Ross Lacey

Please provide a brief comment about your experience with Ross

very helpful and knowledgeable man. thank you.

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

Having a good amount of savings I was looking for a better way to invest my money and plan for the future financially.

How has Ross Lacey helped you?

Ross has been superb with his financial planning, coaching and advice. We have seen some fantastic returns from the investments made which has been really pleasing. Ross has always been really good at explaining what we are doing with the money and helping me to understand financial planning better, he is always on the end of the phone if I need any advice which is very comforting.

Have you seen the outcome you were hoping for?

Absolutely yes.

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

Needed advice to ascertain that we had enough capital to enjoy a comfortable retirement.

How has Ross Lacey helped you?

Ross has moved and reinvested our savings to maximise our future income

Have you seen the outcome you were hoping for?

Most definitely…. Total trust in Ross

What could they have done better?

Nothing more than happy with everything Ross has carried out..

Please provide a brief comment about your experience with Ross

Ross is such a pleasant guy straight away when I met him I felt really confident that i had made the right decision in using his company: he always turned up on time and explained everything that I was worried about answering all my questions that I wanted answered and was thoroughly professional. Made things really easy to understand.which made it easier for me to make the decision to retire early which I’m glad to say was the right decision. I recommend Ross also to a friend of mine and was also happy with the advice given to him . I will be using his company again at some point and would definitely recommend his company. And Ross is a top bloke and a pleasure to have met definitely top stars

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

We were FTB looking to purchase our first property with the aid of a mortgage.

How has Ross Lacey helped you?

Ross was incredibly helpful and knowledgeable on our journey from assessing how much we could feasibly borrow in order to start house hunting, to the mortgage offer, all the way through to completion on our first house. Ross was very approachable, and he was patient with us too, as it has taken us a while to find what we were looking for, and he secured us the best mortgage that was available to us.

Have you seen the outcome you were hoping for?

Ross was very successful in securing a mortgage so that we could buy our house, and along the way, he also managed to secure further rate cuts too, which will save us money over the next few years too. Ross also helped us find very good life insurance policies when we were near to completion too - premiums that we could not match on our own!

What could they have done better?

Nothing could've been done better. The service from Ross and his colleagues were absolutely wonderful, and incredibly helpful. We thoroughly recommend Ross' services for buying property with a mortgage or remortgaging. He saved us money, time and alot of stress in the long run!

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

Mortgage renewal

How has Ross Lacey helped you?

Very attentive and informative and ultimately gave great advice to secure the product I needed.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

To learn to manage my business accounts more efficiently

How has Ross Lacey helped you?

Ross advised us on tax efficiently taking money out of our business, as well other specific financial planning opportunities we have as business owners.

Have you seen the outcome you were hoping for?

Yes.

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

My Wife and I wanted guidance with our pension plans to ensure that we were going to do the right thing and maximise the benefits given our age, our needs in retirement and security of income long term.

How has Ross Lacey helped you?

Ross provided extremely sound advice, which guided us along a path which we were sure would give us what we needed to see our retirement expectations develop to the best of our advantage.

Have you seen the outcome you were hoping for?

Yes, we have put our plan in motion and all is looking extremely well for the future.

What could they have done better?

Nothing, the advice and support provided was 1st class. Ross was an extremely good listener and considered everything we had issues and concerns about. The service was seamless, friendly and efficient. 10/10 from us.

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

preparing for retirement

How has Ross Lacey helped you?

collated pension schemes and provided good solid projections and advice on how to achieve my goals

Have you seen the outcome you were hoping for?

everything is on course

What could they have done better?

I am happy with the service I have received

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

Moving home

How has Ross Lacey helped you?

Ross has provided a great service finding a mortgage with a great rate, at a time when rates were increasing daily, and then continuously checking the rates available throughout the house purchase process. Ross has also helped sort out my life insurance situation to make sure I have the cover it need. Time was taken both on email and the phone to explain everything I needed to know. Very professional, efficient and a pleasure to work with.

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?

Increase in salary and unsure on how to get the best out of savings and investments

How has Ross Lacey helped you?

Ross provided me with solid financial advice about how to get the most out of my savings. The information was easy to understand, not a selling pitch, with simple and realistic targets.

Have you seen the outcome you were hoping for?

Absolutely - I now feel confident in my investments and secure for the future

What could they have done better?

n/a

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

Buying first home

How has Ross Lacey helped you?

Explained mortgage process. Options and found us the right deal.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing. Communication, support, end product - all perfect.

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

Ross has been helping me with financial planning for a number of years. When I initially contacted Ross I wanted advice on how best to invest my savings. Ross helped me with that as well as secure a fantastic mortgage offer. More recently I have approached Ross for tax planning advice regarding my pension.

How has Ross Lacey helped you?

I have always found Ross to be very approachable and professional to deal with. He is really skilled at explaining what is often complex financial information in a way that is easy to understand. This enables me to make a quick and informed decision and chose the financial option that is right for me and my circumstances. I would also describe Ross as highly responsive. On the last occasion that I needed Ross's advice he was quick to act getting on touch with me for a friendly chat as soon as I had submitted all of the documents that he needed to see and review.

Have you seen the outcome you were hoping for?

Yes, as always I followed Ross's advice and I have invested my money in a tax efficient way.

What could they have done better?

I honestly cannot fault Ross in anyway. The service he provides is nothing short of excellent.

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

Buying our first home wanted advice of how to get a mortgage and to secure the best possible rate.

How has Ross Lacey helped you?

We worked with Ross who was so helpful, kind and professional. As first time buyers we naturally had a lot of questions about the house buying process and Ross was really clear and patient in helping us to understand how everything would work. He secured us the best possible mortgage rate for our circumstances in a difficult time for mortgages, and supported us throughout the entire home buying process.

Have you seen the outcome you were hoping for?

Yes, we are now in our new home and as comfortable with the mortgage loan we are now repaying.

What could they have done better?

Nothing comes to mind. We were really happy with the service we paid for, Ross was a pleasure to deal with and was a positive part of what can be a stressful event in life!

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

To seek mortgage advice as a first time buyer.

How has Ross Lacey helped you?

Ross was extremely knowledgeable and guided me through the mortgage process as a first time buyer. Ross was very patient and pro-active making sure I was updated and aware of anything that would effect my mortgage deal.

Have you seen the outcome you were hoping for?

I am very happy with the mortgage I ended up with.

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

My partner and I were looking to purchase our first house.

How has Ross Lacey helped you?

Ross’ advice, support and assistance with the sourcing of my and my partner’s mortgage was invaluable. As first time buyers with little knowledge of the process, Ross was on hand if we had any questions on the mortgage products or the other aspects of the house purchasing process. His advice to us was thorough and considered, and he was able to offer additional advice on my partner’s finances, ensuring that we both have the right level of cover in place that suited our needs and budget.

Have you seen the outcome you were hoping for?

Yes, we were able to secure a mortgage at the best rate available to us at the time.

What could they have done better?

Nothing.

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

Needing a mortgage to buy my first property

How has Ross Lacey helped you?

Ross provided excellent advice, quick service at a reasonable price. He explained everything very clearly and outlined potential mortgage options tailored to my specific circumstances. Obtaining a mortgage was a seamless process thanks to Ross!

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?

Reaching retirement age

How has Ross Lacey helped you?

Advised and explained various options that were available to me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No criticism and explained every step of the procedure

Please provide a brief comment about your experience with Ross

Great introductory session. Tonnes of knowledge to share. Very relaxed and not pushy. Spent lots of time understanding our needs.

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

Moving home

How has Ross Lacey helped you?

Absolutely faultless experience. Cannot recommend Ross highly enough. Very happy with the support and guidance provided.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, perfect service

Please provide a brief comment about your experience with Ross

Great advice

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

Planning towards retirement and evaluating my pension savings.

How has Ross Lacey helped you?

Ross has helped me enter into retirement with financial confidence and earlier than I thought was possible.

Have you seen the outcome you were hoping for?

Yes, I am retired and happy with the ongoing guidance from Ross.

What could they have done better?

Nothing could have been better that springs to mind. Ross has been easy to work with and easily approachable, gives good explanations on complex subjects.

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

Advice on pension and financial planning

How has Ross Lacey helped you?

Gave me an honest assessment of my needs

Have you seen the outcome you were hoping for?

Yes I know the direction I am heading is correct

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

I needed advice on financial planning and child tax credits

How has Ross Lacey helped you?

Ross put my mind at ease and always explained my choices is a very clear way. Ross is very knowledgeable across a variety of products and a genuine guy. You can really tell he takes pride in what he delivers

Have you seen the outcome you were hoping for?

Absolutely. I couldn't recommend Ross highly enough

What could they have done better?

Nothing at all. All my questions were fielded in a professional manner

Please provide a brief comment about your experience with Ross

Ross demonstrated extensive experience and provided tailored guidance to me. He is a seasoned professional who is very patient and inclusive in his analysis. Ross is easy to work with and he is a good listener. He went over and beyond to provide me with information that could help me make informed decision.

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

I needed some advice regarding a pension fund I have and am thinking of closing with the current company.

How has Ross Lacey helped you?

Ross has been extremely helpful with my enquiries regarding my pension. Very patient, came back to me when he said he would and provided me with some very useful information. Highly recommended!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NA

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

With interest rates rising, and our current fixed rate mortgage deal due to expire, we approached Ross for advice on the next best steps to secure the best deal.

How has Ross Lacey helped you?

Ross and his team reviewed our current circumstances and then went out to the market to identify the best options for us moving forward. This included locking in a deal now to protect us from further interest rate rises before our current deal expires in April 2024. Equally, if interest rates reduce in the meantime he will ensure we benefit from these too. Ross went through the pros and cons for each option available to us and we have every confidence he will keep a close eye on things until our re-mortgage is due.

Have you seen the outcome you were hoping for?

Yes - as far as we can at this point.

What could they have done better?

We are very happy with the service so far.

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

I was 50 years old and hoping to take early retirement, but wasn’t at all sure whether we could afford to. I wanted guidance and reassurance to see whether it was an option - and what our life would look like if I took the plunge.

How has Ross Lacey helped you?

Ross has taken the time to understand us and the things that are truly important to us - rather than just blast us with spreadsheets and financial jargon. He has given us the confidence that we can enjoy our retirement - without constantly worrying about how long the money is going to last.

Have you seen the outcome you were hoping for?

The outcome is more than we expected. We have complete confidence that we can enjoy our retirement. Ross has given us clear guidance on where our boundaries are - without imposing any degree of inflexibility. We don’t have a massive budget, but we know that we have enough to enjoy the things that are truly important to be happy.

What could they have done better?

This will sound cheesy, but the only thing I would do differently is to have found Ross earlier - I’d have a bigger budget to play with now.

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

We required a mortgage advisor to help us buy our first house and get onto the property ladder and was recommended Ross by a friend.

How has Ross Lacey helped you?

Ross was able to organise a decision in principle amazingly fast. He was able to provide us with all the helpful information that we needed and advised us on the different products on offer. He was also able to recommend solicitors to us and they were just as good too!

Have you seen the outcome you were hoping for?

We were able to move into our first home very quickly with all the help from Ross.

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

General financial advice

How has Ross Lacey helped you?

Ross reassured me, by telling me my questions were valid. He confirmed my own reasonings and was able to interpret what the core concerns were and what I should do to address them.

Have you seen the outcome you were hoping for?

I now have a comprehensive action list.

What could they have done better?

Nothing. Superb service. Cannot believe I was given this time and expertise for nothing. Would 100% recommend and go back to Ross in the future.

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

I had multiple pensions from various employees and wanted to know if amalgamating these would be beneficial. I had also reached an age where I was curious to understand at what point exactly I could retire with enough money to fulfill my needs.

How has Ross Lacey helped you?

He advised which pensions could be rolled in together to maximise a return once I reached retirement. Discussions around my estate and what could happen over the coming years took place and a plan was devised by Ross to confirm at what point in my career I would reach this plan and subsequently retire comfortably.

Have you seen the outcome you were hoping for?

My investments have increased somewhat, not by what I was expecting, but that is more to do with the economic situation in a lot of the western world, which in turn has affected many investment portfolios. My remit has however been achieved to date and plans to retire at the chosen time are still very much in play.

What could they have done better?

Ross has been very communicative and flexible throughout my dealings with him therefore I don't think much more could have been done better. He is engaging and knowledgeable about a large number of ways in which to prepare for retirement. I feel very comfortable with him advising me on what I should and shouldn't do with my investment portfolio.

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

We first contacted Ross to review our finances after my husband received a terminal diagnosis. Ross understood our difficult situation and then, with empathy and consideration, took time to understand and talk us through our priorities and options. He explained very clearly what would happen to pensions, ISAs and other savings. He talked us through inheritance tax issues and explained everything very clearly. He suggested a few changes to investments and my own pension which we took on board. Difficult conversations at a difficult time but handled very sensitively. Thank you.

How has Ross Lacey helped you?

The information Ross gave us was clear and reassuring.

Have you seen the outcome you were hoping for?

Yes.

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

First-time buyer

How has Ross Lacey helped you?

We were recommended Ross by a family friend. Ross was very helpful in guiding us through the process as first time buyers. Options and requirements were explained and he was adept at explaining what the pros and cons of various items were, as well as offering his own personal opinion whilst respecting your choice as a client. We had initially secured a 2 year fixed, at little hassle thanks to Ross and the team, but the interest rate mayhem in 2022 saw us want to switch to a 5 year. Ross and Kyrie were able to secure a new 5 year fixed within one day and acted very quickly to ensure we could achieve a reasonable rate. The product secured was withdrawn the following day, and we incurred no extra charge for this. Ross and the team were adept at keeping up to speed with the process and always reached out to see how things were progressing as well. Now a happy home owner since March '23, I would highly recommend Ross and the team to anyone looking for an advisor.

Have you seen the outcome you were hoping for?

Yes

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

There are a lot of horror stories out there about untrustworthy or rogue financial advisors so I researched a lot, looked at independent reviews before going to Ross.

How has Ross Lacey helped you?

Ross spent time with me and my husband trying to understand our financial needs. He was upfront about any fees or commission. He made sure we were happy with the level of risk for our pension portfolio and gave us some very sound mortgage advice which has saved us a lot of money in todays market.

Have you seen the outcome you were hoping for?

Absolutely he reassured us that our investments would go down but not to worry. As bd even though we have lost some recently overall we have made some money still

What could they have done better?

Nothing is too much trouble for him so it is difficult to think of anything he could have done better

Please provide a brief comment about your experience with Ross

Very helpful, very thorough, very informative..

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

I needed to remortgage and also wanted to discuss my other financial circumstances at the same time

How has Ross Lacey helped you?

Ross was excellent in all areas. He spent a lot of time trying to get to know me and my goals, asking lots of pertinent questions. Ross then discussed some life planing with me around savings and pensions and I used him as a soundboard for different options that I was considering. Ultimately Ross left me understanding all the options in detail and helped me to come to my own decision. Ross also took the time to seek out the best possible mortgage deal for my remortgage and secured us a better rate than expected (which meant having to pay off a tiny bit extra of our current mortgage upon switching). Furthermore he was also able to recommend a more than satisfactory solicitor to assist with that side of the process.

Have you seen the outcome you were hoping for?

Yes absolutely. The remortgage was smooth and the additional help from Ross on the life planning side of things was excellent.

What could they have done better?

I genuinely don’t believe Ross could have done any more for us to help. 10/10 service.

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

I first approached Ross for mortgage advice and he correctly put me in touch with one of his professional contacts to deal with what was a relatively complex / not straightforward re-mortgage process which completed satisfactorily. My second reason for contacting Ross was to discuss a pension related query which arose through my employers proposing a potential tax saving without providing adequate information including pros and cons. Having obtained Ross's input I was able explore the proposal further through the insurers administering the company pension scheme and HMRC.

How has Ross Lacey helped you?

See the above comments. Essentially, I now have a way forward in connection with the re-mortgage process and the complex pension issue with potential to achieve savings on my tax obligations with HMRC's blessing.

Have you seen the outcome you were hoping for?

Both outcomes are as good as I could have expected and Ross's straight forward approach helped me get to the heart of both issues.

What could they have done better?

Difficult to answer this as I believe an earlier approach to Ross on the re-mortgage may well have improved the final mortgage terms so that rests with me. The pension advice was first class.

Please provide a brief comment about your experience with Ross

found Ross very easy to talk to and very knowledgeable

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

I was looking for a buy to let mortgage on a property I Rent out

How has Ross Lacey helped you?

Ross Has helped me with finding multiple mortgages form 2 year fixed to 5 year fixed mortgages and a multiple of interest rates. Finding the best outcome going from higher interests rates but lower fees, that would save me a thousands of pounds overall

Have you seen the outcome you were hoping for?

I have seen a better outcome than I was hoping for.

What could they have done better?

Nothing in my opinion. He is a very helpful person that I have recommended to multiple people. He wants to get the best outcome you could get for your money and I am currently using him again.

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

Lack of communication from previous IFA

How has Ross Lacey helped you?

Informative caring and knowledgeable. Explains everything thoroughly and communicates with both myself and wife in equal measure so we both understand our position.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing known.

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

Remortgaging

How has Ross Lacey helped you?

Ross always explains things in a simple manner and looking a the best deals. I trust his advice implicitly

Have you seen the outcome you were hoping for?

Didn’t save us money but interest rates aren’t his fault! He got us the best deal possible

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

I sold my house & had a fair bit of equity. I needed advice on how to manage & make the most of my money.

How has Ross Lacey helped you?

Ross is extremely helpful, very communicative, very knowledgeable & cares about his clients. He has a real passion for what he does.

Have you seen the outcome you were hoping for?

Yes I have. Investing is cyclical however, with Ross there are never surprises as he keeps you completely updated with any major incidents, issues that may occur globally. You always have peace of mind that he has his clients interests at heart.

What could they have done better?

As of yet there isn’t anything that I would say could be better.

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

Pensions transfer

How has Ross Lacey helped you?

Ross has helped a great deal with helping me understand how the transfer will work and explaining clearly all my options of Pensions available that I could transfer my pension into.

Have you seen the outcome you were hoping for?

Yes, I was so pleased with the outcome and the way Ross answers all questions and explains step by step and keeps in touch, that I recommended a family member to him, and that family member was so pleased with the outcome, that he has now recommended friends to Ross also.

What could they have done better?

Nothing, Ross is one of the best financial advisors I have had in the last 20 years, I find he is the best because he explains things clearly, looks for the best options for you, and understands and answers any questions clearly. I find Ross very easy to understand, as I have found it very difficult to understand financial terms etc previously.

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

I had a pension set up by another financial adviser some years ago, which was not being managed at all, so I had no idea if my fund was still appropriate for me and whether it was on track to provide for my future. I also had some cash ISAs which were no longer providing any interest, and therefore I wanted to seek a better place to invest my money.

How has Ross Lacey helped you?

After several face to face consultations, Ross moved my pension fund to a different provider and set up a stocks and shares ISA for me, which I intend to keep investing in. He has taken steps to diversify my portfolio and manage my risk appetite accordingly (which has fluctuated quite a lot over the past year or so). He always explains everything in a logical, calm manner, so that I can understand things clearly. As well as making investment decisions for me as an individual, he is also helping both me and my husband plan for our future. We meet a couple of times a year to discuss our financial goals, and Ross builds this into a financial plan, so we can see what our future retirement years might look like. This has been an extremely helpful and positive experience, and means that, not only can we look forward to retirement with greater clarity and knowledge about our finances, we also have time to make adjustments if necessary to ensure we will have enough provision for the future.

Have you seen the outcome you were hoping for?

It is still early days with regards to the actual investments and respective performance, but I feel I am in safe hands with Ross. It's not easy finding someone you can trust to manage your life savings, but I have faith in Ross to look after my money and provide ongoing advice and support to us over the coming years. From the initial meeting, to all subsequent meetings and dealings we've had to date, Ross has been consistently professional, he always listens, never rushes or pushes you into anything, and has never made me feel like just a number. I hope it will be a long-term partnership working together.

What could they have done better?

Nothing that I'm aware of - the service from Ross has been consistently great so far.

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

I was looking to purchase my first property and needed advice and guidance on the process.

How has Ross Lacey helped you?

Ross talked me through the process and at all times kept his explanations simple and easy to follow. He took the time to listen to my specific needs and find a product that was suited to me and my budget. He also kept in regular contact with me and was always available for any questions, no matter how small they were.

Have you seen the outcome you were hoping for?

Yes, I have recently purchased my first property and I am very grateful for the help Ross provided.

What could they have done better?

Nothing, the service from start to finish was amazing.

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

Remortgage and some general advice on investment and tax planning.

How has Ross Lacey helped you?

An excellent experience form start to end. Ross provided a professional, knowledgeable and thorough service.

Have you seen the outcome you were hoping for?

Yes!

Please provide a brief comment about your experience with Ross

From our first zoom meeting with Ross everything was explained very well. Ross made the experience much easier with his clear advice & reassuring way of each part of the process,I highly recommend Ross to anyone who needs assistance with their mortgage application.

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

A private pension became available at a higher amount than expected, plus some inheritance. The question was could my husband retire early ?

How has Ross Lacey helped you?

He has been excellent in explaining our options. How the money can work for us to enable us to make our decision. No matter how trivial the question asked, Ross always gave an easy to understand answer. You never feel rushed when seeing or talking to him.

Have you seen the outcome you were hoping for?

Yes, very happy with the outcome.

What could they have done better?

I don't think Ross could have done any better. He has been very polite, professional and clear the whole time.

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

I needed to re-mortgage my property due to my divorce

How has Ross Lacey helped you?

Ross gave really good advice and was able to identify the best provider to remortgage with. Throughout the whole process he was always available to answer any questions

Have you seen the outcome you were hoping for?

Definately, the remortgage went through without a problem

What could they have done better?

Nothing

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

Mortgage, personal and business insurance

How has Ross Lacey helped you?

Ross was able to give me excellent advice throughout the mortgage application process, he also assisted with arranging various insurances for both personal and business cover.

Have you seen the outcome you were hoping for?

Yes, Ross was able to deliver everything I asked and more.

What could they have done better?

Nothing to note

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

My grandma was in a state of ill health and our family were preparing to move her into a medically assisted facility. The discussion of finances arose and the search for a low risk investment which met our cashflow critera led us to Ross.

How has Ross Lacey helped you?

Ross provided us fantastic advice in regards to my Grandma's situation, and has continued to provide us with investment as well as mortgage advice.

Have you seen the outcome you were hoping for?

Certainly, Ross has helped me create a well thought out financial plan to achieve my own personal goals, in addition provided great advice when my grandma was in ill health.

What could they have done better?

I can't fault Ross's professionalism and approach to his clients, no hesitation in recommending him to others (and have done).

Please provide a brief comment about your experience with Ross

Ross took the time to understand our goals and was very candid. He gave us honest advice and offered us very useful tips. It felt like we were speaking with someone we could trust. He spoke in a way that empowered us (this is a rare quality nowadays), rather than pressuring us to purchase a service. Ross has a wealth of knowledge that could be useful for any sort of client. Ross also made us think about why we are waiting to achieve certain goals (without adding any pressure) - this approach helped us think about our timelines and helped us take the first step towards some of our goals that we were overwhelmed about.

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

Needed advice on mortgage options, affordability and insurance

How has Ross Lacey helped you?

Ross has been incredibly patient, thorough and responsive. He is extremely knowledgeable and is able to explain different options and their implications in simple terms. He is also very efficient and acts fast in response to changing market conditions.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing - great service, recommend highly.

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

After 20+ years of taking Pensions via work, but never fully understanding them, it came the time to find a Financial Advisor to go through all the information and explain it to me in a manner I could understand.

How has Ross Lacey helped you?

Ross spent time wading through the paperwork relating to x4 separate work pensions (including the dreaded Equitable Life). He gained up to date values on them all and then in his patient, friendly and professional manner explained the the options available to me. wrote to all the relevant companies and

Have you seen the outcome you were hoping for?

At long last got out of the defunct Equitable Life and re-invested into a Pension, as per Ross's suggestion, that is now making money. Also established other x3 Pensions were Final Salary, and advised to leave alone, Thanx.

What could they have done better?

Nothing

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

We were looking for financial advice on investments that best suited our circumstances and needs.

How has Ross Lacey helped you?

Ross spent time to explain in depth the investments that we already had and how they could be more beneficial to our family in the future. He was patient, friendly and professional and relayed the information to us in a way that we could understood. Ross fulfilled promises and checked in with us on many occasions to ensure his advice was working for us.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, we are very happy with the advice he has given us and the care he took to ensure it was right for us.

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

We were moving home and we wanted to ensure that we were able to get the best offer on our new Mortgage.

How has Ross Lacey helped you?

Ross was able to advise extremely well on which products would best suit us and he went through all the different options and gave us very good advice. He was also able to answer any uncertain questions that we raised and put our minds at rest when things were getting confusing.

Have you seen the outcome you were hoping for?

Yes, we now have a very good mortgage and life insurance and is exactly within our budget that we provided Ross.

Please provide a brief comment about your experience with Ross

My partner and I had an initial meeting with Ross to discuss our future financial needs/arrangements. Ross was very knowledgeable but more importantly listened and understood quickly what we wanted to achieve. He gave a number of very clear options to consider. There was no 'pushy' salesman techniques just good honest advice and left us feeling confident to contact him once we had made our decisions.

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

Looking for mortgage advice as well as advice on Investment and Savings

How has Ross Lacey helped you?

He helped search the market for the best rates and help with a solution for an ongoing issue with multiple mortgage products.

Have you seen the outcome you were hoping for?

Yes, multiple mortgage product issue will be resolved.

What could they have done better?

Nothing

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

I needed financial advice in order to make a choice about a pension.

How has Ross Lacey helped you?

Ross was able to explain my options to me, in a way which I was able to understand (I am not pension minded and have very limited knowledge about these). This led to me being able to make a decision about my pension.

Have you seen the outcome you were hoping for?

Yes, I am now in receipt of pension.

What could they have done better?

-

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

I was coming to the end of my fixed deal on my mortgage

How has Ross Lacey helped you?

Ross has helped finding the best deal for me that he could on a mortgage with good interest rate offered

Have you seen the outcome you were hoping for?

100% yes and very happy with the outcome. Best fixed mortgage deal received

What could they have done better?

Nothing Ross has been extremely professional through out the whole process from start to finish

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

Whole scale life changes meant I required a full financial review

How has Ross Lacey helped you?

Ross has become a trusted partner, working with me patiently and considerately to implement effective financial planning. He keeps me fully informed, responds quickly and effectively to my requests and is innovative in presenting investment opportunities.

Have you seen the outcome you were hoping for?

Yes and more. I continue to see new outcomes and look forward to working with Ross for a long time to come.

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

We used Ross to remortgage our house

How has Ross Lacey helped you?

Ross was awesome and sorted out everything for us. Nothing was too much trouble for him. He kept us well informed of what was happening and was always on hand if we needed anything.

Have you seen the outcome you were hoping for?

Yes. We remortgaged our house with a 5 year fixed rate. Thanks to Ross it was stress free and a very easy process

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

Initially looked for advice on debt management and investing in property, the best way to take equity out/additional borrowing on an existing property

How has Ross Lacey helped you?

Ross has provided quick and detailed information to any question i had around debt management, additional borrowing and investing in property. He has been clear and concise with every answer and took the time to listen and look into my situation and come back with and abundance of information to help me out.

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?

I am a first-time buyer and I was looking for support in securing a mortgage product that fits my budget and needs.

How has Ross Lacey helped you?

Ross organised my mortgage for me – from looking through my financial situation to explaining the product in detail, Ross was patient and thorough.

Have you seen the outcome you were hoping for?

Yes!

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

We required a new mortgage, home insurance and life insurance.

How has Ross Lacey helped you?

Ross has organised our mortgage, home insurance and life insurance.

Have you seen the outcome you were hoping for?

Yes absolutely.

What could they have done better?

Nothing, Ross was fantastic.

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

I had been unable to understand paperwork relating to my pension.

How has Ross Lacey helped you?

Ross visited me at home, he went through my pension paperwork and made explanations/clarifications which helped me to understand the situation better. He made contact with pension company on my behalf and then ascertained procedure which I need to follow in order to access my pension funds. I had made some wrongful assumptions about my pension so his expertise on the subject was very helpful. The whole process was very constructive for me; I have very limited knowledge about pensions and Ross's clarifications/explanations and his contact with pension company was of great value to me.

Have you seen the outcome you were hoping for?

Yes

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

Morgage

How has Ross Lacey helped you?

Ross was absolutely brilliant. He was quick to respond to any emails, phone calls or messages. Really friendly, professional and polite. He went above and beyond for us I would highly recommend him.

Have you seen the outcome you were hoping for?

Exceeded expectations

What could they have done better?

Not aware of any to be honest

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

My age and circumstances

How has Ross Lacey helped you?

Ross gave me advice

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 Ross

I had an initial consultation with Ross to explain my concerns and he took the time to listen and look at the paperwork provided and gave me the guidance I needed at this moment in time. He also explained my current products and next steps I should take. He was friendly and made me feel at ease.

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

Moving home

How has Ross Lacey helped you?

Arranged our mortgage/insurance/protection

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 Ross

Ross was so helpful and informative and helped me to find the best option for my savings as a prospective first time buyer. He gave me real and honest advice and I hope to come back to him when I need help with a mortgage.

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

I am approaching retirement age and I had a number of pensions that I wanted to consolidate prior to actually retiring.

How has Ross Lacey helped you?

Ross was fantastic in interpreting my perceived goals, giving clear advice along the way and always open and honest about the risks, benefits and rewards of any given projection. He guided me through the pension consolidation process painlessly and the Pension pot tax free cash lump sum we planned for arrived safely and within the projected timescale.

Have you seen the outcome you were hoping for?

Absolutely. Couldn't be more pleased with the outcome.

What could they have done better?

I genuinely have no expectations that weren't met. First class service from Ross!

Please provide a brief comment about your experience with Ross

Ross is professional, knowledgeable and approachable. Several of my clients have used Ross in the past for their mortgage or financial advice and have spoken very highly of him.

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

My husband recently passed away. As he took care of the financial side of things I thought it best to seek professional advice regarding my affairs. I heard about Ross through a friend.

How has Ross Lacey helped you?

Ross has helped me to understand my current financial position and is supporting me with future financial planning now I am in retirement. He has given me an honest view of where I am and what I am able to spend going forward. As part of this he has made investment recommendations in terms of my inherited pension scheme and the investing of other cash I hold in ISAs and Unit Trusts. Being a pensioner he has worked with me to identify the right level of investment risk to take, as well as making recommendations on how to use my money in the right way to reduce tax implications for myself, and in the future, for my children. Ross kept me engaged every step of the way and with every decision, visiting me regularly at home to run through everything in detail. He has been a pleasure to deal with.

Have you seen the outcome you were hoping for?

Absolutely!! Even better than I was hoping for.

What could they have done better?

Nothing - carry on as you are.

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

Change in pension situation

How has Ross Lacey helped you?

Ross explained the differences between the pensions I was being offered. He was very professional, personable and was able to relay information in a simplistic way for someone like me (with little financial understanding) very well. I wouldn't hesitate to use his services again.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing- Ross was excellent.

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

Buying a new property and remortgaging our existing property, as well as investment advice and life insurance cover.

How has Ross Lacey helped you?

Ross has been fantastic in advising for a range of products for us. He has taken time to understand our requirements and worked with us and our accountants to provide the best products. Few financial advisors spend the time that Ross has taken to get to know us, is always on hand to help and to give easy to understand answers to complex questions.

Have you seen the outcome you were hoping for?

Whenever we've asked Ross questions, he's been upfront and honest, he's always delivered what we've asked of him and more.

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

We needed advice on saving for buying a house and long term financial strategy.

How has Ross Lacey helped you?

Ross has been incredibly helpful, not only helping us to set goals for our financial planning but also acting as our mortgage and insurance broker. Not only it has been really convenient to have Ross being a "one-stop shop" for all our long term financial commitments, but we can also trust him to find the best rates and offers that suit our family's needs.

Have you seen the outcome you were hoping for?

Yes. We are now living in our own house, we're insured with a really comprehensive policy, and we're looking forward to continue working with Ross in building and continuously updating our financial strategy for the future.

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

Moving house

How has Ross Lacey helped you?

Offered advice on mortgage options, insurance protections and liaised with solictiors.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

My wife and I were both self-employed and didn't know where to begin looking for a mortgage as we had been told the high street lenders wouldn't look at us favourably.

How has Ross Lacey helped you?

Right from the start, Ross has provided us with a wealth of advice, knowledge and detail. So much so that we are now proactively viewing properties as we are ready to purchase, something that was just a distant dream before speaking with Ross.

Have you seen the outcome you were hoping for?

Yes. Ross has been able to breakdown the nuances of mortgages and property purchase for us, we now feel confident about taking the next step in our lives.

What could they have done better?

Nothing to note.

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

To understand more about my endowment and the options available to me under changing circumstamces

How has Ross Lacey helped you?

Ross explained how the fund is managed and why it is changing the way it has been

Have you seen the outcome you were hoping for?

No this is still ongoing

What could they have done better?

N/A as everything was dealt with satisfactory.