Julie Roche

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

Reaching pensionable age

How has Julie Roche helped you?

Julie helped us through the pension minefield explaining as we went along.

Have you seen the outcome you were hoping for?

Hopefully

What could they have done better?

Not much really

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

My sister past away 11 years ago needed advice and guidance how best too invest her house and money for her two young children

How has Julie Roche helped you?

Yes got best return sisters money then about my own pension which I wanted too own all the pot and not let company claw back

Have you seen the outcome you were hoping for?

Yes been on target little bit lower than expected but everything has suffered with covid and bad government decisions

What could they have done better?

The only thing that could be better but is not in there control is the allowance on tax free needs too be raised it needs too move asap

Please provide a brief comment about your experience with Julie

Julie has been very impressive - professional, knowledgeable and efficient but also approachable and down-to-earth. I have every confidence my financial situation will be extremely well managed.

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

Over 50s re-mortgage

How has Julie Roche helped you?

Julie revealed all the available re-mortgage options. Explained in detail what each option entailed. Liaised with the lender and helped with the mortgage application explaining the offer in full. We were fully informed at all times, excellent service.

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 LPAs for our mother, my brother and I were seeking advice on how to release a funding stream to enable our mother to continue to have 24 hour live-in care in her own home

How has Julie Roche helped you?

She advised on options for releasing a percentage of the capital from our mother's cottage via Equity Release, including to buy a care annuity or a lump sum plus further drawdown, while not forfeiting all existing support from the local authority towards care costs. Julie also advised on possible ring-fencing of a sum owed to myself at the eventual point of sale of the cottage, though we have not done this.

Have you seen the outcome you were hoping for?

Yes. It has been an extremely lengthy process, but we have been well advised at every stage to ensure the best outcome for our mother.

What could they have done better?

I just occasionally felt that I needed to raise scenarios or think through possible objections in order to find out something that might be crucial in our decision-making rather than this being anticipated. Eg. While Julie helpfully suggested 'ring-fencing' a sum of money owed to me to take it out of consideration for financial assessment by the local authority, it took time to discover that this only applied at the point of inheritance (ie, too late to help my mother) and would involve the Court of Protection.

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

Julie was recommended to me by a family friend, who was very pleased with the excellent service and advice she provides.

How has Julie Roche helped you?

Julie has helped me by facilitating a transfer of a pension pot to a private pension. She continues to manage the pension on my behalf and provide ongoing investment advice.

Have you seen the outcome you were hoping for?

The pension pot has seen steady growth throughout the turbulent times the economy has experienced over the past few years and I am very happy with the way Julie has managed the funds for me.

What could they have done better?

I am very happy with the service and advice Julie provides and have happily recommended her services to friends.

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

I wanted to plan for my retirement but also my children's future security.

How has Julie Roche helped you?

Julie has guided me through my financial decisions by giving me all the information I needed, but also took the time to explain in full anything I didn't understand.

Have you seen the outcome you were hoping for?

I have been more than happy with the outcome.

What could they have done better?

I can not think of a better service than I have received

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

We required pension & financial advice.

How has Julie Roche helped you?

Julie has completed a number of elements for GrayNW these being pensions, healthcare, investments and financial advice also.

Have you seen the outcome you were hoping for?

Yes the outcome all around a has been great.

What could they have done better?

Nothing all happy with the service we have received.

Please provide a brief comment about your experience with Julie

Julie listened and was really patient and honest about what she could do for me. I look forward to working with her again.

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

We wanted advise on Equity Release and

How has Julie Roche helped you?

She explained the process,pros and cons in a way that we could easily understand

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 to semi retire

How has Julie Roche helped you?

Julie guided me through a complex financial situation that required a financial advisors advise

Have you seen the outcome you were hoping for?

Yes because of Julie I had the confidence to semi retire

What could they have done better?

Julie always answered my questions promptly this build trust between us, her verbal and written guidance was just what I needed

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

Recommend

How has Julie Roche helped you?

By giving sound, professional information and advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, very happy

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

I needed to switch my financial advisor due to poor management of funds

How has Julie Roche helped you?

Julie has worked tirelessly to move a very complex movement process from my existing fund holder.

Have you seen the outcome you were hoping for?

The work has now nearly been completed.

What could they have done better?

Nothing.

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

I have been diagnosed with terminal cancer and needed help with my pensions and a quick turnaround Julie was recommended to me.

How has Julie Roche helped you?

Julie explained to me and helped me understand how my pensions worked and what help she could provide she has guided me every step of the way

Have you seen the outcome you were hoping for?

At the moment it is still ongoing

What could they have done better?

Nothing I am pleased with the outcome so far I am kept informed on a regular basis and Julie s only ever a phone call away

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

I was changing from an existing pension provider that held my pension.

How has Julie Roche helped you?

Julie has provided me with sufficient information to help me make informed decisions about my retirement plan.

Have you seen the outcome you were hoping for?

Yes,I have easier access to my pension account.

What could they have done better?

Nothing comes to mind.

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

I needed help with planning how to invest an under 18's investments after a family member passing away - I did not feel confident doing this alone.

How has Julie Roche helped you?

Julie has provided me with lots of advice and helped me open up an Investment account for my brother. She has also offered a listening ear and advice about related issues too. Julie is a lovely person and I am someone who is not that knowledgeable to finance, which she was great about - she is good at explaining things and taking the time that I needed. She has been transparent, kind and knowledgable throughout all of our meetings and I would recommend her to anyone looking for financial advice in this area.

Have you seen the outcome you were hoping for?

Yes I have achieved the outcome I hoped for and more.

What could they have done better?

Nothing - Julie exceeded my expectations with her advice and ongoing support.

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

When I was made redundant I had a lump sum of money and a pension and I needed advice.

How has Julie Roche helped you?

Julie set up an ISA account and explained all I needed to know about ISA's. She was very informative. I also had another pension in another account were she gave me good advice.

Have you seen the outcome you were hoping for?

Unfortunately it was just before Covid was and my gain wasn't has much but that was due to covid .

What could they have done better?

Nothing. I thought they did a great job.

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

Always an excellent service from Julie and her team nothing is to much trouble and everything explained clearly and easily to understand.

How has Julie Roche helped you?

Mortgage help when rates going high, drawdown on my pension when hitting 55 easy quides from Julie to make the process as easy as possible .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing it was done exactly as Julie had advised

Please provide a brief comment about your experience with Julie

I recently met Julie for some financial advice, it was the first time we had met and I was unsure what to expect – I explained what I was interested in and she was quickly able to explain my options, the benefits and disadvantages, and also offered other solutions for me to consider; It was clear that Julie was very knowledgeable and competent in her field and delivered her knowledge and experience in a very understandable way, at no time did I feel overwhelmed or pressured with jargon or business related terms, her advice was easily digested and she was comfortable and reassuring to be around and receive advice from. Incidentally, she was also on time, very well presented, understanding and down to earth, with a caring, interested attitude – I would not hesitate to ask to see her again or recommend her to others – thank you.

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

at 73 i decided to access my pension

How has Julie Roche helped you?

pointed me in the right direction and achieved all aims

Have you seen the outcome you were hoping for?

most definitely

What could they have done better?

no

Please provide a brief comment about your experience with Julie

Julie was friendly, professional and very helpful, she made a stressful process seem extremely manageable. I couldn’t have done this without her and would definitely use her company again.

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

Pensions advice

How has Julie Roche helped you?

Brought my individual pensions together and advised on SIPP

Have you seen the outcome you were hoping for?

Yes

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

I wanted to draw down my pension to have control of the investment

How has Julie Roche helped you?

Julie has provided valuable advice in my investment portfolio to maximise my return.

Have you seen the outcome you were hoping for?

Last last was very satisfying. This year has been very difficult with the energy crisis, markets, war in Ukraine etc..

What could they have done better?

No I don't think that they could have done better in this current climate

Please provide a brief comment about your experience with Julie

Very helpful and easy to talk to explains all the options open to you in a precise manor you can tell she has vast knowledge of her services and sorted out all of my issues without any fuss my mind is clear of the pitfalls of this industry and I have every confidence in her ability to deliver a first class result also I highly recommend her five star service

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

Up to date advice re Equity Release.

How has Julie Roche helped you?

Julie fully understood our requirements and wants. Came forward with examples of products which meet these.

Have you seen the outcome you were hoping for?

Yes, matched our requirements and ensured we dealt with the application expeditiously in order to beat the interest rate increase.

What could they have done better?

Nothing in my view.

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

to release money from our house to buy another property

How has Julie Roche helped you?

found us a mortgage company that fits our needs

Have you seen the outcome you were hoping for?

yes

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

I had retired and had a Pension Sharing Order from my divorce.

How has Julie Roche helped you?

Julie advised me and set up a Retirement Account Portfolio which gives me an income. She took all the stress out of the situation for me by contacting my ex husband's accountant on my behalf.

Have you seen the outcome you were hoping for?

Yes I am very happy with the outcome.

What could they have done better?

Nothing as far as I am concerned.

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

I had several pensions set up during my long career and needed help to sort them out. Our companies secretary recommended Julie

How has Julie Roche helped you?

Julie sorted the terrible mess that was my various policies

Have you seen the outcome you were hoping for?

Yes. Thanks to Julie the funds available set up a perfect policy for my future

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

Buying my first home

How has Julie Roche helped you?

I was struggling to find a mortgage due to my freelance status. Julie was recommended to me and through her expertise was able to find a mortgage provider that would take me on. As a first time buyer it was reassuring to have her guiding me through the process every step of the way.

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 becoming increasingly anxious about keeping track of my disparate pensions and savings. This is not my area of expertise and I had no idea as to whether or not I was making adequate provision for the future.

How has Julie Roche helped you?

Julie was wonderful. She was very patient and has a way of explaining even the most difficult concepts in layperson terms. She helped me to sort through all of my bits of pensions and random savings and provided excellent advice. Julie reviewed the performance of an old stakeholder pension and helped me to fine tune it for better performance.

Have you seen the outcome you were hoping for?

I now have far greater clarity with regard to my finances.

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?

I was uneasy about how my (then) advisor was providing suitable guidance in view of current market conditions and I felt that I needed a second opinion.

How has Julie Roche helped you?

Julie reviewed my fund situation and provided impartial but sound information for my consideration whilst maintaining professional etiquette. She made this very easy to understand and I am happy and confident (and relieved) with the action I have taken as a result.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I’m 100% satisfied.

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

Help with pension sharing after a divorce

How has Julie Roche helped you?

Put me at ease. Very approachable. So helpful I now consider her a friend at a very stressful time.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I feel she is always at the end of the phone if I need advice and help. Nothing is too much trouble.

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

Pension share from divorce

How has Julie Roche helped you?

Julie sorted everything out for me,i would not have known were to start with it all

Have you seen the outcome you were hoping for?

Yes i have

What could they have done better?

Nothing really they couldnt have done any more

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

I required information on how to transfer a few small pensions. I also required life insurance to make sure I had adequate cover.

How has Julie Roche helped you?

Julie reviewed my numerous pensions and discussed how I could transfer and information on what I am likely to expect in the future. She also reviewed my insurance to make sure it was adequate to cover what I needed going forward.

Have you seen the outcome you were hoping for?

Yes she helped in both respects giving me clear information and what would be best for me in the long term.

What could they have done better?

Julie was highly professional and I don't think she could have done any more as she went over and above what I expected.

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

Due to the unbalanced market circumstances we requested professional help.

How has Julie Roche helped you?

Julie helped us in numerous ways and guided us on the right path.

Have you seen the outcome you were hoping for?

Yes considering the ups and downs of the market, we are satisfied.

What could they have done better?

We are very satisfied with Julie’s approach to all our needs.

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

We needed to talk with somebody about retirement options.

How has Julie Roche helped you?

Julie gave me great advice in a manner and presentation we could understand easily. Usually the advice you receive goes over your head as they talk to you in jargon the average person does not fully comprehend, with Julie this was not the case.

Have you seen the outcome you were hoping for?

Beginning to yes.

What could they have done better?

As far as we can see, nothing.

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

Multiple instances of requiring financial advice on Mortgages, life protection and pensions, both personal and business related

How has Julie Roche helped you?

Discussed, provided advice and organised appropriate policies/products as required

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing, I really have no concerns with the service or advice I have received

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

wanting to get the best mortgage possible

How has Julie Roche helped you?

found me the best mortgage possible considering my situation

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?

I am self employed with not a good credit report

How has Julie Roche helped you?

Obtain a mortgage that seemed impossible for me to get

Have you seen the outcome you were hoping for?

Yes !! I am able to move into an area and house I never thought would happen for me and my son

What could they have done better?

Could not of ask for anymore ! Always on the other end of the phone to help , made the process less stressful. Couldn’t of done enough help me !!!

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

I sought advice regarding finding an appropriate mortgage to suit my circumstances.

How has Julie Roche helped you?

Julie presented me with all the options available to me. The way in which it was presented and the information she gave me was clear and appropriate to my needs. My numerical skills are quite limited but Julie was very patient, explaining things in a way that I could understand. She was considerate at a particularly challenging time in my life, yet professional at all times.

Have you seen the outcome you were hoping for?

The mortgage provided for me by Julie meets my needs exactly. I returned for advice after the mortgage was completed and again she provided me with clear and useful options.

What could they have done better?

Nothing. Completely satisfied.

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

The need to invest a large amount of money

How has Julie Roche helped you?

Gave accurate guidance and advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really. Julie listened and took note at every stage of our discussions. Any tweak required in achieving the goal was always discussed.

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

I transferred pensiins into a SIP

How has Julie Roche helped you?

She advised on my options, fully explaining risks and strategies

Have you seen the outcome you were hoping for?

Yes,

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

I was in need of a pension

How has Julie Roche helped you?

I had a face to face meeting with Julie in which she helped me establish my goals, simply explained pensions and was clear about her fees

Have you seen the outcome you were hoping for?

Yes- especially during the pandemic

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

We wanted advice for moving out of our company pension once we reached 55.

How has Julie Roche helped you?

Julie reviewed our valuations, calculated how much money we needed to live comfortably for the rest of our lives and provided in-depth data regarding the performance of her recommendation going right back before the 2008 crash. This enabled us to see how this fund coped with ups and downs and whilst Julie made sure we understood the risks the data reassured us that our decision to leave a company pension was the right one.

Have you seen the outcome you were hoping for?

Yes absolutely. Although it’s been a difficult year due to Covid affecting the economy, our fund has not been affected too badly. Only what we would have expected in these circumstances, which the data given prior to our transfer, we knew. Thanks to Julie.

What could they have done better?

I can’t think of any improvement. Julie has done everything we required.

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

Made redundant

How has Julie Roche helped you?

I was 55 so I was able to take my pension as well.as my reduancy so Julie talked me through my opinions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everythink was fine

Please provide a brief comment about your experience with Julie

I found Julie to be extremely passionate and very underdtanding to my needs, she listened and then took time to explain, she also checked out my understanding to ensure i was understanding what she was saying. I would proberbly normally say Julie went above and beyond, however i truly believe that she is this way because of her passion and enthusiasm for her job. Julie was very approachable and easy to talk to, Julie is very much a peolpe person. I am drlughted with the service she provided and Julie certainly exceeded my expectations.

Please provide a brief comment about your experience with Julie

My experience Julie was knowledgable and concise

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

Took advice on how to release some tax free pension to help reduce or pay of the remaining mortgage if possible

How has Julie Roche helped you?

Advised us wisely on our best options, gave scenarios/ in-depth advice on collating varied stagnant pensions , Julie gave constructive suggestions which aided our decision to collate putting these pensions into one pot plan with the best possible outcome.

Have you seen the outcome you were hoping for?

Yes - we are in the process of putting our plans together

What could they have done better?

Julie gave excellent service, advice was supported via varied scenarios and possible outcomes.

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

I had a number of pensions, which weren't performing very well. I also needed to set up a pension for my company for auto enrollment

How has Julie Roche helped you?

She gave me clear straightforward sensible advice to enable me to deal with both matters. I don't have a lot of time to think about such things, and she cut through my confusion and made the process easy to deal with.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure how it could have been improved

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

As my planned retirement was drawing closer, I needed advice about the various options open to me.

How has Julie Roche helped you?

Julie fully explained all of the personal pension plan options available to me ( tax free lump sum, annuity and income drawdown ). Most importantly, Julie fully emphasised all of the possible advantages and drawbacks of all options.

Have you seen the outcome you were hoping for?

Yes. The income drawdown plan that I chose is performing well.

What could they have done better?

Difficult to find any fault. Everything I needed to know was explained fully both verbally and with literature.

Please provide a brief comment about your experience with Julie

Julie was very knowledgable about the financial topic I needed to discuss. After discussions she suggested a great way forward .

Please provide a brief comment about your experience with Julie

A really lovely lady,clear and very helpful. Recommend to anyone.

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

We asked Julie for advice and assistance in setting up our company pension provision in time for auto enrolment, we also sought assistance in the provision of Group Life policy.

How has Julie Roche helped you?

Julie very quickly arrange to attend our premises to present options and we genuinely felt that the initial focus was on ensuring we understood the requirements and options, rather than being geared straight towards the provision of the service itself; with this increased level of knowledge we felt confident to make the necessary decisions and to move forward with Julie and her recommendations.

Have you seen the outcome you were hoping for?

There was a smooth set up process and we were kept fully informed at all stages. Julie formed direct connections with those dealing with our accounting and payroll to ensure a hassle free implementation of the pension provision.

What could they have done better?

Honestly, we felt that the service received was first class and more importantly, removed an important headache for us with an ideal outcome

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

I was made redunant by the company I was working. And it so happened I was 55 so I was in a very fortunate postion I could take a tax free lump sum

How has Julie Roche helped you?

Julie explained clearly all the options and made me feel at ease its a big decision. So it's not one you would take lightly. Julie is very professional and has a calm approach and covers all items

Have you seen the outcome you were hoping for?

Yes wonderful

What could they have done better?

all prefect would recommend her services

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

I was looking to find an pension suitable for my future financial security

How has Julie Roche helped you?

I was given, honest advice, information about my pensions and ongoing support.

Have you seen the outcome you were hoping for?

I have been more than happy with the outcome.

What could they have done better?

I can not suggest any better service than I have received

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

We needed and IFA to help with our client's auto enrolment staging responsibilities.

How has Julie Roche helped you?

Julie has helped with clients' Auto Enrolment Staging. Advising on pensions schemes, setting up client dashboards with those schemes, and completing declaration of compliance. On a personal level, I asked Julie to help with my re-mortgage

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. I am completely satisfied with Julie's professionalism and service.

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

I had several Pension schemes set up by my previous employers and thought they needed expert attention.My daughters accountant recommended Julie

How has Julie Roche helped you?

She spent a considerable amount of time sorting through difficult policies. Personal visits involving long discussions left myself & wife feeling much happier. Julie is a very very professional lady.

Have you seen the outcome you were hoping for?

Amazing.What I thought would end up small change has basically changed our retirement fantastic result obviously all due to Julie.

What could they have done better?

She did all & more

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

Planning for retirement

How has Julie Roche helped you?

Julie assessed our position and provided simple, practical advice on our options. We no have a clear idea of what we can/connot do going forward and what matters we need to address.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No - Julie and her team are excellent and have been of great comfort for years

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

mortgage increase

How has Julie Roche helped you?

helped me through the process and found me a more suitable deal

Have you seen the outcome you were hoping for?

yes

What could they have done better?

in my honest opinion she is very efficient and cannot think of any areas which require improvemen

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

I needed to have my pension looked at to see if it was working well enough.

How has Julie Roche helped you?

Julie got all the information from my pension and reviewed it to see how it was performing. To discover it was in a fund that was not performing for me as it should be and that no one was keeping an eye on it properly.

Have you seen the outcome you were hoping for?

The pension had only been moved for just over a year. At my review it had made a small gain but as the markets had been poor earlier in the year it has done well to make a gain. My old plan would have lost me money this year and I would have been down on last year by quite a bit.

What could they have done better?

I have dealt with a few financial advisers over the years and never been impressed with any of them. However I cant recommend Julie enough she is so thorough and explains everything to you and keeps you informed how things are going. Also she works throughout the year keeping any on your investments to get the best out of them for you.

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

My current financial advisor was based overseas and difficult for me to communicate with. The company had mismanaged my investments so was looking for a new advisor.

How has Julie Roche helped you?

Julie and her team investigated the implications of moving the fund from abroad back to the uk and answered lots of questions that we had.

Have you seen the outcome you were hoping for?

Unfortunately we were unable to move the move the funds from abroad as there was a very steep early termination fee which would have seen a significant reduction in my portfolio which tied in with the poor performance of the fund would have left us significantly worse off.

What could they have done better?

I believe Julie had exhausted all possible actions to help me move the fund and could have done mo more.

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

I am self employed and needed some advice on varies aspects of my financial well being.

How has Julie Roche helped you?

Julie offered me some excellent advice about my pension, which, when the time came, meant I had a good pension on my retirement. She also helped me set up a workplace pension for my business.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I can not think of anything that Julie could have done better for me.

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

Recently retired from working needed advice and guidance with my company pension to get the best access in years ahead.

How has Julie Roche helped you?

Gave me clear, concise, face to face advice, which was easy to understand.

Have you seen the outcome you were hoping for?

Not at this moment as we only transferred the pension pot recently, but I,am sure that the scheme we are invested in will reap the benefits in the future when needed.

What could they have done better?

Nothing, I was used to dealing with people/advisors over the telephone so things where not explained properly or clearly, seeing Julie face to face made the whole process easy. Thats major issue these days, having to talk to automated / recorded services, very time consuming, seeing a human being makes all the difference.

Please provide a brief comment about your experience with Julie

A very knowledgeable and pleasant first meeting with an in-depth explanation and understanding of all my requirements.

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

Someone to help my wife and I sort out Equity Release in a way we could understand.

How has Julie Roche helped you?

Julie explained in every way she could to make it easy for us to understand the process.

Have you seen the outcome you were hoping for?

YES.

What could they have done better?

NOTHING Everything she did was purfect.

Please provide a brief comment about your experience with Julie

Julie was very professional and we feel totally confident that she will give us the service we need. She explained everything very clearly from her charges to the kind of things we will need to consider going forward.

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

I needed to get a new mortgage after my two year fixed deal ran out and also to take out some equity to invest in new property.

How has Julie Roche helped you?

She throughly took me through all my options, some I didn't know about, and got me a deal I couldn't find Myself, her advise was invaluable.

Have you seen the outcome you were hoping for?

100%, I am so happy with the outcome which was better than I hoped.

What could they have done better?

I really couldn't think of one thing that could be done better, from the start to finish I was completely at ease and confident the deal I got was the best out there

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

My business partner & I wanted a review of our keyman/life cover.

How has Julie Roche helped you?

Julie provided clear & concise explanations of the options open to us & helped us arrive at the right level of cover for our circumstances, using plain English & helping us understand some of the jargon used by the insurance providers.

Have you seen the outcome you were hoping for?

Yes - we are more than happy with the arrangements we have in place & feel we have got it at a very competitive price.

What could they have done better?

I can't think of anything that could have been done better!

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

Wanted to know more about equity release and potential pitfalls. Also look at my varied investments and my financial requirements over the next few years.

How has Julie Roche helped you?

Fully understood my fears and concerns and responded in a clear and concise manner. Very common sense approach which left me in no doubt about the way forward to suit my circumstances.

Have you seen the outcome you were hoping for?

Yes. Very happy with the investment advice and I now fully understand the potential of the Equity Release schemes.

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

Various reasons, from critical man cover due to a recent friends bereavement, his partner had no cover & auto enrolment due to new government legislation.

How has Julie Roche helped you?

Julie helped me through the various options available to me, she was really clear in her explanation & simplified the process making it easy to understand.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

nothing, could not have been happier with the service

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

Wanted expert advice about pensions.

How has Julie Roche helped you?

She did a assessment on my current pensions and provided a range of options to me.

Have you seen the outcome you were hoping for?

Yes and I took out a pension.

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

I required advice for myself and for clients of my law firm in relation to auto enrolment and insurance & protection.

How has Julie Roche helped you?

Julie was extremely helpful both to me and to each of my clients she assisted. I have always found Julie to be very professional, trustworthy and knowledgable and the feedback I have received from my clients has echoed those sentiments. Julie is also very friendly and down to earth and explained everything in a way both my clients and I could understand. I would not hesitate in recommending Julie to other clients and contacts in the future.

Have you seen the outcome you were hoping for?

Yes, I was clear on everything that Julie explained to me, and the products recommended to me were far better than I would have been able to find on my own. My clients who have obtained advice from Julie have given feedback to me on the same basis.

What could they have done better?

Nothing. I have been extremely satisfied with everything that Julie done both for me and for my clients.

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

I required advice for my future.

How has Julie Roche helped you?

By understanding where I was both financially and personally, she has been able to tailor her advice over the years we have worked together.

Have you seen the outcome you were hoping for?

Yes, on the whole it's been as we expected and planned for, with occasional dips in the market, however overall all outcomes have been and continue to be positive.

What could they have done better?

Nothing, if she had a crystal ball, bigger growth, but being available and understanding my needs is all I require

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

We have recently become parents and also our fixed term mortgage was due to expire so we decided to seek the advice of a professional and Julie fitted the bill.

How has Julie Roche helped you?

Julie has an easy going and very friendly manner and she takes the time to explain everything in detail. We discussed our remortgage, our protection policies and also we wanted information and advice on protecting our child should something happen to either of us.

Have you seen the outcome you were hoping for?

Yes we have, we now have far superior policies that offer greater protection and cover for a reduced outlay and I know that Julie is also planning our retirement and has made several suggestions as to how we can achieve the best outcome in the time we have allocated. Additionally, she has helped us get a better rate on our new mortgage and helped us fix it again for a 5 year term.

What could they have done better?

Julie is a lovely, helpful IFA who ensures that you feel nothing is too much trouble - I cannot honestly think of anything she needs to improve on and recommend her whole heartedly.

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

I first met Julie when I became self-employed and also after becoming a first time parent. I needed to put in some products to protect myself and family in the event of illness.

How has Julie Roche helped you?

Julie helped me immeasurably by talking me through all of the options available and also raised points that I would not have even thought of. Julie explained everything in way that made it particularly easy to understand.

Have you seen the outcome you were hoping for?

I was absolutely clear, reassured and happy with the products and protection put in place. As a result of this, I have peace of mind and feel much more reassured. The policies were much better than anything I could have arranged by myself.

What could they have done better?

I don't think that my financial adviser could have done better.

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

I was looking for someone who could give me advice on all aspects of my finances, including investments, pension and insurance.

How has Julie Roche helped you?

Julie took time to understand my needs, where I was at and my future plans. She explained everything in 'plain english' so I could understand. Julie was able to take care of everything and provide a comprehensive service, always keeping me up to date with what was happening. Altogether an excellent service.

Have you seen the outcome you were hoping for?

Yes, the products recommended and put in place were absolutely right for my needs and the needs of my business. This has enabled me to feel comfortable that whatever happens with me my business and family will be catered for.

What could they have done better?

I feel that the service I received was excellent and would have no reservations in recommending Julie Roche to any of my friends, colleagues and family for financial advice.

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

To implement our Pension Scheme.

How has Julie Roche helped you?

All information provided was clear and concise using a step by step approach. The presentation given to my staff was extremely helpful it answered any questions they had. They were also left Julies contact details in case they had any further questions .

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

The service I received could not be improved it was excellent

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

After being turned away from several banks I needed urgent help for a Re mortgage following my divorce. Then I required further help & advice with a new life cover insurance policy & home insurance.

How has Julie Roche helped you?

Being independent allowed Julie to use all her time & expertise to source the best re mortgage that I would never on the high street be able to get. She completed the negotiation on my behalf & took all the stress away from me, she helped me understand the forms & gave me an overview on what was available to me ..she was truely marvellous in a totally bleak situation.

Have you seen the outcome you were hoping for?

Absolutely I have been able to afford my own home something I never thought possible. . With Julie's help I now have a secure financial future with a brilliant life cover that has given me great peace of mind.

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

To set up work place pension.

How has Julie Roche helped you?

Julie guided us through the whole process.

Have you seen the outcome you were hoping for?

Yes pension scheme is all set up.

What could they have done better?

I couldn't fault the help and advice we received