Nick James

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

We needed some financial advice re pension pots, savings and inheritance tax planning having little experience and knowledge of the best course of action to take to maximise returns, minimise tax payable and potential inheritance taxes due. Nick provided excellent advice and guidance.

How has Nick James helped you?

Nick provided a logical and efficient financial plan for the future years which was clearly explained in terms that we could both understand. Nick was very thorough and provided back up documentation for all our discussions.

Have you seen the outcome you were hoping for?

Early days but it’s looking to be on track!

What could they have done better?

Nothing! Nick is very personable, knowledgeable and efficient.

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

Taking out a lump sum from my pension fund.

How has Nick James helped you?

He advised me on the transfer of my pension, and kept me informed through the entire process.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, his service was faultless.

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

Selling shares within my business.

How has Nick James helped you?

Understand where to put the funds and the tax implications

Have you seen the outcome you were hoping for?

Early days, but the signs are positive

What could they have done better?

Nothing negative to report

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

We had an investment event within our business.

How has Nick James helped you?

Nick has helped us to invest the funds strategically enabling us to continue focusing on the business without having to he worried around the funds.

Have you seen the outcome you were hoping for?

Yes 100%

What could they have done better?

Nothing

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

I was receiving a promotion at work and wanted to do more with my money.

How has Nick James helped you?

He has given me some great advice for not only my pensions but also my investments.

Have you seen the outcome you were hoping for?

Yes! Definitely

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

Feeling out of my depth and needing expert guidance and advice

How has Nick James helped you?

Helped me understand what my situation was with regard to my pension, provided me with choices and made recommendations on what I could do to improve it and undertook the next steps that needed to be taken on my behalf. He also schedules regular meetings with me to find out whether my circumstances have changed and to give me updates. He also provides a regular newsletter giving useful financial information, including additional editions on special occasions, such as breaking down new budget announcements.

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’d never had professional financial advice before and I’d had poor experiences with ‘chain’ FA’s (no response, poor communication).

How has Nick James helped you?

Nick went through all of my finances and potential income and shaped a plan that should provide me with a very decent pension. I’ve left it very late in life and thought panic was the only option. Nick has made me realise that we are far from panic!

Have you seen the outcome you were hoping for?

It’s very early, but I am happy so far.

What could they have done better?

Nothing. I have no experience with investing and Nick has made it crystal clear and I’ve now expanded my research.

Please provide a brief comment about your experience with Nick

Waste of time, never bothered to return call.

Please provide a brief comment about your experience with Nick

I found Nick to be accommodating and approachable.

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

Financial investment and also to discuss financial planning for forthcoming change in circumstances

How has Nick James helped you?

Nick has been amazing!! I found him on Vouchedfor rather than on personal recommendation and so didn't know how it would be. However within the first meeting I was completely at ease and quickly trusted Nick to help me with my financial planning. He explains everything very clearly and answers all my, often naïve, questions, often going beyond the allocated time for the meeting if needed. I have found it easy to discuss all matters with Nick and he has been a huge support over this past year such that I am now happily in a new home, and setting up my own business with investments that are giving a good return. I highly recommend Nick as a financial advisor.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Just to keep doing what he is doing as he does it so well.

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

I wasn’t sure whether or not to keep the rental properties I have in my own name or to sell them and reinvest the money into other investments.

How has Nick James helped you?

Nick produced a spreadsheet which analysed current and future projected yield of my properties and helped me to compare the numbers with the projected yield of other investment types.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Nick provided a through and comprehensive service. He was polite and helpful throughout all our meetings.

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

Retirement planning

How has Nick James helped you?

Nick has helped with retirement planning, pension advice, investment advice and general financial advice.

Have you seen the outcome you were hoping for?

Nick has helped enormously in getting my partner and I on track to a pleasant future. We'll find out the outcome in 25 years time but I'm confident it will be good.

What could they have done better?

Nick has delivered a great service and I can't think of any improvements. Alas he can't magic up money but he comes close.

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

We wanted to sort out our finances

How has Nick James helped you?

He has helped us sort out our finances and explained what we need to be comfortable at retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He has done very well, can’t think of much else

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

The changing marketplace and legislation

How has Nick James helped you?

Definitely

Have you seen the outcome you were hoping for?

Categorically yes

What could they have done better?

Nothing

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

Pension review

How has Nick James helped you?

Provided a SIPP to run alongside my Employer provided pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Nick has been able to respond to any question I might have had so that I understand the answer

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

earning a lot more than I have done previously and need direction and support with areas I have neglected for too many years

How has Nick James helped you?

Supported autoenrollment advice with my new company, advised on private pensions and consolidated many private pensions into one manageable pot

Have you seen the outcome you were hoping for?

Absolutely and beyond

What could they have done better?

Cannot think of one area where Nick could have improved his service

Please provide a brief comment about your experience with Nick

Knowledgeable

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

I need to consolidate all my Pension Funds

How has Nick James helped you?

from obtaining information where and how much I have in my pensions to putting them all in one place with a better company

Have you seen the outcome you were hoping for?

Yes, pension transferred to a better company

Please provide a brief comment about your experience with Nick

We found Nick very helpful and easy to talk to. We look forward to a lasting relationship with him

Please provide a brief comment about your experience with Nick

I'm really pleased with the service from Nick James. He is very personable, trustworthy and knowledgeable. My partner and I felt he listened to our needs and gave great advice. We are confident our relationship will be very positive.

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

I needed some advice about my pensions and saw Nick’s rating I decided he was the one especially after my first initial consultation

How has Nick James helped you?

His expertise as an independent advisor is his most powerful tool.

Have you seen the outcome you were hoping for?

So far so good

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

I was long cash and wanted a tax efficient way of investing

How has Nick James helped you?

Provide some great advice

Have you seen the outcome you were hoping for?

Yes

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

I needed pensions advice having recently become self employed

How has Nick James helped you?

I was absolutely hopeless when it came to financial planning. Nick has sorted my life out and I am now confident that everything is under control. He explains things in a way that makes everything much easier to understand and whilst I never thought I would see the day, I actually enjoy talking to him about financial planning

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?

Pension

How has Nick James helped you?

Pension and financial planning.

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 decided I needed to put in place arrangements for retirement savings and long term investment.

How has Nick James helped you?

Nick has been invaluable in educating me on the savings and investment process and in helping me think about and plan for retirement.

Have you seen the outcome you were hoping for?

Yes. I am at a relatively early stage of the investment process, so far the results have been good.

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

I wanted to get advice on pension planning and a general financial "health check".

How has Nick James helped you?

Gave good advice and suggested changes to my portfolio saving my thousands of pounds in fees each year.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing comes to mind.

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

Relocated to the UK and was a high earner so needed financial advice and strategies to best save and invest my money.

How has Nick James helped you?

In almost every way - savings, investment accounts, pensions, wills/estate planning, future financial planning since my family grew

Have you seen the outcome you were hoping for?

Yes 100%

What could they have done better?

Nothing. Nick has been more than I could have ever asked for in terms of a financial advisor.

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

A promotion at work.

How has Nick James helped you?

He has provided tailored advice in respect of pensions, investment and insurance.

Have you seen the outcome you were hoping for?

Yes.

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

Tax threshold limiting pension contributions

How has Nick James helped you?

Solid and unbiased advice and long term tax planning

Have you seen the outcome you were hoping for?

Yes - it’s great having someone who understands my needs

What could they have done better?

N/A

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

General need for financial planning advice

How has Nick James helped you?

As above. Nick also helped me achieve immediate financial benefit through utilising pension reliefs.

Have you seen the outcome you were hoping for?

Definitely - my finances are now much organised and I have a plan for the long term.

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

Long term financial planning

How has Nick James helped you?

Creates new ISA acct, streamlined and derisked existing ISA equity portfolio

Have you seen the outcome you were hoping for?

Not yet, plans made but will take time

Please provide a brief comment about your experience with Nick

Nick has been very helpful in explaining esoteric personal finance concepts in a user-friendly manner. He's been professional and personable, and has already helped with some short term pensions and investment queries I had despite our only having met a handful of times.

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

Unhappy with current FA and looking for better, professional service

How has Nick James helped you?

Transferring pension, setting up life insurance and planning for my future.

Have you seen the outcome you were hoping for?

Nick has been excellent, professional, personable and a pleasure to deal with.

Please provide a brief comment about your experience with Nick

Nick is personable and knowledgable. He asks great questions which both made me think and expand my own perception and understanding of my financial landscape. He is thorough and a good communicator that follows up.

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

I had a change in role at work, and an increase in salary

How has Nick James helped you?

Created a sold plan for saving and investing that allow me to reach my financial goals

Have you seen the outcome you were hoping for?

Yes a real improvement my finances and cash flow

What could they have done better?

Nothing, nick is professional and friendly

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

I received a large payment so I needed guidance on what best to do with it.

How has Nick James helped you?

He helped me spread my money across investments and into a pension

Have you seen the outcome you were hoping for?

Yes

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

Hoping to retire soon, so wanted to find out how to maximise my pension.

How has Nick James helped you?

He looked at my stake holder pension, which I had previously just left with the company to sort out for me, as I have very little experience with stocks and shares. Nick reorganised my shares and transferred them into better paying investments.

Have you seen the outcome you were hoping for?

It is too early to see the difference, but I am confident that my investments will have a better return.

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

I have a decent pension but wanted to make better use of my savings by investing for longer term financial planning.

How has Nick James helped you?

Nick was excellent! He listened carefully to my risk appetite and advised on appropriate investments. Since then, he has always been available for questions and helps to review my periodically to ensure its still fit for purpose.

Have you seen the outcome you were hoping for?

Yes

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

Needed sound advice

How has Nick James helped you?

Sorted out pension and savings plan

Have you seen the outcome you were hoping for?

It’s entouré

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

I was frustrated at not having good advice previously and knew that I needed to speak with someone to it an action plan in place.

How has Nick James helped you?

Nick helped me to organise a plan for savings and pension which is tax efficient.

Have you seen the outcome you were hoping for?

Too early to tell

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

Promotion

How has Nick James helped you?

A wholesale review of matters

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?

As my income increased, I knew that I needed to seek specialist advice to ensure that my investments were working as hard as I was.

How has Nick James helped you?

Nick has been invaluable in helping me put my money in the right place with his honest advice. I never feel like he is 'selling' a product or leading me to a certain conclusion. He has helped rationalise my pensions and expand my investment portfolio.

Have you seen the outcome you were hoping for?

Absolutely. From a pensions perspective, I gained access to a significant lump sum that I would have otherwise missed. My other investments have also grown at above market / benchmark rates since I've been working with Nick.

What could they have done better?

No obvious areas for improvement.

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

I need to figure out how I deal with my saving and pension as I know they were invested inefficiently but I lack good solutions and time myself to deal with them

How has Nick James helped you?

Nick provided very helpful analysis on the performance of my current investment portfolio and provided excellent advices for optimisation

Have you seen the outcome you were hoping for?

It is too early to for me to tell

What could they have done better?

Nothing came to my mind at the moment

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

I needed help to understand my financial position, investments and savings.

How has Nick James helped you?

Nick provided me with clear, professional and useful advice and helped put a plan in place to maximise my savings.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing - I was, and am very pleased.