Reviewed for

Insurance and Protection ( 6 )

Mortgages ( 10 )

Pensions ( 29 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 5 )

Investments and Savings ( 28 )

Pension Transfers - Non Specialist ( 1 )

Inheritance Planning ( 2 )

Pension Transfers - Specialist ( 3 )

Reviewers' assets

£500k+ ( 6 )

£200k - £500k ( 7 )

£100k - £200k ( 5 )

£50k - 100k ( 7 )

Up to £50k ( 7 )

( 1 )

Client reviews

First impression from a user who is not yet a client

March, 2024

Overall

Please provide a brief comment about your experience with Roger

Excellent knowledgable advice and went the extra mile to put me in contact with a solicitor for legal advice. Would highly recommend Roger. Thank you.

First impression from a user who is not yet a client

February, 2024

Overall

Please provide a brief comment about your experience with Roger

Knowledgable but for detail discussion and preparation of report very expensive £1500

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Roger

So far my experience has been good. We have arranged a first meeting next week after which I will bw in a better position to comment.

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Roger

Well explained. Very thorough and professional

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Roger

After the initial phone call chat I felt much more informed about my options & impressed with the knowledge & range of advice I was given.

Roger's reply

Thanks Katherine, appreciate you taking the time to leave some feedback. If you have any further questions, please do reach out. Thanks again, Roger

First impression from a user who is not yet a client

May, 2023

Overall

Please provide a brief comment about your experience with Roger

Hi Roger was very knowledgeable and explained everything to me very well

Roger's reply

Thanks Lorraine, I appreciate you taking the time to leave some feedback. I am glad you found our meeting useful, please do reach out with any further questions. Roger

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Roger

Roger was extremely helpful and clear and I would highly recommend him. He was very clear with his advice and explained things very well. I would definitely recommend getting in touch.

Roger's reply

Thanks Jenny, that is very kind of you. Have a lovely Christmas and catch up in 2023!

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Considering transferring out of a final salary pension scheme to allow earlier retirement.

How has Roger Milbourn helped you?

Took me clearly through the options following all the relevant guidance documentation, was independent and didn't seek to influence my decision. Roger pointed out that in many situations the final salary pension was the best option. For my particular circumstance (earlier retirement plus the backup of another smaller fixed pension) I decided to transfer out into a drawdown stocks and shares pension, Roger arranged the product and made the transfer simple. We have regular meetings where we review the investment strategy in relation to risk and Roger has produced cashflow forecasts covering retirement income/expenditure.

Have you seen the outcome you were hoping for?

Very much so, I'm happy with the projected returns compared to the final salary pension and that I am in control of my own pension, and accept the risks associated with the stock market where the returns cannot be guaranteed , unlike the final salary scheme.

What could they have done better?

I'm unfamiliar with dealing with these type of decisions (except for having a mortgage) but can't think of any areas that were not done well.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Warwickshire

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

As I approached retirement in 2018 I wanted some advice on the various pensions I held and, in particular, a reasonably sized fund I considered I did not need to access in the short term.

How has Roger Milbourn helped you?

On providing Roger with an indication of our immediate and anticipated future income requirements he assessed my various pensions and other savings. This not only supported the view that I would probably not need to access the fund for up to 10 years but there were benefits in making further contributions prior to my retirement date. Based upon his advice he has since handled moving the fund to an alternative provider where I am invested in 10 funds which meet my risk requirements. We continually monitor the portfolio and where it is felt individual funds are under-performing Roger has advised on alternatives and managed the changes we agree should be made. In addition to this my wife and I have an annual review with him where his analysis of past performance and advice going forward is explained with great clarity.

Have you seen the outcome you were hoping for?

Bearing in mind the effect on markets of Brexit and then Covid, it has undoubtedly been a turbulent 3 years since Roger first starting advising me. Having said that I was always looking at a 10 year plan and Roger, with the support of his colleagues at Aspirations, was very good at keeping in contact through the low points and setting out their thoughts on market trends and potential for recovery. During the last 12 months my fund has performed extremely well to the point that the current value exceeds the growth target I was hoping to achieve at this point.

What could they have done better?

Nothing. I cannot speak highly enough the quality of advice and service I have received from Roger.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I retired with a company pension that I wanted to transfer to a draw down pension.

How has Roger Milbourn helped you?

Roger transferred the funds to a suitable personal pension advisor and recommended an investment strategy that suited my requirement.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing in my opinion.

First impression from a user who is not yet a client

April, 2021

Overall

Please provide a brief comment about your experience with Roger

Most helpful and provided all the information and advice that I required and would highly recommend him

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Warwickshire

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

My salary had increased and I understood I would be impacted by the ‘income tax trap’ and so wish to do what I could to mitigate this. I therefore looked for a Pension advisor.

How has Roger Milbourn helped you?

Helped me understand my tax situation, how my pension operated and the options available for me to make the most of the various allowances.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

There is nothing I required to be better.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

I was within 5 years of a potential retirement date and needed to organise my finances accordingly.

How has Roger Milbourn helped you?

Roger has advised me consistently across this period .. helping to move my work pension into a SIPP and create a clear manageable plan and forecast for retirement.

Have you seen the outcome you were hoping for?

Yes my pension fund has grown consistently through the period.

What could they have done better?

Roger is an expert in the pensions industry and I am very happy with the level of service. Roger is responsive and helpful.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I needed advice on whether it was appropriate to transfer out of a DB Pension scheme and put the money into a more flexible pension plan.

How has Roger Milbourn helped you?

Roger advised me on all aspects of transferring out of a DB plan, the benefits, the pitfalls and the risks. He has been extremely helpful giving clear concise advice that is easy to understand. Roger advised using Scottish Widows retirement fund and after 3 years of transferring out I am happy with my decisions, I've paid of my mortgage using a tax free lump sum and have enough funds to retire early if I wish. Roger has guided me through that including tax advise and advise on my wife's pensions.

Have you seen the outcome you were hoping for?

Yes, I am getting the growth from my funds that I set out to do from day one, even in difficult market conditions.

What could they have done better?

Difficult to think about improvements Roger is really good and suits my needs at this point in my life.

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Roger

Well informed and useful information provided in an easy to understand way

First impression from a user who is not yet a client

November, 2018

Overall

Please provide a brief comment about your experience with Roger

He is professional, knowledgeable and takes time to understand our overall financial situation now, and in the future.

First impression from a user who is not yet a client

October, 2018

Overall

Please provide a brief comment about your experience with Roger

An honest no bullshit no pressure sort of guy. Just the type you need when planning your financial future.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Warwickshire

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

I was looking for advice on retirement planning, with possible consolidation of existing pension pots.

How has Roger Milbourn helped you?

Roger carefully and expertly considered my situation and expectations, and came up with a plan tailored precisely to my needs. I feel that he considered everything, and his friendly, open and honest approach has been very much appreciated.

Have you seen the outcome you were hoping for?

Yes, Roger has consolidated several of my pension pots, together with the establishment of a draw-down scheme. He has also provided advice on other matters. Roger handled everything with all providers, so I am very happy.

What could they have done better?

I really cannot think of anything. Roger has always been most attentive, and very efficient in moving things forward at a much quicker pace than I was expecting!

First impression from a user who is not yet a client

June, 2018

Overall

Please provide a brief comment about your experience with Roger

Excellent chap. Well turned out. Arrived 10 minutes late but had texted to apologise. Easy to talk to. Seemed knowledgable. I presented my financial state and then we discussed what might be some issues. Highlighted a number of routes forward.

First impression from a user who is not yet a client

April, 2018

Overall

Please provide a brief comment about your experience with Roger

Roger was very helpful and listened to my situation carefully. he then recommenced me a couple of actions and put me in touch with the relevant professional who could help me in the first instance, thank you!

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Roger

Roger was incredibly knowledgable and we felt confident and comfortable talking to him about our finances.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Worcestershire

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

Approaching retirement - wanted help with when we could afford to retire and how to use our pensions to best advantage.

How has Roger Milbourn helped you?

Roger approached our pension providers and worked hard to get all the necessary information from them. He then produced a report for us explaining the options and spent the time with us to make sure we understood everything.

Have you seen the outcome you were hoping for?

We haven't retired yet, but are a lot more confident that we know when we can and the best way to use our pensions.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Worcestershire

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

Retirement - and after meeting 5 IFAs I picked Roger. Roger was less pushy and less full of himself than others. He was quietly assured and considered in his responses, and importantly was a lot younger than me. So having interviewed them all, I chose to meet Roger's boss Eugene and was impressed by his common sense approach to investment, particularly regarding retirement.

How has Roger Milbourn helped you?

Roger investigated my civil service pension and a final salary pension from early in my career, and felt with the transfer of funds from an old Equitable Life pension too. He advised across a broad range of topics, focussing on pension investment and growth, inheritance planning and tax.

Have you seen the outcome you were hoping for?

Unfortunately for me, my retirement has coincided with market turbulence and Brexit and we decided to keep a high proportion of cash within the portfolio to avoid unnecessary losses due to the uncertainty. I have set a reasonably low target that I am confident will be hit over the initial 3 year period. Dependent upon this, I will discuss the longer term strategy with Roger and Eugene. So far I am happy with the advice provided and have introduced Roger to a couple of friends who he has contacted, one of whom has engaged Roger already.

What could they have done better?

Early doors for responding to this question, but so far engagement has been good with regular meetings and update briefings by email. I have suggested they use podcasts other than PowerPoint for communicating with their client base.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Warwickshire

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

Looking to cash in private pension.

How has Roger Milbourn helped you?

Quick to respond, very helpful advice and managed the whole process well.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Gloucestershire

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

I wanted to move my pension into a draw down fund.

How has Roger Milbourn helped you?

Roger found out the best providers for my needs and explained everything to me in a way I could understand.

Have you seen the outcome you were hoping for?

I have not seen the outcome yet but I know I will in time.

What could they have done better?

I don't think he could have done it much better he is doing what I wanted

Review from verified client

July, 2016

Overall

Value

Service

Advice

Based in Gloucestershire

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

Looking for long term help with my savings, investment and pension advice.

How has Roger Milbourn helped you?

Have set up a private pension and advice on my investments and have a stocks and shares portfolio managed by him.

Have you seen the outcome you were hoping for?

I have been bery happy. Roger is available whenever I need advice and am kept up to date. I am feeling much happier with my pension and investment portfolio.

What could they have done better?

I was new to managing my own finances so would be hard to say. Roger talked me through all possibilities for me.

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Roger

I have a meeting in 2 weeks and that is when you should be asking me my opinion

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Roger

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Roger

Telephone conversation to be followed in January by a consultation.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Gloucestershire

How has Roger Milbourn helped you?

Took the time to understand our detailed financial position over several visits and explained his methods of working in detail and was clear about the charges which seem reasonable. Sensible regular updates with a weekly info sheet through the Financial Themes website. Available when needed and responsive to requests. Has a good forecasting method based on what we judge to be sound mathematical and social principles which was the main reason we use his advice. Somewhat cautious in approach but better that than to be taking unnecessary risks.

What could they have done better?

No particular issues - a sound approach at all times in our judgement.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Monmouthshire

How has Roger Milbourn helped you?

Regularly informs us of our investment status and is proactive regarding re-investments to obtain a good return.

What could they have done better?

Not looking for any changes at this stage.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger has been very hands on with helping us to establish a balanced portfolio that balances our attitude to risk but will also build in a level of flexibility so we can access our investments in the event we change our strategy. I am very impressed with the level of service and I really believe that from the portofolio management service we have received to date, our money is being managed to gain maximum returns. We are in safe hands

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Warwickshire

How has Roger Milbourn helped you?

Roger spent an extraordinary amount of time understanding our position and our needs. He provided very helpful advice particularly on the pensions and investment options and helped us to come to a good understanding of the choices we faced. We feel very confident in the recommendations and have already seen significant benefits for our pension and tax planning.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Kent

How has Roger Milbourn helped you?

Roger has an expert understanding of pensions and applies his knowledge professionally. I am no longer a spectator; with his advice. I am able to understand my investment options and move my money around to suit fluctuations in the stock market.With RogerÂ’s advice, my pensions are performing better than they were in managed funds. We have regular one to one meetings and I am kept up to date with his recommendations on changes to the portfolio on a regular basis.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Roger Milbourn helped you?

Roger is a friendly, open and effective communicator. He understands my life situation perfectly, my goals, aspirations and risk profile, and his advice has proven to be sound and sensible.

What could they have done better?

Travel back in time and get my earlier self to be more responsible with money.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger has provided clear advice on personal pension and investment matters, cutting through the fog of complexity that often surrounds this aspect of financial planning. His speed of response and easy going manner greatly assist the decision making process.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Roger Milbourn helped you?

After some general advice I used roger to transfer some assets into a SIPP. He was excellent throughout the process.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Avon

How has Roger Milbourn helped you?

Roger provided an excellent analysis of my overall financial situation which helped me to focus properly on planning pensions and investments. He also provides excellent ongoing advice about my investments which he actively manages on my behalf. He keeps the performance constantly under review which marks him out as very different from the usual Financial Advisor.

What could they have done better?

No suggestions

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger holds a rare ability to communicate complex financial information and calculations in a way that is clear, understandable and even interesting to the average person. Only when making a life-defining decision with something as important as a pension, you rapidly understand how valuable an attribute this is. He has helped me feel in control of my financial future.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger is a positive and well measured professional. His approach is logical and always based on a solid understanding of the facts at hand. I have enjoyed working with Roger on several projects and would happily recommend him to others.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Worcestershire

How has Roger Milbourn helped you?

Makes sure you can understand everything that is happening and explains it all in plain english. Warns you of ups as well as downs. Keeps in touch on a regular basis

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Oxfordshire

How has Roger Milbourn helped you?

Very good communicator. Pitches at the right level for the client and avoids jargon. Responds in a timely manner. Follows up on any outstanding matters. Is not pushy and understands what is important to me as an individual.

What could they have done better?

There is nothing of great significance that Roger could do better. One small thing would be some follow-up regarding a clients ability to access/use the True Potential Platform.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Oxfordshire

How has Roger Milbourn helped you?

I contacted Roger 12 months ago hoping that he could help me fulfil my aspiration to take early retirement. This was a obviously a daunting step for me and Roger was excellent at making it clear what was possible and realistic to achieve with my assortment of pensions, etc. He has a friendly and considered manner and was able to explain my options in a way that was easy to understand. Having decided on a strategy to make it happen, Roger has done all the liaison and administrative stuff with my pension providers and has kept me up to date as things have progressed. It was all fairly complicated, however, I now feel very much in control of my financial planning with Roger's expertise guiding the way. I have now been retired for 6 months and everything is going as planned. Very happy!

Review from verified client

September, 2013

Overall

Advice

Service

Value

Based in Somerset

How has Roger Milbourn helped you?

Roger understood my situation perfectly and asked the correct questions so he could assist me further in managing my savings to beat the rate of inflation which was my main aim. He was well prepared when we had our meeting and all charges /fees were clearly explained along with comprehensive data and graphs shown which were easy to understand.

Review from verified client

September, 2013

Overall

Advice

Service

Value

Based in Avon

How has Roger Milbourn helped you?

After some general advice I used roger to transfer some assets into a SIPP. He was excellent throughout the process.

First impression from a user who is not yet a client

September, 2013

Overall

Please provide a brief comment about your experience with Roger

Friendly, informative and willing to explain his and my input to any investment. I am speaking with my current investment advisor, HSBC and have promised to contact Roger after this meeting. Friday 6th Sept, probably.

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger is a friendly, open and effective communicator. He understands my life situation perfectly, my goals, aspirations and risk profile, and his advice has proven to be sound and sensible.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in Avon

How has Roger Milbourn helped you?

Roger provided an excellent analysis of my overall financial situation which helped me to focus properly on planning pensions and investments. He also provides excellent ongoing advice about my investments which he actively manages on my behalf. He keeps the performance constantly under review which marks him out as very different from the usual Financial Advisor.

What could they have done better?

He could get a haircut!

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger has been very hands on with helping us to establish a balanced portfolio that balances our attitude to risk but will also build in a level of flexibility so we can access our investments in the event we change our strategy. I am very impressed with the level of service and I really believe that from the portofolio management service we have received to date, our money is being managed to gain maximum returns. We are in safe hands

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger holds a rare ability to communicate complex financial information and calculations in a way that is clear, understandable and even interesting to the average person. Only when making a life-defining decision with something as important as a pension, you rapidly understand how valuable an attribute this is. He has helped me feel in control of my financial future.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in Hertfordshire

How has Roger Milbourn helped you?

RogerÂ’s highly professional approach was like a breath of fresh air. I was impressed with both the advice he gave, and the way he conducted himself. I would not hesitate to recommend him.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in Wiltshire

How has Roger Milbourn helped you?

I am very pleased with the wealth management portfolio performance and the wise choices regarding switching of funds. Well researched and I have been informed each time changes were recommended. Also well presented and explained.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger has provided clear advice on personal pension and investment matters, cutting through the fog of complexity that often surrounds this aspect of financial planning. His speed of response and easy going manner greatly assist the decision making process.

What could they have done better?

No obvious areas for improvement.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

Roger is a positive and well measured professional. His approach is logical and always based on a solid understanding of the facts at hand. I have enjoyed working with Roger on several projects and would happily recommend him to others.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in Hampshire

How has Roger Milbourn helped you?

Overall, I was impressed with the knowledge that Roger displayed and how thorough he was when looking at all the different types of financial protection. He was able to identify which policies best suited our needs together with the best features and arranged the policies for us, securing a competitive monthly premium.

What could they have done better?

Could do with an update on how investments are looking currently and for outlook, maybe a 1/4rly update.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in Kent

How has Roger Milbourn helped you?

Roger has an expert understanding of pensions and applies his knowledge professionally. I am no longer a spectator; with his advice. I am able to understand my investment options and move my money around to suit fluctuations in the stock market.With RogerÂ’s advice, my pensions are performing better than they were in managed funds. We have regular one to one meetings and I am kept up to date with his recommendations on changes to the portfolio on a regular basis.

What could they have done better?

Summary recommendations of changes to the portfolio would be very helpful to those with insufficient time and knowledge to read through lengthy analysis of the markets.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in London

How has Roger Milbourn helped you?

We approached our accountant for a recommendation regarding a Group Pension Scheme Adviser, and they immediately put us on to Roger. After understanding the approach we wanted to take as a company, he took over as much as possible, thoughtfully talking employees through the scheme and their own requirements. He is flexible, and always on hand to answer queries.

Review from verified client

June, 2013

Overall

Advice

Service

Value

Based in Middlesex

How has Roger Milbourn helped you?

Superb Adviser and incredibly intelligent, intellectually and emotionally. RogerÂ’s financial nous is brilliant and couple this with the ability to understand clients, effectively making a distinction between needs and wants in relation to their risk profile, I havenÂ’t seen anyone do it better.

What could they have done better?

Nothing at all, considering I am usually critical of of absolutely everything.