Kerry Chaloner

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

Looking for advice on our choices for retirement and clarity on some of the terms and consequences of our choices.

How has Kerry Chaloner helped you?

Clarified our options and gave us confidence in our choices as well as highlighting other options we had not thought of.

Have you seen the outcome you were hoping for?

Yes, it was a very useful meeting, Kerry was very helpful and clear in our discussions and explained the pros and cons of our choices as well as some alternatives we hadn't thought about.

What could they have done better?

Nothing, we found the meeting very helpful and can't thank Kerry enough for her help.

Please provide a brief comment about your experience with Kerry

Kerry got in touch shortly after my enquiry and we arranged a call to talk through my objectives. Kerry was super helpful and understood my situation, giving me great reassurance and some immediate advice. I would highly recommend! Thank you

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

Kerry set up my pension a few years ago after being recommended by our accountant, and do to continue with Kerry seemed a no brainer.

How has Kerry Chaloner helped you?

Kerry has set up my pension and helped me understand them in greater detail, Kerry’s advice has been very helpful.

Have you seen the outcome you were hoping for?

Yes I am happy with my pension that was set up.

What could they have done better?

Nothing

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

Death of a sister and transferring a SIPP

How has Kerry Chaloner helped you?

Sorted out the transfer, has helped since with drawdown from my pension.

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?

Kerry has been our advise for a number of years, but on this occasion it was my retirement and the need to improve management of my pensions which made us seek her advice.

How has Kerry Chaloner helped you?

Kerry has helped us consolidate our pensions but more importantly made us think about our income needs and how to provide for them in a tax-efficient manner. She also helped us meet a Lawyer to update our wills.

Have you seen the outcome you were hoping for?

Yes, we are very happy with Kerry in particular and Armstrong Watson in general.

What could they have done better?

Very little - Kerry was (as usual) very helpful in making us take decisions about the obvious but also made us think about less obvious issues - issues we would not have considered on our own.

Please provide a brief comment about your experience with Kerry

Kerry was very sensitive to my situation. She answered all my questions clearly and was very helpful

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

When I first got my pension, I did not fully understand what I could do with it.

How has Kerry Chaloner helped you?

Kerry went through everything with us and made it so we could understand what our options were. She helped us with the route that we did decide to go down and has been with us right through the process.

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 give us the confidence that we were in a position to be ableto retire. The cash flow modelling we did, and the subsequent scenarios, gae us that confidence to move on and make that decision.

How has Kerry Chaloner helped you?

Kerry has helped us through the whole process, helping us to understand how we might structure our future income, while being as tax efficeint as possible. Apart from the mechanics of the financial interactions, Kerry has also been very supportive to us as a couple on what is a very big decision. This is something we valued very much.

Have you seen the outcome you were hoping for?

Yes and more.

What could they have done better?

Can't think of anything

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

Age catches everyone up and as retirement got closer I got concerned that financially I needed help.

How has Kerry Chaloner helped you?

Kerry as given me proper financial advice for my future .

Have you seen the outcome you were hoping for?

Yes I feel 100% more confident that the future retirement looks more rosier than before I met Kerry.

What could they have done better?

To be honest not much more could be done , it's been clear what the position is for my future for myself and the wife.

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

I sold my farm and had funds to invest. Needed advice on pension planning and life assurance.

How has Kerry Chaloner helped you?

Kerry has a great deal of experience in financial planning. Her understanding of my financial planning needs have been a massive help to me.

Have you seen the outcome you were hoping for?

Yes, I have received very professional advice

What could they have done better?

I have done business with other advisors in the past that didn’t always explain in a way that was easy to understand. Kerry has a personality that puts you at ease. I am extremely happy with her support and advice.

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

The sale of the business, investment of the funds, inheritance and pension planning

How has Kerry Chaloner helped you?

Kerry’s understanding and experience of financial planning and investing has supported us successfully in decisions we have made. Kerry always explains financial issues in a very clear and easy to understand manner, she takes time to know you and your needs.

Have you seen the outcome you were hoping for?

Yes we are pleased with the ongoing outcomes

What could they have done better?

Kerry is extremely approachable and professional and in my opinion she cannot have done anything better

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

Advise with cash flow

How has Kerry Chaloner helped you?

Advise with cash flow

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 Kerry

Kerry is clearly highly competent in her role and has an excellent ability to build relationships: her advice was clear and well- structured:together these qualities inspire confidence in her advice.

Please provide a brief comment about your experience with Kerry

This was our first.meeting with Kerry and we were very satisfied, Kerry listened to what we said and our requirements after which she gave honest and professional advise. We are now able to take things further, it is early days but a positive outcome.

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

Transfer of Pension funds into a flexible drawdown scheme.

How has Kerry Chaloner helped you?

By providing professional impartial advice with regard to which type of scheme best suited my needs in an easily understandable manner.

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 Kerry

Excellent. She was knowledgeable and thorough, answering all our questions.

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

Change of career

How has Kerry Chaloner helped you?

Explained a few pension queries and financial advice longer term

Have you seen the outcome you were hoping for?

Too early to say, but advices very useful

What could they have done better?

Nothing. Kerry was very personable and pleasant. Thanks!

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

I want happy with our current adviser

How has Kerry Chaloner helped you?

Clear advise,straight to the point,highlighted areas for improvement

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?

Met Kerry at a "open event " by AW . The talk she did covered a few areas which were of interest to me re the company I work for and personnaly . There were a few subjects I knew i needed some guidence so meeting Kerry at the event help move things along

How has Kerry Chaloner helped you?

Advice on Pensions ( persoanl ) , key people insurance and money management for the company

Have you seen the outcome you were hoping for?

At the momemnt it was advice so not put it into action but the advice made sence and filled a gapin my knowledge

What could they have done better?

In no way that is obvious at the momemnt

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

I just needed a little reassurance that what I was contemplating doing with my savings was a good thing. Kerry was so straightforward and knowledgeable that I felt very confident with her advice.

How has Kerry Chaloner helped you?

Kerry reassured me that my proposed action was correct but advised me to wait 7-10 days to see the results of planned high level meetings. Basically, she gave me the confidence to go ahead with my plans.

Have you seen the outcome you were hoping for?

Her advice included waiting a week to see how certain meetings panned out, so no results as yet.

What could they have done better?

Nothing.

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

Approaching 60, with pensions we did not fully understand. Money in the bank receiving little interest but being risk averse. We needed someone we could trust. Kerry had set up my son's pension and been really helpful to him.

How has Kerry Chaloner helped you?

Her breadth of knowledge means that she was excellent at providing an objective financial review over a wide variety of topics.

Have you seen the outcome you were hoping for?

Yes. Now understand our pensions far more. Kerry gave us some excellent ideas to make our money work for us, in a safe way.

What could they have done better?

She couldn't.

Please provide a brief comment about your experience with Kerry

I needed some personal financial advice. Kerry gave a very good steer.

Please provide a brief comment about your experience with Kerry

I needed some fairly technical advice regarding my father's finances and the sale of his house and some associated tax / investment issues. Kerry was extremely helpful. She gave me some answers and then followed up after doing more research. We will be using her again for sure.

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

Investment and pension advice

How has Kerry Chaloner helped you?

She is a financial advisor I am not

Have you seen the outcome you were hoping for?

Ok up to now

What could they have done better?

Other than winning lottery numbers nothing

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

To validate an issue I felt may exist

How has Kerry Chaloner helped you?

Kerry gave very straightforward advice and interpretation of the issue. She also suggested a potential option/solution I had not considered.

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?

Now both retired, we needed to undertake a detailed review of our financial situation. This was in order to ensure provision for our current needs, and to to plan for our future needs. This included deciding what to do with a private pension plan.

How has Kerry Chaloner helped you?

Kerry has lifted a huge weight of worry from our shoulders. Kerry’s professionalism, diligence and empathy changed a daunting undertaking into a very positive experience. Kerry patiently listened to our concerns, and tactfully posed the necessary, sensitive questions, offering encouragement and reassurance all the way. Kerry gave us a clear understanding of our current situation, excellent advice on steps we could take to improve our current finances, and also a plan for the next few years, with the reassurance that, should things change, we can go back with confidence, to Kerry, for further advice.

Have you seen the outcome you were hoping for?

We had a better outcome than we expected.

What could they have done better?

In our opinion, nothing could have been done better.

Please provide a brief comment about your experience with Kerry

Kerry was exceptionally helpful with my pension and Child Benefit related queries. Kerry was professional and friendly in her approach and really took the time to understand my issues and to answer all of my questions. I really felt at ease talking to Kerry about these issues and whole heartedly recommend discussing related issues with Kerry. In our conversations, Kerry demonstrated a detailed knowledge of relevant legislation and offered tailored and sensible advice. Thank you Kerry for the advice and for your professionalism.

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

Wanting to start a pension for our 19year old son. I’m approaching retirement and needed to talk through my teachers pension. Had a lump sum from a house sale that we wanted advice on.

How has Kerry Chaloner helped you?

Set up a pension for my son. Reassured me that I could afford to retire early. Gave us a few investment options for our lump sum that we’re considering.

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 understanding of the financial world is somewhat limited. Having recognised that fact I decided to approach Armstrong Watson as I had dealt with the Company previously

How has Kerry Chaloner helped you?

From the beginning of the process Kerry has acted with complete professionalism and friendliness. Explanations of all relevant areas were explained to us in concise and simple terms but absolutely not in a patronising manner. This made the experience so much easier to comprehend and as a result we felt valued.

Have you seen the outcome you were hoping for?

We had two outcomes that were expressed to Kerry in advance and both of those desired aims were successfully achieved. Job done.

What could they have done better?

In my opinion all aspects were beyond my expectations. Nothing further to add.

Please provide a brief comment about your experience with Kerry

From my initial contact to achieving our objectives, Kerry Chaloner has proven to be outstanding in her field. Having never dealt with a financial advisor before she immediately gave me a feeling of reassurance and confidence. She possesses a warm friendly personality and explained all our requests in a calming manner with no hint of hard sell. We have achieved all my pension requirements with no stress or worry and am very grateful to her and would have no hesitation of recommending her to anyone.

Please provide a brief comment about your experience with Kerry

Kerry understood our requirements from our initial discussions. She clearly explained some practical options for us to consider and suggested that we took some time to discuss these following our meeting with her. She was friendly, informative and good to deal with, without at any point making us feel under any pressure, which is important to us.

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

The need to plan the use of lump sum payment on my retirement and then to review this regularly

How has Kerry Chaloner helped you?

She helped me consider financial planning in the context of my overall circumstances and my personal lifestyle and preferences. She helped achieve some personal aims for my family. All done with friendly support and what I found to besound advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I am aware of

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

had to set up a trust fund for my Grandaughter

How has Kerry Chaloner helped you?

to set up the trust fund

Have you seen the outcome you were hoping for?

during these turbulent times, things have been up and down.

What could they have done better?

it is what it is.

Please provide a brief comment about your experience with Kerry

Always helpful and very patient, guided me through my online pension queries.

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

Recent widowhood

How has Kerry Chaloner helped you?

Empathic caring and trustworthy help and advice.

Have you seen the outcome you were hoping for?

Not yet as there has been no time yet for anything to happen

What could they have done better?

I don’t believe Kerry could do any better she gathers information from you in an unobtrusive way so that she can better understand what your needs are and how they can be achieved

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

I had moderate amounts of investments and savings particularly following an inheritance and then retirement from full-time work.

How has Kerry Chaloner helped you?

Kerry has reviewed my investments and savings on an annual basis. I have several investments and savings originally initiated by Armstrong Watson financial advisers, as well as some that I have set up myself. Kerry has advised on all these, although mainly those monitored by Armstrong Watson. Annually, I received a well constructed and easily read review of my investments with growth of these products highlighted.

Have you seen the outcome you were hoping for?

The products that have been recommended by Armstrong Watson have performed very well. Obviously with markets downturns there have been temporary losses, but these have always rebounded.

What could they have done better?

There is nothing I can really identify for improvement. I am very happy with the professional and personal service that I have been given.

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

Advice for pensions and pump sums of moneies.

How has Kerry Chaloner helped you?

Collated pension portfolios and advised on best way possible to suit our needs.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nil

Please provide a brief comment about your experience with Kerry

Since reaching out to Kerry all engagements have been great, especially through the difficulties of covid. She is able to explain things in a simple way that I can understand and offer advice on areas I’ve enquired about. I’m looking forward to continuing to work with Kerry in the future.

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

Terminal illness payout

How has Kerry Chaloner helped you?

Guided us through safe investments. Continues to be my sounding board before any investment. I’ve grown in confidence when handling investments and she knows my comfort zones.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Very happy with support and guidance received.

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

To seek professional advice regarding employment pension schemes.

How has Kerry Chaloner helped you?

Provided excellent advice as to how best consolidate my four employment pensions, in order to provide a lump sum cash payment immediately, and a regular monthly income prior to normal retirement date.

Have you seen the outcome you were hoping for?

Yes, most definitely. Delighted with the outcome.

What could they have done better?

Nothing. Very happy with the service received.

Please provide a brief comment about your experience with Kerry

Kerry was professional and affable. At the start of the call, I didn’t have a clue; at the end of the call, I knew what I would do and that Kerry could help.

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

Wanted to make better use of money held in savings accounts which was earning very little interest.

How has Kerry Chaloner helped you?

Advised on how to benefit from tax benefits of pension investment and still have access to the money.

Have you seen the outcome you were hoping for?

Yes. Lump sum invested to gain tax relief and facility to continue to invest available.

What could they have done better?

Kerry did an amazing job at a time when the whole country was struggling with new ways of working during the covid-19 pandemic.

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

Seeking financial with respect to prospective retirement.

How has Kerry Chaloner helped you?

Gave a comprehensive review of the financial options that were available to us.

Have you seen the outcome you were hoping for?

Yes Kerry has guided us towards a financial arrangement that fully satisfies our requirements.

What could they have done better?

Nothing.

Please provide a brief comment about your experience with Kerry

Kerry is always hugely knowledgeable across all Financial Planning matters, and helps demystify the jargon for me. I always find our meetings helpful and reassuring . I would always highly recommend Kerry.

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

Sold our business, wanted an income from the equity

How has Kerry Chaloner helped you?

Kerry has advised on viable and professional approach to investments

Have you seen the outcome you were hoping for?

The growth expected is now nearing the capital we were expecting, due to global implications.

What could they have done better?

I do not think there could have been any improvement on her performance, therefore excellent achievements

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

we have a yearly review of savings and pensions and as we are thinking retirement, we needed some extra advise.

How has Kerry Chaloner helped you?

Kerry is knowledgeable, approachable and friendly. She gave all the options needed to help us decide what was available and how we could plan

Have you seen the outcome you were hoping for?

not quite, as there is a lot to digest and discuss, but it started the ball rolling!

What could they have done better?

We felt Kerry covered everything and more

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

Kerry has provided an excellent service previously for me so is my go to person.

How has Kerry Chaloner helped you?

Kerry recommended speaking to L&C to discuss my mortgage needs.

Have you seen the outcome you were hoping for?

Absolutely yes. The whole process could not have gone better. Excellent, efficient and quick service. Would highly recommend.

What could they have done better?

Nothing!

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

Retirement

How has Kerry Chaloner helped you?

She keeps my investment on track

Have you seen the outcome you were hoping for?

As much as is possible in todays interest climate

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

Complicated financial matters

How has Kerry Chaloner helped you?

Advice on investment of funds bearing in mind income tax factors, continuing updates of investments made through her. Keeping my wife and I updated with latest trends in financial regulations and inheritance planning

Have you seen the outcome you were hoping for?

Investments in good order and easy to follow, returns could be better but is dependant on market conditions.

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

Complete bafflement with my pension arrangements and reluctance to sort out myself

How has Kerry Chaloner helped you?

By explaining what I had and where and then outlining my pension options

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing I can think of

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

I had various pensions from companies I had worked for over the last thirty years and needed them consolidating. Plus general advice on pensions and retirement.

How has Kerry Chaloner helped you?

She understood exactly what I needed and got on with the job very efficiently.

Have you seen the outcome you were hoping for?

Yes and more. She was extremely helpful and helped me to understand where I was going for my future retirement.

What could they have done better?

Nothing for my enquiry. She did all that was needed.

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

We needed financial help with old pension plans and current pension plans.

How has Kerry Chaloner helped you?

Kerry gave us the options available for our future retirements and then organised the pension plans to give us the best future returns.

Have you seen the outcome you were hoping for?

Yes we are both retired now and thanks to Kerrys hard work we are enjoying our lives knowing our investments are working for us.

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

Retirement receipt of a lump sum and ongoing funding.

How has Kerry Chaloner helped you?

Kerry has set up of investment funds which carry different risk profiles to give a balanced portfolio.

Have you seen the outcome you were hoping for?

Over a number of years the value of the portfolio has consistently increased.