Tom Hughes

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

I needed someone who was well informed

How has Tom Hughes helped you?

Retired now, hopefully with money to spare!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can’t really think of anything major?

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

I was working for a large retail company which subsequently went into administration and was worried about what would happen to my company pension. Ultimately, following redundancy, I wanted my pension funds to be available to provide retirement income and was able to do this following advice from PenLife.

How has Tom Hughes helped you?

He was able to help me to navigate through the complicated processes involved in transferring the pension from my previous company and enabling me to take start taking an income from the pension.

Have you seen the outcome you were hoping for?

Yes, I was able to take out a lump sum from the pension to pay off my mortgage which was a great weight of my mind,

What could they have done better?

I don't know as they have been able to help me to gain financial stability after redundancy.

Please provide a brief comment about your experience with Tom

Tom was highly recommended to us by friends/colleagues and our impression at & after the first meeting with him has been very positive so we have instructed him to undertake some work for us.

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

My previous adviser was not a pensions and income tax specialist.

How has Tom Hughes helped you?

Reviewed all pension funds and recommended & implemented monthly income and ongoing investment strategies.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Please provide a brief comment about your experience with Tom

Tom was polite, extremely helpful and approachable when navigating me through the unknown. I highly recommend Tom to anyone looking for help with their finances.

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

To discuss various options around pension planning and retirement

How has Tom Hughes helped you?

Tom has a wealth of relevant experience

Have you seen the outcome you were hoping for?

Yes

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

Approaching retirement and needed to understand the options available to me

How has Tom Hughes helped you?

Tom has the ability to understand complex financial situations and then explain them together with options. Tom is considered and extremely thorough and questions for the detail before giving thoughtful guidance.

Have you seen the outcome you were hoping for?

Yes, fully explained with great detail.

What could they have done better?

At this stage there is nothing that I would consider Tom could have done more than he has.

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

Finishing work at age 58 and wanting to maximise my pension income.

How has Tom Hughes helped you?

When I left work I had several pension ‘pots’. These were all put together and Tom helped make the process much simpler than I imagined it would be.

Have you seen the outcome you were hoping for?

Yes - I am able to maintain a comfortable life style in early retirement.

What could they have done better?

I have nothing to add here.

Please provide a brief comment about your experience with Tom

Request for advice regarding pension transfers.

Please provide a brief comment about your experience with Tom

I needed some advice when considering what to do approaching aged 55 with my works' Defined Benefit pension, whether to take it into payment and then plough into my company's other what appeared on paper to be a far better proposition for me at my stage in life and stage in my career. He was able to rapidly understand my myriad of modelled scenarios, corrected a number of mistakes and was then able to spend some really quality time discussing the pro's and con's of my options afoot. I've now made my decision and want to thank Tom for his help and guidance on this difficult matter - I will be using Pen Life again and hopefully Tom in the future at the next stage.

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

I needed to transfer a DB pension that only allowed an annuity into a more flexible plan.

How has Tom Hughes helped you?

Tom advised and set up a SIPP that allows me to drawdown my pension as needed.

Have you seen the outcome you were hoping for?

Yes, I now have a more flexible pension plan.

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

Early retirement - how do I make the money last?

How has Tom Hughes helped you?

Made the money grow for me and I'm confident via regular communications that it is being looked after.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing comes to mind.

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

I had a number of defined contribution work pensions as well as an offer to be bought out of a defined benefit pension and needed expert advice of how to achieve long term financial requirements as well as planning for early retirement.

How has Tom Hughes helped you?

Tom has taken a holistic view of both my own and my wife’s requirements and provided a plan to meet both our short term and long term needs. Tom has explained all options very clearly and been very patient while decisions were made.

Have you seen the outcome you were hoping for?

Yes. We have both retired and are extremely happy with our financial situation.

What could they have done better?

I’m not sure any aspect of our dealings with Tom could have been improved.

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

Change in status to widower.

How has Tom Hughes helped you?

With great understanding of my situation

Have you seen the outcome you were hoping for?

Yes within limits of outside circumstances

What could they have done better?

Don’t know

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

To plan for Early retirement after redundancy

How has Tom Hughes helped you?

Great tax advise and planning for the future

Have you seen the outcome you were hoping for?

Upto now yes

What could they have done better?

Not sure at the moment, I have generally happy

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

Concerns about the company pension scheme, wanting to protect my family and retire early

How has Tom Hughes helped you?

Gave excellent advice, transferred my pension and manages my pension

Have you seen the outcome you were hoping for?

Yes

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

Management and professional care Of pension fund.

How has Tom Hughes helped you?

Tom has been very honest in my understanding and expectations for my retirement income. I have come to trust Tom advice and direction.

Have you seen the outcome you were hoping for?

During the recent fall in the Markets he has giving me a belief that he will Manage the Markets in the best possible way.

What could they have done better?

Knowing the future

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

I wanted to retire early

How has Tom Hughes helped you?

He has been a great help in helping to sort my pensions out and gave me the knowledge to be able to retire earlier than I thought possible

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing Him and his team always answer the few questions I have quickly and professionally

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

I was looking to retire and wanted advice about the possibility of withdrawing my pension and investing

How has Tom Hughes helped you?

Tom reviewed our circumstances and gave professional and informed answers to our questions , he's very patient and explains options and answers questions in a way we could understand. But the best bit was ,we never felt under any pressure from Tom to make a decision one way or the other , he's very easy to talk to . P

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really , we found all the staff that work with Tom very helpful, I've never had a problem contacting him

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

Planning for retirement, needed to understand the potential options with respect to my defined benefit pension.

How has Tom Hughes helped you?

Initially discussed what we actually wanted as we considered early retirement before considering financial options IE ensuring that the advice given would provide us with our desired outcome. Only then did Tom provide us with a full range of options.

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

Nothing really. Any issues / questions etc have always been addressed

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

Ack of consistency in the market

How has Tom Hughes helped you?

Always helpful and available

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing an A1advisor

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

Before retirement I wanted to move my pension pot from a company scheme.

How has Tom Hughes helped you?

Clear advice as to the options available and the costs and charges for each option. Then Tom arranged and managed setting up a draw down pension for me.

Have you seen the outcome you were hoping for?

Yes. And Tom is always happy to help whenever I need any financial advice.

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

Retirement

How has Tom Hughes helped you?

Immensely

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very little.

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

I was looking for someone who was professional and clearly knew what they were talking about. Equally, as it was hopefully going to be a long term relationship, I wanted someone I could get along with and had a good sense of humour. Tom has delivered on all of these requirements.

How has Tom Hughes helped you?

Tom has been advising me on my pension and longer term financial planning.

Have you seen the outcome you were hoping for?

Yes, with regular reviews and good communication I'm very happy with the service I've received from Tom and PenLife. I wouldn't hesitate to recommend them to others..and have done!

What could they have done better?

Nothing that I can think of. As I've said previously I'm very happy with the service.

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

Planning for early retirement from NHS so wanted ’private’ pensions and investment advice

How has Tom Hughes helped you?

Tom has been approachable, honest and genuine. Easy to talk to and gives clear advice. Always responds quickly to requests for information

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing, the whole team at Penlife are extremely professional and helpful

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

Needed help with my pension planning and advice on how to best use my savings and investment

How has Tom Hughes helped you?

I’ve been with Penlife for over 20 years and Toms advice and support has always been thorough. He is extremely knowledgable and always provides sound advice that’s tailored to my situation.

Have you seen the outcome you were hoping for?

Yes, despite a turbulent market my investments have done well over the years and having a vision of my investments and the support from Tom has helped me plan my retirement.

What could they have done better?

Nothing really , it’s been a first class service over many years.

Please provide a brief comment about your experience with Tom

Helpful, to the point and beneficial

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

to get sound advice as to where to invest for the future

How has Tom Hughes helped you?

Tom arranged all our pensions and ISA and provides a great ongoing advice

Have you seen the outcome you were hoping for?

yes and more

What could they have done better?

nothing really...always helpful, friendly and responsive

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

I was exploring a pension transfer

How has Tom Hughes helped you?

Tom advised me on a pension transfer to a SIPP. The quality of advice, service and support throughout the process was excellent. I met with Tom both face to face and virtually on numerous occasions to go through everything in great detail and he couldn't have been more helpful.

Have you seen the outcome you were hoping for?

Yes, so far !

What could they have done better?

Nothing

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

Desire to retire early and get my pension pots in order

How has Tom Hughes helped you?

Managed the process of combining my existing pension provisions that were inadequate in terms of what they were projecting and putting in a position to enable a sensible drawdown process, enabling me to comfortably retire at 55.

Have you seen the outcome you were hoping for?

Yes, extremely pleased with the outcome

What could they have done better?

Nothing

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

Pension, Pension transfer, retirement planning.

How has Tom Hughes helped you?

Explained the options available to me in simple terms.

Have you seen the outcome you were hoping for?

Yes.

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

Having a child

How has Tom Hughes helped you?

Set us up for retirement and achieving the goals we have. Very clear, precise information - even in our complex circumstances. Nothing was too big an ask and was thoroughly investigated, reviewed and options explained

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Literally nothing

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

Inheritance and ongoing pensions.

How has Tom Hughes helped you?

Advice on new investment.

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?

First The 3 star rating on the first page of this review is there becasue I did'nt really do much in terms of comparing prices as Tom was recommended to my wife by a work colleuague, That out of the way, Tom visisted our home and explained in detail how the Draw down pension worked and answered all our questions with a calm and thorough demenour. I find Tom to be a caring, knoweldgable person and I am pleased I have him as my advisor.

How has Tom Hughes helped you?

He explained our options about pensions which we did not know about at the time.

Have you seen the outcome you were hoping for?

I have seen the benefit of Toms advice in a positive way.

What could they have done better?

Don't know.

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

As I was over 55 I wanted advice on investing my pension pot.

How has Tom Hughes helped you?

By advising what risk I should consider with my money and also the best way of drawing an income

Have you seen the outcome you were hoping for?

Yes, I understood from Tom that a draw down would go up and down but he also checked out annuity options for me.

What could they have done better?

He covered all the options I wanted and have recommended his advice to friends and family with 3 so far contacting him.

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

advise on investment

How has Tom Hughes helped you?

Gave appropriate advise

Have you seen the outcome you were hoping for?

ish

What could they have done better?

Cut down endless paper work we receive though the post Just a statement once in a while on the value of my investments .

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

On retirement I received a lump sum payment from my employer as part of my pension package. I approached PenLife for advice on investing this sum.

How has Tom Hughes helped you?

Tom has been my advisor and looked after my savings ever since setting up my investment portfolio. He also helped me when I was purchasing a property in Spain. He provided advice and assistance to my mother with her savings following the death of my father, especially the best way to protect this sum for future inheritance purposes.

Have you seen the outcome you were hoping for?

I am very happy with the advice I have received and feel that my finances have benefited from this advice.

What could they have done better?

It is always a pleasure meeting with Tom when I have my annual review.

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

We where all ready with Pen-life.co.uk when the person we where with , left, we went with Tom, that must be at least 10 years ago

How has Tom Hughes helped you?

He sorted all our finances and pensions out . After my husband passed away, Tom helped me with all the forms you have to fill in after a bereavement, I couldn't have done it without his help, that was 5 years ago ,and he has looked after my finances ever since.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No he knows what he is talking about and puts it in plain English. So you can understand.

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

I needed to secure advice concerning a final salary scheme and the potential transfer to a drawdown investment scheme.

How has Tom Hughes helped you?

Tom took considerable time to explain the process, risks and options without any pressure. Tom was extremely patient and was very prompt in replying to any queries we had. He provided all the required details and analysis in order for us to make a decision.

Have you seen the outcome you were hoping for?

Yes we have and have no regrets in following the advice provided by Tom

What could they have done better?

I don’t believe there is anything further we could have expected from Tom

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

We were looking for someone who we could trust and rely on to look after our investments and keep them under one roof

How has Tom Hughes helped you?

Tom came highly recommended , looked through our investments and gave us his very valued opinion with no pressure and let us decide witch way to move forward. Pen Life is like a very friendly family business, they all make us feel so welcome.

Have you seen the outcome you were hoping for?

We are very pleased with the outcome and now Tom looks after all our investments and gives us much valued advice.

What could they have done better?

In our opinion Tom has done all we asked for and are very satisfied so we have no suggestions to improve.

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

had some money doing nothing

How has Tom Hughes helped you?

he listened to our situation, outlined our options and let us consider them without putting pressure

Have you seen the outcome you were hoping for?

certainly - so far exceeded expectation

What could they have done better?

perhaps both sides could have had more regular meetings - but communication by email/ letter have been fine

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

Retirement/downsizing

How has Tom Hughes helped you?

DB pension transfer and investment advice

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

More than happy with Tom’s service - knowledgable, professional , responsive and not pushy.

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

I needed financial guidance and Tom was recommended by a few work colleagues. So pleased I contacted him.

How has Tom Hughes helped you?

Tom came to my place of work and talked a group of us through our pension options. I decided afterwards to contact him, and if he would he would be my advisor. He kept me up to date with everything and it all went very smoothly.

Have you seen the outcome you were hoping for?

I have been happy with the results.

What could they have done better?

Only thing he could do better is..... bring biscuits on his next visit. Tom called when I was shielding, he was checking I was ok with my finances, thanks Tom.

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

Wish to retire early

How has Tom Hughes helped you?

Guided me through transferring from company deferred benefit scheme to managed portfolio

Have you seen the outcome you were hoping for?

Yes, great outcome so far

What could they have done better?

N/a

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

Money sitting in the bank and believed a professional advisor would give better results than I could achieve

How has Tom Hughes helped you?

Tom has been our Financial Advisor fora number of years and we feel very confident in the advice he gives. He was particularly helpful most recently with my wife’s annuity upon her retirement. We appreciate the fact that he comes to our home well prepared and willing to explain simply, the options available.

Have you seen the outcome you were hoping for?

We have been delighted with the outcomes achieved with all our financial arrangements chiefly through the advice given by Tom and the support of the PenLife team

What could they have done better?

We would be happy for Tom to continue to give advice in a same efficient, knowledgeable and agreeable manner he does at the moment.Thanks

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

Long term financial planning Pension transfer

How has Tom Hughes helped you?

Assess my attitude to risk Formulated a plan to be able to retire earlier than I thought I could (at 55)

Have you seen the outcome you were hoping for?

Absolutely. Yes

What could they have done better?

I have nothing to add All excellent

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

Pensions and savings review

How has Tom Hughes helped you?

Discussions

Have you seen the outcome you were hoping for?

Pension to be finalised

What could they have done better?

Very satisfied

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

Whilst in full-time employment my investments were under performing but being very busy and don't sure who to approach I left making decisions about switching funds. After I had retired I revisited my investments and asked a friend, who worked in the financial sector, about local advisers and Tom was highly recommended so I arranged a meeting with him.

How has Tom Hughes helped you?

He advised on my whole portfolio of investments, including an additional pension, as well as providing the same service for my wife.

Have you seen the outcome you were hoping for?

Yes my investments have grown significantly since the initial meeting with Tom as well as the pension. My only regret I wish I had met Tom about 10 years earlier than I did!

What could they have done better?

I cannot think of anything at all.

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

Questions about my previous pensions and the future

How has Tom Hughes helped you?

He gave clear open advice following an investigation of my previous investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am satisfied with Tom and the advice he has given, so no comments on what could have been better

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

I have been with Pen Life for more than 20 years

How has Tom Hughes helped you?

Tom is a pleasant and a trustworthy individual, he looks after my pension. In which it has made great strides over these trying times, due to his diligence.

Have you seen the outcome you were hoping for?

It’s ongoing but I know Tom will do his utmost to secure my financial future.

What could they have done better?

Absolutely nothing,

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

I’ve always saved and have known Tom for many years.

How has Tom Hughes helped you?

he advised me how to make the best results from an inheritance from a family member.

Have you seen the outcome you were hoping for?

No complaints

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

First Long term financial planning. Then planning for retirement

How has Tom Hughes helped you?

Straight forward advice. Honest realities of pensions and expectation.

Have you seen the outcome you were hoping for?

Yes drawing pension and confident in its management .

What could they have done better?

No suggestions

Please provide a brief comment about your experience with Tom

As the first meeting with Tom was a fact finding excercise and he now needs to do some research the exact fees are as yet not known. However, I have been made aware that there will be fees involved should I decide to act on the advice given.

How has Tom Hughes helped you?

Initial consultation most helpful.Subsequent dealings with sidekick less than impressive.Tom is a very competent and capable advisor, unfortunately his organisation is not up to speed - If I send a letter (or two) I expect the courtesy of a response. PenLife could do much better.

What could they have done better?

Communicate!

Please provide a brief comment about your experience with Tom

Has not responded to my email.

How has Tom Hughes helped you?

We have always found Tom to be extremely approachable and responsive to any concerns or queries we may have. Regular reviews are received by e-mail. Annual reviews are comprehensive and pitched at the right level with any advice or recommendations put to us without any pressure.

How has Tom Hughes helped you?

At the initial meeting he fully understood my situation and investment requirements and guided me through his recommendations. He is always available for one to one discussions and any queries are resolved promptly. When requesting an appointment I have the choice of meeting him at his office or at my home. His advice is always in plain English, is easily understood and followed up by written confirmation. My portfolio is reviewed on a quarterly basis, and I also receive regular statements.

What could they have done better?

At this point in time I am completely satisfied with the service I receive.

How has Tom Hughes helped you?

explained the benefits of longer term investments for my future . ie isa's & portfolios. very approachable & easy to discuss issues with

How has Tom Hughes helped you?

Tom is empathetic and supportive - happy to handle the simplest of queries and answer in a way that is accessible to the financial layman. Tom honours hus commitments and delivers figures promptly every time

What could they have done better?

Our financial affairs are very simple, so Tom has little to work with - so no useful suggestions

How has Tom Hughes helped you?

Tom is very approachable and conducts our business at a pace that I find is comfortable - predecessors sometimes have been too quick without clear explanation. He is very clear on the detail and will go away and consider next steps rather than jump in.

What could they have done better?

My only criticism is delay in responding when I ring the office with a query and he is not in. I sometimes wonder if the message has been passed on so it may be an office problem. I have his mobile number as a fall back but reluctant to use it initially.

How has Tom Hughes helped you?

Professional personable approach and backed by similar in his organisation. Excellent communications in person, email and via organisation. Regular updates and communications ensure confidence in our investments.

What could they have done better?

Can't think of anything to add here.

How has Tom Hughes helped you?

The world of finance is a minefield, you only have to look at the money paid out for wronlgy sold PPI. It is always good to get some good honest advice from someone whose sole objective is not to sell you something and make money for his commission. I have dealt with Tom for quite a number of years, I know I can rely on his honesty and advice and that should I need any more information he is only a phone call away. I have no hesitation in recommending Tom for good straightforward advice on a subject that can be most confusing.

How has Tom Hughes helped you?

Tom explains things in an easy to understand way and makes you feel a valued client

How has Tom Hughes helped you?

I was with Tom's predecessor before Tom took over. He was well briefed with my background and provided carefully graded options for future policy decisions. These Tom fully explained and did not push me into any preferred option; he inclines to the cautious. Tom is easy to talk to, gives you as much time as is needed to fully explain each situation or proposal. Has good back-up in the office.

What could they have done better?

A brief personal phone call every 6 months just to make contact - and make sure we are both still alive - would be comforting.

How has Tom Hughes helped you?

Makes you feel at ease straight away. Doesn't talk down to you. Listens to what you have to say. Explains everything in great detail. Knows what he's doing. Good sense of humour . I'd recommend him to anyone who wants good, straight forward financial advice.

How has Tom Hughes helped you?

Tom is very approachable and was excellent when dealing with my mother when she needed advice. He explains the complicated world of finance in a way that I can understand on the pros and cons of investments.

How has Tom Hughes helped you?

Tom is great at explaining things clearly, at giving you context, and is focused on your needs.

What could they have done better?

I cannot think of anything.

How has Tom Hughes helped you?

Communicates well, informative in plain words. Tom is a trustworth person , who always has my best interest at heart.

How has Tom Hughes helped you?

We have known Tom for a few years now and he is aware of our financial situation and advises us accordingly. Tom is easy to talk to and always gives a professional and friendly service

What could they have done better?

Honestly can't think of anything.

How has Tom Hughes helped you?

Clearly explains the options open to me for investments and pension funds. Also was clear as to charges made against my investments.

How has Tom Hughes helped you?

Questions and queries answered and explained in an understandable manor Arrives on time. Professional, friendly and prepared.

What could they have done better?

Make us more even moor money of course. What else ??? Seriously it is difficult to see How Mr Hughes could do better with out the use of a crystal ball

How has Tom Hughes helped you?

Tom is very approachable and speaks to us in plain English which is a great help to us. He is very good at listening to our needs and trying to achieve the goals we require. Only time will tell whether our goals are reached, but we have every faith in Tom.

How has Tom Hughes helped you?

Firstly he is both friendly and punctual. The session my wife and I had was extremely valuable. Tom took great care in listening to our issues abut our current situation and our concerns about dealing with future issues. After much discussion he suggested alternative towards dealing with these and helped us in making what we felt was the right decisio

What could they have done better?

I am not aware of any aspects that needed improvement

How has Tom Hughes helped you?

Tom sorted out my financial situation as I approached retirement and organised a sound base for on-going income from that time. In all my dealings with Tom I have always felt comfortable with the advice and information provided and in the way it was delivered . He has an easy way of communicating whilst ensuring that the details are delivered in a simple and easily understood manner. His ability to identify the important issues I have had is first class and in brief he has my total trust.

What could they have done better?

I have no suggestions as to how Tom could improve his performance so far as I am concerned as I am perfectly content with the service and outcomes provided by him and his firm.

How has Tom Hughes helped you?

We have found that Tom creates a relaxed atmosphere which enables us to feel confident in his advice. He is well prepared and presents information clearly and in easily understandable terms free from jargon. He does not make us feel pressured in any way and is happy to answer our questions and give us alternatives.

What could they have done better?

We are very happy in all aspects.

How has Tom Hughes helped you?

Is all always focussed on our needs and gives very useful general advice as well as more specialist information.

What could they have done better?

I'm not sure he could do anymore than he does at present.

Please provide a brief comment about your experience with Tom

Suggested ways of dealing with my pension fund that I had not even considered, and explained everything very clearly.

How has Tom Hughes helped you?

Tom made a home visit to discuss my own personal pension and also my father-in-laws investments. I found him to be very well informed. I felt assured that the information and advice he gave us was well constructed and informed.

What could they have done better?

I don't have any criticism be it constructive or otherwise as we felt his advice and also is professionalism were well received.