Rachael Hall

Please provide a brief comment about your experience with Rachael

Rachael is a rarity in my experience, hugely experienced, superb clear financial advice but unlike many her emotional intelligence and empathy shines through. Financial advice is not just about understanding cold hard numbers (at which she is excellent) but it’s about listening and understanding the person. I wanted someone who was human and i could relate to for my advice , i got that in bucket loads and shrewd , balanced, highly knowledgeable and top notch financial advice as well.

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

I needed expert advice on the complexity of the NHS Pension at a time when I am approaching retirement age. She was recommended to me by a work colleague.

How has Rachael Hall helped you?

She has allowed me to understand more about where my pension is and the options are open to me which has provided me with reassurance as well as opportunities to consider that I would not probably get elsewhere particularly in view of Rachael’s knowledge around the NHS pension scheme.

Have you seen the outcome you were hoping for?

This is still work in progress awaiting further information from NHS Pensions but I feel comfortable in being supported by someone who can advise me properly in light of her knowledge and experience.

What could they have done better?

There is nothing at this stage that I would need to feedback on. Some links to appropriate resources or opinion pieces may be useful if she felt would be beneficial to allow me to understand the NHS Pension scheme better

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

Complexities due to annual allowance problems with NHS pension. Advice re separation from my wife.

How has Rachael Hall helped you?

She advised me on my pension and the McCloud ruling, and was able to give me some good financial advice related to managing my finances going forward from a separation from my wife.

Have you seen the outcome you were hoping for?

Yes, and Rachael was not at all pushy or hard-selling her financial service. She actually told me I didn’t need her at the moment and gave me enough free advice to sort my current problems out. I got in contact with her on this occasion as I had used her advice and service in the past for another pension issue. On that occasion I paid for and received excellent advice which saved me thousands of pounds.

What could they have done better?

Nothing. Honest and open and truly helpful.

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

Confusion over NHS pensions plus wanting to invest inheritance money

How has Rachael Hall helped you?

Developed a retirement plan after review of pensions Advised on suitable investment (Investment trust)

Have you seen the outcome you were hoping for?

Early days yet but happy so far

What could they have done better?

Difficult to know

Please provide a brief comment about your experience with Rachael

Rachael is supportive, a good listener and is professional. She completely understands my needs and I would recommend her to anyone who needed financial advise.

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

Assistance with forward financial and retirement planning plus advice surrounding our pension scheme.

How has Rachael Hall helped you?

She has clearly explained a range of issues to help us make informed decisions and helped us identify products that meet our needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing in particular, Rachael is lovely to interact with, explains things clearly and she and her team respond promptly to any issues.

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

NHS pensions issues - Rachael specialised in NHS pensions, word of mouth recommendation

How has Rachael Hall helped you?

A personalised approach - taking the time to understand my situation , concerns, priorities and guided me through the process

Have you seen the outcome you were hoping for?

Regarding pensions - yes . Investment and savings plan in place

What could they have done better?

not much else ( Maybe admin/organisation ?had to send some information through twice on 1 occasion)

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

Rachael has for more than 15 years provided excellent advice for me in the complex world of HS pensions, including annual allowance tax risk and more recently draw down of my pension and deferred sums

How has Rachael Hall helped you?

Excellent, calm and considered advice that I am sure has led to a wiser outcome for me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Rachael's advice has been first class and I do not think I could suggest a further improvement.

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

NHS pension and death benefits

How has Rachael Hall helped you?

Rachael provided an outstanding service to my husband regarding his NHS pension after his diagnosis of terminal illness. She has continued to provide invaluable advice to me regarding savings and investments and my own NHS and Civil Service Pensions since his death.

Have you seen the outcome you were hoping for?

The outcome has surpassed my expectations

What could they have done better?

Nothing

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

I had a complicated Pensions contributions record with the NHS, which only became evident after contacting Rachel around 2 years ago, when I had contacted her for initially general advice, although the differing figures received from the NHS were hinting that I had a problem. Having discussed this with my Accountant it was she who recommended Rachael to me.

How has Rachael Hall helped you?

Rachel (and her excellent Team) strove tirelessly in the background to resolve my figures with the NHS and PCSE. At times it felt like little was happening but every few months she would give me an update which clearly showed she had made significant progress and information started appearing from NHS BSA suggesting my Pension figures were becoming more transparent. However, Rachel showed her true worth in remarkable fashion as the Pension was just about to complete. During the application process I was unlucky enough to develop a significant and serious illness. I contacted her to tell her this news not expecting her to do anything with it other than commiserate but she immediately noticed that I could make a Tier 2 ill-health claim on the 2015 part of my Pension (my 1995 Pension would continue as an age-related normal Pension claim at age 60y), and this led onto the Tier 2 ill-health claim being converted to a Terminal Illness Benefit rather than a Pension. The end-result is that I now have a lump sum (rather than a Pension) which is of far greater value than my simple 1995 Pension and does not end upon my death. Although I gain nothing material from this I now have the peace of mind of knowing for definite that my Wife and Son will be well financially secure following my demise, and being able to look at actual sums of money means that my Wife will be able to take further financial advice with a degree of security that she may not have had before. I was very impressed by Rachel's actions over the above and I do wonder if anyone else would have noticed this - which would have meant I would have received a much lesser amount.

Have you seen the outcome you were hoping for?

Yes - and much more.

What could they have done better?

Rachel could not have done anything better. Without Rachel's help I am convinced that I would be sitting now almost 2 months after my pension payment date with this terrible illness not having received my Pension, and if I had it would be much smaller than I have now. I cannot recommend Rachel highly enough.

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

I was looking to get some advise on investing a large sum of money I received after a family death.

How has Rachael Hall helped you?

She has went above and beyond to advise and help me understand where to invest my money. She really made me feel at ease.

Have you seen the outcome you were hoping for?

Yet to see results only just invested.

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

Being a GP partner but also receiving 4 or 5 payslips a month from the ICB in the NHS.

How has Rachael Hall helped you?

Confidence and peace of mind. What happens if I kark it.

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?

Investment of retirement lump sum.

How has Rachael Hall helped you?

Helped me sort out my pension application, and then invest my lump sum. Then looked after my portfolio since.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really. Not the greatest economic times but that’s just the way it is.

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

Problems accessing my NHS pension

How has Rachael Hall helped you?

She advised me how to cancel enhanced protection, and apply for individual protection instead

Have you seen the outcome you were hoping for?

yes

What could they have done better?

a quicker reply, but i think she was on holiday.

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

I needed advice regarding my NHS pension to help with planning for the future.

How has Rachael Hall helped you?

Rachael clearly has an excellent understanding of the NHS pension system and is able to tailor her advice to my individual situation.

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?

NHS Pension

How has Rachael Hall helped you?

Vast knowledge of all aspects of the NHS pension and individual reports

Have you seen the outcome you were hoping for?

Definitely

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

NHS pension problems.

How has Rachael Hall helped you?

Investigated the pension issues I was having thoroughly, and identified the cause. Gave me clear advice to resolve the issues.

Have you seen the outcome you were hoping for?

Yes. Better than I was expecting. I I ended up receiving money owed from my employer when before the process it seemed that I was saddled with a large unexpected tax bill. This has now been resolved.

What could they have done better?

Nothing. Excellent service, thanks.

Please provide a brief comment about your experience with Rachael

Very impressive package offered on fist consultation, Rachael clearly has thought in detail about what is required to offer a holistic package of financial advice (I am a senior medical consultant).

Please provide a brief comment about your experience with Rachael

Concise focussed meeting with clear plan to resolve financial problems - have already recommended to a colleague

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

Nhs pensions and the implications of the Mccloud judgement. Retirement planning for the future.

How has Rachael Hall helped you?

Rachael has been amazing! She explained all the options available to me and gave me some valuable advice on planning financially for the future. I now have a clearer idea of my goals and how to achieve them.

Have you seen the outcome you were hoping for?

I have only spoken to Rachael a few times recently but I will definitely be taking her recommendations and following her advice.

What could they have done better?

I am very happy with the advice I have received and would recommend Racheal to my friends and relatives. My feedback is positive.

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

My husband died and I needed advice on pensions and investments for a future income.

How has Rachael Hall helped you?

Rachael expertise was invaluable in sorting out my finances. She is a leading adviser in her field, reliable and dedicated to the welfare of her clients. She made the problems I encountered easy to solve at a very difficult time in my life. Recently I have had to make changes in my investments and Rachael gave my the good advice I needed.

Have you seen the outcome you were hoping for?

Yes, I am happy with the result.

What could they have done better?

Nothing.

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

How has Rachael Hall helped you since your last review?

She has kept us informed

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

How has Rachael Hall helped you since your last review?

She continued to provide advice and support in securing my NHS pension at the correct amount - considerably reducing the stress levels for me. I was very grateful to have her on my side.

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

How has Rachael Hall helped you since your last review?

Rachael has been amazing and has been very helpful. She has looked at my situation and my NHS pension complications and has provided excellent advice. She has indept knowledge about NHS pension problems and knows how to fix the issue. I highly recommend her for all financial and pension related queries.

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

How has Rachael Hall helped you since your last review?

She has helped me take the final tax free amount out of my pension to fund upgrades to my home

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

Concerns about annual allowance and implications of getting a lease car through a salary sacrifice scheme on this and future pension.

How has Rachael Hall helped you?

Clarified my needs/ priorities. Seemed to have my interest at heart and was not pressurising at all about incurring cost for further advice that might not be necessary. Very knowledgable about NHS pensions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Rachael

Very well informed and professional. Answered all my questions clearly and concidely.

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

NHS Pension queries

How has Rachael Hall helped you?

Rachael gave clear advice. She answered my queries patiently. She explained the services provided by her firm in a succinct manner. She has an excellent grasp of the NHS pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cannot think of anything specific

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

Ill health caused my proposed retirement to be brought forward

How has Rachael Hall helped you?

Rachael, explained in clear terms, all my options and once a decision was made ensured all matters were resolved. She was always available and kept me fully updated as to the progress of matters.

Have you seen the outcome you were hoping for?

All issues around AA, LTA and ill health retirement were satisfactorily resolved.

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

How has Rachael Hall helped you since your last review?

Continues to help me plan my retirement

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

I was being hit by unexpected Annual Allowance charges on my Pension which potentially could significantly alter my expected retirement date.

How has Rachael Hall helped you?

She contacted Primary Care Support England and was able to talk to people who could actually look at my case and start work on clearing a few anomalies which have accrued over the past few years. If anyone knows the difficulties involved in having PCSE do anything at all then you'll appreciate what a help this is.

Have you seen the outcome you were hoping for?

Not yet. PCSE are still dragging their feet but I have had at least one year of anomalies cleared up with a resultant rebate of overpaid Superannuation which will actually cover Rachael's fee !

What could they have done better?

An irregular and infrequent update on the situation would be reassuring.

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

How has Rachael Hall helped you since your last review?

Rachel 's advice helped achieve expected income despite an uncertain year.

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

How has Rachael Hall helped you since your last review?

Rachael is really on the ball as to how the market is likely to affect my pension investment, and responded quickly when the market dropped and contacted me immediately.

Please provide a brief comment about your experience with Rachael

It gave me information that I was unaware of, and explained the clear process of transferring a final pensionable salary scheme.

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

How has Rachael Hall helped you since your last review?

Rachael is in regular contact and is proactive .

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

Long term financial planning.

How has Rachael Hall helped you?

Clearly set out all the options and helped us come to the best solution for us.

Have you seen the outcome you were hoping for?

Yes, all on track!

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

Redundancy

How has Rachael Hall helped you?

Advised on consolidating pensions and investing

Have you seen the outcome you were hoping for?

As well as can be expected due to the current situation

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

I needed to clarify the annual and lifetime allowances and HMRC liabilities on my NHS pension

How has Rachael Hall helped you?

Rachael collated all the information available on NHS pension contributions and allowances including from my employer and was able to advise how to proceed. As a result I needed an accountant who specialises in calculating the tax owed due to breaching NHS pension calculations. It should be noted that I had had a previous IFAs who advertised as an NHS pension specialist. An expensive mistake as by the time Rachael reviewed my status I owed a six figure sum to HMRC which wiped out my lifetime savings. I am immensely grateful to Rachael for her pragmatic and professional advice. Not once has she given me the ‘hard sell’ for any services, unlike the other 4 IFAs that I met when deciding who to appoint to help me. For the first time in 2 years, I now have peace of mind.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, she has been tremendous, despite the coronavirus pandemic.

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

NHS pension annual allowance breach.

How has Rachael Hall helped you?

She went through my file and contacted the NHS pension department and identified the mistakes that they had made. She reduced my pension bill by more than 50,000£.

Have you seen the outcome you were hoping for?

Yes-Excellent outcome

What could they have done better?

none

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

Sorting out issues with my NHS pension and retirement planning

How has Rachael Hall helped you?

Helped me understand my situation and what we needed to do- clarity of thought Did what needed to be done efficiently and effectively - action Above all she has given me confidence

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

She has done everything just right

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

I required financial advice on pensions and savings and investments on my retirement

How has Rachael Hall helped you?

Rachael gave me advice on all of my options regarding the best possible way to get maximum returns on my pensions and investments

Have you seen the outcome you were hoping for?

Due to the current situation regarding the covid pandemic and brexit negotiations I haven’t seen the outcome I was hoping for. I would like to think things will improve in the not too distant future.

What could they have done better?

The only minor thing would be a quicker response to information requests which I know was sometimes unavoidable due to delayed responses from some of the pension companys

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

My husband had retired early and I wanted to investigate the possibility of retiring early.

How has Rachael Hall helped you?

Rachel helped me understand the various options open to me, pointing out the risks and benefits associated with them.

Have you seen the outcome you were hoping for?

Yes, I now have the opportunity to retire early.

What could they have done better?

I am happy with the service provided.

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

How has Rachael Hall helped you since your last review?

She keeps in regular contact but there has been no change to my circumstances since my last review

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

Wanted to retire early

How has Rachael Hall helped you?

She managed to get my dB pension into a private pension so I could retire early

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing The delay was my dB pension administration people

Please provide a brief comment about your experience with Rachael

Not met her yet, but all e-mail correspondence has been helpful.

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

Pension planning Income protection

How has Rachael Hall helped you?

Arranged private pension through my company

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don’t think she could have done better

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

we were looking for advice with our nhs pensions and some under performing investments

How has Rachael Hall helped you?

Took the time to get all the appropriate information required to make a judgement on the best way forward

Have you seen the outcome you were hoping for?

We are still in the process of working through the potential scenarios

What could they have done better?

Nothing to date

Please provide a brief comment about your experience with Rachael

Rachael is the best financial advisor I have dealt with. She is both professional and personable and at no point did I feel she was unable to fully understand what I required from her services. She was very flexible in meeting my very limited availability and the time we spent was always constructive and focused. I very much appreciated her knowledge of the financial products and trusted her advice.

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

I was left a widow and pensions from my husband that needed to be invested to best provide for my personal circumstances.

How has Rachael Hall helped you?

She researched what would be best for me and was most sympathetic as to my personal position. I had not had to deal with financial matters before and was ignorant about such matters but Rachael's knowledge,experience and empathy made it much less daunting than it might have been.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I do not think that Rachael Hall could have done anything better for me.

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

I have had a financial adviser since my children were born as we felt that we needed to plan for their long term future and my husband for his retirement.

How has Rachael Hall helped you?

Rachael has helped to ensure that our investments are well managed and advised on us long term planning for retirement.This has included pension management and inheritance planning . She has also advised our 2 sons and we have ensured that pension plans have been taken for them

Have you seen the outcome you were hoping for?

Yes we are extremely pleased with how well Rachael has advised us and how are investments have grown.

What could they have done better?

I can't think of anything Rachael could have done better.

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

Doctor in NHS seeking advice re: income, pension maximization and current AA taper issue

How has Rachael Hall helped you?

Sought correct documentation from Trust and NHS Pensions Confirmed amount of pension to which I was entitled and looked at strategies to minimise tax via use of Added Years Ongoing updates regarding changes to Annual Allowance and Lifetime Allowance, and the more recent issues related to tapering - Rachael has been proactive in ensuring that we have a dynamic strategy to keep my earnings below the necessary thresholds

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

I have nothing to add - Rachael is an excellent advisor and I would not hesitate to recommend her to colleagues (and indeed have done so on numerous occasions)

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

We had savings and pensions spread across various companies and needed to simplify matters.

How has Rachael Hall helped you?

After initial consultations, , Rachael collated and consolidated all of the different financial information from us, to determine our financial aims and investment risk attitude. She has produced Risk Profile Summaries and thorough Financial Planning Reports to keep us up to date with any variables. Rachael helped us structure our finances, suggesting options that would not have occurred to us.

Have you seen the outcome you were hoping for?

Rachael helped put our savings and pension into income drawdown and continued investment. She is a professional who gives good knowledgeable advice while being open and honest. Over the years, her advice has achieved savings and earned us returns.

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

Divorce

How has Rachael Hall helped you?

Took ownership of the pension sharing and helped me understand how to save and advised on ISA investment.

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

It can always be simpler!!!

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

Lack of knowledge in the area of finance and investments.

How has Rachael Hall helped you?

My wife and I met Rachael in January 2009. She helped us organise our savings, gave us impartial advice on investments and on how to improve their tax efficiency. Recently she has advised me about my NHS pension.

Have you seen the outcome you were hoping for?

Yes we have. We have felt safe in the knowledge that the advice was impartial and that Rachael genuinely put her clients first.

What could they have done better?

Nothing that comes to mind other than perhaps have her procure a crystal ball! Over the decade that we have kept Rachael as our financial adviser we have followed her through a number of institutions as she has progressed in her career to only just recently set up her own practice. We wish her every success. Of course, we would rather have not had to go through the inconvenience but we understood why it was happening and Rachael did her level best to keep us informed. The fact that we chose to remain her clients throughout this is testament to value we placed on her advice.

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

I wanted to move out of my DB pension

How has Rachael Hall helped you?

Helped me to navigate the complex process and was very patient with me. Advised me on my vision to retire early. Advised what was and what was not possible for me to do.

Have you seen the outcome you were hoping for?

Yes. I have retired 7 years early and paid my mortgage off. I am now better off than when I was working and my quality of like is vastly improved.

What could they have done better?

Nothing really. The problems I had were all due to my previous DB pension administrator and the change to the DB transfer process in October 2018. My advisor told me the process would take longer than it did and she was right. Again down to previous DB pension administration.

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

Needed advice to achieve income from savings.

How has Rachael Hall helped you?

Rachael helped me to consolidate my savings and produce the income I wanted. She explained everything and kept in touch as we set it all up.

Have you seen the outcome you were hoping for?

Early days yet but I expect to it to.

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

We required advice on our investments and have known Rachael since 2008.

How has Rachael Hall helped you?

Originalky, Rachael advised us on our investments and then when my late husband died, she helped us with probate and continues to advise the family on inheritance tax and estate planning. Rachael is very friendly and diligent. We are very happy with her services!

Have you seen the outcome you were hoping for?

We seem to be doing well and making a profit.

What could they have done better?

Nothing.

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

I had a lump sum to invest, following the sale of a property and I asked Rachael to invest this for me.

How has Rachael Hall helped you?

Advised me on a suitable investment.

Have you seen the outcome you were hoping for?

Yes definitely. The investment seems to be very good and is making a decent amount of money. I am looking forward to receiving the January statement, despite the uncertainty in the markets.

What could they have done better?

Nothing.

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

Money to invest

How has Rachael Hall helped you?

Found investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

An office in scotland

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

I needed to set up a pension scheme for my limited company.

How has Rachael Hall helped you?

She navigated all of us through the process, and helped set up the scheme.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. She was very good, knowledgeable and professional at all times.

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

Income protection and pension advise for my company

How has Rachael Hall helped you?

Rachael helped me with all aspects of arranging cover and investing

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 needed professional advice on several different monetary issues.

How has Rachael Hall helped you?

Rachael has always advised us carefully and suggested different possible options. She is very knowledgeable and we trust her to do the best for us.

Have you seen the outcome you were hoping for?

We have been very satisfied with our investments etc. over the years we have known Rachael.

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

Needed

How has Rachael Hall helped you?

I needed to know what my NHS pension really meant. It was just a mass of numbers and I needed to know what it meant and how to plan my retirement. Rachael was able to make it all make sense and allowed me to plan my retirement properly.

Have you seen the outcome you were hoping for?

Yes, I have a clear and understandable plan

What could they have done better?

Not really

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

Reliability, accessibility, understanding and above all independence.

How has Rachael Hall helped you?

Rachael has been advising me on my pension as well as the family savings and investments for well over a decade. We have stayed with her even when she moved to a different company because we felt she fully understood our circumstances and our approach to financial risk. She's always been patient enough to explain the jargon and to explain the different options. She can advise but is also willing to listen to our concerns and plans and adapt accordingly. I have no hesitation in recommending her.

Have you seen the outcome you were hoping for?

A difficult one to answer as the return on investment has fluctuated with the economic climate as I would expect.

What could they have done better?

I would have preferred not to have had to change platforms and companies but this was inevitable given the circumstances and in the end proved to be the right decision.

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

Setting up a savings plan for our children.

How has Rachael Hall helped you?

She advised me on all of our options and which plans would be the most tax efficient.

Have you seen the outcome you were hoping for?

Absolutely. The children now have Junior ISAs set up and we don't need to worry about funding their education now. Both accounts have made a good profit.

What could they have done better?

No.

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

Setting up life insurance + trust after getting married and having my two boys

How has Rachael Hall helped you?

Reviewed needs, sourced providers + quotes and arranged trust

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Some duplication of review documents were needed but I think this was outside of Rachael's control due to changing companies and GDPR

Please provide a brief comment about your experience with Rachael

Rachel called me to discuss my needs. She was very helpful and gave me advise during the call which gave me a way forward without need for any more IFA services. This was much appreciated.

Please provide a brief comment about your experience with Rachael

So far very knowledgable and professional

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

Husband passed away and Racheal sorted out my estate.

How has Rachael Hall helped you?

invested money for my retirement and to help me retire early.

Have you seen the outcome you were hoping for?

Racheal has been providing me with sound financial advice since Oct 2015. Our goal was to invest £478.000 which would eventually allow me to draw down £30,000 pa for my retirement In three years my portfolio has increased by £161,000 Doubled my expectations. Racheal explained the current volatility of markets I'm confident that my portfolio will continue to grow. I'm also confident in Racheals overall knowledge and believe her recommendation of investing in a mixture of Diverse Investments has paid fantastic bonuses. Im delighted with the prospect that I will have a happy, healthy, wealthy retirement.

What could they have done better?

None. I have been with Racheal for three years now and don't intend to change.

Please provide a brief comment about your experience with Rachael

Very professional friendly service

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

Help regarding decision making for retirement from NHS pension scheme Review of current protection arrangements for NHS and private practice.

How has Rachael Hall helped you?

Very knowledgable of NHS pension scheme (in fact more knowledgable than any other advisor that I have had dealing with); creative and individualised solutions to my circumstances rather than just a 'one size fits all' approach Happy to work at my timescales Reviewed current protection arrangements and made improvements both in terms of the level of cover but also a reduction in premiums.

Have you seen the outcome you were hoping for?

Definitely.

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

Options about early retirement and investment of some pension crystallisation.

How has Rachael Hall helped you?

Option appraisal about retirement and investment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I'm happy with the service Rachael gave me

Please provide a brief comment about your experience with Rachael

Very patient, friendly and informed. Can't speak highly enough of her contribution.

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

Divorce.

How has Rachael Hall helped you?

Helped with investing pension share.

Have you seen the outcome you were hoping for?

Not yet - early days.

What could they have done better?

Nothing at the moment - very helpful, friendly and insightful.

Please provide a brief comment about your experience with Rachael

HAD A GOOD DISCUSSION REGARDING FINANCIAL MATTERS AND RACHAEL IS GOING TO ASK A SOLICITOR TO CHECK OVER MY EXISTING WILL.

Please provide a brief comment about your experience with Rachael

Very easy to talk to, and really knows her business. Feedback was the following day

Please provide a brief comment about your experience with Rachael

Through my own fault - I've been so busy - I have only "touched base" with Rachael to date. She rang and text me as promised.

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

Change in circumstances and need for increased protection.

How has Rachael Hall helped you?

Rachael has provided a range of advice over a number of years. I have always found her to be extremely knowledgable in the information that she provides. She outlines a range of options and that has allowed me to make informed choices. She has an excellent and in-depth knowledge of the NHS pension scheme.

Have you seen the outcome you were hoping for?

I am extremely pleased with the advice that I have been given. This has included both with regard to investments and also the minimisation of a potential tax liability of which I would have otherwise unaware.

What could they have done better?

No!

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

We needed advice on planning for retirement.

How has Rachael Hall helped you?

She sorted out our investments, following some poor advice previously and consolidated our portfolio.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Some problems caused by Rachel moving jobs, but these were beyond her control.

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

We have always had a financial advisor since our children were born and we were planning for their future and our eventual retirement.

How has Rachael Hall helped you?

Rachael has helped us in a number of ares - managing our investments ,and savings ,planning for our retirement,and inheritance tax planning. in addition she has been helping my husband and advising us on the sale of his business.. She has introduced us to more specialist advisors when appropriate such as specialist tax advisors and accountants.

Have you seen the outcome you were hoping for?

Yes we have our affairs are now efficiently managed and we have made some vital decisions with her help and advice.

What could they have done better?

No I don't think .Rachael has always been very accessible and helpful and I would strongly recommend her.She has a high degree of knowledge in her field,

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

Having had various financial advisers, who disappeared, failing to maintain contact, my wife and I were looking for someone to look at and review our investment portfolio.

How has Rachael Hall helped you?

After meeting with Rachael, we were impressed with her knowledge, her response to our risk attitude and also her desire to help guide us honestly through the maze of financial planning.

Have you seen the outcome you were hoping for?

Pretty much so, although nothing can be guaranteed, we are happy with her advice and also her ongoing commitment to us, her clients. She has maintained contact with us and regularly reviewed our portfolio, with recommendations as our circumstances change.

What could they have done better?

Other than giving us the winning lottery numbers, nothing.

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

I heard Rachel speak at a meeting and was v impressed by her in depth knowledge and understanding of the topic ; her professional but extremely personable approach made me investigate her services further and engage her for IFA advice .

How has Rachael Hall helped you?

She has reviewed my retirement situation and given my options regarding choices and preparing fir that time;she was clear and easy to understand with options explored and contrasted in their contribution to preparing for retirement.

Have you seen the outcome you were hoping for?

I was very happy with the advice that she provided over telephone calls and face to face individual meetings; I feel much more prepared to make informed choices as I approach retirement , understanding the ramifications of the various options .

What could they have done better?

I think that Rachel provides a great service, and I look forward to consulting her again on future occasions when the need arises.