Howard Bullock

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

How has Howard Bullock helped you since your last review?

Always on hand for advice

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

How has Howard Bullock helped you since your last review?

Howard has been very informative over the years and has always been professional and given sound advice. When I see Howard he always instals confidence in my investments, making my decisions easy for me to understand.

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

How has Howard Bullock helped you since your last review?

We have continued to use Howard Bullock's services to provide our Company's Income Protection for our senior employees.

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

How has Howard Bullock helped you since your last review?

He has continued to manage my pension.

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

How has Howard Bullock helped you since your last review?

Helped me understand the progress of my investments

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

How has Howard Bullock helped you since your last review?

Keeps us regularly up to date.

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

How has Howard Bullock helped you since your last review?

Howard has advised me on how best I should contribute into my pension fund. He has also recommended a specialist company that provides an app to allow me to track the performance of my pension.

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

How has Howard Bullock helped you since your last review?

For assistance with additional pension payments and other investments

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

I wanted to plan for the future and required good advice for Pension planning.

How has Howard Bullock helped you?

Howard has over the years provided trustworthy advice in order for me to feel secure about my investments.

Have you seen the outcome you were hoping for?

I feel my investments are managed securely and heading in the right direction for the future.

What could they have done better?

At present I am happy with the advice provided.

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

To tidy up my pensions and look for a strategy for investment.

How has Howard Bullock helped you?

My pensions have been consolidated and I get regular reports on the performance of my pensions and investments.

Have you seen the outcome you were hoping for?

I am very pleased with the outcomes.

What could they have done better?

I cannot think of anything that could have been improved.

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

How has Howard Bullock helped you since your last review?

Always very professional and easy to talk to. i have found howards advice to be very beneficial

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

My business was going well and I wanted to ensure that we would have an adequate income in retirement

How has Howard Bullock helped you?

Howard explains things very clearly and there is never any pressure sell . He has been very helpful in providing advice on a variety of products that protect me from market fluctuations. This applied to both the company and personal investments.

Have you seen the outcome you were hoping for?

Yes infact I would say more than I had expected.

What could they have done better?

No I dont think so , although I do dabble a bit I wouldn't have had the knowledge or expertise on the variety of products available .

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

Looking for advice with regards getting my pension organised in peroration for retirement

How has Howard Bullock helped you?

Howard helped me with the set up of a sipp ,making the best use of funding and combining the various pots that I had into one place

Have you seen the outcome you were hoping for?

yes , have felt the benefit of the planning

What could they have done better?

to be honest not a lot , as long as you feel comfortable with you advisor and trust what you are being told which I was then that's great

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

I wanted to start investing for my retirement.

How has Howard Bullock helped you?

Howard discussed with me my own personal circumstances and then asked me to fill in an electronic questionnaire to gauge my level of risk. Howard knew that it was important to me to invest ethically and so he identified funds which met this criteria.

Have you seen the outcome you were hoping for?

The stock market has experienced ups and downs over the years but I have seen consistent growth in my investments. The yearly review I have with Howard enables us to look back on the year and to compare the growth in the funds that I currently hold with the growth that comparable funds have experienced.

What could they have done better?

I have always found Howard very responsive whenever I have contacted him about any aspect of investing. I cannot think of anything that he could have done which he isn't already doing.

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

We have used other advisors, but wanted a more personal touch that is difficult to find at the more institutional advisors

How has Howard Bullock helped you?

He has carried out a holistic review of the family business and finances and helped us to plan to meet our goals. Howard is very clear with his advice and ensures that his and our interests are fully aligned.

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?

Needing help in navigating a pension of mine that had matured

How has Howard Bullock helped you?

Overcoming the hurdles put in front of me by the financial institution that was holding my policy. I had no idea of the complexities of accessing my pension. Howard & his team have created an open & honest dialogue, allowing us to review all options available to us. I have known Howard for over 30 years & can testify to his honesty & integrity ..

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I just wish I would have used their service sooner

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

Needed advice on my investments

How has Howard Bullock helped you?

Yes

Have you seen the outcome you were hoping for?

Yes. Very happy.

What could they have done better?

Nothing

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

My previous advisor was retiring and recommended and introduced Howard Bullock

How has Howard Bullock helped you?

he has helped with some necessary forward planning with respect to inheritance tax

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

i have received advice regarding everything necessary, therefore, I do not think so.

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

I wanted to change from a London based adviser to a local adviser

How has Howard Bullock helped you?

Howard has always given me honest advice and I believe, good information. He has helped with pensions and setting up a VCT.

Have you seen the outcome you were hoping for?

Yes, overall I am happy with the advice received from Howard.

What could they have done better?

Nothing

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

Pension review

How has Howard Bullock helped you?

Howard has provided sound advice on planning for our drawdown pension and forthcoming plans

Have you seen the outcome you were hoping for?

In the most part yes

What could they have done better?

Nothing, given pandemic circumstances

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

I’ve known Howard for over 30 years. We used to work together and are also friends.

How has Howard Bullock helped you?

Howard has helped me with pensions and investments and his advice has been invaluable as there are so many variables/choices.

Have you seen the outcome you were hoping for?

Yes. In many ways.

What could they have done better?

To be honest I don’t think they could do anything better. Clear and honest advice is all I want.

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

i was looking to get advice regarding my pension

How has Howard Bullock helped you?

Help me me advice to maximise pension contributions , and organise SIP

Have you seen the outcome you were hoping for?

yes everything has been good

What could they have done better?

Nothing , ultimatly its the clients choice so its nice to feel that the advice has been spot on and made the choices easy.

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

To consolidate a number of pensions and to start investments

How has Howard Bullock helped you?

Helped me consolidate and choose funds for long term growth.

Have you seen the outcome you were hoping for?

Yes Howard has helped massively and has been very helpful.

What could they have done better?

I cannot think of anything that he could have done better.

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

We wanted to get more from our savings and pensions without taking too many risks.

How has Howard Bullock helped you?

Howard helped us to achieve our aims with clearly explained advice.

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 needed sound financial advise. i tried others before, howard was by far the best !

How has Howard Bullock helped you?

investing, pension, planning

Have you seen the outcome you were hoping for?

and some

What could they have done better?

nothing

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

Friends had previously used Howards services and he came highly recommended

How has Howard Bullock helped you?

He has discussed my financial affairs in full and has put together a plan in the hope to earn a positive return from my small investments, However, nothing is guaranteed.

Have you seen the outcome you were hoping for?

Early days. With the current uncertainty, I do not envisage any major movements at this time.

What could they have done better?

At this moment in time, nothing

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

I reached an age of 40 years old and needed to get a pension sorted, as I have been self employed most of my life. The advice was professional and very well explained. I was put onto a portfolio that was affordable and suited me and my business.

How has Howard Bullock helped you?

Howard as always given me sound advise and kept me up to date of how my portfolio is and has been performing.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

I am totally satisfied and would highly recommend Howards services.

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

I was in the process of setting up a new business with a growing family and I needed some sound financial advice. My accountant recommended Howard to me.

How has Howard Bullock helped you?

Howard has advised me on all matters relating to investments, pensions, life insurance and business insurance.

Have you seen the outcome you were hoping for?

Yes I have and I am very pleased.

What could they have done better?

I have no yard stick from which I can compare Howard’s services. But suffice it to say I have always been very impressed with all the honest and impartial advice that he gives me and the very professional manner in which he provides his services.

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

Looking for a professional advisor

How has Howard Bullock helped you?

Good explanation of our investments and how they perform

Have you seen the outcome you were hoping for?

Yes, but we are looking long term.

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

Potential annual allowance issue with my pension.

How has Howard Bullock helped you?

Howard was very clear and concise during our conversations regarding annual allowance and was keen to ensure I understood the information he had provided me with.

Have you seen the outcome you were hoping for?

Yes. I am now confident that I will not exceed my annual allowance and have a full understanding of how this works.

What could they have done better?

I cannot think of anything that Howard could have done better. He was friendly, helpful and informative and answered my questions in a way that I understood.

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

I had to find someone to advise me on how best to invest my sons inheritance, along with pension advise for myself.

How has Howard Bullock helped you?

I found Howard to be very professional and presentable. He is very knowledgable and offers the best advise. I gave Howard the task to invest my sons money wisely whilst also giving a good return. He has also taken on my pension. I cant recommend Howard Bullock enough. I have already given his details to other friends and work collegues.

Have you seen the outcome you were hoping for?

I have already seen the rewards. I know that Howard will monitor everything closely and advise where need be.

What could they have done better?

I feel that Howard Bullock has done everything he could have in the way of advise and being on hand.

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

I find pension jargon totally confusing, and looked help understanding, so I could be sure my personal pension was working for me

How has Howard Bullock helped you?

Not only did he help me better understand how my pension was working, he also found me an new improved one and made the transfer easy.

Have you seen the outcome you were hoping for?

Yes, despite the ups and downs caused by brexit, covid etc I'm very happy with the changes made

What could they have done better?

Can't think of anything that could be done differently

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

Retirement

How has Howard Bullock helped you?

General financial planning

Have you seen the outcome you were hoping for?

Market dependent

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

I felt that i needed some overall advice on my future planning for retirement along with some insurance requirements

How has Howard Bullock helped you?

He has provided me with a very clear and unbiased understanding of how to satisfy my requirements

Have you seen the outcome you were hoping for?

Yes absolutely!

What could they have done better?

Come into my life earlier!!

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

Howard and his team have assisted me with making sense of my pension - moving it to a more appropriate platform and providing me and my family with general good financial advice.

How has Howard Bullock helped you?

Excellent advice and a simple process and platform to manage my financial affairs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Well, perhaps biscuits with the coffee...

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

Very knowledgable and professional.

How has Howard Bullock helped you?

Good advice on investment options and choosing funds.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Couldn't have done better.

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

Health

How has Howard Bullock helped you?

Howard helped to arrange pensions and give expert financial advice on other areas

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing 100% satisfied

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

Professional Pension advice.

How has Howard Bullock helped you?

Howard reviews my Pension from time to time and proposes better investments should they arise.

Have you seen the outcome you were hoping for?

Howard recently moved my Pension plan for a more productive package, this should see a better return on investment.

What could they have done better?

Im pleased with the advise Howard provides and I trust in his expertise and experience.

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

To help & understand with financial investments , also helping me to find the best pension options that suited me

How has Howard Bullock helped you?

He helped us by searching financial investments that we wanted He helped me buy searching and advising me on the pro & cons of differant pension schemes

Have you seen the outcome you were hoping for?

Yes our investments have been generally what we expected

What could they have done better?

Nothing considering the present climate

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

I had monies that needed placing somewhere other than a cash savings account.

How has Howard Bullock helped you?

Worked with us to identify the level of risk that we wanted to take. Howard gave us time to think about our decisions to ensure we were comfortable with our choices. He also talked us through a number options explaining the various features.

Have you seen the outcome you were hoping for?

So far, our investments have been on a rising curve, definitely an improvement on a cash savings account.

What could they have done better?

Not sure

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

I had various pensions that hadn’t been looked at for some time, and needed good advice.

How has Howard Bullock helped you?

He assessed my pensions , and my needs and aspirations for the future, and advised me very professionally on the best way forward.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything was done to the best standard.

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

Following an inheritance, I was at a point I needed a financial advisor to help plan my future.

How has Howard Bullock helped you?

We reviewed my situation and what I was hoping to achieve for the future. Having reviewed what my current investments were, we looked at my options to grow my savings. He was very helpful in explaining the options and making sure I was comfortable with the strategy taken.

Have you seen the outcome you were hoping for?

It was a medium to long term strategy and I am pleased with the growth so far in what has been a difficult period with both Brexit and Covid.

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

To establish whether I should be consolidating my pensions

How has Howard Bullock helped you?

By providing evidence as to why I should consolidate 3 of my pensions into 1 new producy

Have you seen the outcome you were hoping for?

Yes but still very early days in terms of how it will perform

What could they have done better?

Not sure

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

Having started my own business I felt I needed some help and advice

How has Howard Bullock helped you?

Howard explained my options and facilitated the consolidation of my pensions. He also provided advice on life insurance and income protection.

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 to put a pension in place and address some other financial planning issues

How has Howard Bullock helped you?

He was very helpful and knowledgeable and made me feel very at ease. So much so I have already recommended him to a friend.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I feel Howard did an excelelnt job and I am very happy with the outcome.

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

We have used Howard Bullock's services in excess of 10 years to provide our Company's Income Protection for our senior employees.

How has Howard Bullock helped you?

Howard personally reviews the renewal of our insurances each year and advises us on the best possible cover for our staff at the most competitive rates.

Have you seen the outcome you were hoping for?

Yes, we are happy with the services that he has provided to us.

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

I did not have a pension set up and didn't know where to start.

How has Howard Bullock helped you?

Howard explains everything without jargon, in nice simple terms. He is always clear about fees and ensures that we are always monitoring our life changes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all

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

Wanted someone local that provided a better service than the existing fanancial advisor.

How has Howard Bullock helped you?

He advised me on investment funds. He set up my ISA and gave me pension advice.

Have you seen the outcome you were hoping for?

Investment performance so far has been good.

What could they have done better?

Nothing

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

Not financially savvy and needed support after divorce.

How has Howard Bullock helped you?

Investing. Pension 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 was not happy with my previous adviser

How has Howard Bullock helped you?

Howard recommended a new platform for my pension and pension investments. He also recommended that I invest in a VCT which I did and it has performed very well.

Have you seen the outcome you were hoping for?

Yes, the investments are doing well.

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

Needed taper relief calculation to determine feasibility of a lump sum payment into my pension.

How has Howard Bullock helped you?

Carried out calculation of taper relief and annual allowance so any lump sum payment into my pension was within government limits and increased my tax efficiency position.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I do not feel any improvements were required. The service I received throughout was thorough and professional.

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

To tidy up alot of pensions and for someone to choose the most appropriate funds for my level of risk.

How has Howard Bullock helped you?

Massively in every way possible. His illustrations were very useful and appropriate.

Have you seen the outcome you were hoping for?

Yes - so far so very good.

What could they have done better?

Nothing. They have been exemplary.

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

Help with pension and inheritance planning in retirement

How has Howard Bullock helped you?

Understood what i wanted and helped put in place the plan i needed

Have you seen the outcome you were hoping for?

Yes it has gone well considering the difficult markets we are having to deal with

What could they have done better?

To be honest not a lot , his advice has been good , he is easy to talk to , takes on board any concerns i might have , and is easy to get hold of when i need to talk.

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

Knowledge and experience

How has Howard Bullock helped you?

First class service and advice from Howard and his team are always efficient and nice to deal with - as is Howard. I always recommend Howard to my clients and other associates.

Have you seen the outcome you were hoping for?

Yes without doubt

What could they have done better?

I cannot think how they could improve further.

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

Thinking about my retirement and establishing a private pension for my retirement.

How has Howard Bullock helped you?

Howard listened to what I was looking for and then went away and thoroughly researched the best options for me. In particular I was looking for ethical funds that I could invest in and Howard was able to identify funds that matched these criteria.

Have you seen the outcome you were hoping for?

It is early days but so far I am happy with the way that my fund is growing given the current economic and political climate.

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

I’m financially clueless

How has Howard Bullock helped you?

Advice and support

Have you seen the outcome you were hoping for?

Yes but ongoing

What could they have done better?

Nothing

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

I was made redundant and looking at what to do with pensions i held and need for annuities and required income

How has Howard Bullock helped you?

After review of finances came up with a plan and recommendations meeting our needs for the future

Have you seen the outcome you were hoping for?

Feel we have established what we need for our pensions and funds that we can use

What could they have done better?

Nothing

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

Inherited a sum of money that I needed advice and knowledge to manage it.

How has Howard Bullock helped you?

He suggested several options of what could be done.

Have you seen the outcome you were hoping for?

Although they are long term investments, I a pleased so far.

Please provide a brief comment about your experience with Howard

Howard is very warm and personable, his vast wealth of financial expertise is the reason my family and I will be using him and his accomplished team going forward. Would highly recommend.

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

Howard has a deep understanding of both the individual investment world and the global macro economic worlds . This makes him fairly unique when advising on where and how to invest .

How has Howard Bullock helped you?

he has completely restructured my pension making it tailor made to my individual risk profile.

Have you seen the outcome you were hoping for?

absolutely !

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

My wife and I always look at things of high importance jointly and were extremely considered in ourn decision when it cam e to choosing a financial advisor. Howard came very highly recommended and has provem to be worthy of such high praise. We are both very pleased with his recommendations and how our investments have matured over the last 9years and because of this I would highly recommend his service and advice.

How has Howard Bullock helped you?

Howard suggested how best to place our assets in consideration of our individual risk taking profiles.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

In light of the financial upheavals over these last 9 years I would say that he could have not done any better.

Please provide a brief comment about your experience with Howard

Howard advised me on how to proceed with a sensitive situation that I was dealing with. He explained everything clearly and gave me some different options on how to move forward. I would highly recommend his services.

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

I needed to set up a pension plan for myself and my wife .

How has Howard Bullock helped you?

Took us through the procedures and explained everything very clearly . I felt at ease and understood the suggestions made

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can’t really think of anything as Howard is in my opinion an excellent professional . I could do with less paperwork but no this is not in his control.

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

I had advice from Howard several years ago to set up a private pension.

How has Howard Bullock helped you?

I contacted him last year as I was coming up to retirement and needed advice on pension annuities. He gave me several options which greatly helped me decide the best one for me. I am also expecting an inheritance which he will give me investment advice on. I feel confident that he will deal with my financial affairs to the best of his ability and give ongoing advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

As he made a very complicated process easy for me to understand, I don't feel he could have done more.

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

I used Howard on a friends recommendation to consolidate my various pensions.

How has Howard Bullock helped you?

He felt understood my needs and goals and fully explained my options.

Have you seen the outcome you were hoping for?

Although its still early days I am very happy with the outcome at this present time.

What could they have done better?

I feel that Howard could have done anything different to improve the service that he provided for me

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

Primarily to review my pensions portfolio and to advise on the best approach for the future bearing in mind the Lifetime Allowance criteria.

How has Howard Bullock helped you?

He helped me to assess the options available and then plan the steps to execution, including referring me to other professional advisors for specific elements.

Have you seen the outcome you were hoping for?

Yes, Howard and Clear were able to help me achieve the end results that I was looking for.

What could they have done better?

I have been very happy with the service and the levels of communication - its all been a good process, so I cannot really think of anything else that could have been better!

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

Several pension pots maturing and needing expert knowledge to obtain a single annuity.

How has Howard Bullock helped you?

Howard is a true professional. He and his team were always available to answer questions. Howard managed to obtain a higher quote for a monthly pension payment. We had vert little knowledge on pensions, but Howard made it very simple and completed the job without any dramas. We fully recommend Howard for a financial services.

Have you seen the outcome you were hoping for?

Yes, it has all resolved perfectly and in a very short time.

What could they have done better?

We do not think Howard could have done anything better. An exceptionally nice man who you can trust to show you all eventualities.

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

advised by accountant.

How has Howard Bullock helped you?

investment management, howard is a magician, i dont know what he does but its brilliant !.

Have you seen the outcome you were hoping for?

better than wildest expectation.

What could they have done better?

the best. keep doing what you do.

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

Approaching retirement and need to organise pensions and investments.

How has Howard Bullock helped you?

To organise pensions and investments into a manageable process.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Satisfied with service given.

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

I'd reached retirement age and needed advice on pensions and subsequent investments.

How has Howard Bullock helped you?

He he explained all avenues open to me simply and clearly and in a relaxed manner.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I felt very confident with his wealth of knowledge and his understanding of my particular requirements. Nothing comes to mind, that could have been done any better.

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

Needed financial advice on Workplace Pensions and long term investments.

How has Howard Bullock helped you?

Provided clear and sound financial advice and that is exactly what people in my position need!.

Have you seen the outcome you were hoping for?

Howard's many years of experience enable him to provide an impartial and trustworthy service.

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

I was coming up to retirement age and really needed some good advice regarding the pension minefield.

How has Howard Bullock helped you?

Howard has given excellent easy to understand advice. Shown me options I would not necessarily have thought about or even been aware of.

Have you seen the outcome you were hoping for?

We are certainly getting there.

What could they have done better?

So far I have been more than happy with the attention to detail and advice.