Justin Wade

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

I realised that I was in my 40s and I had dine very little to plan my future after retirement. Also, I adquire a sum of money I was in a position to save as no needed imminently

How has Justin Wade helped you?

Justin helped me to find the best product to put my money getting the best return possible but still accesible, as I have still have children at home and I wanted to be able to access my money in an emergency

Have you seen the outcome you were hoping for?

The outcome has been better than I thought it would be. I initially contacted Justin at the end of 2020 so I have had a reasonable length of time to see the results. Out of the 4 years one was good and 3 very good.

What could they have done better?

I can't think about anything better he could have done. In fact I didn't hesitate to recomend his services to a very close friend who came across a large sum of money under sad circumstances. Justin was extremely professional at the same time that respectful of the situation.

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

I was looking for professional advice on drawing down money from my pension

How has Justin Wade helped you?

Justin was great. He checked out what our financial situation would be in the future and if it was feasible to take money

Have you seen the outcome you were hoping for?

Yes, everything all dealt with without any issues

What could they have done better?

Nothing

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

Personal circumstances linked to bereavement

How has Justin Wade helped you?

Justin helped me to find the financial solutions that best suited my needs and personal circumstances

Have you seen the outcome you were hoping for?

Yes

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

I wanted to consolidate several small private pension funds into one drawdown account.

How has Justin Wade helped you?

Justin gave me advice and recommended a fund for me. He explained every step and the reasons for completing those steps

Have you seen the outcome you were hoping for?

Yes. The drawdown is ready for me when I am ready to start using the funds.

What could they have done better?

To be honest nothing. I had complete confidence in what Justin put in place for me. Family members with much larger funds have also used his services and recommended Justin to me.

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

Decisions to be made on inheritance issues

How has Justin Wade helped you?

Good advice. Taken responsibility for some of my investments.

Have you seen the outcome you were hoping for?

Yes

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

Impending retirement with the need to understand all my options.

How has Justin Wade helped you?

Clear explanations of all my options enabling me to make the best decisions for my future.

Have you seen the outcome you were hoping for?

Now retired, I feel I have the best outcome available thanks to Justin’s help.

What could they have done better?

Not a lot. I just wish that I had spoken with Justin earlier.

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

I had acquired multiple pension pots from different jobs and was unable to properly manage them.

How has Justin Wade helped you?

Justin helped me to review all the different schemes and transfer into a simplified system, enabling me to manage and review my pension funds, working towards a comfortable retirement in the future.

Have you seen the outcome you were hoping for?

It is still early but I'm happy with having my funds in a single system that I can review easily,

What could they have done better?

Nothing, Justin and his team were easy to work with.

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

My husband and I was looking at transferring our pension pot into a drawdown plan and Justin advised us the best way to do this.

How has Justin Wade helped you?

Justin advised us on the best way to make our pension pots last and gave us several options. Also Justin explain it very clearly to us so we could understand it.

Have you seen the outcome you were hoping for?

Must definitely When moving the pensions Justin and his staff were keeping us updated all through the whole process. Couldn't fault them at all.

What could they have done better?

Just keep doing what you are, it works.

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

Imminent retirement

How has Justin Wade helped you?

In helping me invest my pension in the best way he thought appropriate.

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

Not much really.

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

I was looking for a reputable financial advisor to assist with the preparations for my retirement. As I wished to use a flexible drawdown arrangement I wanted someone who could advise me on the best options considering my personal situation and my desire to reduce any financial risk to my investments.

How has Justin Wade helped you?

Justin has taken the time to fully understand my current financial circumstances, our financial commitments and the lifestyle myself and my husband wanted to achieve during our retirement.

Have you seen the outcome you were hoping for?

Yes

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

Was not sure what options to take and what was the best direction to take.

How has Justin Wade helped you?

He helped me in deciding what to do in the short term and medium/long term in terms of my financial situation which meant I had to make some tough but necessary decisions.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing, happy with the advice I received from Justin.

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

Takin early retirement

How has Justin Wade helped you?

Gave sound financial advice on what to do with my pensions and helped me move my MPP out of the Bosch plan.

Have you seen the outcome you were hoping for?

Yes, all worked perfectly

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

Retirement planning

How has Justin Wade helped you?

Provided pension planning advice and managed my pension pot transfer

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Had an App that showed the status of the transfer process/pension funds- but they have now done this :-)

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

Significant increase in income and savings rate that necessitated us starting to invest.

How has Justin Wade helped you?

Helped us create a tax efficient and geographically distributed long term portfolio customised to our needs.

Have you seen the outcome you were hoping for?

Yes, Justin exceeded expectations.

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

Justin was recommended by a long-standing financial advisor working on behalf of my employer. We engaged him at the point of retirement for both my wife and me to deal with multiple pension sources.

How has Justin Wade helped you?

Justin took the time to get to know us, assess our needs and priorities before providing a (to us) non-intuitive perspective on the options available. He has reviewed investment advice as global financial circumstances change.

Have you seen the outcome you were hoping for?

Global financial markets have impacted recent performance but Justin has given timely advice regarding investments, specific to our needs.

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

Pension advice

How has Justin Wade helped you?

Good advice. Kept in contact

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Only by winning the lottery

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

To retire and had Justin recommended by work colleagues

How has Justin Wade helped you?

Transfer of works pension to personal scheme and lots of advice and of choosing right pension provider and options available to me

Have you seen the outcome you were hoping for?

I’m n the most part yes but investment funds not regained since Liz Truss bombshell budget

What could they have done better?

Nothing I am very happy with Justin and Regis Bentley

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

I was initially looking for Financial advise around my pension and the pros and cons of an initial drawdown pre retirement.

How has Justin Wade helped you?

Justin invested his his time in understanding our circumstances and what we hoping to achieve long term. He offered some great initial advice on my pension, including a recommendation on moving to a different fund within the existing plan to reduce the risk around market volatility whilst we worked through the longer term plan, as well as offering advice on how we managed our day to day finances which was put into great effect. Following further in depth discussions around pension investment options, factoring in my attitude to risk and future desired plans, further changes were made to my pension investments. At all times Justin made sure I was fully informed and fully understood the options prior to any decisions being made.

Have you seen the outcome you were hoping for?

Yes, very happy with the outcomes.

What could they have done better?

Nothing.

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

Early retirement planning.

How has Justin Wade helped you?

Our portfolio was put together from various streams of income. It was important for us to have the right advice regarding the pension side of things. In fact Justin gave us some advice to consolidate the pension with another provider which in fact secured our pension fund just before the Ukraine war / market chaos.

Have you seen the outcome you were hoping for?

Of course anybody who has retired in the last two years is probably not able to say that their investments are yielding what they might have hoped for. However we have a balanced portfolio which limits the impact in these difficult times and we have Justin to thank for the very good financial advice. We realise that we are invested for the long term and I’m sure when the markets return we will be well placed with the funds we have chosen.

What could they have done better?

Nothing comes to mind. The process of financial advice has been done very well with a combination of face to face followed up with the new RB App and of course web site.

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

We were coming up to retirement and the financial advisor we were consulting retired. Also Justin had advised a number of people in the business I worked in, at all levels, and I received good feedback.

How has Justin Wade helped you?

I have found Justin to be open and knowledgeable, as well as being helpful and supportive in and around the prime area of consultation, our pensions. Most impressive for me is his commitment to ensure there is a good understanding of the decisions being made and their outcomes.

Have you seen the outcome you were hoping for?

We are still mid process, but we are more than satisfied with the actions taken so far and confidently expect the same for the actions in hand.

What could they have done better?

We are fully satisfied with Justin’s support.

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

Review of my pension arrangements

How has Justin Wade helped you?

Advised and managed the process

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?

Justin was recommended by a long standing, and trusted source, to advise on wealth management

How has Justin Wade helped you?

By being available, and always helpful, even though it may not have been to his advantage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No improvement needed

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

I planned to leave (very) long term employer in 2021, with a view to (early) retirement. So I needed advice on the financial implications and how that fits into pension planning in the UK, where a lot depends on financial markets and on an understanding of your personal options.

How has Justin Wade helped you?

He helped to confirm and enhance my knowledge of Defined Contribution / (a future) Defined Benefit pension scheme and their impacts on my individual circumstances. He assisted in the transfer of my pension fund from the supplier of my former employer, and the pitfalls which can ensue. He has always been very clear on fees involved - either for his company or for other involved parties - and the general risks involved in the financial world - eg investment can go down as well as up!

Have you seen the outcome you were hoping for?

Not quite yet, there were warnings about the current fundholder's reluctance to actually part with funds (my words not Justin's!) but I'm confident that in a couple of weeks the situation will be clear. The advice and guidance has been present all along.

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

Pension planning

How has Justin Wade helped you?

He took control and sorted out my pensions moving pots into different providers as circumstances changed , investments built well overtime

Have you seen the outcome you were hoping for?

Yes my pot has grown in some very difficult trading times under Justin’s stewardship

What could they have done better?

I don’t believe he could have.

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

My previous adviser retired and Justin was recommended by a mutual acquaintance

How has Justin Wade helped you?

Justin did a very thorough review of our investments, most of which were made in 2002 and made positive recommendations re tax efficiency and avoidance of future large tax bills. In the foreseeable future we will probably need to draw income from our investments and we are confident that our money is easily accessible. Justin made sure that we understood what we were doing and the likely outcome.

Have you seen the outcome you were hoping for?

Too early to say, but at present things are proceeding according to plan.

What could they have done better?

Possibly look at other investment opportumitio Justin appears to have some favourite plans which suit our needs, other people might require different schemes.

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

We had to sort out a complex investment portfolio that had been previously managed poorly by a different organisation

How has Justin Wade helped you?

Justin mapped out the situation so we could understand where the gains and losses fell and facilitated negotiations with the funds that we were attempting to redeem investments from.

Have you seen the outcome you were hoping for?

yes - there is more work ahead but so far we have managed to redeem a significant portion of the fund available

What could they have done better?

nothing much - Justin's team has been a pleasure to deal with - always available and responsive

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

My finances had become a total mess; overwhelmingly so. I admitted I needed help from a financial advisor but didn’t know where to start. On the basis of reviews I selected four companies and had meetings with all. Regis Bentley stood out from the very beginning as having an incredible balance of expertise and personality. I’ve been a client with them for just over a year and I know I made the right decision.

How has Justin Wade helped you?

They have not only transformed my finances but offered me help and support ‘above and beyond’.

Have you seen the outcome you were hoping for?

More than I'd hoped for. I no longer worry about managing my finances because I trust that an expert is guiding me through the decision making process, explaining things on a level that I can understand and helping me achieve good returns on my investments whilst managing risk.

What could they have done better?

Nothing.

Please provide a brief comment about your experience with Justin

Really open and good chat with Justin, great at explaining the concepts and also out of the box thinker when dealing with unqiue circumstances.

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

Receipt of a large bequest .

How has Justin Wade helped you?

Providing the advice that we needed, fully understanding what our needs are, not forcing us into any "pet" solutions yet challenging our preconceptions, and implementing his advice. Being fully aware in January 2020 of the emerging challenges from Covid 19.

Have you seen the outcome you were hoping for?

Yes but we have only been clients for just over a year.

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

I contacted Justin, via a recommendation with regard to my company pension. I have some Ideas on finance but needed guidance and planning to control my finances over the coming years.

How has Justin Wade helped you?

He sat down with me and we talked about how I looked at the future and my idea's of what I wanted to do with my pension sum. After the talk he came up with idea's and figures which together we moulded into in to a design plan that he and myself agreed to action.

Have you seen the outcome you were hoping for?

Justin, has kept in touch and answered any questions I have asked of him. I feel we have become friends. I would also thank Lisa, who works with Justin who has always helped and come back to me if I have a question and Justin is busy at that time. So always a quick response back to me.

What could they have done better?

I had general advice from our Company Financial Adviser but Justin, dealt with me on a one to one. He was upfront on the costs of using his services straight away. I did come in contact with a couple of other Financial Advisors. Lots of sales pitch and the last thing they hit you with was their costs, which knocked you of your seat. So I would say be looking after you and not themselves is my idea of a good Financial Advisor.

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

Trying to organise my future, especially for after I retire.

How has Justin Wade helped you?

Making the whole process simple and understandable for a non expert like myself

Have you seen the outcome you were hoping for?

Up to a degree, yes

What could they have done better?

There is nothing else I would had expect differently

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

originally justin was part of the team managing my company group scheme, including SIPPs , latterly just a personal advisor.

How has Justin Wade helped you?

Sound advise at a pivotal moment for me, on my range of options, for an early retirement, ongoing support both in the years leading to this point and since.

Have you seen the outcome you were hoping for?

absolutely

What could they have done better?

nothing occurs

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

I am a well-earning, young professional looking to make my money work for me and looking to effectively plan my financial future. I contacted Justin in order to conduct a complete review of my existing assets/investments and for advice regarding the best vehicles to invest in.

How has Justin Wade helped you?

Justin completed a hugely detailed personal report for me, taking into account my attitude for risk, age, priorities etc. and also recommended an excellent provider for regular (monthly) investing.

Have you seen the outcome you were hoping for?

Yes - Justin has gone above and beyond to help me and has always offered an excellent service.

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

Desire to consolidate multiple pension schemes, understand the extent of my existing pension fund so that I can amend funding as required.

How has Justin Wade helped you?

Justin took on the hard work of contacting multiple providers and explaining my pension provision and any options and in simple terms.

Have you seen the outcome you were hoping for?

Absolutely. I have confidence in the advice Justin has provided and am much more assured about my pension arrangements.

What could they have done better?

I really can't think of anything that could have been done better.

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

I was very keen to see how my finances were performing Mr Wade was recommended to me

How has Justin Wade helped you?

He gave lots of helpful advise about how pensions work and how mine was performing He professional approach gave me the confidence to take on his advise

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

I found mr wades advise first class and would have no Hesitation in recommending his service to friends and family From our first meeting to last I couldn’t fault this professional approach I couldn’t find a fault with his service that he offered to me

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

I had a few pensions I wanted to bring under one portfolio. Plus 2 final salary pensions that I wanted to see what the options with them

How has Justin Wade helped you?

Justin explained the pros and cons for each of my pensions and was able to point me to someone who could investigate my final salary pension. It was clear that one of these final salary pension was better off somewhere else, which Justin helped me with.

Have you seen the outcome you were hoping for?

Yes. I now have more flexibility in accessing and using my pension pots.

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

Retirement of previous Financial Advisor with recommendation of Justin Wade. Investment to move from off shore account to U.K.

How has Justin Wade helped you?

Justin listened attentively to our needs and offered a range of possibilities, giving detailed information about a range of investment accounts. All options were fully explained so we were able to proceed and set up a new investment strategy which provided financial security and an effective way of sustaining growth and addressing tax liabilities.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Justin has always been available to answer any questions and has set up a Portal so that we can have access to view our investments online. He has given generously of his time and has given us confidence that choosing him was the right decision. We have no reason to believe that he could have done better.

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

Moving a number of old pensions into one manageable pot

How has Justin Wade helped you?

Fully explained all options and managed the transfer.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Everything was done professionally, speedily and fully explained. Various options were offered.

Please provide a brief comment about your experience with Justin

Great advice, answered all my questions. I have made decision moving foward. I will contact Justin IF i decide to move forwrd

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

I was being made redundant and I needed a financial advisor to guide me through the financial path without falling into the pot holes

How has Justin Wade helped you?

Justin Wade came to the company I was leaving and described the avenues open to me without pushing his services but giving me the options of what to do next. I was very impressed with his advice and consequently signed up to his company.

Have you seen the outcome you were hoping for?

Yes. I am very pleased with the advice, service and friendliness of the company. Above all the financial security offered by dealing with a professional advisor.

What could they have done better?

My portfolio is reviewed annually and advice given on my current situation and looking forward. Quarterly updates to ensure I am aware of current situations.

Please provide a brief comment about your experience with Justin

He came to my home and went through the options I had in my situation for my pension.He explained in outline charges,terms and conditions.I am to receive an email with my options written down including the option of doing nothing just leaving things as they are which was seen as a good thing. In short satisfied and likely to use his advice in the future.

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

I had recently been given some inheritance money and wanted to know the best method of investment that suited my needs whilst providing the best return possible.

How has Justin Wade helped you?

Justin had a lengthy conversation with me to establish exactly what it was I wanted from my investment. He then advised me on what he thought would be the best option for me in huge detail, explaining both benefits and drawbacks so I could make a fully informed decision on what to do. Going through psychometrics to determine how much risk I was prepared to take with my investment, demonstrating viable options and exactly what they would mean for my situation and finally coming to a decision, I couldn't have asked for better guidance.

Have you seen the outcome you were hoping for?

Not only have I ended up with the best possible investment for my needs in terms of time and return, I also feel continually supported through after care, with frequent letters and correspondence keep me updated with how my investment is doing.

What could they have done better?

In my situation I dont feel there was anything that could have been done better, as I'm very happy with the service recieved and the subsequent outcome.

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

Having recently retired I needed advice on the consolidation of my pensions, as I had already decided that taking an annuity was not an option for me I also required advice on where best to invest the available funds.

How has Justin Wade helped you?

I'd had preliminary meetings with a few IFAs before meeting with Justin, so when my wife and I met him we were immediately put at ease by his relaxed and friendly manner. His presentation was informative and presented in a way that we could both understand (my wife was paticularly impressed with the PowerPoint presentation), though grasping some of the fund concepts proved challenging at first, however, Justin sought to present the facts in a manner that was more easily understood rather than wrapping them up in finacial jargon. A financial plan was provided for us to peruse and agree on even before we had agreed to take on Justin as our financial advisor, which showed a level of commitment not previously seen.

Have you seen the outcome you were hoping for?

It's far too early to say (only invested for six months) and the current political (Brexit) situation does not help together with the usual Stock Market ups and downs. These were not short term investments so I'm hoping that once everything settles down that a clearer picture will emerge.

What could they have done better?

Not sure that he could have done anything better.

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

I had concerns about my pensions & the expected growth. I was also looking for advice on maximising the income on my savings

How has Justin Wade helped you?

Justin carried out a complete review of our finances, he then proposed a number of changes to make the most of our savings and pensions, this has given us a great deal of comfort in our future retirement income.

Have you seen the outcome you were hoping for?

Whilst it is still 'early days' the plans are all tracking as expected, indeed are ahead of the expected growth

What could they have done better?

At the moment I can not think of anything which he could have improved on.

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

We were not confident in our financial adviser who never came to see us and we were passed around to other advisers within the company.

How has Justin Wade helped you?

He did a complete review of our finances and proposed a number of changes to make the most of our savings and pensions, taking into account our ages and our approach to risk.

Have you seen the outcome you were hoping for?

Yes. In recent years the markets have been difficult but Justin has always been quick to respond with advice and recommendations.

What could they have done better?

We cannot fault Justin's service. We have regular meetings to discuss our financial situation which has seen major changes in recent years.

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

Wasn’t happy with my old pension provider

How has Justin Wade helped you?

Introduced me to different products options

Have you seen the outcome you were hoping for?

Happy overall

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

We had a very bad experience with a previous Financial Adviser which lead us to search for someone who had received extremely good reviews.

How has Justin Wade helped you?

We were a little sceptical about meeting with another Financial Adviser, due to past experiences, but Justin alleviated all our fear and apprehension at our first meeting. It was extremely clear from the offset that Justin's main objective was to ensure that he understood exactly what we expected from our investments both now and in the future. He explained everything in easy terms which made it a lot easier for us to understand. It is also important to say that Justin took the time to get to know us both and to put us at ease.

Have you seen the outcome you were hoping for?

Justin has undertaken a lot of work for us, a lot of which was at his own expense. We have received cash flow projections on our pending early retirement which we have discussed in length with him on more than one occasion. He is always happy to come round and discuss things with us and we look forward to seeing him. In this day and age it is hard to find someone who is passionate about what they do and how they do it. We are extremely grateful for all Justin's help and advice. As for the charges, this is what we expected to pay and are totally happy with. We have paid an awful lot more in the past and have certainly not received the level of service that we receive now.

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

Qurops.

How has Justin Wade helped you?

By giving unbiased knowledgeable advice and explaining options.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of

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

For up to the minute and unbiased advice from someone reliably more informed than we were.

How has Justin Wade helped you?

By providing the above.

Have you seen the outcome you were hoping for?

Yes.

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

to put all my pensions into one pot.

How has Justin Wade helped you?

he gave the advise I was looking for and arranged all the work to put my pension plan in placve.

Have you seen the outcome you were hoping for?

so far yes.

What could they have done better?

no all the advise was spot on.

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

Taking retirement and wanted to consolidate pensions to gain the best return and also fully realise the potential growth of my savings.

How has Justin Wade helped you?

Justin researched the multiple pensions I had and worked closely and clearly with me on the best way to consolidate and grow the pension based on my ascertained level of risk. He also advised and executed on moving my ISA's to a Savings option with a higher potential return.

Have you seen the outcome you were hoping for?

Yes. Everything was executed in the way that Justin explained.

What could they have done better?

Nothing much extra that Justin could have done. In my case it was more down to me asking the right questions and hearing Justin's expertise in the areas discussed

Please provide a brief comment about your experience with Justin

Justin provided us with an interesting and stimulating interview. He is clearly very intelligent and capable of innovative thinking. He would be a very good adviser for us if we decide to go ahead with our project.

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

I had a plethora of pensions that had started up and then finished or were frozen from various employers throughout my working life these were consolidated by A previous advisor and Justin has looked after me since.

How has Justin Wade helped you?

He has managed my portfolio well since the previous advisor by coming to my place of employment and advising me and clearing up a few things I didn’t understand.

Have you seen the outcome you were hoping for?

My portfolio has grown so yes the outcome is what I was hoping for.

What could they have done better?

I am happy with Justin’s efforts so far he has been proactive it contacting me for meetings a couple of times and I hope to be doing more business next year and hope this will continue or increase if required

Please provide a brief comment about your experience with Justin

Friendly, easy to talk to, took time to understand my needs. Very informative about the financial side of things but equally reflective about my short and long term goals. Gave useful tips too. I will certainly be calling on Justin in the future.

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

As I’ve been recently widowed and had already taken early retirement, I needed to know if the funds I had would generate an income without having to return to work.

How has Justin Wade helped you?

Our first meeting was mainly spent with Justin getting to know me and my expectations, once this was established he put forward a proposal which he explained in detail to ensure I understood completely. This was followed by more meetings to run through the details and explain any possible risks involved.

Have you seen the outcome you were hoping for?

Yes, I couldn’t be happier with the outcome, I’ve just received my first monthly deposit which has now given me the option to remain retired if I choose to.

What could they have done better?

I couldn’t have wished for a better person to handle my affairs, my situation left me feeling very vulnerable but Justin was very patient and took each step at my pace.

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

Initially I was looking to consolidate several pensions into a new product.

How has Justin Wade helped you?

Justin took the time to get to know me and my financial situation. Justin provided clear and concise advice on the different products available in the market that suited my requirements.

Have you seen the outcome you were hoping for?

Absolutely, my pensions are now consolidated into one product and growing well. I have also taken out an investment product, I am particularly grateful for the assistance provided on the investment solution as this was not an area I was originally looking into and it is providing me with very good returns.

What could they have done better?

I do not have any suggestions as all my requirements were met and exceeded.

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

To manage and consolidate various private pension pots.

How has Justin Wade helped you?

As a 50+ couple with several frozen company and private pensions and no idea of their performance or how to manage them effectively, Justin was able to explain, in clear lay-mans terms, the pension process, inform us of all options available, and provide the best package to suit our needs. Not only is he very knowledgeable but also very personable and we feel very confident that our retirment plans are in good hands.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

nothing I can think of

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

to manage my private pension funds.

How has Justin Wade helped you?

advising the best options for the above and future investments.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

not in my opinion

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

At the point of retiring I have several small pensions which I wanted to consolidate into one pot. I also had some 'safe' saving 's pots which I also wanted consolidating so that we may possibly earn more interest without too much risk.

How has Justin Wade helped you?

He explained all options available to me both regarding my pensions and savings. After several meetings with me, together with careful explanations as finances is not an area which I am really familiar and confident with, he has arranged one single pension plan that amalgamated my small pension pots, making the whole business much simpler and clearer. I have also taken his advice regarding my savings and have moved those to a scheme which will provide a better return.

Have you seen the outcome you were hoping for?

It's still early days and Justin will return to tie up loose ends in the near future. However, I feel content in the knowledge that everything is now in place for when I actually retire.

What could they have done better?

I really can't think of anything more Justin could have provided. I would just like to mention that I felt completely comfortable and confident with him. Not only is he very professional and knowledgeable, Justin is very personable, prepared to take as much time as necessary to explain products and is always available if a question or problem arises. I would have no hesitation in recommending him to friends and family.

Please provide a brief comment about your experience with Justin

Very professional and a perfect brief introduction to what will be a new area for me

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

I was in private pension scheme and was looking at retirement planning and the best way to get early retirement and making sure my wife would be looked after should I die.

How has Justin Wade helped you?

Justin was excellent he pointed me in the right direction and made me financially sound for the future not pushy and he knows his stuff and a really nice bloke he went through pros and cons and explained everything in simple terms.

Have you seen the outcome you were hoping for?

Yes I can relax now knowing my future finances are sorted out.

What could they have done better?

No not really there were issues were my investments were but he sorted them out

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

Having been fortunate enough to receive an inheritance I needed guidance around how to get the best return from it as the banks were paying almost nothing at all,.

How has Justin Wade helped you?

He took his time to look at the best options for me and made a recommendation that suited my circumstances.

Have you seen the outcome you were hoping for?

Yes, I invested in something which is tax efficient and has some guarantees that make me feel comfortable as it is my first time investing a larger sum as this. Justin was very thorough and efficient and let me take my time to decide without pressure.

What could they have done better?

Nothing, I was very pleased with the advice received.

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

My wife and I had not utilised the services of a Financial Adviser for over 3 years, for various reasons, and felt that following Brexit and the drop in interest rates we needed a complete review of our finances by a qualified expert.

How has Justin Wade helped you?

We attended three meetings with Justin which lasted in excess of seven hours in total and during which he carried out a full review of our finances. He advised us to withdraw from risky investments, not to worry about losing interest or eating into our capital in the short-term and make the most of the time we have together. Our son-in-law,y who was present at all the meetings, fully supported him.

Have you seen the outcome you were hoping for?

We are gradually withdrawing from our risky investments & fully intend to change our way of life.

What could they have done better?

Justin could not have been more helpful or constructive and considering he spent so much time with us and gave us the benefit of his expertise free of charge we recommend him to any of our friends without hesitation.

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

Co-incidence. Justin operates from an office within the Building where I work. I casually mentioned planning a new saving or investment in order to mitigate my tax liability , the conversation led to a more formal chat.

How has Justin Wade helped you?

I discussed my financial situation, he listened to my concerns and gave helpful and clear advice and guidance.

Have you seen the outcome you were hoping for?

Yes I have been able to set up a NISA.

What could they have done better?

In simple terms I am entirely happy with Justin's advice. He provided what I wanted.

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

Urgent need to restructure pension arrangements to be able to access funds.

How has Justin Wade helped you?

Advice was spot on and completely honest, after listening to my circumstances and what I had to achieve Justin was very careful and meticulous in pointing out all the downsides to what I had to do. I am fairly financially aware but it was refreshing to hear him explaining everything clearly and to know he was acting in my interests and going "the extra mile" to get the best possible out of what could have been a fairly dire set of circumstances.

Have you seen the outcome you were hoping for?

Undoubtedly. Justin's recommendations have been spot-on both in terms of investment vehicle and timing. The benefits of all switches made have very quickly outweighed the administrative costs involved and he is exceeding target fund performance for my pension.

What could they have done better?

Quite honestly, nothing. Can't fault him on anything.

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

Moved abroad and needed help and advice with a personal pension fund.

How has Justin Wade helped you?

Advice with and investment of our personal pension fund.

Have you seen the outcome you were hoping for?

Yes. Considering the financial climate at the time and now, Justin's advice and decisions have been very sound.

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?

Initially looking for pension and retirement advice.

How has Justin Wade helped you?

Justin fully understood my position and he advised on several financial packages that would benefit me and my family.

Have you seen the outcome you were hoping for?

The recommendations I received have proven to be very rewarding and the additional savings advise have proven to be very rewarding.

What could they have done better?

Currently all the advice I have been given has proven to be very beneficial and therefore currently I am very satisfied with the advice I have been given.

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

I was managing my mother's financial affairs and I needed professional help.

How has Justin Wade helped you?

Justin took a thoughtful approach to understand my mother's requirements, and to tailor his advice closely to her requirements.

Have you seen the outcome you were hoping for?

I am more than happy with the advice we were given, and the products recommended were well suited to our needs.

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

Reviewing my mother's finances, and adjusting accordingly since going into a care home.

How has Justin Wade helped you?

Justin has been of great help dealing with my mother's finances, since the change in her circumstances. She has always been careful with her money, and upon reaching a situation where care home fees had to be accounted for, Justin has been excellent. He has a good rapport with my mother and explains his ideas in a way that she can understand. He has also been a good support to me, and always replies to any queries or concerns that I may have, very quickly. Both my mother and I feel very happy with Justins advice and approach.

Have you seen the outcome you were hoping for?

We are almost at the final outcome completion, and Justin has kept me informed along each step of the way. I'm confident that we will have a successful outcome.

What could they have done better?

I have nothing to add here, as I'm very happy with all aspects of Justin's work.

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

I needed specialist advice.

How has Justin Wade helped you?

Follow up from the question above.

Have you seen the outcome you were hoping for?

Yes, so far but of course this is onging.

What could they have done better?

Maybe more colour charts which are usually most helpful for people like myself who cannot absorb a mass of figures.

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

I had three investments in my portfolio that were to say the least going nowhere and in serious trouble. Information from fund managers was none existent.

How has Justin Wade helped you?

After analyseing my portfolio in detail arranged meetings with fund managers were there were serious concerns and getting results.

Have you seen the outcome you were hoping for?

Yes one fund has made offer of original investment plus a persentage from start of investment and two other investments are in final discussion.

What could they have done better?

No I do not think Justin Wade could have not done anything better the fact that there were no discussions at all with my investment fund mangers for several years and to get a result was truly amazing.

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

Dissatisfaction with previous IFA which led to a change of firm and eventual introduction to Justin Wade.

How has Justin Wade helped you?

Reorganisation of investment portfolio and advice on investment and tax planning.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Reports were not prepared after early meetings but are now issued promptly.

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

As a company we needed a pension scheme for our employees, Justin then reviewed my private pension.

How has Justin Wade helped you?

Justin held an initial meeting, went away and reviewed my present scheme, he then returned with a plan and solution to meet my needs going forward.

Have you seen the outcome you were hoping for?

It's very early days but looking at the packageon offer I'm sure we will end up with the desired results.

What could they have done better?

N/A

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

I needed to move my old pension scheme to a more flexible one , and have more control over it .

How has Justin Wade helped you?

He put me on the correct path I needed to invest my pension correctly .

Have you seen the outcome you were hoping for?

Yes but it is early days and my investments have only just started working in the direction I would hope for .

What could they have done better?

Nothing Justin explained everything in great detail and made it very easy to understand .

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

Review of our pensions.

How has Justin Wade helped you?

Looked at our existing package and worked out the best way forward - simple explanation.

Have you seen the outcome you were hoping for?

Yes I think we are happy we have set up a sensible program going forward.

What could they have done better?

No all seemed well explained to someone who really does not understand pensions etc

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

I was not having any joy getting a response from my current adviser regarding transferring a company pension.

How has Justin Wade helped you?

He advised me of the best way to move forward with merging my two pension schemes. He took onboard my requirements and advised how best to meet them.

Have you seen the outcome you were hoping for?

It is too early to comment.

What could they have done better?

It is too early to comment.