Marco Turrent

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

Financial planning and investments advice

How has Marco Turrent helped you?

Helping me to put my reasons for wishing to invest in context to help decide on the best 'pots' in which to allocate these given the time horizon for achieving my goals - the whole process was quite enlightening and has proved to be very useful

Have you seen the outcome you were hoping for?

I have only recently moved my investments recently but they appear to be performing exceptionally well and I am paying far less as compared to where I held them previously. I am very happy with the advice I have received - thank you.

What could they have done better?

Absolutely nothing

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

Pension planning

How has Marco Turrent helped you?

Super helpful … made everything very clear

Have you seen the outcome you were hoping for?

Not been working together long enough to see major change

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

My boss recommended I should get advice on planning for the future

How has Marco Turrent helped you?

He has spent time with me going through all the finer details, nothing was too much trouble and he explained everything so clearly

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?

Current provider was very expensive and was getting closer to retirement age.

How has Marco Turrent helped you?

Marco has helped me a great deal and explains things very clearly.

Have you seen the outcome you were hoping for?

Yes better than hoped.

What could they have done better?

Nothing

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

Change in role meant I needed to get serious about my finances.

How has Marco Turrent helped you?

He has helped me to understand my financial projection so I feel safer - and did so at my pace.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nil

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

Advice on the performance of my investments

How has Marco Turrent helped you?

Marco helped me to define my financial objectives and to plan how best to save and invest in line with these.

Have you seen the outcome you were hoping for?

I am really grateful to Marco for the time that he has spent with me as someone in the early years of their investment journey. I am confident in the direction that we have outlined and appreciate the tax planning element of the financial plan that has been built.

What could they have done better?

Nothing

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

I have been a client of Marco's now for a number of years having initially sought advice on pensions and investments.

How has Marco Turrent helped you?

Marco helped me to improve the performance of my investments at the same time as reducing associated costs. He also helped us to build a financial plan for our family - taking into account our concerns around paying for school and university fees as well as early plans for retirement. Marco has assisted this year with both sets of parents with inheritance tax planning which we have all been very grateful for. It has made what might otherwise have been difficult conversations become practical decisions like any other whilst at the same time being sensitive to the needs and wishes of all involved.

Have you seen the outcome you were hoping for?

Yes. Not only has the performance of our investments been exceptional but with Marco as an advocate for our family financial objectives we have made considerable progress by being more mindful in our spending, saving and general awareness when it comes to tax planning. We have been very happy with the results!

What could they have done better?

Absolutely nothing more could have been done. Marco is genuine, passionate and kind.

Please provide a brief comment about your experience with Marco

thoroughly recommended

Please provide a brief comment about your experience with Marco

Marco was really helpful. Firstly, a very prompt and professional response to my enquiry. He also spent 30 minutes getting to understand my situation and explaining what I need to think about. All in a very supportive way.

Please provide a brief comment about your experience with Marco

Knowledgeable, very helpful and didn't judge !

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

Change in financial circumstances

How has Marco Turrent helped you?

Future planning, and general financial guidance

Have you seen the outcome you were hoping for?

I’m very happy with Marco’s suggested plan and advice to date

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

life changes

How has Marco Turrent helped you?

with everything financial

Have you seen the outcome you were hoping for?

yes so far

What could they have done better?

nothing

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

Recent change of job led to a desire to maximise financial opportunities.

How has Marco Turrent helped you?

comprehensive review of current financial position and clear advice on tax efficient saving and investing.

Have you seen the outcome you were hoping for?

Early days, but I am confident in the advice received

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

Help with financial planning and improving my investment returns

How has Marco Turrent helped you?

Marco has helped with so much more than I had anticipated! He has helped me to formulate a long-term financial plan that feels attainable; better manage my tax situation and advised on investment management.

Have you seen the outcome you were hoping for?

I am very happy with the service received and with the outcomes to date.

What could they have done better?

Nothing

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

I have been a client of Journey for a few years now but initially sought advice on how to better manage my investments and developing a coherent long-term financial plan for my family, with particular reference to funding my children's education and tax planning - ensuring that we were making the most of tax allowances and reliefs.

How has Marco Turrent helped you?

Marco is perceptive, approachable and extremely knowledgeable. He has taken time to fully understand our family circumstances as well as our wishes for the future and helped us to plan accordingly. I feel confident in our financial future and very well educated now on the global financial context within which our investments operate. I take enjoyment in our conversations at each financial plan review and find these very empowering.

Have you seen the outcome you were hoping for?

Absolutely and more! We are in a far better position financially. As high earners we have been able to make the most of tax planning opportunities identified by Marco and can already see the very real benefit of the guided actions taken to build our various investment pots and the financial planning we have done with Journey.

What could they have done better?

Nothing

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

I was looking to get the best return on my pension savings and get a clearer idea on what to do with other savings too.

How has Marco Turrent helped you?

Marco is very human and approachable - he took time to understand my goals (which I thought were unrealistic considering my age now, desired age at retirement and current savings). Once we'd talked that through, he came up with a plan showing my current and projected assets, clearly detailing how I can achieve what I'm hoping to achieve and the timescales involved. It was all put together in a report and he clearly explained each section to me. I really love the company's model - although I don't have a huge amount to invest, I feel my custom is valued by Marco and he made himself completely available.

Have you seen the outcome you were hoping for?

It's too early to say what the returns will be, but I'm so happy that I got in touch with Marco. He's now managing my pension and I honestly couldn't be happier with the service. Hugely appreciated and definitely very highly recommended.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Marco

Macro was very patient and clear in his advice and services that he can offer during our introduction sessions. He reassured me that his approach was based on a long term relationship built on trust and access. He remains extremely accessible and has put my mind at ease that my family's financial planning is in good hands.

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

I was approaching retirement and with other personal commitments wanted to know when/if I could retire.

How has Marco Turrent helped you?

Marco looked at my various pensions from past employers along with current investments. He then advised the best way forward to ensure I could retire comfortably.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Marco has provided everything that I wanted, and more. Initially he listened to what I wanted, asked the right questions to get the relevant information from me, assessed all my pensions and investments and provided the best advice going forward to ensure that I have a comfortable and secure retirement. We have regular reviews and assessments of investments and I know that he is always there in between if I have any queries. I can't think of anything he can do better.

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

plan for the future

How has Marco Turrent helped you?

advising on the most tax efficient ways of saving for our future retirement

Have you seen the outcome you were hoping for?

yes

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

Approaching 60 and moving to work on a part-time basis

How has Marco Turrent helped you?

Financial planning for retirement inc pension and investments. Also queries on my tax return

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really

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

I needed to consolidate my Pensions and Marco came highly recommended

How has Marco Turrent helped you?

He has bee very efficient and helped find a significantly better performing platform for my pension

Have you seen the outcome you were hoping for?

Yes definitely, Marco made the process extremely easy and painless

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

I reached out to Marco when I maxed out my pension contributions and didn't know how to proceed with my pension contributions.

How has Marco Turrent helped you?

Marco helped building a long-term financial plan, taking into account projected earnings and expenses, and by handling a lot of the associated bureaucracy.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Not much, really. Communication was great and and the result was very good.

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

I was recommended by a friend and I wanted to plan better for retirement

How has Marco Turrent helped you?

100% absolutely

Have you seen the outcome you were hoping for?

yes.. .my planning and the realization of that plan is showing progress.

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

How has Marco Turrent helped you since your last review?

Based on my goals and risk level, Marco has helped me to organise my finances and guide on what platforms to use. He’s helped me manage my pension/s and liaised with HMRC on my behalf so I could be confident everything was done correctly. More than anything, Marco has been at hand to provide guidance, answer any questions and offer advice when needed. It’s this complete peace of mind that I find invaluable.

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

Needed an overall appraisal of my finances and advice on which way to turn.

How has Marco Turrent helped you?

Marco provided a thorough review of my situation and made sensible, practical recommendations. I trust him and his judgement. He is also very approachable and knowledgeable.

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?

We were looking to build a portfolio of investments with purpose and needed advise on tax planning alongside this.

How has Marco Turrent helped you?

Marco has given us excellent guidance and advice. He has shared with us a full cashflow analysis; keeps us regularly updated on the performance of our investments and market movements; as well as advising us on how best to structure our finances for the purpose of minimising the amount of tax we pay. Marco has also spent time recently looking at different estate planning scenarios for passing on an inheritance within the family.

Have you seen the outcome you were hoping for?

Absolutely. I have pleasantly surprised about how much more that Marco has been able to help us with beyond our initial concern which was to consolidate pensions and plan for school fees.

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

How has Marco Turrent helped you since your last review?

Marco continues to review the performance and suitability of our investment portfolios and to offer advice on estate planning and wider tax planning issues which we have found enormously helpful and informed.

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

How has Marco Turrent helped you since your last review?

He has helped us with further investments.

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

How has Marco Turrent helped you since your last review?

Marco continues to help keep my finances healthy while I am working abroad for a few years - this has been invaluable.

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

How has Marco Turrent helped you since your last review?

Ongoing advice on managing our pensions and mortgage.

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

We were looking for someone to manage and grow our income

How has Marco Turrent helped you?

Setting up a pension contribution and ISA

Have you seen the outcome you were hoping for?

Yes

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

How has Marco Turrent helped you since your last review?

He has kept in touch regularly making sure that my investments are still in line with my needs, and offering any advice that I need

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

Most often you see people retiring late, and not able to enjoy the retirement they spent their whole life preparing for. So me and my husband would like to put a plan in place to be able to retire young and so we are still able (and have energy) to do things we would love to do! We needed to speak to Marco to help us put a plan in place!

How has Marco Turrent helped you?

Me and my husband have different take on financial freedom and attitude towards money. Despite this, Marco is able to work with us together. He listen to us well and really help us work through those concerns constructively. Marco listens, absorbs and then propose a solution that we both would say- Yeah, that makes sense. He is so knowledgeable about the market, he is honest and think outside of the box!

Have you seen the outcome you were hoping for?

So far, we are happy with the plan that was put in place!

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

I needed some advice and guidance on what to do with my finances now in order to achieve certain goals in the future.

How has Marco Turrent helped you?

Marco reviewed my financial situation at the time and drafted a complete financial plan for me, up to when I am planning to retire. He advised me on how much money to save per month, where to invest my money and how much pension I should have to be able to maintain a comfortable lifestyle after I retire. He advised me on the best solutions to ensure that I am not paying too much tax. He was also able to connect me with a company to set up a Will & Testament as well as life cover. Marco also checks up to ensure that I am still staying on track to meet my financial goals and updates my plan as circumstances change.

Have you seen the outcome you were hoping for?

I received the outcome I was hoping for and so much more.

What could they have done better?

I really cannot think of a single thing that could be improved. I have really had outstanding support, service, advice and guidance from Marco. Everything was straightforward and seamless from the start with scheduling of meetings, creating a rapport, reviewing and signing documents, having a clear plan that I can follow and keeping track of progress to reach all my financial goals. I have been so impressed with the service that I have recommended Marco to a few of my colleagues.

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

I had a previous financial planner, who I felt was not communicating or active enough especially through the early months of the pandemic

How has Marco Turrent helped you?

Marco had been totally different, he took time over several sessions to explain my finances, discuss where I was now and could be in the future and set up a new plan.

Have you seen the outcome you were hoping for?

Marco has been proactive in keeping in touch with regular catch ups to agreed timeframes, although I always know I can message him and set an appointment at any time.

What could they have done better?

No. I’m really happy so far

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

I needed some expectation setting and some advice as I believed I was behind on planning. Understanding what I wanted to achieve in my future, it was important to have an honest conversation on how I could get to where I wanted to be at retirement.

How has Marco Turrent helped you?

He listened first and foremost. Asked the right questions and reassured me where I thought I was underperforming. He brainstormed with me, set my expectations, worked with the 'emotional' part of life (that works in tandem with the financial!) and created a plan that was both realistic, ambitious, but achievable.

Have you seen the outcome you were hoping for?

I'm just at the start of my action plan but Marco put the right effort into advising me and guiding where I can go: I can only see improvements to the plan on the horizon.

What could they have done better?

Marco was exactly what I needed. Non-judgmental, helpful, informative, provocative and encouraging. You want a financial planner in your corner and I felt like I was the only client at that time. I can only offer praise: I was that impressed!

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

I was looking to be a bit more savvy with money and prepare better for my future

How has Marco Turrent helped you?

We talked through my goals, options available and my pension. Marco explained everything in a clear and concise way. I've never spoken to a financial advisor before and was concerned it would be complex and confusing - Marco ensured it was anything but this.

Have you seen the outcome you were hoping for?

Yes - I have a plan in place and feel confident in the decisions made

What could they have done better?

N/A

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

Needing advice on whether my financial position supported me moving to part-time working

How has Marco Turrent helped you?

Created a retirement plan; reviewed by current investments; set me up on an investment platform and transferred funds - ISA, pension, GIA

Have you seen the outcome you were hoping for?

Its to be confirmed since we are only in the early days having just set up the investments

What could they have done better?

At the moment nothing significant comes to mind

Please provide a brief comment about your experience with Marco

Two years ago I wanted to leave my long-term employment and fulfil my dream of starting my own business. Marco worked patiently with me to calculate my current (and future) expenses, assess my discretionary spending, and understand my current investments. That enabled us to plot a lifetime chart of outgoings against income. We then added a cautious estimate of income from my business. Marco then challenged me with a more conservative estimate. The results gave a clear understanding of my financial position and confidence to proceed with my plans. The past year has been more challenging than anticipated, but that exercise has given me peace of mind to know that I should not panic, and I could continue with my plans and ride out the turbulence cause by the pandemic.

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

We were looking for advice on consolidating various workplace pensions accumulated over the years and how to ensure that our finances were structed in the most tax-efficient way possible for the future. We were also keen to establish JISAs for our children.

How has Marco Turrent helped you?

Marco is extremely approachable; quick and willing to answer all questions (which he does in a clear and intelligible way); and really does go above and beyond to make sure that his clients are happy. Marco has transferred my husband's pensions into a portfolio of funds that is appropriate for our attitude to risk. Having been through the exercise to determine what we is, coupled with the value of Marco's expertise, we have absolute confidence that this money is invested in the best possible place. We now have a robust financial plan in place that is updated at regular interviews - I have found the visual representation of our various 'pots' of money over the years to be really useful and it has given both of us considerable peace of mind. Marco has set up a JISA invested at a different risk level - as appropriate - for our children. We are thankful for the regular updates, open door policy for queries, and for always being greeted in such a genuine and friendly manner (even Zoom meetings are a pleasure) - thank you Marco!

Have you seen the outcome you were hoping for?

We have been very happy with the performance of our investments so far.

What could they have done better?

Absolutely nothing - we are very happy customers!

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

We needed some professional advice regarding a range of different pensions accumulated over our working careers.

How has Marco Turrent helped you?

Marco has been excellent in consolidating all the information and presenting it in a very clear and concise manner. The range of options he developed have been really useful to enable us to plan for both the short and longer term. The transfer of funds process has been very straightforward with Marco managing all of this and his constant communication has been excellent.

Have you seen the outcome you were hoping for?

Yes absolutely

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

Children soon moving into University/ Higher Education and making sure we have funds for this and also to know we have funds for retirement in the future.

How has Marco Turrent helped you?

Marco advised on options of having a Pension, an ISA for higher education, maximising the current Pension that the main earner has at present.

Have you seen the outcome you were hoping for?

So far we have seen the outcome, but it is also early days as we have to wait for a year to analyse the outcome.

Please provide a brief comment about your experience with Marco

My experience with Marco was very professional, he was very friendly, very kind and above all very helpful in advice me what would be the best scenery for all my financial situation in the future, giving me a few options in order to have a more clear views within these options which I meticulously been having a deep thoughts about as it is difficult to make decisions when we have to move out of our comfort zone. I considere Marco is a very professional as I mention above and honest for the reviews and recommendations, he is in what for my point of view in a very solid trustworthy Company which have and follow all the rules and regulations implemented by the FCA which give me even more confident to possible investments in the future, Thank you very much Marco

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

I looked for a financial adviser as I had moved jobs and wanted to ensure I had a good retirement plan set up via a private pension. I also wanted to ensure my savings were working smart while interest rates are so low.

How has Marco Turrent helped you?

Marco was absolutely fantastic. He explains things in every day langauge and started with the outcome in mind. Marco asked me where I needed to be in 30 years and we worked backwards from there looking at pension plans, savings and mortgage. He is also a realist, he looks at the whole picture of your life and how your finances can work to support that. Finally Marco helped me with the confusion that can be the UK tax system. Marco is knowledgable and approachable, I feel like I am in safe hands when we speak about money. I would recommend without hesitation.

Have you seen the outcome you were hoping for?

Yes! I was able to achieve my short term goals for the year in 2020 and feel that I have a good set up for my mid-long term goals. I have a low risk approach to finance and Marco was able to find investments that match that whilst still having my money work smart.

What could they have done better?

Nothing, this is a great service and I hope to be a client for many years to come.

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

Too many things to handle and wanted consolidation and an expert view and management of our finances. Not sure if it's Pensions transfers specialist or non specialist - not sure what that means!

How has Marco Turrent helped you?

Explaining our financial situation and realistic goals in a way that no one ever had before and making it much clearer. Guiding us through the

Have you seen the outcome you were hoping for?

Early days!

What could they have done better?

Don't see what!

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

Lack of financial planning in my career building up to retirement.

How has Marco Turrent helped you?

Marco has provided clarity as to suitable financial planning, with clear, accurate and objective advice. Marco has helped me to execute on our strategy, including gathering up the pensions collected in different countries over the years. Excellent all-round.

Have you seen the outcome you were hoping for?

Yes! Marco has helped me put order in my finances.

What could they have done better?

N/A

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

Our previous adviser had overlooked an important issue.

How has Marco Turrent helped you?

He carried out a thorough review of our financial status, current and future needs. He then produced an illustrated report indicating where we are and what future options are available. He presented things in a simple jargon free way. He then set out a range of options for us to consider. His independent status was a positive. His projections were conservative. We did not feel we were being sold particular products. He assisted us in making a series of changes in our financial plans changing a number of investments including pension funds.

Have you seen the outcome you were hoping for?

Despite the economic uncertainty that covid has brought the plan is going as expected, if anything a little better. We have reviews to track progress which is reassuring.

What could they have done better?

Nothing.

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

I was approaching retirement age and had various pensions from old employers. I wanted to know my pension / retirement options and make things simpler to understand and feel more in control.

How has Marco Turrent helped you?

Marco looked at all my previous and present pensions and advised how to get the best from my pensions as well as consolidating them so that I didn't have various pensions to keep track off. By consolidating them I benefited financially as well as having more control of how I used them alongside my savings. He also advised on tax efficiency.

Have you seen the outcome you were hoping for?

Yes definitely. I have now retired with confidence and security.

What could they have done better?

Nothing! I couldn't have asked for a better, personal service and honest advice that I trust completely. I can't recommend Marco and Journey Invest highly enough. They look at what's individually best for each of their clients.