Matt Fleming

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

How has Matt Fleming helped you since your last review?

Continuing good advice and service

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

How has Matt Fleming helped you since your last review?

Matt has advised me on my current financial situation and helped me plan for my future

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

How has Matt Fleming helped you since your last review?

Increased the value of my investments

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

How has Matt Fleming helped you since your last review?

He has increased the value of my investments and given advice on my personal finances

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

How has Matt Fleming helped you since your last review?

Continued advice on investments,savings & financial planning. Changed to at home reviews to accommodate health issues which have restricted my ability to travel.

Please provide a brief comment about your experience with Matt

Matt was very informative and easy to chat to

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

How has Matt Fleming helped you since your last review?

General advice in particular about a private pension

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

How has Matt Fleming helped you since your last review?

Matt ensures that we review my investments and pension at a regular frequency and explains clearly how they are performing. He also reassesses my circumstance to see if anything has changed and if the products are still right for me. All in all, I am very confident that I am getting the quality of advice and service that I need.

Please provide a brief comment about your experience with Matt

Gave the advice required

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

How has Matt Fleming helped you since your last review?

Annual check up on financial situation. Offering sound advice to ensure money is working as effectively as it can be.

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

Our investments were not doing as well as planned so we contacted Matt, who was recommended to us. He has been advising us since 2016.

How has Matt Fleming helped you?

Matt recommended we changed our investment portfolio which he selected carefully as per our personal needs and return expectations.

Have you seen the outcome you were hoping for?

Definitely, within a year we were achieving a far better return on our investments than we had in previous years. The regular reviews are very helpful as circumstances can change from one year to the year.

What could they have done better?

Nothing we can think of. We are very satisfied with the services Matt offers.

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

How has Matt Fleming helped you since your last review?

keeping me updated on my investment

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

How has Matt Fleming helped you since your last review?

Helped me with the transition from being employed to being a retired person. Included advice on retirement income planning, pension transfers and budget/cash flow management.

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

How has Matt Fleming helped you since your last review?

Yes he has assisted me in withdrawing some monies to enable my travels this year . I really appreciate feeling secure and financially confident as I continue to enjoy my retirement

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

How has Matt Fleming helped you since your last review?

Pension advice.

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

How has Matt Fleming helped you since your last review?

He confirmed some information regarding me and my wife's wills

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

I had a private pension that was dead and basically worth about £17,000.00.

How has Matt Fleming helped you?

Matt comes across as a very genuine Family oriented type of guy , pleasant to deal with and explains things in an easy to understand way. Matt advised me to start the Pension going again with a small amount invested each month to show me that we could build it up into something useful towards my retirement.. I think it has been about 6 years or so with a regular invested amount that I was comfortable with and wouldnt notice. On top of that you get the extra money from the Government that really does help to boost the fund.. Money for nothing as they say. I always planned to take the 25% lump sum at the age of 55 and then the regular monthly payment.

Have you seen the outcome you were hoping for?

The way the money in my pot has grown has been amazing. I am now retiring from work at the young age of 56 with a good Lump sum tax free and a nice regular monthly payment. This would not be possible without the Pension pot and all thanks to Matt Fleming for his advise and management of my money. I would recommend Matt to anybody looking for Financial advice , without a doubt. Brilliant service all round.

What could they have done better?

Nothing.. 5* all the way.

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

We are approaching retirement age and needed advice on investments and pension planning to provide us with a more secure future

How has Matt Fleming helped you?

Matt has advised us on suitable savings accounts and also investments which correspond with our risk profiles. He has helped us to understand our options for drawing down our pension savings.

Have you seen the outcome you were hoping for?

Investments are still relatively new but balances are currently growing.

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

How has Matt Fleming helped you since your last review?

Same as previously

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

How has Matt Fleming helped you since your last review?

Matt has kept me up to date with any changes.

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

How has Matt Fleming helped you since your last review?

Since my last review I retired from my full time job. Now into 12 months retirement, and following Matt advice, I am extremely happy with my retirement plan. I am currently considering a new investment following my most recent annual meeting. I can recommend Matt whole heartedly, he is knowledgeable, and explains everything in plain English, I always come away from a meeting with total understanding.

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

How has Matt Fleming helped you since your last review?

Matt has advised me on inheritance money I recieved folliwing the death of my mother.

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

Looking to work less and decide what to do with pensions. Post pandemic I liquidated some property and wanted help in the best way to gain an income from the capital.

How has Matt Fleming helped you?

He laid out my options for pensions based on tax efficiency and potential growth. He has created an investment portfolio that is revised each year and has been changed in response to changes on tax allowances. He's great at explaining all the options in terms I can understand and always builds in times for questions and queries.

Have you seen the outcome you were hoping for?

Yes. I have a steady income from a range of investments and one work pension that allows me to choose how much paid employment I do. I feel well informed and kept up to date about changes that would impact on me.

What could they have done better?

Nothing that I can think of.

Please provide a brief comment about your experience with Matt

Matt was very helpful and gave lots of good information. We are now considering our options.

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

How has Matt Fleming helped you since your last review?

Based on his passed advice, he confirmed that my investments are still correct for my future needs

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

How has Matt Fleming helped you since your last review?

Practical and easy to digest advice

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

I was worried that my pensions were not going to support us when we retired

How has Matt Fleming helped you?

Matt analysed all our incomes, savings and spending and advised how we could ensure we could maintain our lifestyle after retirement

Have you seen the outcome you were hoping for?

At our annual review it is indicating we are on the right way

What could they have done better?

HMRC advice has been a little disappointing through a tax advisor introduced by Matt

Please provide a brief comment about your experience with Matt

Matt was very welcoming to me as a new client and took his time to gain knowledge form me regarding my current position and clearly mapped out a roadmap on how we could move forward.

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

How has Matt Fleming helped you since your last review?

As before but reassuring to know there is someone overseeing our investments

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

I wanted to make sure my pension was in a good direction

How has Matt Fleming helped you?

Made sure I’m taking the proper risks for the future

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 Matt

Very good initial response to our original enquiry , good advice given and follow up service prompt . advice given on each step helpful and informative .

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

How has Matt Fleming helped you since your last review?

Yes, as my circumstances and income have changed, he has helped me to adjust my contributions keeping in mind my current financial commitments.

Please provide a brief comment about your experience with Matt

Matt was both understanding and professional in explaining the process of getting our financial planning in place.

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

To help with pension advise and management of pension funds

How has Matt Fleming helped you?

As approaching retirement I wanted funds to be in a risk-free fund, and to understand the options open to me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. All went well.

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

I had inherited an amount of money that I wanted to invest, also I had money from a house sale . I didn't want to buy property again and needed some advise on what and where to put it , to create a bit of profit.

How has Matt Fleming helped you?

Matt has advised me on different Isa's and bonds and keeps an eye on the progress of it. I can ring him if i have any questions and i feel comfortable enough to do this.

Have you seen the outcome you were hoping for?

Not really this year as it seems to have fluctuated a lot.

What could they have done better?

I dint know if anything could have been done any better. I trust Matt has more expertise than i have on these matters and so I leave it to him.

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

How has Matt Fleming helped you since your last review?

At our last review, Mathew did an update on our thoughts of risk to our savings and investments. As always Matthew explained to us our financial situation, in an easy to understand manner. We are always grateful for this. If we need to contact him for help or advice he is readily available.

Please provide a brief comment about your experience with Matt

Matt was absolutely superb, after listening to my needs he provided me with great advise.

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

How has Matt Fleming helped you since your last review?

Supported over the last year with financial investments.

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

How has Matt Fleming helped you since your last review?

He is always on hand to give me up to date valuations

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

How has Matt Fleming helped you since your last review?

Matt has always responded swiftly when I have contacted him. He has been attentive and realising my needs has responded swiftly. His support, as I have experienced some significant life events, has been very reassuring.

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

How has Matt Fleming helped you since your last review?

He always returns calls promptly and deals with queries.

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

Following the death of my husband Matt was recommended to me by a friend and he has been able to trace pensions and investments that belonged to my late husband and help me to invest these carefully and as securely as possible for my future.

How has Matt Fleming helped you?

Matt has been very good at explaining the financial market to me and helping me to understand how I can keep my money safe.

Have you seen the outcome you were hoping for?

Not in this present financial climate, but hopefully the future will be better.

What could they have done better?

I feel Matt has done everything he could and has been very approachable and excellent at explaining things to me.I don’t think he could have done any better.

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

Retirement

How has Matt Fleming helped you?

Advice on management and investment of pension funds, and financial planning for retirement.

Have you seen the outcome you were hoping for?

Yes

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

My previous advisor had retired

How has Matt Fleming helped you?

Very helpful and trustworthy with sound advice

Have you seen the outcome you were hoping for?

Investments are bound to vary and I understand that.

What could they have done better?

I am not sure

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

How has Matt Fleming helped you since your last review?

He reassures and gives you confidence about your investments which always perform well.

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

How has Matt Fleming helped you since your last review?

I feel that he knows my circumstances and understands my reaction to risk.

Please provide a brief comment about your experience with Matt

Easy to talk to and clear advice.

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

Pension advice

How has Matt Fleming helped you?

Helped my initial investment grow

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing very happy with the service

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

I needed advice to merge my pensions and draw 25%

How has Matt Fleming helped you?

He was very informative, explained everything and told us about the pitfalls. He relaxed me to trust him with my money

Have you seen the outcome you were hoping for?

Yes. Just waiting for Royal London to deliver the last money (not Matt’s fault)

What could they have done better?

Nothing

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

How has Matt Fleming helped you since your last review?

Matt has been on hand to advise me on my recent decision to move house and how to maximise my investment in the meantime. Although the investment itself is under performing at the present time, the circumstances are outside Matt's control but the associated advice regarding purchase and sale of properties was nevertheless welcome

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

How has Matt Fleming helped you since your last review?

Matt is always available if I have any questions or queries and will keep me informed about changes. This ensures investments meet my objectives.

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

To take care of savings and pensions

How has Matt Fleming helped you?

In showing us how are savings and pensions will help us with retirement

Have you seen the outcome you were hoping for?

Yes all looks good

What could they have done better?

Not sure

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

How has Matt Fleming helped you since your last review?

Within the past 12 months, Matt help to move the pension contributions from our personal account to the business account to help reduce corporation tax.

Please provide a brief comment about your experience with Matt

Matt was very professional, listened attentively and then gave concise guidance towards my financial situation.

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

Pension planning

How has Matt Fleming helped you?

Focused money and expectations

Have you seen the outcome you were hoping for?

Yes

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

To advise re my pension fund pre retirement and after.

How has Matt Fleming helped you?

Advised re banking, helped with my pension investments and advised re pension draw down.

Have you seen the outcome you were hoping for?

My pension fund is healthy and my pension draw downs are sufficient to my needs.

What could they have done better?

Off hand I can't think of anything.

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

How has Matt Fleming helped you since your last review?

Regular contact and great advice always

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

Approaching retirement

How has Matt Fleming helped you?

Gave advice on types of pensions Answered all questions and removed concerns

Have you seen the outcome you were hoping for?

Yes pension now in place.

What could they have done better?

Although Matt kept us up to date with process, we thought it took longer than anticipated. It appears pension providers take their time getting the paperwork sorted.

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

When I was looking for best earninig and ethical accounts or investments for myself.

How has Matt Fleming helped you?

Massively, in advising me in pointing me towards who I could approach so that I could decide on what I wanted.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don't know

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

How has Matt Fleming helped you since your last review?

Mat continues to support me and enables me to live my retirement in financial security I feel totally supported by him and able to make clear and well informed decision about how I invest my monies

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

I need to make my savings work for me and I needed a SIPP

How has Matt Fleming helped you?

Set up a pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Matt has been very professional and clear in his advice and e efficient.

Please provide a brief comment about your experience with Matt

My initial meeting with Matt was friendly and professional, I was very at ease discussing financial information with him. Based off our first meeting I would recommend Matt to other people.

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

I wished to consolidate privately owned stock market investments into more easily managed funds

How has Matt Fleming helped you?

Matt has carefully considered my position and attitude to risk and has provided steady competent advice to meet my particular requirements

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I am aware of

Please provide a brief comment about your experience with Matt

Matt was informative and friendly and offered a range of vaulable advice.

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

Help and advice on savings

How has Matt Fleming helped you?

Matt has been our adviser for the last 10 years ,in those years his advice has been beneficial and appreciated .

Have you seen the outcome you were hoping for?

Yes ,even in these difficult times

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

How has Matt Fleming helped you since your last review?

Set up 2 ISA’s and adjusted my personal pension contribution.

Please provide a brief comment about your experience with Matt

I contact Matt regarding some financial matters. He gave me some free advice. So I can come back and complete my transaction with Matt

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

He took over from my previous advisor

How has Matt Fleming helped you?

In the 5 years plus that Matt Fleming has been my IFA I have always found him to be reliable and punctual. He listens carefully to what I want and acts accordingly. He seeks out the best deals for me and I feel confident that he always acts in my best interests.

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?

Ongoing pension advice

How has Matt Fleming helped you?

Over years reviewing and consolidating pensions

Have you seen the outcome you were hoping for?

Yes

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

Over the years I had various pensions and saving that required professional advice, I had very little knowledge and understanding about what I actually had.

How has Matt Fleming helped you?

Initially Matt was able to consolidate all of my pensions, moving forward I had confidence and a better understanding of my pension and investment.

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 did not look for an adviser, business was transferred by the bank I was using at the time.

How has Matt Fleming helped you?

Matt has provide trusted and reliable advice for many years, and for changing requirements whilst I was working, retired and currently inheritance planning.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Satisfied with services as provided.

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

Had paid mortgage off and wanted to invest disposable income

How has Matt Fleming helped you?

Great advice on how to ensure my investments were tax efficient and provided clarity on pensions

Have you seen the outcome you were hoping for?

Too early to day

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

Needed better advise on my pension fund.

How has Matt Fleming helped you?

Placed our pension fund with a better provider

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?

Since a young age I’ve felt it really important to plan for my long term financial future. I’ve therefore had a financial advisor for many years

How has Matt Fleming helped you?

Matt has always presented himself in a professional manner, always looking at what’s best in the current markets based on my own risk assessments. His advice is without bias but always planned for my needs. He never pressures me into new products, I value and respect his decisions.

Have you seen the outcome you were hoping for?

Yes, my portfolio has grown, but like any investment, there’s risk, so these have gone down, but I have confidence that’s these will pick up again to meet my requirements, but I know Matt is always on hand for advice

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

Best low risk way to invest a redundancy payment .

How has Matt Fleming helped you?

By talking us though the various safest options for our circumstances.

Have you seen the outcome you were hoping for?

Yes the advice we received has been more than satisfactory.

What could they have done better?

I can’t think of anything that could be improved upon.

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

ISA AND PENSION

How has Matt Fleming helped you?

SOUND ADVICE. NICE APPROACH. PATIENT, POLITE AND WILL GO THE EXTRA MILE

Have you seen the outcome you were hoping for?

YES

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

Originally went to a financial meeting many years ago. Arranged an appointment from there.

How has Matt Fleming helped you?

Matt has been instrumental in helping & advising re our overall financial planning.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, very satisfied with service.

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

We were looking for expert advice for my mother after she had sold her house.

How has Matt Fleming helped you?

Matt has helped my mother to invest money when she moved into semi residential care. I was made redundant in 2021 Matt advised on my redundancy package and the best way to invest my money. Matt has also advised my husband on his pension and helped to put everything in place for his retirement.

Have you seen the outcome you were hoping for?

Yes we have had excellent outcomes in everything that Matt has done for my family

What could they have done better?

We feel that Matt could not have done anything better for us. We had excellent service. He explained everything very clearly.

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

Retirement

How has Matt Fleming helped you?

Put our pensions in one pot that needed to be. Advised us on pension, tax etc

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Please provide a brief comment about your experience with Matt

Very clear on advice and came across that I was the customer and he would get best deal Possible A very confident professional approach

Please provide a brief comment about your experience with Matt

Quick prompt response

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

How has Matt Fleming helped you since your last review?

Matt, has helped me avoid paying too much tax by working alongside and developing a relationship with my accountant to ensure that not too much of my money is swallowed up in tax contributions: This has taken a lot of unwanted stress off my shoulders!

Please provide a brief comment about your experience with Matt

Matt came to my house to discuss and advise me on investing an amount of money I had from a sale of a property. I was unsure what to do with the money I had sitting in a bank account. I knew I wanted to invest it but knew nothing about what that meant. Matt provided clear and understandable information and gave me confidence to go forward with the investment. Matt was very professional, friendly , polite and knowledgeable. He is also very patient , as I am not very good with figures , he was able to explain to me the things I didn't fully understand. I feel better now that I have Matt to turn to if I need help and advise in the future, and I feel that I can trust him to do his best to help my investment grow,