing.

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

Pension review

How has Gary Metcalf helped you?

Listened to what i wanted to achieve and worked with me to achieve desired outcomes.

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?

As my previous financial adviser finished I was recommended to Gary

How has Gary Metcalf helped you?

Gary reviewed my pension so that it would work better for me

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?

On retirement I needed to find a place to invest pension funds

How has Gary Metcalf helped you?

Gary was very approachable and gave down to earth , sensible advice. Very trustworthy.

Have you seen the outcome you were hoping for?

Yes my investment is growing

What could they have done better?

Nothing really as everything was explained in lay mans terms and if I have to contact the office everything is dealt with promptly.

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

I already had a financial adviser who finished and I was transferred to Gary Metcalf

How has Gary Metcalf helped you?

Pension advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None that I am aware of

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

No pension

How has Gary Metcalf helped you?

Advice regarding pension and savings

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

I don't know, I'm not a financial adviser

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

Pension and savings Review

How has Gary Metcalf helped you?

He gave easy to understand advise. Was very personable and approachable. He was happy for us to consider the information he gave us and did not expect us to make any instant decisions.

Have you seen the outcome you were hoping for?

We are progressing well and I believe we will achieve the outcome we wanted to achieve.

What could they have done better?

Nothing. Gary is approachable, helpful and honest.

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

We had money to invest.

How has Gary Metcalf helped you?

Offered good options which have yielded a good return.

Have you seen the outcome you were hoping for?

No: we were hoping to make an absolute fortune (but we didn't expect to given our attitude to risk).

What could they have done better?

We suspect, not a lot under the market circumstances and our relatively conservative attitude to risk.

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

I needed expert advice on the best way to maximise savings returns to enhance my pension

How has Gary Metcalf helped you?

Advised on a good investment

Have you seen the outcome you were hoping for?

Yes

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

Facing retirement without much pension.

How has Gary Metcalf helped you?

He started us on a private pension plan and then helped us with the decision making when the government changed the policy on annuities.

Have you seen the outcome you were hoping for?

Yes, just about - the financial crash and pandemic haven't helped though.

What could they have done better?

Nothing as far as Gary Metcalf is concerned.

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

Pension transfer

How has Gary Metcalf helped you?

Pension transfer

Have you seen the outcome you were hoping for?

yes

What could they have done better?

am happy with performance

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

Had a lump sum to invest

How has Gary Metcalf helped you?

Set up my isa and moved my pension

Have you seen the outcome you were hoping for?

It’s steadily growing .

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

Lump sum from redundancy

How has Gary Metcalf helped you?

Assessment and discussion of investment performance and next steps (if any) to take especially during volatile situations

Have you seen the outcome you were hoping for?

Reasonable return on investments based on my risk basis

What could they have done better?

Whether anything better could be done will be based on future performance

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

Retirement planning (lump sum investment)

How has Gary Metcalf helped you?

Gary explained the ins and outs of investing money, he took away the mine field of information out there and informed us what was best for us. He listened to us and what we wanted from our retirement. He did all of the hard work for us. With out Gary we would not have known where to start.

Have you seen the outcome you were hoping for?

Yes. Our investments are making money for us even in these difficult times.

What could they have done better?

Nothing.

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

I wanted to invest some funds in something progressive but tax efficient

How has Gary Metcalf helped you?

Gary was able to present & convey several options in a manner that I could easily understand. This made it simplier to arrive at a decision I was comfortable with.

Have you seen the outcome you were hoping for?

Absolutely - not only that, but I am increasing my investments.

What could they have done better?

Difficult to know, as I was very impressed with the detail & information Gary provided.

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

Retirement planning, and investments.

How has Gary Metcalf helped you?

Advised on the above.

Have you seen the outcome you were hoping for?

Most certainly.

What could they have done better?

Nothing to be fair.

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

Review and understanding of pension fund I hold.

How has Gary Metcalf helped you?

Yes

Have you seen the outcome you were hoping for?

In part- COVID came along.

What could they have done better?

Nothing

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

My partner had an inheritance and she needed advice on how to invest it to the best advantage.

How has Gary Metcalf helped you?

Gary helped tremendously with advising myself and my partner in this subject .As a result of that discussion he helped with managing our finances to live comfortably up to my retirement and beyond . He was a great help to us and took all the worry away from what was a most anxious time .

Have you seen the outcome you were hoping for?

Yes certainly.

What could they have done better?

In my opinion there isn’t anything that they could do any better. In these difficult times caused by the Covid pandemic Gary and the team have gone above and beyond to support us on the journey we have had to travel.

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

I attended a presentation by Gary ad was impressed with his knowledge and professionalism

How has Gary Metcalf helped you?

Investing is a complex business Gary gives understandable sound 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?

My husband died and I wanted advice about setting up a Trust Fund and general advice.

How has Gary Metcalf helped you?

From the start Gary instilled confidence in me and gained a quick insight into my issues. The Trust fund was set up quickly and myself and my children had everything explained. In addition Gary discussed bonds and I invested not being too adventurous , but again Gary explained d writhing and I have extreme confidence in his advice .

Have you seen the outcome you were hoping for?

Yes the Trust Fund was up and running quickly. My investment has progressed despite Covid and Gary has kept me informed and there if I have any questions.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Gary

At mo free initial advice awaiting report then may take step further

Please provide a brief comment about your experience with Gary

Very good and will be back in touch with him.

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

Inheritance left to me by my late Father

How has Gary Metcalf helped you?

Gary gave me advice on how to invest my inheritance, with risk categories and also to invest for my retirement

Have you seen the outcome you were hoping for?

yes and more

What could they have done better?

Nothing

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

Retirement and receipt of a lump sum and a pension. I needed advice on what to do with the former and on how to supplement the latter.

How has Gary Metcalf helped you?

By giving clear and, as it proved, sound advice. This has continued for over twelve years.

Have you seen the outcome you were hoping for?

Overall, yes, though it must said that the financial crash didn’t help much! However, at that time, Gary’s advice to just hang on in there and not start doing anything precipitately proved to be absolutely sound.

What could they have done better?

Not knowing much about investment, the markets, an so on, I’m not in a position to comment on this question.

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

Investment of pension sums.

How has Gary Metcalf helped you?

He recommended various ISAs and Bonds.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don’t know. I just have to trust him. It is his field, not mine.

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

Lots of dormant pensions from previous employers

How has Gary Metcalf helped you?

Gary gathered information on all and consolidated them for me.

Have you seen the outcome you were hoping for?

Yes and more than I expected.

What could they have done better?

Nothing actually.

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

Needed to get advice on pensions

How has Gary Metcalf helped you?

Clear and concise help with the process of investment and pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No - they're brilliant