Lee Waters

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

Needed some advice over tax effective pension saving.

How has Lee Waters helped you?

Helped with a special pension contribution.

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?

Approaching retirement so needed to have everything in place.

How has Lee Waters helped you?

Given sound advice on the options available to 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?

I was considering retirement and wanted to look at all the financial options open to me.

How has Lee Waters helped you?

Lee has been knowledgeable, professional and approachable in my dealings with him. He is happy to talk over my situation and any suggestions I have whilst giving his own opinions and recommendations.

Have you seen the outcome you were hoping for?

Totally

What could they have done better?

Nothing I can bring to mind.

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

Better return on savings and investments

How has Lee Waters helped you?

Lee has got me better interest rates and simplified my 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?

I needed advise on combining a number of work pensions

How has Lee Waters helped you?

Helped and advised on the best vehicles for my pension funds

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

I am very happy and not sure how the outcome could have been bettered

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

Retirement looming

How has Lee Waters helped you?

Consolidated pensions and investmenrs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Made us more profit, but they have done well for us.

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

Regular family issues assessment of forward planning though no emergency. Good guidance on the budget.

How has Lee Waters helped you?

a. Pro-active commentary and recommendation rather than having always to ask for guidance. b. Good understanding of full family issues of parents and children as impacting on resources and planning. c. Useful commentray on the general economic conditions.

Have you seen the outcome you were hoping for?

Yes in terms of peace of mind as to our affairs and how we will tackle inevitable factors of aging parents.

What could they have done better?

Not aware.

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

The desire to ensure my investments and savings were secure and would provide the best possible returns in relation to my risk analysis.

How has Lee Waters helped you?

He provides clear advice about the best products to ensure my desired outcomes. He reviews my status regularly, to check that my investments continue to provide the required returns.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am extremely happy with the outcome

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

Inheritance and redundancy

How has Lee Waters helped you?

Clear pertinenr 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?

Inherited a sum of money

How has Lee Waters helped you?

Helped me with financial planning to meet my goals

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?

Reinvesting assets

How has Lee Waters helped you?

Getting best rates

Have you seen the outcome you were hoping for?

Still in progress

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

An under performing pension

How has Lee Waters helped you?

He has continually monitored & reviewed my pension

Have you seen the outcome you were hoping for?

A growing pension

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

unsure about investment re retirement plans and inheritance money

How has Lee Waters helped you?

top quality advice on all financial issues and concerns

Have you seen the outcome you were hoping for?

yes - plus annual strategic planning

What could they have done better?

nothing that i can comment on

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

I inherited money from my parents.

How has Lee Waters helped you?

Lee has helped me by initially understanding my requirements and with regular reviews.

Have you seen the outcome you were hoping for?

Yes, given the ups and downs of investment of late.

What could they have done better?

Nothing

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

Death of husband and need to organise finances.

How has Lee Waters helped you?

Lee has helped in all areas of my finances, he insures I have sufficient income to live the life I want and I am able to support the chararites close to 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?

Inheritance. Retirement

How has Lee Waters helped you?

Detailed and well considered advice. Always helpful, available and well prepared

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I have no idea

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

My wife and I needed to finalise our pension plans quickly and get investment advice. Our then advisor did not respond promptly, so we had to shop around for someone we could rely on. Fortuitously, on the advice of one of Lee's customers, they recommended him to us. We have not looked back. Lee walked us through the minefield of pension options and investment opportunities. Lee's guidance was invaluable to us at a critical time.

How has Lee Waters helped you?

Since transferring our financial portfolio to Barwells Wealth, I have been a pleased customer. Lee can explain the complexities of financial planning to a non-expert and has given my wife and me excellent advice. Thanks to Lee's mastery, our pensions and investments are now well cared for. Lee also sends email messages reassuring us that even in the current financially challenging climate, he is looking at the whole picture of the financial market and its long-term implications. We find these very informative and are reassured that our finances are in good hands and that he has his finger on the pulse.

Have you seen the outcome you were hoping for?

We highly regard Lee Waters. He is a financial wizard who has put us on a sound financial path.

What could they have done better?

I cannot fault Lee Waters. Everyone we have dealt with in his office has been courteous, efficient and knowledgeable. No problem is too small, and respond in a timely fashion professionally.

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

We were reaching the age of 75 and the "last chance" to make financial decisions about maturing long term investments and pensions. The advisor we had at the time did not have a sense of urgency to discuss and make these crucial decisions so we needed to look for a new advisor in a very short space of time.

How has Lee Waters helped you?

Lee Waters came personally recommended but we still needed to establish a good sense of understanding and trust with him about who we were and what was needed before he could advise us. He worked diligently. His extensive experience was invaluable as was his attention to detail and his ability to provide prompt responses to all of our queries. Lee went 'above and beyond' to meet the financial deadlines and his help gave us complete confidence in his guidance.

Have you seen the outcome you were hoping for?

We have clarity about the provision of our retirement income, investments and savings and peace of mind that Lee is aware of our situation and gives regular updates and reassurance, if necessary!

What could they have done better?

No. Communication is informative and timely.

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

Prior to retirement I needed to know how to make the best of existing pension arrangements, additioinal pension arrangements and financial planning

How has Lee Waters helped you?

Lee tidied up all existing financial and pension arrangements and put new arrangements in place which have proved to be worthwhile

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Overall I think not, based on the level of risk I was prepared to accept

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

Changing advisor as unhappy previously

How has Lee Waters helped you?

Consistent advice and updating on my pensions performance and excellent advice to move funds from default option in my stakeholder pension.

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?

The death of my husband

How has Lee Waters helped you?

In all my financial matters

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 father's Will left money in Trust for my brother.

How has Lee Waters helped you?

Lee recommended investment platforms and funds for long term growth and income.

Have you seen the outcome you were hoping for?

The Trust has achieved its goal of lifetime income and growth

What could they have done better?

Some fund choices have performed less well, but overall I am happy with the outcome

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

My former financial advisor was not reviewing my investments and responding to my questions in a timely way. I was given a personal recommendation to speak with Lee.

How has Lee Waters helped you?

He has given me good financial advice, streamlined my investments and answered all of my questions.

Have you seen the outcome you were hoping for?

Yes - I am feeling more confident about my investments and financial security.

What could they have done better?

There are no areas in which I feel Lee could have improved. I have been very happy with the advice that I have received.

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

I had just gone through a divorce and didn't have much knowledge of pensions and Lee advised me what would be the best way to invest my pension.

How has Lee Waters helped you?

Lee has advised me, he explains everything to me especially when I don't quite understand something. Lee has time and always does the best for me .

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

Nothing, lee keeps me updated and I'm very happy with how things are going.

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

I was not confident in handling isa's and pension set up etc

How has Lee Waters helped you?

by doing all of the above

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 get the right investment for our future retirement ,with a good adviser to explain things to us

How has Lee Waters helped you?

Choosing the type of investment ,that suited us with the risks we were aware of .giving advice on our pensions.

Have you seen the outcome you were hoping for?

The desired outcome is a long term financial solution ,so as yet it has not been achieved ,but however the means to achieve it has.

What could they have done better?

Nothing

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

To invest money for my retirement

How has Lee Waters helped you?

Invested my money wisely and kept me abreast of any changes he recommends ensuring my money is always in the optimum place

Have you seen the outcome you were hoping for?

Yes, my investments remain stable and give me an income.

What could they have done better?

I can’t think of anything.

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

Retirement

How has Lee Waters helped you?

Guided us onto a structured clear path.

Have you seen the outcome you were hoping for?

The outcome is proving the advice given was correct and continues to perform.

What could they have done better?

Not to our knowledge

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

Required specialist information

How has Lee Waters helped you?

Pointed out all of the options without prejudice and advised the best option

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

I was made redundant I was recommended by one of Barwells solicitors John Woodley to get advice so enlisted

How has Lee Waters helped you?

With advice on investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure i have faith in their advice

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

Divorce so needed financial guidance.

How has Lee Waters helped you?

He has grown my small pension fund substantially.

Have you seen the outcome you were hoping for?

Yesu

What could they have done better?

Nothing

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

I did not possess the knowledge, skills or patience to take on this vitally important activity unaided.

How has Lee Waters helped you?

Lee has been brilliant in explaining my options and helping me to reach a decision concerning my pension and investments. His annual reviews and interim consultations have helped me to appreciate the volatility of the market to realign my savings and investments.

Have you seen the outcome you were hoping for?

Yes, most definitely as his advice and management of my financial affairs has been invaluable

What could they have done better?

Nothing

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

Lee was recommended to me

How has Lee Waters helped you?

Excellent friendly expert service

Have you seen the outcome you were hoping for?

Yes I’m totally confident in Lee

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

My previous adviser was retiring

How has Lee Waters helped you?

He woks hard to make my invstments grow so that I dont have to,

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 to find a local financial adviser who was able to meet 'face to face' to advise us on making decisions about investments and savings before the age of 75.

How has Lee Waters helped you?

Lee's advice was helpful and informative as he answered questions using layman's terms and online spreadsheets which were especially helpful. We were also particularly impressed by the speed an efficiency of his email responses.

Have you seen the outcome you were hoping for?

Absolutely. Professional and informative advice which gave us every confidence that we had found an experienced advisor who was knowledgeable and approachable.

What could they have done better?

N/A as the service provided ticked all of our boxes.

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

Retirement planning

How has Lee Waters helped you?

Reviewed the prior arrangements I had made and advised on beneficial changes. Monitored those arrangements at all times since and especially since I have retired. Advised on further changes and put them into effect.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

Financing for children's impending obligations. House move and funding. Grandparent inheritance planning. Investment strategy,

How has Lee Waters helped you?

Regular market updates. Practical advice on both expenditure and savings,

Have you seen the outcome you were hoping for?

Entirely

What could they have done better?

Cannot imagine!

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

I needed a financial advisor who acted promptly and professionally. I was working with a previous advisor who did not fill me with confidence. Lee, on the other hand, proved to be efficient, and his advice was sound, explaining each step thoroughly and making complete sense.

How has Lee Waters helped you?

We needed a clear and precise package delivered in a timely fashion. Lee excelled at every aspect of our expectations.

Have you seen the outcome you were hoping for?

After the initial free meeting, Lee grasped our needs (my wife and I) and gave solid opinions. We then had a follow-up meeting where he implemented our desires and presented them in plain English, so we were entirely in the picture before going ahead and making it happen.

What could they have done better?

I can’t think of anything that would have improved the experience.

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

Inherited a sum of money and was looking for advice on investment

How has Lee Waters helped you?

Quality advice taking into account my personal circumstances and attitude to risk when selecting investments. Professional, friendly and approachable.

Have you seen the outcome you were hoping for?

Yes, I am confident that my investments have achieved my goals

What could they have done better?

Fully satisfied with the service received

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

Recommend from a friend

How has Lee Waters helped you?

Great advice

Have you seen the outcome you were hoping for?

No but totally due to world financial turmoil

What could they have done better?

Nothing they were helpful and caring

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

I needed guidance on maximising my financial planning in the later years leading to retirement.

How has Lee Waters helped you?

At the time, I had a relatively small private pension pot, which had previously not been managed well. I had every confidence in Lee’s professional advice and management, which turned my small investment around and I have been very happy with the outcome.

Have you seen the outcome you were hoping for?

Yes, very pleased with outcome

What could they have done better?

I am very satisfied with the service provided

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

Need

How has Lee Waters helped you?

Security, planning, 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?

Advice on a will trust

How has Lee Waters helped you?

He has given good advice with a friendly approach

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 someone I could trust to help me with my savings

How has Lee Waters helped you?

Lee has looked after my savings and I know if I have any questions I can always call him and ask advice

Have you seen the outcome you were hoping for?

Not as good as I was hoping but unfortunately that's the market

What could they have done better?

I don't think anything, I was in the low risk category and my savings went up but as the market fell so did my savings

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

Investments and pension advice.

How has Lee Waters helped you?

Lee has helped us understand the options tailored to our circumstances and risk / reward profile allowing informed decisions to be made.

Have you seen the outcome you were hoping for?

Financial gains have been lower than expected due to global issues, however, recovery in the medium to long term is expected.

What could they have done better?

N/A

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

I was made redundant and had re invest my pension

How has Lee Waters helped you?

He advised me on the investment That I would be comfortable with

Have you seen the outcome you were hoping for?

so far yes

What could they have done better?

I am very happy with everything lee has done and is doing for me.

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

I was looking for someone trustworthy to advise me on my pension options

How has Lee Waters helped you?

Lee has been extremely professional in all my dealings with him. He has advised me of all options available to in an an open and honest way.

Have you seen the outcome you were hoping for?

Totally.

What could they have done better?

Nothing I can bring to mind.

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

Lee became our adviser following changes in the Barwells company many years ago (Stuart Barratt was our original contact).

How has Lee Waters helped you?

Lee has been understanding and very helpful with all hsi advice since then, including following the loss of my husband and adjustments to my financial planning before and after this. I recommend him.

Have you seen the outcome you were hoping for?

My investments have performed on par with similar ones, sadly not well over the past year, but in the long term it seems that a sound approach has been taken

What could they have done better?

Nothing in particular. The charges frm Barwells are on-top of fund manager charges, which together feel quite high, but I am told these are similar to those from other advisers.

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

Pensions and financial advice

How has Lee Waters helped you?

With my pension and always explained what is best for me.

Have you seen the outcome you were hoping for?

Yes very much so.

What could they have done better?

Nothing happy with everything.

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

Confusion over drawdown and annuity

How has Lee Waters helped you?

No matter how much you look at facts and figures everywhere we were more confused than ever. Lee got straight to the point and has concluded business with us in a very professional clear manner and taken the worries away.

Have you seen the outcome you were hoping for?

The media have done a good job of making sure people don’t get scammed and lose all their money. Lee and team have exceeded our expectations the outcome is more than we could have hoped for.

What could they have done better?

Seeking the help of a professional adviser and team is definitely the right decision. In Barwells Wealth we trust.

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

Inherited money

How has Lee Waters helped you?

Advise and help over many years has been excellent

Have you seen the outcome you were hoping for?

Usually

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

Investment options to maintain/grow funds tax efficiently and cover care costs

How has Lee Waters helped you?

Good advise and long term plan to switch to tax efficient ISAs + informal ad hoc advise on an old pension lump sum.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing' Lee is very approachable , assesses the core aims without unnecessary jargon or complexity and office /back up paper work appears to be efficient.

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

Having relocated to a new area, I felt it beneficial to change my IFA who worked locally and was also younger than myself so could take care of my finances whilst I was alive. It was also important that my IFA was someone whom I felt at ease with; Lee Waters easily fulfilled these objectives..

How has Lee Waters helped you?

Removed the worries by managing my savings, investments and personal pension. Regular reviews and meetings have been held over the last 10 years and as circumstances have changed, my profile updated.

Have you seen the outcome you were hoping for?

This is ongoing and I am very happy with the service and outcome.

What could they have done better?

Nothing - a very satisfied client.

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

Inheritance Planning.

How has Lee Waters helped you?

Helped me to decided how best to invest my inheritance.

Have you seen the outcome you were hoping for?

l have received regularly updates.

What could they have done better?

I was very satisfied with the service provided by Lee Waters.

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

Investing for income

How has Lee Waters helped you?

Choosing the best investments for my personal circumstances and making sure my needs are met by periodic reviews.

Have you seen the outcome you were hoping for?

Yes, my income is appropriate for my needs and my investments doing well.

What could they have done better?

Can’t think of anything.

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

Needed a trusted advisor

How has Lee Waters helped you?

Clear, concise advice and extremely professional and friendly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They are doing a great job, no changes required

Please provide a brief comment about your experience with Lee

Didnt even ring me

Please provide a brief comment about your experience with Lee

They never made any contact with me. Feel very disappointed

Please provide a brief comment about your experience with Lee

Lee came round to look at our pensions and endowment to see if there is anything we should or could be doing. Unfortunately for him there was nothing for him to advise on and we have kept everything as it is, mainly due to a final salary pension. If I need advice on financial matters in the future Lee will definitely be my first port of call. I'm just sorry it was a waste of time for him. There were no fees to mention as per questionnaire.

Please provide a brief comment about your experience with Lee

I wasn't contacted by Lee himself and didn't proceed any further

Please provide a brief comment about your experience with Lee

EXCELLENT IN EVERY WAY -

How has Lee Waters helped you?

good advise

How has Lee Waters helped you?

Was sympathetic to my situation, described the range of products on offer and was completely open about any charges. Was professional in approach but also understanding. Took pains to ensure I understood everything.

How has Lee Waters helped you?

At our first meeting, Lee efficiently, patiently and quickly assessed our requirements and outlined an overall plan of action, together with a projected timescale. During the period Lee was dealing with our case, it was both pleasing and important that he was always available and took our phone calls; if he was unavailable, he returned our call as soon as he was able, usually the same day.This gave us extreme confidence in his service on our behalf. He was very approachable and was able to share light-hearted banter with us, while discussing the case.

What could they have done better?

Lee met all our requirements and achieved a satisfactory conclusion to our financial needs to date.

How has Lee Waters helped you?

very easy to understand

How has Lee Waters helped you?

Lee to the time to understand my requirements and set out his recommendations in a clear and concise way.

What could they have done better?

None

How has Lee Waters helped you?

Excellent advice on transfer of shares

How has Lee Waters helped you?

Lee understood my needs perfectly and gave me sound advice. I felt that he had my interests at heart at all times.

What could they have done better?

N/A

How has Lee Waters helped you?

Very thorough explanation of all available options with regards to mortgages available for a buy to let purchase and constant updates and prompt responses to all queries raised by me including takling on extra responsibilities beynond that which i expected in dealing with the mortgage valuer when queries arose on the property being purchased.

What could they have done better?

none- 100% satisfied.

How has Lee Waters helped you?

Helpful, easy to understand advice.

How has Lee Waters helped you?

I felt Lee considered my personal circumstances and recommended the right products to me. We considered the LTV% in conjunction with the likely timescale for rises in interest rates as to whether a two year or five year fixed term would be preferred. We discussed the options regarding life and critical illness cover and I was given a number of options and scenarios to choose from.

What could they have done better?

I do not have any particular comments in this section. I have only used Lee and valued his service

How has Lee Waters helped you?

Lee made things simple so that I completley understood the advice I was given.

What could they have done better?

Nothing. Carry on as he is .

How has Lee Waters helped you?

GOOD COMUNICATION

What could they have done better?

VERY GOOD ADVISOR NO PROBLEM

How has Lee Waters helped you?

Technically very able and excellent level of service.

How has Lee Waters helped you?

Having experienced an extremely high level of professionalism from Barwells for other services and with retirement looming, I decided to move the management of my financial affairs to Lee. Six monthly face to face meetings not only ensure that I feel my investments are being actively managed but most importantly has afforded the opportunity for an excellent working relationship. He is a good listener, taking time to explain complexities and uses his knowledge of the market to offer products best suited to these needs, ensuring that I am totally happy with any proposals. He responds very quickly to any query and Web access to fund valuations could not be simpler. He displays a genuine interest in helping, and I consider him to be of utmost integrity.

What could they have done better?

Very little. His company has an excellent business model which supports Lee in all the areas he either has knowledge of or his clients seek advice. It is very hard to be critical, even constructively.