James Etheridge

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

Desire to retire

How has James Etheridge helped you?

Excellent advice for our 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?

Wanted advice on retirement planning and pensions

How has James Etheridge helped you?

Helped us with pension options, choosing the appropriate financial strategy for us, and regularly reviews our situation. His advice gave us confidence in choosing an early retirement date knowing we could afford to do so.

Have you seen the outcome you were hoping for?

All is going well, we have “retired” early and been able to enjoy life knowing our financial plan is in place.

What could they have done better?

Nothing!

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

I required a financial review and plan following the sale of my business and approaching retirement. I also wanted inheritance planning.

How has James Etheridge helped you?

He has been very helpful and encouraging during the whole process. He has made the options and choices much more understandable and less daunting. The planning model and reviews have really helped us visualise and forecast the road ahead into retirement. This has allowed me to align my life goals with the financial resources available.

Have you seen the outcome you were hoping for?

Yes the investments and pensions have performed well, and the inheritance plan and family trusts are all in place. Altogether, I am more reassured about the future. Everything has met or exceeded my expectations.

What could they have done better?

Honestly nothing.

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

I required a financial review after the sale of my husbands business and entering retirement. I also wanted pension and inheritance planning

How has James Etheridge helped you?

James has been very encouraging and helpful with the planning process. He has helped us clearly see the way ahead. I now feel reassured regarding my finances as I go into retirement. I also feel happy with the advice given on inheritance planning and the family trusts that are now in place.

Have you seen the outcome you were hoping for?

Yes, investments have performed well. I can relax about my financial future and the protection of the family estate.

What could they have done better?

Nothing I am very happy .

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

I was approaching retirement age and needed to form a financial long term plan.

How has James Etheridge helped you?

James listened carefully to my full situation and made possible the investment of both my private pension and other savings in a way that both made sense and also gave a good return. Annual meetings make it possible to check that I am still on track.

Have you seen the outcome you were hoping for?

Yes - everything is on track and I am confident I will achieve my original intention of not being worried for the future

What could they have done better?

Nothing springs to mind - I have access to my account online so I can keep an eye on how its progressing and email/phone access if I need to contact the office.

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

Planning to retire early. Needed to understand if we had enough income to support our plans

How has James Etheridge helped you?

Helped us think and plan for our life goals after work, understand how much money we would need, and consider the assets and income flows we should e pect.

Have you seen the outcome you were hoping for?

About to retire at the end of the year and we are now confident that we are in a good place to meet our goals, thanks to James support and advise

What could they have done better?

Nothing

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

I have been a client of James for over 15 years. Hies help and advise have enabled me to be in a much stronger financial position for the future with pensions and peace of mind with insurance policies.

How has James Etheridge helped you?

See above

Have you seen the outcome you were hoping for?

Yes I have. My finances are in a much healthier position.

What could they have done better?

Nothing comes to mind

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

I had inherited a sum of money which I wanted to invest wisely

How has James Etheridge helped you?

James has provided me with clear information and advice on my options for investing and has provided valuable annual reviews on the performance of my investments. He has also made himself available for advice on an ad-hoc basis outside of the annual reviews. James also makes me think about how my circumstances may change in future years and what actions I may want to consider.

Have you seen the outcome you were hoping for?

The value of my investments have increased and largely in line with my expectations, despite turbulent events in recent years which have affected the markets across the globe.

What could they have done better?

I can't think of any changes that would be more beneficial at this stage as my needs are currently being met.

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

We were in our fifties and wanted to understand if there would be an opportunity to take early retirement

How has James Etheridge helped you?

James advised us on how best to invest our money and pulled together the bigger picture of all our investments so that we could easily understand our financial situation

Have you seen the outcome you were hoping for?

Yes, we now have a clear picture of when we can retire and confidence of our financial situation once we're in retirement

What could they have done better?

Nothing

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

retirement and pensions

How has James Etheridge helped you?

helping with the long term future for me and my wife with pensions and savings.

Have you seen the outcome you were hoping for?

yes we are getting there.

What could they have done better?

every thing is good.

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

Wanted advice on the various pension pots that I had built up over the years with different employers

How has James Etheridge helped you?

Helped me initially with advice on the pensions, but subsequently has been a major help in terms of all my planning for retirement/old age as well as inheritance planning

Have you seen the outcome you were hoping for?

Incredibly happy with the outcomes. Recently James saved me approximately £50k with his expert knowledge of pensions/tax by giving me advice that was absolutely correct, unlike the erroneous advice given to me by my accountant

What could they have done better?

Nothing - very happy with all the advice given over many years now

Please provide a brief comment about your experience with James

James and his team have demonstrated their commitment to resolve / untangle my somewhat complex personal finances

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

A family member was taken ill and he wanted to make sure everything was ‘in order’

How has James Etheridge helped you?

James gave us to confidence to purchase a campervan and live life - without James our lives would have been very different. It meant that we could take early retirement and enjoy ourselves.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I can’t think of anything, the service is perfect for my needs. Finance isn’t my forte but James presents everything in a manner that I understand.

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

To provide professional management of my financial affairs thereby giving me certainty over my financial position during retirement

How has James Etheridge helped you?

I delegated the administration of my savings/assets six years ago. After agreeing my, and my wife’s, risk appetite he reorganised our investments into a new portfolio at lower cost with less risk, better returns and improved diversity in assets selected. Regular meetings since then have kept things up to date

Have you seen the outcome you were hoping for?

Yes. James has given us 100% what we wanted in a polite professional and courteous msnner

What could they have done better?

Nothing to improve - don’t gild the lily

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

In 2017 I wished to investigate my financial options to enable me to retire early. I had several Money Purchase Pension pots and I wanted to understand whether they could be combined together into an investment fund and from that I wished to consider what were my Draw Down options.

How has James Etheridge helped you?

Initially James investigated each of my Money Purchase schemes, and a Defined Benefits scheme, and together with an understanding of my other assets he produced a financial plan and projected how much annual income I could anticipate for the remainder of my expected lifetime. From this work I was able to see that I could enjoy a generous financial retirement and that I could start that retirement whenever I chose.

Have you seen the outcome you were hoping for?

Each year James and I re-evaluate whether my financial plan is working out as I expect and, if necessary, make any required changes. So far the outcomes have been more than I had expected and my financial future is more secure than ever.

What could they have done better?

James and the team have always performed above expectations and there have been no aspects where I thought they could have done better.

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

My wife and I were approaching retirement, and wished to clarify our financial position and discuss options and strategies for investment to provide an income post-retirement commensurate with our lifestyle goals.

How has James Etheridge helped you?

The report prepared by James on the basis of the financial information supplied was professional and thorough, and was very helpful in our decision-making. Once we had decided to place a significant proportion of our pension and other assets with Focused Financial, they handled the whole process with equal professionalism.

Have you seen the outcome you were hoping for?

So far!

What could they have done better?

We have no complaints whatsoever thus far.

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

Consolidation of existing pensions and need for long term planning

How has James Etheridge helped you?

James provided advice covering a wide range of alternative planning strategies and advised on the most appropriate for my circumstances. The advice was comprehensive and expertly presented in an objective manner.

Have you seen the outcome you were hoping for?

The outcome has been excellent

What could they have done better?

All aspects of the advice provided were excellent

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

Wanted some professional advice regarding where to invest our savings, having recently retired.

How has James Etheridge helped you?

James has given good advice on the placement of our investments, paying due regard to our assessment of risk. He has also been insightful with our succession planning.

Have you seen the outcome you were hoping for?

Yes. James has talked through and explained the outcome of our investment portfolio.

What could they have done better?

Nothing!

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

Advice on retirement and pension planning.

How has James Etheridge helped you?

James has helped and supported us on our move into retirement and advised on pension planning and investments

Have you seen the outcome you were hoping for?

Yes and we will continue to work with James in the future.

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

We sought financial advice due to receiving inheritance.

How has James Etheridge helped you?

James has helped us to invest in a manner most suited to our needs and lifestyle. His expertise makes us feel confident in planning for the future, gives us reassurance and peace of mind.

Have you seen the outcome you were hoping for?

We continue to invest with James' help and advice because we can see the longer term benefits.

What could they have done better?

We have always been happy with the relationship we have with James and the advice and service he provides.

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

I was dissatisfied with my adviser at the time. James was recommended to me by a neighbour

How has James Etheridge helped you?

James’s advice has helped me understand my finances and feel in control

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 looked for a financial adviser when I retired and at the same time inherited some money.

How has James Etheridge helped you?

James has helped me to think about the resources I have, and to identify my goals i.e. what I want to do with those resources. He has provided clarity and reassurance and has not only understood my priorites, but helped me to determine them. The process has been reassuring and given me a sense of security which I did not have when I first approached the service.

Have you seen the outcome you were hoping for?

The financial climate has not supported the financial benefits we planned for but I remain confidant that over the long term the financial strategy is sound.

What could they have done better?

Given the financial climate of the UK, I am really not sure. I have made the job harder by insisting on ethical invesstments.

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

We were considering our options for retiring early

How has James Etheridge helped you?

He has helped us realise that retiring early is a real option, organise our investments and plan for the next stage in our lives

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

No

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

I inherited money and was looking for long term investment options

How has James Etheridge helped you?

James has helped to guide me throught the complex areas of personal finance and investments, answering any specific queries I raise and always been available to provide advice outside our normal annual review

Have you seen the outcome you were hoping for?

on the whole I believe my long term goals will be achieved, despite the impact of current global pressures that have impacted the markets in general

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

We wanted an advisor that was qualified and experienced in financial planning. One that was willing to commit to the time and comprehensive support we were looking for. We wanted a service and relationship with an advisor that we could rely on for the long term.

How has James Etheridge helped you?

James has taken us through the financial planning process and produced a plan that gives us a confident view of our retirement years. We were impressed with his level of professionalism and his ability to explain some complex financial and legal concepts in a way that we could easily digest. James and his staff have gone out of their way to answer our many questions and are always willing to go over things as often as we need to.

Have you seen the outcome you were hoping for?

Yes we have the comfort of knowing all our affairs are in order and our wealth plan is set up for growth, income and is protected down through our family line.

What could they have done better?

Nothing springs to mind so far.

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

Retirement and pensions

How has James Etheridge helped you?

James has looked after our money for few years now. And is always helpful and explained everything simply so we can understand.

Have you seen the outcome you were hoping for?

Times have been tuff the last few years. So we think he has done his best.

What could they have done better?

What James has done could not have been better.

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

When we retired we had quite a large pot of cash that we didn't want to fritter away. James immediately understood what we wanted and how we both reacted to risk.

How has James Etheridge helped you?

He advised us on our investments, which we have had a very healthy return from. As we both had children from our previous marriage's he also helped and advised us in setting up a trust and powers of attorney. So that we are both happy that our wishes will be carried out.

Have you seen the outcome you were hoping for?

100% I think this is the best thing we could have done.

What could they have done better?

I cannot think of anything they could have done better, to be honest.

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

Needed someone to provide advice on investments and retirement planning

How has James Etheridge helped you?

He understood my requirements correctly gauged my risk appetite and provided a diversified portfolio to support my goals

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing If it isn't broke, don't fix it!

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

I was looking for advice about combining several Money Purchase Pension schemes into one and to establish whether these combined funds would be sufficient to enable me to leave work and retire early.

How has James Etheridge helped you?

James provided clear guidance around my options and he combined this together with an understanding of what I hoped to achieve so that he was able to present a clear path to retiring early using Drawdown from my pension funds to achieve this.

Have you seen the outcome you were hoping for?

I've been delighted with my decision to retire early. The advice James has provided, throughout the years, has enabled me to plan my finances and to have the confidence that my financial future is secure whilst allowing me immediate funds to fulfill my retirement ambitions.

What could they have done better?

I can't think of anything James and Focused Financial could have done better.

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

My husband and I were looking for current and future pension and investment advice. We also have a dream of full time travelling in the next couple of years.

How has James Etheridge helped you?

James has helped us understand what our financial future looks like including the reality of taking time out from employment, and the implications of this. He has provided us with a comprehensive overview of our pensions and investments which is displayed in an easy to comprehend format. He is extremely well informed and has a great back up team.

Have you seen the outcome you were hoping for?

He has literally turned our dreams into reality.

What could they have done better?

Absolutely nothing!

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

The desire invest inheritance and savings to secure a sound financial bases for retirement and pension management.

How has James Etheridge helped you?

James carried out a thorough audit of our finances when we initially approached Focused Financial Limited He then took the time to understand our aims and personal objectives for a financially secure retirement and sound estate management for our children and grandchildren’s benefit . James appreciates our approach to risk and return and has tailored our investment and portfolio accordingly. All of these key elements, and any other financial issues that arise, are monitored, updated and adjusted via regular review meetings. In addition, James is always happy to discuss and provide advice on any ‘ad-hoc’ financial issues or questions we have as they arise. In summary: Working with James has given us the assurance and peace of mid that the money and savings we have worked so hard for are now working as effectively as possible to provide us with a financially secure retirement.

Have you seen the outcome you were hoping for?

Yes. We are assured that we can look forward to a financially secure retirement.

What could they have done better?

We have no suggestions for improvement

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

Downsizing left me with a sum of money. This would be my "pension pot" and I knew I needed to invest it and not leave in my bank account

How has James Etheridge helped you?

James keeps me advised on my investments and, with an annual review, helps me understand the state of my finances. James knows that sets of figures confound me and presents my statement in simple column graphs. He checks my financial outlay for the previous year, we agree on the monies I will need for the coming year and makes sure I have no expected extra outlay for the coming year. He also makes enquiries with other professionals about money matters of which he is unsure.

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?

We needed advice following our decisions to retire early.

How has James Etheridge helped you?

Year on year, James provides us with peace of mind and unbiased guidance on managing our financial affairs.

Have you seen the outcome you were hoping for?

Yes we have.

What could they have done better?

We are totally satisfied with the service provided.

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

I was coming up to retirement and needed advice on what to do with my savings, the process of accessing my pensions and how I would stand financially through my retirement.

How has James Etheridge helped you?

James has been my advisor for three years providing invaluable guidance through the process of accessing my pensions and support as issues arose. He has provided valued insights for my financial planning, investment of savings after retirement and other financial matters such as Wills, Powers of Attorney and future Inheritance planning. The annual planning meeting is a valuable exercise, not only for James input but also encourages personal thought about your financial position and future plans.

Have you seen the outcome you were hoping for?

Now 3 years into retirement, 2022 was not what I would have hoped for, but as James had pointed out from the beginning every now and then these sort of things happen. Hopeful that the future will see stability return to the world and put things back on track. Happy to take the longer term view.

What could they have done better?

Global events not in James control any more than mine. Investment platform reports available to clients could be improved in some respects. Hard to think of anything specific that could be done better that is in James' control. More than happy with the advice and support that James and his team provide.

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

I was unhappy with the lack of communication from my previous adviser. James was recommended by a neighbour

How has James Etheridge helped you?

By helping me have a clearer understanding of my investments and having control over my financial planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot see how there could be improvement- excellent advice and communication

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

Preparation for retirement

How has James Etheridge helped you?

Through thoughtful, knowledgable advice based on experience and empathetic understanding of our needs

Have you seen the outcome you were hoping for?

Yes. We are assured about our financial futuree thanks to James' excellent advice

What could they have done better?

Nothing comes to mind

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

Management of finances as we approached retirement.

How has James Etheridge helped you?

James has been our advisor for several years and has assisted in our financial planning after retirement including advising on our SIPP.

Have you seen the outcome you were hoping for?

Yes we have.

What could they have done better?

Nothing.

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

I wanted to retire early and needed help to see if I could afford to.

How has James Etheridge helped you?

He collated all my company pension scheme values and advised me on options to allow me to retire immediately.

Have you seen the outcome you were hoping for?

Definitely. I was able to retire 7 years early.

What could they have done better?

Nothing. Excellent service and James keeps up with any changes that I need to be aware of, letting me know in a timely manner.

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

Pension transfer

How has James Etheridge helped you?

James has helped me greatly by investing my pension pot and making extra money for my retirement.

Have you seen the outcome you were hoping for?

Yes , I’m really pleased with the outcome from James .

What could they have done better?

Don’t think anything could be done better. I would certainly recommend James to anyone.

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

I came into an inheritance

How has James Etheridge helped you?

James has helped identify the best style of portfolio to suit my attitute to risk and plan for the future

Have you seen the outcome you were hoping for?

Prior to recent global events, my portfolio 12 months ago was reflecting a reasonable rate of growth. Due to market turbulance in 2022, the return on my investment has unfortunately reversed which would therefore not be the outcome I was hoping for after 5 years. I am however optimistic that growth will return once global events have improved and markets become more stable.

What could they have done better?

Bearing in mind the global nature of events which have affected the market I'm not sure anything could have been done to mitigate the adverse impact on the current portfolio. However, I think the portfolio might benefit from expanding the number of funds and providers to give additional diversity and perhaps include some actively managed funds within the risk category appropriate to the portfolio style, albeit these might attract additional charges.

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

Needed to get better control of my investments

How has James Etheridge helped you?

Took my wife and I through the process of: ascertaining what we actually had; what our risk appetite was; how we could establish a way forward

Have you seen the outcome you were hoping for?

Yes: better balance to our investments; better rates of returns; reduced fees. Also made better use of my SIPP and provided advice and help on wills, powers of attorney and inheritance planning

What could they have done better?

Nothing. That is why I have recommended James to other people

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

Retirement caused us to seek financial advice.

How has James Etheridge helped you?

We have valued the help given to us by James and the team at Focused Financial. The processed has uncovered a number of points which has caused us to think again about our future, from updating our Wills do our current investments in bonds etc, match our future needs.

Have you seen the outcome you were hoping for?

At this point in time, we feel, we are moving in a direction that is producing some charity, where there was not enough.

What could they have done better?

Again at this point in time, it is difficult to make comment on improvements that could be made.

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

We are both nearing retirement so we wanted to ensure that we had advice about our current financial situation and potential changes required to deliver a retirement that allows, as close as possible, a continuation of our current lifestyle.

How has James Etheridge helped you?

We are still going through the process with James and his team but the feedback provided so far is very helpful.

Have you seen the outcome you were hoping for?

Subject to confirmation once we review the final report; at face value yes things seem clear.

What could they have done better?

Nothing so far!

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

Recently retired and had some money to invest

How has James Etheridge helped you?

Invested our money giving us a reasonably cautious portfolio

Have you seen the outcome you were hoping for?

Yes and thought through and explained well and clearly

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

Redundancy and life events

How has James Etheridge helped you?

He enabled us to set our life aims and work towards achieving them.

Have you seen the outcome you were hoping for?

Yes, and more. He has taken the worry out of planning for the future, and made us feel more in control.

What could they have done better?

Nothing.

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

I was dissatisfied with the poor responses of my previous adviser

How has James Etheridge helped you?

He took time to understand my concerns and priorities and helped me understand how my investments could help me achieve my goals. I’m so pleased I changed adviser.

Have you seen the outcome you were hoping for?

More than I was hoping for.My investments are providing the expected return and I am beginning to have confidence to spend as planned during my annual review.

What could they have done better?

Nothing.I am very happy with the service provided

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

I was looking into to retiring early.

How has James Etheridge helped you?

James helped us with financial planning and in sorting out our various pensions

Have you seen the outcome you were hoping for?

Yes we have seen a return on our investment and are confident that our financial affairs are in safe hands

What could they have done better?

Nothing. Excellent service

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

We have worked with James and the team for 2 years as we wanted to seek advice as we approached our retirement.

How has James Etheridge helped you?

James has provided clear and helpful advice and given us confidence that we are in a good position for retirement. James has also listened to us and considered our personal views and concerns.

Have you seen the outcome you were hoping for?

Yes, we are now near to retirement and have confidence in our financial position and the way forward.

What could they have done better?

We have met James several times and on each occasion , his clear and careful approach has been brilliant so there really isn't any area's of improvement.

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

I have been a client since I retired and felt insecure about dealing with y finances.

How has James Etheridge helped you?

James helped me identify my goals; clarified my financial position and explained my options clearly and patiently. He helped me to do simple things that I naturally avoid, like calculating my usual expenditure and identifying savings and shortfalls.

Have you seen the outcome you were hoping for?

Yes, having James to help means that I feel secure. I know that I have resources to live my life as I want to, and to fall back on in an emergency.

What could they have done better?

I always come away from review meetings feeling calm and positive.

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

I had just sold a property and had a small amount to invest. I also had a few pensions and I wanted guidance as to the best way forward with them to maximise the return for my retirement. As I did not have any financial knowledge I was looking for an Independent Financial Adviser I could trust to manage my money to enable me to meet my goals. I have also received advice from James regarding protection.

How has James Etheridge helped you?

James helped me by getting a good understanding of my circumstances, financial and life goals and providing me with a comprehensive report of his recommendations. The report reassured me that James understood what I wanted to achieve and that it would be possible if I was to follow his recommendations. Over the years I have been a client of James my circumstances have changed and James has taken the changes on board and has been able to advise me what changes if any I need to make to ensure my goals can continue to be met. James is very approachable and arranges annual meetings to review my circumstances and make sure things are on track - this is very useful and reassuring.

Have you seen the outcome you were hoping for?

I have seen the outcome that I was looking for as my savings and pensions have increased in value by much more than they would have done if I had left them where they were. James explains the pros and cons of all the recommendations he makes and this enables me to be informed when making choices and decisions for my monies and my future.

What could they have done better?

I do not think James could have done anything better. James is approachable, informative and makes the whole advice process less daunting.

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

6 years ago I wanted to retire early, so found James online and made an appointment to see him. I provided him with the details of all my pension pots from various previous and current employments.

How has James Etheridge helped you?

James checked the values of my pensions and advised me on how I could invest the money to enable me to retire early. Within a few months everything was in place and I retired from my full time employment. James continues to advise me annually at my pension review with the aim that I will not run out of money in my later years.

Have you seen the outcome you were hoping for?

Definitely!

What could they have done better?

Nothing. I am perfectly happy with the service I receive from James and his team.

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

I was looking at retirement options and needed advice as to whether I could stop work or for how long I would need to continue to work in a job, that was making me unwell due to stress.

How has James Etheridge helped you?

James Listened very carefully to our aims and aspirations, reviewed our finances and clearly set out options to achieve our aims. As a result of his analysis I opted to leave work and take retirement at age 60. Together with my wife we discussed our approach to risk and selected an investment scheme that met our risk profile.

Have you seen the outcome you were hoping for?

Yes. We are very satisfied with the outcomes.

What could they have done better?

I have been unable to identify any shortfalls.

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

Wanting to maximise our savings interest during a period of low bank/building society interest rates.

How has James Etheridge helped you?

Planning, financial advice and some good suggestions I had not considered myself.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Very happy with service.

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

After my father's death in June 2014 a discretionary Will Trust was created to provide an income for my stepmother during her lifetime. As Trustees, my sisters and I needed sound financial advice on the best way of achieving this objective whilst maintaining the value of the capital invested.

How has James Etheridge helped you?

After establishing our attitude to risk, James arranged for the Trust capital to be invested in a suitable portfolio platform providing an income yield together with the potential for capital growth over the longer term. Focused Financial portfolios have significantly lower ongoing costs than the average "actively managed portfolio" in the UK, and allow James to keep an eye on the Trust investments and carry out annual reviews and periodic rebalancing of the portfolio if required.

Have you seen the outcome you were hoping for?

Most certainly: all the objectives of the Trust are being met, and the investment strategy James has selected allow smooth, efficient management of the Trust's assets with minimal intervention required from the Trustees .

What could they have done better?

I cannot see any significant way in which the advice and service provided by James could be improved.

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

On retirement we both had lump sums, which we wanted to invest and we wanted advise on our wills as we had both been married previously and have children from our previous marriages.

How has James Etheridge helped you?

With regards to our wills James helped us set up a trust fund and he also directed us to the right person who set up our powers of attorney. James also helped us decide on an investment portfolio that we are both happy with.

Have you seen the outcome you were hoping for?

Yes it has been better than we anticipated in fact we think it is one of the best decisions we have ever made.

What could they have done better?

Nothing that we can think of.

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

I was looking for a competent and dedicated financial advisor. I found this in James. He has provided very good advice and assistance with my pension and retirement planning.

How has James Etheridge helped you?

Pension and retirement planning

Have you seen the outcome you were hoping for?

Yes. I am now in a position to retire early with sufficient pension to see me through my retirement.

What could they have done better?

I was entirely pleased with the service I received from James at Focused

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

Having taken early retirement I needed to review my income, savings, investments and trusts to provide financial security into the future

How has James Etheridge helped you?

James took time to understand how I wanted my finances to work for my current and future requirements and plans. Through a process of clear, detailed planning and regular review James has provided me with a clear advice for a financially secure future. In particular James and the team at Focused Financial have been invaluable in assisting with the investment of a discretionary trust.

Have you seen the outcome you were hoping for?

Yes. This, in my opinion, is financial management as it should be. James understands my situation and needs, responds with sound advice and guidance and is always available, without being intrusive.

What could they have done better?

I am very happy with all aspects of my relationship with Focused Financial

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

I was diagnosed with cancer and wanted to make sure my family would be financially cared for long term. We also wanted to look at our options for now.

How has James Etheridge helped you?

Arranged pensions transfers and look at tax incentives not only for today but for the future.

Have you seen the outcome you were hoping for?

It’s early days yet but my wife and I both felt totally confident that focused financial could deliver to meet our needs

What could they have done better?

I have to say they were very thorough in the presentation and fully answered all our questions.

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

I neared retirement and wanted a review of my financial position and advice on my pensions.

How has James Etheridge helped you?

James guided me through the process of accessing my pensions and produced a detailed review of my financial position. His guidance and support in accessing my pension benefits has been invaluable and his review of my financial position through a series of meetings during which he showed as much interest in me as in my finances was very detailed providing clear recommendations for me to consider and has been both informative and reassuring. He also provided insight to other topics that I should think of but had not done so before speaking with him.

Have you seen the outcome you were hoping for?

In line with expectations but enhanced with some extra detail and knowledge. Projections provided were very informative. Access and support has been of a high standard.

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

On retirement of both myself and my wife, there was a need to review various private pension pots to consider options. In addition we required advice on family trust creation and long term investment.

How has James Etheridge helped you?

The initial stage consisted of very detailed analysis of expenditure and revenue, also analysis of various investment options and personal profiles of risk analysis and long term objectives. This proved interesting and created focus where previously this was some confusion in our minds and objectives.

Have you seen the outcome you were hoping for?

The resulting analysis provided clear planning and clarity of objectives.

What could they have done better?

Neither my wife or myself could suggest how to improve the service we have experienced. We have been advised professionally and have always had our queries and questions responded to promptly.

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

Had recently retired so needed some professional advice regarding where and how to invest my lump sum and savings

How has James Etheridge helped you?

James reviewed my finances and gave very good advice on investment planning. The risk factors inherent in investing were very well explained.

Have you seen the outcome you were hoping for?

Yes. We get regular updates and annual meeting

What could they have done better?

James was very patient, took the trouble to understand our family and financial circumstances and explained risk factors well

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

We were looking for someone to give us straightforward advice as we approach our retirement.

How has James Etheridge helped you?

James did exactly what we needed, he spent time listening to us and asked lots of questions , which gave us confidence that he was looking to understand our position and our concerns and requirements. It was great to speak to someone who took the time to explain the complexities of pensions and we came away with a much better idea of what we could and wanted to do.

Have you seen the outcome you were hoping for?

Yes we have, although we haven't retired yet , James gave us the confidence to understand what we could do with our retirement income and when the time comes we will certainly go back to James for further support and advice.

What could they have done better?

Nothing really - we got exactly the help we needed.

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

We approached Focused Financial as a local company recommended by the FSA when we had some important questions about our pensions and when we would be financially able to retire.

How has James Etheridge helped you?

James was extremely thorough in reviewing our situation and as a result of our discussions we were in a position to start a very welcome phased retirement which we had not felt was possible at that time. He has always been responsive to any questions and provided us with clear advice which we have found always to work well. We would warmly recommend Focused Financial to other people looking for impartial, clear and comprehensible financial advice.

Have you seen the outcome you were hoping for?

We have certainly seen the outcome we hoped for.

What could they have done better?

Nothing comes to mind as we do not have wide experience in this field.

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

I was looking for a financial adviser to review my finances and get a plan in place leading towards retirement. I had several small pension pots and wanted to know my options regarding these.

How has James Etheridge helped you?

I had no knowledge about pensions and had not worked with a financial adviser before so was apprehensive but James put me at ease and explained everything in simple terms. James took time to understand what I want my life to look like and has helped me put a plan in place.

Have you seen the outcome you were hoping for?

I am on path to be able to retire when planned.

What could they have done better?

I am very happy with all that James and Focused Financial have done and do not think there is anything they could have done better.

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

The stage of my life meant that I needed to gave an audit of my financial position and be presented with options

How has James Etheridge helped you?

James drilled down into my and my wife’s assets, and outgoings and established our risk appetite. He then presented us with options and advice. He designed us a strategy that took a balanced view of risks vs rewards. In setting the strategy he challenged our understanding to ensure there were no misconceptions

Have you seen the outcome you were hoping for?

The strategy has worked. We cannot afford to leave investment income on the table nor can we afford massive losses as we have no external income flows sufficient to replace losses. The proof of the pudding were the market losses imp I act of Covid-19. We were able to monitor the impact through their online investment valuation system portfolio valuation. We are within our risk appetite

What could they have done better?

He has already done it! Relocated office and now provides car parking

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

I had returned to the UK having been living and working in Australia for the previous 9 years. I was just retired and needed advice on how best to manage some limited savings and a small inheritance.

How has James Etheridge helped you?

James was very responsive to my "demands"! I did not want to invest in some defined areas that I consider unethical and damaging to the planet. He did a lot of research before proposing how he would manage my money.

Have you seen the outcome you were hoping for?

I have been pleasantly surprised with the year on year results from my investments even during some rocky periods and on occasions when I have been forced to draw down rather than leaving my 'pot' to increase.

What could they have done better?

I can't honestly think of anything James could have done differently or better. I feel confident in trusting him to do his best by me!

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

I contacted Focused Financial about 5 years ago to see if I could afford to retire early with my pension pots I had accumulated from various employments over about 30 years.

How has James Etheridge helped you?

James quickly informed me that it would be possible to retire, and advised on the best way to make investments to ensure the best possible yield. I have ongoing annual reviews of my pension pot valuation, and to check on my plans for the future to see if any tweaks are needed to my investments and whether I need to change the way I receive my pension.

Have you seen the outcome you were hoping for?

Absolutely yes!

What could they have done better?

Absolutely nothing. His way of working and the advice he gives is perfect for me.

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

I was approaching my 60th birthday and needed to plan my future in financial terms and to determine when I would be in a position to retire.

How has James Etheridge helped you?

James analysed our savings and spend profile, and our appetite for risk and concluded that I could actually retire at that time should I wish to do so. I subsequently retired at the end of the year.

Have you seen the outcome you were hoping for?

Yes. The knowledge that I could retire gave me the freedom to think clearly about my future. Having now retired, the removal of the stresses involved in my job and those from commuting 50 miles per day has transformed my life. I am much happier and haven't been grumpy for months!

What could they have done better?

I have no comments about areas which Focussed Financial could have done better.

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

We were looking for a financial adviser who could assist with our retirement planning.

How has James Etheridge helped you?

James listened to what we had to say and completely respected our views and concerns. We particularly liked the fact that he was not pushing us down a route we didn't want , this was as a result of him understanding what we wanted to achieve post retirement.

Have you seen the outcome you were hoping for?

Yes - we are now very clear what options we have and how we can plan for the future.

What could they have done better?

Nothing really - James gave us the advice we needed and we will continue to consult with him as we plan our future.

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

I had several pensions and not understanding what the pensions were or what they would provide me with in retirement I was looking for advice as to the best way forward.

How has James Etheridge helped you?

James obtained updated information on the pensions and explained in lay mans terms the benefits that my pensions will provide on retirement, the terms and conditions and when the pensions can be drawn on. James has been able to show me visually and verbally how my pensions and investments will enable me to plan my retirement. The most important thing James has done for me is to make me understand the importance of Financial Planning. James was very patient and explained everything in terms that I can understand.

Have you seen the outcome you were hoping for?

I am very pleased with the recommendations James made for consolidation of my pensions and investments. I have gained peace of mind that I am on track to be able to reduce my working hours.

What could they have done better?

I am very happy with all that James has done for me. I do not think that James could have done anything better, he is very approachable.

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

I contacted James to see if I could afford to retire from work as soon as possible after I reached 60.

How has James Etheridge helped you?

James advised that I would be able to draw from one of my work pensions and invest the other pension in a SIPP. I would have had no clue about this without James's help. He made all the arrangements, answering all my questions. I am a very cautious person but James allayed my fears and I am happy that the investment advice given was right for me.

Have you seen the outcome you were hoping for?

I was able to retire a little earlier than expected without any financial worries.

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

I was approaching 55 and wanted the freedom to decide whether I continued with paid employment or whether I could spend time helping my elderly parents, baby-sitting my granddaughter and doing voluntary work. I had saved hard into several pension schemes and wanted to understand my options for using this money to provide me with an income.

How has James Etheridge helped you?

James provided me with advice and guidance which resulted in me opting to use some of my pensions to draw-down an income. James demonstrated how much income I should be able to take annually without running out of money later in life.

Have you seen the outcome you were hoping for?

I'm a few weeks off my 55th birthday so I've yet to take any income from the arrangements we have put in place but I'm confident and relaxed about entering a new period of my life where I'm not beholden to an employer for my financial well-being.