Liam Bray

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

We have been with Liam & previous advisers since 1985

How has Liam Bray helped you?

Not being in the finacial sector Liam explains evrything in English

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not alot

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

We have been with Liam & the previous advisers for many years & see no reason to go elesewhere

How has Liam Bray helped you?

Not being in the financial world Liam explains everything in plain English

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not alot

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

Liam has given advice to me on my personal circumstances and on my 25 employees in my business

How has Liam Bray helped you?

Liam has advised me were to put my money for the best return, I think he’s done an excellent job up till now

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 had to leave my last financial adviser urgently due to unprofessional conduct. A close friend recommended me to his financial adviser who is a colleague of Liam's. This colleague was not taking on new clients so recommended Liam.

How has Liam Bray helped you?

Since I met Liam, I have been going through a divorce. He has helped me by commenting on my investment portfolio and helping me to draw income from my pension fund. As soon as my divorce is completed, Liam will be helping me to invest my financial settlement which I am looking forward to.

Have you seen the outcome you were hoping for?

Yes. Very much

What could they have done better?

Nothing comes to mind

Please provide a brief comment about your experience with Liam

Liam is incredibly professional, clear and considerate with his approach. He took great care with his explanation of his services and guidance whilst taking the time to elaborate on areas that I didn’t fully understand. I instantly felt comfortable talking about my finances and I look forward to working with Liam in the future.

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

I have been with HFL now One Fore Nine for a number of years and they have been very helpful with planning my retirement.

How has Liam Bray helped you?

Liam has continued to listen to my needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am happy with the level of service Liam provides.

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

Retirement from teaching

How has Liam Bray helped you?

Advice on our savings and investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Perhaps better earlier communication.

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

Retirement

How has Liam Bray helped you?

Always on hand for questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much

Please provide a brief comment about your experience with Liam

Liam is friendly, knowledgeable and helpful

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

To start drawing private pension

How has Liam Bray helped you?

Advised necessary actions to enable me to do so, making the process stress free

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 a client of HFL previously Benson McGarvey for 30+ years. HFL was acquired by ONE FOUR NINE. I have had nothing but reliable and pro-active service throughout this time.

How has Liam Bray helped you?

Liam has been my adviser for the past 2 years and has supplied a seamless service to date. I hope we can continue with the personal support and advice as we move forward.

Have you seen the outcome you were hoping for?

The current performance is showing results from previous investment strategy, a recent review of this strategy will hopefully take results further and to a new level.

What could they have done better?

I have been satisfied with the input and advice given over the years, the process has been timely and thorough with emphasis on my personal view on risk.

Please provide a brief comment about your experience with Liam

Liam answered all my questions honestly I accepted his advice completely and acted accordingly. He ,and his colleagues , were prompt and attentive

Please provide a brief comment about your experience with Liam

Found Liam, to be friendly, professional and very informative.

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

Amalgamate pensions

How has Liam Bray helped you?

Liam amalgamated several pensions and he also set up SIP for me.

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 Liam

First meeting, dealt with his company for more than twenty five years.

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

Our previous advisor retired and we were recommended to see Liam

How has Liam Bray helped you?

We are in the process of moving our pension to a more cost effective plan. We have discussed future financial planning.

Have you seen the outcome you were hoping for?

Yes we are very happy with the advice we have received and the follow up contact.

What could they have done better?

Nothing! We are happy with the service we have had from Liam.

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

Desire for improved returns on my pension savings

How has Liam Bray helped you?

Impartial advice at the same high level as HFL’s previous advisor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - I was wholly satisfied with the recommendations

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

Historical client of HFL and switched to Liam. Have been pleased with our interactions ever since.

How has Liam Bray helped you?

Always provides clear and understandable advice.

Have you seen the outcome you were hoping for?

Yes pleased with the outcome since Liam took over our investment portfolio.

What could they have done better?

No

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

Retirement planning and esta management

How has Liam Bray helped you?

Helpful suggestions and the execution by his team

Have you seen the outcome you were hoping for?

So far so good

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

Three years ago, I founded my own enterprise and was in need of assistance to establish a pension plan with a reliable, long-term financial partner. As my business expands and my financial circumstances evolve, I intend to progressively refine this plan. Collaborating with Liam has been immensely beneficial, as he consistently contributes both expertise and a positive dynamism to every interaction.

How has Liam Bray helped you?

Liam has consistently been available, demonstrating initiative by reaching out proactively and accommodating meetings in person or via video call to support my needs flexibly. I particularly appreciate his proactive advice across all financial matters, not limited to pensions, as I am keen to explore new opportunities within his scope of expertise. Collaborating with a young, driven professional is invigorating, and as a business owner of a comparable age, I find his approach both comforting and relatable.

Have you seen the outcome you were hoping for?

As a client for just 12 months, it is premature to provide detailed feedback at this stage. Our forthcoming annual review will offer a more comprehensive understanding, at which point I anticipate gaining deeper insights.

What could they have done better?

Given that we are in the preliminary phase of our engagement with HFL, it is challenging to provide a definitive response at this juncture; currently, there are no specific issues or concerns that come to mind.