Emily Turgoose

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

I had consolidated several pension plans and was self-managing for 2 years. I realised I needed professional and dedicated support and searched for a service that offered more than than simple financial advice. I was also keen to find local support so we could meet rather than rely on remote service.

How has Emily Turgoose helped you?

Emily and her team have provided us with a structured and detailed plan that has provided us with some comfort and confidence in the future. As well as straightforward financial advice they ask 'good questions' and challenge us on ambitions and attitude to risk. Their business title 'Life Matters' neatly captures the service offering - its not all about the ROI (although that is important!).

Have you seen the outcome you were hoping for?

Yes and if anything, expectations have been exceeded.

What could they have done better?

We have discussed fuller data access to enable more personal scenario planning online however It's not a great priority as the team remain responsive to any scenarios we wish to run.

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

We realised that it was time to think about IHT. Our savings were distributed over too many accounts for us to manage.

How has Emily Turgoose helped you?

Emily and her staff have helped us understand better the details of IHT and discussed various options. Our savings have been optimised

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

A bit more communication would help, e.g. contact at times when not much is occurring.

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

I had been with my previous advisor for many years and was disappointed with the services after a change of management

How has Emily Turgoose helped you?

Emily has done an entire portfolio review and made my financial situation very clear for me. I now feel empowered to make more courageous decisions about my working life going forwards which I expect to bring me increased freedom.

Have you seen the outcome you were hoping for?

I have a complete view of my financial situation and am already seeing impressive return on my investments

What could they have done better?

Nothing - the service has been exceptional

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

We had a sudden change in life circumstances and needed a wholistic view of our finances for the future

How has Emily Turgoose helped you?

With investments, long/short term financial planning and lifestyle choices. Emily and her team have given us financial security and peace of mind, so we can get on with and enjoy life.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing comes to mind as any feedback given over the years has been gratefully received and acted upon.

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

We had multiple pensions in different companies. We needed advice on consolidation and the value of the subsequent pool and its ability to sustain our lifestyle post retirement.

How has Emily Turgoose helped you?

Emily ran a very detailed review of all our assets and pensions to create a financial picture that showed lifestyle sustainability from retirement to end of life.

Have you seen the outcome you were hoping for?

Investments go up and down. Many of the investments have performed well, like Fidelity. However Vanguard seems to stand out as a poor performer.

What could they have done better?

Reviewed investment poor performers and swapped them for better performing investments.

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

How has Emily Turgoose helped you since your last review?

When I was working I had little idea of what retirement would really look like, especially financially. But with slight fear and trepidation I took the leap! With the help, care and expert advice from Emily and her team at Life Matters it’s wonderful! I know that with their invaluable expertise at managing my finances, planning for all sorts of different situations that life might throw at me, I can rest easy, relax and enjoy a happy retirement with the full knowledge that they have my back. Their work at Life Matters has actually enabled me to have a more financially comfortable retirement than I could ever imagined. I couldn’t recommend Emily and her team more.

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

Planning for retirement

How has Emily Turgoose helped you?

Good clear sound advice

Have you seen the outcome you were hoping for?

Yes

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 Emily Turgoose helped you since your last review?

Emily has a unique set of skills combining her knowledge of the financial markets with coaching to help you identify what's important to you not only now but in the future. She then ensures that your financial plan will help you achieve your goals. A yearly meeting helps you keep on track and means you can update your plan as and when you need to. She has a real knack of helping you see things more clearly and focusing on what is important to you.

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

We have been clients for many years after a change in life circumstances

How has Emily Turgoose helped you?

With investments, long and short term financial planning and various lifestyle choices

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing comes to mind but any feed back given over the years has been greatfully received and acted upon.

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

To obtain advice on investments, private pension and retirement planning

How has Emily Turgoose helped you?

Emily has helped enormously in advising on how and where to invest generally and in private pensions. She has an holistic approach looking at what your long term goals are and helping you to achieve them. This is her central philosophy. She gives advice and suggestions but there is no hard sell. She is there on the end of the phone as a trusted adviser and friend and we have regular planning meetings to assess where we are and where we are going to give assurance that we are heading in the right direction.

Have you seen the outcome you were hoping for?

Yes. Planning for retirement and the type of retirement we were looking for was central to what we were seeking to achieve.

What could they have done better?

Nothing

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

How has Emily Turgoose helped you since your last review?

Following my recent annual review and receipt of my updated plan I have a better understanding and confidence of my financial situation and future. During the meeting I was made to feel comfortable, and welcomed despite being late due to horrendous traffic. Furthermore, my dog Ralphie was welcomed too, since it was too hot to leave him in car - it’s a small thing, but it’s this level of client care and understanding which sets Emily and her Team apart. Following the review meeting I had some further questions and simply called whereupon Alison organised a quick follow up meeting to explore, discuss and answer the questions I had. I genuinely feel that nothing is too much trouble and all the Team genuinely care about me, my family and financial future .

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

We had received what we felt was poor advice many years ago from a previous financial adviser and a friend recommended Emily's company. Since then we have remained clients of Emily and her team.

How has Emily Turgoose helped you?

Emily has given us better focus on what we want to achieve with our available resources. She has challenged us, in a friendly way, to examine our thoughts about finance and the future so that we can achieve a better outcome as our circumstances change. She has also encouraged us to simplify our range of accounts and investments meaning that we have less paperwork to deal with now and our money is working harder for us. She is always happy to explain some of the more obtuse financial terminology and processes and make them more intelligible to us.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

On occasion, it would be good to have a period of reflection after our review meeting to ensure that we fully understand the nature of the changed that are being proposed, as financial products can be so complex.

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

We were managing our own finances and thought we had it sussed. This was not the case as we realised after our initial meeting with Emily. We were missing out on many financial opportunities and also had old products at high charges.

How has Emily Turgoose helped you?

My Wife and I have been so very pleased with the professionalism of all the staff and more importantly, the support, advice and discussions which have helped us so much in managing our finances, as well as other related issues. We have absolute confidence in Emily and her Team and feel so much better for it - managing our own finances was straight forward, so we thought....but with Emily we have secured improved financial strength and gained so much from the relationship and rest so much easier now and for the future. Very highly recommended and such lovely people to work with

Have you seen the outcome you were hoping for?

The outcomes from working with Emily have been enormous in getting rebates, changing investments and closing some - all generating more opportunities.

What could they have done better?

Met us earlier and worked together sooner:-)

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

Looking for a more personalised service, to consolidate our various pensions and investments.

How has Emily Turgoose helped you?

Emily has taken the time to understand our financial goals and over the years has developed a personal understanding of our priorties. By taking the time to really get to know us, she is able to challenge us appropriately to ensure we are getting a great balance between spending and investing to met our life goals. Emily's sound advice has meant we have financial security despite a difficult 12 months, and she has been a great sounding board during this period.

Have you seen the outcome you were hoping for?

Yes, we have gained financial security earlier than we expected allowing us to realise our life goals and aspirations.

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

How has Emily Turgoose helped you since your last review?

She has given me the confidence to use my finances to support my family and move house.

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

Emily has been working with me for over 15 years during which time I have found her and her team proactive and helpful financial advisors. She has always keep me up to date on investment trends and changes in legislation that may or may not affect investment choices. Emily has always ensured that the advice I am given, and the actions proposed, delivers the best return in both the medium and long term. The maxim has always been to enjoy life today while ensuring a comfortable and affordable future. Emily has never been afraid to tell me as it is and I look forward to our continuing relationship for many years to come.

How has Emily Turgoose helped you?

See Above

Have you seen the outcome you were hoping for?

See Above

What could they have done better?

NA

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

After several years of working with a financial advisor where I felt the only real interest in was how to maximise the fees. I actively looked for someone who was more focussed on my specific situation and keen to demonstrate the value they could deliver rather than ensuring they got paid for doing doing generic work and charging bespoke fees.

How has Emily Turgoose helped you?

The approach of Emily and the Life Matter’s team is a breath of fresh air compared to my prior experience. While it is still early days in our relationship I do find the approach that Emily takes to be a refreshing change. While my focus will always be principally driven around maximising the investment returns for the level of acceptable risk, Emily brings an additional dimension to the discussion which is a more focussed discussion on my wider “life objectives”, sometimes making me address questions I would perhaps prefer not to think about. This has been very helpful in challenging me to plan more effectively on how to ensure I enjoy and get the most out of my retirement, and giving confidence to address issues that are often very challenging.

Have you seen the outcome you were hoping for?

Investing is in general for the longer term and that is the only way to look at this. There has been a downturn in the markets, inflation and interest rates are up and perhaps the lack of market confidence is putting downward pressure on the returns at this time. All funds are facing pretty much the same issues. Emily has diversified my portfolio of investments which I hope will show better returns over time.

What could they have done better?

Early stages in our relationship so I have nothing to comment upon.

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

My father engaged with Emily many years ago. Upon his death in 2017 all financial discussions have moved to his three daughters and Emily.

How has Emily Turgoose helped you?

She has advised us annually on the best investment funds as well as planning for our mother's healthcare, home care and potential aged care move. She's really is like one of the family. Always genuinely invested in what's good for us all.

Have you seen the outcome you were hoping for?

100%

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 long term financial planning including retirement planning

How has Emily Turgoose helped you?

Emily has helped me for over 18 years and has ensured I am now able to live a comfortable life in my retirement.

Have you seen the outcome you were hoping for?

Emily has exceeded in this! I have - and always will - trust her completely. She is an epitome of Stephen M. R. Covey's book: "The Speed Of Trust".

What could they have done better?

Nothing!

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

I hadn't got my finances in order - especially a pension - and needed someone to help me.

How has Emily Turgoose helped you?

Honest and excellent advice. One of Emily's usp's is that she sets financial planning in context - she links it to wider issues of what you want from life more generally and how you can achieve it. She's not simply a technical adviser but an informed friend. Founding LIfe Matters has allowed her to apply this philosophy of financial advice and explains the forms title.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Of course there are blips in financial planning...there's risk involved. That's the nature of the beast and one or two things might have gone better with 100% foresight...but that's not what life is like!

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

The wish to retire early

How has Emily Turgoose helped you?

We’ve built a sustainable plan and reviewed progress against it, adapting as necessary to remain on-track to achieve goals

Have you seen the outcome you were hoping for?

Yes

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

We had pensions and savings that we felt weren't working as hard as they could for us, and needed advice relating to whether these various pots of money were sufficient to retire on and how best to manage and invest them.

How has Emily Turgoose helped you?

Emily spent a long time getting to know us and our financial goals and she has been fundamental in maximising our retirement income. We trust her judgement and advice, she is always impartial and has our best interests at the core of what she suggests. Financial advisers we have used in the past have been mainly driven by their commission rather than our requirements. Emily is absolutely the polar opposite of this approach.

Have you seen the outcome you were hoping for?

Yes, absolutely. We retired earlier than we had ever imagined and have a balanced risk portfolio which allows us to relax and leave the management tasks to Emily.

What could they have done better?

We're struggling to think of anything.

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

We needed financial advice following the sale of company shares

How has Emily Turgoose helped you?

Emily has helped us to look at the ‘process’ of investing differently. More consideration towards the why we want to invest, what were we wanting/hoping to achieve by investing. In addition to the various ways we could achieve this in a clear and helpful way.

Have you seen the outcome you were hoping for?

Yes, Emily also encourages us to review and consider our plans regularly which is invaluable.

What could they have done better?

Nothing,

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

How has Emily Turgoose helped you since your last review?

Emily has continued to provide invaluable help in managing our retirement income and drawdowns. Her advice is trusted and appreciated.

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

I was looking for someone to guide through the transition from work to retirement.

How has Emily Turgoose helped you?

Emily has helped me by consolidating my financial situation, sorting out my pension pot and making me see that I really could retire and have a life! Something I had been afraid to do. Life Matters offers an extremely professional service, with a team that really care. Sent from my iPad

Have you seen the outcome you were hoping for?

Definitely and more

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

I needed to consolidate my investments, manage finances independently post a divorce and ensure that my funds enabled a future, both mine and my daughters' that would be fulfilling and worth the hard work.

How has Emily Turgoose helped you?

Sought to understand me and my family - our needs, challenges and life choices. Emily has always put them at the forefront of any advice she has given. She is professional and empathetic and insightful - a rare combination I feel.

Have you seen the outcome you were hoping for?

Most definitely :)

What could they have done better?

In all honesty, I feel that Emily and Life Matters have been my trusted partner for so many years now, that I struggle to find an area for improvement, as a client.

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

We had agonised over how we should be making more of our investments for a long time but had been reluctant to be proactive before engaging Life Matters.

How has Emily Turgoose helped you?

Emily Turgoose listened patiently before fully analysing all our investments, even discovering a pension we’d completely forgotten about. She has helped to untangle a lot of confusion and fear about our financial future. Rather than just to consolidate our investments as any IFA would do, Emily’s true value to us is as a Planner. This has helped us to set our financial decision-making within the context of our overall life plans and aspirations. One of the many positive results has been peace of mind and looking forward to the future. Emily’s team are also always helpful and a pleasure to deal with. Would wholeheartedly recommend.

Have you seen the outcome you were hoping for?

Yes

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

We had a range of company pensions that we believed needed to be consolidated. However, achieving this without financial advice was not advised either by the UK Gov or friends. Hence our search began.

How has Emily Turgoose helped you?

Emily has analysed our entire financial situation, not only our pensions to create a big picture view of our financial health moving into retirement. Information derived from this examination has been shared in simple language allowing financial actions to be taken and a plan to be formalised.

Have you seen the outcome you were hoping for?

Our investment were consolidated late summer 2021 and therefore its very early days to try and understand/predict financial performance. However, our overriding view is that we are in safe hands.

What could they have done better?

Not much, the advice was clear and they understood that trust is built over time. It is sometimes difficult for people with 40+ years of financial chaos to trust the hand that pulls them into the light!

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

How has Emily Turgoose helped you since your last review?

Since the last review I have actively chosen to change my work/life balance. I have been able to do so with confidence as Emily and Life Matters have ensured I understand my financial position and that is can support my future plans.

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

Looking to retire early and wanting to organise my finances to enable me to do so

How has Emily Turgoose helped you?

Emily totally reorganised my investments to give me far better returns for less fees and encouraged me to liquidate non performing assets and bring them into my portfolio. She is extremely personable and experienced and enabled me to put my faith in her abilities unreservedly as my Advisor.

Have you seen the outcome you were hoping for?

It is early days yet as the changes were made only 6 months ago but I am enjoying how organised myself finances are and how easy the online portal is to give me visibility of all my assets.

What could they have done better?

I have no criticism whatsoever.

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

How has Emily Turgoose helped you since your last review?

Emily has provided consistently excellent financial advice since we first met in 2009. This has allowed us to realise our goal of retirement in 2020. In the last year, our focus has changed from maximising our investments and pensions to drawing down from these in a tax efficient manner. Even with the challenges of Covid-19, we are secure in the knowledge that we can draw down from our investments and pension schemes in a flexible manner to ensure a comfortable and happy retirement.

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

How has Emily Turgoose helped you since your last review?

Emily and her team continue their expert and professional advice.

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

How has Emily Turgoose helped you since your last review?

Emily helped us to identity our priorities which enables us to formulate a plan that makes it possible to be able to do the things we want to do with a realistic budget. This gives us peace of mind. With the challenges of a recent pandemic, Emily has kept us informed and given us peace of mind when making important financial decisions that have allowed us to alter our plan relavent to the changing circumstances.

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

We have been a client of Emily's for over a decade. We originally wanted to consolidate all our savings, investments and pensions so that we understood our full financial picture. We also wanted to plan for our children's education, whilst ensuring we could have the retirement we both wanted.

How has Emily Turgoose helped you?

Emily took a lot of trouble to ensure she fully understood our life goals, and then completely reviewed our investments and insurance to ensure we have the best chance of meeting them. We meet regularly to assess whether our goals have changed, and she proactively recommends options to help us achieve them. Emily is more than just a financial advisor - she challenges us on what we want out of life, and encourages us to fulfil our aspirations. Through Emily's advice we have confidence in our retirement plans and have adequate provision set aside for our children's education. As our sons have got older, Emily has also provided them with advice on an inheritance and gifts, and has taken the trouble to explain to them their options in terms they understand.

Have you seen the outcome you were hoping for?

Yes, and more. Our relationship with Life Matters is a long term partnership.

What could they have done better?

Anything which we need is actioned promptly, so there is nothing specific which could be done better.

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

How has Emily Turgoose helped you since your last review?

Emily has continued to provide regular in-depth reviews of my investments in order to ensure my portfolio is working at its optimum. The goal setting and scenario planning is providing invaluable support in making substantial changes to my life with the knowledge that I will be financially secure. Her unique style is so incredibly helpful. Emily and her team are all professional, knowledgable and responsive.

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

How has Emily Turgoose helped you since your last review?

Since my last review, Emily has helped me to consolidate my plans and have a "buffer" for those unexpected situations that occur. Lately, she has helped me to explore how to support my daughter to purchase her first property, without compromising my future provision and plans. A gentle combination of support and challenge.

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

Originally we were looking to consolidate some of our existing investments (PEPs and ISAs) and invest in new ones. We have worked with several over the years and Emily took over our portfolio when our previous adviser retired.

How has Emily Turgoose helped you?

Emily worked with us to simplify the very wide range of investments that we had acquired over the years and to ensure that what we moved forward with was something that offered more security for our long term needs, is regularly updated and has a lot of flexibilty built in. In addition Emily always encourages us to look at the bigger picture in terms of what our aspirations are and what we want to get done.

Have you seen the outcome you were hoping for?

Yes, our investments are now much simpler and the great majority of them are managed on a single platform which considerably simplifies reporting and updating. Regular reviews ensure our investments are monitored to deal with changing situations in the wider world.

What could they have done better?

Nothing of note.

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

I was referred to Emily by my previous IFA who was retiring

How has Emily Turgoose helped you?

Emily has helped us focus on the big picture as well as day to day issues. She speaks with great clarity and gives you confidence. She explains her advice in a way you understand. She gets to know you and what is important to you and what you want to achieve and whether that is achievable. She shows you the path. She is always available on the end of the phone especially at times when you may need more input due to circumstances and events at that moment. She is not there to sell you a product and then disappear. It is a lifelong relationship to work and plan together and I value her as a trusted adviser

Have you seen the outcome you were hoping for?

Yes most certainly

What could they have done better?

I do not think she could have done any better. Her business has become more innovative with a client portal for all important documents and she has very practical and visible tools which help you to see how a plan would work out long term with a cash flow plan. That helps you to focus and feel confident on what you can achieve going forward. She has a helpful and friendly team working with her

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

WE ALREADY DEALT THROUGH ANOTHER ADVISER (HARGREAVES LANSDOWN) AND FOUND THEIR FEES TO BE GROWING TO AN UNECONOMIC LEVEL. - EVEN WITHOUT ADVICE.

How has Emily Turgoose helped you?

SHE INTRODUCED US TO TRANSECT AND RECOMMENDED WHICH OF THEIR VAST RANGE OF READY MADE PLANS WOULD BEST SUIT OUR NEEDS. SHE HAS ALSO GIVEN US LIFESTYLE ADVICE WHICH HAS HELPED US TO MAKE CERTAIN FAMILY DECISIONS.

Have you seen the outcome you were hoping for?

SO FAR SO GOOD. EVEN IN THESE TROUBLED TIMES WE ARE KEEPING OUR HEADS ABOVE WATER INSOFAR AS OUR INVESTMENTS ARE CONCERNED.

What could they have done better?

SHE HAS BEEN PROACTIVE AND IN THAT SENSE WE WOULD NOT 'NIT PICK' ANY ASPECT OF HER SERVICE.

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

Wanted help with financial planning and investment to ensure opimised balance between short term and long term needs and between various levels of risk and reward.

How has Emily Turgoose helped you?

I have had the privilege to have known Emily for some 20 years during which time she has provided me with sound financial advice and counsel. She takes an holistic approach to financial planning, looking at the big picture and then focussing on the details needed to achieve the right outcomes. This has helped me prioritise my key financial decisions to address school fees, mortgages and retirement planning. I have introduced other family members to Emily so they may also benefit from the same successful outcomes and have no hesitation in recommending her and the excellent team at LifeMatters!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very happy with service

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

A change in my financial situation on the death of my mother.

How has Emily Turgoose helped you?

She was supportive and has a clear view on how her knowledge and advice can assist in giving an overview of your financial future and how it is possible to achieve your goals.

Have you seen the outcome you were hoping for?

Even with the turbulent times we are living through I am about to embark on a clear achievable plan of action. I am able to support my family in a significant way and look forward to a financially secure future. It's a weight off my shoulders.

What could they have done better?

I know next to nothing about investing and finances, although I have managed a home and family on a low budget. Having heard general comments made by my friends I know I am not alone. The jargon and volume of information can be overwhelming especially when changes in fortune are often accompanied by the loss of a close relative. I waited until it was a matter of necessity before getting to grips with the financial world. Not a wise move but maybe a common one. Anything to make the introduction into the financial world easier would be appreciated.

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

I went to see Emily to obtain some financial advice regarding my pensions to obtain a better understanding and idea of a full and final financial settlement for a divorce. I wanted some impartial, objective advice from an Adviser who would take the time and trouble to understand my situation and explore and explain all my options in a simple, jargon free way.

How has Emily Turgoose helped you?

Emily was amazing. From our first meeting she took the time and trouble to listen to me, provided a safe environment in which to talk and was always sympathetic and supportive throughout the process. Obviously, this was a difficult time for me, but Emily was patient, responsive and always ready to provide reassurance and advice, when I needed it. She provided advice and financial options that were expertly researched and explained, and took the time and trouble to learn more about my dreams and goals for the future and encouraged me to explore what was possible. I now feel much more secure about my financial future, and have a vision and plan for how it could look.

Have you seen the outcome you were hoping for?

We are in the process of negotiating a financial settlement that is based on facts and evidence provided by Emily and her Team. Without her input it is unlikely I would have been at this point and I certainly wouldn't feel as confident about my financial future. My hope is, that following the advice received and some additional support and advice from Emily, my soon to be ex-husband and I will reach an agreement which represents better financial sense for me and my daughters, now and in to the future.

What could they have done better?

I saw Emily at a very emotionally turbulent time for me and appreciate that she spent a lot of time with me talking about financial "stuff" which previously I had little "in-depth understanding". The resources used were practical and in-depth, but I wonder if a short video or animation about the products or services offered would maybe help me understand them better. My preferred learning style is visual, so I retain information better this way.

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

Initially I needed to transfer my mortgage. Latterly, I needed expert advice on pension transfer, investments and retirement planning, especially as had taken a step into being self employed.

How has Emily Turgoose helped you?

Emily, was the mortgage advisor who listened to and appreciated my financial situation and what I could commit to. That was almost 13 years ago and she has helped me further with other financial plans. Always appreciating what I can do and how to balance that with my needs for the future.

Have you seen the outcome you were hoping for?

Yes and more to come, I am hoping!

What could they have done better?

I know this sounds non-commital but Emily has never failed to manage my expectations, help me step out of my comfort zone but never pushed me to do something I am not ready for. I cannot think of anything.

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

I needed expert advice on long-term financial planning and management for a secure future.

How has Emily Turgoose helped you?

Emily has been my Financial Advisor for around 15 years and enabled me to transition from self-employment to retirement. She is extremely knowledgeable and professional and I have absolute confidence and trust in her.

Have you seen the outcome you were hoping for?

My expectations have been exceeded.

What could they have done better?

Personally, absolutely nothing! My only concern would be what would I do without her.

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

We wanted to consolidate our investments and also put in place a plan for retirement, understanding what our retirement income would look like.

How has Emily Turgoose helped you?

She helped with all of the above, but also helped us explore what impact changes we might make to our careers such as moving to part time work would have on our retirement income. This really helped me have the confidence to make a big career change knowing I could do this without materially affecting our retirement income and plans.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I honestly cannot think of anything. I really like the annual meeting with Emily to go through our investments, performance, check outlook and whether we are still on track for retirement.

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

Initially, investment of a lump sum. This was followed by annul reviews and further investment recommendations. As we approach retirement, Emily's advice has also included the rationalisation of multiple employer pension schemes.

How has Emily Turgoose helped you?

Initially, Emily provided sound investment advice with regard to the investment of a lump sum, which resulted in excellent capital growth. She has always kept an eye on the performance and charges of investment companies that she recommends. This has resulted in us moving our investments between companies, to our benefit.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

We don't think Emily could have provided better advice. She has consistently advised us over the last ten years.

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

Emily has been my Financial Adviser for many years and has advised on Pensions, ISA's and Trusts.

How has Emily Turgoose helped you?

Emily has developed her own unique style, a combination of solid financial advice and coaching. Emily guides you through a process for identifying your goals in life, both for the present and future and then underpins these with a financial plan to enable you to achieve them. It is a truly unique experience leaving you feeling in control of your own future.

Have you seen the outcome you were hoping for?

Yes, Emily has always given sound financial advise, in difficult markets and is not afraid to make changes to your portfolio in order to maximise your investments.

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

We met Emily from LifeMatters in 2012. We wanted to plan for our retirement but needed advice on the various pension pots we held in different places and what that would mean in retirement, whenever that might be affordable! We needed someone to help us to make decisions on how to simplify our finances, consider our options and move forward. Emily did that, and so much more.

How has Emily Turgoose helped you?

Emily has now consolidated our investments and proactively helps us to manage our income and match it with our lifestyle, this has helped us immensely – not only our finances but also our wellbeing as we are now both retired and enjoying holidays and a lifestyle we did not realise was achievable. Most advisers we have experienced are driven more around what is best for them rather than you. We have never felt this is the case with Emily. LifeMatters does the right thing for you, they invest in getting to know you and understanding your aspirations and work with you continually to help you achieve them. We have come to view their fee as an investment that we all benefit from. We’ve been through financial advisers who sell you packets off the shelf, so we were very sceptical about them and approached the initial meeting from a negative perspective, so we’ve been on quite a journey. We now see it as a very long-term commitment and we know if something happened to us and we weren’t around, Emily would sit down with our sons and offer them the same impartial advice and look after them in the same way she has us. Her technical expertise along the way has also been excellent, but she makes everything easily understandable for us. We always look forward to our review meetings, trusting Emily implicitly and we would recommend her with no reservations whatsoever.

Have you seen the outcome you were hoping for?

Yes, and more! Emily is particularly empathetic and helped us to identify both our short term goals and more importantly, our wishes and needs in retirement. She also worked with us to identify what income we needed and when and also to realise as you get older you can’t do as much as you might like, so make sure you do the things you want to at the right time in your life. Emily then helped us to profile our income and spend which also enabled us to realise we could retire earlier than we had anticipated.

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

Change of financial circumstances

How has Emily Turgoose helped you?

Emily helped us to identity our priorities which enables us to formulate a plan that makes it possible to be able to do the things we want to do with a realistic budget. This gives us peace of mind.

Have you seen the outcome you were hoping for?

Yes

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

I reached the point after separation from a long term partner where I suddenly needed to look at my financial position more closely. I had multiple pensions and savings in different places and was unsure of my overall position. As I reach the end of my working life I was fearful of what the future held financially - what I could afford to do and what I would have to give up.

How has Emily Turgoose helped you?

After a lot of work and modelling, we have reorganised pensions and savings so that I have total visibility of worth, performance etc. Even more importantly, I now have peace of mind with regards to being able to maintain my lifestyle for the rest of my life. I know how many quality holidays I can take each year, that I can replace my car at regular intervals and make indulgent purchases whenever I wish. This is really important to me as I have a fear of poverty and would otherwise have continued to scrimp and save - just in case. Instead, I have the freedom to spend at an increased level knowing that the resources are there and I can get on with enjoying myself. When recently I came up with an expensive idea that I thought was outside of my reach, Emily remodelled my position and quickly confirmed that I could follow my idea without worrying.

Have you seen the outcome you were hoping for?

Absolutely. Yes, the visibility of my position at any time is great but I can't overstate what the peace of mind gives me.

What could they have done better?

Nothing that comes to mind.

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

I was approaching retirement age and had been diagnosed with breast cancer and required a financial advisor who could help me holistically with my pension and advise me on my savings.

How has Emily Turgoose helped you?

Emily was recommended to me by a close friend and we have developed a realationship where I can rely on her experience and profession to advise me on my whole life plan. I trust her to give mt the right advice within the confines of the market.

Have you seen the outcome you were hoping for?

Yes I have been very pleased with the advice and outcome.

What could they have done better?

Occasionally it is difficult to understand the overall technical details of the plan but if discussed Emily seems able to make it clear

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

I had worked for several organisations and had various pension pots and was unsure if my investments were working as well as they should.

How has Emily Turgoose helped you?

Emily reviewed all my pensions and saving and proposed pulling everything together is a self-invested pension pot. She also provided advice on ISA investments. She was very careful in understanding my priorities and long term goals.

Have you seen the outcome you were hoping for?

Emily's recommendations have been excellent and have provided me with the security to take early retirement and enjoy life instead of continuing to work in a stressful job.

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

I have always tried to do the right thing with my finances, putting money in ISAs and paying into my pension but it was all very sporadic and I was getting out of my depth and not really understanding whether I was doing the right thing or not. In addition, I received some inheritance which really meant I was at the point where I needed to seek some professional advice on how to manage all my finances better.

How has Emily Turgoose helped you?

Emily helped by firstly understanding me – what I value, what I want from life, what my aspirations are, what lifestyle I want now, and in the future. Then how this might be achieved. We reviewed my current financial situation and she explained how my money could be working harder for me. She helped me think about my savings and investment considering my attitude to risk, so any investment would meet my expectations. I learnt how I could maximise my personal allowances and ensure tax efficient savings opportunities, all of which I had not been doing for years. Emily pulled my finances into a holistic, cohesive package which is providing me with healthy returns. Emily is professional, knowledgeable, warm and personable and is dedicated and committed to helping me achieve my goals.

Have you seen the outcome you were hoping for?

Outcomes have exceeded expectations. Not only am I seeing growth, I have a full understanding of my financial situation and the choices I can make which will allow me to consider my work/life balance in ways I would never have considered without Emily’s valuable insights and advise.

What could they have done better?

Nothing

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

We were seeking advice on how best to invest a redundancy payment with regard to pension income.

How has Emily Turgoose helped you?

Emily and her team have provided excellent service over the last eight years. When we initially met, Emily took time and trouble to understand our goals and attitude to risk. Subsequently, we meet annually to review our pension profile. Emily still exhibits this level of care at each meeting.

Have you seen the outcome you were hoping for?

Yes. Emily provides clear advice and has suggested moving pension funds as the performance / circumstances of fund managers change. All of these moves have been positive.

What could they have done better?

Nothing comes to mind

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

We felt our savings were not working as hard for us as they could be and also wanted advice regarding our pensions as we head toward retirement.

How has Emily Turgoose helped you?

Emily has consistently provided clear, understandable guidance allowing us to be informed of our choices so that we can plan for our retirement. She is incredibly patient and knowledgeable and took time to truly understand our goals and objectives. This has meant that she has been able to draw our attention to resolutions to our concerns which we had not considered because we didn't know such a solution existed. Emily would not have been able to do this had she not made certain that she understood our original goals and aspirations. Emily organises review meetings to ensure that she continues to understand our requirements as life moves on and has become integral to our financial planning since we trust her implicitly.

Have you seen the outcome you were hoping for?

Yes. Our portfolio has been managed effectively and efficiently. We have the ability to see illustrations of our financial position depending on spends/actions together with the projected impact this will have on our portfolio. We feel comfortable that our money is working as hard for us as possible.

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

We needed investment/pension advice after an unexpected life change in our circumstances.

How has Emily Turgoose helped you?

Emily listened to our needs and took into account our attitudes to risk, recommending suitable investments that would enable us to feel comfortable with our decisions.

Have you seen the outcome you were hoping for?

Yes, we feel in control of our finances and can enjoy life.

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

I had various pensions scattered around and needed consolidation and review of options and funds. I also needed advice on pension planning.

How has Emily Turgoose helped you?

Emily managed the whole process, keeping me up to date all the way through. Emily initiated, and subsequently reviewed as required, a comprehensive overview of my attitude to risk and future financial requirements. Emily is in regular contact, making sure that I understand and feel comfortable with principal changes being made on my behalf. She is also a lovely person to work with!.

Have you seen the outcome you were hoping for?

Yes, I have seen very satisfactory benefits to my future pension "pot" and I feel that I have been kept up to date all the way through. Decisions on areas of investment and portfolio split have always been fully discussed with me and I really do feel that Emily has my personal best interests at heart.

What could they have done better?

I have been a client of Emily's for many years and am not personally at all comfortable in the field of investment planning. Emily understood this from the outset and tailored her approach to my needs throughout.

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

I have used FA for many years because of my wealth. Expert advice was needed .

How has Emily Turgoose helped you?

By understanding my goals. understanding my finances and level of risk. n By listening to me and understanding the way I live my life . So advising accordingly. Personal and specific .

Have you seen the outcome you were hoping for?

Very much so . And we are continuing to plan for my future and my family. Especially Inheritance Tax Planning .

What could they have done better?

I doubt it . Emily takes time with her Clients and thinks carefully for what is best before giving advice and recommendations. All based on long term investment and security.

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

We wanted to consolidate our finances into one portfolio, and look to establish medium and long term plans for our future.

How has Emily Turgoose helped you?

Emily conducted a complete review of existing investments and insurance products. She recommended the best products to suit our needs, and consolidated our investments so that we had complete visibility and control. She also helped us with investment planning for our children's education, as well as looking at long term financial goals, and how we could achieve them. Emily explains everything in a simple, jargon-free way.

Have you seen the outcome you were hoping for?

Completely. Emily continues to review and recommend better products to keep our portfolio performing as well as possible. We have been very happy with the performance of our investments overall. She is flexible with her approach, particularly when our circumstances change. We now have complete visibility of our portfolio, as well as agreed long term goals for us all to work towards. She also has a good network so can recommend specialists in other areas e.g. mortgage advice.

What could they have done better?

We are completely happy with the service we receive from Emily, and we don't have any specific suggestions. Anything we do suggest we would like, she actions promptly for us.

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

I wanted a trusted financial advisor that could provide me with a comprehensive service around pensions, investments, savings and retirement planning.

How has Emily Turgoose helped you?

Emily has always had a friendly, professional and consultative approach in understanding my financial situation, needs and aspirations and has been able to relate them very comprehensively to the alternatives, breaking down the pros and cons of the options. With Emily's help my finances are well-structured, efficiently organised and we have a clear strategy for the future.

Have you seen the outcome you were hoping for?

We've seen investments match the risk profiles and expectations that were planned, taken a proactive approach to using ISAs, pension allowances and general financial management and investment planning.

What could they have done better?

Emily provides an exemplary service which I would strongly recommend (and have done so to several friends and family). She is has a strong customer focus with their interests at the core of her advice. She also has a great skill in modifying her questioning and explanations to suit the knowledge and interests of her clients; getting the best outcomes for them.

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

A pension sharing order as a result of divorce proceedings.

How has Emily Turgoose helped you?

Advising and managing my portfolio.

Have you seen the outcome you were hoping for?

Definitely, especially in view of the volatility of the financial market over the past 8 years.

What could they have done better?

I can't think of anything, Emily seems to have all aspects covered

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

I needed advice on handling a windfall investment. We had a couple of advisers but when they retired we were recommended to go to Emily.

How has Emily Turgoose helped you?

Emily carefully reviewed our existing investments and pensions and recommended a new approach which simplified our finances whilst providing steady growth. She facilitated the setting up of a trust fund for our grandchildren and regularly provides a clear and easy to understand picture of our finances and our financial future. SInce than she has become a great friend helping us to make wise decisions and enjoy the fruits of our working lives.

Have you seen the outcome you were hoping for?

Our finances are now in an excellent state leaving us with no worries whatsoever. We are able to concentrate our energy on living and supporting the community where we now live.

What could they have done better?

We find it hard to think of anything that could be improved!