Ross Crake

Please provide a brief comment about your experience with Ross

Ross was most generous with his time to understand my particular needs and followed up our conversation with some very practical and useful ideas on how I might achieve my objectives.

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

I was looking for an advisor as I was approaching retirement

How has Ross Crake helped you?

Ross created a great plan ahead of my retirement which I am now implementing as I have been retired now for 1 year. He is extremely helpful and responsive to any queries I have and has set up well balanced portfolios for my pension, ISAs and other investments which has given me confidence for my retirement. He is also giving advice for other members of my family.

Have you seen the outcome you were hoping for?

Yes - I now have a plan in place and things are going well.

What could they have done better?

Happy with everything Ross has done.

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

On retirement I needed help with my pensions and investments.

How has Ross Crake helped you?

Ross has given technical and sensitive advice on all pension and investment opportunities for me. He responds very quickly to any query and sends detailed and specific information on each product and recommendation he makes. I would be happy to recommend him to friends and family and have done so.

Have you seen the outcome you were hoping for?

Yes - so far his advice has not disappointed, he understands my cautious approach and I feel I have been well looked after.

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

I had pensions and no clue what my options were

How has Ross Crake helped you?

Moved my pensions to a more ethical portfolio with better predicted returns

Have you seen the outcome you were hoping for?

Yes, exactly as I hoped

Please provide a brief comment about your experience with Ross

Ross Crake of Osprey Wealth Management Ltd has provided excellent advice for pension transfer, ISA’s and a will trust investment. He provides full answers to questions posed and leaves you in no doubt that he has listened and understood your objectives and priorities and responds accordingly. He illustrates his reasoning with worked examples and analyses to back up his recommendations and the advice is given in a calm manner. He is well qualified for the role and his web site demonstrates the care and attention to detail that he takes as an independent financial adviser.

Please provide a brief comment about your experience with Ross

Ross was courteous and generous with his time, listened to all of my questions, and provided a good broad overview of my options. This was with regard to potential early retirement, and the feasibility of generating enough income from my pensions and investments. He gave the impression that he would provide a very professional service should I choose to move forward with him.

Please provide a brief comment about your experience with Ross

Ross was extremely polite, concise and helpful. I only had brief dealings with him, as I later found my original Financial Advisor from my Company Pension scheme. Nevertheless I felt he was generous with his time, and gave a very clear outline of my initial position, had I decided to go forward. It was a pleasure to have come across him.

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

Redundancy

How has Ross Crake helped you?

Professional, friendly and timely advice

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with Ross

I had a general query with regards to personal pensions and Ross was very thorough, quick to respond, and explained things so that a layperson could understand this complicated area.

Please provide a brief comment about your experience with Ross

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Please provide a brief comment about your experience with Ross

One of the most knowledgeable and qualified advisors, more than happy to spend his time to ensure client satisfaction and clarity of their financial futures. Definitely recommend !

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

I wanted advise on how best to invest my money that met my needs.

How has Ross Crake helped you?

Ross helped by advising me of different areas I could invest my money that suited my needs.

Have you seen the outcome you were hoping for?

Yes

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

Requirement to transfer out of a defined pension scheme and consolidate personal pension funds into one Collective Pension Investment fund. Analysis of existing investment funds which were wrongly weighted and needed re-assigning. Advice required with regard to investing new funds available post probate from an estate. Requirement to move my daughters child ISA which was under performing. Advice required on IHT.

How has Ross Crake helped you?

Initially we discussed what I needed in the future from my investments and developed a game plan to achieve those goals. Some existing investments were kept but others which did not represent a balanced portfolio were re-invested and everything placed under one investment platform, Old Mutual Wealth, which greatly improved transparency and allowed me to review all of my portfolio on one site at any time. I subsequently needed to transfer out of a defined retirement benefit scheme and following advice from Ross and a referral had the pension reviewed by a specialist pension firm and Ross handled the transfer into my Collective retirement fund. Following the death of my father I received a lot of help from Ross in evaluating a confused portfolio and in some cases moving investments to reinforce the investment portfolio structured by him. I wanted to review my daughters child ISA and following advice was able to maximise contributions in an individually tailored fund with a much improved prospect of long term growth. I also set up a pension fund for her, something I had never considered before but great advice given the years of prospective growth. I am receiving advice on an ongoing basis on tax positioning and IHT.

Have you seen the outcome you were hoping for?

After nearly four years with Ross I now feel I have a structured financial position with ongoing reviews that reflect changing personal and market situations. I am also confident that both myself and my family are now well catered for financially in the long term. Nobody foresaw the chaos that Covid 19 would impose on the financial markets and it is testament to the robustness of the portfolio that was put together for me that all those initial losses have been recovered and indeed are now growing once again.

What could they have done better?

To date I do not have any issues and feel that I have received good advice and transparent and timely dealings.

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

Investing for retirement

How has Ross Crake helped you?

Reviewed my financial situation thoroughly and advised the best way forward

Have you seen the outcome you were hoping for?

Things look good so far but proof will be in the pudding when investments are drawn upon to fund full retirement

What could they have done better?

Nothing at this stage of our journey

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

My wife and I were looking to move away from an existing Financial Advisor who we felt was not providing the level of care and attention that we required now that we are in retirement.

How has Ross Crake helped you?

Ross spent a considerable amount of time with us, explaining the options that could be ahead of us. He was very easy to speak with, very clear in his recommendations and the material provided was very easy to read and understand.

Have you seen the outcome you were hoping for?

Ross has definitely provided us with what we need to assess the future.

What could they have done better?

Ross could not have done more for us. We are now his clients and we feel extremely comfortable with our decision.

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

We are 12 years into our retirement and need to be comfortable that investment choices that we make will carry us through the whole of our retirement.

How has Ross Crake helped you?

Ross provided detailed forecasts and analysis of our current portfolio and has given great attention to our needs. He has recommended a very comprehensive way forward which allays our concerns of the future. Ross is very articulate, personable, gave us a clear understanding without over complicating technical jargon.

Have you seen the outcome you were hoping for?

We have been provided with a number of options/pathways for our investments going forwards.

What could they have done better?

Ross has really focused on our needs and as such we have nothing to identify that he could have done better.

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

My previous adviser had retired and I was looking to do a complete review of my pension and investments as I have now turned 55.

How has Ross Crake helped you?

Ross outlined all options available to me. I had received a small inheritance recently and was able to make the correct investment for my future.

Have you seen the outcome you were hoping for?

Yes - most definitely.

What could they have done better?

Ross and I have agreed to stay in touch to review my future investments/pensions on a regular basis.

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

I had retired from my profession in the NHS in 2018 and needed long-term advice with regards to my finances especially as I had retired early at 55 years old.

How has Ross Crake helped you?

Listened to my worries/concerns etc about investing long-term! Understood these concerns and advised accordingly. Spoke in a language I could understand which was really helpful!

Have you seen the outcome you were hoping for?

Early days yet to comment.

What could they have done better?

Nothing! I have dealt with financial advisers in the past who talk in a way that is very difficult to understand but Ross was very good -thank-you.

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

Needed advice re amalgamation of separate pensions into a consolidated pension account and guidance re stocks and shares ISA

How has Ross Crake helped you?

Carried out review of financial position in respect of draw down from pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No adverse comments

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

I have used AIS pensions for the past 23 years. John Sheffield's was one of the few financial advisers at that time who offered pension reviews so i knew exactly how my pensions and ISA's were performing. J.S. was against up front charges of funds which i agreed. He also communicated over the phone so i was able to stay focused on my financial planning.

How has Ross Crake helped you?

Ross gave me financial choices for taking my pension at a critical time of my employment. He is a very good listener and understood exactly my situation. I feel i am going forward in the right direction.

Have you seen the outcome you were hoping for?

Yes and it is still on going.

What could they have done better?

Ross is doing amazing work and is very committed to his profession. A very big THANK YOU Ross

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

To look after my pension, giving me access to the value of the investments made. Giving advice on access and, drawing monies from it.

How has Ross Crake helped you?

Advice on dealing with shares in Standard Life, which came about from their running of my pension with when employed.

Have you seen the outcome you were hoping for?

No, due to the unnecessary complication of transferring those shares

What could they have done better?

It would have been useful if the SL shares could have been transferred directly into the investments run by my financial adviser.

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

Initially for pension issues.

How has Ross Crake helped you?

After starting at AIS he assessed my financial situation and suggested options for planning re inheritance tax.

Have you seen the outcome you were hoping for?

Not yet but that's because I'm still alive!

What could they have done better?

No suggestions as he is doing an excellent job.

Please provide a brief comment about your experience with Ross

He was good at providing information to my questions.

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

Aviva required me to deal through a financial adviser.

How has Ross Crake helped you?

Prepared to listen, constantly keeping me updated and also visiting me at home which is nice for a one to one and putting a face to a name.

Have you seen the outcome you were hoping for?

After exploring every avenue the outcome has now been arrived at.

What could they have done better?

Satisfied with the end result- believe Ross could not have done any more.

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

Transfer of Personal Pension Plan.

How has Ross Crake helped you?

Ross explained very clearly my pension objectives and Investment risk.

Have you seen the outcome you were hoping for?

All products Ross recommended are suitable for me.

What could they have done better?

I'm very happy with his advice

Please provide a brief comment about your experience with Ross

professional with his approach

Please provide a brief comment about your experience with Ross

We had a very helpful conversation and I came away feeling like I knew an awful lot more than I did going in. Very nice guy and someone I would happily work with in the future.

Please provide a brief comment about your experience with Ross

He was precise and honest with. His informatiomn

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

I was looking for professional advice on setting up a personal pension. As I had no idea on what was the best option to go for, I decided to contact Ross for advice.

How has Ross Crake helped you?

I spoke with Ross who fully understood my goals for retirement. He explained to me jargon free about what investment options I could go with.

Have you seen the outcome you were hoping for?

I was very happy on the recommendation I got. After meeting Ross, I can now see the potential benefits of investing in the long term. His product recommendation is also very suitable for my needs.

Please provide a brief comment about your experience with Ross

Good meeting. Ross confirmed the charges he had quoted and the services he could offer! He was polite and friendly. Positive outcome!

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

I wanted to review my pensions and invest in an ISA.

How has Ross Crake helped you?

Ross helped me to decide how much risk to take with my ISA investment and recommended some funds to invest in. He reviewed my pensions and switched so of the funds to ensure they were suitable for my level of risk.

Have you seen the outcome you were hoping for?

I am very happy with the advice given and the new funds for my ISA and pension are performing well so far.

What could they have done better?

Nothing

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

I wanted advice regarding my current pension arrangements and also how best to make use of my savings going forward.

How has Ross Crake helped you?

Offered sound advice regarding my existing arrangements and helped to setup and make best use of my ISA allowance.

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 wanted some advice on the best way to draw benefits from my pensions and investment.

How has Ross Crake helped you?

He helped me to find the best annuity to ensure I got the highest income possible.

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 wanted to understand what my options were and whether I was saving enough for retirement and other life plans I have.

How has Ross Crake helped you?

Ross put me immediately at ease breaking down the gobbledygook and jargon into clear options and choices.

Have you seen the outcome you were hoping for?

So far so good, I've seen my investment portfolio grow a lot faster than anticipated.

What could they have done better?

Ross was excellent and in my option far too humble about the value of the help he was providing

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

I wanted to try to get a better rate of return than I have been getting from my cash investments.

How has Ross Crake helped you?

He helped me with investing some of my savings into funds using my ISA allowance.

Have you seen the outcome you were hoping for?

I am happy with the advice given. The advise was clear and concise.

What could they have done better?

There is nothing that Ross could have done.

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

I came into extra funding and wanted to make sure a did something constructive with it.

How has Ross Crake helped you?

Gave me the correct advice for my situation.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Ross was extremely informative

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

I wanted to review my options for my savings and look at protection in case I am unable to work.

How has Ross Crake helped you?

We have moved some of my savings into some fairly cautious investments which we selected as I do not have much investment experience and we felt it would be better for me to get used to the risks over time rather than taking too much risk to begin with. He also helped me to set up a protection policy to cover part of my salary if I am unable to work in future.

Have you seen the outcome you were hoping for?

I am happy with the advice given.

What could they have done better?

Nothing

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

I wanted help to make an investment and general advice on pensions.

How has Ross Crake helped you?

He helped me invest my savings and gave me general advice on pensions for my future.

Have you seen the outcome you were hoping for?

I'm more than happy with the investment so far and the pension information was very useful.

What could they have done better?

Nothing, Ross was very helpful and gave some sound advice.

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

I wanted help with taking benefits on my final salary pension.

How has Ross Crake helped you?

He went through the different options available and their drawbacks and advised that I take the pension from the scheme.

Have you seen the outcome you were hoping for?

I am happy with the level of income I receive I was ve.

What could they have done better?

I am more than happy with the service I received

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

To invest some money tax efficiently.

How has Ross Crake helped you?

He went through the different options available including their pros and cons and recommended a solution that matched the risk level I was willing to take.

Have you seen the outcome you were hoping for?

I have been happy with the performance of the investment and the on going service since it was set up.

What could they have done better?

I was very happy with the service I received

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

I INHERITED SOME MONEY FROM THE PASSING OF MY FATHER SO WANTED SOMEWHERE TO MAKE A RETURN ON WHAT I HAD BEEN GIVEN.

How has Ross Crake helped you?

HE ASKED ME WHAT EXACTLY I WANTED TO DO WITH THE MONEY AND WHAT SORT OF INVESTMENT I WANTED TO MAKE. HE GAVE MANY A WIDE RANGE OF CHOICES THAT WOULD SUIT MY NEEDS AND BETWEEN US WE FOUND THE BEST OPTION FOR WHAT I WANTED. HE WAS EXTREAMLY THOROUGH AND KNOWLEDGABLE.

Have you seen the outcome you were hoping for?

MY MONEY HAS BEEN INVESTED FOR ABOUT TWO YEARS AND I HAVE SEEN A NICE RETURN EVEN WITH THE WAY THE MARKETS HAVE BEEN. I HAVE RECOMM.ED HIM TO COLLEGUES AND FRI.S ALIKE.

What could they have done better?

I CANT FAULT THE SERVICE I WAS GIVEN

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

I was looking for an adviser to help me with some planning. Having known Ross for many years it seemed sensible to ask for his advice and follow his recommendations.

How has Ross Crake helped you?

Pointed me in the right direction as to what I should be provisioning for for my retirement and how best to achieve this.

Have you seen the outcome you were hoping for?

Time will tell but I hope so.

What could they have done better?

Nothing. He met my expectations.