Gary Fulcher

Please provide a brief comment about your experience with Gary

Initial meeting - good honest, straight talking, friendly advice.

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

How has Gary Fulcher helped you since your last review?

Gary has helped with our wills, and helps with advice on our finances

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

How has Gary Fulcher helped you since your last review?

When I needed to check the policy I had taken out through Gary he was only too happy to help.

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

How has Gary Fulcher helped you since your last review?

Good advise and friendly service.

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

How has Gary Fulcher helped you since your last review?

The past year has mostly been about maintenance. I’ve had a couple of unrelated questions which Gary has kindly tried to answer and always responds. Fingers crossed for a good year ahead!

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

How has Gary Fulcher helped you since your last review?

We have had a review following a change of circumstances

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

How has Gary Fulcher helped you since your last review?

The dealing with Financial and Inheritance Planning for my wife and I, has been held up (no fault of Gary Fulcher) due to the backlog and slowness of the Land Registry Office to register existing land with a property already built on it. I am told by my solicitor this could take 12 months or more. This means the earliest Gary will be able to deal with it will be January 2024. The Power of Attorney for my wife and I has been completed to our satisfaction, with no hiccups from third parties.

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

How has Gary Fulcher helped you since your last review?

Helping me understand my pension

Please provide a brief comment about your experience with Gary

Excellent communication and knowledge. Was happy to work with my thoughts and ideas and presented information which will prove invaluable.

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

Coming up to retirement and wanting to know my options

How has Gary Fulcher helped you?

Invested pension into drawdown

Have you seen the outcome you were hoping for?

Yes , his advice has increased my pension income.

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

My husband and I have recently moved to the UK and needed advice on pension and long term investments as well as life insurance

How has Gary Fulcher helped you?

Gary gave us great advice on investments, pension funds and insurance. He explained the financial implications and benefits of various investment and private pension schemes and managed to get us an excellent rate on life insurance. He also assisted with drawing up our wills and advising on inheritance for our family.

Have you seen the outcome you were hoping for?

Yes, we have take Gary's advice and are currently doing all our investments and pension planning through him.

What could they have done better?

Not much, Gary was willing to meet and go through any questions and various options on numerous occasions.

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

After a divorce I needed help with transferring my pension and some forward planning for retirement and with some advice re: savings and investments.

How has Gary Fulcher helped you?

Gary has been patient and has been brilliant at answering my many questions, and when a question was out of his area, he very kindly referred me to someone with experience in that area.

Have you seen the outcome you were hoping for?

I haven’t had my review yet so I’ll reserve judgment for now.

What could they have done better?

Again, I’ve not had my review… this is my first year of using an IFA, I will review again later.

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

Advice on Insurance and Protection

How has Gary Fulcher helped you?

Sorted out Life Insurance and Income Protection

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?

Needing to sort out and consolidate various pensions

How has Gary Fulcher helped you?

Gary helped me to consolidate my pensions into one pension that was appropriate for my needs

Have you seen the outcome you were hoping for?

Only just done it, so I cant comment sorry

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

Redundancy from long-term workplace, and conditions of their pension schemes for an unmarried man.

How has Gary Fulcher helped you?

In selecting a suitable pension investment account, and dealing with, at times, reluctant pension fund case workers! Gary was timely with communications, and clear with his explanations of the process of transferring pension funds.

Have you seen the outcome you were hoping for?

Current world trade conditions have had negative effects, but these are the acceptable risks of this type of investment.

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

Advice and action for Power of Attorney. Advice and action for Financial and Inheritance Planning.

How has Gary Fulcher helped you?

Advice and dealing with Power of Attorney for my wife's mother who is in care. Advice and dealing with Financial and Inheritance Planning for my wife and I.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, everything was excellent.

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

Needed better advice on insurance.

How has Gary Fulcher helped you?

He found the best insurance for my needs.

Have you seen the outcome you were hoping for?

Definitely for my needs

What could they have done better?

Nothing the service was excellent

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

After the death of my husband, Gary took away all the stress in dealing with his pensions. His service has been invaluable.

How has Gary Fulcher helped you?

He has successfully transferred pensions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

We moved from South Africa and need to start a UK pension and also invest in some savings

How has Gary Fulcher helped you?

Extremely, he explained how best to invest our funds to maximise return.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing comes to mind

Please provide a brief comment about your experience with Gary

Gary was professional and gave us good advice

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

How has Gary Fulcher helped you since your last review?

Gary has helped my Wife with ISA investment and me with pension drawdown. He is always available and provides a prompt service.

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

I had 5 separate pensions with diffrent providers.

How has Gary Fulcher helped you?

Gary consolidated these into one pot.

Have you seen the outcome you were hoping for?

Yes, my pension has increased in value over the last five years to the point I can now retire 2 years earler that expected.

What could they have done better?

Nothing, I belive.

Please provide a brief comment about your experience with Gary

Gary was recommended to us by our neighbours who use his services. We needed some advice re a pension and he was so helpful and didn’t charge us for the help he gave us. We would definitely go to him for any further financial advice/planning.

Please provide a brief comment about your experience with Gary

Very clear and helpful advice.

Please provide a brief comment about your experience with Gary

Based on the conversation I had with Gary I found him to be very knowledgeable and transparent which is what you'd expect from an IFA. If I wasn't looking at a different route concerning my pension I'd definitely use Gary's services in the future

Please provide a brief comment about your experience with Gary

Gary is very knowledgeable and reliable. He was honest and suggested that I do not need any investment service from him as I am more then capable to do it myself. He gave my lots of information and advice on inheritance tax planning. Definitely recommend him.

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

How has Gary Fulcher helped you since your last review?

Although not able to meet at the moment due to covid, Gary is always available on the phone and always returns my call promptly when he is busy.

Please provide a brief comment about your experience with Gary

Very good

Please provide a brief comment about your experience with Gary

Good initial conversation, I don't yet know what I will do.

Please provide a brief comment about your experience with Gary

Thorough and full of advise,well worth talking to

Please provide a brief comment about your experience with Gary

We chose KFP, because of there professional and personable service. We needed a Lasting Power of Attorney , as my wife's 95 year old mom wished. The attention to detail was professional and excellent.

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

How has Gary Fulcher helped you since your last review?

Always helps if I have any queries or puts me in touch with someone if it's not his area of expertise.

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

How has Gary Fulcher helped you since your last review?

Gary has continued to offer me an excellent service, and great advice, highly recommended to anyone else that needs financial advice.

Please provide a brief comment about your experience with Gary

Very helpful indeed - good listener and quickly tuned in to my circumstances and provided helpful advice. Much appreciated.

Please provide a brief comment about your experience with Gary

Gary was very helpful and professional would ring if I need any further advice.

Please provide a brief comment about your experience with Gary

I had a very positive first meeting with Gary.

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

How has Gary Fulcher helped you since your last review?

Pension transfer

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

How has Gary Fulcher helped you since your last review?

Everything is on track and I am happy with the advise given by Gary, I wouldn't hesitate in recommending Gary to anyone who is looking for financial adviser.

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

I needed to sort a pension share after divorce.

How has Gary Fulcher helped you?

Gary met up with me and explained the whole process in detail. He contacted the pension company and transferred my share along with my own personal pension to a new company more suited to my needs. He kept me informed and the process was easy for me .

Have you seen the outcome you were hoping for?

I'm more than happy with the outcome.

What could they have done better?

The whole process was smooth so I can't think of anything Gary could have done better..... Maybe a cup of cup at our next meeting if we're not covid restricted!

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

How has Gary Fulcher helped you since your last review?

Checked that I am happy with my investment levels bearing in mind the Covid situation.

Please provide a brief comment about your experience with Gary

Once connection was established, Gary provided a good response to my questions and left it to me to follow up...my preference. Thanks, Gary!

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

How has Gary Fulcher helped you since your last review?

Having been made redundant (due to the Covid-19 outbreak) it was imperative I sought ways to ensure I could still provide for my family, while retaining a sensible approach to my longer term savings & pension. There is only one person I have ever found can give the kind of advice I needed and that is Gary Fulcher. The depth and breadth of knowledge he possesses means I'd recommend him to anyone that has a pension or savings.

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

How has Gary Fulcher helped you since your last review?

He is always receptive when I call and always gives helpful advice

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

How has Gary Fulcher helped you since your last review?

Out of his hands ref market slump / coronavirus.

Please provide a brief comment about your experience with Gary

Very useful

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

Help with court order shared pension pot

How has Gary Fulcher helped you?

Did all the paperwork,set me up with a new pension advised the best plan for me, sorted my tax form , constantly chased up the pension company as they had lost my divorce papers which got resolved to my satisfaction. Nothing was to much trouble

Have you seen the outcome you were hoping for?

Yes very pleased and all was resolved,couldn't have done it without him.

What could they have done better?

Can't fault anything

Please provide a brief comment about your experience with Gary

I have had an initial meeting with Gary. He was friendly, clear and concise.

Please provide a brief comment about your experience with Gary

Explained everything I needed to know.

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

My pension needed attention and the IFA I've used for many years suggested talking to a specialist

How has Gary Fulcher helped you?

He understood my situation straight away and advised how best to resolve a tricky situation, without losing out on tax or in any other way.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

Not being someone that has any experience of handling pensions, I am not able to say what might have been done differently, but can't believe it could have been done any better

Please provide a brief comment about your experience with Gary

Very approachable and empathic. Great knowledge and gave excellent advice. I will more than likely use his services in future.

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

I had loads of pensions and wasn't keeping track of any of them.

How has Gary Fulcher helped you?

He consolidated all pensions to one new one.

Have you seen the outcome you were hoping for?

Yes, he simplified my pensions - time will tell what the outcome of his suggested scheme is!

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

Pensions advice

How has Gary Fulcher helped you?

Reviewed existing pension provisions and made recommendations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.....was available out of office hours and weekends

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

Having left HSBC with a small pension, and having a Final Salary Scheme with Lloyds, I wanted to consider my options with combining the two and look at the projections for transferring away with the flexibility that is now available in the pension market

How has Gary Fulcher helped you?

Gary guided me through the procedure of getting the information required so that a full comparison could be undertaken. He created lengthy analysis, covering off all my requirements for future spending in retirement and we discussed the advantages and disadvantages of all the options that I had available. Gary was also able to call on colleague expertise to corroborate his information and carry out an independent sense check.

Have you seen the outcome you were hoping for?

Yes absolutely more than happy with the result and the timescales involved

What could they have done better?

He kept me up to date with all proceedings, informing me what paperwork would be received and what all the reports meant, and managed my expectations really well. I did find some of the factual analysis a bit overwhelming, but that isn't Gary's fault, I guess that is the industry as a whole and the compliance that is required with a decision of this kind.

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

We wanted to write our Wills, and also invest some money we had saved, in addition we wanted to look at various Pensions and consolidate these if appropriate.

How has Gary Fulcher helped you?

Gary gave us excellent advice, explaining the reasons for his advice and also explained all the options we had. He also went over our attitude to risk and we filled in the appropriate questionnaires to determine this. We had many meetings and everything was fully explained. Gary always gets back to us quickly to respond to any queries or to go over anything we wanted further clarification on.

Have you seen the outcome you were hoping for?

We are still working with Gary on a few of our Pension issues, and yes we have had the outcomes we were hoping for overall.

Please provide a brief comment about your experience with Gary

.

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

I was unsure about my financial situation elsewhere.

How has Gary Fulcher helped you?

He looked over what I had in place already and advised on my better option.

Have you seen the outcome you were hoping for?

It's still early days.

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

reaching retirement age.

How has Gary Fulcher helped you?

explained my options in detail in a fully understandable way.

Have you seen the outcome you were hoping for?

Too early to tell at the moment.

What could they have done better?

He could have been more proactive in chasing my pension provider for a quicker responce

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

In receipt of large sum of money needed to try and increase my pension and investments return.

How has Gary Fulcher helped you?

By recommending the right company for me. Gary spent a lot of time researching and getting everything right for my needs.

Have you seen the outcome you were hoping for?

Too early to say yet but the forecast returns look good.

What could they have done better?

Tidy the office up!

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

Advice on best method to invest savings.

How has Gary Fulcher helped you?

After assessing my risk factor proposed company to invest my money in.

Have you seen the outcome you were hoping for?

No, world markets showing a down turn at the present moment.

What could they have done better?

Out of his hands, re world markets

Please provide a brief comment about your experience with Gary

Very friendly and helpful

Please provide a brief comment about your experience with Gary

Clear and concise information

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

looking for advice on how to invest savings.

How has Gary Fulcher helped you?

took time to ask thought provoking questions to establish why, what, where and how much i should/can,/able to invest including the risks, returns and rewards.

Have you seen the outcome you were hoping for?

Yes, i have more understanding and clarity on options going forward.

What could they have done better?

To be honest i dont know what i dont know so Garys questions and options helped clarity my options.

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

I had money to invest, and income from a business closure.

How has Gary Fulcher helped you?

By assessing my risk factor and finding a company to invest with.

Have you seen the outcome you were hoping for?

To soon to tell, it is a long term investment.

What could they have done better?

I am happy with every thing that has been arranged.

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

Life assurance following a serious illness.

How has Gary Fulcher helped you?

He understood my needs and gave me good advice on how to proceed.

Have you seen the outcome you were hoping for?

Yes.

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

This was an initial chat just for fact-finding purposes. I was looking for advice with regard to a mortgage renewal on my property, and advice on investments. In particular whether borrow more, pay off some of the mortgage or keep it as is.

How has Gary Fulcher helped you?

He gave me some great initial advice on how to approach my situation. It is still very early stages so I plan to check back in with him once I know more about my situation. Gary explained the risks involved in each of the paths I could take.

Have you seen the outcome you were hoping for?

I feel clearer about what I need to find out about my situation before making any decisions. I will definitely be seeking Gary's advice again once my situation is clearer.

What could they have done better?

Exactly what I was looking for.

Please provide a brief comment about your experience with Gary

Gary was very professional whilst being friendly and made things very clear. He managed to make sense of the jumble of paperwork we provided and which he is in the process of sorting out. He has given a clear indication of what is going to happen and when.

Please provide a brief comment about your experience with Gary

Very clear about objective of meeting feel confident that the best deal will be found for us, listened carefully to what we were looking for and made excellent suggestions and alternatives as to how that could be achieved. Feel better informed about next stage of proceedings

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

Need to review existing pension, and move to something more suitable.

How has Gary Fulcher helped you?

Reviewed existing scheme. Advised to move, so reviewed other options. Then set up the new scheme and payments to it.

Have you seen the outcome you were hoping for?

Yes, everything explained clearly.

What could they have done better?

Nothing really, he knows his pensions!

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

Life cover for mortgage.

How has Gary Fulcher helped you?

Found competitive quote.

Have you seen the outcome you were hoping for?

Hope so.

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

Needed to update pensions.

How has Gary Fulcher helped you?

Gave good advice and found right pension plan for my needs.

Have you seen the outcome you were hoping for?

Will see how it performs over the years.

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

Started a new business.

How has Gary Fulcher helped you?

So friendly and helpful. Looked for life insurance and public liability.

Have you seen the outcome you were hoping for?

Yes. Brilliant! Honest, explained everything so I could understand all the steps and options.

What could they have done better?

Very honest and supportive. No improvement thoroughly enjoyed learning and sorting things out for my husband and myself

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

Ensuring my young family, were financially stable should anything to happen to my health/well being whilst being the sole bread winner in the household.

How has Gary Fulcher helped you?

Gary, acted on my needs, received initial quotes for life insurance/income protection came back to me with his professional opinions and then acted on my feedback. I now have a household fully insured & protected.

Have you seen the outcome you were hoping for?

Certainly.

What could they have done better?

Not a great deal more really! He came to my office 2/3 times, I let him down in one of our arranged meetings by forgetting the appointment! So if anything you should ask him that question!

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

Reached the age of 55, had a pension that had kicked in, significant change to financial circumstances, so needed advice. First looked at Martin's Money Tips which recommended vouchedfor and I found him from through them.

How has Gary Fulcher helped you?

He explained all my possible options (some of which I would not have thought of) explained all the pros and cons which allowed me to make a decision based on the best advice.

Have you seen the outcome you were hoping for?

Yes, I received a sum which sorted out my financial circumstances in the matter that I required for the short and long term.

What could they have done better?

I can't think of anything that he could have done better. I have rated him as very good rather than excellent purely because I never award excellent since I believe that there is always room for improvement.

Please provide a brief comment about your experience with Gary

Regarding your first question I don't ever remember seeing a profile. I received a phone call from Gary who asked a number of questions to get an understanding of my income and investments. He then arranged to pay me a visit which would be free and the subsequent report would be free.

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

I needed some advice regarding an old occupational pension scheme.

How has Gary Fulcher helped you?

Gary was great! He was able to facilitate the transfer of my old dormant occupational scheme into a pension that will be actively managed and should benefit from the potential of increased fund performance. In addition,I will be able to access drawdown under the new pension freedom within its new format.

Have you seen the outcome you were hoping for?

100% yes,it was much easier than I expected because Gary knew exactly what to do.

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

Recently become self employed and do not have a pension.

How has Gary Fulcher helped you?

Discussed current situation and any pension I already had and carried out a detailed review. Considered my attitude to risk and my personal circumstances.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Gary was flexible in making appointments and gave information in a way that was easily understood, checking with me that I was clear about the decision I was making.

Please provide a brief comment about your experience with Gary

Gary is very friendly, clear and patient. We have now had two meetings and agreed a course of action. I feel confident Gary will be a great help for my finances!

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

Been meaning to get our savings and retirement planning sorted for literally years.

How has Gary Fulcher helped you?

Great advice.

Have you seen the outcome you were hoping for?

Yes.

Please provide a brief comment about your experience with Gary

He was very helpful and honest with his opinions. Thank you.

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

After purchasing our first home we needed to advice on life insurance.

How has Gary Fulcher helped you?

As first time buyers we were relatively new to the whole process, Gary talked us through our options and managed to find us a great deal on life insurance that suited both our budget and lifestyle.

Have you seen the outcome you were hoping for?

Yes, we are comfortable knowing that we are covered for unfortunate circumstances which gives us peace of mind. All at an affordable price that we would not have been able to find without Gary's knowledge.

What could they have done better?

Nothing, Gary was a great adviser. Made us feel very welcome and comfortable. Would certainly recommend to anyone looking for financial advice.

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

To get the best insurance deal from someone who understands the official jargon.

How has Gary Fulcher helped you?

He made sure I had considered all my options and that I got the correct policy to suit my needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I feel that Gary met my needs and therefore do not believe anything more could have been done.

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

Having a young family meant that I needed to secure their future should anything happen to me.

How has Gary Fulcher helped you?

He went through my needs in great detail and then proposed different scenarios based on different policies available to me until I found one that ticked all the boxes. I never felt pressurised in regards of time or commitment.

Have you seen the outcome you were hoping for?

More than happy as I was informed about trusts etc as to best secure the future for my family in a timely manner should the worst happen.

What could they have done better?

On this occasion I don't feel there is anything else that Gary could have done better than he did. He was extremely thorough when helping me decipher what policies were perfect for what I wanted.

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

I was very much concerned about my future.

How has Gary Fulcher helped you?

He made me understand what I was able to earn from my investment to its full amount.

Have you seen the outcome you were hoping for?

More than happy.

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

Me and my partner just brought our first home together.

How has Gary Fulcher helped you?

He helped us find the best life cover and also sickness and illness cover for our circumstances. He gave sound advice throughout so we fully understood what we getting, Gary knows his stuff!.

Have you seen the outcome you were hoping for?

Yes he got us great cover, at a great price!.

What could they have done better?

Nothing can't knock him, would definitely use again.

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

I was in need of pension planning advise.

How has Gary Fulcher helped you?

Gary completed a full review.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing he was very professional

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

Having a dangerous job, I need to ensure that I had a policy in place in case I had a serious accident at work.

How has Gary Fulcher helped you?

Gary spoke to me about different types of cover I could get and advised me on what he thought would be the best one to suit my needs and budget.

Have you seen the outcome you were hoping for?

Yes, the policy is cheaper than I thought too which is a bonus.

What could they have done better?

Nothing, everything was perfect.

Please provide a brief comment about your experience with Gary

Gary cancelled as he was unwell so the comments are not a true reflection but had to put in a score to allow me to send

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

age related and forward planning for eventual care needs.

How has Gary Fulcher helped you?

sound advice.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

nothing yet

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

Policy's coming to an end.

How has Gary Fulcher helped you?

Gary reviewed my life cover.

Have you seen the outcome you were hoping for?

Yes he saved me money with a better policy.

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

I became self employed and therefore had to set up a pension plan.

How has Gary Fulcher helped you?

Gary advised me as to which plan would be suitable for me, and did all the leg work in setting everything up.

Have you seen the outcome you were hoping for?

I have been very pleased with the progress of my pension so far and have kept up to date with all the details.

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

Needed advice on inheritance tax and my pension scheme.

How has Gary Fulcher helped you?

He advise me on how to limit the amount of inheritance tax my children would have to pay in the event of my death and how to release some of the pot of cash in my pension scheme.

Have you seen the outcome you were hoping for?

Yes on both counts.

What could they have done better?

Not a lot really. He came to my house and asked all the relevant questions relating to my needs and within a few days had returned with good advice, which I have taken up.

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

Review of all my pensions.

How has Gary Fulcher helped you?

I had 4 pensions with 4 different pension providers and therefore I needed to understand the best way I could manage my financial planning and to get the best investment advise and understand all the risks involved. The existing plans had not been reviewed for many years and needed a lot of work to bring them altogether and this is where Gary's came in and gave me sound advise in order to maximise my potential capital growth.

Have you seen the outcome you were hoping for?

Yes, Gary has managed to secure a larger transfer value of 2 of my larger pensions and he is currently working on the others to bring them into 1 pension.

What could they have done better?

Nothing I don't think, I was happy with his advise and recommendations Gary made. I am aware of the different range of investment products, some carry high risks, however I feel the balance is correct and hopefully with Gary's advise over the coming years, my pension pot will grow giving me a good retirement pot?