Sam Thorne

Please provide a brief comment about your experience with Sam

At this stage only spoken on the phone but seems very knowledgeable.

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

Transfer pension funds

How has Sam Thorne helped you?

To find the right product & ease of transfer of pension funds. Continuing guidance with financial assets & support with finance growth. Transparency of performance of invested funds online -

Have you seen the outcome you were hoping for?

Yes - funds are all going in the right direction

What could they have done better?

Nothing

Please provide a brief comment about your experience with Sam

Sam is a brilliant, personable financial advisor. I came away from our conversation with actionable advice and a sense of renewed confidence in my ability to manage dealings with tax as well as my broader financial landscape. I would highly recommend Sam to anyone looking for either personal or professional financial advice.

Please provide a brief comment about your experience with Sam

Sam was professional, personable and extremely knowledgable. He asked questions to help guide me towards making a decision about my pension and helped me to understand my current financial position. Thanks Sam.

Please provide a brief comment about your experience with Sam

We have had financial advice from Sam regarding our investments. We found his friendly manner and interest in our situation at present to be just what we needed. My husband and I are in our eighties and would not require long term products. We decided to follow his advice to the letter, which we did that very morning. Our solicitor recommended Sam Thorne to us. Thanks Sam, one less problem in this fast moving journey of ours.

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

To invest in a potentially better return pension scheme.

How has Sam Thorne helped you?

Sam has been absolutely amazing! He has sorted everything out despite coming across a lot of hurdles on the way.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing as far as I’m concerned. It has been a pleasure to deal with Sam.

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

Having reached the age of 55, I wanted to take the steps to sort out my pensions ready for my retirement. Sam was recommended to me by a work colleague.

How has Sam Thorne helped you?

Sam was very helpful in locating all the information that was needed to sort through and place all my pensions together into one tidy pension that was easier to manage and understand.

Have you seen the outcome you were hoping for?

I believe I have, only time will tell.

What could they have done better?

Sam was very thorough in his work and explained everything to me in detail.

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

Reached Retirement age

How has Sam Thorne helped you?

With advice regarding options for reinvesting my pension.

Have you seen the outcome you were hoping for?

Pension successfully transferred over to a SIPP

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

We had a lump sum following bereavement and were looking for a good investment portfolio

How has Sam Thorne helped you?

Sam has set an account for us with Rathbones

Have you seen the outcome you were hoping for?

Yes, but global circumstances have not given us the growth we hoped for.

What could they have done better?

I think Sam has done his good protesssional best.

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

Knew Sam from his time with HSBC and always found his advice good

How has Sam Thorne helped you?

Sam has helped me to sort investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing Sam has always been professional Polite , most kind with help in all areas we have had dealings with. Nothing is ever too much trouble.

Please provide a brief comment about your experience with Sam

Sam is a genuine business man with a fantastic professional attitude. Sam is very honest and most of all informative and has helped us with our lack of understanding of our pensions and the way forward. I would 100% recommend Northseam

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

Directors of a growing fabrication company where we felt a more specialised pension

How has Sam Thorne helped you?

He has run through our current circumstances and the best solutions and pensions available to us.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

To open a pension fund in preparation for my retirement.

How has Sam Thorne helped you?

i engaged Sam Thornes services after a recomadation from a friend to open and set up the best pension option for me

Have you seen the outcome you were hoping for?

yes, without doubt

What could they have done better?

nothing

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

I needed to review my pension

How has Sam Thorne helped you?

Sam was excellent, he provided me with clear and concise information and made what appeared to me to be a very complex set up, easy to understand.

Have you seen the outcome you were hoping for?

Sam’s advice and guidance has given me something that money cannot buy - peace of mind that I will have be financially comfortable in retirement. Would 100% recommend Sam.

What could they have done better?

Excellent service, there is nothing that could have been done better!

Please provide a brief comment about your experience with Sam

Sam was extremely helpful and provide clear concise guidance for the particular issue I was addressing. Additionally he followed up our conversation with further guidance if I was to have further questions

Please provide a brief comment about your experience with Sam

I am a fairly experienced investor wanting help in a particular area involving inheritance tax. Sam was pleasant, prompt and knowledgeable. I would recommend him.

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

The need to sort out various pension schemes and seek advice

How has Sam Thorne helped you?

Massively. Great advice and advised things to do which were not in place.

Have you seen the outcome you were hoping for?

N/A

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

Money to invest

How has Sam Thorne helped you?

With financial advice, giving me options

Have you seen the outcome you were hoping for?

Yes. I am happy with the service teceived

What could they have done better?

Nothing I can think of

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

Came across a large sum of money but had no idea what to do with it

How has Sam Thorne helped you?

Explained markets and investment strategies

Have you seen the outcome you were hoping for?

N/A yet

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

I needed financial advice.

How has Sam Thorne helped you?

Sam gave me great financial 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?

We wanted to ensure that our investments and savings were in the right 'place' to ensure we would receive the best return

How has Sam Thorne helped you?

Offered friends advice that was simple to understand and straightforward to action

Have you seen the outcome you were hoping for?

Yes currently they are performing as well as could be expected

What could they have done better?

No improvements required we were happy with the advice we have received

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

I had sold a buy to let property and wanted to discuss redistribution of funds.

How has Sam Thorne helped you?

Provided non biased advice on the best way to make my money work for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Very professional and quick to respond to any query or questions I had.

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

My partner and I were in the process of buying our first home and wanted life insurance cover.

How has Sam Thorne helped you?

We looked through a variety of different cover and found one that suited our needs and budget.

Have you seen the outcome you were hoping for?

We’ve got the cover we wanted and needed.

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

Looking to invest inheritance

How has Sam Thorne helped you?

He’s given very good advice to invest accordingly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Sam’s very knowledgeable

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

My Nan passed away and left an inheritance and I needed advice what to do with the money and advice on inheritance tax and planning.

How has Sam Thorne helped you?

Sam gave me professional, whole of market advice, which included he many options, tailored to my situation and needs. Having no previous knowledge of investing, he was fantastic at explaining everything and nothing was too much to ask.

Have you seen the outcome you were hoping for?

Yes absolutely, Sam has been great to work with and has put my worries completely at ease, he has supported me at every stage of the process.

What could they have done better?

Nothing really! The whole process has been faultess.

Please provide a brief comment about your experience with Sam

very comprehensive discussion, with a lot of good ideas being discussed.

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

Sought advice on to manage a small pension pot I had accrued over the years and Sam had been recommended.

How has Sam Thorne helped you?

Sam talked me through all my options, explaining each in detail until I had decided my level of investment along with placement

Have you seen the outcome you were hoping for?

I feel very comfortable that Sam has placed my pension with a reputable provider and my investment target will be achieved.

What could they have done better?

Nothing to improve on

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

For the investment of funds.

How has Sam Thorne helped you?

By giving advice on my personal risks and types of investment trusts.

Have you seen the outcome you were hoping for?

Not yet, very recent investment.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Sam

Very knowledgeable, in command of the full subject matter and the effects that the global environment has over finances. Realistic, uncomplicated, on the level and willing to share knowledge readily and without mystifying jargon. We are considering whether or not to engage professional financial advice and felt highly reassured of Sam's status as an expert in the field and his sincere intentions to achieve customer satisfaction.

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

I became 60 and needed guidance/advise with my pensions

How has Sam Thorne helped you?

He advised, helped on pensions and investments.

Have you seen the outcome you were hoping for?

I have just started with investment.

What could they have done better?

Nothing at this stage

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

We had a sum of money we wanted to invest to provide growth and further income in our retirement

How has Sam Thorne helped you?

He discussed the best ways to achieve what we wanted and how; he also knew we were very keen to invest ethically for which he recommended several products for us to consider. He talked to us at length about various aspects of retirement income, touched on inheritance planning and all round gave us what seems like good sound advice.

Have you seen the outcome you were hoping for?

As we have only just completed the investment about 6 weeks ago it is to early to comment on this.

What could they have done better?

We think he did everything very well.

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

My previous adviser left his company and the company weren't delivering a good returns on the portfolio.

How has Sam Thorne helped you?

Sam has transferred all investments and kept in contact with the progress and gave very clear and concise information.

Have you seen the outcome you were hoping for?

Investments are now only starting to work, still early days at present, a 6month and yearly review will hopefully show a wise move to what Sam has advised.

What could they have done better?

Nothing more

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

Due to retire soon.

How has Sam Thorne helped you?

Advice on how to make drawn down pension monies grow for the future.

Have you seen the outcome you were hoping for?

Early days but looking good.

What could they have done better?

Nothing.

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

Outdated pension scheme

How has Sam Thorne helped you?

Moved pension to a more modern one with more options for when I retire.

Have you seen the outcome you were hoping for?

Yes, pension is in a better place and working for me.

What could they have done better?

Nothing more than happy

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

To support us in ensuring the right insurance and protections were in place for buying our first home.

How has Sam Thorne helped you?

Helped with life insurance and critical illness cover. Sam was very professional and talked through what everything meant so we knew exactly what we were signing up for with the different companies.

Have you seen the outcome you were hoping for?

Yes

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

Unable to get any interest of worth from Banks or Building societies. Also premium bond average payout has significantly dropped. So I have contacted a small number of Financial Advisers of which Sam was one.

How has Sam Thorne helped you?

How explained at far more understandable level than the others I saw. He was very open about the fees, and I felt he gave a far better explanation of the ups and downs of the market.

Have you seen the outcome you were hoping for?

It is far too early to tell, but I am beginning to realise (As Sam told me) that there will be ups and down, but I am looking for a decent investment return over 4 to 5 years.

What could they have done better?

I would have to say nothing. He has explained it all to me, hopefully there will be no surprises.

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

Moving into our first property

How has Sam Thorne helped you?

Offered advice and organised life insurance and critical illness cover

Have you seen the outcome you were hoping for?

Yes

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

Dissatisfied with the service from our high street bank

How has Sam Thorne helped you?

Listened carefully to our personal circumstances and future requirements and provided proposals that fitted our requirements

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing it was a first class service, keeping us informed step by step.

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

Inheritance money

How has Sam Thorne helped you?

I wanted long term investment Sam gave me advice.

Have you seen the outcome you were hoping for?

Not yet only invested a month a go .

What could they have done better?

Can’t think of anything because we know he’s there for advice.

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

Nearing retirement, I needed advice on how best to manage the various pensions and pots that I had collected over my working career.

How has Sam Thorne helped you?

He reviewed all the pensions content, and then set out clearly the various options that were open to me. He supported me through the decision making progress and helped me implement the decision I made in terms of best way forward.

Have you seen the outcome you were hoping for?

Very much so, the fund that was set up is doing so much better than where my investments were before. As ever, I now wish I had acted earlier.

What could they have done better?

Nothing really, he delivered the service I needed.

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

Pension planning and large cash windfall

How has Sam Thorne helped you?

Sam provides expert advice in a patient and practical way.

Have you seen the outcome you were hoping for?

So far, yes.

What could they have done better?

N/a

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

I had a Serps policy that needed to be re-invested and wanted to explore all possible avenues of investment.

How has Sam Thorne helped you?

Sam did a complete finnancial review of my finnance and spent a great deal of time exploring what my aspirations/dreams/requirements I had. Sam then put forward three different options for me to consider, stating both the positive points and potential downsides. I opted for Sam advice and took a mid risk investment.

Have you seen the outcome you were hoping for?

It is to early to say at this point whether the investments will pay off. But i know Sam will keep me fully a breast of there performance, as he has done for other family members of mine.

What could they have done better?

Nothing.

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

Inheritance

How has Sam Thorne helped you?

Advising on investments

Have you seen the outcome you were hoping for?

Only just started investment

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

Our pensions were not earning as much as they could and our savings were not earning any interest.

How has Sam Thorne helped you?

Sam showed us different options on how to make our money grow.

Have you seen the outcome you were hoping for?

In the short space of time we have been invested, we have already seen growth.

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

Retirement and wealth planning

How has Sam Thorne helped you?

Sam gave guidance in all aspects of wealth management. He introduced us to the right investment houses.

Have you seen the outcome you were hoping for?

So far so good.

Please provide a brief comment about your experience with Sam

Sam seems very knowledgeable and is open about the realities of investment/financial options. I've let my retirement options and investments 'drift'. It feels good to have someone bring some consolidation and structure to optimise the benefits.

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

Mortgage, Pension and future advice and guidance for financial planning

How has Sam Thorne helped you?

Sam helped myself and my partner with a mortgage, pensions and future financial care

Have you seen the outcome you were hoping for?

Without doubt!

What could they have done better?

Nothing

Please provide a brief comment about your experience with Sam

Very helpful and made things very easy to understand , would definitely recommend.

Please provide a brief comment about your experience with Sam

A professional, knowledgeable financial adviser who really responds to your individual situation. Helped greatly with explaining existing pension plans and future planning for us in our 50's.

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

Coming up to retirement and need advice on several pensions from previous and current suppliers.

How has Sam Thorne helped you?

Sam helped to sort the paperwork which had accumulated over the years into a manageable and easy to understand format and also went though the best ways to manage the various pensions. Answered all my questions and also brought up several important things that I would have missed without his help.

Have you seen the outcome you were hoping for?

Definitely and am currently able to get things moving.

What could they have done better?

From my personal point of view and circumstances Sam offered an excellent service and I will have no hesitation in consulting him again.

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

unhappy with low interest rates elsewhere

How has Sam Thorne helped you?

He listened to what i had to say and advised as to what he felt suited my needs

Have you seen the outcome you were hoping for?

so far yes

What could they have done better?

Difficult to say as i'm inexperienced in this field . Which is why ive got a financial adviser. Difficult circumstances at present with covid but things appear to be going well and Sam is always available and gets back to me promptly if i have any issues.

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

I had some very odd and outdated pension plans which needed reviewing.

How has Sam Thorne helped you?

Sam, diligently went through my plans and advised me on my opinions. Efficient, professional and very knowledgable.

Have you seen the outcome you were hoping for?

Sam seemed to go above and beyond and I trusted him completely to resolve and advise which way to go.

What could they have done better?

Nothing!

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

Inheritance

How has Sam Thorne helped you?

Advised on investment options that fitted our requirements and discussed potential market changes.

Have you seen the outcome you were hoping for?

Considering the difficult situation regarding covid 19 and the effect on investments, it is performing very well.

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

Needed advice on several pensions I have from current and previous employment.

How has Sam Thorne helped you?

Helped me to sort the paperwork accumulated over the years into easy to understand and manageable items. Also went through best way to manage the various pensions.

Have you seen the outcome you were hoping for?

Yes, definitely - Answered all my questions and also brought up and helped with several things that I would have missed without his help.

What could they have done better?

From my point of view on what I was helped with he has offered an excellent service. Will have no hesitation on using Sam again.

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

Retirement lump sum.

How has Sam Thorne helped you?

Advice on how to invest.

Have you seen the outcome you were hoping for?

Not yet due to Covid 19.

Please provide a brief comment about your experience with Sam

No problems.

Please provide a brief comment about your experience with Sam

I was very pleased with Sams advice,he was very professional and explained everything very clearly and I came away from the appointment armed with the advice and confidence I needed to enable me to make my financial decisions. I cannot recommend him highly enough and have no hesitation in recommending his services and will definately be using his services on the future.

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

We had our savings invested in ISA's, currently not earning any interest, therefore decided to get advice on investing it to potentially get a much better return.

How has Sam Thorne helped you?

Sam was thorough in explaining our options, which investments were best for us, what level of risk etc, made everything easy for the uninitiated to understand.

Have you seen the outcome you were hoping for?

Our investment is based upon a long term strategy, unfortunately the Coronavirus has hit since, knocking things slightly of course, but it is still early days. We have received updates on how the Coronavirus has impacted the markets and our investment and that a close eye is being kept on the situation.

What could they have done better?

I don't think there is anything that Sam could of done better.

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

Looking to amalgamate pensions into income release pension.

How has Sam Thorne helped you?

Provided sound advice based on personal circumstances. Instigated transfer of pensions .

Have you seen the outcome you were hoping for?

Yes very satisfactory outcome.

What could they have done better?

Nothing springs to mind.

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

I run my own business and needed some insurance for myself in case I am unable to work for any reason

How has Sam Thorne helped you?

Sam was very thorough, assessing my needs and the level of cover I needed. He showed me the benefits of different options allowing me to make an informed decision

Have you seen the outcome you were hoping for?

Yes

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

Looking for advice re long term investments

How has Sam Thorne helped you?

Talked through the options and objectively talked about risk and returns -helping us understand the options .Was pleased that there was no hard sale or push to one particular option. The advice we got felt truly independent.

Have you seen the outcome you were hoping for?

Yes - we have a solution that suits are current position with options to adjust as our circumstances change .Formal periodic reviews and updates are useful in this respect and we know we can make contact and ask questions in between these times if we wish.Investment requires a long term mindset and having an adviser with deep knowledge you can trust is essential essential- we certainly feel we tick those boxes with Sam.

What could they have done better?

None

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

We had spare cash in the business, no current pension and were starting to plan for retirement. We needed advice on what to do with our existing pensions, how to set up a pension and help planning for retirement.

How has Sam Thorne helped you?

Sam really helped by bring new ideas of the options available to us, gave us the information we needed to take decisions, and then efficiently implemented them.

Have you seen the outcome you were hoping for?

Yes - we now have a plan :-)

What could they have done better?

Honestly nothing

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

Had funds from property sale

How has Sam Thorne helped you?

talked through options for investment that differed from current family investments

Have you seen the outcome you were hoping for?

Not long enough to judge performance under a range of markets but so far good.

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

I realized that my husbands pension was not going to be enough at retirement as he is self employed and only paid a small monthly amount. Also I noticed that our life insurance only covered the remaining 4 year balance of our mortgage.

How has Sam Thorne helped you?

Sam explained everything regarding my husbands pension and our life insurance cover. He advised that that we should change pension companies as the existing policies were making hardly anything and another company would provide better results. He also explained everything re our life insurance as we had taken out a decreasing policy previously by mistake.

Have you seen the outcome you were hoping for?

We now have piece of mind re our life cover which has been increased to 100k each and know our children will be safer in the event of any unfortunate circumstances. We also now know that my husbands pension will be worth a lot more since changing Companies and increasing the monthly payments.

What could they have done better?

Nothing, Sam has excelled in everything he has helped us with.

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

Investment of retirement lump sum.

How has Sam Thorne helped you?

Sam generated an investment portfolio based on our risk assessment and explained what return we could expect to receive.

Have you seen the outcome you were hoping for?

Too early to tell, but considering Brexit, portfolio looking promising.

What could they have done better?

Could have done more for us. Everything was explained thoroughly and clearly

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

I had the opportunity to retire early and needed a professional that i can trust.

How has Sam Thorne helped you?

Having a good final salary pension i needed know if there are alternatives available in today's market that would fit my financial needs. After a couple of visits to my home i found an alternative for both my pension and my saving. Understanding that Sam was a qualified FSA and has a background of many years in financial services gave me confidence in making my difficult decision to change my option.

Have you seen the outcome you were hoping for?

The outcome has so far worked well in my favour and i fell confident that there will be frequent opportunities to discuss future investments.

What could they have done better?

This is a Difficult to answer my service has been first class.

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

Old adviser retired and Sam was recommended

How has Sam Thorne helped you?

Sam improved my investments and help me with pension planning

Have you seen the outcome you were hoping for?

Yes my future planning is heading in the right direction

What could they have done better?

Nothing really he advices me and answered my questions offered all I needed

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

Wanted to get my pension and savings in order.

How has Sam Thorne helped you?

Gave me sound and knowledgeable advice.

Have you seen the outcome you were hoping for?

Yes. I am more confident about my savings and pension situation.

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

Couple of reasons. First we were about to experience a change in our work career, also our investments would benefit from a revenue and possible update.

How has Sam Thorne helped you?

Having had dealings with Sam a few years ago we were greatly pleased to have found out that he had taken an opportunity to become an independent adviser. Sam was more than helpful and flexible with meet ups. He soon understood our situation and was able to advise and guide us on good solid investment schemes. Not pushing any one subject.

Have you seen the outcome you were hoping for?

It is early days as yet, and there is likely to be a bit of a rocky road with any investment. However we feel confident that we have been advised of all the possibilities and that our choice is as good as any in these circumstances.

What could they have done better?

This is quite difficult given that Sam relied somewhat on information provided by us. At times we both came away from a meeting with different perceptions, but then we should have asked questions, or gone back over the topic. All worked out excellent so it was worry over nothing. Hope Sam can keep on as he is with a friendly, thoughtful, and patient style.

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

Consolidation of existing schemes

How has Sam Thorne helped you?

By recommending a provider that suited my requirements.

Have you seen the outcome you were hoping for?

Yes

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

We were looking for consistent, genuine, trustworthy advice for our annual financial review

How has Sam Thorne helped you?

He provided clear, understandable advice on all the areas we were looking for

Have you seen the outcome you were hoping for?

Yes, capital has gained even in an uncertain financial climate

What could they have done better?

Nothing, very happy with all he has done

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

My wife and I decided to seek advice from Sam whom we had met previously when he was working for our bank.

How has Sam Thorne helped you?

Sam came round to our home and gave us a really thorough overview of the advice areas we were interested in. He opened up the options available and helped us select the most preferable for our risk rating and levels of investment.

Have you seen the outcome you were hoping for?

Its still early days but we have been delighted with the service that we have received, and are assured that our continuing business and personal relationship with Sam.

What could they have done better?

It was great to have him explain the intricacies of the reports we received from the company that we used for our investments. He is always available for help when required. You cant ask for more.

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

A change in my personal circumstances and the approach of my 50th birthday gave me reason to assess and revise my financial planning and this was an area I needed professional advice with.

How has Sam Thorne helped you?

Sam talked through my circumstances and my future aspirations and gave general financial advice around mortgage v rental property, investments and savings and most importantly pension advice. I was keen to understand what my various pension products were worth and get them all "under one roof", which Sam certainly helped with.

Have you seen the outcome you were hoping for?

Yes, without question.

What could they have done better?

Nothing - Sam was easy to talk to and explained everything in simple terms and gave great advice, taking account of my circumstances and lifestyle.

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

Although I've always worked for the same company I had several company pension policies due to takeovers/buyouts etc and I wanted to get everything sorted although I am not due to retire just yet.

How has Sam Thorne helped you?

Sam tracked down all my policies and gave me advice on various scenarios and the best way to proceed to get the best out of what I have.

Have you seen the outcome you were hoping for?

Yes it has exceeded my expectations.

What could they have done better?

Nothing I can think of,very good service.

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

I retired, and wanted to transfer my pension out of my Company pension scheme.

How has Sam Thorne helped you?

He advised me on the best way to proceed, advised me of the potential pitfalls, introduced me to the organisation that would be investing my funds, gave me alternatives if I was not happy with that organisation, took a long time to explain things to me when terms were not familiar to me. He also organised the transfer of my pension funds, kept encouraging the Company pension scheme to respond when they were dragging their feet, and also ensured that everything was to my satisfaction.

Have you seen the outcome you were hoping for?

Yes. My pension funds are invested, in a manner that I approve of, and the pension payments are set up and working.

What could they have done better?

Nothing that I can think of.

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

The Trustees of two of the trusts I manage required investment advice for the trust assets

How has Sam Thorne helped you?

After a meeting with Sam, he provided comprehensive written advice that I was able to pass on the Trustees. San then provided the paperwork for the investments to be made and assisted with the completion of the paperwork, as required. Sam is on the ball ensuring that the matter is not forgotten and progressed in a timely fashion.

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'm self employed and I was in need of retirement planning and general financial advice.

How has Sam Thorne helped you?

Sam listened carefully to my situation and needs and provided a solution to my long and short term financial goals.

Have you seen the outcome you were hoping for?

Yes.

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

My wife and I had reached a stage where we needed help with investing inheritances and sorting out pension provisions for our retirement. I knew Sam from his time at HSBC and felt he was someone we could trust as we had always had honest advice from him previously.

How has Sam Thorne helped you?

Sam reviewed the various pension schemes we had in place and, together with the inheritances we had, was able to advise on our best course of action, advice which we followed. Although to the layman this all seemed complicated, Sam was able to explain everything in a way that was clear and understandable.

Have you seen the outcome you were hoping for?

Yes. We have followed Sam's advice and he has shown us that we will be comfortable in retirement which is the result we were hoping for but not confident we would achieve!

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

Most of my savings were in HSBC ,then they said only £85000 covered if anything went wrong , so I thought best to move some away.

How has Sam Thorne helped you?

Sam had been my premier manager at the bank until he moved ,he kept in touch afterwards and offered his services if I ever needed them and as I knew him it seemed easiest to ask him to visit.

Have you seen the outcome you were hoping for?

It’s very early days yet and with the uncertainties of Brexit etc it’s too soon to tell.

What could they have done better?

Nothing really ,he is always easy to contact and willing to come out to my home as I do not drive .

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

I was due to retire and needed advice with a private pension

How has Sam Thorne helped you?

He set up a monthly draw down from my pension pot

Have you seen the outcome you were hoping for?

So for so good

What could they have done better?

In my case he did everything that I was looking for

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

Needed help with starting up a private pension as saving money privately wasn't working

How has Sam Thorne helped you?

Set up myself & my husband with a private pension each and consider what else we can do with the remainder of our savings. We also have requested he support us with appropriate health insurance.

Have you seen the outcome you were hoping for?

Yes. We are happy with our private pensions. We have a plan to review our health insurance once our Wills are sorted.

What could they have done better?

I'm uncertain how to improve the service as it's gone so well. Perhaps some awareness of good investments coming up?