Victoria Toan

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

Upcoming early retirement and pension assessment.

How has Victoria Toan helped you?

Victoria has been extremely helpful in explaining (in plain English, avoiding jargon where possible) & assessing my current situation, my options for the future and how various differing opportunities/paths would work for me in retirement. While I had some limited knowledge and plans, financial planning is something of a minefield for those not directly involved in the industry, Victoria has guided me to what I think is the best/most cost effective & beneficial option. I look forward to continuing to work together in the future.

Have you seen the outcome you were hoping for?

Yes, pleased so far. Looking forward to retiring soon.

What could they have done better?

Can't think of anything.

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

How has Victoria Toan helped you since your last review?

Victoria is very approachable and I have no qualms in discussing any future expenditure plans with her.

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

How has Victoria Toan helped you since your last review?

Vicky has been easy to talk to about the changing situation with my mother and her health needs, we have changed the investments risk profile and also added some income draw from her investments, all done with a careful discussion on the consequences of the changes in a friendly manor.

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

How has Victoria Toan helped you since your last review?

Victoria, is always so helpful

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

How has Victoria Toan helped you since your last review?

Victoria continues to offer valuable information

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

How has Victoria Toan helped you since your last review?

Victoria has helped me make informed decisions on how to manage my work pension and my other personal pensions. Victoria has also helped to advise on other financial matters regarding savings.

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

How has Victoria Toan helped you since your last review?

Ongoing pension advice

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

How has Victoria Toan helped you since your last review?

Continuous advise regarding our portfolio

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

How has Victoria Toan helped you since your last review?

Vicky has kept in touch and is always willing to discuss any topical issues.

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

How has Victoria Toan helped you since your last review?

Ongoing pension advice and reviews making changes to drawdown amounts as necessary

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

How has Victoria Toan helped you since your last review?

Annual reviews of pension performance and attitude to risk

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

How has Victoria Toan helped you since your last review?

Victoria has sorted out all my pension pots and they are now working well. It was very easy for me as she did all the hard work.

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

How has Victoria Toan helped you since your last review?

Victoria has helped me plan for the future, looking at both short and long term plans for retirement. She also gave me good advice for a family property investment.

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

How has Victoria Toan helped you since your last review?

Super helpful in updating our financial plans recognising where we are in terms of work, family and proximity to retirement

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

Renewal of Life insurance and future financial planning

How has Victoria Toan helped you?

Securing quotes for life insurance

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

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

How has Victoria Toan helped you since your last review?

Victoria is always available with great advice and support and has been supporting us during some insurance issues.

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

How has Victoria Toan helped you since your last review?

Victoria is very responsive to any queries that arise between reviews

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

i was looking to invest funds from the sale of my mothers property to best help get a return to supplement her care home costs

How has Victoria Toan helped you?

Vicky has been a great help with practical advice as well as professional planning.

Have you seen the outcome you were hoping for?

The investment has done as well as any in the class, however the markets have been down in the past year, but its held its own.

What could they have done better?

nothing, without the markets performing better!!(needs to be a mind reader!!)

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

In order save some inheritance tax

How has Victoria Toan helped you?

Really helpful

Have you seen the outcome you were hoping for?

Not yet because the markets have been difficult for some time

What could they have done better?

Made me invest in Gold

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

Retirement pension planning

How has Victoria Toan helped you?

She provided sound advice on the rearrangement of a number of occupational pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Victoria Toan helped you since your last review?

Vicky has discussed my investments in depth and given me some helpful insights.

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

How has Victoria Toan helped you since your last review?

She has given me advice on how to maximise my pension and savings

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

We initially required help with the transfer of our pension funds.

How has Victoria Toan helped you?

Victoria has helped us to review and seek alternative pension funds saving us money and finding a much more flexible solution. She has also given us some invaluable insight into our future financial requirements and how to achieve these goals. To have someone who you can trust to look at your financial planning and help you work towards your goals has taken a huge weight off our shoulders.

Have you seen the outcome you were hoping for?

We have received so much more than we expected or hoped for.

What could they have done better?

There is nothing that could have been done better. Victoria was both professional, personable and took the time to understand us as clients.

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

Looking at future financial planning

How has Victoria Toan helped you?

Victoria has patiently taken my wife & I through the process of capture the information necessary to give us a full suite of advice for our retirement planning, which has led to advice regarding Life Insurance in the first instance.

Have you seen the outcome you were hoping for?

A life insurance application is in process.

What could they have done better?

Nothing, everything has gone as she said it would.

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

Multiple needs - downsizing home, life insurance, retirement planning, pensions.

How has Victoria Toan helped you?

Yes she has given us the advice we needed in a way that we can understand, and answered all our questions thoroughly. She always follows up, but also gives you time to consider her advice and all the options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Victoria

I would highly recommend Victoria. She has provided me with support and advice regarding my pension and financial position following my divorce.

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

I wanted to move my investments from the bank

How has Victoria Toan helped you?

Suggested suitable funds and kept in touch regularly

Have you seen the outcome you were hoping for?

Yes

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

How has Victoria Toan helped you since your last review?

We have undertaken a detailed review of our Inheritance Tax position.

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

My Mother needed to go into a Care home, Victoria helped with the money released on the sale of her property to invest it to pay for her care and grow the funds to enable then to last longer than leaving the money in the bank.

How has Victoria Toan helped you?

Victoria, gave good friendly straight forward advise with options which enabled me to choose the risk of the investment, the information provided was well laid out and easy to follow with help in the way of answers to my questions, she has good knowledge of the market and different solutions suitable for different clients.

Have you seen the outcome you were hoping for?

Not yet as we have only just started on this journey.

What could they have done better?

I was very happy with all Victoria did, i cant think of anything she could have done better, she was very responsive to my needs as a customer.

Please provide a brief comment about your experience with Victoria

My experience with Victoria was excellent and I would have no hesitation recommending her financial services. To give a bit more detail, I wanted to have a financial review post divorce and we discussed my current situation, financial profile and goals for the future. Victoria gave clear explanations of my options and the pros and cons of each. I felt that she took the time to fully understand me, my attitude to risk and other factors that could impact my finances. I will 100% use Victoria's services again in the future.

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

How has Victoria Toan helped you since your last review?

As above

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

How has Victoria Toan helped you since your last review?

Keeping us informed of the state of our investments and giving advice on the future.

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

How has Victoria Toan helped you since your last review?

We have had a number of discussions on investments and these have all been helpful.

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

I needed some advice following retirement

How has Victoria Toan helped you?

Victoria gave clear uncluttered advice and guidance regarding future investments

Have you seen the outcome you were hoping for?

Yes. Exactly as I had hoped

What could they have done better?

Nothing. Excellent service

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

We sold a business, the income from which changed our requirements for our financial future.

How has Victoria Toan helped you?

Victoria acted as our intermediary with a specialist pension transfer company & subsequently invested these funds with inheritance planning a priority. We had very little experience in these matters & were at times tardy in our approach but Victoria was extremely patient - no matter too small or question too silly. She is extremely professional but at the same time approachable and personable.

Have you seen the outcome you were hoping for?

We are very satisfied with the advice and outcomes.

Please provide a brief comment about your experience with Victoria

Good exploratory call and seriously considering using Victoria for pension guidance

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

How has Victoria Toan helped you since your last review?

Vicky has helped me re-assess returns on my investments in the light of my risk profile and to make some changes

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

How has Victoria Toan helped you since your last review?

I am very satisfied with the performance of every investment that Victoria has recommended to me. She takes a great interest in my personal circumstances and I am very happy with the service she provides.

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

How has Victoria Toan helped you since your last review?

Victoria has maintained a watch on our finances and continues to help us make decisions concerning inheritance tax planning by researching a range of solutions for us.

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

Funds to invest after sale of business.

How has Victoria Toan helped you?

Provided solid investment, pensions and tax advise, in addition to introducing us to excellent investment managers and supporting with ongoing financial planning.

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?

Required financial advise for options to invest lump sum of money.

How has Victoria Toan helped you?

Victoria listened to our circumstance and reviewed our risk profile, then put forward suggestion to invest our money.

Have you seen the outcome you were hoping for?

It is too early to know if the investment will prove to be favourable but we were very satisfied with the service received.

What could they have done better?

Happy with service received so no comment here.

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

At the age of 55 and with several pension pots I needed to evaluate them and decide the best way to plan for my retirement. I also wanted someone who would be able to keep an eye on my investment and review it at least annually to ensure it is still appropriate.

How has Victoria Toan helped you?

Victoria has great knowledge in the pensions area and gave very practical helpful advice on what I should do to get the best out of my pension pots in the future.

Have you seen the outcome you were hoping for?

Yes my pension pot is already doing well. Victoria even chased up the SIPP wrapper adviser when they were not quick enough to invest my funds resulting in extra funds being added to my account.

What could they have done better?

I was, and, am very happy with the service provided by Victoria.

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

How has Victoria Toan helped you since your last review?

Victoria has been in constant contact through out this troubling time with reassurance and helpful advice. Always with a cheerful and caring manner. I could not ask for a better and more professional financial advisor.

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

How has Victoria Toan helped you since your last review?

Victoria has continued to monitor our situation with regard to investments and pensions.

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

How has Victoria Toan helped you since your last review?

Victoria has continued to offer ongoing advice and organise reviews and is always available within covid constraints to meet (mainly online) and discuss issues - I continue to remain very happy with Victoria's professionalism and the quality of her advice

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

How has Victoria Toan helped you since your last review?

Further investments following a property sale. Suggestions, support and great timely advice. We greatly value Victoria's guidance.

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

How has Victoria Toan helped you since your last review?

We are in regular contact and Victoria is very helpful.

Please provide a brief comment about your experience with Victoria

First meeting with Victoria. She was pleasant and showed competence in knowledge of her area and our requirements

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

I had some money that I wanted to invest.

How has Victoria Toan helped you?

She helped me understand how I could invest a sum of money, explaining risks and rewards. She found the best deal within the market place and it felt like she tailored the advice to me personally.

Have you seen the outcome you were hoping for?

I have only just started the process of investing the money and this is why I could only rated her 4 stars so far. It certainly feels like the investment she has recommend will perform well in the future.

What could they have done better?

The only issue I have had is that the protal that I logged into for my original invesment wasn't quite the right; I am unsure whether this was me or her. However she sorted this out very quickly (the next day) and now I can see what is going on with my investment.

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

Looking to consolidate pension pot away from previous employer scheme and add additional funds in a lower risk investment

How has Victoria Toan helped you?

Proposed different providers and arranged transfers

Have you seen the outcome you were hoping for?

Yes now all consolidated in a suitable scheme

Please provide a brief comment about your experience with Victoria

Victoria had a genuine interest in me, my family and my circumstances. She came across as very knowledgeable and wanting to do the very best for me.

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

How has Victoria Toan helped you since your last review?

Victoria has recently provided me with advice about my company pension scheme and also my existing equity ISA. Victoria provided me with a welcome level of detail, as well as clear explanations for her suggestions. I feel reassured to have somebody like Victoria to contact whenever I have financial queries

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

I had bult up several pensions during my career so far. I had no real understanding of the costs or penalties of the pension or how they were performing. I wanted to simplify my pensions hopefully reduce my costs and increase the performance of my pension..

How has Victoria Toan helped you?

Victoria helped me by reviewing all my current pensions. She looked at the various aspects of each of the pensions explained each of the issues and the performance of them. She then carried out a assesment of how risk orientated I was and based on this produced a comprehensive report with detailed recommendations. Victoria presented this in a highly professional manner allowing me to ask questions and clearly explaining any point I was unsure on in a manner that I understood. I have taken Victoria's advice and consolodated my pensions in to a new pension which Victoria has undertaken for me.

Have you seen the outcome you were hoping for?

Victoria has managed to acheive everything I was hoping for and more. I now have a clearer idea what I would like to achive and also how I will be able to achive this. It was a pleasure to work with Victoria I could not have asked for a better person to help me and work with.

What could they have done better?

I have to say I can not think of anything. I was completely happy with the service provided.

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

How has Victoria Toan helped you since your last review?

Victoria has helped us work out retirement income which reassured us before making the move to actually retire. She continues to give great advice on pensions, investments etc.

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

How has Victoria Toan helped you since your last review?

By consolidating my pensions and savings and showing me a way forward to retirement.

Please provide a brief comment about your experience with Victoria

We needed some general advice on pensions, and planning ahead for retirement, and didn't know which direction to take and what we would then need to do to get there. Victoria chatted to us in a relaxed and friendly way and somehow managed to distil all the information we gave her into a way forward that we completely understood and were very happy with. She listened carefully to what we thought we wanted to achieve, making relevant and really useful suggestions. Her forecasts and plans showing our options were presented clearly and were easily understood and it was exactly what we needed to feel more confident about our financial future. We found Victoria very easy to chat to and brainstorm ideas with and will be seeing her again as we move forward with our plans. I'd have no hesitation in recommending her to friends and family.

Please provide a brief comment about your experience with Victoria

Victoria gave me all the information i required in a very professional and friendly manner .I would advise anyone to use her services.

Please provide a brief comment about your experience with Victoria

Victoria has been very helpful and thorough in working our existing financial arrangements and has tailored her advice to our needs.

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

I needed help managing my investments.

How has Victoria Toan helped you?

Victoria helped me understand the key issues, was patient and introduced me to a specialist.

Have you seen the outcome you were hoping for?

It hasn’t come to fruition yet but is due to me not Victoria.

What could they have done better?

There is nothing more that my adviser could have done.

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

How has Victoria Toan helped you since your last review?

Victoria assessed my situation and recommended options for both moving my SIPP and my personal savings investments Having successfully completed the initial changes she has organised reviews with the fund and has advised me as to a drawdown plan given anticipated investment recovery and actuarial considerations overall Victoria inspires confidence and conveys a genuine desire to do the very best for her clients

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

My parents gifted me some money and Victoria has been very helpful making sure the family investment is looked after.

How has Victoria Toan helped you?

She has made sure that she understood my investment and has visited me to discuss the investment.

Have you seen the outcome you were hoping for?

The investment has not been with Victoria long enough to see a return. But I believe that she has my best interests at heart and that she will follow through on what has been agreed, unlike before.

What could they have done better?

Victoria has made the moving of my investment incredibly easy, she has come to my house, she has even visited on a Saturday to suit me and this goes a long way in helping, as I work full time in Salisbury. So I struggle to fit in appointments in working hours.

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

We were dissatisfied with service we were receiving from our current financial adviser and their choice of investments.

How has Victoria Toan helped you?

Victoria introduced us to an investment house, where there was a more dynamic approach, and we seemed to matter.

Have you seen the outcome you were hoping for?

Too early to say.

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

I wanted to move a lump sum from a business into a pension and needed some technical advice.

How has Victoria Toan helped you?

Victoria helped me with the above request but also reviewed all of my pensions and provided advice about consolidation and ongoing investment.

Have you seen the outcome you were hoping for?

Absolutely - and more!

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

I needed to move monies away from low interest cash type investments into a stock market based but relatively stable invested situation to increase average recovery I had previously invested with Victoria and therefore trusted her capabilities Also I need to move my invested pension from a self managed environment to a managed fund

How has Victoria Toan helped you?

Victoria provided to expertise to suggest suitable providers and to actually effect the change

Have you seen the outcome you were hoping for?

Too early to say

What could they have done better?

I have been satisfied with Victoria's input to all aspects of the change

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

My husband is thinking of retiring soon. We have various pensions between us and some savings/properties. We wanted advice on how to manage everything.

How has Victoria Toan helped you?

We had various, quite lengthy, meetings with Victoria and discussed our personal circumstances, finances, etc. She was able to advise us on specifically what we needed to do regarding our pensions and savings/investments.

Have you seen the outcome you were hoping for?

Yes .... so far. We only had our first meeting with Victoria relatively recently, but already we have made changes based on her advice, and have already seen some benefits.

What could they have done better?

I really don't think Victoria could have done anything better. She really took the time to get to know us and to look at our situation in great depth. She is very easy to talk to and a really nice person too!

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

I am over 50 and wanted to understand what my options regarding my pension and advice on my investments.

How has Victoria Toan helped you?

Victoria looked into my portfolio and pointed out that it was a good time to review and helped me transfer my pension to a new provider.

Have you seen the outcome you were hoping for?

This new provider offered improvements to my current pension and greater flexibility not to mention lower charges. Victoria explained my options in detail but also in a clear manner that I could understand without unnecessary technical jargon.

What could they have done better?

I looked at other providers and spoke to other advisors which made me quite sceptical, but have to admit that I was so impressed with Victoria's up to date knowledge, her calm and courteous demeanour helped me immensely in understanding a complicated subject.

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

Consolidation of pensions and forward planning.

How has Victoria Toan helped you?

Victoria carried out a personal investment risk assessment for my pension. From there she collated all the information from my disparate pensions and found an alternative fund with higher returns and lower fees.

Have you seen the outcome you were hoping for?

I was very pleased to consolidate my various pensions into one pot, to speak. This would make it a lot easier to manage and obtain information in the future.

What could they have done better?

Victoria was very clear and efficient, I don’t have any complaints!

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

On going review of finances

How has Victoria Toan helped you?

Provided insight into available products and historic performance of various potential investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of

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

Recent inheritance meant I was looking to invest my money.

How has Victoria Toan helped you?

Victoria took time to understand my circumstances and discuss what was important to me. She really listened and helped me prioritise what was important, as well as consider options I wouldn’t otherwise be aware of. She put an investment strategy in place for me and keeps me informed through communications and ensures I understand what my money is doing.

Have you seen the outcome you were hoping for?

I feel happy that my money is invested in something other than a low interest savings account and I know how my money will be invested over the next few years. Victoria provided me with the information and help I needed and exceeded my expectations.

What could they have done better?

I honestly couldn’t fault the service Victoria provided and would use her again should I have a need. She is professional and clearly experienced, but also has the empathy and compassion needed when helping people achieve what’s most important. Thank you Victoria for an exemplary service.

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

Seeking a change from a large corporate investment

How has Victoria Toan helped you?

Offered an attractive alternative with a good track record

Have you seen the outcome you were hoping for?

It is very early days as yet and a very volatile time in the markets. I am in it for the long term

What could they have done better?

Nothing comes to mind at present

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

Needed help looking at retirement planning and pension consolidation.

How has Victoria Toan helped you?

We trusted Victoria. She took the time to understand our requirements and our propensity to risk.

Have you seen the outcome you were hoping for?

Its really too early to say, but her advice has allowed us to optimise our ISA allowances and bring our pensions into a manageable quality fund that we feel comfortable with.

What could they have done better?

None really. Victoria gave us a set of options and clearly outlined the costs and benefits of each. We took her advice because she took the time to understood what outcomes we were looking for..

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

I already knew Vicky and had valued her advice in the past. I thought that having an IFA with an in-depth understanding of our circumstances could be useful. I was also somewhat dissatisfied with our current arrangements and felt that I might be able to obtain a better return on our investments.

How has Victoria Toan helped you?

Vicky took her time to get to know our circumstances in some depth and to set out various options. I felt that she was genuinely concerned for us and wanted to give us the best possible service. I was impressed by her values and those of Vision IFP - there was no "hard sell".

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't think of anything.