Martyn Paterson

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

Retirement and inheritance planning

How has Martyn Paterson helped you?

He has worked the numbers and given projections over the next few years. All our finances are now in one place and we have an annual review.

Have you seen the outcome you were hoping for?

Yes - growth rates have been very good .

What could they have done better?

Nothing really

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

i had multiple pensions and required them to be brought under one drawdown pension

How has Martyn Paterson helped you?

he has guided me from day one with very clear advice

Have you seen the outcome you were hoping for?

i have more than seen the outcome i was hoping for and more than happy with it

What could they have done better?

nothing everything has been spot on

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

Need support with management of investments through retirement.

How has Martyn Paterson helped you?

Martyn has always provided impartial financial advice and taken a friendly proactive stance in helping us manage our investment portfolio.

Have you seen the outcome you were hoping for?

Overall, yes. Our portfolio is quite heavily biased towards stocks/shares so the performance has largely reflective of global markets. Long term averaged performance has been very satisfactory.

What could they have done better?

Follow up to our annual reviews - sharing informative investment performance trend data that was presented during our annual review. Also follow up with information on trusts to help us make an informed decision in this specific area.

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

Pension advice.

How has Martyn Paterson helped you?

Advice and consolidation of pension pots.

Have you seen the outcome you were hoping for?

Good progress.

What could they have done better?

At present, entirely happy with the service offered.

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

With retirement looming, we wanted ongoing financial planning advice ongoing.

How has Martyn Paterson helped you?

Reassurance that we will never run out of money, based on assumptions, and level of planned expenditure. Moving our portfolio’s from Morningstar to Dimentionel.

Have you seen the outcome you were hoping for?

Yes, during our meeting. We will receive notes and PDF confirmation of our Cashflow position through the Timeline Report and IO.

What could they have done better?

Nothing

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

I had a fairly complex set of financial issues due to some major unplanned changes to my status and I required ongoing advice to ensure the correct management of my portfolio.

How has Martyn Paterson helped you?

Continued to ensure my financial portfolio has been invested correctly and in accordance with my risk profile.

Have you seen the outcome you were hoping for?

Yes

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

A client of a previous company that had been bought by AAB.

How has Martyn Paterson helped you?

He has given advice both of a general nature and in response to specific questions of mine

Have you seen the outcome you were hoping for?

Yes.

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

Move my pension

How has Martyn Paterson helped you?

He has been very helpful

Have you seen the outcome you were hoping for?

Yes at the moment

What could they have done better?

Service be excellent

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

Advice on how to plan retirement and inheritance

How has Martyn Paterson helped you?

Investment & planning advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

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

I felt that I needed good advice on managing my finances and needed to plan better. Didn't think that what I was doing was the best that could be done.

How has Martyn Paterson helped you?

Martyn has helped with various aspects of financial planning, particularly in regards to pensions, savings and financial forecasting.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything.

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

To assist me understand investment options, risk and how I could effectively plan my finances for my family and I

How has Martyn Paterson helped you?

Martyn has helped me set a plan and then we monitor it at our annual meeting. He is also available if I need ad hoc advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing obvious springs to mind

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

Looking for help with planning our retirement

How has Martyn Paterson helped you?

Martyn has been so helpful in helping us to explore different options and to ensure we have the best outcomes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All been excellent

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

Financial Iheritance and requirement to plan for ahead for retirement.

How has Martyn Paterson helped you?

Management of investment of inheritance funds. Pension advice, investment in ISAs.

Have you seen the outcome you were hoping for?

We were looking to protect and hopefully grow our funds. One year in and everything is going as we had hoped. We have more stability and are moving forward.

What could they have done better?

No, we are happy with the investments and pension assistance we have had from Martin.

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

Recommended by a friend when I was ready to retire.

How has Martyn Paterson helped you?

Martyn has helped immensely, with financial updates and drawdown advise.

Have you seen the outcome you were hoping for?

Yes no issues at all.

What could they have done better?

Martyn is an excellent adviser, very friendly and explains everything in a manner you understand. I would recommend AAB and Martyn to anyone you requires financial advice.

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

plan for future

How has Martyn Paterson helped you?

advice on investments

Have you seen the outcome you were hoping for?

yes

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

To get sound advice on best to prepare financially for the future

How has Martyn Paterson helped you?

Provided sound advice on how to consider risk when it comes to various savings options

Have you seen the outcome you were hoping for?

Its early days with AAB but so far so good

What could they have done better?

nothing

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

Started contracting and wanted to consolidate previous Pensions from company schemes and get advice on private pensions and insurance requirements

How has Martyn Paterson helped you?

Clear advice and recommendations. Narrowed down to recommended options which made decisions Straightforward. Readily available for discussions and updates.

Have you seen the outcome you were hoping for?

Yes

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

Advise on my Pension

How has Martyn Paterson helped you?

With my Pension and ISA's

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

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

Retirement of our previous financial advisor

How has Martyn Paterson helped you?

Excellent review of future cashflow. Offered advice from other colleagues in the company on other financial matters

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that comes to mind

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

The need to pool various pensions together.

How has Martyn Paterson helped you?

We have had in-house annual meetings to review the current status of my financial portfolios.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am fully satisfied with the financial advice received to date.

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

Lack of financial and pension planning to date and the need to get organised!

How has Martyn Paterson helped you?

Practical, approachable, understands our circumstances and non technical speak is very helpful

Have you seen the outcome you were hoping for?

We have a plan in place, a much better idea of where are funds are and how they are performing and our pensions consolidated - so yes pleased with the outcome to date

What could they have done better?

We are not the best at responding/following up on actions so I wouldnt be offended if Martyns team wanted to chase us on a bit if we are holding things up

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

Everything is tracked in one place

How has Martyn Paterson helped you?

Gives sound practical advice on planning for retirement..

Have you seen the outcome you were hoping for?

Yes it’s good knowing where you are each year.

What could they have done better?

Not applicable

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

To group together pensions and have a plan for retirement in place

How has Martyn Paterson helped you?

Provided projections of different scenarios of how we may be financially moving towards retirement

Have you seen the outcome you were hoping for?

Early days still but going in the right direction

What could they have done better?

Achieving higher returns on the investments

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

TRYING TO GET LIFE IN ORDER

How has Martyn Paterson helped you?

giving good quality guidance

Have you seen the outcome you were hoping for?

Yes fairly positive

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

My original FA was bought out by Martyn's company

How has Martyn Paterson helped you?

He has made the transfer from the original company to the new one as seemlees as possible

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All good so far so nothing specific

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

I moved from international status via an oil company to re-patriate back to UK. Although planned, I wanted to get expert advice on how invest existing funds and develop a life plan for finances and pensions

How has Martyn Paterson helped you?

Martyn has provided a coherant financial life plan. Through Q&A sessions and a detailed Statement of advise we are very much more comfortable. Martyn (and Team) provided succinct advice and explained in depth the areas where we needed more clarification. Martyn is always very amenaible and helpful in the meetings.

Have you seen the outcome you were hoping for?

From the perspective of help and direction from Martyn and the Team at A2B, then yes.

What could they have done better?

Keep up the good work.......I have no feedback to offer on improvement oppertunities.........

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

Required expert financial advice on my company pension, where to invest it and recommendations for the long term.

How has Martyn Paterson helped you?

Giving clear advice on how best to invest my pension pot for short and long term futures. And how best to take any income from my investments.

Have you seen the outcome you were hoping for?

It’s hard to say given the financial markets in the past two years or so ….but currently this last three weeks things have picked up…so looking promising.

What could they have done better?

I can’t think of anything obvious as everything went pretty smoothly during the process

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

Looking to receive advise on a defined benefits pension transfer

How has Martyn Paterson helped you?

Martyn, over many meetings has taken time to listen and implement a financial plan to meet our retirement needs, now and in the future

Have you seen the outcome you were hoping for?

Yes, Martyn provided advise which enabled us to make an informed choice on how to access benefits tax efficiently

What could they have done better?

In our opinion, Martyn has exceeded our expectations as our trusted financial planner

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

Martyn makes the financial review and advice easy and understandable. He offers sensible and valuable advice. He is prompt in any requests for assistance. It is a pleasure dealing with him.

How has Martyn Paterson helped you?

Transferring out of a DBP and then follow up financial planning

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I thought the service was excellent and Martyn gives me confidence in his ability and advice.

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

My previous financial adviser was retiring and organised his clients to transfer to AAB

How has Martyn Paterson helped you?

He has clearly explained the slightly different set up from my previous financial adviser and has set in motion a plan to clarify my needs and goals heading towards retirement.

Have you seen the outcome you were hoping for?

Yes, the transfer has gone smoothly and my investments ae still growing.

What could they have done better?

So far I haven't any concerns.

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

Inheritance investment

How has Martyn Paterson helped you?

Advice and planning

Have you seen the outcome you were hoping for?

Only recently

What could they have done better?

Nothing

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

I was taking early retirement and was looking to transfer my pension pot so I could control my own destiny

How has Martyn Paterson helped you?

he walked me through the different stages of the process ( putting it into simple terms that I could understand.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Well they've been very good so far , though the returns haven't been that great though to be fair that's more to do with the world's economies at the moment !

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

Investing for the future

How has Martyn Paterson helped you?

Martyn has made everything easy.

Have you seen the outcome you were hoping for?

To date i have been completely satisfied with the service.

What could they have done better?

Martyn could have taken me golfing during the sunny days we had and let me show him i am better at golf than him!!

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

Was looking for a new advisor

How has Martyn Paterson helped you?

By keeping it simple

Have you seen the outcome you were hoping for?

Probably not, but that has more to do with outside issues, covid etc.

What could they have done better?

Nothing

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

Planning for my reduction in income and semi retirement leading to retirement.

How has Martyn Paterson helped you?

I've also gained insights and understanding of the tax system that has resulted in significant financial gains, and our discussion last month has made me dive deeper into discretionary trusts.

Have you seen the outcome you were hoping for?

Yes, but I've also gained insights and understanding of the tax system that has resulted in significant financial gains.

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

We wanted to make sure we were doing the right things to have financial security when we retire

How has Martyn Paterson helped you?

Great advice, simple to understand, making what looks and sounds complicated situations understandable

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Have fees based on performance of portfolio

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

I was looking to put all my pensions into one pot, and get some sound advice and help.

How has Martyn Paterson helped you?

Martyn sorted out everything that was required and keeps me informed regularly.

Have you seen the outcome you were hoping for?

Due to the current financial climate, I would say my finances have stood up well.

What could they have done better?

Nothing, maybe bigger coffee cups.

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

word of mouth from a friend

How has Martyn Paterson helped you?

understanding financial market a bit better

Have you seen the outcome you were hoping for?

not entirely but quite happy

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

Looking Transfer my company pension

How has Martyn Paterson helped you?

Absolutely, expert advice

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

Retirement

How has Martyn Paterson helped you?

He has been very informative

Have you seen the outcome you were hoping for?

Poor performance so far

What could they have done better?

Not him personally but company wise I would like to see my investments perform a lot better

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

financial planning

How has Martyn Paterson helped you?

In our personal financial planning

Have you seen the outcome you were hoping for?

yes the modeling used by Martyn was very helpful and gave us a high degree of comfort in our future finance planning

What could they have done better?

Nothing.

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

Pension pot

How has Martyn Paterson helped you?

With advice, and tryst

Have you seen the outcome you were hoping for?

A little disappointing but markets have been slow

What could they have done better?

Nothing really always there to help

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

Early retirement

How has Martyn Paterson helped you?

He pulled my pensions together into one pot which I can see when required.

Have you seen the outcome you were hoping for?

I'm only 1 year in so difficult to answer this question, but my investment has grown

What could they have done better?

Like I said I'm one year into this ....time will tell

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

Manage our pension and savings funds.

How has Martyn Paterson helped you?

Giving good advice when and where required.

Have you seen the outcome you were hoping for?

Yes all have gone as planned.

What could they have done better?

Nowhere.

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

A

How has Martyn Paterson helped you?

A

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?

Unhappy with existing advisor

How has Martyn Paterson helped you?

Assisted in setting up new pension plan.

Have you seen the outcome you were hoping for?

Yes

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

Had a few pensions that needed to be taken together and needed advise and support to do this.

How has Martyn Paterson helped you?

By keeping us informed how our portfolio is Woking for us and when we needed to with draw money he arranged this for us, making it stress free .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing very happy with everything.

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

Martyn advises me on all my pension maintenance which inevitably borders onto generic financial advice wrt markets, tax, planning etc

How has Martyn Paterson helped you?

Martyn explains what’s been happening and things to look out for in the future. I have an engineering mind so knowing cause & effect of events is my style. Through time I’ve become more relaxed and comfortable with Martyn and the AAB team and ask less questions. This mindset is because of time, patience and effort by Martyn in meeting my needs for information initially and to such an extent that I now feel that careful experts are looking after my fund and best let them just get on with it!

Have you seen the outcome you were hoping for?

Always hope for more returns but can’t complain at this years returns

What could they have done better?

AAB have been on a significant merger / acquisition period, it would be good to hear more about the company health both as a whole and for the Wealth team.

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

Inheritance from late husband.

How has Martyn Paterson helped you?

Easy and clear 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 have had advisers for many years and moved to AAB on the great feedback I received from clients that I knew.

How has Martyn Paterson helped you?

Martyn’s advise has been very welcome and eased our worries on taking an early retirement.

Have you seen the outcome you were hoping for?

Yes we have.

What could they have done better?

I don’t think there is anything they could have done better in our situation.

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

Retirement

How has Martyn Paterson helped you?

With open discussions and advice. By holding meetings where he is prepared for the topics in question and ready to share his financial knowledge and expertise.

Have you seen the outcome you were hoping for?

I am happy with the advice given and the action taken.

What could they have done better?

Nothing specific comes to mind.

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

Required advice on planning for my retirement.I had a company defined benefits pension and was keen to explore all available options.

How has Martyn Paterson helped you?

By giving good advice and explaining everything in a clear way which is easy to understand.

Have you seen the outcome you were hoping for?

Yes-investment has been affected by current economic situation over the last 2 years but has still been performing reasonably well.

What could they have done better?

Nothing-all good.

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

We had a lump sum to invest at retirement, out with a Company defined benefits pension, and wanted a more knowledgeable investment platform for those funds rather than managing ourselves.

How has Martyn Paterson helped you?

Martyn has been excellent. He has provided very clear advice both initially and during our annual face to face meetings.

Have you seen the outcome you were hoping for?

Yes with respect to having a more balanced and risk weighted investment portfolio. Returns may not have been as high as hoped over the last couple of years but recognise global forces have had an influence on this.

What could they have done better?

Nothing really.

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

Required advice on investment/ savings. Future/ retirement planning.

How has Martyn Paterson helped you?

Have been transferred to Martyn from previous advisor who is retiring. Have only been with him for few months but all good so far!

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 had a lump sum of money to invest

How has Martyn Paterson helped you?

Responds promptly to emails. Have 6 monthly catch up / review meetings.

Have you seen the outcome you were hoping for?

Not really but this is due to market and economy conditions which is nothing that Martyn can control.

What could they have done better?

Nothing springs to mind

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

existing advisor is retiring, he recommended Martyn, and after initial meeting, I was delighted to have him as my advisor

How has Martyn Paterson helped you?

He has a very pleasant manner, down to earth and and his advice has been quite successful.

Have you seen the outcome you were hoping for?

it has been only approximately 6 months since joining Martyn, but up to now I am very happy with the service and advice

What could they have done better?

it is early days since we began and I am hoping for an increase in the value of my investment

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

Had funds and didn't know what to do

How has Martyn Paterson helped you?

Guided me to be tax efficient

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

xxx

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

Transition from tax planning to retirement planning

How has Martyn Paterson helped you?

Picked up my account from previous Advisor; who had moved on.

Have you seen the outcome you were hoping for?

Generally yes.

What could they have done better?

Nothing

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

Martyn and his organisation manage my investments. I rarely need to ask for advice but when required find him prompt and knowledgeable.

How has Martyn Paterson helped you?

Through an annual ftf to discuss the status of my investment, and discuss any potential changes required and potential changes to my circumstances.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing obvious springs to mind.

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

Opt out if my company pension and plan for an earlier retirement

How has Martyn Paterson helped you?

He has helped, advised and explained everything.

Have you seen the outcome you were hoping for?

Yes most definately

What could they have done better?

Nothing at all. Everything has been taken care of

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

AAB have taken over the Kilkee business who i was a client of

How has Martyn Paterson helped you?

There has been clear and open dialogue with Martyn on the potential for moving forward with my retirement plans

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

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

Approaching likely end of employment with Apache

How has Martyn Paterson helped you?

Advice - financial planning - investment management

Have you seen the outcome you were hoping for?

Yes - have received good advice on how to approach financial aspects of retirement

What could they have done better?

Nothing stands out - very satisfied with service to date

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

My pensions, savings and money prospects in retirement

How has Martyn Paterson helped you?

Martyn is easy to get on with, patient and answers my random questions plus reassures me. I trust his advice. Good at explaining my financial situation in a manner I understand.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, happy with everything so far.

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

Retirement planning

How has Martyn Paterson helped you?

Advice on pensions and financial planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I think they covered every aspect we required

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

Due to specific family circumstances I sought advice on transferring a final salary pension to a SIPP.

How has Martyn Paterson helped you?

He carefully assessed my needs and made considered recommendations. He has given me the confidence that my pension provisions are soundly based and illustrated their sufficiency to fund the financial requirements of my immediate family on a look forward basis. The advice has been well reasoned and illustrated.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I can think of.

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

Requirement to properly understand all of the pensions I had and determine a retirement strategy and plan. Ensuring that my retirement timeline was achievable.

How has Martyn Paterson helped you?

Enabled me to understand that my desired retirement age is achievable and has spread my money around to the correct level of risk to suit my requirements.

Have you seen the outcome you were hoping for?

So far yes but it is a long term plan and the proof of the outcome is yet to be realised.

What could they have done better?

Nothing comes to mind at this time.

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

For my financial affairs to be looked after properly

How has Martyn Paterson helped you?

Streamlined my financial affairs from my previous financial planner to his services

Have you seen the outcome you were hoping for?

So Far so good

What could they have done better?

Nothing that I can think of

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

Early retirement

How has Martyn Paterson helped you?

Yrs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to my knowledge

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

Just needed advise as at the time was a limited company.

How has Martyn Paterson helped you?

With the correct information at the time I required it.

Have you seen the outcome you were hoping for?

yes I have.

What could they have done better?

Nothing

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

Redundancy

How has Martyn Paterson helped you?

Clear advice based on my situation and requirements

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 invest some money.

How has Martyn Paterson helped you?

He has been fantastic at every stage of the process. Informative, concise, and totally professional.

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?

Seeking financial planning advice.

How has Martyn Paterson helped you?

Clarity and focus around personal financial planning.

Have you seen the outcome you were hoping for?

Yes advice received has been fantastic.

What could they have done better?

Nothing