Matthew Walne

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

Setting up a SIPP

How has Matthew Walne helped you?

Investing through successful pension providers, discussing options and explaining them

Have you seen the outcome you were hoping for?

Yes, returns always in the top region over time.

What could they have done better?

Matt has always responded positively to any requests

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

We wanted to get expert advice as to whether it would be feasible for us to retire earlier than the State Pension Age

How has Matthew Walne helped you?

Matthew reviewed all of our pension plans and their balances along with looking at our essential outgoings and our lifestyle outgoings to see if we were able to retire early.

Have you seen the outcome you were hoping for?

The outcome was that we could retire well before our State Pension Age and are resources were carefully documented to show how that will be achieved. We attend Keep on Track meetings with Matthew and together we review where we are financially and if there are any changes.

What could they have done better?

There is nothing we believe that could have been better. We could have our Keep on Track meetings remotely to suit us and is always a pleasure to speak with him.

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

Planning for retirement and understanding that our own understanding of Finance and Tax is not sufficient.

How has Matthew Walne helped you?

Matthew has helped us create an investment plan that has given us confidence to move on to the next stage in our lives. He spent time understand us and our needs and provided bespoke advice around investment, tax and wills.

Have you seen the outcome you were hoping for?

Yes. We are now both retired and feel we are set up as well as we can be for the future for ourselves and our children.

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

Looking to ensure savings invested correctly and pensions on track to retire at 60 and future expenses such as university / house move could be accommodated.

How has Matthew Walne helped you?

Given us confidence in investments / savings he recommended and that we have a realistic plan to retire at 60

Have you seen the outcome you were hoping for?

It’s too early to answer this fully but yes at the moment everything looks good in terms of outcomes

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

I had recently returned from working in America and wanted to work towards an early retirement. I needed advice on how to achieve this.

How has Matthew Walne helped you?

I have been working with Matthew for 18 years and he has provided advice to create a savings/investment plan to achieve my retirement goals.

Have you seen the outcome you were hoping for?

Yes, I retired when I wanted to with the comfortable standard of living that I hoped for , which allows me nice holidays and other enjoyable activities.

What could they have done better?

Nothing could have been done better.

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

Widowed in 2008, late husband and myself had jointly attended advice meetings with Matthew

How has Matthew Walne helped you?

Valuable investment advice in changed circumstances , to get the best out of investments

Have you seen the outcome you were hoping for?

Yes, changes in investment platforms have been worthwhile.

What could they have done better?

Not appropriate

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

I had a number of different pensions and wanted to know the best thing to do with them.

How has Matthew Walne helped you?

By consolidating the pensions into the most efficient way. Keeping down the costs and making sure I meet my goals.

Have you seen the outcome you were hoping for?

Over the period of time, yes.

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

Together with my husband we were clients of Matthews for a number of years. Following my recent divorce I have continued to use Matthew as my advisor after a pension transfer.

How has Matthew Walne helped you?

Given me advice on where to put the pension

Have you seen the outcome you were hoping for?

It is only recent that I have received the pension but so far so good.

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

We were looking to develop a financial plan for retirement , which included , pension advice ( we had several), inheritance income, and various asset sales

How has Matthew Walne helped you?

Matthew listened to our needs, which have changed now a number time over the last 18 months . Each time he has developed ( with us ) a fabulous financial planning document, which will take us from retirement to end of life. This includes a full break down of assets and income required to achieve various events and retirement goals.

Have you seen the outcome you were hoping for?

Very much so, we now have very good feel for current wealth and future income for the rest of our lives

What could they have done better?

Nothing

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

Initially the advice was for long term financial planning and in particular retirement planning

How has Matthew Walne helped you?

Matthew has given me the confidence to fulfill the plans set out in the forecasts he prepared.

Have you seen the outcome you were hoping for?

Yes, without the advice from Matthew I would not have known when I could retire based on my long term expectations.

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

needed a hand looking after my wealth

How has Matthew Walne helped you?

give me confidence in my financial status explaining my limitations

Have you seen the outcome you were hoping for?

yes-kind of-its been a turbulent few years and he has done far better than i would have!

What could they have done better?

ummm as always to much jargon-not sure that's his fault

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

Unsure of where to invest

How has Matthew Walne helped you?

Being patient and encouraging. Advising where to invest after fully evaluating my attitude to risk, which is visited annually.

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?

retirement planning

How has Matthew Walne helped you?

excellent and appropriate advice - no jargon, clear information - very good understanding of my needs

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?

Initially required pension advisor but Matthew has assisted in planning for the rest of my life

How has Matthew Walne helped you?

Ensured I fully understand my future needs and how to reach my goals to support that future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure

Please provide a brief comment about your experience with Matthew

Enthusiastic, good listener , knowledgeable and friendly

Please provide a brief comment about your experience with Matthew

Matthew makes you feel comfortable and as a result, I felt that we both got the best out of the meeting.

Please provide a brief comment about your experience with Matthew

Very professional and personable.

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

Approaching retirement age and looking to consolidate pensions and investments. I had some big questions around financial planning for the future

How has Matthew Walne helped you?

I have a much better understanding of current spend and future spend and how this will change as I get older. Matthew introduced the concept of "lifestyle planning" what's coming in, what's going out and how much will I need in the various stages of retirement. I wish I had been introduced to him earlier.

Have you seen the outcome you were hoping for?

Yes - everything is now consolidated into a plan. All the pensions have been pulled together and overall I have a much greater understanding of future finances

What could they have done better?

Nothing stands out for me that Matthew could have done better

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

Help with advising us about our pension.

Please provide a brief comment about your experience with Matthew

Saw Matthew as my cousin wanted advice on the various pensions he has. Matthew’s advice was invaluable and he gave excellent and very apt advice. Really appreciated advice Matthew gave my cousin on other various topics we discussed such as wills and other investments.

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

Retirement planning and getting more out of my investments which were not growing much

How has Matthew Walne helped you?

Given us confidence in our plans and advice around the right types of investments

Have you seen the outcome you were hoping for?

In terms of alternative investments yes but otherwise too early to say.

What could they have done better?

A little more communication generally and options around alternative investments and approaches

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

pension planning and lump-sum withdrawals

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

Annual review of investments and plans. Investments continue to show a good return during another difficult year.

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

refreshed my outlook as I move closer to retirement

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

* Provided good advice in a timely manner. * Adopted pragmatic approach to cash flow forecast scenarios. * Provided reassurance in a time of increased uncertainty in financial market.

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

Matthew has continued to provide an excellent service. He was particularly reassuring during the lockdowns and the continuing pandemic. He has offered remote review meetings which were really useful during this time and our pension funds continue to flourish despite the uncertainty over the last couple of years.

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

I had to many little pensions that were under performing.

How has Matthew Walne helped you?

Mathew took all my pensions ant put them with a new provider that’s now much easier to view online and manage.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Nothing, I’m very happy.

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

Reviewed financial circumstances

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

Matthew is helping to ensure I meet my retirement income target.

This review is a follow-up review from a client who left a review previously.

How has Matthew Walne helped you since your last review?

top-up advice regarding house purchase/pension withdrawal

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

I have sought financial advice over many years since I first opened my own business

How has Matthew Walne helped you?

My finances have been simplified, so that I can understand and follow what is happening very easily. My attitude to my finances has changed for the better, and I feel my returns have been very good also.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am more than satisfied with the service I have received.

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

I became self employed

How has Matthew Walne helped you?

He organised my investments and pensions and explained the options clearly and concisely

Have you seen the outcome you were hoping for?

I have been able to fulfil my wishes in retirement so far and the future planning and amount available to my family are clear.

What could they have done better?

Nothing that I can think of. Matt has also been willing to help and advise my children and grand children.

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

Inheritance of money and long term retirement planning

How has Matthew Walne helped you?

I have been investing with Matthew for 15+years whilst my husband and I were both still working Matthew looked at our situation in the round and as a family to understand our financial situation. He provided several questionnaires over the years that identified our attitude to risk, that did change as we neared retirement, in regards to investments/pensions and advised us accordingly.We took all his advice.

Have you seen the outcome you were hoping for?

Yes absolutely. We have seen a good return on our investments which have allowed us to help our family, extend our home, take holidays without digging into our capital. Amazing given the current poor interest rate returns.More than happy. Well done Matthew.

What could they have done better?

I find this quite hard to answer as Matthew is a trustworthy, well informed advisor with a good personal and reassuring approach to money and investments. He is always available to talk to if, particularly in these difficult times, if we have any concerns about our investments

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

My wife and I had investments in a variety of places and wished to consolidate these and be reassured that our investments were achieving what we needed for our retirement

How has Matthew Walne helped you?

Matthew was able to consolidate our investments and produce reports to show how we might expect our finances to behave in the future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Matthew has listened to what we needed and has carried out everything asked of him

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

Retirement planning and advice on different savings I had accumulated

How has Matthew Walne helped you?

Invest Savings across funds reducing risks and better investment for my private pension pots

Have you seen the outcome you were hoping for?

I am glad that apart from a drop in investment at the start of the pandemic from Covid-19, funds have recovered and hope it stays like that

What could they have done better?

So far all advice has been good, as I have not suffered adversely financially so far.

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

* Retired from work, with a number of existing pensions plus pension pot from last company's defined contribution scheme. * Needed advice going forward.

How has Matthew Walne helped you?

* Outlined options to maximise pension income.

Have you seen the outcome you were hoping for?

* Difficult to assess at present due to COVID-19 impact on economy.

What could they have done better?

* Cannot think of anything that Matthew could have done better for me. His advice is well balanced and well -informed.

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

We wanted to explore if we were able to retire earlier than the State Pension Age. We did a search for recommended independent financial advisers in our local area and to us Matthew stood out and the good reviews. We were not disappointed. He is a good honest, steady, knowledgeable man and we warmed to him straightaway. He is not a flashy person with false promises.

How has Matthew Walne helped you?

Matthew was brilliant. He spent the time to get to know us, what we wanted, why we wanted it and our current circumstances to assess whether our dream was possible. He collated all the relevant information and presented his findings to us. We were amazed to find that we could indeed retire earlier and were also given different scenarios to either increase or decrease our retirement age.

Have you seen the outcome you were hoping for?

Matthew has looked after us know for a couple of years and things are going to plan so far. Obviously the market uncertainty during 2020 was a worry, but Matthew was a reassuring presence. Matthew encourages a yearly keep on track meeting which we last had in around October/November time (virtually this year). He is keen to understand your present situation and updates your financial situation and makes sure you are on track to meet your goal.

What could they have done better?

There is nothing yet that we can think of that he could have done better. He is very knowledgeable and continues to strive to acquire up to date knowledge.

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

I had lots of pensions in different pots and was worried about the cost and admin of these.

How has Matthew Walne helped you?

Matthew helped me understand my goals for retirement, how much I would need to have a comfortable retirement, then reviewed my pensions, advised which ones to keep and which ones to consolidate into a new pension.

Have you seen the outcome you were hoping for?

We review the potential to achieve my retirement goals each year and check if anything needs to be changed to meet the goals. So far so good.

What could they have done better?

My financial requirements are relatively straightforward, so the advice and guidance has been at the right level for me and I'm not sure there is anything else that I can suggest for improvements.

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

Retirement Planning

How has Matthew Walne helped you?

Matt helped in a professional and friendly manner - putting factors over clearly and with very useful presentational tools. He made it all easier to understand and to take decisions.

Have you seen the outcome you were hoping for?

Yes, so far so good!

What could they have done better?

n/a

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

I had a number of pensions with various providers, some of which were very old. I am now of an age when I thinking about retirement and needed to simplify and modernize my pensions, and ensure our investments are secure for our families after our death. I also had an important decision I needed to make with one pension in particular.

How has Matthew Walne helped you?

Mathew helped us understand our pension & savings situation, make some key decisions on investments and consolidate pensions & savings. His advice has been clear, personal and relevant to our situation.

Have you seen the outcome you were hoping for?

We have been working with Matthew for a couple of years now, and we have achieved what we wanted to by this point. Obviously time will tell as to whether the decisions we have made are right for the long term, but we am certainly more confident that we are prepared for retirement than we were two years ago.

What could they have done better?

We have no complaints with the service & advice we have received.

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

Death of husband, who had also been a client of Matthew, and with whom I had attended consultations. Complete change of income, plans and circumstances, advice was required.

How has Matthew Walne helped you?

Sensetive advice, help with completion of Probate forms, transfer of accounts and investments appropriate to myself in different circumstances.

Have you seen the outcome you were hoping for?

Yes. Reviews on yearly basis and transfers to more suitable providers given where appropriate. Tax matters also processed within relevant tax years.

What could they have done better?

Nothing I can comment on, he appreciates I have financial knowledge regarding Shares, other accounts etc, and respects this, but I know my limitations, and respect his considerable knowledge in the financial fields.

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

Initially to manage my private pension

How has Matthew Walne helped you?

How to assess my personal risk comfort zone and invest accordingly

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 looking for an IFA nearer to my home as my previous IFA lives to far away from me now.

How has Matthew Walne helped you?

Matthew moved my former L&G investment bond to Nucleus as the L&G bond was selling my investment bond to a company I had never heard of.

Have you seen the outcome you were hoping for?

Yes, My investment is in a much better place now.

What could they have done better?

I wish I could have moved more of my financial investments this year however the pandemic put paid to that, however we look forward not backward, so I will talk to Matthew before tax year end 2021 and we will go from there. The reason for this is Matthew's advice was to stay put until then.

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

Had a query about my defined benefit pension and sought financial advice.

How has Matthew Walne helped you?

As we both had just retired we did a complete financial review and Matthew collated the nformation and put it in a readable format

Have you seen the outcome you were hoping for?

Yes, all my pension pots and other investments have been wrapped into one thus reducing charges with a better financial outcome.

What could they have done better?

We had to do all this under Covid restrictions so I don't know whether it could have been done any better.

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

My wife and I had savings to invest, but the returns from banks and building societies was pitiful. We decided to search for expert advice.

How has Matthew Walne helped you?

After numerous conversations with Matthew, he was able to produce reports based on future income and outgoings which indicated that I was able to resign from a lucrative, but un-fullfilling role, to pursue more interesting roles, while still being able to maintain our current lifestyle. With this new perspective on life, I’m finally free to choose a job which I love, even if it means earning less money. I feel truly liberated!.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

At this moment in time, Matthew has done all we require, and more!

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

I was trying to plan my retirement strategy and needed some independent advice on the best ways of approaching this issue.

How has Matthew Walne helped you?

My Dreams Are Now Just Months Away. My Work With Matthew Helped Transform Them Into Reality… “Matthew helped give me the confidence to walk out of my Managing Director’s role – without concern or fear – at the age of 65. Now living our dreams is non-negotiable. Instead of being consumed by business we can focus on our relationships. All of this has come about as a result of my work with Matthew. And it’s clear to me that “Santorini” is more than just a business – it’s a way of seeing life differently.”.

Have you seen the outcome you were hoping for?

With only two years to go before retirement the overall game plan is now working very well.

What could they have done better?

Everything seems fine so far

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

The past one (CWB) took money off me for +10 years and refused to clarify performance each year. After +20 refusals, I decided to terminate his advice!.

How has Matthew Walne helped you?

Long-term investment planning, reduction of fees and greater clarity (allegedly!) on Y-o-Y performance.

Have you seen the outcome you were hoping for?

Time will tell - only registered with him end of 2015, so keen to monitor progress over the coming years.

What could they have done better?

Give better indications of average performance over time. Most fund managers seem to come and go, so little by way of solid past track record....no guarantee of future performance though!

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

pre retirement planning and money inherited from family.

How has Matthew Walne helped you?

advised myself and my husband on annuities, investments based on our lifestyle and financial needs taking into account our attitude to risk.

Have you seen the outcome you were hoping for?

Given that interest rates etc are low and we have only been retired for two years we prefer to wait to see how things progress. However investments made with Matthew prior to retirement have been excellent.

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

time to organize life.

How has Matthew Walne helped you?

financial advice.

Have you seen the outcome you were hoping for?

too early.

What could they have done better?

not much

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

I found myself in the position of having to retire early through ill health.

How has Matthew Walne helped you?

Through his detailed analysis, he was able to demonstrate that I could retire with financial security.

Have you seen the outcome you were hoping for?

I am still a few months away from actual retirement, but the plans are all in place.

What could they have done better?

Can't really think of anything. He was always available to answer any queries or concerns.

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

How to invest our savings.

How has Matthew Walne helped you?

Investments.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, we were very satisfied.

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

My husband's unexpected death.

How has Matthew Walne helped you?

Found an investment that I was comfortable with.

Have you seen the outcome you were hoping for?

Not as yet as early days.

What could they have done better?

Nothing. Matthew took the whole process at a pace that allowed me to make a considered decision.

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

thorough review of current position and retirement planning.

How has Matthew Walne helped you?

Matthew has been an excellent all-round adviser, we've made one or two changes to my arrangements and also my circumstances have changed too over the years. At each stage, he has given clear explanations and clear advice, enabling me to make informed choices. His broad knowledge is excellent.

Have you seen the outcome you were hoping for?

excellent advice from Matt, planning for retirement...

What could they have done better?

Can't think of anything!

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

independent impartial advice needed.

How has Matthew Walne helped you?

Matthew has worked hard to establish his business. My wife and I have found him very personable, approachable and helpful in advising us on financial matters.

Have you seen the outcome you were hoping for?

yes.

Please provide a brief comment about your experience with Matthew

Please provide a brief comment about your experience with Matthew

Matthew responded promptly and I have since arranged to meet him, based on the information provided.

Please provide a brief comment about your experience with Matthew

How has Matthew Walne helped you?

Matthew listened to my initial requests and he then offered very sound and honest advice without any pressure whatsoever. I have worked with Matthew now for over 18 months and would strongly recommend his services to anybody who is serious about their future.

What could they have done better?

None as far as i am concerned.

How has Matthew Walne helped you?

I find Matthew very helpful and friendly. All questions are answered very thoughtfully. His subject research and knowledge is excellent and his advice very sound.

How has Matthew Walne helped you?

Matt makes it his business to really listen to his clients, getting to know them as people and and so give the best, tailored advice.

What could they have done better?

Sorry - can't think of anything!

How has Matthew Walne helped you?

Matthew has worked hard to establish his business. My wife and I have found him very personable, approachable and helpful in advising us on financial matters.

How has Matthew Walne helped you?

Assesses your lifestyle and attitude to risk prior to advising on investments taking into consideration age ,personal circumstance etc. Wehave been satisfied with the returns on our investments

What could they have done better?

Difficult to say as we have not had any other financial advisors and have always found him open, honest and well informed I think it would be helpful if we wanted to follow our investments closely on a month by month basis is to know where and how to find them either on line or in the press or maybe have some general information in his newsletter on how popular investments are doing.

How has Matthew Walne helped you?

I can strongly recommend Matthew as my Lifestyle Financial Planner. He provides a clear projection of future needs and requirements, and allows clear and timely planning to ensure that personal targets are met or exceeded.

How has Matthew Walne helped you?

Matthew came across as a genuine person who wanted to help and advise , not to " sell some product" that would benefit him. His communication skills are very good and will always act upon your request promptly and accurately. I have dealt with Matthew for several months now and would recommend him to any person who is serious about their future and is open minded to financial advice. .

How has Matthew Walne helped you?

I really like Matthew's approach with financial planning. Thinking about what the end goal is that you want to achieve and then Matthew doing the work to figure out how best to achieve it. It's a win win relationship really as the client gets what they need ultimately and Matthew makes a living!

What could they have done better?

The information you receive about your financial lifecycle is very comprehensive and great for those who want all the detail, but a 1or 2 page summary would be helpful at the beginning or then on an annual or bi-annual basis to see where there are any risks in your planning.

How has Matthew Walne helped you?

Matthew explains complex issues in a clear and concise way, he's patient and he put's you at ease. He's also flexible about when and where meetings are arranged, and he responds promptly to all correspondence.

What could they have done better?

Nothing comes to mind.

How has Matthew Walne helped you?

Matthew has given clear and effective advice, taking the time and trouble to put in place a long term financial plan. He has been honest and open. He has been very transparent about his charges and offered to underatke any research requested without hesitation.

How has Matthew Walne helped you?

Matthew has been an excellent all-round adviser, we've made one or two changes to my arrangements and also my circumstances have changed too over the years. At each stage, he has given clear explanations and clear advice, enabling me to make informed choices. His broad knowledge is excellent.

What could they have done better?

Can't think of anything!