Louis Maddison

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

To consolidate a number of plans which i had never sought advice on before

How has Louis Maddison helped you?

He reviewed each plan and provided a simple summary of the pros and cons of each. He recommended a simpler solution that was professionally managed by PenLife, taking the responsibility from myself which was what i requested

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?

In order that I can manage our finances prudently following my retirement.

How has Louis Maddison helped you?

He has understood our situation and given clear and reassuring advice. I feel more secure knowing that he is there to help.

Have you seen the outcome you were hoping for?

Yes I feel our finances are on a, more secure footing.

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

Circumstances of husband early retirement and funds from sale of property led us to seek professional financial advice from Louis at Penlife.

How has Louis Maddison helped you?

In more ways than one! Understanding our past, present and future goals and enabling us to achieve them. The personal touch, care and Louis knowledge of advice given is second to none. We trust him and his advice 100%.

Have you seen the outcome you were hoping for?

So far so good! We continue to keep positive and as our circumstances change, Louis has supported us through those times and made us feel reassured with decisions made.

What could they have done better?

Absolutely nothing... Communication is fantastic, everything is transparent and any questions raised are addressed promptly.

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

Looking for advice on investments.

How has Louis Maddison helped you?

Louis has been a great help. He provided me with all the information to make my decision. He has taken the time to explain everything in a way that I could understand, and he is always there is I have any questions.

Have you seen the outcome you were hoping for?

Yes, I am very pleased with the outcome.

What could they have done better?

Nothing

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

We needed post retirement advice

How has Louis Maddison helped you?

He has kept us up to date with financial markets

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don’t know

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

To set up a private pension to top up the state pension, regular contributions were being paid monthly into a pension fund to Aviva managed by Penlife. This was through an employer.

How has Louis Maddison helped you?

To ensure we have enough funds for our retirement Louis has discussed Pensions which we continue to pay into and a new private pension seperate from my employers pension. Accessing our pension which we have made use of. Inheritance tax planning for the future. We now have our Wills and lasting power of attorney in place. Savings, maximising the interest we can earn without having to pay tax. We now have Stocks and Shares ISA's as well as cash ISA's.

Have you seen the outcome you were hoping for?

Yes, Louis has delivered the service I would expect to receive, very professional. Knowing that our finances are in good hands, particularly as the stock market is so volatile presently. You have to have confidence that the future will deliver more stability.

What could they have done better?

Im happy with the service so no suggestions to offer

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

I have some savings held in investments

How has Louis Maddison helped you?

Louis has helped me to think about my savings as a resource for my life. Its more than just seeing them grow, its what I want from them.

Have you seen the outcome you were hoping for?

His advice gave me the confidence to realise that I could afford to move house which I had really wanted to do. One of the best decisions I have made.

What could they have done better?

Don't know

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

Consolidate savings and pensions into a single place.

How has Louis Maddison helped you?

Straight forward simply explained options

Have you seen the outcome you were hoping for?

Not quiet the markets have been volatile and difficult to predict due to various conflicts

What could they have done better?

Not sure, it seems to a challenging time in the markets.

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

Needed advice re pensions, retirement income and general financial planning.

How has Louis Maddison helped you?

So easy to talk to, explained lots of different options, and seemed to genuinely understand my needs and circumstances.

Have you seen the outcome you were hoping for?

Yes to some degree

What could they have done better?

Still doing well so no complaints given the current economic situation

Please provide a brief comment about your experience with Louis

I found Louis to be knowledgeable, polite and engaging. He was well prepared and presented in a clear, concise and transparent manner.

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

On husband’s retirement as a Financial Adviser!

How has Louis Maddison helped you?

Explained in layman’s terms

Have you seen the outcome you were hoping for?

Happy with plans made

What could they have done better?

Nothing

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

Seeking pension advice

How has Louis Maddison helped you?

We recently had the pleasure of working with Louis who provided invaluable advice and support when it came to improving my family's financial situation. Louis helped me and my husband better understand our pensions and finances, including how to effectively plan for unexpected events such as potential inheritance tax liabilities. He also helped us manage our tax obligations more effectively, particularly as we're employed business owners. He helped us find more cost-effective ways to pay into our pension, which will undoubtedly help us save considerably on our tax bills moving forward.

Have you seen the outcome you were hoping for?

Despite facing market challenges when we first depositied money, we recognised the potential risks, but also saw opportunities for growth and development in the long term. We hope once the economy settles things will improve.

What could they have done better?

The Pen-life team was very respectful and never tried to pressure us into making a quick decision. Instead, they took their time and provided us with all the information we needed to make an informed choice. It was clear that the end-to-end process was a priority for them, even if it took several months. This level of commitment to their customer's satisfaction gave us even more confidence in their product and service.

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

I was approaching retirement and had also received an inheritance

How has Louis Maddison helped you?

I value the yearly contact. It provides me with the assurance that my financial affairs are in order. I also appreciate that if I have a query about a financial issue I can contact Loius for discussion

Have you seen the outcome you were hoping for?

I feel secure in the steps I have been advised to take

What could they have done better?

I trust that Pen Life have acted in my best interests.

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

My initial approach was based on the need for secure long term financial planning

How has Louis Maddison helped you?

Louis has responded promptly to all my requests and answered professionally all my questions in an easy to understand way I have confidence in his advise and guidance on financial matters

Have you seen the outcome you were hoping for?

Yes albeit these have been testing times financially but I am confident I am receiving best advice

What could they have done better?

In the early stages communication could have been better but this is now fine

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

Several years prior to retirement I found it essential to get professional advise to manage the significant sums involved & planning required to minimise tax.

How has Louis Maddison helped you?

Louis has provided advice on releasing capital from private pensions & other investment products in the most tax efficient way.

Have you seen the outcome you were hoping for?

Prior to the pandemic the investment strategy put in place was working very well & comfortably met my long term retirement objectives. Clearly over the last 3 years the markets have been at best flat, so things are tighter than expected. The current high inflation rate is exacerbating the situation.

What could they have done better?

Difficult to say. I think the investment strategy put in place is probably still valid. No one could have predicted Covid & the war in Ukraine. I guess my situation is typical of the majority of investors. I look forward to my next meeting with Louis to review whether or not anything needs to change.

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

I required help and guidance for my future.

How has Louis Maddison helped you?

Helped me plan for my future by implementing different strategies on what my needs are.

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?

Following some issues with a previous Financial Planner, we received exceptionally good reports regarding Penlife and we made a decision to move our investments to Penlife and have been associated with Louis since that time.

How has Louis Maddison helped you?

Louis has monitored our investments and advised us accordingly regarding their progress.

Have you seen the outcome you were hoping for?

For the majority of the time we have seen the outcome which we were hoping for apart from the general economic downturn as a result of both COVId and the war with Ukraine - completely outside the control of Penlife.

What could they have done better?

Nothing more could have been done.

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

We have been with the company for many years and we're transferred to Louis when John Walker moved to a new role, our initial meeting was to plan for early retirement.

How has Louis Maddison helped you?

Since taking over from John Walker he has gone above and beyond to make the transfer seemless and has supported us both through a major medical issue even having meetings at the hospital and providing video footage to aid Diane's recovery. The little touches of cards and flower's were very much appreciated. Penlife have always looked after our finances and welfare very well and have allowed us to retire with confidence.

Have you seen the outcome you were hoping for?

We have all gone through a financial crisis but we feel our money is in safe hands

What could they have done better?

We find it difficult to think of anything

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

Being self-employed, I wanted to make sure I was on the right track with my pension

How has Louis Maddison helped you?

Louis has always been helpful and supportive. He has the great skill of being able to make financial matters understandable and clear. I've also found him to be genuinely interested in me as a person and not just my finances.

Have you seen the outcome you were hoping for?

Yes, to a degree. I appreciate that the areas that are not performing are due to world events.

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

After previous experiece with my former financial adviser, I felt it was important to engage with Penlife who were recommended to me by a friend. The management of pension investments in particular is important to me and having professional competent oversight of these investments was a significant factor in my decison making.

How has Louis Maddison helped you?

Around 4 years.

Have you seen the outcome you were hoping for?

Pretty much. Given market volatility in recent years, outcomes have been toned down somewhat. In short, I feel that Penlife have made the best of a bad job.

What could they have done better?

The advice received on a bridging loan from an extenal provider led to a degree of difficulty. I would not do further business with the loan broker concerned.

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

I had moved back to the Uk from overseas and wanted advice on investments.

How has Louis Maddison helped you?

Louis had provided great advice regarding investing, pensions and making my money work hard for the future.

Have you seen the outcome you were hoping for?

It’s been up and down but I’m not disappointed

What could they have done better?

No suggestions for improvement

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

I received an inheritance.

How has Louis Maddison helped you?

He has advised me on what my options are in regard to investments, and the actions required by me to facilitate these. He gave me advice with regard to my state pension and steps I should take prior to my state pension retirement date. He has explained about how the tax rules may effect me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am not aware of anything which could have been done better.

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

Needing help with future financial planning

How has Louis Maddison helped you?

He gives us regular updates about our financial situation an is always there if you need to contact him.

Have you seen the outcome you were hoping for?

Yes although unfortunately Covid and the war in the Ukraine has had some financial effects on things

What could they have done better?

Nothing

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

One of my final salary pensions was due to go into payment and I anders if I would be able to use my other 2 loosens as well and retire early

How has Louis Maddison helped you?

Louis looked at all my potential incomes and outgoings and suggested a plan that would enable me to retire early and live until my state pension kicked in.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, all the help and advice has been spot on

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

Needed advise on planning for retirement and management of investments. we had received poor advise prior to PenLife

How has Louis Maddison helped you?

Louis has provided ongoing advise on management of investments and organising periodic withdrawals. He has been reassuring about finances despite turbulent markets and explains things clearly. He is approachable, friendly and amenable to meet at our convenience.

Have you seen the outcome you were hoping for?

Overall we are happy with our investment portfolio given current markets.

What could they have done better?

Nothing we can think of.

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

Approaching retirement

How has Louis Maddison helped you?

Helped with amalgamating various pensions for myself and my wife

Have you seen the outcome you were hoping for?

Yes, I think so.

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

How has Louis Maddison helped you since your last review?

Providing clear reassurance during these difficult times.

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

Following my retirement, I wanted ongoing advice on managing my future finances

How has Louis Maddison helped you?

He has organised my investments, reviewed the position every year, and provided advice on drawing down funds as needed

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?

Wanted to amalgamate several pensions and retire early

How has Louis Maddison helped you?

Annual review of investment performance.

Have you seen the outcome you were hoping for?

Market conditions have meant that investments have under performed in the last year

What could they have done better?

Nothing given market circumstamces

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

Following an unhappy experience with my last financial advisers I needed to find a company I could trust, and nearer to my home.

How has Louis Maddison helped you?

Louis is a very personable young man. His advice is clear and well explained. I am confident in the company he represents.

Have you seen the outcome you were hoping for?

In view of the recent and present world events the outcomes of my investments is more what I was expecting rather than hoping for.

What could they have done better?

See above.

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

Needed to consolidate numerous pensions & invest for my retirement

How has Louis Maddison helped you?

All pensions are now consolidated & invested.

Have you seen the outcome you were hoping for?

Yes I can now enjoy my retirement knowing that my investments are being managed in a tax efficient manner

What could they have done better?

Nothing to my knowledge

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

investment advice

How has Louis Maddison helped you?

knowledgeable about our circumstances explanation of situation/options decision making comfortable with discussion

Have you seen the outcome you were hoping for?

markets have determined downturn

What could they have done better?

Louis could not have been more helpful.

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

Professional guidance. Louis came highly recommended.

How has Louis Maddison helped you?

Clear and regular explanations and updates.

Have you seen the outcome you were hoping for?

No, but that is NOT down to Louis!

What could they have done better?

Can’t think of anything

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

Moving towards retirement.

How has Louis Maddison helped you?

work out options for early retirement and plan my income.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing as far as I can see.

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

Reference

How has Louis Maddison helped you?

Yes

Have you seen the outcome you were hoping for?

Just joined so need to wait

What could they have done better?

Nothing yet :-)

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

advice was needed on our retirement

How has Louis Maddison helped you?

He has given good advice on how to manage our spending during retirement

Have you seen the outcome you were hoping for?

Yes

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

I had a company pension fund that was being managed very passively, and not very well. It was decreasing in value at a time when most were increasing.

How has Louis Maddison helped you?

Louis has taken on the task of over watching my pension portfolio whilst ensuring that it matches my personal situation and needs.

Have you seen the outcome you were hoping for?

Yes

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

Came into money that we need professional advice on investing rather than leave in the bank!

How has Louis Maddison helped you?

He has listen and understood our current situation, our goals for the future and then put together a financial proposal foe us to consider and implement. His communication with us has been second to none and feel that we are in very safe hands.

Have you seen the outcome you were hoping for?

And more... Looking forward to working with Louis to ensure that our goals are achieved over the time frame discussed.

What could they have done better?

Nothing... Felt from the initial on line enquiry that we have been in safe hands with our goals for the future listened too.

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

They were two-fold. There was an annual review of our investments and we wanted Louis's advice on where to withdraw a sum of money that we needed.

How has Louis Maddison helped you?

He talked through our current investments, he listened carefully to what we said about the withdrawals that we wanted to make and has already set that it train. He answered knowledgeably and reassuringly questions that we put to him about the arrangements to pass assets to our children upon our deaths.

Have you seen the outcome you were hoping for?

Yes. The money that we asked for has been sent to us. We are happy with the investments that we have made and understand that their value can rise and fall but that long-term we have confidence in the decisions made at Penlife.

What could they have done better?

Penlife has done exactly what was asked of them.

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

Retirement, maturity of pension plan.

How has Louis Maddison helped you?

Louis has given sound advice giving my husband and I confidence to make the best decisions for our future, and helping us make the most of the small income that we receive from drawdown. He goes over and above in delivering personal assistance during these worrying times.

Have you seen the outcome you were hoping for?

Yes on the wholewe have.

What could they have done better?

Nothing

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

To combine pensions and seek advice on retirement plans

How has Louis Maddison helped you?

Louis has been brilliant. He is very approachable and helps to make complicated investment plans (for a layman) easy to understand.

Have you seen the outcome you were hoping for?

I wanted to retire next month and Louis has helped me in my affordable goal to leave permanent work.

What could they have done better?

Nothing. Louis' clear explanations have exceeded my expectations.

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

Second marriage, putting 2 lots of finance and sorting out our investments etc. This was at least 20 years ago so now on my 3rd advisor.

How has Louis Maddison helped you?

I am now 73 and had quite afew questions to ask Louis which I e mailed him before our video call. This gave Louis time to get me the best advice .

Have you seen the outcome you were hoping for?

Not yet, I have still to make my mind up.

What could they have done better?

Nothing really,Lois got the information I needed for me to sort out.

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

I was nearing retirement and required advice and support on investing my savings and pension funds

How has Louis Maddison helped you?

Louis reviewed my financial position and future plans, and the level of risk I was prepared to accept. He explained in detail the options available to me, and arranged to invest my savings to help support these plans. I receive regular updates, and a full annual review. I can also ask for advice at ay time.

Have you seen the outcome you were hoping for?

Yes, my funds have grown significantly over the years. I have sufficient income for my needs, and can withdraw lump sums when necessary.

What could they have done better?

Nothing. i am very happy with the service I receive from Louis.

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

I want my money to earn more than the return through a building society savings account but would not have the confidence to do it without an adviser.

How has Louis Maddison helped you?

My investments have seen a good rate of growth over the past few years. But Louis has also made me realise that financial planning is not just getting a good return, its about planning to spend it too. Louis takes the time to understand my circumstances and helps me plan to get the most out of my money.

Have you seen the outcome you were hoping for?

I feel actively involved in my financial planning and will continue to work with Louis. I enjoy our review meetings and know I can contact him anytime.

What could they have done better?

Nothing

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

Just making sure that I have enough money to live on, now that I am so ancient!

How has Louis Maddison helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot!

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

I have put money aside for my future financial security since I started working nearly 40yrs ago. I wanted to ensure I am investing in the best was possible.

How has Louis Maddison helped you?

Louis' Super Power is making the complex and intricate world of financial investment understandable to the average Jo(anna). I feel confident that he understands my long-term objectives and he advises in a knowledgeable and approachable way.

Have you seen the outcome you were hoping for?

Yes, although the current financial climate is rather unnerving. Louis and I discussed this during our most recent meeting and explored options.

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

Retirement and pension consolidation

How has Louis Maddison helped you?

Annual investments statement review and explanation. Review and subsequent amendment of ‘risk level’ for portfolio management.

Have you seen the outcome you were hoping for?

Not yet applicable.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Louis

I was delighted with the review of my financial position that Louis carried out and the care with which he went through the results and explained them to me.

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

Needed savings and pensions advice

How has Louis Maddison helped you?

Reviewed my financial situation, gave advice and helped rearrange my finances

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 Louis Maddison helped you since your last review?

Continued to maintain good communication with me at all times, ensuring my awareness of current events and their impact on my portfolio

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

How has Louis Maddison helped you since your last review?

In the light of the COVID -19 Pandemic, Louis kept us advised regarding the returns on our investments bearing in mind that my wife and I were unable to meet Louis in the usual face to face way. He is a reliable and conscientious person who gives us accurate information and in an understandable format.

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

I ongoing need for annual review

How has Louis Maddison helped you?

Louis has taken it upon himself to understand deeply my personal situation and my aspirations going forward. This he has done admirably such that I have absolute confidence in his ability to manage my account to ensure my requirements are met perfectly.

Have you seen the outcome you were hoping for?

Yes, Louis has helped in dealing with some extremely tricky situations, caused by external parties such as HMRC.

What could they have done better?

I am entirely content with all aspects of the management of my pension by Louis and his company

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

Maximise return from an inheritance nd forward planning for retirement

How has Louis Maddison helped you?

Along with his colleague, advised on investment and ongoing performance and advice on regular income and projection of Security of funds.

Have you seen the outcome you were hoping for?

Possibly but Covid has affected the markets. I’m pleased how my investment has recovered.

What could they have done better?

Perhaps pay more attention to detail and listening.

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

My wife and I needed sound advice from a reputable financial adviser and who was locally based.

How has Louis Maddison helped you?

We have found Louis to be a very approachable person and has been well able to explain and keep track of our investment portfolio over the past 2/3 years.

Have you seen the outcome you were hoping for?

We have certainly seen a very good outcome for 2019 although as a result of Coronavirus, our investments did take a slight dip, as expected but Louis has advised us subsequently that our portfolio position is improving and he has sent details to back this up.

What could they have done better?

We don't consider that Louis can do any more for us, he is extremely approachable and very respectful and we appreciate his assistance.