Joe Sheridan

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

i’m self employed Chartered Surveyor and looking for help re pension planning

How has Joe Sheridan helped you?

joe is very easy to talk to and gives information/advice in a very straightforward way

Have you seen the outcome you were hoping for?

yes more than

What could they have done better?

nothing

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

wasnt happy with previous advisors fees and little support

How has Joe Sheridan helped you?

yes hes very attentive, transparent with fees and detailed in sharing supportive information and explaining.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

unsure as I am happy.

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

My previous adviser retired.

How has Joe Sheridan helped you?

Always keen to explain and cover my pension plans and situation in a clear and simple manner. Very good service.

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?

To amalgamate pension pots and financial planning advice

How has Joe Sheridan helped you?

Simplifying our finances and reassuring us about our future plans

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We are very pleased with the service received.

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

I was concerned that my pension pot was not working as well with Standard Life as it should have

How has Joe Sheridan helped you?

Joe has been very good not just in the advice he has been giving me but also in the support and patience he has shown as I suffer with Parkinson's

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing springs to mind

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

I realised that I needed specialist help with pension - ie. how to do drawdowns, etc. And my IFA told me Joe and IP were good.

How has Joe Sheridan helped you?

He's helped me to think ahead, and he's been flexible about advising, ie. he has taken fully into account the level of risk I'm happy with etc. He's also cooperated very well with my IFA whom I still use and trust.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Explaining why on occasions the pension value has gone down while the ISA's value has gone up could have been quicker and easier - he did know, but for a time I think he thought I wouldn't understand the reason so didn't tell me. I'm not as thick as I look.

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

Pension guidance

How has Joe Sheridan helped you?

Helped make financial decisions regarding retirement over the last five plus years

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 want to combine all of my pensions together.

How has Joe Sheridan helped you?

Joe has helped me with sorting and combining all of my pensions into one pot.

Have you seen the outcome you were hoping for?

Yes more than pleased

What could they have done better?

I don't think anything could have been done better, as previously mentioned.

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

To take over our pensions

How has Joe Sheridan helped you?

Joe has helped us to invest in a pension which will hopefully grow

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

Nothing I can think of

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

Annual review letter.

How has Joe Sheridan helped you?

Brought us up-to-date on our current investments and provided information on POA and IHT.

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?

To manage my pension pot sitting outside of my work pension

How has Joe Sheridan helped you?

He helped set up the arrangements initially and now gives ongoing solid advice about how to proceed, which is best for me, not for anyone else.

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

Nothing

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

On going family protocol

How has Joe Sheridan helped you?

Constantly mapping my financial future and showing how decisions now can affect the future financial landscape

Have you seen the outcome you were hoping for?

Not yet... ongoing

What could they have done better?

Good experience, but I don’t know what I don’t know.

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

I was introduced to Joe by a local financial adviser when I needed help to transfer my then Equitable Life pension to a reliable pension provider

How has Joe Sheridan helped you?

Joe provided help and advice on the transfer and has since been able to regularly review my pension performance and provide comprehensive and reliable financial advice competently steering me through the maze of options regarding retirement planning.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No . The advice has and is right for me and and Joe has always put my needs first and foremost .

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

grow and protect savings from tax

How has Joe Sheridan helped you?

yes

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?

My financial advisor recommended that James Hay would be a good institution to look after my pension pot.

How has Joe Sheridan helped you?

Joe has performed the annual review and kept me up to date with the performance of my pension.

Have you seen the outcome you were hoping for?

Yes. The pot has fluctuated with the market but generally done well.

What could they have done better?

Nothing.

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

I had to do something with a pension pot.

How has Joe Sheridan helped you?

Have dealt with Joe for many years and always found him to be full of good advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I am aware of.

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

I had a pension pot that was basically doing nothing so was looking for a way to invest it and hopefully make it grow.

How has Joe Sheridan helped you?

Joe has been my advisor for some years now. He is always approachable and his advice is very much appreciated.

Have you seen the outcome you were hoping for?

So far results have been very good.

What could they have done better?

Can't think of anything.

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

I have had a financial adviser since 1985 when my ex-husband and I had a mortgage to consider and he had works pensions to deal with. I t was this adviser, Colin, who recommended we work with Intelligent pensions when my mother died and I had my portion of her estate to invest.

How has Joe Sheridan helped you?

Joe is approachable, punctual, thorough, considerate of my personal situation and how it may change or has changed and how this has been reflected or might be reflected inmy pension performance. He is patient and good at answering my queries in an understandable way and I trust him.

Have you seen the outcome you were hoping for?

Joe has done a good job of keeping my pension performing well over recent unpredictable years and can explain changes and possibilities constructively so yes, I have.

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

Along time age we need professional financial advice..

How has Joe Sheridan helped you?

A great deal with the reassurance that he is looking after us.

Have you seen the outcome you were hoping for?

A little disappointing on occasion but that is to do with the market not the service.

What could they have done better?

Love to pay less tax but dont we all..

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

Suggestion from my financial advisor to use a pension specialist.

How has Joe Sheridan helped you?

By providing very helpful and constructive advice and feedback in respect of my pension investments. Providing a thorough annual review meeting.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think that, in light of recent market volatility, I have been very wisely advised, so no adverse comments.

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

To manage my pension.

How has Joe Sheridan helped you?

Joe’s advice has been invaluable in steering me through the investment markets.

Have you seen the outcome you were hoping for?

Absolutely!

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

To maximise our pension.

How has Joe Sheridan helped you?

Yes

Have you seen the outcome you were hoping for?

Covid got in the way. Otherwise OK.

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

Transfer workplace pension

How has Joe Sheridan helped you?

Good sound advice regarding pension

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?

the need to have someone professional, as my retirement was looming

How has Joe Sheridan helped you?

in many ways. Especially with managing to make a complicated process much easier to understand

Have you seen the outcome you were hoping for?

absolutely

What could they have done better?

nothing else I am aware of

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

ADVISE ON PENSIONS AND RETIREMENT

How has Joe Sheridan helped you?

PROVIDED APPROPRIATE ADVICE FOR RETIREMENT FUNDS, TRANSFERS OF PENSIONS AND INVESTMENTS

Have you seen the outcome you were hoping for?

ONGOING

What could they have done better?

SATISFIED WITH ADVICE

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

I was not satisfied with my previous advisor and transferred to Joe as my advisor and have been very happy with his advice

How has Joe Sheridan helped you?

Joe has advised on my pension transfers to Intelligent Pensions which went very smoothly and has since seen significant gains

Have you seen the outcome you were hoping for?

Yes

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

It was time that I reviewed my Pension Arrangements and I was recommended to try Intelligent Pensions.

How has Joe Sheridan helped you?

He has given me a detailed analysis of my situation with appropriate recomendations on Draw Down,

Have you seen the outcome you were hoping for?

Yes

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

Introduced to Joe by my financial adviser regarding my pension options

How has Joe Sheridan helped you?

He has supported me and my wife with good, solid financial advice over the last five years. His ethical and straightforward manner has given us confidence over the last few years when times were financially unstable

Have you seen the outcome you were hoping for?

Yes, things seem to have worked out ok even in this unstable financial climate

What could they have done better?

Not sure than anything could have been done

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

I was encouraged to look for an adviser to bring together all of my pension schemes.

How has Joe Sheridan helped you?

Joe has been a tremendous help in advising on my pensions and future.

Have you seen the outcome you were hoping for?

The pensions are currently up and down so not seen the true benefit at present as the markets are volatile.

What could they have done better?

It all depends on how volition the market is.

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

I needed help with a complicated pension arrangement

How has Joe Sheridan helped you?

Joe is very insightful and uses excellent diagnostics - he worked through a complex pension arrangement for me

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 was introduced to Joe by my finance advisor.

How has Joe Sheridan helped you?

Best advice given thus far, helped with drawdown and pension related earnings to help me with a financial income.

Have you seen the outcome you were hoping for?

Yes, and more.

What could they have done better?

In my view, they have done exceptionally well in every part.

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

To consolidate a number of pension pots and for broader financial advice.

How has Joe Sheridan helped you?

Joe clearly explained the process by which I could bring a number of pensions together and advised on longer-term planning.

Have you seen the outcome you were hoping for?

Yes. I now have a single, healthy, growing pension portfolio with a group I can trust.

What could they have done better?

N/A

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

It is vitally important to ensure that you have the appropriate advice with regard to one's hard earned savings which eventually provide the means for a happy retirement.

How has Joe Sheridan helped you?

Joe has a hand-on approach and his reporting and explanations are very clear so that even the uninitiated will be enlightened in the complex world of pensions.

Have you seen the outcome you were hoping for?

Careful planning and two-way communications will usually result in the desired result and in this respect Joe has delivered.

What could they have done better?

I am very happy with the excellent service that I receive in every respect.

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

When I retired my financial advisor recommended Intelligent Pensions and I trust my advisor implicitly. I have known him for 35 years - the previous few turbulent years have proven him correct.

How has Joe Sheridan helped you?

Joe has helped me further understand pensions/investments such that I do not lose sleep over financial matters.

Have you seen the outcome you were hoping for?

Yes. The last few years have been difficult for financial markets and I am happy that Joe's advice has kept me secure.

What could they have done better?

I cannot think of anything they could have changed. You can only play the hand you are dealt.

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

Numerous pensions in place; wanted to make them easier to manage, and to make best possible use of them.

How has Joe Sheridan helped you?

Provided advice/assistance with what to do with each of the pensions i have in place, and set up an investment portfolio for the funds that have been made available.

Have you seen the outcome you were hoping for?

The sole reason for being unable to give a '5-star' rating in the previous section (i gave '4-stars') is that, as a relatively new client, i have yet to reach the point where i start to benefit in a tangible way from the advice and assistance i've been given so far. I'm aware that, for the first couple of years, there will be little by way of tangible benefit so, in that respect, yes - i have seen the outcome i expected.

What could they have done better?

So far, everything has run very well - no complaints.

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

Had been with I P for a few years and the previous advisor retired and Joe took over.

How has Joe Sheridan helped you?

He and I meet annually to discuss how my pension pot is doing and he makes recommendations as to what level of risk I should be prepared to take to achieve my retirement goals.

Have you seen the outcome you were hoping for?

Well I’m a little disappointed at the lack of growth in the pot over the last few years. He assures me it’s doing well in comparison with the rest of the market, and that it is hitting most of the objectives, and obviously, the turmoil in the industry has not helped.

What could they have done better?

That is down to the personnel who recommend and buy and sell the shares that constitute my retirement pot. Don’t think Joe has any input in that regard

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

Multiple pensions pots needing streamlining etc. Introduces to Joe by our Financial advisers Harvest FM

How has Joe Sheridan helped you?

Amalgamated the various pension pots and focused our attention on our financial situation.

Have you seen the outcome you were hoping for?

Yes I was able to retire earlier than planned (Covid etc terminated my employment and I did not see any value/gain in working for another 2-3 years)

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

I looked to consoldate all of my pensions into one investment

How has Joe Sheridan helped you?

Joe is always available to discuss my pension income needs and keep me updated on changing legislation

Have you seen the outcome you were hoping for?

I have always received the outcome required and my income needs have been met

What could they have done better?

I don't think anything extra could be done better

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

To ensure i had a good pension when i retired

How has Joe Sheridan helped you?

He explained how my pension would work and benefit me in my retirement

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

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

I wanted to make sure my money was well invested and working for me

How has Joe Sheridan helped you?

Joe has guided me through the process and given advice that ensures I can retire when I want

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?

Retirement

How has Joe Sheridan helped you?

Good advice

Have you seen the outcome you were hoping for?

Generally but some average performances on occasions

What could they have done better?

Keep me informed more when funds are moved