Chris Friel

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

Wanting to make my savings work harder in an unsettling financial climate

How has Chris Friel helped you?

Explained a solid approach moving forward based on my circumstances.

Have you seen the outcome you were hoping for?

Not yet, confident that I will see a positive outcome once i have completed my homework.

What could they have done better?

Nothing - great service.

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

I had reached retirement and was unsure that my savings and investments could cover both the lifestyle I hoped to achieve and gifting to my children.

How has Chris Friel helped you?

After confirming the details of my financial circumstances and gaining a full understanding of my objectives, he provided cash flow modelling of how my financial future might look. He worked with me on an action plan and advised on the most appropriate pension plan for me.

Have you seen the outcome you were hoping for?

Yes. Chris has given me greater confidence in my financial security, guided me through pension consolidation and worked with me to ensure that I feel my financial situation is in order.

What could they have done better?

I am extremely impressed by the service provided by Chris and his team.

Please provide a brief comment about your experience with Chris

We had some short-notice questions about multiple pension quotes received by my husband and me. Chris was able to meet us immediately. He provided useful, practical and pragmatic advice which highlighted some important questions we can put back to our pension providers. Once we have confirmation from our pension providers we would choose Chris again to help guide our next financial planning decisions.

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

I was looking at developing a forecast of my financial situation with regards to retiring at 60/63 and 67.

How has Chris Friel helped you?

I was impressed as to how specific the advice was for me. They took the time to understand not only my financial situation but me as a person which was vital.

Have you seen the outcome you were hoping for?

I now have a very clear view of my options.

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

I was looking for advice on a personal pension for my son.

How has Chris Friel helped you?

He provided all the information I required.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing in my opinion

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

Approaching retirement

How has Chris Friel helped you?

Provided a detailed model of how our retirement funds could work for us in different scenarios and recommended a variety of steps we could take to make the most of our money.

Have you seen the outcome you were hoping for?

Absolutely - we wanted to be able to see the "big picture" of how our various income streams were going to work together and gain a timescale for when we could afford to retire. Chris delivered on that andvprovided really useful insights into how we could make more of our money. The whole process has been reassuring and empowering.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Chris

I found Chris very helpful and informative. He put me at ease very quickly and I was able to ask questions in a straightforward way. He was innovative in his responses and I felt he really knew 'his stuff!'

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

Looking for advice re: retirement planning.

How has Chris Friel helped you?

Chris provided very clear advice, and produced a straightforward, tax efficent plan, which should smooth the retirement process. He also corrected a couple of mistakes I was about to make, and gave me enough confidence to begin the retirement process. Overall very empathetic and reassuring, at a rather challenging time of life. He clearly is on top of his profession.

Have you seen the outcome you were hoping for?

Yes, very satisfied.

What could they have done better?

Nothing.

Please provide a brief comment about your experience with Chris

Chris has restored my confidence in financial advice. He was very clear and easy to speak to which was refreshing.

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

I had to take benefits from my pension as I had reached the normal retirement date.

How has Chris Friel helped you?

Chris explained all my options clearly and provided me with advice on the best way to access my pension. He also used cash flow modelling to help me understand whether I would have enough money to retire.

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 Chris

Approachable, articulate and knowledgable.

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

Uncertainty surrounding current and future financial position, particularly in relation to pension status.

How has Chris Friel helped you?

Provided the clarity required and guided my decision making to suit my circumstances.

Have you seen the outcome you were hoping for?

My adjustments are very recent, but I have already improved certain investment returns following the advice received.

What could they have done better?

Nothing springs to mind. A very professional service from start to finish, although it isn’t really the finish as I have been so impressed I have decided to continue the relationship on an ongoing basis to ensure I make timely adjustments as circumstances change.

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

I approached Chris as i was interested in investment opportunities.

How has Chris Friel helped you?

I was very pleased with the excellent service provided by Chris. He provided me with tailored advice suitable for my age and investment goals. I found him to be approachable, very willing to help, and tailors his advice to suit all individuals whether one has very basic/little financial knowledge or advanced. He explained even basic concepts well without being judgemental/patronising. He made me feel comfortable and I felt that I was being given financial advice that was in my best interest. Thank you

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I cannot think of anything, I was very satisfied with his service

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

Initially I looked for an adviser for pensions and savings advice

How has Chris Friel helped you?

Chris Friel helped me by looking at my present financial circumstances, pensions and savings, also my present lifestyle and future hopes. Chris Friel helped me look at a number of different pension and savings options, he helped me understand thereby enabling me to make balanced and informed pension and financial decisions.

Have you seen the outcome you were hoping for?

Yes, I have an outcome which exceeded my expectations and I believe was the right choice for my financial situation and also my personal wellbeing.

What could they have done better?

Gosh, interestingly there is nothing better that Chris Friel could have done. Some of the financial institutions who where custodians of my hard earned pension could have behaved and preformed better.

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

I had previously consulted with Chris regarding my NHS Pension. My accountant had recommended Chris due to his in-depth knowledge of the NHS Pension Scheme.

How has Chris Friel helped you?

He took detailed information about my current finances and retirement plans. He produced projections to that worked out the pros/cons of remaining in or leaving the pension scheme. We subsequently updated that plan as part of a yearly review and in light of the changes brought about by the Spring Budget.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I was very happy with Chris’ level of knowledge and advice.

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

I wanted to retire at 55. I had three pensions - my employer's defined benefit that covered most of my expenses, my employer's defined contribution and a personal defined contribution. The DB covered most of my expenses but there was a monthly shortfall. I needed the latter two to cover the shortfall over the years 55 to 67. I need confidence that my budget was correct and what the best use of the two DC pensions were.

How has Chris Friel helped you?

Firstly, Chris and I went through the budget and the graphical report indicated any shortfalls or gaps. Secondly, after analysing my risk profile, Chris recommended an approach to fill the gap and to fullfil my wishes for family inheritance. Through the process Chris suggested strategies for getting the most from our savings, reduce tax impact and address future big spends, considering my early retirement.

Have you seen the outcome you were hoping for?

Yes. I am very happy with the plan and the outcome has met my expectations.

What could they have done better?

Nothing. I've worked 33 years for a global corporation, used to dealing with suppliers and customers and Chris' approach is professional and practical balanced with an empathetic view which makes you feel fully invoked in the complete thought process.

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

We are planning for our retirement and were looking for advice as to how to maximise our pensions, savings, plan for the future and gain confidence to know when we were financially able to retire.

How has Chris Friel helped you?

Chris has helped us with guidance and confidence. He made us realise the financial situation we were in, where we need to be and created an action plan on how to get there.

Have you seen the outcome you were hoping for?

Yes 100% - we are more knowledgeable on where we are now, what we have to do over the next few years and how to maximise our finances during retirement. We have more information than anticipated and everything has been explained so carefully that even us financial novices understood!!!

What could they have done better?

Absolutely nothing - everyone in the organisation that has been involved with us, especially Chris has been amazing. There is not one thing i could think of that could have been done better.

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

Long term planning for ritrement

How has Chris Friel helped you?

Chris was extremely helpful in giving us a detailed and informative financial plan. This helped to clarify many of the points we were unsure about regarding our long term financial plan. Furthermore, this helped to provide us with reassurance with regards our long term decisions.

Have you seen the outcome you were hoping for?

Yes

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

1) We had a lump sum of cash and needed guidance with respect to the most tax efficient way of investing these funds while considering withdrawals to be made in the mid to long term. 2) Needed assistance in Financial Planning and understanding in a comprehensive way how our family's current overall financial picture looks like.

How has Chris Friel helped you?

Chris spent the first few meetings intently listening and fundamentally understanding what my fundamental needs are. He caught me off guard at times asking important questions, which I myself had not thought about. For me what I obtained from this service is a more or less simplified game plan to implements in the coming months/year. I had interviewed quite a few advisors before settling on Chris and what I liked was that he wasn't trying to upsell anything. I felt like I had a an advisor that was on my side and who did his best to understand my needs.

Have you seen the outcome you were hoping for?

Yes he has clarified many of the doubts that I had before meeting him.

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

My wife and I had both been misled by FAs in the past and were left highly critical and suspicious as a result, to the point we aggressively disagreed with being forced to use one to access our pensions And then along came Chris Friel, the answer to our prayers

How has Chris Friel helped you?

A very successful professional FA who’s goal is truly to work for us to maximise our financial opportunities and make our lives better, he’s literally saved us from this financial crisis, he’s sorted investments, mortgages, compensation, equity release, pensions Chris even sourced options for reasonably priced legal representation near to where we live

Have you seen the outcome you were hoping for?

Yes!! furthermore he achieved all this whilst dealing with two difficult clients that required a lot of support, Chris has great patience and will happily explain all the options in layman’s terms and help you to feel empowered and confident in your choices, and most importantly he’s advice is successful and now we’re in the best possible position for our circumstances

What could they have done better?

Chris has for filled all our expectation.

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

I need pension advice and overall plan for myself and my wife.

How has Chris Friel helped you?

He explained everything (complicated tax and pension matters) in clear and relevant terms and provided a well illustrated plan.

Have you seen the outcome you were hoping for?

yes we now feel much more confident in an otherwise confusing area.

What could they have done better?

Nothing-I could not ask for better service

Please provide a brief comment about your experience with Chris

Had a brief initial call with Chris who was super informative and had the time to talk through my enquiry in a language that I could understand. I will be keeping in contact and will be using his services when the time comes. Many thanks

Please provide a brief comment about your experience with Chris

I initially contacted Chris when seeking advice with regards to possible irregularities in the administration of my SIPP. This is an ongoing process and without Chris's clear suggestions I would have struggled to make any headway in confronting and dealing with the situation. More recently, my wife had an income tax issue in relation to unearned income on our second property. She was very concerned and worried about possible negative outcomes. I immediately suggested she contact Chris. In speaking to him, she felt a great sense of relief and that a weight had been lifted from her shoulders. She followed up on his clear advice and is now much more in control of the situation than previously. Chris really did put her mind at ease, and she feels much gratitude towards him. His analysis of our different 'problems' and subsequent advice offered was honest, transparent and effective. In our dealings with him, he has shown himself to be very personable, empathetic, and thoroughly knowledgeable in his field of business. We would certainly have full confidence in using his financial services and would highly recommend him to others.

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

To gain advice on annual and lifetime allowance related to my nhs pension.

How has Chris Friel helped you?

Chris helped me gain a full understanding of my pension situation and helped me realise the importance of taking a long term strategic planning. He also reviewed my situation in relation to my family’s situation with important consideration of planning with their best interests in mind.

Have you seen the outcome you were hoping for?

Yes I now have a full undestanding of my pension planning and overall finanicial situation relating to my current situation and retirement planning.

What could they have done better?

Chris explained all aspects of my situation extremely well.

Please provide a brief comment about your experience with Chris

Chris has been very helpful and thorough with the advise provided. Chris knows his facts and asks the right questions to provide a personalised/individualised approach. Having a discussion with Chris about finances also helped me to think more widely about other aspects of my employment finances/benefits, which i wouldn't necessarily have considered myself. He succinctly summarised points in a follow-up email and has organised on-going follow-up.

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

Struggling with understanding the complexities of the NHS pension as I approach retirement..

How has Chris Friel helped you?

Chris has helped break down the different nhs pension sections and explained how best to work out pension and options thereafter .

Have you seen the outcome you were hoping for?

Speedy response and outcome.

What could they have done better?

Service couldn’t have been better.

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

Even though I am a highly experienced financial professional, I felt I needed someone to help validate my thoughts around asset allocation and fund selection. I wanted that extra level of professional insight to ensure I was on the right track.

How has Chris Friel helped you?

Chris took me through the advice process and at the end of it we agreed that I could afford to take on a higher level of risk. As a result, I have re-positioned my portfolios of pensions and ISAs. Chris also provided a comforting cash flow projection. At the end of the advice process, I'm more confident that I am taking the correct decisions, which was the primary motivation for seeking professional advice.

Have you seen the outcome you were hoping for?

Yes. I am more confident my financial plan is on target.

What could they have done better?

Some of the graphics in the reports were difficult to read. Very small print.

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

I needed help with my pension as I was coming up to retirement and wanted to make changes to my current pension.

How has Chris Friel helped you?

Chris helped me to work out the priorities for my pension and I now understand how it will work coming up to retirement.

Have you seen the outcome you were hoping for?

Yes as Chris and the team have made the changes required to my pension investments so it is suitable for my ongoing requirements.

What could they have done better?

Nothing really as I am happy with the advice and service provided.

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

I needed Income Protection and also NHS pensions advice

How has Chris Friel helped you?

Chris has been extremely helpful, finding me income protection appropriate to my occupation and at a reasonable price. He has also helped me navigate my annual allowance and NHS pension questions with expert knowledge. I felt that Chris was really listening to me and gave very helpful 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 Chris

We contacted Chris to help my Dad with his financial planning and found him to be prompt, polite, knowledgeable and helpful. While we won’t need to use Chris’ services at the moment, we’re keeping him in mind for the future as we were impressed with his straightforward advice and honesty.

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

How has Chris Friel helped you since your last review?

Chris monitors my financial situation, liaises with my portfolio manager and updates me. He answers any questions I have rapidly and clearly. He keeps abreast of my requirements and the financial tools available to fulfil them. He provides comprehensive in-depth reviews of my finances, cashflow and short-, medium- and long-term objectives. He reassures me.

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

How has Chris Friel helped you since your last review?

Kept me informed in market activity, help me regarding the right will to protect myself and wife lasting power of attorney

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

How has Chris Friel helped you since your last review?

We have had a 6 monthly follow up, & plans in place for future review. It was good to reflect on 1st 6/12 since retirement started. As always Chris was organised & well prepared for our meeting.

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

elderly parent wanting to be advised that they were doing all they could to mitigate Inheritance tax and family wanting advice on best financial strategy for funding long term care if that became necessary.

How has Chris Friel helped you?

With both the above. Demonstrated clear appreciation of the issues involved and how the elderly client might be anxious or reticent about changing traditional attitudes to investments v savings v expenditure. Quite extraordinary empathy with and perception (in one so young) of how the elderly person might be feeling about their financial situation. and the changing world they were inhabiting.

Have you seen the outcome you were hoping for?

Very much so. Was able to suggest changes to parent to help mitigate tax exposure and encourage them to feel more free to be spending their money on their needs now and in the short term, rather than hoarding it for 'rainy day' - that is now here. Chris's report provided powerful arguments why spending was better than letting the tax man get her money!!

What could they have done better?

Nothing. Covid restrictions meant we couldn't have a face to face which would have been good, as opposed to online meeting, but that was nothing Chris Friel could have resolved.

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

Approaching retirement, consideration of taking pension early. Looking for financial advice on projected income and expenditure, tax, lifetime and annual allowance charges.

How has Chris Friel helped you?

Chris provided a comprehensive financial plan based on our requirements and wishes for retirement, importantly having initially taken the time to explore these. This was supplemented with additional pension calculations. This has made it much easier and more secure to make a final decision on retirement. We are now looking at additional investment advice.

Have you seen the outcome you were hoping for?

Yes, retirement plan is clear and investment planning ongoing.

What could they have done better?

No issues.

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

Both my wife and I are planning to retire within the next few years

How has Chris Friel helped you?

As an Investment Industry professional for nearly 30 years, both my wife and I have found Chris hugely helpful and reassuring as we prepare our final plans for retirement. On a personal level Chris is very approachable and on a professional level he is extremely knowledgeable. You always feel that Chris is clearly focused on doing the very best thing for you. Both my wife and I are looking forward to working with Chris through-out our retirement years.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Nothing.

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

Investing advice

How has Chris Friel helped you?

Good advice and support

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nil

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

I downsized from a large detached bungalow to a flat. I didn't want the profit I made to sit in a bank account earning no interest. I needed some expert advice to help me invest the money wisely.

How has Chris Friel helped you?

Chris was great. Right from the start he continually questioned me to ascertain what would work best for me. When he had a clear picture of what my needs were he formulated a plan. He explained what he had put together and why it was best for meeting my needs. He went through each step with me making it easy for me to understand everything. He made sure I read all the relevant paperwork explaining the plan in more detail. He gave me plenty of time to digest the information and never put me under any pressure.

Have you seen the outcome you were hoping for?

I am very happy with the outcome and I know if I have any questions I can go back to Chris for answers. I look forward to watching my investment grow over the years.

What could they have done better?

I cannot think of anything Chris could have done better. I am delighted with the service I received.

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

We are approaching retirement age, and wanted to know if we were going to be able to retire comfortably.

How has Chris Friel helped you?

Chris found out all about us and tailored a plan to suit our needs. He also specialises in NHS pensions which was invaluable in planning my wife's retirement.

Have you seen the outcome you were hoping for?

Absolutely. We ended up transferring our pensions which although had served us well in the past, were no longer suitable for our needs due to the fact that we wanted more flexibility around access to funds.

What could they have done better?

Can't fault the service we received.

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

I needed advice on opening a SIPP and Inheritance Planning.

How has Chris Friel helped you?

He guided me through the whole process with diligence and humour.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Nothing I can think of.

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

Retirement and the need for pension advice

How has Chris Friel helped you?

Chris came on recommendation and probably the best I have ever had. As my pension pot was modest, I was not expecting such personal attention as I wrongly assumed that only high net worth people would receive that. Chris listened carefully to my circumstances and worked with me to get the best solution. He is such a good chap I felt I did not want to let him down despite this all being for my benefit. I have already recommended him to friends and will continue so to do.

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 Chris

I contacted Chris to get a phone consultation about my past and current pensions schemes that are spread around multiple insurance companies. Chris was very concise and helpful in advising me on what my options are and which one of those he thought made more sense for my circumstances. He gave me some further advice and insight into understanding how I can make my salary contribute more to my pension plan and he repeated those points again and again as I asked questions for clarifications. What made a very good impression on me was the fact that Chris was very honest with the fact that he didn't think I needed to pay any money for any outside company to handle my financial planning at this time, and he didn't try to sell me any services that I didn't need. I was very satisfied with my overall service I received from Chris, and will certainly be returning in the future if I need more advice or more specific services as a client.

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

I was looking to the future and wanted to begin planning seriously for an early (ish) retirement. I had various pensions from previous workplaces and needed someone to help me see what it looked like in the round and give me advice on what I should do to plug any gaps so that I could retire early.

How has Chris Friel helped you?

He looked at everything I had including my existing pension, previous workplace pensions, state pension predictions and a private pension. He contacted my providers to get the most up to date forecasts and pulled all the info together. He then worked out my cashflow for different retirement scenarios showing me clearly what was achievable.

Have you seen the outcome you were hoping for?

I was pleasantly surprised by what my pensions amounted to and could see what gaps there were for different retirement ages. It helped me focus and really gave me confidence that I was going to be OK. I have since checked in with Chris with some updated information and he has again helped me see what my retirement could look like financially based on this new information. I am now looking at retiring earlier than I had previously thought but would never have had the knowledge or confidence to make that decision without Chris.

What could they have done better?

Nothing. He was really accommodating and accessible. My first appointment with him was before lockdown and we met in his office. Since then our meetings have taken place on Zoom before I start work.

Please provide a brief comment about your experience with Chris

I contacted BlueSky initially to discuss fees for financial advice regarding my pension. Chris called me back and we had a very good chat about my circumstances and the particular issues i had regarding the pension. the information and advice Chris provided was both helpful and, with regard to one particular issue, reassuring. i didn't get to discuss fees which came as a surprise to me as i have never spoken to anyone in the financial services industry that has not been looking to make money in some way either commission or charges. i don't recommend any service or goods to anyone as i believe everyone has a different opinion on exactly what a good service is, but i would say that i will certainly contact Chris again if i believe i need to discuss any financial issue.

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

Several pensions and savings accounts, wanting to get advice on getting the most out of these.

How has Chris Friel helped you?

We had a good chat and advice was offered up there and then, with follow up email comms.

Have you seen the outcome you were hoping for?

I need to plan out next steps but I am a lot clearer on how to do so.

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

I was looking for a pension review.

How has Chris Friel helped you?

We ended up discussing my full financial situation which was great. We spoke about what I should be doing with my pension, what my financial goals were with regards to my new business that I started and touched on my current investments.

Have you seen the outcome you were hoping for?

Yes. Chris's advice was clear, concise and he was extremely easy to talk to.

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

To arrange taking 25% tax free cash from my SIPP pension to fund a house purchase

How has Chris Friel helped you?

Advised and facilitated all aspects of the transfer and now manages my pension which has been especially helpful during the recent volatile market conditions.

Have you seen the outcome you were hoping for?

Yes, the outcome has been exactly what I was looking for.

What could they have done better?

No negative comments at all. Chris has advised me on my pension and other aspects of my finances for over 3 years now. Nothing is too much trouble and any questions are always answered fully and without fuss. These answers also demonstrate Chris's vast experience, professionalism and knowledge and I would never hesitate to recommend the service provided by Chris and his colleagues.

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

Looking to sell and buy a house, and was looking for advice on how best to utilise our savings and plan for the future.

How has Chris Friel helped you?

Analysis of current financial reality and detailed financial plan with useful recommendations.

Have you seen the outcome you were hoping for?

Yes

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

Independent advice

How has Chris Friel helped you?

Clear advice on all clicked areas

Have you seen the outcome you were hoping for?

Yes on pensions. Everything else is long term

What could they have done better?

Nothing we can think of

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

To make sense of our retirement finances as a couple who had both managed our incomes/savings separately. Also to set up a sustainable financial plan into our later years.

How has Chris Friel helped you?

Chris teased out all the relevant figures, and made a comprehensive analysis. This in itself was a great step forward. The route suggested by Chris , without any pressure, met our needs.

Have you seen the outcome you were hoping for?

Early days yet. However I am heartily grateful that I am not navigating these turbulent times alone, making my investment decisions on my own as previously.

What could they have done better?

Nothing.

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

I decided I wanted to take early retirement.

How has Chris Friel helped you?

Chris confirmed my understanding of my final salary scheme arrangements, but clarified a range of issues surrounding my lump sums in relation to the best way of distributing these between pension and a mix of short, medium, and long-term investments.

Have you seen the outcome you were hoping for?

It's early days yet, but yes - the advice regarding my short-term investments exceeded my expectations, and the remainder appear to be doing fine though by definition these are medium to long-term.

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

Having searched over a period of time for pension advice and guidance – I found Chris to be fully understanding of my needs and requirements for future financial security, while being consistently reassuringly open regarding the process of how my pension will be managed with regards to my attitude to risk and current circumstances.

How has Chris Friel helped you?

I found Chris extremely easy to communicate with - Financial planning is something I regard as a minefield, and I really struggled to find some I felt comfortable in dealing with. Chris has an openness and 'human' approach to dealing with me as a client that I found refreshing as well as reassuring. I am also in no doubt of his professionalism and attention to detail and huge wealth of knowledge in many financial matters. Always contactable – and always responding to communications in a timely and informative manner – I feel that Chris provides a very personal service where my queries or concerns have been understood and discussed with me either via email or a simple phone conversation. Basically Chris makes me feel very comfortable when discussing my investments - even during recent turbulent times. His measured, understanding and responsible attitude to clients ensures I feel that he has my interests in good order and under constant review.

Have you seen the outcome you were hoping for?

With regard to how my pension investments are being managed and monitored - definitely! With regard to communication and accessibility - absolutely! This is exactly the kind of service I had been looking for, extremely professional - but equally personal.

What could they have done better?

N/A

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

~I was getting close to retirement and wanted to know what to do with my pension pots, I had 2 very different work pensions and wanted to know what was best for me

How has Chris Friel helped you?

Chris, talked with me and got me to explain my circumstances and the options that were available to me, he was very open and thorough with his descriptions and explanations, he was not directive and "pushy" but patient and very aware of my concern and worry about my predicament but his explanations and charts and diagrams were graphic and very explanatory. Chris was always honest and clearly pointed out issues and advantages where appropriate

Have you seen the outcome you were hoping for?

I have had my first annual review and considering the situation we are in I have seen my portfolio do ok less then expected but based on the financial impact of covid that Chris explained I am happy with the performance and really happy with Chris's explanations.

What could they have done better?

I have had a really good experience with Chris throughout, I was someone with very little knowledge or understanding about retirement and pensions and everything was made clear and was set in diagrams I could clearly understand, so from my point of view nothing could have been improved upon.

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

I reached sixty years of age and my pension forecasts gave me the impression i would have to work another ten years before i could safely retire. By various routes i met Chris Friel and his advice and thoughtfulness allowed me to choose a different path which i am now happily on.

How has Chris Friel helped you?

I'd like to thank Chris Friel for his dedication, commitment, and most of all the time he has given me over the past few years. Without his help and management of my financial affairs I wouldn't have been able to retire when I did and live the lifestyle i wanted. He is always on the end of the phone or contactable via the Internet when required. He listens patiently and advises me professionally. i couldn't ask for more and I wish him and his family only the very best.

Have you seen the outcome you were hoping for?

Yes, the time and commitment Chris has given me has allowed me retire and enjoy a lifestyle I didn't think possible. This is all down the Chris, and my thanks goes out to him.

What could they have done better?

I don't think there is a lot more he could have done. In an ideal world he could have provided dancing girls and a limitless supply of Guinness, but that would have got boring eventually and most probably quickened my route to the cemetery. I'm more than happy with the way things have gone.

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

Current IFA went into administration

How has Chris Friel helped you?

He was previous contact at Standard Life Wealth

Have you seen the outcome you were hoping for?

Yea

What could they have done better?

None, maybe check on my financial status reference Covid.

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

I was looking for advise on the right investment strategy for my pension pot to ensure I have enough money to last as I have retired early because of my health

How has Chris Friel helped you?

We reviewed the strategy being followed by the current administrator. He has put together data for me to review and we have a plan for the future

Have you seen the outcome you were hoping for?

Not yet as the plan has not been implemented yet due to current COVID market

What could they have done better?

Nothing, Chris has provided information in a straight forward understandable format.

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

I decided to move to a SIPP, Chris was my financial advise at Standard Life and when he set up Blue sky I was in no doubt that his ongoing advise would be beneficial to me

How has Chris Friel helped you?

Explains clearly and concisely when we hold our review meetings

Have you seen the outcome you were hoping for?

Covid has impacted on the current overall position, but the underlying performance Looks positive

What could they have done better?

For me I would have liked to have met Chris 10 years ago, his advice would have been very valuable to,me,

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

I'm single with no family and my investments & savings will fund the majority of my pension and end-of-life care requirements.

How has Chris Friel helped you?

Chris analysed my assets, requirements and personal finances meticulously and delivered a comprehensive overview of my situation and the scenarios I might expect going forwards. He provides me with ongoing updated advice and suggestions covering all aspects of my financial situation, explaining everything in detail in plain language and ensuring I have fully understood. He demonstrates in-depth and broad-range knowledge in and familiarity with all aspects of his business. I always feel he is genuinely interested in me as a person.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't think of anything Chris could do better for me, I have complete confidence in him.

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

To get the best from my pension on retirement.

How has Chris Friel helped you?

Talked me through all my options and gave clear, reasoned advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing comes to mind.

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

Initially for advice on transfering my company pension to a personal pension. Chris became involved after that decision was made and began advising on how to invest the new pension pot to achieve the returns necessary for me to retire at an early date with an acceptable monthly sum.

How has Chris Friel helped you?

Chris advised on how to invest the pension pot so that it could accrue the required funds while taking only the amount of risk that I was comfortable with.

Have you seen the outcome you were hoping for?

Yes, even in the difficult times of the pandemic, the pension has been well managed

What could they have done better?

There is nothing that I can think of at present - Chris is easy to contact and maintains contact with improtant updates as and when they become necessary.

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

Leaving my final pension salary from work

How has Chris Friel helped you?

I have dealt with Chris from the onset of leaving my works pension, I have built up a good relationship with him. Chris has explained the running of my pension in a clear way he has also helped me in with other things, and if he doesn’t know something he will find out off others who specialise in that area.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I have no complaints with how Chris has managed my pension

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

Impending retirement and needed to plan accordingly.

How has Chris Friel helped you?

Chris did an amazing job setting out all my options, with the pros and cons plus variables in each. We worked collaboratively and Chris went to great lengths to really understand what my retirement meant to me. He set everything out very clearly, and in plain language. I felt totally engaged in the process and supported to make good sound decisions. I felt Chris was very professional, personable and genuinely interested in facilitating a good outcome. His knowledge on all aspects of pension planning was excellent.

Have you seen the outcome you were hoping for?

Yes, absolutely! I’m now very happily retired with a robust financial plan in place.

What could they have done better?

Nothing at all...Chris was really organised, knowledgeable, diligent, friendly but professional. Really taking time to understand the client is what makes Chris and his firm stand out from the crowd.