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.