Harj Gill

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

At the age to consider retirement

How has Harj Gill helped you?

Explained how the pension system works and aided with transferring into a private investment policy

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, happy with all of Harj advice

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

I decided to look at getting an advisor as my financial circumstances had changed due to leaving work and inheritance from my parents. Harj was recommended by a friend who had been extremely pleased with his help and advice.

How has Harj Gill helped you?

Harj has supported and helped me through a difficult part in my life where I left my job - giving me advice and guidance regarding pensions, tax, answering questions and advising on the best investment to suit my needs He was very patient when I took a while on decisions and go my head around everything. Harj is excellent at explaining things so that I fully understood everything.

Have you seen the outcome you were hoping for?

Yes I have through Harj's support and advice I have now invested and am pleased at the route I have taken and feel confident that this investment suited my needs and my level of anxiety related to risk

What could they have done better?

Harj was a great communicator and always answered my questions in great detail and swiftly - he never made me feel pressured when I took a long time to decide on things - there is nothing that he could have done better

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

My previous advisor could not help with pension transfer.

How has Harj Gill helped you?

Harj spent a lot of time providing and explaining a process which my previous provider was in able to do. His knowledge around pensions is vast a thorough and made me comfortable with what I was trying to achieve.

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing. Harj helped in pushing the process through as quick as possible.

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

I needed help transferring my pension to my daughter,

How has Harj Gill helped you?

He helped me find the appropriate company and did the necessary paperwork.e

Have you seen the outcome you were hoping for?

So far, so good.

What could they have done better?

Everything was explained clearly.

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

My role was made redundant and I was close to being able to take my pension. I wanted to understand the options available to me to safeguard my and my family's financial future.

How has Harj Gill helped you?

Harj helped me gain a range of advice so I could weigh up the options. He always came with a range of scenarios, some of which were complicated but he helped to explain them in simple terms. He has also been proactive at looking at future tax implication based on my forecasted financial security.

Have you seen the outcome you were hoping for?

So far, so good. Retirement planning is a long term game.

What could they have done better?

Nothing really

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

We wanted to simplify my father’s finances and ensure his money works efficiently whilst providing sufficient flexibility to accommodate sudden calls on funds.

How has Harj Gill helped you?

Harj took a lot of time at the outset to understand dad’s circumstances and requirements and has succeeded in designing an managed program which satisfies all dad’s objectives. We have benefited hugely from Harj’s experience and particular expertise in dealing with finances for the elderly. We are very happy with the pace the work has been undertaken which has allowed plenty of time to consider the various options and choose those that suit dad best. Communication has been excellent, Harj has always been very careful to take things forward at a pace to suit dad and is swift to respond and to follow up.

Have you seen the outcome you were hoping for?

The process is still ongoing. Already financial matters have been significantly simplified and well invested which were the two key objectives of the exercise.

What could they have done better?

I am completely satisfied with the work undertaken so far.

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

As I approached 55 I felt I needed some specialist advice with regards looking at my several pension plans and seeing if they could perform any better in the remaining years I have left at work.

How has Harj Gill helped you?

I met with Harj and spoke with him regularly over the phone and via email and after looking at my plans offered his advice on what would be a better course to take going forward. Nothing was too much trouble for him and when there were aspects of the finances I was unsure of Harj responded to my questions promptly and offered explanations in layman's terms that someone who is not well versed in the finance world would understand.

Have you seen the outcome you were hoping for?

It's too early to say with regards long term planning but everything that was set out initially ran very smoothly and with no trouble at all. I was very impressed and look forward to working with Harj again in the future on other aspects of our long term financial planning.

What could they have done better?

Absolutely nothing.

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

I had a sum of money invested in a Nutmeg ISA and I was not happy with the performance. I also wanted help with financial planning.

How has Harj Gill helped you?

Harj has arranged for our investments to be transferred into a fund with better historical performance, He has also validated our existing financial plan and has presented additional options to consider

Have you seen the outcome you were hoping for?

It is too early to tell if I have achieved the outcomes I am hoping for as this is a long term partnership. So far I am very happy with the advice and keen to continue building a working relationship with Harj.

What could they have done better?

Nothing that I can think of.

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

Increase drawdown

How has Harj Gill helped you?

He did it efficientley

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?

Low return on company pension Simply not performing

How has Harj Gill helped you?

Harj spent time explaining all the options and made sure I understood everything so I could make decisions armed with all the information Having met Harj I am now confident that my pension investments are in safe hands and will be actively managed. Any questions I only have to ask.

Have you seen the outcome you were hoping for?

Pension transferred so yes! I will update next year when I’ve seen how my pension performs

What could they have done better?

Nothing All has gone smoothly

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

Wanted to cash pension.

How has Harj Gill helped you?

Help in Transferring the pension.

Have you seen the outcome you were hoping for?

Yes! Pension was transferred and invested.

What could they have done better?

Reduce their charges.

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

As I'm getting closer to retirement I wanted to discuss and review where I'm at with regard to my finances for retirement.

How has Harj Gill helped you?

The advice and calculation on pension carry forward & cashflow forecasting were very welcome. Also the advice regarding wills and POA we will now look to put in place.

Have you seen the outcome you were hoping for?

I found it useful to appraise my situation.

What could they have done better?

Not sure.

Please provide a brief comment about your experience with Harj

Harj has been a pleasure to work with from the onset.

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

My husband

How has Harj Gill helped you?

His advice

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?

Retirement

How has Harj Gill helped you?

By using his knowledge

Have you seen the outcome you were hoping for?

Getting there

What could they have done better?

Nothing that I know of

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

Paying retirement home costs for a parent

How has Harj Gill helped you?

Harj identified a suitable way of meeting a shortfall in care costs (purchasing a care annuity. He identified a suitable annuity and arranged purchase of the annuity.

Have you seen the outcome you were hoping for?

Yes

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

To sort my pension out.

How has Harj Gill helped you?

He's got my drawdown up and running.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Don't know.

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

I initially contacted Harj through reviews I had read on a financial advisor site.

How has Harj Gill helped you?

Harj has worked very hard, often in his own time, to try to secure a mortgage or push through a life cover policy, or researching the best options for me. Because of his hard work, it has provided with some peace of mind to get on with my own work. I do feel a little guilty when I get emails and responses late into the evening when he has been trying to tie up an issue or complete a task. It is likely we will venture into other areas such as inheritance planning as time goes on.

Have you seen the outcome you were hoping for?

Yes, very much so. Harj has worked very hard and over and beyond to help me in quite a few areas of finance. Initially this was with financial planning and investment and more laterally securing mortgages at a very difficult time and arranging life cover policies and income protection also.

What could they have done better?

I, honestly, Cannot fault Harj. He will work incredibly hard to deliver what has been discussed and agreed.

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

I wanted to transfer the benefits of my expired AVC to my daughter.

How has Harj Gill helped you?

He has shown me the best way to do the above and has fixed me up with Elevate.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All was good.

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

Moving a pension

How has Harj Gill helped you?

He explained our options and guided us at all stages, he made everything straightforward, we never had a problem and everything was completed without a hitch , thank you

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything was perfect

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

Redundancy and early retirement initially then knowledge of outcomes for making most of pension pot

How has Harj Gill helped you?

Helped transfer pension into SIPP then changed funds to improve returns

Have you seen the outcome you were hoping for?

Yes, subject to the market of course

What could they have done better?

All good so far

Please provide a brief comment about your experience with Harj

Extremely efficient in clarifying my needs and providing a quote however as my enquiry was only relating to a relatively small amount from a private personal pension the costs for advice were too high in comparison so I had to go elsewhere for advice. This would not put me off dealing with Harj again as he was very pleasant and helpful

Please provide a brief comment about your experience with Harj

We were in an absolute panic about my father’s care and finances: Harj’s expertise and kindness were hugely reassuring and he steered us safely through the murky waters of funding and finding a good care home. He took us through the various options and was pro-active as well as very responsive throughout.

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

Review Pension

How has Harj Gill helped you?

Sorted it out

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don't Know

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

I became aware that older personal pensions taken out much earlier in my career were inflexible and poorly performing.

How has Harj Gill helped you?

Harj review my existing personal pension policies some of which were clearly outdated and offered poor growth. These included sums contracted out from SERPS and older workplace related schemes. This review seemed thorough and inevitably took time. He recommended a consolidation into a single platform portfolio through Aviva which then allowed investment through various fund managers. Whilst it appeared that the fees for the review process, consolidation, and then ongoing management were high, this has been far outweighed by the growth the portfolio showed both prior to and during the pandemic. It transformed the sums held enabling me to consider early retirement, something I had not thought feasible only a few years earlier. Harj helped review my plans to commence retirement, including access of a portion of the plan for the lump sum which paid off balance of mortgage and other loan, and creation of a regular moderate monthly pension drawdown payment. All processes took a little time as back room teams reviewed his recommendations and processes to ensure regulatory compliance, and that it was appropriate for my needs. Subsequently there is an ongoing annual review process with Harj available if my needs were to change in the interim.

Have you seen the outcome you were hoping for?

Harj's involvement transformed my personal pensions to the point where I could afford to take early retirement, something that would have been inconceivable even 5 years earlier.

What could they have done better?

Difficult to say. I could argue for a lesser fee, but value for money is much more important than cheapest is best!

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

Possible house changes

How has Harj Gill helped you?

Harj was recommended to me by a friend and it has been a real pleasure to meet him and have him advise me with my finances - especially gaining such clear and easily understood information with specific reference to pension drawdown and equity release. His knowledge and expertise has been excellent. From my initial call to him, he has been courteous and professional throughout. He always responds in a timely manner and I feel like a valued client. I would have no hesitation in recommending Harj's services to any of my family or friends.

Have you seen the outcome you were hoping for?

Ongoing

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

My Accountant when I was in the process of selling a property and was undecided what to do with The proceeds of that sale.

How has Harj Gill helped you?

Harj has continued to keep in touch with me via telephone calls and meeting.

Have you seen the outcome you were hoping for?

Yes even though the Economy has had its problems.

What could they have done better?

I really can’t think of how Harj could have improved on his service .

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

Transferring of pension and advice on finances.

How has Harj Gill helped you?

His company appointed another company for the transfer of pension to a pension company.

Have you seen the outcome you were hoping for?

Yes I have wealth Platform where I can view all my accounts about pension and other investments.

What could they have done better?

Don't know

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

At 55, I wanted to release 25% from my pension pots to clear my remaining mortgage.

How has Harj Gill helped you?

On reaching 55 years in March, I decided to use the opportunity to get 25% tax free cash release from my pensions to pay off my mortgage. After initially trying to navigate the procedure myself through the Pension Wise website, I realised I needed financial help to achieve my goal. I saw Sandringham offering their services on the website, so I contacted them by email. Harj Gill subsequently called, and I briefed him the rough outline of my plan. Harj was clear and concise from the outset of the opportunity I had to plan out my later years and I felt comfortable enough to accept a first meeting at my address. From this meeting I instantly felt at ease and in the right hands to not only get the funds required to pay the mortgage, but to then get my overall financial position in good order based on my circumstances. The information required and the questions that needed answering took time and deliberation, but the time was well spent, and I got from the meeting clear path options and a good understanding of where I was and where I needed to be. Harj was quite faultless in him explanations from start to finish, with “layman’s terms” on hand when required. I decided on certain answers and decisions he required, then had a further meeting at home to conclude my financial position and agree to terms and costs from Sandringham. Harj consolidated my various pensions under a new company. The funds were paid to my account and my mortgage paid off. The remaining 75% is now with a reputable company and I have access to Sandringham’s Wealth Platform to check on my financial performance as and when needed, and I am continuing with their financial guidance. Overall, I feel Harj has worked extremely hard on my behalf, given sound advice, has presented it very well, and with clear indications of their costs. I made the right choices, at the right time, with the right help. Anyone requiring advise on their pension, or are planning for their retirement, look no further than Sandringham. Grahame Partridge.

Have you seen the outcome you were hoping for?

Yes, and with Harj’s guidance got much more than anticipated.

What could they have done better?

In all honesty, there’s not anything I can add at this stage.

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

I wanted to release my from my pension.

How has Harj Gill helped you?

I am absolutely impressed by with the service I received from Harj Gill regarding consolidating my pensions. The expertise and attention to detail with which he has handled my financial affairs could not be faulted. I have been trying for a few years to sort out my pensions and wasted a lot of time with a couple of other financial advisers who did not complete the task and never kept me updated. So, it was a breath of fresh air when I found the contact details for Harj on Pension Wise. From the first contact he was so friendly and professional. He organised a meeting promptly at time suitable for me and if he was unable to make an appointment or was going to be late, he would let me know. He was truly interested in my needs, circumstances, preferences and gave great advice. He always explained everything thoroughly and I never feel uncomfortable asking questions or expressing my opinion. He answered all my questions fully and in a manner I can understand. It took a while for my pension consolidation to be sorted as my previous pension company were difficult to deal with and kept delaying things, but Harj was so patient and saw it through which I really appreciate. He constantly kept me updated via email, phone calls and meetings. With my previous pension I was not able to do pension drawdown which I wanted to do so I can do some house renovations. My dream was always to convert my attic into a walk-in-wardrobe and by Harj arranging for my pension to be consolidated into a new investment I am finally able to do this. He made my dreams come true. I have no hesitation in recommending his services with complete trust and I look forward to a continued relationship with him.

Have you seen the outcome you were hoping for?

Yes I have now received the money I required from my pension.

What could they have done better?

I can't think of anything he could improve on as he is so professional and pays attention to every detail.

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

How has Harj Gill helped you since your last review?

Harj has Consistently updated me on my investment, and advise about whats happening in the market.

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

To weigh up my options about my pension income

How has Harj Gill helped you?

To advise about options available to me

Have you seen the outcome you were hoping for?

It is an ongoing process

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

I was investigating the feasibility of retiring early and making a judgement on the wisdom of doing so.

How has Harj Gill helped you?

Having decided to look into the feasibility of taking early retirement I approached a number of financial advisors and ran my pension and retirement plans by them. I decided to go forward with Harj as he was the keenest and most willing to spend some time talking to me without any commitment having been made. A face to face meeting was easily arranged at my home. During the meeting Harj explained how my plan would work in practice, and answered my many questions. He then took away detailed information and figures to produce a report. The report included detailed number crunching and projections and gave me confidence to proceed. At all stages of the process Harj has been quick to respond to emails and answer any further questions. When a problem occurred as a result of a mistake by my pension provider Harj was very swift and effective in getting the matter resolved. I am glad to have Harj as my financial advisor and would be happy to recommend him.

Have you seen the outcome you were hoping for?

Yes. As a result of the work done by Harj and the advice given by him I have proceeded with my plan for early retirement. My drawdown pension is in place and is operating as it should.

What could they have done better?

I'm not sure that anything could have been done better.

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

How has Harj Gill helped you since your last review?

Good down to earth advice

Please provide a brief comment about your experience with Harj

Introduction and initial discussions, professional approach, explained my options clearly and preparing to discuss these in detail now

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

How has Harj Gill helped you since your last review?

Since making my investment, I had a few things to do for the next two years. Harj was always available to help me and sort out any problems I might have. Harj always went over and above with his commitment to me.

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

future financial planning

How has Harj Gill helped you?

“The response from Mr. Gill, following my first contact, was swift and helpful. He quickly organised an initial meeting and clarified the information needed for our application. I was impressed at his speed of response and the clarity of his advice. There was an unexpected delay caused by misinformation circulated in error by a third party. Mr Gill advised approaching the Office of the Data Commissioner and swiftly switched to another more appropriate provider thus minimising delay. He facilitated a surprisingly swift completion by appointing very efficient solicitors. I would recommend him and his backup support team at Sandringham Financial Partners without hesitation.”

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing to the best of my knowledge

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

I needed advice with regard to the maturation of my teacher's AVC and how best to invest it for the benefit of my daughter.

How has Harj Gill helped you?

I would highly recommend Harj Gill as a financial advisor. He was most helpful and patient in helping me with pension advice, right from the initial enquiry through to all subsequent explanations in following meetings. These were always backed up by full printed information which I could peruse at leisure and then formulate further questions. I feel as if I could contact him at any time.

Have you seen the outcome you were hoping for?

Yes, so far.

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

How has Harj Gill helped you since your last review?

Harj has helped me plan for the short, mdeium and long term and helped me model the implications of various scenarios.

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

The passing of my mother and as Executor for the Estate, I had a number of equity release matters to deal with.

How has Harj Gill helped you?

Feedback on Harj Gill, Sandringham Financial Partners 1. Initial Enquiry I made an online enquiry through a government recommended portal and Harj was the first to get back to me, a very speedy response which in my opinion is always a positive sign. 2. First contact Right from the outset Harj was very professional and courteous. He engaged with my brother and I quickly and we both felt very comfortable to move forward with our equity release plan with him. Harj demonstrated expertise in this field and even though he provided advice, he never made us feel as though we were being pressurised. We made all of the decisions but taking his valuable guidance into account. 3. Organising your meeting Our meetings with Harj were via Zoom because of the constraints of the pandemic. Harj was always prompt and professional. The meetings were informal but also very constructive – Harj is a very likeable individual and we felt at ease talking to him throughout the whole equity release process. 4. Points being addressed in the first and subsequent meetings Harj would always respond to any issues we had either immediately or very promptly after we raised them. He is solutions focussed and Harj always managed to provide options for us to go away and consider. This is very different to other IFAs I have previously met. 5. Were your questions answered Quite simply, yes, without fail and very promptly. Any questions or concerns we had were answered or fears allayed at all stages of the process. Harj is extremely knowledgeable in the equity release arena and he managed to provide numerous options for us throughout the process. In the end we obtained a deal that was significantly better than our original expectations. 6. Was the advice you received understandable and in line with what you expected Yes we understood his advice at all times – Harj is courteous but clear and concise in providing advice. We never had a feeling that our time was being wasted. Our equity release process was legally complex because of a simultaneous change of property title. Harj kept us informed at all stages of the process and even became very engaged in chasing the solicitors so that the whole process did not drag on further than necessary. If it was not for Harj this transaction would have taken even longer to complete. We were very grateful for his involvement and interventions. 7. Would you recommend Harj Gill to others who need Independent Financial Advice I would have no hesitation in recommending Harj Gill to anyone seeking Independent Financial Advice. Harj is technically very knowledgeable in Equity Release. Harj is a very warm, courteous individual with strong integrity and honesty, a great professional and a real credit to his profession. R Maheswaran 2 February 2022

Have you seen the outcome you were hoping for?

Yes, beyond our expectation so we are extremely pleased that we engaged Harj.

What could they have done better?

N/A

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

For Advice

How has Harj Gill helped you?

Hi Harj Many thanks for the help you have given me with updating my pension to a more efficient plan. After requesting someone to help with looking at my old pension you were quick to reply and efficient at getting the info from my current supplier and changing the agency to yourself. You were able to explain the differences in ordinary understandable language and answer any questions effectively. If at any time you need a reference, I would be happy to provide that for you. Regards Paul

Have you seen the outcome you were hoping for?

Yes

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

Recommend

How has Harj Gill helped you?

Advice on the best way to grow my pension

Have you seen the outcome you were hoping for?

Waiting for a while

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

Getting the best advise regarding g pension

How has Harj Gill helped you?

Has gone thru everything we needed to know about pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

I have multiple pensions and wanted to understand if it is best to keep them all separate or merge them.

How has Harj Gill helped you?

I made an initial enquiry in April 2021 for some assistance understanding the different pension options available to me. Harj got in touch with me very quickly and was instantly extremely helpful and accommodating. He clearly knows his stuff inside and out and is calm, reassuring and friendly. I have felt totally at ease dealing with him at every stage and would not hesitate to recommend him to friends and family.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

n/a

Please provide a brief comment about your experience with Harj

Harj has assisted me with my financial issue with patience and clarity.

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

How has Harj Gill helped you since your last review?

Harj, has invested my pension into a private fund and reviewed and communicated throughout what changes would be beneficial to make the pot advantageous and realistic. Very happy with his contribution.

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

How has Harj Gill helped you since your last review?

Kept in touch by phone email and zoom session

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

How has Harj Gill helped you since your last review?

Since the last review Harj has advised me on inheritance planning, I was rather reluctant at first,however, Harj took the time to explain everything, and I felt confident to go ahead with it. Harj has always kept in touch with me on a regular basis which is very important.

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

How has Harj Gill helped you since your last review?

moved investments to be more productive.

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

I have been dealing with Mr Harj for year and half. We have had lengthy discussions about pension and investment and he has been very helpful throughout the process.

How has Harj Gill helped you?

We are still discussing pension and investment. I am quite happy with his help in pension transfer.

Have you seen the outcome you were hoping for?

Harj has been quite thorough about the finances throughout and I'm glad I found the right person. Theres nothing more I could ask for.

What could they have done better?

N/A

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

It's been 18 months that I have been dealing with Mr Harj. We have had lengthy discussions about pension and investment and he has been very helpful throughout the process.

How has Harj Gill helped you?

We are still discussing pension and investment. I am quite happy with his help in pension transfer.

Have you seen the outcome you were hoping for?

Harj has been quite thorough about the finances throughout and I'm glad I found the right person. Theres nothing more I could ask for.

What could they have done better?

Early days.

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

I needed to invest some money to enable me to have a monthly income from it.

How has Harj Gill helped you?

He came to my house and worked with me to find the right investment to meet my needs. He has always helped me with the process even though it is two years later. Harj has gone beyond expectations.

Have you seen the outcome you were hoping for?

Yes. I get a monthly payment.

What could they have done better?

The company with which my money was invested in, could make using them more user friendly for the average person.

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

Large sum available to invest.

How has Harj Gill helped you?

Advised and set up investments

Have you seen the outcome you were hoping for?

Yes

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

Had substantial funds to invest.

How has Harj Gill helped you?

Advised and set up investments

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with Harj

Harj was extremely confident that we will be able to give me advise regarding care home funding. He was very thorough in explaining the process and came across very professional.

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

To help with different pension pots

How has Harj Gill helped you?

He helped group the different pensions into one place so I was sure what amount I had

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure it could have been done better

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

I needed to find someone that could clearly explain and manage what pensions I had in place.

How has Harj Gill helped you?

He helped explain everything to do with my pensions and manage them for me.

Have you seen the outcome you were hoping for?

Yes he has exceeded what I expected from him.

What could they have done better?

I am not sure he could have done a better job for me considering this last year with Covid 19. He has kept in touch using Zoom which has worked well in the Covid crisis.

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

Redundancy and moving from final salary pension scheme

How has Harj Gill helped you?

Talked through options available; helped with financial calculations; involved specialist third parties where necessary

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing really

Please provide a brief comment about your experience with Harj

Harj explained the process and his role very clearly, he also offered some practical advise about further options and considerations

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

As below

How has Harj Gill helped you?

Our current mortgage was finishing and remortgaging was necessary as our plan to repay the mortgage in total was not yet possible due to delays in our business plan. Our current lender was unable to extend the term due to our age. We had approached a number of lenders and advised that due to our age and lack of monthly private pension (this was currently tied up in property) a normal mortgage was not possible, despite the fact we were still working and earning more than enough per month to cover repayment costs. Additionally, our property backs onto a public house which a number of Equity Release Lenders would not consider. One lender we approached suggested we try Unbiased, a group of financial advisers, which we did, and we were contacted by Harj Gill of Sandringham. From the outset, we felt comfortable with Harj as our adviser. Due to Covid 19, no meetings in person took place with most of our dealings dealt with by phone, although we did have one zoom meeting. We did not feel this had any detrimental effect. Harj ran us through a detailed appraisal of what we required and it soon became apparent that only a handful of lenders would be able to help. In the end, we had three options. Our main requirement was our ability to make monthly mortgage payments and to have a reasonable exit penalty, if any, for when we were in a position to pay off the mortgage in its entirety. Harj achieved this. The whole process took some 5 months and we have recently completed on our mortgage. The choice of mortgage from our three options was entirely ours - Harj just gave us the information and we made the decision. He did not try and influence us in any way. We always felt at ease with Harj and had faith that he would come up with a satisfactory deal, which he did. He understood our requirements and did not pursue avenues which would not be acceptable to us. He was thorough in his advice, as was the whole Sandringham process. We were kept informed of developments as they occurred. We have no difficulty in wholeheartedly recommending Harj Gill to others requiring financial advice.

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?

Pension advice

How has Harj Gill helped you?

Gave easy to understand advice re pensions

Have you seen the outcome you were hoping for?

Ongoing

What could they have done better?

Very please with Harj as my advisor

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

Needed to update life insurance cover and Sandringham appeared an appropriate option with Harj Gill being their local rep.

How has Harj Gill helped you?

He appeared confident and competent in his endeavours on my behalf.

Have you seen the outcome you were hoping for?

Unfortunately, I won't see it but I hope my dependants well!

Please provide a brief comment about your experience with Harj

Harj is very helpful, patient and is very much oriented to the client’s wants and needs.

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

Turned 55 yrs of age and wanted advice on my frozen final salary pensions.

How has Harj Gill helped you?

Advised and managed all my requirements, regular communication and one to one meetings, resulting in meeting my objective.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All I ask is for the FA to be open, honest and constructive, all of which Harj ticked the boxes.

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

Dealing with my pension and transfer it to a different provider.

How has Harj Gill helped you?

I sought professional advice on my finances especially with regards to my private pension and I couldn’t be any happier that Harj Gill contacted me. He is very professional, explains things as many times as it is needed so the client understands and listens. I felt really good whilst dealing with him, especially in these difficult times where we had to do our meetings via video and phone calls. The setup of my new pension was so smooth. I can honestly say that I can recommend him to anyone. Best regards, Adrian.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing. So far so good. I am happy how things went.

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

Nearing pensionable age and needed to weigh up my options

How has Harj Gill helped you?

I sought for advice from the Unbiased website to review my pension options Harj contacted me and we agreed on a date and time for a first meeting. The meeting was at my own convenience and was not pressured at all. We met on subsequent dates to go through the process of the review. Harj was always punctual and on time for the meeting. Harj was professional and his wealth of knowledge in explaining the options available to me was phenomenal. He took me through the stages which the review will take from gathering of information and risk profile to the final recommendations. Harj kept me in the loop about with further developments. Harj was very professional throughout my meetings with him and my concerns were addressed with simple language devoid of jargons. I will therefore recommend Harj to any one needing advice and review of their pension plans.

Have you seen the outcome you were hoping for?

In the process of realising the full extent of my decision

Please provide a brief comment about your experience with Harj

So far, so very good!

Please provide a brief comment about your experience with Harj

Harj has been a fantastic help in navigating the tricky and red tape filled worlds of Mortgage applications (especially Help to Buy!). His commitment to my case and desire to help move things forward has been great, whilst I've appreciated the clear communication and timely manner in which things are dealt with. Terms and action points are clearly explained and I've understood the next steps along each part of the process. As a first time buyer it's tricky knowing what to do and how to proceed, but Harj has been the perfect partner!

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

Grouping my pensions

How has Harj Gill helped you?

Strategised with me to find the best options

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?

I sold a property and wanted advice on where to put the money. Mr Harj Gill was recommended to me.

How has Harj Gill helped you?

I met with Harj on numerous occasions and felt very comfortable with the advice he gave me, he organised meetings with different Investment Companies. Up until the pandemic we touched base regularly and even during the lockdown if I needed to be reassured on certain points Harj was always available for a phone meeting.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think Harj has always done his best to help me.

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

after selling a property I wanted advice on what to do with a proportion of the money. My accountant recommended Harj and suggested I met up with him for an informal chat. I felt very comfortable with Harj.

How has Harj Gill helped you?

He organised meetings with Investment Companies, I then made the decision who I wanted to go with.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

I don't think he could have done anything better

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

I was wanting to switch my ISA to an alternative provider.

How has Harj Gill helped you?

Harj was able to recommend an appropriate ISA for my requirements.

Have you seen the outcome you were hoping for?

The ISA had been performing well until the onset of the corona virus pandemic.

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

Moved to the country and needed an adviser

How has Harj Gill helped you?

Looked at current financial position and requirements and advised and assisted in setup of investments, insurances and pensions

Have you seen the outcome you were hoping for?

Recent investment and goals are long term

What could they have done better?

So far have been happy with service provided. About to do cash flow planning which I think will be largely beneficial

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

Not happy with previous adviser.

How has Harj Gill helped you?

Sorted out my pension and ISA's

Have you seen the outcome you were hoping for?

I have seen what I expected, not what I hoped for.

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

I needed advice on how to best protect my hard earned nest egg whilst providing a secure income.

How has Harj Gill helped you?

Harj researched the most suitable funds available to meet my needs and I gave 2 of these a try. He explained that all investment opportunities carry a risk of not achieving their projected goals but given a fair wind they would expect to do so. The proviso is " in the long term".

Have you seen the outcome you were hoping for?

No. I have picked a very tough time to start investing in funds and had hoped expertise would manage things better than I could. My adviser was diligent and worked hard for me throughout and I have no complaints.

What could they have done better?

Perhaps considered more my age when embarking on this course of action. Have I got the luxury of "long term"? Fit as a fiddle but commencing this at 75 who knows?