Julie Cooper

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

I was self-employed and needed to join a personal pension scheme.

How has Julie Cooper helped you?

She has advised me on pensions and pension transfers, draw-downs and ISA's.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything.

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

Divorced and planning retirement

How has Julie Cooper helped you?

Advised on amalgamation of pensions and investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to my knowledge

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

I needed to achieve the best and secure method of looking after and improving my savings

How has Julie Cooper helped you?

She has given sound advice on savings, stocks etc. Tax efficient ways of drawing down non taxed living expenses. Updating and suggesting changes as the financial systems, laws, economy and my and my families needs change. Inheritance advice.

Have you seen the outcome you were hoping for?

She has done a very good job. Clearly one always wants more .

What could they have done better?

I am not qualified to know. That’s why I employ her.

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

Personal circumstances

How has Julie Cooper helped you?

She has been of invaluable support especially as my personal circumstances became very difficult

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?

Having money

How has Julie Cooper helped you?

Broke everything down for someone who has no financial knowledge when it comes to what to do with large sums of money

Have you seen the outcome you were hoping for?

Not yet but investments have been made. Too easily to tell

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

for the best posable advice .

How has Julie Cooper helped you?

Julie is an extremely nice person, and come across with knowledge and great advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not really sure it could be done any better.

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

Retirement and the need to consolidate my different pensiond

How has Julie Cooper helped you?

Yes, she has been very helpful

Have you seen the outcome you were hoping for?

2023 was a better year

What could they have done better?

Nothing

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

Needed advice regarding a lump sum investment and to ensure we have enough income as we approach retirement.

How has Julie Cooper helped you?

She has listened carefully to us, has given good suggestions but without any pressure and has followed up and maintained regular contact regarding our investments and personal circumstances.

Have you seen the outcome you were hoping for?

Yes. A diverse investment plan is being put in place.

What could they have done better?

Nothing.

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

Needed quality advice and got it.

How has Julie Cooper helped you?

I was given clear concise advice which made my decision making process simple.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I’m aware of

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

After the death of my husband, I continued what he started,

How has Julie Cooper helped you?

In many ways!

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?

Divorce and retirement

How has Julie Cooper helped you?

Excellent advice and 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?

Pension related questions

How has Julie Cooper helped you?

responsive and accurate/knowledgeable

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 was coming up to retirement and was looking foradvice

How has Julie Cooper helped you?

Being available at all times

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 was unable to handle my finances but Julie sorted me out

How has Julie Cooper helped you?

strong advice in a friendly way6

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 recognised the need for financial advice as I got older

How has Julie Cooper helped you?

By understanding my circumstances and providing appropriate advice and guidance without any form of pressure to follow any paricular route. She is always available with a rapid and considered response when needed.

Have you seen the outcome you were hoping for?

yes - above expectations

What could they have done better?

nothing

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

I needed help with my pension

How has Julie Cooper helped you?

She advised me through the procedure as l was getting no where on my own.

Have you seen the outcome you were hoping for?

So far so good

What could they have done better?

I don’t think she could have done any better.

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

Initially I went to Julie prior to retirement- she has been excellent ever since.

How has Julie Cooper helped you?

Investing for me in the correct and safe / safeish areas

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am happy with the service given

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

I needed financial help when my husband became ill

How has Julie Cooper helped you?

Julie has always offered good advice and suggestions of how to invest my money and how not to!

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 have been advised by Julie for many years now, my company's pension schemes purchased through her.

How has Julie Cooper helped you?

Readily available when I have a query, gives good advice proven by long term results.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everybody can always do better but in Julie's case I'm not sure.

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

Things changing around me

How has Julie Cooper helped you?

Julie always helps me. A long term reliable friend. Gives good safe help. i have known her so long I need to talk to her to remember each item she helped me with. Unusual now a days but Julie is safe and reliable

Have you seen the outcome you were hoping for?

I see changes every week now older and travel abroad

What could they have done better?

Nothing if you have a problem contact Julie. First class help. Safe help

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

We were retiring and needed some sensible financial advice

How has Julie Cooper helped you?

She has always been on hand for any advice, explained in an u derstandablevway.

Have you seen the outcome you were hoping for?

We have been very satisfied, given the difficult times we are living in.

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

Secure own pension arrangements during acrimonious divorce proceedings

How has Julie Cooper helped you?

Identified poor returns and advised transfer to alternative scheme

Have you seen the outcome you were hoping for?

Severe reduction when hindsight indicated arrangements should not have been altered

What could they have done better?

Maybe help investigate viable options for transferring schemes to Australia

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

Looking for advise for future retirement

How has Julie Cooper helped you?

By explaining the risks and gains

Have you seen the outcome you were hoping for?

Satisfied

What could they have done better?

Nothing always there when needed

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

To invest my pension

How has Julie Cooper helped you?

Given sound professional advice

Have you seen the outcome you were hoping for?

No due to the current climate, but happy overall

What could they have done better?

Not really

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

To get advice that would get beneficial and safe returns on savings and money from family inheritance.

How has Julie Cooper helped you?

I have known Julie for many years and the advice she has given has been completely appropriate for my financial circumstances. She understands completely what level of risk I wish to take and, over all these years, my investments have continued to grow, despite the obvious downturns created by the economic situation of various periods. Julie has a very empathetic manner and is patient in answering any questions to enable me to come to my decision.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Absolutely nothing!

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

Nearing retirement age, I needed advise of the best course of action

How has Julie Cooper helped you?

Given me guidance

Have you seen the outcome you were hoping for?

Yes

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

Divorce

How has Julie Cooper helped you?

Not only has she provided sound professional advice, it feels like she genuinely cares about your personal situation

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?

Efficient and accurate planning of my pension

How has Julie Cooper helped you?

Julie has been a truly wonderful and reliable financial advisor. She is friendly and very easy to comment with. I've benefitted enormously from her solid accurate advice and her attention to detail and tremendous experience and knowledge. She us the hest financial advisor ever and I would thoroughly recommend her.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

All absolutely fine, nothing to improve on.

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

Needed advice

How has Julie Cooper helped you?

Julie always explains everything so I can understand and is very kind not always found in business means a lot

Have you seen the outcome you were hoping for?

Yes very happy with outcome J

What could they have done better?

I suppose always room for improvement can’t see one to be honest

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

As part of my husband's Pension Review, Julie looked at my own circumstances (as his partner and carer after he'd suffered a life-changing stroke). She looked at my own Pension position and recommended what I needed to do to check my State Pension etc. Plus she helped support our thoughts regarding claiming disability benefits and brought the forms to us. She also helped with my search for Life Insurance and some financial advice regarding tax limits/inheritance after my elderly mother died.

How has Julie Cooper helped you?

The advice was very useful and helped my own actions which I had to do for myself. Her work searching out life Insurance for my specific situation and health issues was productive in finding a policy. Her help via email after my mother died was incredibly useful to me and my own siblings as we dealt with our late mother's estate.

Have you seen the outcome you were hoping for?

Her input helped get the Insurance Policy sorted as it was complicated by medical details

What could they have done better?

Nothing comes to mind; Julie was very thorough. She did as much as she could do in the circumstances.

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

Private pension

How has Julie Cooper helped you?

Honest and thorough explanations and suggestions

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

Nothing in particular

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

I had a personal pension and I was at risk of going over the lifetime allowance for my NHS pension.

How has Julie Cooper helped you?

She gave the advice above

Have you seen the outcome you were hoping for?

Yes.Stop paying into the personal pension

What could they have done better?

Nothing.She was very helpful.

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

Historic employer

How has Julie Cooper helped you?

Always there. Made suggestions for change

Have you seen the outcome you were hoping for?

In some cases

What could they have done better?

Better overall outcome!

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

I was introduced to Julie who took over from her predecessor

How has Julie Cooper helped you?

with excellent advice and help during the many years we have known each other also she was better looking than her predecessor

Have you seen the outcome you were hoping for?

yes completely

What could they have done better?

I can think of nothing

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

Divorce and impending retirement

How has Julie Cooper helped you?

Excellent advice

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?

Became LPOA for one her clients

How has Julie Cooper helped you?

friendly and proffesional advise on investments and general financial matters

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Hardly anything needed

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

Recommended and used by my late husband

How has Julie Cooper helped you?

Always helpful and ready to serve

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?

Julie has been our adviser for many many years

How has Julie Cooper helped you?

advice in a way that can be understood in layman's terms

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing that I'm aware of

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

A recognitions that we needed help to plan for our future as we got older

How has Julie Cooper helped you?

For many years Julie has provided us with an excellent service appropriate to our changing needs and aspirations which has always been provided in a clear, friendly and professional manner.

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?

Obviously good sound advice on Pensions, on keeping an eye on what the markets are up to and moving with the best options.

How has Julie Cooper helped you?

Julie as help me and my wife enormously over the years, keeping us informed on all the latest information. a very lovely person and very understanding and easy to get along with.

Have you seen the outcome you were hoping for?

Oh yes. I can't really say anymore.

What could they have done better?

Well there is always room for improvement with ay company,, but I can't think of any better.

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

To review our pensions and to consolidate our pensions.

How has Julie Cooper helped you?

Julie has helped us to understand the value of our pensions. Has advised us of the risks in investing. Julie has been available to us when we ask for her help. Has helped us release money when it us available. Also advised us of our options.

Have you seen the outcome you were hoping for?

Yes. Julie has been there for us over the years. To help us understand and invest our money. Also to release money when we can. We can contact Julie knowing that she will answer us quickly. We trust Julie to continue looking after our investments.

What could they have done better?

We are very happy.

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

I was retiring and wanted to have the different pensions I had collected managed ready for my retirement

How has Julie Cooper helped you?

Julie was really helpful, explained all the different options and managed the transfer of the different non final salary pensions onto one package and arranged my monthly draw down

Have you seen the outcome you were hoping for?

I don’t know. The investments were only made a year ago and with the general drop in value of investments I expect they will have dropped in value

What could they have done better?

Nothing

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

Retirement

How has Julie Cooper helped you?

Helped sort out the very best and safe returns for my pension pot and savings

Have you seen the outcome you were hoping for?

Yes - great return over the years

What could they have done better?

I think that I was looked after, both face to face and by email/phone.

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

My employer had brought in a new pension company and we were given the option to choose our own pension company. My husband to be was already with Julie so decided to change over

How has Julie Cooper helped you?

Julie advised me what the best options there was for me

Have you seen the outcome you were hoping for?

Very much so

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

Has money in the bank earning nothing

How has Julie Cooper helped you?

Advised on how to invest

Have you seen the outcome you were hoping for?

Had been good until Truss And Kwarteng but gradually recovering

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

Had a couple of pensions, so wanted to have them brought together

How has Julie Cooper helped you?

Julie was able to advise the way I should go with my Pension

Have you seen the outcome you were hoping for?

Yes very happy

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

Pension and retirement

How has Julie Cooper helped you?

Advising on the level of risk with pension pit

Have you seen the outcome you were hoping for?

Exceeded my expectations and good return

What could they have done better?

Nothing

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

Its a complex field and you need professional advice to avoid making mistakes

How has Julie Cooper helped you?

In assisting and providing advise on all of the above

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

So far so good :-)

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

Needed to manage my savings

How has Julie Cooper helped you?

Yes

Have you seen the outcome you were hoping for?

Yes made some gain on my savings

What could they have done better?

Can’t say much as we took advice and followed he recommendations

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

Retirement lump sum investment

How has Julie Cooper helped you?

Both during the set up of appropriate investment. On going support and advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not that I know of.

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

To set up a pension and sort life insurance so our daughter has protection

How has Julie Cooper helped you?

Julie offered different options and an in depth questionnaire regarding the type of person I am ie with risks etc

Have you seen the outcome you were hoping for?

Everything has been set up really well and has gone very smoothly

What could they have done better?

Nothing

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

Ongoing professional advice and the benefit of an experienced advisor

How has Julie Cooper helped you?

Julie Cooper has been an outstanding advisor and has supported both my mother and myself with invested our pensions and further investments.

Have you seen the outcome you were hoping for?

Yes, we are both so happy and appreciative of Julie's helpful experienced advice and have significantly benefitted.

What could they have done better?

All perfect

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

Reaching retirement age

How has Julie Cooper helped you?

Very helpful advice looking at various options.

Have you seen the outcome you were hoping for?

Still making investments but the advice so far has been good.

What could they have done better?

Nothing

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

Came with Julie when she joined Black Swan.

How has Julie Cooper helped you?

Julie has always offered us sound advice with our investments and retirement income, and has been able to give help with inheritance strategy.

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?

planning and advice

How has Julie Cooper helped you?

been a client for many years

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 find an alternative option to an annuity

How has Julie Cooper helped you?

Advised which options were available

Have you seen the outcome you were hoping for?

Yes the pension option decided upon has exceeded my expectations

What could they have done better?

None

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

Was getting updated on my pension status and possibilities

How has Julie Cooper helped you?

Super knowledgeable about my situation, and able to offer clear advice on various alternatives.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Can't think of a thing

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

Needed to set up a pension

How has Julie Cooper helped you?

Explained all my options regarding 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?

To have a long term plan for retirement and savings probably tomorrow 20 years ago.

How has Julie Cooper helped you?

Widened the range of options I was considering.

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 had been left a lump sum that I wanted to invest

How has Julie Cooper helped you?

She advised me to invest in stocks and shares ISAs.

Have you seen the outcome you were hoping for?

Yes, they have made a healthy return in the last 12 months.

What could they have done better?

Not with my risk level.

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

To help us plan our future with our pensions

How has Julie Cooper helped you?

Julie has been fabulous in helping us and continuing helping us with our pensions and with other things that have arisen that we have needed advice on.

Have you seen the outcome you were hoping for?

Definitely, we now know what our future will look like going forward

What could they have done better?

Nothing. Julie has been there for us from the beginning. We trust her totally.

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

Update , Annual review.

How has Julie Cooper helped you?

Gave me all the information I needed to consider my pension plan.

Have you seen the outcome you were hoping for?

Yes, I am clear what I need to do during the next year given my current plan.

What could they have done better?

Nothing, the advise was excellent.

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

Julie has looked after my pensions for many years. A company I use to work for would go to her for all the employees in the comapny pension scheme

How has Julie Cooper helped you?

In many, many ways advising throughout with an in depth knowledge

Have you seen the outcome you were hoping for?

Yes, her advise I have taken and my pension has increased accordingly

What could they have done better?

None, so far so good. Julie is an asset to the company

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

Retirement

How has Julie Cooper helped you?

By being helpful, kknowledgeableand very proffesional

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much more to be truthfull

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

to get professional advice and money security

How has Julie Cooper helped you?

offering good advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

very happy with the service

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

Needed expert planning for my retirement

How has Julie Cooper helped you?

Julie sat down with me and my wife and explained everything about retirement income plans.She made things very clear and easy to understand without any complications.

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 needed to look after my investments more professionally.

How has Julie Cooper helped you?

She was very clear and concise in her advice. Her knowledge is excellent and she is very conscientious and timely in her follow ups.

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?

Julie has been our financial adviser for many years, starting work with and for us when she was employed by another independent financial adviser. We wanted help with investments and provision for retirement income.

How has Julie Cooper helped you?

Julie has given excellent advice taking into account my specific financial situation and suggested that funds be moved at the right time to enable profitable results, rather than experience financial loss. Julie has a very empathetic approach with her clients which enables her to get very good results with the investment advice she gives.

Have you seen the outcome you were hoping for?

The outcome of all the advice over the years has been excellent and investments have continued to grow and flourish, despite some financial global market setbacks.

What could they have done better?

Nothing.

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

Divorce

How has Julie Cooper helped you?

advice on pensions and investments

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 needed someone to guide us through the minefield of financial matters.

How has Julie Cooper helped you?

She always provides sound and sensible advice in an easy to understand manner.

Have you seen the outcome you were hoping for?

So far, yes.

What could they have done better?

Nothing

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

Redundancy

How has Julie Cooper helped you?

Assessed and advised on appropriate investments and pension merging

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am happy with all that Julie has advised me on

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

When I got a lump sum from my pension

How has Julie Cooper helped you?

Advised on how to get assessed for attitude to risk then helped select appropriate investments

Have you seen the outcome you were hoping for?

Yes, all moving in the right direction

What could they have done better?

n/a