Kelly Shek

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

Financial planning, investments and savings.

How has Kelly Shek helped you?

Helped provide guidance and support for financial planning, investments and savings.

Have you seen the outcome you were hoping for?

Yes.

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

Lack of understanding around savings/stock market.

How has Kelly Shek helped you?

Kelly has simplified things for me, and since switching from my previous adviser, instilled more confidence with regards to my financial performance.

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?

I needed guidance and advice on investing the monies from my late husband’s estate.

How has Kelly Shek helped you?

Having never required financial advice before, Kelly carefully and fully explained to me the options available and how to invest the monies in the most tax efficient way. The financial planning and cashflow modelling service has given me reassurance for my and my children’s financial security.

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?

Recently took early retirement from employment.

How has Kelly Shek helped you?

My financial planning was a bit adhoc without a great deal of structure. Following discussions with Kelly I feel we now have a very structured financial plan with clear long term goals.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I believe Kelly listened to our desired outcome in terms of retirement and future lifestyle and I believe we have the financial plan to achieve our goals.

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

The area of pensions due to approaching retirement.

How has Kelly Shek helped you?

Introduced other options available to me that I wasn't even aware of.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing that I'm aware of.

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

My previously advisor retired and my portfolio was transfered to AAB Wealth.

How has Kelly Shek helped you?

Kelly provided a clear overview of the products on offer, the methodology used by AAB Wealth for investing and the risks involved she has also helped resolve some intial issues and is providing a financial plan that will help us going forward.

Have you seen the outcome you were hoping for?

Yes

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

Pension planning with tax free withdrawal

How has Kelly Shek helped you?

Assisted with change of plan with better returns

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No issues to report

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

To make sure pensions and investments were optomised.

How has Kelly Shek helped you?

Sorted out our pensions and savings.

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?

Wanted to have a plan in place for retirement that involved increasing my pension value, do i need to put more money into my pension, do i need to build up ISA's, saving etc.

How has Kelly Shek helped you?

We reviewed my current pension & savings etc and forecast how this would look like at age 60 when id prefer to retire. From this we were able to determine my current pension contributions would be sufficient but I should put money into a new stocks and shares ISA to supplement the pension tax free.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I trust Kelly entirely and is why my wife and i have moved our pensions etc to me managed by her.

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

Pension planning

How has Kelly Shek helped you?

With pension and financial planning

Have you seen the outcome you were hoping for?

Yes

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

Planning ahead for retirement

How has Kelly Shek helped you?

She gave us advice on planning ahead and budgeting for my retirement.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

I was very happy indeed with the outcome, and believe all my requirements were met.

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

My wife and myself wanted to start Financial planning for our upcoming retirement.

How has Kelly Shek helped you?

As well as guiding us through the process and giving as lots of valued advice and answering all our questions Kelly has made us feel comfortable about the decisions we were making and we are both reasured by the fact that we will have Kelly's guidance and advice into our retirement.

Have you seen the outcome you were hoping for?

Yes we have, very much so, exceeded expectations.

What could they have done better?

Nothing l can think of as very happy with everything.

Please provide a brief comment about your experience with Kelly

Since meeting Kelly she's been excellent, very professional, knowledgeable and extremely patient. She's really good at explaining the process and pointing us in the right direction to help us pick the right package. if there was more stars above, I'd happily give Kelly more.........

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

Transfer of business from previous adviser

How has Kelly Shek helped you?

Kelly has helped in planning my husband’s retirement and with our forward financial planning to accommodate this.

Have you seen the outcome you were hoping for?

Yes - we are in a better position to know what our financial position will be in retirement.

Please provide a brief comment about your experience with Kelly

Very likeable, very professional and very knowledgeable.

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

Managing several pensions and creating a new pension portfolio

How has Kelly Shek helped you?

She allowed us to quickly free up tax free portions of my pensions, and also ISA drawdowns, needed to pay for building work.

Have you seen the outcome you were hoping for?

I believe many personal finances have taken a hit recently, particularly as older, cautious investors like me got caught by recent bonds collapse. I expect they will return, given time.

What could they have done better?

Not sure - avoided the Bonds hit?

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

My business was transferred to Kelly when my original adviser merged with AAB and then retired

How has Kelly Shek helped you?

Kelly helped transfer my investments and also consolidate my pension plans

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 of previous Financial Advisor, business was transferred to AAB.

How has Kelly Shek helped you?

Kelly has provided clear and jargon free explanations of my financial situation. She has dealt with my questions & requests in a timely manner.

Have you seen the outcome you were hoping for?

To date, yes. Early stage of my dealing with AAB.

What could they have done better?

No comment re above question

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

Too many separate pensions. Lack of growth

How has Kelly Shek helped you?

Kelly accumulated all my pension pots and advised me on risk and investment strategy

Have you seen the outcome you were hoping for?

Too early to tell

What could they have done better?

Service is exactly as I expected

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

Have been a client of Kelly's for over 10 years now and have always found her excellent. So delighted to still be with her.

How has Kelly Shek helped you?

She has always been excellent and very helpful. Even helped us with computer issues, even doing it along with us. Have built a lovely relationship over the years with her and enjoy our meetings.

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?

Private pension and director bonuses to ensure I was investing wisely

How has Kelly Shek helped you?

Kelly has been so helpful in giving me a great insight into managing my personal funds and planning for the future through investing into my pension. She is very easy to talk to and explains everything in simple terms which allows me to feel confident in her advise and in my investing decisions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, I am delighted with the service provided by Kelly!

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

To consolidate several pensions

How has Kelly Shek helped you?

With great advise

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 of original financial adviser

How has Kelly Shek helped you?

Transition from Kilkee to AAB has been seamless.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to add here

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

I required advice on consolidating my pensions from previous employers and further advice on pension planning.

How has Kelly Shek helped you?

Kelly has assisted in transferring pension pots, considering acceptable levels of risk and future income and expenditure planning.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don't think there is anything that could have been done better.

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

Money management

How has Kelly Shek helped you?

Yes

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?

Received a substantial amount of money through work related income and inheritance money from family member

How has Kelly Shek helped you?

By explaining everything in great detail so we can understand as best we can how our monies are being used to give us a good return. By listening to what it is we require in relation to what we require for a good income

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?

Previous advisor not communicating as well as no financial benefit in previous years

How has Kelly Shek helped you?

Easy person to talk to as well as a great listener. She understands your requirements and keeps it simple and informative.

Have you seen the outcome you were hoping for?

It is still early to see any impact on the planning

What could they have done better?

Nothing as far as I can see.

Please provide a brief comment about your experience with Kelly

Lovely person, friendly and very knowledgeable. Having never invested before it was great peace of mind to have everything explained clearly and made understandable.

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

I find financial matters complex and outwith my current skillsets. I believe in getting professional help for specialist matters.

How has Kelly Shek helped you?

Kelly has advised on a number of financial matters. These have included pensions, investments and salary sacrifice advice. She has also spearheaded the change over from my previous financial advisor to ABB who bought out my previous FA due to retirements by the owner. Kelly has made the whole transition process simple, transparent and worry free.

Have you seen the outcome you were hoping for?

Yes, I have had hoped for outcomes so far and I have no reason to doubt this will continue into the future

What could they have done better?

I am happy with Kelly's advice and her performance to date.

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

Unhappy with previous Financial Advisers.

How has Kelly Shek helped you?

Very much so, i had previous engagement with Kelly via Mathieson Financial but lost contact after Thornton's acquired them.

Have you seen the outcome you were hoping for?

Most definitely, above and beyond expectations..

What could they have done better?

I doubt Kelly could have done anything better in the short period i have been under the AAB banner. Martyn Patterson and Kelly have completely restored my confidence in financial planning.

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

Due to retirement and the selling of the business, the financial adviser I was with for many years transferred my portfolio to AAB. This is where I was introduced to Kelly who has now become my financial adviser.

How has Kelly Shek helped you?

Kelly has been very thorough in going through my portfolio in great detail. Suggesting and implementing agreed changes. Kelly has a very pleasant manner and has shown great patience going through all the details and the options available to me. Communications have been very clear, easy to understand and timely.

Have you seen the outcome you were hoping for?

Kelly has not only met my expectations but has exceeded them. I am more comfortable with the current management of my portfolio now than I have ever been.

What could they have done better?

I can't think of anything that could have been done better.

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

We wanted to do something with our savings.

How has Kelly Shek helped you?

Kelly was very friendly and clear on everything,

Have you seen the outcome you were hoping for?

not yet as this is very new to us.

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

Current financial adviser was retiring

How has Kelly Shek helped you?

Reviewed my current situation, looked at our short and long term plans and provided excellent advice about the utilisation of my pension funds.

Have you seen the outcome you were hoping for?

Absolutely

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?

I initially contacted AAB in 2021 about financial planning leading up to retirement.

How has Kelly Shek helped you?

Provided all the requested information and answered all my queries (some of which were repetitive and involved...)

Have you seen the outcome you were hoping for?

So far yes. All finances reviewed and most investments (some pensions and all ISAs) conslidated onto the abrdn platform. Too early to say whether the expected investment performance will exceed the slightly higher fees but I am hopeful it will based on my experience with AAB and Kelly so far.

What could they have done better?

Some of the fund performance illustrations were a bit confusing as different funds used different rates and some included fees and inflation and others don't. This isn't Kellys fault but it took a while to work through. I would like to see comparisons and projections using the same figures - preferably with fees and charges and inflation all accounted for.