Rebecca Harbrow

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

Rebecca took over from my adviser who retired.

How has Rebecca Harbrow helped you?

Thorough review of all my finances to maximise returns.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They couldn't.

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

Pensions advice

How has Rebecca Harbrow helped you?

She has helped give me financial security.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Rebecca Harbrow helped you since your last review?

Rebecca keeps us informed about the growth of our porfolio and methods to help with tax efficiency annually and as needed.

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

Felt confident and trusting.

How has Rebecca Harbrow helped you?

As above

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 have been with Rebecca for a number of years so the responses above are part of our annual financial review etc.

How has Rebecca Harbrow helped you?

Rebecca has checked our life insurance policies, provided information about forthcoming mortgage market/ renewal, financial planning tools. General financial advice for myself and my husband.

Have you seen the outcome you were hoping for?

Yes so far the outcomes of our advised financial planning have been as expected.

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

How has Rebecca Harbrow helped you since your last review?

She has helped me because bridge a difficult time financially

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

How has Rebecca Harbrow helped you since your last review?

Comities to support our savings, investments and mortgage actions

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

I wanted to set up a company bond/pension and consider more ISA's

How has Rebecca Harbrow helped you?

By doing all the above, the annual check ins are great!

Have you seen the outcome you were hoping for?

Yes, I am going to discuss future life plans in my next meeting

What could they have done better?

Nothing

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

Investments and savings advice

How has Rebecca Harbrow helped you?

Rebecca has given me a much better understanding of where my money goes and how best to use it. In the past I have found many aspects of financial advice confusing but Rebecca explains it well and in a much more relatable way! She is personable, honest and efficient and I really feel I can trust her.

Have you seen the outcome you were hoping for?

Yes. So far she hasn't given me any wrong advice and my finances are definitely in a better state than before!

What could they have done better?

Not much to be honest!

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

My finances became more complex and I needed an expert to help me manage them optimally.

How has Rebecca Harbrow helped you?

Rebecca has helped me make sense of the complexity in my finances. From tax planning to improved returns on my investments, she's been excellent.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing major

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

Initially was help with getting a mortgage.

How has Rebecca Harbrow helped you?

She has helped with getting a mortgage. She has helped with getting a pension and also opening junior ISA’s for our 2 children.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Very happy with the service that has so far been provided.

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

I wanted some advice on investments and pensions. I had money saved and in a pension but I wasn't happy with the long term benefits.

How has Rebecca Harbrow helped you?

Rebecca explains every investment in full. She has explained the various levels of risk with investments and always answers all my questions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

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

I like to review Pensions etc. annually

How has Rebecca Harbrow helped you?

She has answered queries in a timely manner and clearly explained any options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't bring to mind any aspect that needed improving

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

I needed specialist advice.

How has Rebecca Harbrow helped you?

She has provided quality advice based on thorough research. She is always available to answer questions, which she does patiently and competently, however naive the questions are.

Have you seen the outcome you were hoping for?

Yes. Good returns on investments.

What could they have done better?

No improvement is immediately obvious to me.

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

How has Rebecca Harbrow helped you since your last review?

Rebecca is constantly there for ongoing support.

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

Recently retired and required assistance on best course of action

How has Rebecca Harbrow helped you?

Provided guidance in accordance with my risk appetite

Have you seen the outcome you were hoping for?

Against adverse market conditions loss performance was minimilised. Plan put in place for next 12 months based upon risk appetite

What could they have done better?

Nothing

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

Needed advice on remortgages and pensions

How has Rebecca Harbrow helped you?

Rebecca gave brilliant advice and guidance mortgages and making the best of a number of small pension pots

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?

Needed advice on current mortgage and pensions

How has Rebecca Harbrow helped you?

Rebecca advised on how to pool pensions together and types of mortgages available

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?

Looking to streamline my finances and get a better return on them.

How has Rebecca Harbrow helped you?

Provided advice and assistance with getting my affairs in order.

Have you seen the outcome you were hoping for?

I not been here that long so I yet to see.

What could they have done better?

Nothing

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

I recently started a new role and become a sole trader so I felt it important to reach out to an adviser to support me in my journey!

How has Rebecca Harbrow helped you?

Rebecca has provided me with a knowledgeable service and has made me feel more confident in my finances and plan for my business.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

N/A

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

Late 50s and multiple pensions

How has Rebecca Harbrow helped you?

Consolidated pensions and advised where to invest and recommended lawyer for a Will.

Have you seen the outcome you were hoping for?

Too soon

What could they have done better?

Better communication with junior staff - bit slow to reply and answer my questions.

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

How has Rebecca Harbrow helped you since your last review?

Rebecca has continued to advise and update me on pension matters. Still very happy with service.

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

Advice on elderly mother’s finances

How has Rebecca Harbrow helped you?

Mortgages, pensions, investments, savings

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

Savings advice

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

I was looking for an adviser who would help me get more out of my savings and also review my pensions as I had a few pots from different jobs over the years and was unsure about my future income.

How has Rebecca Harbrow helped you?

Rebecca has been fantastic. She and her team are responsive and they have not only met my needs with regards to savings and pensions but she has also given me more confidence in my finances and future planning.

Have you seen the outcome you were hoping for?

Absolutely!

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

How has Rebecca Harbrow helped you since your last review?

Rebecca isn’t just an advisor, she takes the time to really get to know you and what you need and want, and puts the effort in to find the right solution.

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

I wanted to invest money and I had know Rebecca for over a year and I knew she could help me

How has Rebecca Harbrow helped you?

She has suggested a fund to invest in, helped with my pension and other allowances.

Have you seen the outcome you were hoping for?

Yes definitely, Rebecca is very knowledgeable and she helped me immensely.

What could they have done better?

Nothing. Rebecca and her company were very professional and supportive

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

Needed help and advice on drawing my 25% tax free lump sum from my pension pot and reinvestment of the remainder.

How has Rebecca Harbrow helped you?

Rebecca undertook the whole process on my behalf and acted quickly and efficiently in getting the transfer completed. I now have my 25% tax free lump sum and the remainder of my pot has been reinvested.

Have you seen the outcome you were hoping for?

Very happy and satisfied with the outcome. I had no idea of the process before speaking with Rebecca. She made it a lot clearer for me.

What could they have done better?

As I was totally in the dark over pension drawdowns etc. no judgement could be made in this respect.

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

Clear explanation and advise regarding my options

How has Rebecca Harbrow helped you?

Investment

Have you seen the outcome you were hoping for?

It's early days but I am clear on my solutions and options

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

We needed a mortgage.

How has Rebecca Harbrow helped you?

They provided what we needed efficiently.

Have you seen the outcome you were hoping for?

Yes

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

Investment advice

How has Rebecca Harbrow helped you?

Helped sort all our financial affairs and helps and advises year on year

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?

I needed to think about my penion.

How has Rebecca Harbrow helped you?

She made it all seem quite easy.

Have you seen the outcome you were hoping for?

So far yes.

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

Looking to transfer my pension to a new plan and set up critical care cover.

How has Rebecca Harbrow helped you?

As above

Have you seen the outcome you were hoping for?

Yes I am very pleased.

What could they have done better?

not sure

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

Self employed and wanted pension/financial advice

How has Rebecca Harbrow helped you?

She is very clear in her explanations - very reassuring and professional.

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?

Needed help knowing where to start to set myself up for the future

How has Rebecca Harbrow helped you?

Certainty in planning and feeling I was doing what I could to set myself up well for the future

Have you seen the outcome you were hoping for?

In progress for now

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

We have always used a financial advisor since 2006 to provide mortgage and general financial planning.

How has Rebecca Harbrow helped you?

Rebecca has helped us with remortgages since 2011 and financial planning for children's education costs etc.

Have you seen the outcome you were hoping for?

Yes we seen positive outcomes from the financial planning proposals Rebecca has provided.

What could they have done better?

We've been satisfied with the services provided, carried out in a professional and friendly manner.

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

Wanting to invest

How has Rebecca Harbrow helped you?

Creating a portfolio

Have you seen the outcome you were hoping for?

Too early to say

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

Mortgage renewal

How has Rebecca Harbrow helped you?

Rebecca found a mortgage deal that saved me money on my monthly repayments, that also has conditions that suit my personal situation, potentially saving me £1000s if I were to move.

Have you seen the outcome you were hoping for?

Yes. I saved money, and gained more flexibility going forward.

What could they have done better?

N/A

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

Opening my own business and wanting to explore pension options

How has Rebecca Harbrow helped you?

Did a thorough review of my circumstances and recommended some options to me.

Have you seen the outcome you were hoping for?

Not yet as it is too early.

What could they have done better?

They did everything well and I was very pleased with the service

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

As a mother of two I needed some support to start planning financially For mine and My children’s future .

How has Rebecca Harbrow helped you?

Rebecca has been such a great support and has really encouraged me to dig deep and take an honest hard look at my financial goals !

Have you seen the outcome you were hoping for?

By following just a few simple steps I’ve saved 1k and that’s just the beginning .

What could they have done better?

Nothing .

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

Approaching retirement

How has Rebecca Harbrow helped you?

Advice and help

Have you seen the outcome you were hoping for?

Remains to be seen. Not retired yet.

What could they have done better?

Don’t have enough experience to know what would be better.

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

Buying a property.

How has Rebecca Harbrow helped you?

Rebecca was excellent in helping us get the mortgage we needed for buying a property. We had the attention we are looking for, and felt very confident in following her advice for selecting the best mortgage and life insurance.

Have you seen the outcome you were hoping for?

Rebecca has found an excellent mortgage and life insurance to protect the mortgage with very low rates. I can say that it was over our expectations!

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

As a portfolio landlord, I wanted a financial advisor to act as a mortgage broker to obtain mortgage lenders to best suit my needs

How has Rebecca Harbrow helped you?

Rebecca and her team continue to find me the best lenders to suit my circumstances. They are diligent and quick at responding

Have you seen the outcome you were hoping for?

Most definitely.

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

Buying a property and expecting our first baby meant we need to protect ourselves in the future.

How has Rebecca Harbrow helped you?

Helped with life insurance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. The team were very helpful and quick to respond.

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

I needed a critical illness and life insurance this time, last time Rebecca helped me with mortgage advise.

How has Rebecca Harbrow helped you?

Rebecca helped me with my insurance, mortgage and introduce me to array of networking groups which helped in my photography business too. She is an angel, super helpful anytime of the day or evening.

Have you seen the outcome you were hoping for?

Yes, i have got the best insurance and mortgage advise.

What could they have done better?

She is the best of bests in London. She gives such honest advise, don't think there is any room for improvement for such amazing professional.

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

Previous financial adviser was no longer available.

How has Rebecca Harbrow helped you?

Recommending good investments having listened to our objectives.

Have you seen the outcome you were hoping for?

It's early days at the moment but I think we will.

What could they have done better?

Again, it's a bit early to comment on this.

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

Required mortgage with value higher than was justified by earnings

How has Rebecca Harbrow helped you?

Secured a mortgage for amount requested at lowest rate of interest possible at the time for a 5 year fixed rate mortgage

Have you seen the outcome you were hoping for?

Yes

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

Looking to remortgage our house to finance an extension.

How has Rebecca Harbrow helped you?

Fantastic communication from Rebecca's team from start to finish. Her mortgage specialist, Sarah, worked tirelessly to source us the best mortgage rate and communicated everything to us in a timely fashion. We were also offered appropriate insurance products, and at no point felt subject to any 'hard selling' which was a real bonus.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No recommendations to make - an excellent service all round from Blue Heron.

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

I needed to renew my mortgage.

How has Rebecca Harbrow helped you?

Rebecca found me the best rates and explained the different types of mortgage.

Have you seen the outcome you were hoping for?

Yes - I now have a tracker mortgage which is what I wanted as I would like to move shortly.

What could they have done better?

Nothing.

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

To change mortgage

How has Rebecca Harbrow helped you?

She helped us get the best mortgage deal for us

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We were so pleased with her service that we can not answer this question

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

I needed to understand and track down all my different pension pots and understand the best options. This also coincided with a review of life insurance after renewing my personal mortgage and then looking at company mortgage options for a new company.

How has Rebecca Harbrow helped you?

Life Insurance, Pensions, Mortgage and Conveyance services so far!

Have you seen the outcome you were hoping for?

Yes we are currently working with Rebecca and her team

What could they have done better?

We can get hold of Rebecca and her team over the telephone or by email. The level of customer service is outstanding and they take the time to explain things in different ways to ensure you understand the different elements of the law or tax. A fantastic group of female leaders to work with!

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

Make my money work as hard as possible for me

How has Rebecca Harbrow helped you?

Advised me in line with my attitude to risk. Gave me very clear and easy to understand explanations of the products. Spent time above and beyond talking to me

Have you seen the outcome you were hoping for?

Yes

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

Required pension investment planning, insurance protection and equity release advice.

How has Rebecca Harbrow helped you?

Provided an excellent service and advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Investment and planning advice has been excellent.

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

I needed help with my investments particularly a personal pension and wanted advice as to the best way I could invest it. I also needed help with mortgages in my business and how to obtain the best rates and my partner and I were looking for insurance policies as ours needed updating.

How has Rebecca Harbrow helped you?

Rebecca gave me the best solution to invest my pension. My partner and I have now opened new insurance policies which are much more fit for purpose than we had. We are also in the throes of re-mortgaging several properties.

Have you seen the outcome you were hoping for?

Yes I have successfully invested my pension plan. We are re-mortgaging properties on very reasonable rates and we have set up new insurance policies.

What could they have done better?

Considering we have been working through the Covid 19 pandemic I feel that Rebecca and her team have done a great job!!

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

I was buying a house and needed a financial advisor

How has Rebecca Harbrow helped you?

For a self-employed person like me, I needed help finding the best mortgage and didn't know where to start. Getting in touch with Rebecca at Blue Heron was the first step, I was extremely happy with the mortgage she found me, genuinely better than I thought it would be. Rebecca was also really good at making me aware and explaining any insurances that could benefit me in the future.

Have you seen the outcome you were hoping for?

Absolutely. Rebecca, in fact the whole team at Blue Heron, worked really hard in getting me the best financial solution possible.

What could they have done better?

I'm not sure. I got a better result than I expected and it was always a pleasure working with Rebecca.

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

life

How has Rebecca Harbrow helped you?

financial planning

Have you seen the outcome you were hoping for?

yes

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

I set up a limited company and needed advice for pension,insurances and long term planning

How has Rebecca Harbrow helped you?

Rebecca helped to set up my pension, life insurance and sick cover insurance

Have you seen the outcome you were hoping for?

Absolutely - the advice she gave was clear, easy to understand and educated me on different insurances I did not know existed!

What could they have done better?

Nothing - her service is professional, efficient, and very clear!

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

I was looking to find a competence person to advise me on Competitive mortgage products.

How has Rebecca Harbrow helped you?

Her advice is always clear and precise in terms of mortgage products finding

Have you seen the outcome you were hoping for?

Yes, of course

What could they have done better?

Upfront mortgage fees she has Been charging found bit expensive as most of the lenders are paying her from product fees. If she can lower the upfront fees, it would be a turning point for her to attract more clients in long run.

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

My husband and I had needed help to get a mortgage because of our unique circumstances.

How has Rebecca Harbrow helped you?

Rebecca and the team worked hard to find us a mortgage with a great rate. We returned to Rebecca a few months later and she set up an insurance policy for us.

Have you seen the outcome you were hoping for?

Yes everything was sorted.

What could they have done better?

Nothing.

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

We needed to consolidate our pensions and investments as a newly wedded couple

How has Rebecca Harbrow helped you?

Rebecca provided invaluable advice which was very well tailored to us, bearing in mind that my partner finds it difficult to discuss money. She was very professional and patient with our hesitations and changes of plans and has accommodated us through the last two years by facilitating meeting personal financial needs.

Have you seen the outcome you were hoping for?

Yes, we have been able to successfully save and invest and protect our financial future.

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

My husband had passed away a few months before I met Rebecca and I needed to make sense of our numerous different small pension pots and savings accounts

How has Rebecca Harbrow helped you?

Rebecca consolidated everything for me via Zurich leaving a few things out of the pot where it made more sense to do so. She was incredibly diligent and professional and I had a huge amount of trust in her. She told me "my goal is for you not to have to worry about this". And she achieved this.

Have you seen the outcome you were hoping for?

My investments have performed well so far and having everything consolidated has taken away that whole stress of managing scores of different statements and accounts.

What could they have done better?

I honestly can't think of anything

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

I found out that my existing IFA of 15 years was charging me a very high amount per month and I hadn't been made aware. I had met Rebecca through a networking group and been very impressed so I went to her for trusted advise.

How has Rebecca Harbrow helped you?

She reviewed my private and work pension and put new products in place. Rebecca helped me understand and supports me on an ongoing basis. She is now reviewing my husbands 4 pensions and I don't feel the need to look into her findings, I have a level of trust that means we will go with her suggestions.

Have you seen the outcome you were hoping for?

Absolutely

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

Investment of proceeds from Sale of elderly mother’s house

How has Rebecca Harbrow helped you?

Investments but then sorted our main finances - mortgage, pensions etc

Have you seen the outcome you were hoping for?

Yes

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

I met Rebecca at a networking event and felt instant trust

How has Rebecca Harbrow helped you?

Setting up alternative savings and pensions opportunities

Have you seen the outcome you were hoping for?

Too soon to tell but am very happy with the service so far .

What could they have done better?

N/A