Reviewed for

Insurance and Protection ( 6 )

Pensions ( 47 )

Equity Release ( 2 )

Retirement income (annuities, drawdown) ( 28 )

Investments and Savings ( 50 )

Pension Transfers - Non Specialist ( 15 )

Inheritance Planning ( 8 )

Long Term Care ( 1 )

Pension Transfers - Specialist ( 6 )

Financial Planning ( 15 )

Financial Mentoring ( 5 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 21 )

£200k - £500k ( 6 )

£100k - £200k ( 4 )

Up to £50k ( 2 )

£50k - 100k ( 2 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Having a fairly substantial pension pot which i did not need to draw on straight away I required advice regarding the best way of investing the pot with particular emphasis on inheritance planning.

How has Natalia Lingiah helped you?

Natalia devised a portfolio of investments in line with my attitude to risk which has achieved good growth since my retirement. In addition. in the last 12 months there has been a major change in my personal circumstance which had an effect on my financial planning and for which I had to consult Natalia in order to realign my objectives.

Have you seen the outcome you were hoping for?

Yes. Good growth in my portfolio and ongoing advice to achieve revised objective.

What could they have done better?

Nothing.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Having a pension lump sum

How has Natalia Lingiah helped you?

Helped me with investments

Have you seen the outcome you were hoping for?

We all hope for more but with recent volatile world events I am happy

What could they have done better?

Can't think of anything

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Plan for retirement

How has Natalia Lingiah helped you?

Helped in that planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NA

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Expert support

How has Natalia Lingiah helped you?

Advice on future planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing i can think of

Natalia's reply

Thank you Sue for taking the time to leave your review! It is very much appreciated and I look forward to supporting you through your retirement years.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I was looking to retire from work before my state pension age, and wasn't sure how I could access my pension pot.

How has Natalia Lingiah helped you?

She helped move my pension pot, and guided me through the drawdown process, allowing me to retire at 60, though my state pension age was 66.

Have you seen the outcome you were hoping for?

Yes!

Natalia's reply

Thank you Linda for your review, it's very much appreciated! I hope to continue to be of assistance to you in the years to come.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Staffordshire

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

Reaching pension age with advice needed about 3 separate pensions.

How has Natalia Lingiah helped you?

Natalia continues to review my pensions annually and advises if a change of investment is a better option

Have you seen the outcome you were hoping for?

The outcome in the first few years was excellent. Recent years have shown a down turn. However stock markets have been especially volatile.

What could they have done better?

Difficult to say. Financial markets have been in turmoil, but I'm hoping my pensions are still invested in the best options.

Natalia's reply

Thank you Morris for your review, it's very much appreciated! I hope to continue to be of assistance to you in the years to come.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I had retired and needed advice on how to invest my pension incomes and lump sums

How has Natalia Lingiah helped you?

Professional advice on investing and reviewing progress and changes to the plan where needed

Have you seen the outcome you were hoping for?

There have been many negative impacts on the market but our core investment have risen steadily

What could they have done better?

All ok

Natalia's reply

Thank you Bob, it's great to hear that our advice has helped you to retire with peace of mind. I look forward to assisting you in the years to come.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

My wife and I had pensions all over the place as well as cash invested in multiple accounts. Most importantly we needed help to plan for retirement.

How has Natalia Lingiah helped you?

Natalia took the time to know us and what we are like as people and what is important to us such as quite risk adverse, low pressure people.

Have you seen the outcome you were hoping for?

Very much so, even better than what we hoped for. Very Happy.

What could they have done better?

We are very happy with the service, advice and actions Natalia does on our behalf and wouldn't want to change anything as we know that Natalia is just a call away.

Natalia's reply

Thank you so much for your kind words Marcus! I look forward to continuing to support you both on your life journey.

Review from verified client

September, 2023

Overall

Value

Service

Advice

Based in Cornwall

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

Pension planning associated with moving employers

How has Natalia Lingiah helped you?

She has supported a pension transfer and further consolidation into a managed fund, supported drawdown planning and assisted with related tax planning

Have you seen the outcome you were hoping for?

Over the years that we have had Natalia's advice we have been able to plan ahead for a significant career change involving a better work life balance and have the security of sound pension planning for the years ahead.

What could they have done better?

Natalia has been proactive in managing an annual cycle of reviews and planning as well as supported key events as and when necessary.

Natalia's reply

Thank you Graham for your review, it's very much appreciated! I hope to continue to be of assistance to you in the years to come.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Worcestershire

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

We looked for a new advisor due to poor service and advice given by last advisor

How has Natalia Lingiah helped you?

Her advice is invaluable.

Have you seen the outcome you were hoping for?

Definately

What could they have done better?

Nothing

Natalia's reply

Thank you so much for your review! I hope to continue helping you with your financial planning needs into the future.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Devon

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

Early retirement

How has Natalia Lingiah helped you?

Financially Plan my retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Great advice

Natalia's reply

Thank you so much for your kind words Dave! I look forward to continuing to support you on your retirement journey.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

We had money which we needed to invest once we had retired

How has Natalia Lingiah helped you?

With sound , friendly and accurate advice and handling our investments .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing -I have complete confidence in Natalia .

Natalia's reply

Thank you so much for your kind words Jo! I look forward to continuing to support you on your retirement journey.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I needed one to transfer my final salary pension to a personal pension (non-final salary).

How has Natalia Lingiah helped you?

Natalia is always there to advise me on the best way to finance my retirement, taking into account issues such as inheritance tax.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't think of anything.

Natalia's reply

I am very grateful Ian that you took the time to leave a review of my retirement advice services. It's great to hear that my advice has helped you in planning for your retirement.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Warwickshire

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

I sought the advice from Natalia due to bereavement of my husband

How has Natalia Lingiah helped you?

Yes

Have you seen the outcome you were hoping for?

I believe so but covid has had a big impact on things

What could they have done better?

N/A

Natalia's reply

Thank you so much Diane for taking the time to leave a review of my financial advice services. Your kind words mean a lot to me and I'm really grateful for your support!

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I was looking to transfer a pension

How has Natalia Lingiah helped you?

She went through everything, outlining all the relevant areas for consideration, was easy to understand.

Have you seen the outcome you were hoping for?

yes I'm happy with the outcome

What could they have done better?

nothing

Natalia's reply

Thank you for leaving such a great review of my services, it is very much appreciated! I look forward to continuing to assist you throughout your retirement years.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Early retirement

How has Natalia Lingiah helped you?

She broke down all my options and advised on the best one with no pressure

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Natalia's reply

Thank you very much for your kind words, I hope you'll continue to enjoy your retirement and spending precious time with your family.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I was approaching retirement and wanted confirmation that we had sufficient funds for a comfortable retirement.

How has Natalia Lingiah helped you?

She provided me with cash flows that convinced me that I could actually retire early. She has also advised on selecting appropriate funds within my pension and advised both my wife and myself on financial planning and managing our savings and investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Natalia's reply

Thank you Gary, it's great to hear that our advice has helped you to retire with peace of mind.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Staffordshire

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

Retirement and Pension Transfer

How has Natalia Lingiah helped you?

Sound Advice and looking after my Interests

Have you seen the outcome you were hoping for?

YES exactly what I wanted

What could they have done better?

Nothing

Natalia's reply

Thank you very much for your positive review! I do hope you continue to enjoy your retirement.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Worcestershire

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

Early Retirement

How has Natalia Lingiah helped you?

She has given us excellent advice, support and has offered us reassurance . She is always quick to respond to any questions we may have whether via email or phone conversation. Natalia offers yearly reviews and is very professional and friendly.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We don’t think there is anything that could be improved on .

Natalia's reply

Really appreciate your kind words Andy! Look forward to continuing to help you to make the most of your financial resources in your retirement.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Warwickshire

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

I was recommended to do so by my solicitor

How has Natalia Lingiah helped you?

In every way that I have needed, as far as I am aware.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Natalia's reply

Many thanks for leaving such a positive review of my services! I always enjoy our meetings and conversations. Hope you have a lovely summer!

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Need for long-term planning

How has Natalia Lingiah helped you?

looking at my long-term needs and my need for planning for retirement

Have you seen the outcome you were hoping for?

Yes I feel that I have considered things for future planning

What could they have done better?

I feel that I could have done more in terms of research, etc.

Natalia's reply

Thank you for taking the time to leave a review - it is very much appreciated! You are on track for your retirement goals and I look forward to continuing to assist you with your plans.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Taking my pension for my Retirement

How has Natalia Lingiah helped you?

Worked to transfer my pension and allow me to retire early and gave me reassurances on all my options

Have you seen the outcome you were hoping for?

Yes my pension has grown specially in these volatile times

What could they have done better?

There is nothing I could say that they needs to do better

Natalia's reply

Thank you Clyde! I am so glad to see you enjoying your retirement and having the financial freedom to do it so early.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Investment of pension lump sum

How has Natalia Lingiah helped you?

5 years+

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Natalia's reply

Many thanks for the kind feedback Elaine! I look forward to continuing to help with your financial plans and goals through your retirement years.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I needed advice to transfer my pension to a suitable pension drawdown provider.

How has Natalia Lingiah helped you?

Natalia puts forward various options but is never pushy. I have always felt that I can say yes or no to what is offered on my yearly review.

Have you seen the outcome you were hoping for?

Yes, It enabled me to take a lump some and is performing quite well, allowing me to take a regular drawdown amount.

What could they have done better?

I honestly can’t see how my finances could have fared better…..unless I obviously decided to go for more risk.

Natalia's reply

I really appreciate your kind words Michael! It's always a pleasure to speak to you and help to review your finances and plans.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Natalia

Responded promptly to our enquiry and we had an informative initial meeting via Zoom. Very professional and clear about approach, procedure and fees.

Review from verified client

January, 2022

Overall

Advice

Value

Service

Based in West Midlands

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

Retirement is fast approaching, I have children about to go to university, and I may be about to come into a substantial inheritance.

How has Natalia Lingiah helped you?

Natalia gathered information about my financial situation and gave useful advice on the key areas to focus on over the next five years. She was confident that I could handle my own (relatively modest) financial affairs and said she would be be happy to advise if larger sums were involved later on.

Have you seen the outcome you were hoping for?

I expect to.

What could they have done better?

N/A

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Transferring of a workplace pension to a drawdown pension

How has Natalia Lingiah helped you?

Natalia gave precise and understandable options as to various types of pension and drawdown options available.

Have you seen the outcome you were hoping for?

Yes, and this has given me the ability to get necessary maintenance work done on my home and the ability to plan at an earlier age as to access and planning of my money.

What could they have done better?

As I’m quite limited in my knowledge in regards to pensions, I can only say that I feel confident and assured with the service that I’ve received.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

I wanted advice on Pensions and retirement planning

How has Natalia Lingiah helped you?

She looked at all my finances and pension policies and discussed my plans for the future and then gave me advise on what my options were, so I was fully informed to make a decision.

Have you seen the outcome you were hoping for?

Yes, I feel my Pension is being invested well to provide me with retirement income when required.

What could they have done better?

I can't think of anything to add

Review from verified client

December, 2020

Overall

Value

Service

Advice

Based in West Yorkshire

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

Approaching retirement with existing savings, investments and pension pots performing badly. I was specifically looking for someone who understood the specific financial issues that women face.

How has Natalia Lingiah helped you?

Natalia took a holistic approach to my whole financial situation in relation to my lifestyle and what I wanted for the future. She produced a year by year projection of my future income and outgoings though into old age so that I could see what income I would need to maintain the lifestyle I wanted. She advised me on moving my money into investments that would maximise returns whilst matching my cautious attitude to risk. I have an annual review with Natalia which has been really helpful as my circumstances have changed.

Have you seen the outcome you were hoping for?

Definitely....and some. The outcome has been far better than I had imagined was possible.

What could they have done better?

I can't think of anything that Natalia could have done to make the experience any better.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Being within 6 years of retirement and wanting to make the best use of funds

How has Natalia Lingiah helped you?

Understanding the choices to be made, understanding my needs and options, and how the investment sector works

Have you seen the outcome you were hoping for?

yes

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

Needed to review my investments and plan for retirement

How has Natalia Lingiah helped you?

Natalia recommended appropriate investments for my circumstances and preferred risk level.

Have you seen the outcome you were hoping for?

Yes definitely.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

I was looking to retire at age 56, taking some of my tax free pot, followed by income drawdown. I was unhappy with my previous adviser (who was allocated to me via my employer) as he was providing poor service and unclear advice. My partner recommended Natalia, as she was advising him and he was impressed with her.

How has Natalia Lingiah helped you?

Natalia has given me very clear and helpful advice, in connection with my drawdown pension and also regarding a final salary scheme from a previous employment. She very quickly arranged our initial meeting and I have had regular reviews ever since. Whatever action is required following those reviews is carried out promptly and efficiently, and Natalia ensures that I am kept fully informed along the way.

Have you seen the outcome you were hoping for?

Natalia has far exceeded my expectations. My pension pots are relatively small, yet she always takes the time to talk me through each review thoroughly and to ensure that I have understood all the points we have discussed. I think you can tell by gut feeling when someone honestly has your best interests at heart, and it's comforting to know that Natalia has "got my back".

What could they have done better?

I honestly can't think of anything.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Warwickshire

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

Need to consolidate investments after bereavement & produce future income

How has Natalia Lingiah helped you?

Helped to see overall picture & long term view. She spent plenty of time with me building up a good relationship between us

Have you seen the outcome you were hoping for?

Yes so far

What could they have done better?

All has been very good

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

Retired early and needed to invest to generate income and protect capital value. Also needed advice on what to do with 2 pensions.

How has Natalia Lingiah helped you?

Provided sound advice and identified the right investment vehicles for my goals.

Have you seen the outcome you were hoping for?

So far the outcomes have been good with very good returns

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Warwickshire

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

I wanted to optimise my savings etc to ensure they at least retained their relative value over time.

How has Natalia Lingiah helped you?

She helped me establish my attitude to risk and pointed to the most suitable investments to make. These have been reviewed regularly over some ten years, with changes explained, recommended and made along the way.

Have you seen the outcome you were hoping for?

Yes. I have been very satisfied with the outcome to date and have every confidence that, with Natalia's continued involvement, my interests will be very well served.

What could they have done better?

I am more than happy with everything Natalia has done and therefore have no further comment to make here.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Worcestershire

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

Approaching early retirement and needed advice regarding pension options mainly

How has Natalia Lingiah helped you?

Shared various options available in a clear way. Helped us understand our needs and wishes more clearly . She was very calm and patient with explanations when we found something difficult to understand at times . Always responds very quickly to emails when we need to ask a question. Very friendly and feel we can trust her 100%.

Have you seen the outcome you were hoping for?

Yes pleased with option we followed

What could they have done better?

Can’t think of anything different that would have been better

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Shropshire

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

We were semi-retired and were seeking advice on pensions and investments. We wanted an advisor with an excellent reputation and track record and found Natalia via the vouchedfor website.

How has Natalia Lingiah helped you?

We have been clients of Natalia Lingiah for five years. She began by reviewing our long-term requirements, and provided clear advice on how we could invest our pension funds and other savings to provide financial security. We have never regretted following this advice. In subsequent annual reviews, she always takes care to understand our circumstances and needs and makes clear recommendations on how to achieve our aims. She has also provided advice on other occasions, and always responds quickly and carefully to one-off queries by phone or email.

Have you seen the outcome you were hoping for?

Yes. We have seen our investments grow and have a very clear idea of what we can afford to do. We've been able to make gifts to our children and improve our home, confident that our own finances are in very good order for the years ahead.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Natalia

Not useful

Natalia's reply

Thank you for your feedback Paul. I’m sorry that we were unable to offer you a consultation on this occasion. As discussed over the phone, we operate our pension transfer advice service under very strict guidelines and, unfortunately, after discussing your requirements over the phone, we established that we would be unable to assist you. I did clearly explain the reasons why this was the case and offered you a further free discussion for further guidance at a later date, should your circumstance change. Our approach is to be open and straightforward with our clients and we always prefer to under-promise and over-deliver rather than the other way around. Kind Regards, Natalia.

First impression from a user who is not yet a client

August, 2019

Overall

Please provide a brief comment about your experience with Natalia

Natalia provided an excellent service. Before our first meeting, I had a pretty clear idea of what I wanted to achieve to allow me to take early retirement - Natalia listened carefully, came back with further considerations, and helped me to achieve a better position than my initial expectations. The free initial consultation went on much longer than I anticipated but I never felt under any time pressure and all follow up questions were answered clearly and quickly. I have no hesitation in recommending her for pensions advice.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in West Midlands

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

We were reviewing our financial situation and pensions and very quickly realised that we needed help.

How has Natalia Lingiah helped you?

We did long term financial planning, reviewed investments and consolidated pensions.

Have you seen the outcome you were hoping for?

Yes although this is a long term investment for us.

What could they have done better?

Really in our case, nothing, Natalia covered all of the bases and really is helpful and spends time building a relationship.

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with Natalia

Very very good. Natalia was well prepared and had clearly done her homework beforehand. She is knowledgeable, balanced and ethical. I will definitely recommend her to people I know.

First impression from a user who is not yet a client

February, 2019

Overall

Please provide a brief comment about your experience with Natalia

Good communication before meeting. Took time to understand our rather vague requirements.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in West Midlands

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

Entering retirement.

How has Natalia Lingiah helped you?

Develop a financial plan for the short and long term.

Have you seen the outcome you were hoping for?

So far the process has given more clarity to my financial plans for the future.

What could they have done better?

I have no concerns or points where the process could have been better.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in West Midlands

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

Transfer of pension fund.

How has Natalia Lingiah helped you?

Managing pension fund into private investment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I could seriously suggest.

First impression from a user who is not yet a client

March, 2018

Overall

Please provide a brief comment about your experience with Natalia

Natalia contacted us promptly and we met within one week. She was very easy to talk to and explored our needs and current financial circumstances. We are now awaiting her investigations and initial recommendadtions on investments and pension planning.

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Natalia

I considered asking Natalia to advise me about a financial matter because of her very highly qualified background in financial advise . I spoke to her on the phone and she was very polite and helpful and explained how she could help . I then decided to ask a different advisor because a very good friend of mine recommended her just after my chat to Natalia. This is my only reason for not taking advice from Natalia.

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Natalia

Very informative and transparent. Up front with fees and explained what volatility of marked may impact. Very flexible and accommodating with meetings.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in West Midlands

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

Annual review following transfer from Defined Benefit pension scheme to assess performance of investments and to decide future strategy.

How has Natalia Lingiah helped you?

Fully explained and assessed the performance of the individual holdings and made recommendations regarding future strategy.

Have you seen the outcome you were hoping for?

Yes - overall performance of holdings exceeded expectations.

What could they have done better?

Nothing - Natalia was fully prepared for the review.

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Natalia

Informative, proffessional and friendly.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Natalia

Professional, informative and personable. Gave unbiased information and advice without being "pushy".

Review from verified client

April, 2017

Overall

Advice

Service

Value

Based in West Midlands

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

Being one of the women who was born in the 50’s, and caught by the increase in state pension age, I really wanted to retire, but didn’t know whether I could afford to.

How has Natalia Lingiah helped you?

Firstly, she listened. She looked at our existing financial circumstances, and advised on potential next steps. I was very nervous about trusting someone with our finances, but Natalia explained everything very carefully, ensuring that we understood.

Have you seen the outcome you were hoping for?

I am now retired, as Natalia arranged for my private pension to be transferred to another provider, and for an annual drawdown. We took Natalia’s advice on consolidating our savings, which have performed well. We have an annual review, but can (and have!) contact her with any queries that arise during the year.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in West Midlands

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

My old financial advisor had not given any advice nor investment advice to me despite asking for the same - this was a large well know financial advisor group.

How has Natalia Lingiah helped you?

She has thoroughly reviewed my pension pot and advised on a change of provider as well as spreading my investments on both my personal pension pot and my company stakeholder pension pot.

Have you seen the outcome you were hoping for?

Yes I have had a substantial growth in my pension fund, not achieved by the previous large financial institution in 10 years.

What could they have done better?

Regarding Natalia she has met all my expectations and delivered as promised.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Oxfordshire

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

I was approaching retirement and was concerned that I wouldn't have the income I needed to have the quality of life I wanted. I also had a couple of financial products that had performed very badly over a long period of time and wanted advise about whether or not to cash them in. I was looking for someone who would do more than just advise me on investment products, but who would take a holistic approach to my financial future.

How has Natalia Lingiah helped you?

Natalia did a lifetime cash flow for me which was really useful. It enabled me to see what my income and expenditure would be each year for the rest of my life, based on the lifestyle I wanted. She also reviewed all my financial products and savings, assessed my attitude to risk and advised me on which existing products to cash in and which to keep. She then set me up with new investment products which I can be confident in. I have also signed up to have an annual financial review with Natalia.

Have you seen the outcome you were hoping for?

Yes, absolutely. I have cashed in my financial products that had been performing badly, consolidated my savings and now have an investment portfolio that I can feel confident in for the future.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Midlands

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

To re invest my pension pot from JLR.

How has Natalia Lingiah helped you?

With sound advise and calm confidance.

Have you seen the outcome you were hoping for?

So far,all monies transfired,and access to view on line anytime.

What could they have done better?

Nothing,Natalia met all our requirements with this process

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in West Midlands

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

I was made redundant after a long period of service.

How has Natalia Lingiah helped you?

Natalia helped me assess my risk appetite for investment and was helpful in guiding me to the type of portfolio that suits my needs long- term.She is happy to go over things if I need more explanation and I feel confident that I can ask anything. It helps that she is a woman and is not patronizing or condescending!.

Have you seen the outcome you were hoping for?

I have been given well- rounded advice and an overall review of trends in performance, depending on market conditions; I have seen my investments out- perform predictions so far and a very good return over the last few years. where particular investments do not do ell, these are quickly shifted on best advice.

What could they have done better?

Nothing springs to mind and I think having regular 6 month review means I feel in touch with Natalia and also she is always available by email and phone !

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

I wished to transfer three occupational pensions into my personal pension. Due to the fairly large value of each of the funds it was mandatory that I took advice from an IFA on each of them.

How has Natalia Lingiah helped you?

Natalia met with me on several occasions to understand my personal financial circumstances, provide her opinion on transferring each based on the transfer offer and her assessments, and finally to arrange the transfer of funds into my personal pension. I am fairly well versed in pensions so understood the process in advance of these consultations. However she was very thorough in her questioning and did mange to draw out some important considerations. In particular she advised me that the result of the Brexit referendum had caused changes to gilt yields and hence to pension fund valuations. From this insight I requested a re-quote for one of the transfers and received an increased offer of nearly 11%. I have agreed that the IFA will manage the investments of one of the transferred pensions and I will monitor the performance of this against the other two, which are presently invested in the PruFund. Nataliah is also presently advising me on a complaint concerning an Option 32 pension that I think was mis-sold and negligently managed. This is on a fee basis of no win - no fee and is in the early stages.

Have you seen the outcome you were hoping for?

Natalia's advice was clear and well documented. This reinforced my conviction that I was taking the right course for my circumstances. I am very satisfied with the outcome.

What could they have done better?

Because of the large sums involved in the three transfers I requested a discount on the fees. I was a little disappointed in the discount achieved, though to expedite the transfers I accepted what was offered.

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Natalia

I found Natalia to be thorough, professional and very informative. She was clear in her answers to my questions and provided some very useful and productive information. I would have no hesitation in recommending her.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in West Midlands

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

I was made aware that I could take out 25% or the full amount from a pension pot of which I hadn't paid into for 20 years. After contacting the pension company, I found out that there was considerably more in the pot than I had envisaged. However, as it was a final salary pension, I was told by the pension company that it was not possible to access any of the fund until the stated retirement age which was 65. I asked if it was possible to access the money by transferring the pot to another pension provider and was told that it might be possible but a financial Advisor would have to give advice and sort it for me as the pot was above a certain amount.

How has Natalia Lingiah helped you?

Being a cautious person and wary of being scammed in any way, I decided to check out numerous advisors online. I was impressed by Natalia's profile, qualifications and reviews so I decided to give her a call. I explained the situation to Natalia and asked about certain points and amounts on the pension statement as I was unsure that the sum stated was what I was entitled to. After spending time and patience with me on the phone call, Natalia arranged for me to meet her the following week at the Birmingham office for a free consultation. Everything was explained to me in a way that a non financial person would understand. I explained my health problems and lifestyle to Natalia and was told that my pot could be transferred to a drawdown pension, with up to 25% of the amount being taken out at 55 and a regular pension amount ( of my choosing ) taken out from then on. After taking all the information and future fees on board, I asked Natalia to go ahead with the transfer. The second meeting with Natalia was to discuss the new proposed pension scheme, explaining every thing in detail. I like to get all of the answers to my questions for self assurance reasons and was happy with everything that was explained to me. I went with my gut instinct to initially contact Natalia and wasn't disappointed. Natalia is a warm, calm and Knowledgable person, willing to listen to all concerns given and put a plan into place that will suit your needs.

Have you seen the outcome you were hoping for?

I have contacted Natalia a couple of times since the transfer was completed for assurance on a couple of issues. A speedy reply was received with everything explained with no rush. During one of these calls, Natalia gave me an update for the net profits gained on my pension pot. The results so far have far outweighed my expectations and confirmed my faith in picking Natalia.

First impression from a user who is not yet a client

April, 2016

Overall

Please provide a brief comment about your experience with Natalia

It was just our first meeting but I was impressed Was easy to talk to and alway's ready to listen Looking forward to our next meeting Can not answer some of your questions as it is At a early stage

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in West Midlands

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

Options for Pension Transfer or Annuity.

How has Natalia Lingiah helped you?

Examined the two alternatives and provided a relative analysis together with some benchmarks of historical and expected performance.

Have you seen the outcome you were hoping for?

The outcome was clear and well explained, the service was prompt and professional with telephone, email and meetings arranged to meet our requirments.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Natalia

Have only had initial 1 hour meeting so far but happy with discussions and moving to next stage.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Shropshire

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

We were considering retirement, or semi-retirement, and wanted advice on lifetime financial planning and investments. Specifically we wanted advice on whether or not to drawn down a pension pot.

How has Natalia Lingiah helped you?

Natalia took care to understand our requirements, and helped us to see clearly how our pensions, savings and investments could fund our plans for the years ahead. She explained clearly what the options were for our pension pot, and gave us very clear advice based on our current needs. Natalia also provided advice on the funds in our overall savings investment portfolio, recommended a number of changes (reflecting our approach to risk) and, where appropriate, arranged these on our behalf. She has provided clear information on the performance of our investments, and answered any questions promptly and clearly.

Have you seen the outcome you were hoping for?

We decided to continue working part time, drawing on occupational pensions but leaving our main pension pot invested for the time being. We have also been able continue saving, and have a very diverse portfolio of savings and investments. This meets our present needs very well and gives us plenty of flexibility for the future, which we face with confidence. We were anxious at news reports of global share prices falling in Autumn 2015. As it happened, we had already arranged a meeting with Natalia, so she was able to update and advise us which we found helpful. Despite the stock market falls, our investments had performed significantly better than the average in recent months.

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Natalia

Natalia was the epitome of professionalism and really good at listening to the situation. Whether we proceed with her suggestions has been left to us without any sales pressure. I highly recommend her to anyone who is serious about their finances.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in West Midlands

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

Continued yearly review.

How has Natalia Lingiah helped you?

Discussed and reviewed pension portfolio , discussed risk and and suggested changes for increased returns compared to risk levels.

Have you seen the outcome you were hoping for?

Having Natalia as my adviser for 6 years outcomes have been positive and have performed extremely well .

What could they have done better?

No additional improvements on this years review could be expected.

First impression from a user who is not yet a client

August, 2015

Overall

Please provide a brief comment about your experience with Natalia

Professional and organised

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in West Midlands

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

I was looking for sipps.

How has Natalia Lingiah helped you?

she could appreciate the reasons for the SIPPS, unlike other financial advisers. when we did the math. she was informative, patient and clear, no jargon or boring stats!.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

carry on the good work

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in West Midlands

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

After downsizing our house long after retirement and releasing significant capital we sought help to make our finances more systematic and easier for ourselves and our family to understand.

How has Natalia Lingiah helped you?

We found her very easy to talk to and she explain matters to us clearly.

Have you seen the outcome you were hoping for?

The reorganization she provided is what we hoped for and in its first year has performed very well. She alerted us to various opportunities we had overlooked.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in West Midlands

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

Approaching retirement.

How has Natalia Lingiah helped you?

The overall investment planning was excellent, especially the lifetime cash flow forecast which has helped us to gain a real sense of clarity and confidence when making some very important financial decisions.

Have you seen the outcome you were hoping for?

We are far less anxious now about our future and trust her advice completely - which hasn't always been our experience of dealing with financial advisors in the past. Natalia's approach is very professional and transparent and we've found her fees to be very reasonable for the expertise and advice provided.

What could they have done better?

Nothing springs to mind, we are very happy with everything that has been done for us.

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Natalia

Very quick to understand my situation, clear and sensible advice.

First impression from a user who is not yet a client

May, 2015

Overall

Please provide a brief comment about your experience with Natalia

it was a simple enquiry about pensions, we spoke over the phone only twice but Natalia was very professional and polite, I did however request an e-mail detailing exact charges for any services that may have been provided had I decided to proceed which didn't arrive but apart from that I was pleased overall

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

Natalia’s advice and guidance has been absolutely invaluable for our retirement planning. We not only have much greater clarity over our finances and future, but we’ve also saved a lot of tax in the process. We would definitely recommend Natalia’s services – she listens well and we feel in very safe hands.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in London

How has Natalia Lingiah helped you?

Seeking independent financial advice I identified Natalia online in 2013 and have been delighted with the service she has provided. She is extremely knowledgeable and approachable, and always explains any advice clearly and concisely. Natalia continues to act as my financial adviser and excels in the role. She is extremely prompt in answering any questions or queries I have and provides logical, complete and concise advice. Having been so please with the advice I have received from Natalia, I have recommended her expertise to both friends and family members and will continue to do so.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Warwickshire

How has Natalia Lingiah helped you?

I would definitely vouch for Natalia, I think she is very understanding and listens well. She also can relate to the problems women face when looking at their financial situation, she anticipates the questions and situations that you might ask about in regards to the future. She is also very thorough. A fresh look at your situation will always help, at least every few years and it was worth the money as it clarifies what you should or could do.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Gloucestershire

How has Natalia Lingiah helped you?

My FA is helpful available and explains things I don't understand. She is always very pleasant and punctual.

First impression from a user who is not yet a client

March, 2015

Overall

Please provide a brief comment about your experience with Natalia

Very helpful and clear advice. Honest and up front about any charges. Would recommend to friends and family.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

Natalia explains her proposals and the investment situation clearly. She appears on top of market information and my portfolio of investments. She is efficient and to the point but is also very personable so it is always a pleasure to see her. Finally I would say that my portfolio has done well under her care which is a good outcome and that she is prepared to be flexible when necessary.

What could they have done better?

Perhaps at strategic moments a bit more detailed explanations of proposals.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Worcestershire

How has Natalia Lingiah helped you?

I knew that I needed to make changes to my portfolio. I wanted to proceed with caution because I suspected that I may have previously been badly advised. I looked on the 'vouchedfor' website and chose Natalia from the list of Financial Advisors for my area. During our meetings, Natalia listened patiently to my concerns, quickly knew the relevant questions to ask and was able to evaluate both my current situation and my future needs appropriately. She clearly and carefully explained her recommendation, the fees and charges incurred and the risks involved. In short she restored my trust. Twelve months on, I have a healthy portfolio and have been compensated for previous losses. We have set up annual reviews and I feel confident and relaxed that I am receiving a trustworthy and valuable service. I would recommend Natalia for her professionalism, her expertise, her fastidious attention to detail and her calm manner. Celia, Worcestershire

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

Natalia has given us a range of very helpful advice. She is very professional and not at all "salesy". She demonstrated a thorough knowledge of all the options available to us, and was therefore able to recommend the perfect solutions for us. She was willing to visit us at home at the weekend due to work commitments we have during the week, which was really helpful. Overall, we're absolutely delighted with the service and recommendations provided, and I would strongly recommend Natalia.

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Natalia

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Natalia

friendly, professional and gave advice on how to investigate certain aspects prior to setting up an investment plan. we felt confident in her abilities and expertise in advising us. lovely, patient manner when explaining things.

First impression from a user who is not yet a client

November, 2014

Overall

Please provide a brief comment about your experience with Natalia

Natalia is obviously very knowledgeable, and has a real enthusiasm for personal finance. She also has a very personal touch which reassures you that she has your best interests at heart.

First impression from a user who is not yet a client

September, 2014

Overall

Please provide a brief comment about your experience with Natalia

Excellent! We approached Natalia for advice on retirement planning and pensions. She took great care to understand our needs and provided clear, well considered and timely advice. Natalia is a very good communicator, both verbally and in writing. She expl

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Natalia

The focus was very much about stocks and shares - this is what most advisors do but- I was looking for much broader information thought the initial fee was too high compared with others.

Natalia's reply

Thank you for your feedback. I recall that we had an initial discussion on the phone for about 20 minutes, as you did not wish to meet in person for an hour at that stage. From the brief circumstances provided, I sought to address your main concern and discussed one potential solution and also provided a rough estimate of fees involved. I apologise if this created an impression of only discussing stocks and shares, however, with a full meeting we would have the time to explore a number of other options available. We provide holistic advice to all of our clients, which touches on all areas of someone's finances, goals and lifestyle, so given the opportunity of a meeting - a much broader discussion would have taken place. Other advisors may have had other ideas and/or looked at different investment amounts thus this might not be a like-for-like comparison on fees. We find that our fees are very competitive for the quality of the expertise and services that we provide, hence, the quality of reviews received to date. Having said this, we are constantly seeking to improve and your feedback will be considered for any future initial telephone consultations. With Thanks, Natalia

First impression from a user who is not yet a client

June, 2014

Overall

Please provide a brief comment about your experience with Natalia

Natalie referred me to her colleague as she admitted my queries were not her speciality. Saved much time wasting which I appreciated Thank you

First impression from a user who is not yet a client

February, 2014

Overall

Please provide a brief comment about your experience with Natalia

Natalia was knowledgeable, straightforward and committed to finding the best solution for my particular financial circumstances. At no time did I feel that she was putting her interests, or those of her firm, ahead of mine.

First impression from a user who is not yet a client

January, 2014

Overall

Please provide a brief comment about your experience with Natalia

Natalia showed a good understanding of the field and spoke in terms I could understand. My grasp of financial matters is not great and Natalia was patient and professional.

First impression from a user who is not yet a client

December, 2013

Overall

Please provide a brief comment about your experience with Natalia

Very personable, very responsive to our wishes, very clear.

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in Worcestershire

How has Natalia Lingiah helped you?

We were previously advised by St James Place for a number of years and grew unhappy with their lack of service and high charges (often hidden). We were recommended Natalia by friends and she has been fantastic from day 1 - we're so pleased that we made the switch. The performance of our investments has improved significantly and so has the quality of our meetings and general peace of mind. She has taken a lot of time to understand our needs and circumstances and we feel a much stronger connection than we ever did previously. We really are so very happy with our decision to appoint Natalia and would recommend her without hesitation to any one looking for a financial advisor with high integrity and for someone who really cares about their client's financial well-being.

What could they have done better?

Really can't think of anything here - we are 100% satisfied!!

First impression from a user who is not yet a client

November, 2013

Overall

Please provide a brief comment about your experience with Natalia

First impression from a user who is not yet a client

August, 2013

Overall

Please provide a brief comment about your experience with Natalia

From my first meeting with Natalia I was really impressed with her professional yet friendly manner. She has a great understanding of the market and was very good at explaining all my different options in a way that I could understand. I really feel I c

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

Natalia went out of her way to provide advice on all aspects of our finances. She explained the details of various products very patiently, thoroughly and clearly. We were very impressed with Natalia's knowledge and ability to recall the details of our investments and policies when in discussion with her. Natalia was very easy to talk to and after acting on her advice gave us peace of mind that our finances were in good order. We would have no hesitation in recommending her.

First impression from a user who is not yet a client

May, 2013

Overall

Please provide a brief comment about your experience with Natalia

Charming and knowledgeable spent around two hours at my home despite this technically being just a one hour initial chat - no time pressure was applied and I was left with a much clearer view of my position / options

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Warwickshire

How has Natalia Lingiah helped you?

I first met Natalia just before reaching my retirement age. At once, I found her to be a very pleasant and approachable person. She is a good listener and took time to understand my lifeÂ’s ambitions, not just my financial goals. After a thorough examination of my attitude to risk, which she explained in a very understandable manner, she formulated an investment plan for me to consider. At no time did I feel under any pressure to accept her recommendations. She is an extremely caring, professional person and I would recommend her to anyone without hesitation.

Review from verified client

February, 2013

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

Absolutely first-class advice and service - appointing Natalia as our financial adviser has been one of the best decisions my wife and I have ever made! She spent a great deal of time to understand our situation and really listened to our needs.

Review from verified client

February, 2013

Overall

Advice

Service

Value

Based in Worcestershire

How has Natalia Lingiah helped you?

Every dealing we've had with Natasha has been with my best interests at heart. Amazingly informed, we we treated as our finances were her finances

Review from verified client

January, 2013

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

I have received a competent and professional service in every respect.

What could they have done better?

I am completely satisfied with the service/advice I have received to date.

Review from verified client

June, 2012

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

After a bad experience with other advisers it was a great relief to now have an adviser that I felt I could trust. Natalia very quicjkly weighed up the position and suggested app0lying for conmpensation - something which I always felt was due but I didn't know how to go about applying for it. This is now in hand with ythe Financil Ombudsman looking into my case. Natalia wastes no time - very quickly assesses the position and sets in motion a plan of asction. I shall always be pleased to rely on her adevice. At 81 I need an assured income and to know my investments are in the best possible place I am very happy to vouch for Natalia

Review from verified client

June, 2012

Overall

Advice

Service

Value

Based in West Midlands

How has Natalia Lingiah helped you?

Natalia is a very approachable, lovely person, easy to talk to and explains matters in clear, easy to understand terms. She is very efficient and very thorough and I would happily use her services again and recommend her to others. She sorted through a number of pension plans for me and ensured that an old, poorly performing occupational pension plan that was moved to a more profitable plan that was more suitable for my needs.