Nikki Zammit

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

How has Nikki Zammit helped you since your last review?

Nikki has been outstanding and his service is first class. Patient, approachable, pro-active, knowledgeable and seemingly always on hand. I can not recommend him highly enough.

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

How has Nikki Zammit helped you since your last review?

To review our circumstances and check everything is performing as well as possible. To move funds into more appropriate products.

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

How has Nikki Zammit helped you since your last review?

Nikki has been fantastic with helping me understand and maximise my financial situation as we were doing a big house renovation and extension, given that there were not only cashflow challenges but tax implications too. He's also just been very supportive generally, especially given that we're both fathers of young families so he understands the context very well.

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

Inheritance and change of circumstances with existing adviser

How has Nikki Zammit helped you?

Amalgamated separate pensions and savings to work more efficiently and effectively.

Have you seen the outcome you were hoping for?

We have, investments have been reliable even during downturns.

What could they have done better?

Not a lot at all, Nikki has always explained all options very clearly and given us choices that suit us.

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

I first met Nikki whilst he was Manager at Branch of HSBC and I had a sum of Inheritance to invest. Nikki was very helpful in his advise and I was very comfortable to re invest once I had found out that he had become an independent advisor.

How has Nikki Zammit helped you?

Nikki has always been clear and spoken in a way I can understand both the benefits, but also the risks. He has helped look at investments for me as I approach retirement age with a good spread of investments.

Have you seen the outcome you were hoping for?

The outcome's have not been perhaps as good as I'd of liked, but this has been more to do with the backdrop of World issues such as Wars, Covid and Market uncertainty.

What could they have done better?

Most investments have been positive, however I still feel the VCT's have some way to go, before I will see the benefit.

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

Nikki is primarily the financial advisor to my husband but has treated us both as a joint unit in his approach to many of the impactful elements of advice.

How has Nikki Zammit helped you?

He has helped us duly consider all elements in our attempt to foolproof our mid - long term plans which includes a fairly imminent (me) and short term retirement goal. He also, without question, helped me address an imbalance in my work pension plan. He has also given advice and confidence on our decision to fund a second home short term based on the dual investments we have, not all under Nikki's portfolio (mine held elsewhere).

Have you seen the outcome you were hoping for?

Yes, Nikki's advice on my work pension has improved the returns although the market is volatile but I do believe the overall projections to be more sound. I have entered into 2 years of VTC investments with Nikki. The tax returns are a bonus and primarily the reason for the investment but the overall success of the VTC has not been that successful but will hopefully improve over time.

What could they have done better?

Nikki has been very respectful of my relationship with my financial broker but maybe could be a bit more bullish on what the future could achieve if we look at future moves of both my work pension and other investments.

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

An inheritance

How has Nikki Zammit helped you?

Nikki gives very sensible advice that is personalised to the needs of the customer and their individual circumstances.

Have you seen the outcome you were hoping for?

Yes!

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

How has Nikki Zammit helped you since your last review?

As well as regular financial planning and pension advice, Nikki has now provided advice for stock and investment options.

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

It was time to think about planning for retirement.

How has Nikki Zammit helped you?

Advice and guidance on options available

Have you seen the outcome you were hoping for?

Yes I feel much more knowledgeable about pensions options and happy with current plans.

What could they have done better?

Absolutely happy with Nikki and his team.

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

Inherited some money from my late wife and wanted advice on how to make it work for me and my kids

How has Nikki Zammit helped you?

Found me the perfect investment that matched my needs

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

Nothing

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

How has Nikki Zammit helped you since your last review?

Nikki always goes above and beyond for me and I would imagine for all his clients. He keeps me informed and updated in all matters relating to financial planning, pensions, investments and savings. He is always available to discuss any concerns and provide very sound advice

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

How has Nikki Zammit helped you since your last review?

Nikki has helped me understand the different investment options better and assisted with my pension planning and pension transfer from one provider to another.

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

How has Nikki Zammit helped you since your last review?

Nikki has helped me to stay on top of my finances and as I get nearer to retirement, to ensure that I am on track to have the retirement I would like to have.

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

I wanted to improve on the pension I had through work.

How has Nikki Zammit helped you?

He throughly explained everything to me and listened to what my wishes were for my retirement and showed me how I could achieve that.

Have you seen the outcome you were hoping for?

I have a few years to go until I will see if outcome will be achieved but have every faith in Nikki’s expertise to make it happen

What could they have done better?

N/A

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

How has Nikki Zammit helped you since your last review?

Made sure we were happy with our choices and how we were proceeding forward

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

How has Nikki Zammit helped you since your last review?

Nikki has helped me place a fairly large portion of savings into an investment portfolio. So far, the investment really has flourished and Nikki’s support has been fantastic! I am really looking forward to a long and prosperous relationship with Nikki in control of my finances!

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

How has Nikki Zammit helped you since your last review?

Continued to maximise my financial investments

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

How has Nikki Zammit helped you since your last review?

Life insurance and Pension.

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

Dissatisfaction with my adviser at the time

How has Nikki Zammit helped you?

He has given me clarity and direction with our financial planning

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I could not recommend Nikki highly enough

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

Objectivity in assessing options, access to a range of financial products.

How has Nikki Zammit helped you?

Nikki has been an invaluable help to me. He has taken time to get to know my situation, my objectives etc and has tailored his advice accordingly.

Have you seen the outcome you were hoping for?

Yes, absolutely.

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

Change of existing adviser at the company I was with previously. Lack of any advise from year to year

How has Nikki Zammit helped you?

Advised on the different and more efficient way to invest our Pensions.

Have you seen the outcome you were hoping for?

When we transferred our investments the world was a different place so have not seen the growth that that was at that time hoped for.

What could they have done better?

Other than changing world events I still think the advice we have had was right as our investments have generally flatlined.

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

To get advice on the best way to invest and save money

How has Nikki Zammit helped you?

He has given balanced advice based on understanding our needs and approach to investing and helped us to make informed decisions.

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?

The birth of my children was a big driver in me looking deeply and more long-term at my finances, and generally the desire to be optimal and efficient with them moving forward.

How has Nikki Zammit helped you?

Nikki helped bring over my various pensions into one central fund, he's been extremely helpful in working out the best plan for my investments and also generally on managing my money in the short-, medium- and long-term. Nikki has been a font of knowledge on all the areas we've discussed, and he's a lovely person to work with.

Have you seen the outcome you were hoping for?

Yes, absolutely. Nikki has been fantastic,

What could they have done better?

N/A!

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

Was recommended Nikki by a associate

How has Nikki Zammit helped you?

Massively, especially transferring my pension to a better performing product, setting me up a good saving isa and arranging life insurance after I became a dad

Have you seen the outcome you were hoping for?

Yes 100%

What could they have done better?

Nothing, he has been brilliant

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

Nikki was initially recommended to me through a friend. We used him initially to provide advice and recommendation around pension policies. We have since used Nikki for a variety of other insurance and finance planning matters. He is now a regular trusted advisor to myself and my wider family.

How has Nikki Zammit helped you?

Nikki has provided a number of professional financial services to myself and my family.

Have you seen the outcome you were hoping for?

Nikki was integral in setting up my pension and has since provided further financial planning guidance

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

We consulted Nikki with our Life Insurance.

How has Nikki Zammit helped you?

Nikki helped us to take out a new life insurance cover for our family.

Have you seen the outcome you were hoping for?

Yes absolutely, Nikki was able to guide and advise us of the protection cover we needed for our family.

What could they have done better?

Nothing, Nikki was great- quick, professional and friendly. He understood our needs and provided us with all the advice we needed.

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

Financial planning is not my strong point and I had money to invest. Nikki has been particularly helpful in all aspects of financial planning, mortgages, investments and pensions

How has Nikki Zammit helped you?

He has explained very clearly how all financial planning as stated above works and how it can work for me. He has helped me through his advice sharing all the facts, allowing me to make the decisions best for me. He also keeps me informed on a regular basis.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing...he goes above and beyond. He has also been extremely supportive and helpful during a very stressful time in my life. I trust him implicity.

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

I was considering early retirement but was unsure if I could afford to stop working.

How has Nikki Zammit helped you?

Nikki has provided comprehensive forecasts and advice about how to manage my funds and ensure I can enjoy my future.

Have you seen the outcome you were hoping for?

I have left work and am enjoying the early days of my retirement, I would not have taken this step without Nikki's advice.

What could they have done better?

I cannot fault the service Nikki has provided, professional, comprehensive yet he explained and made accessible all the information to me, someone with limited understanding of financial planning.

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

I wanted to get general advice on financial planning and managing investments.

How has Nikki Zammit helped you?

He did a review of our finances and helped to put together a plan to achieve long term financial goals.

Have you seen the outcome you were hoping for?

I've learned a lot throughout this process, and I am still learning thanks to Nikki's help, support and expertise.

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

Following my Father's passing, I was lucky enough to inherit a sum of money but needed additional external support to advise on what the next best steps

How has Nikki Zammit helped you?

Nikki has made what felt at first a daunting task instead an easy and effortless process using both Nikki's extensive knowledge and proactiveness to really help me through each step in my financial journey

Have you seen the outcome you were hoping for?

Exactly the outcome that Nikki advised on so most definitely was the outcome

What could they have done better?

Nothing, everything has been excellent

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

I was looking for some advice relating to my retirement planning to ensure that my pensions, investments and savings were adequate and to maximise the return on my finances.

How has Nikki Zammit helped you?

Nikki helped me to articulate my retirement plans clearly and then worked through my income and expenditure methodically to illustrate potential future scenarios. The planning was very detailed and took account of various different outcomes, such as working part time, retirement age, types of investments I can make and how much flex my plans would have.

Have you seen the outcome you were hoping for?

I am now much clearer on my retirement options and I feel reassured that I have plans in place to ensure my standard of living is maintained even when I reduce my hours and eventually fully retire. I can now stop worrying about finances and enjoy planning my retirement instead.

What could they have done better?

Nothing! Nikki communicated well, he sent me some information before we met so I could have all of the details he needed to hand, and he followed up afterwards. Nikki was very professional and made me aware of any risks that existed, for example my SIPP is in an 'adventurous portfolio', which enabled me to make my own decisions utilising his expert guidance.

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

My wife and I were taking our our first mortgage together and wanted advice on our life critical illness and income protection options so that we knew we'd be safe in our home no matter what happened.

How has Nikki Zammit helped you?

Nikki took all the stress and guess work out of the process. He has listened carefully to our needs, given clear helpful advice and left us feeling happy and confident about our finances. With Nikki, we've put in place the right mix of policies to protect us in a range of circumstances. Since then we've also sought Nikki's advice to manage our pensions and other investments.

Have you seen the outcome you were hoping for?

Yes. The protection policies that Nikki recommended covered all of concerns and and give us peace of mind. In reviewing our pensions and other investments we have been able to put in place long term strategies that make us feel confident about our financial future.

What could they have done better?

We are completely satisfied with everything Nikki has done for us and there is nothing that could have been done better.

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

Extension plans needed to remortgage

How has Nikki Zammit helped you?

Facilitated the request

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

I am due to have a child soon and it really hammered home that I really needed something in place to ensure my family's long term future is taken care of.

How has Nikki Zammit helped you?

Nikki spent hours with me running through all the different options available to me. I really wasn't very well educated on this kind of thing so had untold questions but nothing seemed a bridge too far for Nikki and he really did go over and above to make sure all our concerns were addressed before offering advice. The products Nikki advised, and subsequent put in place for us, really made my wife and I feel like our future, and the future of our children, really were in a safe pair of hands and I couldn't be more grateful for Nikki's advice and service.

Have you seen the outcome you were hoping for?

100%! We could not have been happier with the end result and cannot thank Nikki enough, he really was amazing throughout the process!

What could they have done better?

Nothing, Nikki was fab!

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

After saving into my workplace pension for many years, and seeing it grow to a substantial amount, I wanted to make sure that it would see me through my retirement. I was keen to ensure that my money was in safe hands and under the supervision of a trusted specialist.

How has Nikki Zammit helped you?

Nikki conducted a comprehensive review of my current financial circumstances. Alongside this he took the time to understand my future plans, and from that he created a bespoke report and plan.

Have you seen the outcome you were hoping for?

Yes, I am very satisfied with the end result. It has given me comfort knowing that my finances are in safe hands. I would highly recommend Nikki to friends and family, he is both professional and personable.

What could they have done better?

Nothing.

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

I wanted to consolidate all my pensions and invest my savings. Planning my finances for the future.

How has Nikki Zammit helped you?

Nikki took his time in explaining what needed to be done/ how long it would take. He discussed all the options available to me whilst explaining everything in an understandable manner which made it much easier for me to make an informed decision. Once i decided on the route i wanted to take, Nikki provided projections for all circumstances, gave benefits and consequences and again gave me the time to consider my next steps before he put the plan into action. We have had several meetings since and he continues to update, review and support me with my finances.

Have you seen the outcome you were hoping for?

Everything we discussed was completed in totality and I continue to receive updates as to how my finances are performing.

What could they have done better?

Nothing

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

I needed help with financial issues, mortgages, life insurance amongst other things to put me at ease.

How has Nikki Zammit helped you?

Mortgage advice, Life insurance, Critical illness cover, Pension, investments etc.

Have you seen the outcome you were hoping for?

Most definitely, I would highly recommend

What could they have done better?

Nothing, more than happy with everything Nikki has done for me.

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

Financial advise

How has Nikki Zammit helped you?

8 years

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, very happy with the service.