Gary Singh

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

Divorce and investing a shared pension

How has Gary Singh helped you?

Gary went through everything to do with my Pension, and worked with me to find the kind that was most advantageous to me. He was very clear and professional. Gary is a very kind, polite, genuine kind of guy who is always a pleasure to talk to. He keeps me updated every year.

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?

Coming up to retirement

How has Gary Singh helped you?

Yes, very much so

Have you seen the outcome you were hoping for?

Yes we have

What could they have done better?

Nothing, very satisfied with his service

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

When we were retiring we were confused about what we should do with our pension pots, it all seemed quite puzzling to us.

How has Gary Singh helped you?

We were recommended to contact Gary by a colleague of my husband. Gary visited us at home and explained simply what our options were. He explained in detail what we could expect from our pension pots. We were able to decide, with help from Gary, on the best option for us.

Have you seen the outcome you were hoping for?

We are happy so far with results. We get regular updates on how it is going.

What could they have done better?

We are happy with the service we have received.

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

To advise me on what to do with my pension

How has Gary Singh helped you?

He helped me to look where I can invest my savings

Have you seen the outcome you were hoping for?

Yes well done to Gary

What could they have done better?

Nothing

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

To advise me on what to do with my pension.

How has Gary Singh helped you?

He was very patient and helpful.

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?

My pension projection was not very encouraging so I was looking for a better option to incorporate my existing pension funds and some savings into a fund that would give better value.

How has Gary Singh helped you?

Gary advised me how to transfer the funds to an investment bond that would give me a regular income through the early years of my retirement.

Have you seen the outcome you were hoping for?

So far this has worked very well and paid monthly instalments without depleting the funds unduly

What could they have done better?

Very happy with the outcome. Just need a solution now for my wife's retirement!

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

I sold my house and needed advice on what to do with it

How has Gary Singh helped you?

As much as he could

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

I don’t think anything really

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

Help with my pensions.

How has Gary Singh helped you?

With Planning.

Have you seen the outcome you were hoping for?

Nearly.

What could they have done better?

A litter bit of speed in replying.

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

Advice regarding pensions

How has Gary Singh helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Happy with what has heen done so far

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

Needed specialist help in understanding private pensions and annuities/drawdown.

How has Gary Singh helped you?

First contacted Gary in 2016, was best thing I ever did, he has helped enormously and is still doing so.

Have you seen the outcome you were hoping for?

Yes, the outcome is better than expected.

What could they have done better?

In my opinion he could not have done better.

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

Planning for older age.

How has Gary Singh helped you?

Gary is doing a great job of earning me more money to my Pension pot each year.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

nothing at all.

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

For pension advice.

How has Gary Singh helped you?

Helped to sort pensions and gave advice on the best way to form my pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

In my opinion nothing.

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

Lump sum of money and where I could put it to get a better return

How has Gary Singh helped you?

Advised me on available funds to invest my money

Have you seen the outcome you were hoping for?

Have been reasonably happy.

What could they have done better?

Nothing really. Advice was good. the rest depends on the stock market.

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

I didn't now anything really about pensions but Gary sorted this for me

How has Gary Singh helped you?

By sorting out my pension not really

Have you seen the outcome you were hoping for?

Not really

What could they have done better?

Made more money for me

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

Looking after my pensions

How has Gary Singh helped you?

Gary is very professional and yet very down to Earth nothing but pride for this guy highly recommend him

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think so it always keeps me informed of everything that's going on very professional

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

I wanted to move my pension from one provider to another and withdraw funds

How has Gary Singh helped you?

Gary is the most wonderful person and his help was second to none. He made the whole thing so simply for me too under..Nothing was too much trouble for him he went above and beyond to help me and did everything in his power to make sure I was happy with everything he had done. Can’t recommend him enough don’t hesitate in choosing Gary too help you you won’t be disappointed.

Have you seen the outcome you were hoping for?

Yes Gary did everything I asked of him and more and the outcome was exactly what I wanted and asked him too do

What could they have done better?

Gary could not have done anything better from the start he was always on time always kept in touch with me keeping me updated in everything and did everything I asked of him . What as amazing person he knows how to look after him clients.

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

There is that much to sort out in a pension and doing it the best way for me was mind blowing

How has Gary Singh helped you?

Gary sorted it all out from start to finish I would have made so many mistakes in doing this myself it is costly but I can’t believe how he put it all into perspective and sorted it for me

Have you seen the outcome you were hoping for?

Yes more than I expected

What could they have done better?

Nothing it as all been done one step at a time to suit me

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

I had money invested in a pension scheme with a previous employer which I needed to access.

How has Gary Singh helped you?

Gary was very helpful in contacting my previous employer, obtaining a quotation from them for me to leave their pension scheme and arranging the investment of the monies released and a SIPP.

Have you seen the outcome you were hoping for?

Yes. I am receiving a monthly income from my investments. I also benefited from a tax free amount which enabled me to become mortgage free.

What could they have done better?

Nothing.

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

The reason I was looking for an adviser was to put some pensions together to pay my mortgage.

How has Gary Singh helped you?

How Gary was helpful was the fact that he made easy to understand what he was going to do.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing at all.

Please provide a brief comment about your experience with Gary

Gary is a very nice guy and he dose actually know what he's talking about.

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

I needed advice on what to do with my inheritance and pensions.

How has Gary Singh helped you?

Gary helped me invest my inheritance that now gives me an income and helped me with advice on my pensions.

Have you seen the outcome you were hoping for?

Yes I have seen the outcome expected.

What could they have done better?

N/A

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

Pension & investment

How has Gary Singh helped you?

To make me better financially when I retire

Have you seen the outcome you were hoping for?

In the past yes. But now market being low not so good

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

Advice about saving and jnvestmant

How has Gary Singh helped you?

20 years

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 confidence in understanding pensions needed professionals help

How has Gary Singh helped you?

Gary is very good at explaining pensions and investing a subject most people don't understand

Have you seen the outcome you were hoping for?

Yes we have had decent return bearing in mind the current world situation

What could they have done better?

In my mind a super service and I struggle to say we're improvement could get found

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

Not satisfied with other pension.

How has Gary Singh helped you?

Sorted out transfer.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not in my mind.

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

I retired when i was 65 and had a private pension and needed someone to manage my fund. I was recommended to Gary by my accountant who was in a similar position to myself and had been with Gary for sometime.

How has Gary Singh helped you?

Gary explained to me what i could do with my pension pot and how to get the best out of it. He explained a number of ideas with myself and left any decisions to myself and did not try to influence me in my decisions. Gary makes at least one visit a year to discuss where i am with my plan and to make any changes that i may wish. He is readily available should i wish to have a chat with him either in person or via the telephone.

Have you seen the outcome you were hoping for?

Yes i think that i have long term plan in place and have been been more than well looked after by Gary.

What could they have done better?

I think Gary has helped me enormously and i don't think anyone could have done any better.

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

Gary was referred to me by my son, I contacted him to get some advice on my pension funds. He was very professional and responsive and we had a number of meetings to ascertain what my goals were. He was extremely meticulous and professional, I would recommend his services as a trustworthy and honest person. He follows up every year to review the plan that has been put in place.

How has Gary Singh helped you?

As above

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing, all was done as I expected and his service was impeccable.

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

I am 73 years young and I am still working (it keeps me active and honestly I need the money) the State Pension Would not keep me going and my personal pensions, i has about four of them andmost was put into h Equitable Life (and we know how marvelous they were) Most personalpensions operate for tye benefit of the fund holders. Your pension is dependent on how much terminal bonus they choose to give or not give so there is no mesure or any useful measure of how your fund is doing whilstnyou invest with them crooked.

How has Gary Singh helped you?

he cut through the rubish (ie Pension companies don't tell you how they are doing only what your pension might provide by way of an annuity but this is tosh as i said you have no idea what the terminal bonus will be) Gary doesn't advise without reconpence yes he chargesa fee once you overcome your natural resentment for being charges for advice. I now have all my personal pensions (except for one) grouped into one draw down pension pot

Have you seen the outcome you were hoping for?

it is early days. but the declared return is certainly with in the range of te invetment groups peer range

What could they have done better?

nowt. i call or email and i get a resply straight away first rate response

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

Consolidation of existing pensions to get the best results from the funds

How has Gary Singh helped you?

Gary advised of the best way forward, allowing us to mitigate risk where we had concerns and providing us with portfolio that runs superbly

Have you seen the outcome you were hoping for?

Given the recent challenging times the finds have performed to expectation. Gary continues to monitor them and updates me when required

What could they have done better?

Truthfully, nothing. Gary has always and continues to provide a professional service with personal touches

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

Recommended from a family member and wanted to Place pensions in one place.

How has Gary Singh helped you?

N/a

Have you seen the outcome you were hoping for?

N/a

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

Retirement

How has Gary Singh helped you?

Pre-retirement and ongoing advice regarding financial security in later life.

Have you seen the outcome you were hoping for?

Yes, Gary has met my expected outcomes

What could they have done better?

I don't think Gary could do anything more in the current financial climate.

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

I had a lot of pension about need to consolidate or leave alone so seemed advise

How has Gary Singh helped you?

Consolidated all bits of pensions, always there when advice was needed,

Have you seen the outcome you were hoping for?

Yes very pleased

What could they have done better?

Nothing

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

Pensions tax free release

How has Gary Singh helped you?

Consolidated pensions, overseen tax free release and advise on future pension. His advice saved me considerably and has helped set me up for future.

Have you seen the outcome you were hoping for?

Yes, and some, his knowledge has helped me invest in a property for myself and partner, and leave a future investment in personal pension.

What could they have done better?

Nothing, everything was done excactly as planned and spoken to by me.

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

To merge my pensions, and draw down funds.

How has Gary Singh helped you?

He has explained in detail the benefits and risks of what I wanted to do.

Have you seen the outcome you were hoping for?

In part yes, but its still early days.

What could they have done better?

I cannot think of any point to raise at this time.

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

Having 2 final salary pensions and unsure as to how best look after them upon retirement. It was suggested that I employ the use of a financial advisor to help.

How has Gary Singh helped you?

Gary has ably demonstrated that my pension pot would be best served in investment, the whole process was managed seamlessly from start to finish.

Have you seen the outcome you were hoping for?

The successful transfer of the pension pots into investments was achieved, and seen positive outcomes of the transfer.

What could they have done better?

The process was slightly hindered due to the pandemic, it took longer than expected!

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

I was about to retire and wanted advice on pension income options

How has Gary Singh helped you?

The new pension freedoms had come into being. Gary spent a considerable amount of time explaining the options and which would suit my income expectations . He also explained simply how we could maximise potential income with our savings.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

I am extremely happy with the service Gary has provided. No gimmicks or pie in the sky promises. Overall income has been as expected over a number of years and I don’t think he could have done anything better.

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

Needed someone who was independent and had the time to sort out all my pensions

How has Gary Singh helped you?

He sorted out all me pensions

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 consolidation of several company pensions.

How has Gary Singh helped you?

Most helpful in explaining my retirement options. and helping me to set up a SIPP (embark pensions) - and

Have you seen the outcome you were hoping for?

Due to the current Market environment and COVID19 - I have not as yet seen the out come I am looking for.

What could they have done better?

I am still in the process of evaluating the process.

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

I needed someone to explain what options were available to me

How has Gary Singh helped you?

He explained, very clearly, what my options were, and what, in his opinion, were my best route given my circumstances. He consolidated my pension pots and placed them with a scheme which , so far , has performed admirably.

Have you seen the outcome you were hoping for?

I have

What could they have done better?

I doubt it

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

Had a lot of different pensions and didn't know what to do with them

How has Gary Singh helped you?

He amalgamated the pensions giving us a clear view of their value

Have you seen the outcome you were hoping for?

Yes, definitely. We feel much more secure for our future. Gary definitely helped us and explained everything in layman terms

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

My wife was suffering from I’ll health and needed to cut her hours worked and we want to use my pensions to help out our income.

How has Gary Singh helped you?

I was adamant to cash in both pensions but Gary explained that it was not in our favour to cash in the one as most of its income comes at the end of the policy.

Have you seen the outcome you were hoping for?

The outcome as been great for us.. our income is till the same and the wife reduced her hours, helping her out. She as now retired but the extra money and her pension means we are still in a very strong financial position.

What could they have done better?

I cannot think of anything that would improve the service we received. Everything was done without fuss and any problems and Gary is just a phone call away.

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

Needed to put my pensions together

How has Gary Singh helped you?

Moving pensions and taking a lump sum at 55

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing great service

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

Deferred pension scheme transferred to SIP

How has Gary Singh helped you?

Gary was very helpful and informative

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing better could have been done, I was very happy with the work Gary carried out for me

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

I had some savings to invest

How has Gary Singh helped you?

He helped me understand about investments discussed my future requirements and acted accordingly

Have you seen the outcome you were hoping for?

Yes he has increased my investments and I feel very comfortable in his hands

What could they have done better?

Only by making more profit but as I did not want to go high risk that is down to me.

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

Had been paying into a pension for years that was no performing

How has Gary Singh helped you?

Looked at my finances and pensions and advised how my pension could be managed better

Have you seen the outcome you were hoping for?

Yes my pension now is at a level were I can retire when I'm 67

What could they have done better?

Notthing

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

How has Gary Singh helped you since your last review?

During this difficult Covid time we were questioning if we should leave our investment or withdraw it and cut our, then, losses. However, with Gary's advise and reassurance we left it invested and were extremely glad we did as his advise was most accurate. We definitely rest easier knowing we are in safe hands.

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

I wanted to transfer a pension into a SIPP

How has Gary Singh helped you?

He explained how a SIPP works and arranged everything.

Have you seen the outcome you were hoping for?

Yes, the returns have exceeded my forecast.

What could they have done better?

Slightly more clarity on the charges would be useful.

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

How has Gary Singh helped you since your last review?

Ongoing, professional, efficient advice, as and when required

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

Need to sort out my various pensions prior to retirement.

How has Gary Singh helped you?

All my pensions put into one.

Have you seen the outcome you were hoping for?

Yes, so far good return on my pension investments.

What could they have done better?

Not that I can think of.

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

How has Gary Singh helped you since your last review?

Gary continues to give excellent advice on my pensions and investments. Always available to help and for guidance. We discuss my needs and requirements and he produces options and recommendations. I have during the last couple of years followed his advice and I am extremely satisfied with the outcomes.

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

How has Gary Singh helped you since your last review?

Gary has supplied both my wife and I with further investment of savings that are not currently required in the near future. The process was easy with Gary advising and supporting us throughout.

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

How has Gary Singh helped you since your last review?

Gary has continue be be of excellent service, always there at the end of the phone.

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

5 Years ago I was finishing work early, so need to look at my investments.

How has Gary Singh helped you?

He advised me on the best ways to use my money ,in order to get the best returns from my money.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

I do not think so.

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

How has Gary Singh helped you since your last review?

Has kept a good eye on investments for my pension.

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

How has Gary Singh helped you since your last review?

Gary has advised me on.my various pensions I have had over the years and amalgamated them into 1 plan ro get the most benefit.

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

Having a range of pension products, I wanted to consolidate and look to maximise their return for when I retire. Looking through the FCA website, I identified Gary and made contact. Following this initial introduction, I was happy to proceed more formally.

How has Gary Singh helped you?

Gary was able to 'translate' the pension plans that I had accumulated and discuss their merits or negatives. On that basis , Gary interpreted my targets and requirements and set out a plan of action.

Have you seen the outcome you were hoping for?

So far yes. One year in and resulting in an exceptional value growth, plus having a clearer idea of what the pension products mean, the plan is currently working well.

What could they have done better?

Gary works naturally at pace and is accurate. However, and sometimes for a financial novice like I am , that pace can be a little daunting.

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

Control and good advice for my pension

How has Gary Singh helped you?

Brilliant advice from the very start, Gary gave excellent advice. Correspondence and needs were very good and client care is second to none.

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

Nothing Gary’s help as always is much appreciated.

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

Taking early retirement

How has Gary Singh helped you?

Transferred & consolidated existing pensions and arranged regular income from the funds

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?

Looked for Pensions advice.

How has Gary Singh helped you?

Helped to combine Pensions into one pot and to access a lump sum.

Have you seen the outcome you were hoping for?

Outcome has been very pleasing considering the state of the World these past couple of years.

What could they have done better?

Nothing.

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

Divorce transfer

How has Gary Singh helped you?

Gary sorted out my pension transfer with ease, keeping me informed all the way and made my life easy. Gary was very professional, knowledgeable, genuine, helpful and really cared.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

My previous FA would not continue to advise me as my pension savings were not large enough.

How has Gary Singh helped you?

He advised me and helped me set up private pensions

Have you seen the outcome you were hoping for?

He has met with me regularly and helped to manage my private pensions

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

Getting close to retirement

How has Gary Singh helped you?

To make my money work for me

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything was spot on

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

Had to so I was able to transfer pension

How has Gary Singh helped you?

Made to process so easy

Have you seen the outcome you were hoping for?

Yes very happy with the out come

What could they have done better?

I don't think he could have done anything better

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

Early retirement and pensions advice

How has Gary Singh helped you?

Gary explained everything in very fine detail with a vast wealth of knowledge in the area i was looking into ,pensions,nothing was too much trouble and anything I was unsure of he was able to help me with

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing from my point of view

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

I was looking for advise & help in working out how to manage my pensions from a Varity of previous employers & found Gary was registered as a pension advisor.

How has Gary Singh helped you?

Over the years Gary has offered advise on my pensions & practical financial advise which has made sense, his approach is both professional & friendly, his work on ,my pensions has helped improve my pension provissions.

Have you seen the outcome you were hoping for?

Yes I have seen the growth of my managed pensions in line with his predictions & he has assisted me in decisions as my circumstances have changed over time

What could they have done better?

I have not had an reason to question the advice that I have had & am happy with the information provided, so have no complaints.

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

Professional help with my pensions

How has Gary Singh helped you?

Gary was very helpful sorting out my pensions.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Nothing, more than happy with the service Gary provided.

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

Retirement

How has Gary Singh helped you?

He was very informative, helpful and was always available if I had any questions

Have you seen the outcome you were hoping for?

It is early but everything is working as I hoped

What could they have done better?

Nothing everything has been handled very well

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

Looking for help with our capitol

How has Gary Singh helped you?

Very clear as to what was a safe investment and would give an income

Have you seen the outcome you were hoping for?

No, but the financial market at the moment is very unsteady.

What could they have done better?

Nothing given the circumstances

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

Peers were retiring and I wanted to know my options

How has Gary Singh helped you?

He was able to assess my many pensions, and amalgamate some.

Have you seen the outcome you were hoping for?

The financial market struggled during the Covid and Brexit chaos, but yes the funds have recovered and Gary's shrewd financial acumen has been responsible i am sure

What could they have done better?

Nothing that I am aware of

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

Needed to join existing pensions as I had too many left over from previous employments

How has Gary Singh helped you?

Moved all my pensions into one pot at Prudential

Have you seen the outcome you were hoping for?

Covid has devalued all pensions but not Gary's fault

What could they have done better?

Not sure

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

We had downsized our house and was prepearing for retierment

How has Gary Singh helped you?

Gary was very efficient and ensured we only took risks we were comfortable with and explained everything to us

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing he has kept in touch through lockdown and reassured us

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

Advice for our retirement

How has Gary Singh helped you?

Explained the best way to provide for our retirement with the finances we had got.

Have you seen the outcome you were hoping for?

Up to yet our finances are in place.

What could they have done better?

Gary has been spot on with the advice he has given to us.

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

Sort my pensions

How has Gary Singh helped you?

He sorted them

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing