Carol Dickens

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

We needed a financial advisor to help with early retirement planning and investment

How has Carol Dickens helped you?

Carol has coached us through a lifestyle plan that is tailored to our retirement needs which has meant that we have had enough to fund all that we dream of in retirement

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Nothing everything has been perfect

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

Pension policies needed combining

How has Carol Dickens helped you?

All pensions managed centrally and earning value

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

There's lots of paperwork!

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

At the point where inheritance tax became an issue for us we wanted to put the best long term plan possible in place, including provision for early retirement.

How has Carol Dickens helped you?

IHT planning, pension transfer, long term investments and retirement planning.

Have you seen the outcome you were hoping for?

Yes - so far, very good!

What could they have done better?

Nothing - the returns are at least what we expected, the advice is timely and friendly and the administration is efficient.

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

It was my husband in the first place as he was finishing work with a lump sum.

How has Carol Dickens helped you?

Carol helped by giving advice on what to do with the money in the long term and now has been very helpful to me since I lost my husband.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I do not think there was anything better that they could have done.

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

needed help

How has Carol Dickens helped you?

advised us of our options

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?

Barclays Bank ripping me off

How has Carol Dickens helped you?

Had money from accident at work

Have you seen the outcome you were hoping for?

Yes

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

Retirement.

How has Carol Dickens helped you?

Carol has sorted my pensions.

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?

We wanted to make long term plans for early retirement many years ago.

How has Carol Dickens helped you?

Carol put various plans in place to make sure that our financial situation was able to support our lifestyle wishes. This took many years to come to fruition, but the results met our expectations.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure

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

20 years ago I was looking towards retirement and felt I needed professional advice on investing pension lump sums etc, and general financial planning.

How has Carol Dickens helped you?

She advised on the opportunities and products available, along with taking account of our specific needs, resulting in a very satisfactory outcome.

Have you seen the outcome you were hoping for?

Yes- the investment advice protected us, as far as possible, during downturns in the market, and ensured that in the long term, a very acceptable growth rate has been achieved.

What could they have done better?

There is nothing obvious which could have been improved on.

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

Prior to retirement 9 years ago I felt I needed proper advice on financial matters, specifically what to do with various pensions.

How has Carol Dickens helped you?

Immensely. She recommended an effective solution to the pension question, and her company expertly monitors the investment performance with Quilter to ensure returns are always positive.

Have you seen the outcome you were hoping for?

Yes. Though we'll never be rich, we are now financially secure

What could they have done better?

Nothing, everything they suggested/proposed has worked out perfectly

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

We moved home and needed a new advisor. Carol came highly recommended.

How has Carol Dickens helped you?

She has taken all our finances/pensions/inheritance planning and given advice on how to invest for a comfortable future.

Have you seen the outcome you were hoping for?

Very much so. We have no financial worries and know our money is growing rapidy but safely.. We can relax and look towards our futures.

What could they have done better?

Nothing. They are a very professional team. Each with expertise in various fields that are only too happy to talk and help us, as and when required. They do this in a very friendly way and talk us through and make sure we understand what will happen. They are all very approachable and keep us up to date on changes to our life style that may have an impact on our finances. I.E. changes at government budget time and financial changes around the world.

Please provide a brief comment about your experience with Carol

A very warm and welcoming office which immediately set the scene! Carol and Nathan talked to me about lifestyle etc really finding out what we wanted in life going forward, and a relaxed and comfortable manner so that they can help plan our financial future. I look forward to seeing the results of that and meeting up again. Thank you for your help and support so far.

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

Planning for the future

How has Carol Dickens helped you?

See above

Have you seen the outcome you were hoping for?

So far, so good

What could they have done better?

N/A

Please provide a brief comment about your experience with Carol

Carol and the team have been excellent. They are responsive and welcoming. We haven’t used a financial planner before so we were really put at ease and no question felt like a silly question. Carol really got to know us and our goals!

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

I had some money I wanted to invest.

How has Carol Dickens helped you?

Yearly reviews,excellent advice.

Have you seen the outcome you were hoping for?

I’m satisfied yes.

What could they have done better?

Nothing

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

We came into a substantial amount of money and wanted to invest wisely

How has Carol Dickens helped you?

Been very helpful choosing the right way to invest

Have you seen the outcome you were hoping for?

Yes our pot is steadily growing

What could they have done better?

Nothing really

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

Advice on a wide and complex market

How has Carol Dickens helped you?

Offered a good sounding board for options . Given good independent advice.

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?

Need

How has Carol Dickens helped you?

Pensions and investment and good sounding board for ideas

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?

My husband’s retirement and needed financial advisor.

How has Carol Dickens helped you?

When my husband passed Carol helped me going forward with advice on pension plan. If I have any query’s always happy to help.

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?

Property sale and pension maturity

How has Carol Dickens helped you?

Professionally

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

Nothing

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

My husband died and I needed help with organising my finances.

How has Carol Dickens helped you?

She has given me advice regarding the best ways to manage my finances with regard to the future.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don't know.

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

Long term planning for the family

How has Carol Dickens helped you?

She has an unique way of understanding her clients individual needs and very thorough in her recommendations and advices

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cheaper on fees, lol! But they are not the most expensive ones in this field and Carol always looks into ways to reduce the cost so her clients get a good deal!

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

Early retirement

How has Carol Dickens helped you?

Great advice and positive investment monitoring

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?

We first met Carol via a recommendation when we were considering seeking financial advice for our pensions and investments prior to retirement We have been with Carol for well over twenty years. I think that says a lot about how much we like and trust the service she and her company provide.

How has Carol Dickens helped you?

In all aspects of our financial advice requirements.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot

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

Many years ago, prior to retirement, I realised that I would have pension lump sums to invest and needed proper unbiased advice.

How has Carol Dickens helped you?

Good investment advice at the start and when specialised advice was required later on.

Have you seen the outcome you were hoping for?

Yes. The long term results have been better than expected, given the various economic downturns and crisis that have occurred over the years.

What could they have done better?

Nothing obvious to suggest

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

Had a Pension Pot that I needed advice on what was best for our circumstances

How has Carol Dickens helped you?

Carol has offered sensible advice to suit our individual needs.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really.

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

I accepted a Voluntary redundancy offer from my previous and I needed advice on how to manage the funds which were offered to me.

How has Carol Dickens helped you?

At every stage of the processes involved she has given me on going advice as and when appropriate and required.

Have you seen the outcome you were hoping for?

Yes I am totally satisfied with the results achieved since Feb 2009.

What could they have done better?

I am totally satisfied with the way they have managed my funds both in terms of the pension and equally the savings bond.

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

Reaching retirement age

How has Carol Dickens helped you?

Two decades of advice and guidance have helped greatly to make our retirement years financially stress free.

Have you seen the outcome you were hoping for?

Yes…..can relax and know our investments are being monitored constantly to avoid sudden or unexpected collapses

What could they have done better?

Nothing springs to mind

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

To make the best use of the money we had coming towards retirement and beyond.

How has Carol Dickens helped you?

By providing professional advice whenever needed, holding annual reviews to keep everything up dated and carrying out our wishes on drawing down money if required.

Have you seen the outcome you were hoping for?

On the whole yes, fluctuations in markets and upheaval in so many places are not in anyone’s control, so you have to be prepared to accept the ups and downs in performance.

What could they have done better?

We don’t in any way feel let down in the relationship we have with Carol and her colleagues, as mentioned markets are volatile and we believe they do every thing they can to make positive changes where possible, it’s in everybody’s interest to do so.

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

Wanted advice on pension planning

How has Carol Dickens helped you?

By advising on the most tax efficient way to invest

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?

My late husband and I needed advice on planning for retirement

How has Carol Dickens helped you?

Carol Dickens has helped me to decide where to invest, especially after I became a widow.

Have you seen the outcome you were hoping for?

Yes. The advice we were given met our needs.

What could they have done better?

Nothing comes to mind

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

For the best returns from my private pension

How has Carol Dickens helped you?

By investing our money wisely

Have you seen the outcome you were hoping for?

Yes

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

We needed advice on what to do with the savings that we had and to grow them for retirement.

How has Carol Dickens helped you?

Carol helped our money grow with safe investments and after my husband passed away sorted out changing everything into my name.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

For me I don't they could have done anything better.

Please provide a brief comment about your experience with Carol

Friendly and approachable and has taken time to get to know me and my requirements

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

Impending retirement, 8 years ago

How has Carol Dickens helped you?

She gave excellent advice on pensions and financial planning. Her company's internal systems, combined with Quilter's wealth management expertise, have kept our investments growing very satisfactorily despite adverse market conditions.

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

Nothing

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

Change of personal circumstances

How has Carol Dickens helped you?

She has been proactive in finding solutions to our changing life style, while still looking after our general investments.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Everything works like clockwork and the communicate and are available when ever we need them. Job well done.

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

Having a lump sum to invest.

How has Carol Dickens helped you?

Carol has helped us with her guidance.

Have you seen the outcome you were hoping for?

Mostly, taking into account the financial problems everyone has suffered.

What could they have done better?

Helped us win the lottery.

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

Many years ago we realised that we wanted to plan for early retirement with a high level of financial security. Carol was recommended to us and we have not regretted it.

How has Carol Dickens helped you?

Carol has listened to us and discussed our plans with us before putting in place a complex portfolio which has resulted in our ability to retire early. This was supported by regular reviews and took into account changes in our circumstances.

Have you seen the outcome you were hoping for?

Definitely. If anything the results are better than we had hoped for.

What could they have done better?

N/A

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

We needed regular help with financial planning

How has Carol Dickens helped you?

She has been a great help, helping us with professional financial services

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I am very happy with the service I've received

Please provide a brief comment about your experience with Carol

Carol has transformed the way we think about investing our savings, pensions and inheritance - with her guidance the lifestyle planning journey we have taken has enabled us to see the road ahead to retirement and beyond.

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

An overview and financial analysis of a few different pensions. Financial advice and future planning.

How has Carol Dickens helped you?

Carol has the ability to understand your financial needs and how to use them to create your personal hopes and dreams to achieve your goals in life! Carol inspires you to be able to achieve what you’re looking to accomplish!

Have you seen the outcome you were hoping for?

Carol is dedicated to providing advice for future financial security. Communication with Carol and the team is a priority for New Vision. The team at New Vision works with you and you know that you are being very well looked after!

What could they have done better?

Nothing. You are always kept up to date and certainly feel valued and understood.

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

Initially on retirement 20 yrs ago. On this occasion planning for one partners demise

How has Carol Dickens helped you?

Analysed and discussed possible future scenarios

Have you seen the outcome you were hoping for?

Yes

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

Bad advice from Barclays giving me wrong advice and lost money ie invested then found out it was a medical insurance i never asked for

How has Carol Dickens helped you?

helped me very well, Good advice and explains very well

Have you seen the outcome you were hoping for?

yes very much

What could they have done better?

Nothing has i can see, No problems

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

Combining two pensions and financial advice.

How has Carol Dickens helped you?

Superb financial advice from combining pensions, investment and general financial support through a redundancy situation. I cannot praise Carol and team enough. I am confident my finances are in safe hands. A huge thank you for another year of superb service.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Happy with the service

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

Retiring and needed advise on whether pension drawdown was the best option for me

How has Carol Dickens helped you?

Advised me on how to maximise my pension drawdown and tax allowance usage.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

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

When I had reached a position where I needed professional advise to best plan for future investment and maximise future income and inheritance planning

How has Carol Dickens helped you?

Has provided me with very good financial returns whilst always maintaining ongoing personal meetings to discuss portfolio changes and changing personal circumstances

Have you seen the outcome you were hoping for?

After carefully analysing my financial situation and setting my attitude to risk I am more than happy at where I now stand

What could they have done better?

No complaints whatsoever

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

My husband died leaving me with two children still in education.

How has Carol Dickens helped you?

Carol helped plan my finances for the future

Have you seen the outcome you were hoping for?

Yes, I think everything is growing in value.

What could they have done better?

No idea.

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

Planning for early retirement.

How has Carol Dickens helped you?

Maximising income in retirement and increased certainty about the plan before actually retiring.

Have you seen the outcome you were hoping for?

Yes - so far, very good!

What could they have done better?

Nothing.

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

I have been with Carol for over 20 years now. Initally to provide help with pensions and a mortgage I had.

How has Carol Dickens helped you?

Carol has always provided excellent guidance for all my financial affairs, saving me money from paying to much in fees to saving. Also guideance on the amount of tax I am paying so I get the best from my allowences. Also my pensions when I was working, and now I have retired to ensure I have the best way of using the income I have.

Have you seen the outcome you were hoping for?

Yes, Carol has always been open and honest and providing excellent help and guideance to all my finanical affairs.

What could they have done better?

I don't believe there is anything else Carol could have done better.

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

Retirement.

How has Carol Dickens helped you?

Carol has sorted out al my 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?

About 20 years ago, prior to retirement, I realised that I needed to make sure that I invested the retirement pension lump sums, and other capital, in a sensible way to provide both a possible extra income and a capital investment that was largely protected against the vagaries of the hoped for many years of retirement.

How has Carol Dickens helped you?

She understood what my needs were and provided me with advice that enabled me to invest in suitable products

Have you seen the outcome you were hoping for?

Yes. Although obviously investments have at times gone down, in the longer term the rate of retrun has been very positive and well above what might have been expected.

What could they have done better?

There is nothing obvious.

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

Investing your retirement income is a nightmare. You need a forward looking professional, for peace of mind.

How has Carol Dickens helped you?

Carol has looked very closely at all investments. Talked to us about our future requirements for both ourselves and family. She and her team then talked us through their suggestions. We are always included in all discussions and we are listened too. So important to actually understand our requirements.

Have you seen the outcome you were hoping for?

Very much so. Our investments have grown, even through the last few years of turmoil. She and the team are always looking forward to new investments that may help our income in retirement. They have achieved great Financial planning for our future.

What could they have done better?

Nothing. They are always there for us. This allows us to relax and enjoy our lives, knowing our investments are in very safe hands.

Please provide a brief comment about your experience with Carol

Easy and pleasant to deal with

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

How has Carol Dickens helped you since your last review?

Carol and her team have monitored my investments and recommended appropriate changes where necessary, resulting in continued forward progress with both accounts.

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

My IFA sold out to a to a well known pension provider and left me feeling like a fish out of water. I came across New vision through a Google search and was impressed with the reviews and the company ethos. I then decided to have New vision review my current pension investments.

How has Carol Dickens helped you?

Carol is a great listener. After our initial meeting she came back with a number of options and I have eventually made a decision on the way I wish to proceed.

Have you seen the outcome you were hoping for?

I have the outcome that I am looking for and the peace of mind that my circumstances have been throughly assessed. I feel that I have been treated as an individual not just another client which means a lot to me.

What could they have done better?

Nothing really, small team that know there stuff very meticulous and personable.

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

How has Carol Dickens helped you since your last review?

The good service and contact has remained, the economic climate and great uncertainty over the immediate and longer term situation in terms of energy costs and food and fuel prices are worrying, nobody can predict how this will pan out,but we feel our best option is to stay put and take advice when it’s relevant to our position.

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

By selling a house we had a significant amount of money to invest

How has Carol Dickens helped you?

She produced a report outlining the best way to invest our money

Have you seen the outcome you were hoping for?

It is in the process of being implemented

What could they have done better?

N/A

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

How has Carol Dickens helped you since your last review?

Carol Dickens has kept me informed of any changes to my investments,

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

To build up our assets ahead of early retirement.

How has Carol Dickens helped you?

She helped us to make decisions about the kind of investments we wanted, the timespan of investments and the risk level we were happy with. She has subsequently monitored the investments regularly, recommending changes as required. In addition Carol now works with us across all our immediate family's financial needs, keeping a holistic view of the situation as circumstances change.

Have you seen the outcome you were hoping for?

Yes - without a doubt.

What could they have done better?

I can't think of anything meaningful. We have regular reviews that are well prepared and effective and the end result is excellent.

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

How has Carol Dickens helped you since your last review?

With the current difficult market conditions, Carol has always been happy to offer advice and support if needed.

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

How has Carol Dickens helped you since your last review?

Carol has provide me with full financial report and guided me with checks and balances to my projections of financial outgoings and requirements.

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

How has Carol Dickens helped you since your last review?

Kept me up to date with market

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

How has Carol Dickens helped you since your last review?

Sorted my works pension so got a nice lump sum to re invest and a regular monthly income on top of my other forms of retirement income.

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

How has Carol Dickens helped you since your last review?

Offered excellent advice

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

To find out the best to way to invest my savings for my future

How has Carol Dickens helped you?

Yes she has with her advice and support

Have you seen the outcome you were hoping for?

Yes over the period that Carol.and the team have been advising me I have seen a more positive outcome

What could they have done better?

I am happy with everything that they have advised me on and done

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

After retirement we wanted help on what was the best way forward for us and our family.

How has Carol Dickens helped you?

She has always been there when we needed advice and always helpful.

Have you seen the outcome you were hoping for?

Yes we hope so.

What could they have done better?

Nothing, as they always have been able to help.

Please provide a brief comment about your experience with Carol

I appreciate that Carol came to meet my wife and I at home which saved me the trouble of driving to her office. Carol first gave me financial advice many years ago and her knowledge of the most appropriate investment’s tailored to individual needs has always been of great value to me.

Please provide a brief comment about your experience with Carol

Always friendly and informative, takes time to discover what your objectives are and explain the means available to achieve them.

Please provide a brief comment about your experience with Carol

Carol is a very friendly and professional lady who continues to advise me on options for my finances.

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

Impending retirement and a lack of confidence in the financial system at the time as it was not too long after the 2008 crash.

How has Carol Dickens helped you?

She gave excellent advice on where to transfer my existing pension pots, and existing ISA's, so that they would produce growth to fund my tretirement.

Have you seen the outcome you were hoping for?

Definitely. Though we shall never be rich we are certainly a lot more comfortable than I thought we might be before meeting Carol.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Carol

Always feel at ease talking to Carol.

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

did not feel able to judge myself

How has Carol Dickens helped you?

made appropriate sggestions based on our risk

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Please provide a brief comment about your experience with Carol

We have been with Carol for over 30 years as a financial adviser, always very helpful, professional and friendly makes it easy to talk to her.Always advised us well with our investments and keeping our finances in order.

Please provide a brief comment about your experience with Carol

Carol has provided me with very good advice since I started using her services over 10 years ago. I have the peace of mind of knowing that I will be able to retire earlier than originally planned with more than enough income to live on.

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

Some years ago, a few years prior to retirement, I realised that my various existing investments, and the potential lump sums etc. to be received when I retired, needed sorting out. Whilst most of my pension was to come from a final salary scheme, there was also an amount which would need investing in a drawdown or similar scheme.

How has Carol Dickens helped you?

Carol initially visited us at home, and illustrated how my wife and I could benefit from investment advice. She provided details of various possibilities and we decided on the most appropriate for our needs as we understood them at the time.

Have you seen the outcome you were hoping for?

Yes-, both investment and pension products have achieved a much better return than expected,

What could they have done better?

Very little, theres nothing that we felt obviously needs improving.

Please provide a brief comment about your experience with Carol

Very friendly and infirmative

Please provide a brief comment about your experience with Carol

We have been dealing with Carol and New Vision for many years now. The service we have received has always been excellent - personal, tailored to our specific needs and always about what we want to achieve. It was never just about the money, although Carol’s management has ensured that we are also very happy with the financial performance too.

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

Needed to make investments

How has Carol Dickens helped you?

Carol gave me all the confidence I needed to invest quite large amounts of money. This investment has generated large returns.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

Through house sale and reasonable success in my own investments required professional advice on future financial planning

How has Carol Dickens helped you?

Advised on movement of funds, risk levels , future income levels and inheritance tax outcomes

Have you seen the outcome you were hoping for?

Well satisfied with outcomes achieved

What could they have done better?

No complaints on services provided

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

I had just retired early and needed advice on investing redundancy payment. Also my we had just sold an inherited property and required advice on management of capital gains

How has Carol Dickens helped you?

Good advice after a thorough consideration of our circumstances and future needs and desired lifestyle.

Have you seen the outcome you were hoping for?

Yes. I have confidence that Carol understands our needs and ethics and attitude to risk

What could they have done better?

Nothing to comment

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

I wanted to consolidate a number of small and one large pension and to get the best advice I could with regards to making the most of my funds.

How has Carol Dickens helped you?

Carol offered friendly, helpful and professional advice.

Have you seen the outcome you were hoping for?

So far the results have exceeded my expectations.

What could they have done better?

Nothing really