Peter Fulcher

Please provide a brief comment about your experience with Peter

Warm personality, good knowledge of the subject discussed, fees a bit unclear.

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

I needed a review and management of my retirement arrangements

How has Peter Fulcher helped you?

I have received sound advice on the management of my pension and financial investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nil

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

As I am nearing retirement and unsure of how to create an adequate pension I took advice from Peter.

How has Peter Fulcher helped you?

Peter explained very clearly how I could top up my pension and gain tax refunds at higher rates.

Have you seen the outcome you were hoping for?

Yes I have gained a benefit of at least £40k from taking Peter's advice and I like the way Peter is able to explain the complicated world of Pensions.

What could they have done better?

The service has been excellent and Peter and his team alwys contact you when they say they will and make it easy to have face to face appointments.

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

Provide financial advice

How has Peter Fulcher helped you?

Put our minds at rest.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

n/a

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

I was given Peter as an advisor through an employer many years ago, I thought the advice was so good I stayed as a client long after leaving said employment.

How has Peter Fulcher helped you?

Advice such as which funds would suit my targets and when it’s best to draw or buy an annuity has made retirement easier than I expected

Have you seen the outcome you were hoping for?

We set a target for early retirement, and the advice given as to when to invest etc.. has allowed me to finish early

What could they have done better?

Nothing !!! Constant reviews of fund performance and best next step advice is everything

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

To ensure my financial circumstances were be kept in good order and to make any adjustments that may be necessary .

How has Peter Fulcher helped you?

By keeping me aware of any adjustments to my portfolio I should consider particularly in regard to poorly performing investments held elsewhere

Have you seen the outcome you were hoping for?

Generally my expectations were achieved given the current economic situation.

What could they have done better?

I think the service BPI provides is excellent and I don't see any areas that need improvement.

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

Close to retirement and needed my financial plans to be confirmed and improved

How has Peter Fulcher helped you?

See above

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nil

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

Pension transfer

How has Peter Fulcher helped you?

Moved my pension into a flexible self managed pension

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

It fitted all that I needed.

Please provide a brief comment about your experience with Peter

He made us feel relaxed from the start and was clear with what he was suggesting

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

Turned 57 and needed guidance regarding pensions transfer/access to pension funds

How has Peter Fulcher helped you?

Gave me very clear and easy to understand information on my options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think they could have improved on the service I received. Very professional and friendly

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

Help with investments

How has Peter Fulcher helped you?

Recommendations

Have you seen the outcome you were hoping for?

Due to circumstances, no.

What could they have done better?

Nothing

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

I needed to ensure investments were looked after

How has Peter Fulcher helped you?

Peter has ben really helpful and clear in the advice he has provided

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am happy with his service and have no concerns or complaints

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

To provide pension and investments advice

How has Peter Fulcher helped you?

Provide up to date information and advised me on my best options for the future

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing comes to mind

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

34 years ago for a mortgage

How has Peter Fulcher helped you?

Peter is always available for advice or any recommendations that I may be interested in.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They are excellent!!

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

I needed expert advice to manage my finances and to plan for the future

How has Peter Fulcher helped you?

Peter has explained the options, offered products and advice, all explained in ‘easy to understand’ terms and provided in a timely manner

Have you seen the outcome you were hoping for?

Yes, we are happy with how our portfolio has grown

What could they have done better?

There was a slight hiccup with the IT platform the company uses - this could have been sorted out more quickly

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

I needed financial planning advice following my husband’s and my mother’s deaths more than 15 years ago.

How has Peter Fulcher helped you?

Peter has given me exceptional advice regarding my finances over several years, always explaining things to me succinctly.

Have you seen the outcome you were hoping for?

Yes, Peter’s advice has resulted in very good returns on my various investments.

What could they have done better?

Nothing, I have received excellent service from Peter and his colleagues.

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

Previous advisor retired

How has Peter Fulcher helped you?

He has helped with my finances in an easy and friendly manner.

Have you seen the outcome you were hoping for?

I suppose current circumstances dictate the current outcome.

What could they have done better?

Nothing, but its early days.

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

Management of a lump sum

How has Peter Fulcher helped you?

By providing advice in terms of risk profile and the facility to consolidate my investments within a wrap facility.

Have you seen the outcome you were hoping for?

Performance levels are clearly explained during the annual review and I have been very satisfied with the overall management of the funds.

What could they have done better?

I do not have any reason to criticise. All aspects of the service have been carried out very professionally.

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

I was originally looking to consolidate a number of existing pensions and have that managed over time.

How has Peter Fulcher helped you?

Peter has helped with that initial consolidation and then taken on supporting pension and financial planning for my wife and I. He’s very easygoing and is a pleasure to deal with.

Have you seen the outcome you were hoping for?

The consolidation has been great and all ran smoothly. His advice on pension top ups and tax implications has been great and explanations helpful and clear. Was very happy with retirement income illustrations.

What could they have done better?

Nothing.

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

Ignorance about investing, pension schemes and advice with house insurance

How has Peter Fulcher helped you?

he set up various saving schemes, pensions and investments

Have you seen the outcome you were hoping for?

yes

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

Looking to consolidate pensions

How has Peter Fulcher helped you?

Peter helped me consolidate pensions and gave me general financial advice.

Have you seen the outcome you were hoping for?

Economic downturns and turmoil aside, yes.

What could they have done better?

He is already making regular checks, and advising on market fluctuations, and advise on and enable the appropriate adjustments.

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

I was introduced to Peter in 2007 by a retiring Financial Advisor. I was confused about my investments and was looking for advice and guidance to have a long term plan with my Mortgage and planing my retirement.

How has Peter Fulcher helped you?

Peter explained clearly and simply the investments I had, he immediately understood my needs and where I wanted to be. Throughout the time I have been with Peter my circumstances have changed both positively and negatively, whatever my circumstances have been Peter has given my financial options in a way I could understand to then make make my own decisions about my investments. I have always felt that Peter talks to me as an individual rather than “just another client “, he understands when I want to talk and when I don’t but still manages to communicate in either situation. As I head ever closer to retirement it is reassuring to have Peter steer me the right direction with understandable opinions.

Have you seen the outcome you were hoping for?

My investments have far and away exceeded any expectation I had. I have recommended Peter to my own children to seek financial advice and guidance when they require it.

What could they have done better?

I doubt if Peter could have stopped the global impact of the Covid Pandemic, Brexit and other worldwide Political issues, but I believe my investments couldn’t have been in better hands.

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

Peter Fulcher was recommended to us by our accountant.

How has Peter Fulcher helped you?

With comprehensive financial advice.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing, as far as we are concened.

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

Peter has been our IFA for some time now, but have continued as we trust his advice

How has Peter Fulcher helped you?

With pension and other investments as well as potential inheritance tax issues

Have you seen the outcome you were hoping for?

Hoping for better outcomes as the markets improve

What could they have done better?

nothing, short of stopping the Russian invasion of Ukraine

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

Advice and tax planning after a divorce settlement.

How has Peter Fulcher helped you?

My previous financial advisor at BPI retired and introduced me to Peter several years ago. Peter has been super helpful with his advice and I trust him and his team completely.

Have you seen the outcome you were hoping for?

Yes. I feel a valued client and Peter always responds very quickly if I have a query or need advice.

What could they have done better?

I honestly can't think of anything.

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

The death of my husband, who had previously dealt with most financial matters.

How has Peter Fulcher helped you?

He didn't attempt to steer me into any particular area, but gave a great deal of useful advice so that I could make decisions which satisfied me.

Have you seen the outcome you were hoping for?

Yes, I feel confident that this is the best way forward for me.

What could they have done better?

I do not think his service could have been better. His tactful questioning of my circumstances enabled me to feel that he had my best interests at heart.

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

Financial sectors upon climbing the mortgage ladder

How has Peter Fulcher helped you?

To me, Peter has been someone I trust from day one of introduction couple decades back. Peter has coached and guided me through financial barriers and advised on how to be secure and think out of the box. His advice through my Divorce has been instrumental.

Have you seen the outcome you were hoping for?

Slowly but surely.

What could they have done better?

They have advised to the best in the limits permitted, I don't think at this moment I have any comments on what could be better.

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

old age

How has Peter Fulcher helped you?

peter has always been honest, authentic and direct in any conversation i have with him. As such even if i dont like the what i am hearing i know its genuine advice.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

not much

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

A sudden availability of money to invest.

How has Peter Fulcher helped you?

Peter and team have provided me with a clear understanding of potential risks and rewards, of making decisions suitable to my objectives. Also provided with a safe, secure and easy to understand portal to track my investments. His team are friendly and professional and reply to any questions I may have at any time. I have regular checks and also an annual review with Peter himself regarding my investment and my circumstances to ensure I am happy.

Have you seen the outcome you were hoping for?

I hoped for a safe, predictable and profitable investment, which over the time of my investment is exactly what I have had.

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

We we’re clients of a company that was taken over by BPI.

How has Peter Fulcher helped you?

Peter has combined all my pensions into one account also given me information as to what were the best investments to suite my needs initially pre retirement and now post retirement also ongoing investments into ISAs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not sure they could have done anything better.

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

Retirement/Semi-retirement

How has Peter Fulcher helped you?

Provided advice on my pensions and savings

Have you seen the outcome you were hoping for?

In some cases yes, however the stock market had been down since investment which has been disappointing

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

With retirement approaching, I needed to be sure to use/invest available funds as effectively (and tax efficiently) as possible.

How has Peter Fulcher helped you?

With all the above.

Have you seen the outcome you were hoping for?

Bit early to report overall, but some initial advice & guidance has already been productive.

What could they have done better?

Difficult to say.

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

Required to remortgage

How has Peter Fulcher helped you?

He found a mortgage company and advised on my pension fund.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I do not think so.

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

my husband has used him for as long as I can remember.

How has Peter Fulcher helped you?

My husband sadly now has Young Onset Dementia. Peter has been amazing looking after me, our finances and explaining everything to me in an easy language to someone who knows nothing about money, pensions etc. I would recommend him to anyone.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

To collate outstanding old pensions that were with various different companies.

How has Peter Fulcher helped you?

To easily explain and understand the various options available and to make an informed decision. His approachable manner and invaluable experience helped us with every question and query.

Have you seen the outcome you were hoping for?

Yes and on an ongoing basis. Always kept informed and up to date.

What could they have done better?

Nothing based on our experiences. . It has been a seamless, proactive service.

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

My husband and I were considering early retirement and needed advice on options around workplace pension, private pension, redundancy payment and some savings.

How has Peter Fulcher helped you?

Peter untangled a lot of mystery around pensions and investments and the options available to us and we made immediate tax savings through maximising pension contributions. The advice and support we received made us realise that we could indeed retire earlier than originally planned. Peter and his team are always on hand to answer any queries we have and will chase us if there is an action to be done that will benefit our finances. Their customer service is excellent.

Have you seen the outcome you were hoping for?

We started using BPI in early 2021 when there was, and still is, a huge amount of financial turmoil globally. Taking this into account, we are satisfied that our respective 'pots' have performed as well as can be expected.

What could they have done better?

Nothing comes to mind.

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

My previous advisor retired and I received a cash inheritance.

How has Peter Fulcher helped you?

Sound advice re long term investment. Peter always available for prompt advice.

Have you seen the outcome you were hoping for?

I am not disappointed with the outcome given recent turmoil. Naturally would have wanted better.

What could they have done better?

Nothing - excellent service.

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

Initially, on redundancy in 2019, need for urgent financial support and sorting pension, enabling me to take early retirement due to the superb advice and support over a number of months. Peter is always there when needed ever since.

How has Peter Fulcher helped you?

Peter's knowledge of the financial world enabled me to manage my redundancy payment, together with pension and invest in a way that has ensured I have had a good income until my state pension kicks in this year. In addition things change, for example a recent inheritance. A quick email and an appointment is booked rapidly for sound advice on what best to do next. As we know Peter from years ago, we no longer live locally to him but he is always willing to meet face to face if needed. However we are more than happy to arrange a video call as Peter's easy manner makes it feel as if he is here in the room with us and we are always happy with the outcomes and advice given. Basically, Peter has taken away all the headaches and worry around financial planning. We discuss our needs for the coming financial year and he ensures everything is sorted for us. He checks on the risks we wish to take with regard to investments regularly and we have been more than happy with our investment turnover , despite the challenges of the last few years with Brexit and Covid.

Have you seen the outcome you were hoping for?

Absolutely. As mentioned the world of finance has been hit by Brexit and Covid so our expectancy of profit on our investments hasn't been that high. However we have been pleased to see that there has been growth which is good and reassuring, as we have 100% faith in Peter and his team to manage our portfolio to provide the best results, despite the challenging times.

What could they have done better?

Nothing that I can think of.

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

I needed to advice on my very limited pension and savings at the time

How has Peter Fulcher helped you?

Helped me boost my pension pot and invest my savings, and offering sound advice for the future

Have you seen the outcome you were hoping for?

Yes, and still working on it

What could they have done better?

I am very happy with the outcome and the ongoing help

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

General financial advice

How has Peter Fulcher helped you?

Supporting decision making

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?

Excellent professional service from Peter and his team.

How has Peter Fulcher helped you?

Always on hand for insightful advice. Thoroughly dependable

Have you seen the outcome you were hoping for?

Ongoing investment advice continues to deliver targeted outcomes

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

After we retired we needed advise to manage our savings and pension pots.

How has Peter Fulcher helped you?

During our initial meeting with Peter he was able to explain, in laymans' terms, the options available to us.

Have you seen the outcome you were hoping for?

Yes, we now feel in control of our money.

What could they have done better?

In light of the Market fluctuations we feel that the advice we were given was perfectly adequate.

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

Large sum from Redundancy followed by a large sum inherited

How has Peter Fulcher helped you?

Been very clear and concise about options

Have you seen the outcome you were hoping for?

In the short term yes, and it looks promising for the long term

What could they have done better?

Nothing really......

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

Required a draw down pension policy for my wife

How has Peter Fulcher helped you?

Discussed options - selected an appropriate provider - set the policy up in record time

Have you seen the outcome you were hoping for?

Initial outcomes yes - time will tell on the rest - looking good

What could they have done better?

Excellent service all round

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

Pensions and Investment

How has Peter Fulcher helped you?

Peter over the years has steered me in the right direction on many different levels, from pensions to moving our company property into a pension, which was a great relief. We have used his company for my sons Mortgage requirements, which was flawless, with great advice. I am semi retired and Peter has been guiding me through all my options. His knowledge is excellent and always on the end of a phone if I have any problems. I would certainly recommend Peter.

Have you seen the outcome you were hoping for?

As best we can expect with the fluctuating markets.

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

I found the whole area of pensions confusing!! I needed advice on what were my options especially as I was reaching 60 and wanted to work for another 5 years only.

How has Peter Fulcher helped you?

He guided me through my various pensions and helped me to organise my savings into one portfolio.

Have you seen the outcome you were hoping for?

Too early to day.

What could they have done better?

N/A

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

The pensions and investments arena is so large and diverse that I knew I neeeded guidance to navigate through it.

How has Peter Fulcher helped you?

He's helped me get my finances fully under control in one place, while also highlighting new avenues and opportunities I would otherwise have missed.

Have you seen the outcome you were hoping for?

Yes, I now have a clear view of what I have financially and where I'm heading. Plus I have a variety of investments, spreading the risk and increasing the opportunity.

What could they have done better?

Nothing I can think of!

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

Setting up a pension and consolidating finances during a challenging divorce process.

How has Peter Fulcher helped you?

Giving sound and effective advice on best course of action to optimise my assets ahead of a final settlement.

Have you seen the outcome you were hoping for?

Exactly as planned and advised

What could they have done better?

Nothing at all, Peter and Team pull off the very difficult trick of delivering expert financial advice in a way that is easily understood.

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

Only an idiot wouldn't

How has Peter Fulcher helped you?

Mortgages, including re-mortgaging and pensions.

Have you seen the outcome you were hoping for?

Mostly yes

What could they have done better?

Not helped Jacob Peyper

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

To help navigate the complications of managing pensions and investments to ensure that my funds at least keep pace with inflation.

How has Peter Fulcher helped you?

Advice & guidance.

Have you seen the outcome you were hoping for?

Too early to say.

What could they have done better?

Hard to say.

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

Our daughter had been employed by Peter’s company and suggested that we should consider them to look after our pensions. We’d only had ISA’s before.

How has Peter Fulcher helped you?

He has organised our pensions to work as best as they can in the current climate.

Have you seen the outcome you were hoping for?

With the financial situation as it is, it’s difficult to know what to expect. Hopefully it will improve before we need to use our funds.

What could they have done better?

Nothing that I could see.

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

Recommend

How has Peter Fulcher helped you?

Helped to guide us towards our goals

Have you seen the outcome you were hoping for?

I believe we

What could they have done better?

So far I don’t believe they needed to do better

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

The auto enrolment process

How has Peter Fulcher helped you?

Peter simply explained to us the benefits of the various pension providers and recommended the one that best suited our needs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

After initial teething problems the process has been running perfectly well

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

I had previously been given sound advice from BPI Many years ago when I had a mortgage and followed that advice. When I retired I wanted that same quality of advice to invest my pension.

How has Peter Fulcher helped you?

By giving that quality of advice and handling the investments professionally.

Have you seen the outcome you were hoping for?

The outcome has been very rewarding.

What could they have done better?

I don’t think there is anything they could have done better.

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

Many years ago we needed to find our pensions and release them as we were struggling with the how's and where's.

How has Peter Fulcher helped you?

Peter is more of a friend as well as a financial advisor. He does things properly and so we can trust him. He is always welcoming at our annual review and available with a quick and very helpful response when we need advise.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think he should stand for Parliament. Peter would suit number 11 and then we could all sleep in our beds at night.

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

I needed my pensions sorting and I previous advisers that did not understand one of my existing pensions.

How has Peter Fulcher helped you?

He looked at all my pensions and managed to sort out all my problems.

Have you seen the outcome you were hoping for?

Yes everything has worked out perfectly.

What could they have done better?

Nothing service has exceeded all my expectations given my previous experience with other advisers.

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

Company Pension

How has Peter Fulcher helped you?

Over the years have accumulated a number of pensions when we looked to group into one pot the advice Peter gave proved to be very good investments.

Have you seen the outcome you were hoping for?

Yes exceeded my expectations.

What could they have done better?

To my knowledge nothing.

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

Inheritance and the sale of my business.

How has Peter Fulcher helped you?

Peter has explained suitable options to invest and given me greater clarity over my pension contributions.

Have you seen the outcome you were hoping for?

Not exactly, although the last few years have been tough time to start investing for anyone!

What could they have done better?

Nothing, I feel confident I am in safe hands navigating future market forces.

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

Wanted a reliable financial advisor

How has Peter Fulcher helped you?

Excellent advice yes

Have you seen the outcome you were hoping for?

Yes I received the outcome I was looking for. Thank you

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

Age and changes to income.

How has Peter Fulcher helped you?

Pension advice and pension investments.

Have you seen the outcome you were hoping for?

Mostly, the way things are at present its understandable the markets are fluctuating.

What could they have done better?

Nothing.

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

Peter conducted a number of seminars for the employees of my company regarding pensions, i decided to seek Peter's advice concerning my own financial retirement planning.

How has Peter Fulcher helped you?

Provided sound advice regarding as to which pension best meets my personal circumstances.

Have you seen the outcome you were hoping for?

Whilst the Financial Markets are going through turbulent times, I am confident that over the next few years my financial goals should be achieved. th

What could they have done better?

Happy with the ongoing service and advise that has been provided

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

I had tried a number of advisers to advise me on long term pension planning and had not really gelled with any of them. I can't remember how I came across Peter - it was over 20 years ago - and I wasimmediately impressed with his acumen and energy.

How has Peter Fulcher helped you?

For the last 20 or so years he has helped me to formualte a strategy which would, firstly, enable me to pay off my mortgage and secondly to have enough money to live on for the rest of my life after retirement. Specifically he advised me on the optimal amounts to take out from my company to obtain the maximum tax relief and build up my pension pot.

Have you seen the outcome you were hoping for?

Yes - my mortgage was paid off immediately on retirement and my pension pot is sufficient to fund a decent lifestyle indefinitely.

What could they have done better?

Hard to say - I can't think of anything.

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

I was unhappy with the platform I previously had for my Pension savings and as Peter was recommended then I was very please to work with him and receive his expertise and support

How has Peter Fulcher helped you?

Peter has provided expertise and support to me in transferring my pension savings to a preferred platform and giving advice on longer term planning

Have you seen the outcome you were hoping for?

We are in the early stages but for now I am pleased with progress

What could they have done better?

They have been really great to follow-up with getting launched but because I'm busy and didn't always follow up immediately, they perhaps they could have pushed me more with reminders and getting me to work faster with the process. However they were tolerant and let me take my time, which maybe they shouldn't have been so much so? But we're over the line now and I appreciate that.

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

Had some extra money to invest. Also wanted to start a pension.

How has Peter Fulcher helped you?

Peter is very knowledgable about personal finance and he answers all questions that I present even if they are not related to my investments. Over time, my investments have increased in value. Peter and his team are constantly reviewing client portfolios and making adjustments in order to minimise risks.

Have you seen the outcome you were hoping for?

While everyone hopes their portfolio constantly increases over time, you have to be practical that there will be some tough times. So far, I have navigated these tough time very well. The outcome has met my expectations.

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

Need support on long term investments

How has Peter Fulcher helped you?

Recommending and managing long term investments. Financial, inheritance and retirement planning

Have you seen the outcome you were hoping for?

Yes, very happy with the advice and planning.

What could they have done better?

Nothing

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

I have worked with Peter for over 20 years and found his knowledge , professionalism and expertise to be of the highest standards

How has Peter Fulcher helped you?

Over the years in many ways, sometimes with simple help on pensions to more complex long term savings plans

Have you seen the outcome you were hoping for?

Very much yes, BUT you must remember that this is a long term view. Anyone lokking at the short term needs to remember what goes up also comes down!

What could they have done better?

Yes but hindsight is a wonderful thing, so I have no complaints whatsoever

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

Initially I needed help with a plethora of work based pensions, which had become difficult to manage and track.

How has Peter Fulcher helped you?

Peter helped me to review my pension investments and where appropriate combine into a single personal pension. Peter has provided valuable pension and savings / investment advice, as well as helping me focus on the future financial planning / entitlements.

Have you seen the outcome you were hoping for?

Yes, I now have focused / manageable investments and pension, along with regular reporting via an online solution and annual reviews. All of which I find invaluable and help me more accurately plan for my retirement.

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

To plan for the future.

How has Peter Fulcher helped you?

Offered relevant, clear and concise options/information on products/investmements.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

To advise regarding approaching retirement and general investment planning

How has Peter Fulcher helped you?

Given sound and well reasoned advice with all aspects of financial and retirement planning.

Have you seen the outcome you were hoping for?

Yes generally so and am very reassured over his handling of my affairs

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

To advise on pension planning

How has Peter Fulcher helped you?

He has advised me with regard to pension planning, investments and on equity release.

Have you seen the outcome you were hoping for?

In most instances I have seen the outcome I would have hoped for given the adverse market factors that have arisen over recent years

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

Originally my Mother’s Investment Portfolio using funds from the sale of the family house. My 2 daughters also had investment portfolios at the same time with very well managed funds eventually used for the purchase of property.

How has Peter Fulcher helped you?

I was fortunate to meet Peter on a number of occasions when he visited to discuss my Mother’s and Daughter’s portfolios. When I inherited my mother’s portfolio it meant for a smooth transition and he has been on hand to give me first class advice at anytime.

Have you seen the outcome you were hoping for?

I have been very happy with the performance of my portfolio over the last, very difficult few years. It’s value has held up extremely well despite the Worlds’ problems and I have every confidence in BPI managing my portfolio.

What could they have done better?

All good

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

I wanted to consolidate pensions and look for financial advice and insurance coverage for the business

How has Peter Fulcher helped you?

Peter and the team have provided expert advice, they are always available to talk through circumstances and have helped the business set up.

Have you seen the outcome you were hoping for?

Yes, we are covered as needed and our investments are looked after.