Reviewed for

Insurance and Protection ( 12 )

Mortgages ( 15 )

Pensions ( 115 )

Equity Release ( 5 )

Retirement income (annuities, drawdown) ( 57 )

Auto Enrolment ( 1 )

Investments and Savings ( 160 )

Pension Transfers - Non Specialist ( 23 )

Inheritance Planning ( 47 )

Long Term Care ( 20 )

Pension Transfers - Specialist ( 11 )

Financial Planning ( 9 )

Financial Mentoring ( 2 )

Reviewers' assets

£500k+ ( 46 )

£200k - £500k ( 37 )

£100k - £200k ( 18 )

Up to £50k ( 5 )

( 3 )

£50k - 100k ( 9 )

Client reviews

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with James

James was approachable offered some useful suggestions on my current position and how I may wish to progress through to retirement.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with James

We have had an initial interview with James. He is clearly vastly experienced and has been doing this role for many years. We were impressed by his deep knowledge, clarity, and candour regarding whether or not he will be the right fit for us. That many of his clients have been with him for decades is to his credit. I can recommend that you get in touch with James if you are looking for a financial advisor.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James has provided me with expert financial advice and keeping my investments on track. As I near retirement, it is great peace of mind that my financial planning is in such good hands

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in London

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

How has James Caviel helped you since your last review?

James has continued to keep in touch regularly - he is a good listener as well as giving advice . I had no hesitation in recommending him to my family

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Initially to prepare for retirement.

How has James Caviel helped you?

He has advised on how to manage my finances on retirement.

Have you seen the outcome you were hoping for?

Yes and I am able to draw a monthly income to supplement my pension.

What could they have done better?

James has provided a reliable and professional service.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Essex

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

Investments

How has James Caviel helped you?

Provided portfolio for investing

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in London

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

Wanted professional advice on pension options available after retirement

How has James Caviel helped you?

Sorted out investment and pension arrangements, advice on inheritance tax planning

Have you seen the outcome you were hoping for?

Yes - expectations achieved

What could they have done better?

Nothing - a very competent service which has achieved expected outcomes.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Essex

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

Advice on company pension

How has James Caviel helped you?

James helped and advised regarding my final salary pension .

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Kent

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

To sort out the many places that I had money invested he

How has James Caviel helped you?

He has explained his reasoning for the plans that he suggested, provided plenty of written evidence to show how the plan/s should work. Also he advised me on how I could draw down on the investments to supplement my current income to facilitate care home expenses for my wife Peggy who had Alzheimer’s and unfortunately, has since passed away.

Have you seen the outcome you were hoping for?

At the time all the plans suggested worked as intended but the current world situation has now rather put a damper on the future.

What could they have done better?

I doubt it.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Nottinghamshire

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

How has James Caviel helped you since your last review?

I have had one meeting with him and he is always friendly and helpful. However due to the downturn in the economy I have lost a lot of money this year. He has explained this and is hopeful this will be rectified over the coming 12m, though this may be overly optimistic.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

I had investments and needed to get them managed.

How has James Caviel helped you?

He has grown my funds and ensured my investments were safe.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing!

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Essex

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

Self employment

How has James Caviel helped you?

Given sound advice, reduced costs and improved investment performance

Have you seen the outcome you were hoping for?

Retirement so far has been a good experience

What could they have done better?

I don’t see much scope for improvement. James has done very well.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in London

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

How has James Caviel helped you since your last review?

James has maintained his good service which is so important to us in these trying economic conditions.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has James Caviel helped you since your last review?

Kept my investments secure and improved so ensure the investments were well managed.

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has James Caviel helped you since your last review?

James continues to manage our portfolio and completes my wife's tax returns

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Kent

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

Previous adviser was retiring.

How has James Caviel helped you?

James manages my pensions, investments and drawdown.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

James always gives 100%.

Repeat review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James is actively managing my portfolio in this time of testing investments to maximise value

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James still takes time with me especially when I’m panicking he listens then talks it through which helps me so much

James's reply

Dear Mrs B, I'm glad to be able to help and sort things out when it all seems so stressful, here for the good times and the bad. Best wishes JC

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James always listens to me even when I get upset or worried and once I’ve spoken he works it all out with me so I understand

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

He continues to give sound advice and is very helpful in all matters where we need guidance.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Essex

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

Due to personal circumstances financial advice was required covering investments, savings, pensions, planning for retirement and inheritance planning.

How has James Caviel helped you?

James conducted a review of my financial situation and my requirements going forward. Based on the review James provided both short term and longer term proposals for how to best satisfy my requirements. Following the initial review and proposals James has maintained regular contact helping with a broad range of circumstances and associated detailed questions. James has also conducted six monthly reviews of investment performance, income and future strategies.

Have you seen the outcome you were hoping for?

Yes. Investments have been placed and managed successfully to provide monthly income. Retirement plans have been successfully executed. Pension withdrawals and transfers have actioned to provide monthly income and growth. Inheritance planning has not yet been actioned but is in hand.

What could they have done better?

I am happy to date.

James's reply

Dear Mr H Thanks for taking the time to provide a review, its greatly appreciated. I'm glad you gave the quality of the advice the top rating, which is, of course my principle objective. At our next review you can give me some insight in what my team and I need to do to improve in the areas of the Quality of service and Value for money ratings to the highest possible level. Best wishes & thanks as always for your custom JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Essex

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

Long term financial planning.

How has James Caviel helped you?

Tax efficiency on investments, pension planning and wills.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

N/A

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in London

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

I had retired from a career and needed to start investing a lump sum and plan for future income

How has James Caviel helped you?

Looked at options, explained pros and cons of each and set up the means to invest efficiently.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Nottinghamshire

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

We were coming to retirement and were not too sure what to do with our pension 'pots'. A friend who has known and been a client of James for a number of years recommended him without hesitation. We were also in the process of moving house with substantial financial implications for us.

How has James Caviel helped you?

He went through our finances and future plans/aspirations with a fine toothcomb and came back with recommendations to help us achieve them

Have you seen the outcome you were hoping for?

So far yes. A follow-up zoom meeting has confirmed we are where we should be at this stage.

What could they have done better?

nothing we are aware of

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in London

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

How has James Caviel helped you since your last review?

You have repeated this survey as you note my last review October 2021!!

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We needed someone trustworthy and reliable to make the most of our pension savings.

How has James Caviel helped you?

He consolidated our various 'pots' of money and investments into a single solid well-managed platform.

Have you seen the outcome you were hoping for?

Yes, most definitely.

What could they have done better?

Nothing I can think of.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

As a director of my own limited company I needed someone to advise me on how much to put aside for retirement and how to do that.

How has James Caviel helped you?

James took over my portfolio from another adviser. He transferred funds from a “not great” pension and consolidated a number of pensions into a single SIPP.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

I was advised in my 40's to save for an extra pension (avc) to supplement my teacher's pension in the event of early retirement.My wife was doing a job without a pension and wanted to make contributions so that she would have a pension (annuity) on retirement. The Adviser retired and we met James who helped to set up a trust to protect our savings and investments and gave us general advice on our financial affairs and Wills etc

How has James Caviel helped you?

as above

Have you seen the outcome you were hoping for?

excellent so far

What could they have done better?

n/a

James's reply

Dear Mr & Mrs P, Thanks for your continued trust I look forward to catching up soon. Best wishes JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in London

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

We inherited a large sum of money and needed someone to advise us on the best way to invest so that we would maximise capital and income.

How has James Caviel helped you?

He did exactly what we required.

Have you seen the outcome you were hoping for?

Yes. In out retirement, we are able to live comfortably without having to have money problems.

What could they have done better?

We’re very happy with James’s service.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Nottinghamshire

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

x

How has James Caviel helped you?

x

Have you seen the outcome you were hoping for?

x

James's reply

Dear K W Maybe we can chat further about your reference score next time we speak. Having looked after your mother initially since 2011 and your sister and you since her passing, along with getting the Grant of Probate during lockdown, I am disappointed to have secured such a low score without explanation. I will attempt to get in contact with you and see if I can do anything to remedy your disappointment Very best wishes JC

Review from verified client

October, 2021

Overall

Advice

Value

Service

Based in Surrey

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

Pension consolidation and investment.

How has James Caviel helped you?

Consolidate financial affairs and provide assurance and pragmatism on financial planning.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Clearer communication on investment decisions being taken.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Essex

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

Previous advisor was retiring, required advice for my investments going forward.

How has James Caviel helped you?

James advised how best to invest my capital with comprehensive information covering all aspects of what could happen.

Have you seen the outcome you were hoping for?

I am very happy with the service James provides. I am kept up to date with regular meetings which gives peace of mind.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement planning was the main reason

How has James Caviel helped you?

James advised me with regard to my finances prior to.and since retirement

Have you seen the outcome you were hoping for?

I have invested money and am able.to draw down funds to supplement my pension

What could they have done better?

I cannot think of anything specific

James's reply

Dear Mrs K, Thankyou for taking the time to do a review, you'll need to tell me what extra service I need to provide to get a 5 : ) Glad you are happy. Speak soon JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in London

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

Peace of mind over financial matters

How has James Caviel helped you?

Correcting bad advice and loss of income from previous advisor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Objects achieved

James's reply

Dear Mrs M Always a genuine pleasure to look after you, looking forward to seeing you in person after this 18 month hiatus. Chocolate biscuit sales are now starting to recover now I am back on the road.... JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Essex

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

We were already investing with James so didn't go looking specifically for a financial adviser.

How has James Caviel helped you?

Transferring my pension was a massive decision to consider. However, James advice and experience was invaluable in helping us come to the right decision for us.

Have you seen the outcome you were hoping for?

Yes very much so.

What could they have done better?

Nothing I can think of. We have achieved the outcome we hoped for.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Essex

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

Potential transfer of Defined Benefits pension and consolidation of Defined Contribution schemes

How has James Caviel helped you?

James carried out a comprehensive financial review, identified options for the transfer, and fund options for both transfer and consolidation, taking into account my preference for ethical investments and risk profile. James managed the consolidation of pensions and identified additional options for transfer when underwriting issues prevented the initially agreed action plan.

Have you seen the outcome you were hoping for?

Mainly yes. Although the initial plan to complete the transfer of the DB scheme did not come to fruition, this was down to factors outside of James control. Ultimately, James assisted with defining options around cash pot values and pension Income Exchange within the DB scheme wrapper that proved very useful.

What could they have done better?

Nothing come to mind

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

Widowhood and retirement planning

How has James Caviel helped you?

Suggesting safe investment options to suit my cautious attitude .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I have been with James and his team for many years and have no cause for complaint.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Need for an independent point of view regarding stocks held.

How has James Caviel helped you?

Need for an independent point of view regarding stocks held.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NA

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in London

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

James took over the business of our previous adviser, and although we were not obliged to continue to use his services we have no regrets about doing so.

How has James Caviel helped you?

Put in place comprehensive inheritance planning arrangements, encouraged completion of LPAs, and managed pension portfolio very effectively with consistently excellent returns

Have you seen the outcome you were hoping for?

Absolutely, yes

What could they have done better?

Nothing obvious missed

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

Need to re-assess my investments as I could foresee a need for extra income to help fund my wife's impending care as her Alzheimer's proceeding to worsen.

How has James Caviel helped you?

He collated my current investments into a more manageable form with is tax efficient and is now providing the extra income required.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

The attention I received from James and his team has been perfect.

James's reply

Dear Mr S, as always its been a pleasure and I look forward to seeing you again soon. Best wishes JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Essex

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

I have had a financial adviser for decades. James acquired the business from my former adviser.

How has James Caviel helped you?

James pointed out several instances where my former adviser had chosen options that were not best for me. He put things right, even though he could have earned more fees by not disclosing the problems he had discovered. As our relationship developed, he has given valuable advice on managing my investments, planning for retirement and inheritance. When I needed advice on equity release he was able to introduce me to a colleague specialising in that area and she gave me excellent advice.

Have you seen the outcome you were hoping for?

When I was contemplating retirement, I was pleasantly surprised with the projections for income I could receive from drawdown. The outcome was better than I had anticipated.

What could they have done better?

I can't think of anything James could have done better.

James's reply

Genuinely my absolute pleasure, I look forward to continuing the nurturing of your funds for many more years yet to come. JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

I had a number of investments that needed to be managed.

How has James Caviel helped you?

He ensured I had a good return on my investments according to the amount of risk I was prepared to take.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of.

James's reply

Thanks Vanja

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

To protect my financial future.

How has James Caviel helped you?

James has always given exceptional advice , of late in these most difficult times he still produces spectacular performance results with my pension .

Have you seen the outcome you were hoping for?

More than exceeded .

What could they have done better?

Performance and results have been outstanding in my personal case , comes with a 5 star review from me .

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Essex

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

Previous finance adviser retired

How has James Caviel helped you?

Good advice and clarity with financial investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of right now

James's reply

Its genuinely always my pleasure to be there for you : )

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

My previous adviser retired and James was recommended to me by a friend.

How has James Caviel helped you?

Planning and executing a financially secure pension and retirement. Also set up a tax efficient trust to deal with my property portfolio. Also significantly grew my savings and investments. Pretty much game, set and match on the financial front.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing that I can think of

James's reply

What a great reference and now we're going to start the financial journey with your daughter, which I have always considered the highest ringing endorsement of client satisfaction there is. Look forward to seeing you both soon. JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

I knew that I needed someone that I could trust to support me through the process of making decisions concerning our fiscal

How has James Caviel helped you?

James, lent the support and advice that 'translated' the issues into terms that meant something to me as a lay person in the world of finance

Have you seen the outcome you were hoping for?

James provided advice that has protected some of my funds from risk and established and improved tax position for myself

What could they have done better?

Little other than there is a risk of being a victim of your own success through many others in a similar position needing his advice.

James's reply

Thanks Mike, I really appreciate the review, I hope its the first of many positive reviews over the coming years as I help build your retirement vision! JC

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has James Caviel helped you since your last review?

James continues to be our trusted advisor, looking out for our interests. He is also responsive if you contact him for help or advice

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Retirement planning and resolution of executor business

How has James Caviel helped you?

Helped steer through the resolution activities. Provided advice on future financial plans

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with James

Very concise and informative initial interview

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

Having recently divorced and also become a permanent employee having been a freelancer for over twenty years I was seeking some general advice on financial planning and specifically what to do with my existing personal pension

How has James Caviel helped you?

James invested a good deal of time in getting to know me and my circumstances. His friendly and relaxed manner complementing an evidently deep knowledge and understanding of Pensions and Investments. James presented his advice to me, verbally and in writing, in terms that were easy for me to follow, clearly identifying the pros and cons of any options available to me.

Have you seen the outcome you were hoping for?

So far, everything has gone very smoothly, with my pension being successfully transferred from a somewhat inflexible 30 year old product to a far more configurable modern one with the minimum of fuss.

What could they have done better?

I am perfectly happy with the way James has handled my affairs, especially given the difficulties presented by the pandemic.

James's reply

Dear S. Thanks for trusting me, thanks for the reference and I look forward to seeing you again, hopefully in person as the lockdown restrictions end. JC

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Kent

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

Held multiple pensions

How has James Caviel helped you?

Consolidated, simplified.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Can’t think of anything.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

Investment for retirement.

How has James Caviel helped you?

He provided me with financial advice in terminology that I understood.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I am aware of.

James's reply

Thanks C for the reference. I have always enjoyed looking after you and I am delighted I was able to repair the professions reputation after your previous adviser left you in quite a mess, denying any wrong doing. Thankfully the FCA and FOS took a very different view and the damage was thankfully, largely, repaired. So pleased everything is now healthy, earning money and all of our meetings these days are much more enjoyable, you've even mastered Zoom ! JC

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Essex

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

James is a knowledgeable, friendly and very honest advisor who listens carefully to your situation and life goals. He has helped us to invest our money over 6 years to work towards our goal of early semi retirement through a range of investments and sound advice.

How has James Caviel helped you?

We are very happy with the return on our investments which will provide us with our pension income. We have recently used his will writing services where he has been sensitive to our requirements, we are completely reasured that our wishes will be prodected and implemented as we have planned through life interests. We would highly recommend James' to anyone who is new to investment markets as he takes time to explain using plain english and is very patient answering lots of questions and always providing options and different scenarios to illustrate his points.

Have you seen the outcome you were hoping for?

We are very happy with the services from James.

James's reply

Dear Stas & Lorraine, Thank you for the review, although I've still got some room for improvement; to get a clean sweep of 5's in terms of service and value for money ; ) You have a very exciting 12 months ahead of you, with your travel plans and I have enjoyed doing my bit to get you into a position where a 12 - 18 month sabbatical is financially viable for you both. Obviously your money will be in safe hands whilst you are travelling and I look forward to our Zoom meetings from exotic global locations to let you know what's happening with it. Thanks again for taking the time to write a review and I look forward to many more years to come. BW JC

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in London

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

We had some large cash receipts from inheritances and retirement benefits and needed an expert to advise us on the best way of preserving our capital and receiving income to sustain us during retirement.

How has James Caviel helped you?

He has given the advise we needed and invested our funds in low to medium risk portfolios.

Have you seen the outcome you were hoping for?

Yes we have. Our portfolios have consistently shown good performance.

What could they have done better?

We are now looking to reduce our potential inheritance tax liability.

James's reply

Dear J & E, It been a pleasure and great fun looking after you these past 11 years and I can't believe how far you've come financially since we first met. Its always been a pleasure to see you both, we have definitely had some very entertaining meetings over the years; the one that always sticks out is the one where I left your home slightly tipsy after a very alcoholic brandy cake, which was mainly brandy with some cake added for texture! Great to see you both enjoying your hard earned retirement and its been my pleasure and privilege to get you there and keep you financially secure. JC

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Essex

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

I have been looking for independent advice to transfer out my defined benefits pension scheme and also seeking advice on consolidation of my other defined contribution schemes

How has James Caviel helped you?

James has been very helpful in completing the initial assessment and then identifying a mechanism whereby the full advice for the DBS transfer can be completed in line with the current FCA regulatory position. He has also identified a suitable platform and portfolio of ethical investments from my defined contribution funds which are in the process of transferring from my existing providers.

Have you seen the outcome you were hoping for?

In terms of defined contribution funds transfer yes, although time will tell of course regarding projected growth, but happy so far. In terms of defined benefits transfer, this is still ongoing, and expect a final outcome by late summer 2021

What could they have done better?

Delays and challenges in respect of underwriting requirements and professional indemnity for the Defined Benefits transfer have been frustrating. However, it this been outside of James control for the most part and he has done his upmost to communicate the reasons in a timely manner

James's reply

Dear Neil & Ann, First and foremost thanks for the feedback and thanks for taking the time to provide it. The fast moving DBS Transfer regime is challenging for all IFA's at present, with many having to withdraw from the market all together, those that have stayed are facing challenges with underwriters withdrawing cover with minimal notice and the goalposts therefore having to change all against a back drop of a National Pandemic with office closures, remote working etc.etc, we tried our utmost to deliver advice to a standard of service my team and I pride ourselves on providing consistently and reliably every time. Although not entirely plain sailing for you guys, we are delighted to see that you have rated us 5 out of 5 for Advice and Service. Of course I am disappointed with the 4 out of 5 for value for money, But that shows there's room for improvement and I can assure you we will endeavour to get that score to a 5 as well when you next provide a review. We're all looking forward to supporting and working with you and your family to deliver on the advice and projections provided thus far. Best wishes JC

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Essex

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

I am on my own and panicked about anything legal

How has James Caviel helped you?

When I was selling my house James was giving me advice and explaining things in a way I could understand and also with my tax return

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I really don’t think James could of done anything better

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

He is always readily available to give sound advice when required in his usual efficient and pleasant manner

Repeat review from verified client

October, 2020

Overall

Service

Advice

Value

Based in Essex

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

How has James Caviel helped you since your last review?

By giving me piece of mind, especially in these strange times.

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in London

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

How has James Caviel helped you since your last review?

As always, James has given me good advice and reassurance, at short notice if required

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Buckinghamshire

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

How has James Caviel helped you since your last review?

Helped with some family related pensions matters

James's reply

Short and brief Mark, but thanks for the high rating. For the purposes of explanation the advise was in relation to the review of a Small Self Administered Scheme (SSAS) and its winding up in accordance with the The Pension Regulator (TPR) and HMRC guidance. This has involved us taking on the regulated role of scheme administrators and this requires a high level of knowledge and technical expertise to become approved. As an adviser of 30 years I have dealt with many, many SSAS schemes, which, for Owner Directors, can be an invaluable source of capital for your business and sometimes overlooked by some business advisers who are put off by the complexity.

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has James Caviel helped you since your last review?

Continued to provide me with good, clear advice.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Kent

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

Since retirement in 1993, my husband and myself, on relatively small Education Pensions, knew we would need to ensure our Savings together with our Pensions, would need an IFA to help us make our new income work best for us. When I was widowed in 2011, this was even more vital. After my stroke and my continued problems with RA, I need financial advice for Long term care.

How has James Caviel helped you?

James has been invaluable. My Investments plus various small pensions, need to work together to provide Long-term care, as I am living to a very old age, 91, and need daily Care. James looks after everything, and is available to me at any time. He has a good relationship with my son who acts as my POA. James gives me peace of mind in very difficult times for us all. My son has a high regard for James, has often consulted him, and feels his investment advice is equally thoughtful both for the high investor, as it is for the smaller personal investor like myself.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I really cannot fault James, always there if I need advice,

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Kent

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

How has James Caviel helped you since your last review?

He has been in consultation with my POA, and then my son discussed his plans with me. I was given the option of going through my son, and I chose this method which worked well. In these difficult. times. I did feel that James plans were the best possible solutions to our investment needs. I feel grateful in fact.

Repeat review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has James Caviel helped you since your last review?

Continues to advise on our investments

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James has been advising me on my pension for a number of years. He gets fees on my account of about £1200 pa. I expect to get an annual review. The last time I saw James was Feb 2018, my personal circumstances made it difficult for the Feb 2019 review, but James had made no effort to contact me since then and has failed to respond to a number of emails. I am concerned that the investment decisions on my account were not in line with my instructions, but I cannot get any clarification from James or any member of the team

James's reply

20/06/2020 Since leaving this reference in frustration, we have spoken with Mr. M. There are a few inaccuracies in this reference that Mr. M has been asked to reconsider, he has declined. VouchedFor doesn't edit client reviews and so the reference that's been left won't be edited or removed. Which I believe is positive, as you will know reviews left are genuine and untainted. I offer the following factual information: Fee's on Mr. M account were established by his previous advisers and were set at 0.5% of the fund value. They were disclosed and agreed with Mr. M at our appointment in 2016. Following large withdrawals in 2018 & 2019 the fees actually recieved by us were less than half those claimed in the above reference. We did try to review Mr. M account with him and offered a variety of review options but he was unable to take advantage in 2019 due to personal issues. When able to make contact with us, during Mar 20 we were in lockdown due to Covid and significant internal changes ourselves. These setbacks were communicated to all clients including Mr. M and no other client has raised an issue. It is true Mr. M & I struggled to communicate during this period. This was frustrating and regrettable for him; for which I have already sincerely and unreservedly apologised, without question I fell short of the standards I hold myself to. Afterall regular and easy communication with your adviser is vital to a good working relationship. Subsequently, we have been able to demonstrate to Mr. M that his investment instructions were acted on by us as he had communicated; although not by the product provider, despite their acknowledgment of such. Given the falls in global stock markets, Mr. M was understandably deeply concerned. There was no material financial loss as a result of the provider error and Mr. M was satisfied that no such feared losses existed. If there had been, the provider would have compensated accordingly. It has been agreed by Mr. M that given the size of his pension fund that because we can no longer add any significant value it would be better for him to manage the fund direct with the product provider concerned, which is what he has implemented.

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in London

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

How has James Caviel helped you since your last review?

Maintained our portfolio very well, in difficult circumstances

James's reply

Dear Mr & Mrs C, Its been a pleasure and hopefully many years to come, 10 years a client next Autumn, can you believe that! Keep safe and well during these peculiar times and we'll catch up soon. Best wishes JC

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in London

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

How has James Caviel helped you since your last review?

James has kept us up to date with the status of our investments through these difficult times, despite the fact that he has been having a difficult time himself.

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in East Sussex

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

How has James Caviel helped you since your last review?

general advice

James's reply

Dear SM, Rating me 3 out of 5! I am surprised and sorry to hear that, you've provided little in the way of commentary but if you'd like to share with me what you were / are unhappy about, maybe I could have put it right, you have previously rated me at 5 out of 5. You've been a client for nearly 10 years so I am unsure what my team or I have done wrong to warrant such a low rating. Maybe you could elaborate next time we meet for a review, you can be assured I will endeavour to put it right. Best wishes James

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has James Caviel helped you since your last review?

I’ve been retired for about five years now and everything that James planned with us has come to fruition. We are very fortunate and don’t have any money worries at all, in fact we rarely think about it. We are having a wonderful time, safe in the knowledge that everything financial is securely taken care of.

James's reply

Thanks Vince & Kate, glad you are enjoying retirement, your money is fine and we'll be seeing you soon for the Summer review. Although maybe have to be virtually this time, but I'll be round for some of your lovely coffee and a cheeky amaretto biscuit soon enough!! JC

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in London

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

Nearing retirement

How has James Caviel helped you?

Set up trust Advised in pensions Advised on tax Claimed things owed to us

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. All relevant and helpful Explained well and in full

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Hampshire

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

How has James Caviel helped you since your last review?

James continues to be a highly competent financial advisor. Through his considered and probative analysis during our discussions he continues to provide practical cogent advice to me irrespective of whether or not my scenario be straight forward or more nuanced. Such advice in turn allows me to take appropriate informed steps to protect both my retirement income and pension. Accordingly, I would be happy to recommend his services to anyone.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in London

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

Having left full time employment but still working part time we received advice on our investments and savings. I referred James to my parents about their circumstances re possible long term care issues and inheritance planning.

How has James Caviel helped you?

Myself and my wife who are in our early 60s received advice from James on investments based very clearly on our circumstances (both still working etc) and he and his team were very efficient and James very practical and personable.Then my elderly parents, one of which at least of which will likely need long term care in the medium term, were advised by James and the main thing was settling their minds at rest financially as they had enough to deal with and that has been the result.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing we can think of as things are well organised and James keeps in regular touch with us and gives wider information on the nature of the markets etc.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Essex

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

The need for good sound and safe financial expertise in regard of savings and then for pensions and pension transfer

How has James Caviel helped you?

By guiding us through the minefield that is savings and investments and then into pensions.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Everything was explained very well and when they were not James and his staff were happy to explain again...and again.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James has conducted regular reviews of investment performance and helped with planning for the next steps.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

His advice and guidance has been invaluable. He has also assisted with financial advice for both my Brother John and Cousin Edith who now resides in a nursing home.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Essex

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

How has James Caviel helped you since your last review?

James has always been there on the end of the phone to talk me through different situations which have happened in my life James is kind and caring he really has and will be very helpful

First impression from a user who is not yet a client

August, 2019

Overall

Please provide a brief comment about your experience with James

Just had initial discussion. Too soon to say yet whether I will use his services, but the initial discussion was informative and helpful.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

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

Financial advice on relatives finances

How has James Caviel helped you?

Good sound financial advice on various different investments and savings

Have you seen the outcome you were hoping for?

Yes very satisfactory

What could they have done better?

Nothing all excellent

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Needed help and advice

How has James Caviel helped you?

Rationalisation of savings

Have you seen the outcome you were hoping for?

Well on the way

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

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

I was approaching my target early retirement age and wanted to verify my finances would support my plan and to receive advice on the best actions to take.

How has James Caviel helped you?

During a series of meetings, reviews, assessments and analysis James verified my finances would support my plan and provided excellent advice on the best actions to take. James satisfied my requirements.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am currently happy with the service both in terms of responsiveness and outcomes.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

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

To ensure my capital was used to the best uses and investment.

How has James Caviel helped you?

By guiding my investments to reach the most successful outcome.

Have you seen the outcome you were hoping for?

Yes in every way, his consummate professionalism has brought me the best outcome I could achieve.

What could they have done better?

James has performed his financial services to the very best I could have achieved. He made a visit to my cousin in her care home traveling from Chelmsford to Chigwell , advising her on re investments and rewriting her will all to a most satisfactory conclusion. He has been my advisor for about 5 or more years now and look forward to many more years with him.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Somerset

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

Need for traversing Probate, dealing with Tax issues and selling shares.

How has James Caviel helped you?

Clearly stating procedures and making approaches to Inland Revenue, Investment Companies and Probate Office.

Have you seen the outcome you were hoping for?

Still in progress

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Hertfordshire

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

I received an inheritance.

How has James Caviel helped you?

Since James became my financial adviser I have retired and he has helped me with everything to do with arranging my retirement income. I'm not at all confident with financial planning and I always find him very reassuring. He explains things very clearly.

Have you seen the outcome you were hoping for?

So far so good!

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

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

I needed advice about some money .

How has James Caviel helped you?

Most helpful gave me lots of options

Have you seen the outcome you were hoping for?

I have & am pleased

What could they have done better?

I felt very happy that is all i can say .

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

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

I am on my own

How has James Caviel helped you?

Listening to me and what I need, taking time and explaining everything as many times as I needed

Have you seen the outcome you were hoping for?

Not yet but i know it will take time

What could they have done better?

Nothing

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Essex

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

Looking for independent advice and a review of personal finances. Had various referrals and settled on James from personal references and recommendations.

How has James Caviel helped you?

Provided a detailed review of existing finances and investments with a straight forward and easy to understand written document. Spend a number of hours reviewing and explaining recommendations and where I was well positioned and where not, plus importantly how to create a go-forward plan.

Have you seen the outcome you were hoping for?

Definitely.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Essex

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

To plan our retirement income.

How has James Caviel helped you?

He enabled retirement.

Have you seen the outcome you were hoping for?

We are happy with our pension arrangements as a result of his advice.

What could they have done better?

Ensure updates on funds performance are communicated to us on a regular basis.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Kent

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

Husband changed jobs halfway through career, to teaching. Happy but underpaid ! Anxiou to put savings into useful investment as far as possible for long-term. ....towards old age. This proved invaluable. Even more so than we had envisaged. We were taken on by James when our long time advisor Paul Williams left. We need not have been apprehensive. James continued where Paul left off, and proved a huge asset.

How has James Caviel helped you?

First see above. However carrying on from that James has been helpful to my personal circumstances as they are now more than I can ever say. I had a stroke a year ago, limiting my mobility. I need 24 hr care and this provided by a live-in Carer. The means to pay for that expensive choice meant the transference of all my investments under one umbrella, re-invested to bear my new requirements. James did all this perfectly.

Have you seen the outcome you were hoping for?

It's only just happened, so a very few loose ends will be soon made good. But, yes it has all worked seamlessly. James has worked beautifully both with me, and with my elder son, who has to act as my power of attorney. James has arranged everything to my exact requests, and further one or two extras we had not thought of. His visits to me are rare, but always so pleasant and leading to a good outcome.

What could they have done better?

Nothing that immediately comes to mind. I've given this some thought, and I still think :- nothing.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in London

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

James was my father's Financial Adviser but after being diagnosed with Dementia I had to apply for a Deputy ship to take over my father's finances and James was hugely helpful with advise with this.

How has James Caviel helped you?

Now I have the Deputy ship over my father's finances I meet with James regularly and he has also advised me on my own pensions.

Have you seen the outcome you were hoping for?

Yes - he has recommended new investments which have seen growth.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Suffolk

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

My husband and daughter had both been advised by James and found him to be extremely helpful and friendly so I asked if he would also advise me on how best to invest my own savings.

How has James Caviel helped you?

He was happy to visit me at home and explained how best to invest. James's manner is very down to earth and approachable and he made sure I understood exactly his suggestions. He took time to listen, his explanations were clear and concise and at no time did I feel I was being encouraged to agree to something I was unsure about. Most importantly, once agreed the plan was put into place very promptly. I received a substantial amount of documentation setting out in detail the agreed plan.

Have you seen the outcome you were hoping for?

James told me in advance the amount of interest I would be receiving and his recommendations have resulted in this monthly amount being received by me.

What could they have done better?

My needs were not very complex and I am happy with the result. I can't think of anything that would have improved my dealings with James.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Hampshire

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

Pension planning.

How has James Caviel helped you?

- He reviewed my pension savings and investments.

Have you seen the outcome you were hoping for?

- Yes - Updated my pension arrangements to my satisfaction.

What could they have done better?

- None - James is a highly competent financial advisor who has advised me on a multitude of complex personal matters. I would highly recommend his services to anyone.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Essex

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

i needed a review of my finances, so that they worked in the best way to provide me with a regular income as well as investing for my future income.

How has James Caviel helped you?

James listened and looked over my financial situation, he explained and provided information as to different options i could take as well as providing potential outcomes of those options. He made the process understandable and all paper work easy to respond to.

Have you seen the outcome you were hoping for?

Yes i have seen the outcome I was looking for, and the decisions that James made with my investments have provided a very positive outlook. I now have peace of mind regarding my income and for any other unexpected financial issues i may have. i can trust that all recommendations made have been suited to my needs and decisions made have been carried out in a professional way, with information regarding them clear and understandable.

What could they have done better?

I am happy with the financial service that James provides.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Kent

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

Our previous financial advisor retired.

How has James Caviel helped you?

Reviewed our current portfolio.

Have you seen the outcome you were hoping for?

Only transferred in last month.

What could they have done better?

Nothing really. Everything was explained fully and easy to understand.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Hertfordshire

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

My previous financial adviser sold the business to Capital Wealth Solutions and I chose for my pension fund to be transferred to the management of James Caviel. Subsequently, I also needed a mortgage to fund an extension to my property and James was instrumental in securing a good deal for me.

How has James Caviel helped you?

James Caviel has always listened carefully to my needs and has provided a very professional service to meet them. He takes time to explain things carefully and simply so that I easily understand what are sometimes complex financial matters. I also feel that I am being advised by a good friend who knows me very well.

Have you seen the outcome you were hoping for?

I am very happy with my pension arrangements as a result of James' advice. I was also able to secure a very good mortgage deal.

Review from verified client

October, 2017

Overall

Advice

Value

Service

Based in Bedfordshire

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

Retirement of previous financial advisor.

How has James Caviel helped you?

Realigned pensions and savings plans - simplification.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

A little disorganised

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Lanarkshire

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

Approaching retirement from NHS. Initially seeking advice as to feasibility and was reassured by the help given. Have since retired in February 2016.

How has James Caviel helped you?

Prepared a full financial report which took into account how to deal with loans and investments I had and how to achieve a monthly income. The report was clear and concise, even for a financial novice such as me. I was also able to speak to him on the phone to ask any questions. These were dealt with clearly and efficiently.

Have you seen the outcome you were hoping for?

I am happy to be able to see some growth in my savings and to receive an amount each month. I was also advised to set up an account with Santander to access their returns on utility bills.

What could they have done better?

As I live a distance from the office, I conduct my business via email and telephone. This has been a problem at times if James is out of the office, but Carol and Barry have both helped when they are able.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

To help plan for the future and to enable me to have a better understanding of my current financial situation.

How has James Caviel helped you?

To simplify my strategies for saving.

Have you seen the outcome you were hoping for?

Yes - a work in progress.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Buckinghamshire

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

As I approached retirement I needed advice on pensions and retirement planning. I also needed to invest some inheritance money to assist with retirement income.

How has James Caviel helped you?

James always listens carefully to understand your needs and then offers advice in clear non-technical language. He will visit as many times as necessary and backs up his visits with clear and comprehensive reports. James is friendly, approachable and very professional. He was completely responsible for setting up a successful retirement strategy for us. We have full confidence in his advice.

Have you seen the outcome you were hoping for?

Two years into retirement and everything is working out as James suggested it should. I am sure we could not have sorted out our affairs as successfully without James' advice and help. It is very important that at this time in our lives that we have an adviser we can trust and turn to, and James has fully proved himself to be that man.

What could they have done better?

I can't think of anything James could have done better.

James's reply

Wow thank you.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Hampshire

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

He took over business of my previous advisor.

How has James Caviel helped you?

As above.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

More updates and quarterly investment schedules would be appreciated, received originally, but not lately

James's reply

All clients have access to their financial information on-line which is live, in 2015 we stopped sending quarterly reports because they increase charges and it seemed pointless when clients can get information that's live immediately. We took a straw pole of clients and the feedback was they would rather lower charges and on-line information rather than a quarterly statement that's out of date the minute it leaves the office. We generate an email for every investment change we make, but again a lot of clients requested this was turned off. We still however provide an annual written valuation We endeavour to adapt our services to the needs of the individual client and Guy we will in future provide written quarterly investment schedules and emails.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Shropshire

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

Previous Adviser retired.

How has James Caviel helped you?

Placed my portfolio into a better platform and reviewed the level of return and my needs with a real interest in my situation as a person, not just as an investor.

Have you seen the outcome you were hoping for?

We are nearly there with a situation brought about by the then regulator which has taken about 4 years to settle. Throughout I have always felt that James has the been more than concerned for those of us with the investment at risk. He has been active in pursuing the best route for recompense, urging us to be timely in responding and advising on the best presentation of our case.

What could they have done better?

Given the size of my investment I can't think that I could have received better advice and support.

Review from verified client

October, 2017

Overall

Service

Advice

Value

Based in Suffolk

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

Previous advisor was unable/not willing to give any service. Mr Caviel was recommended to us by friend who was also a financial advisor.

How has James Caviel helped you?

Gave god advice about investments which are now doing well.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Gave good thorough advice

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Bedfordshire

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

I met with James last year at the annual review for a family friend.

How has James Caviel helped you?

As client now has dementia, James was able to explain simply and with empathy so that his client was happy with the review. James then followed up with lots of information on how we may need to proceed with long time care etc in the future and how it could be financed.

Have you seen the outcome you were hoping for?

James continues to advise and support when needed.

What could they have done better?

I was so impressed with the level of service, that James has now reviewed my Mother’s investment portfolio and she is now a client too.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in London

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

I wanted a review of my existing investment ISAs and James's company had recently taken of the work of the original company I used and we met to discuss the best ways forward in my changed circumstances.

How has James Caviel helped you?

He met personally with me and my wife and did a thorough review of our circumstances sending us a preliminary assessment. This then led to a second meeting at our home where we went through the pros and cons of various options and also our appetite for risk etc before we decided upon our next steps. James was very down to earth in his explanations to us as lay people and we understood our position.

Have you seen the outcome you were hoping for?

Yes we have the revised portfolio now in line with our circumstances.

What could they have done better?

Not really no.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in London

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

We were looking for an expert to assist us with our invetments.

How has James Caviel helped you?

He arranged for our money to be invested in a low risk investment portfolio.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Documentation could be improved

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Kent

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

My previous adviser was retiring.

How has James Caviel helped you?

Primarily pension advice but also inheritance planning.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

James made a lot of changes to reduce the overall charges which in the earlier years were obviously higher. We were really grateful for that and our investments seem to be doing much better now.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Essex

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

Previous FA retired. James came as recommendation.

How has James Caviel helped you?

James restructured our savings plans and has worked closely with us over recent months as we look to retirement planning.

Have you seen the outcome you were hoping for?

Yes and we look forward to continuing to work with James as our retirement plan comes to fruition.

What could they have done better?

We appreciate and benefit from regular updates and assurances. James has been able to help with all aspects of our current financial position.

Review from verified client

October, 2017

Overall

Advice

Value

Service

Based in Essex

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

I inherited money.

How has James Caviel helped you?

Good advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in London

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

I was looking for to consolidate my savings and focus on inheritance planning .

How has James Caviel helped you?

James advised me on the strength of my assets, consolidated them and incorporated inheritance planning.

Have you seen the outcome you were hoping for?

I am pleased with the return my portfolio is showing, while at the same time giving me a monthly allowance.

What could they have done better?

I found James to be extremely helpful and supportive during this process. The financial jargon is always a problem for those of us outside the industry. James did his best to explain and gave me sufficient time to feel comfortable with my decision.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Hertfordshire

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

We have been working towards our retirement for several years and wanted a professional advisor to run their eyes over our plan. James did this and refined it taking it all on to another level. He brought up situations and out comes that we hadn’t even considered.

How has James Caviel helped you?

Good , solid professional advice and planning of the highest level.

Have you seen the outcome you were hoping for?

Very much so. We are currently saving more than we spend, thanks to James’s help and advice.

What could they have done better?

Frankly I can’t think of anything that hasn’t been covered and addressed.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in London

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

I had had problems with bad advice from previous Financial Advisor.

How has James Caviel helped you?

James was able to help successfully with my claim for reimbursement .

Have you seen the outcome you were hoping for?

James has been consistent in keeping me up to date with investments etc. Always gives advice in a clear, understanding manner.

What could they have done better?

At this stage I have found no faults

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Devon

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

Recommended from previous Financial adviser.

How has James Caviel helped you?

Re-assured us of our previous investments situation & made it easy to ask questions re any concerns for the present & future. James gave advice in a friendly manner which was easy to understand.

Have you seen the outcome you were hoping for?

We were happy to keep things as they are & felt that James understood our needs & situation.

What could they have done better?

We had every confidence in his recommendations & appreciated his personable approach.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Hertfordshire

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

Investments needed a review as I had been with the same companies for 20 years.

How has James Caviel helped you?

After listening to my requirements James explained the various products available and advised me of the best plan of action for my investments.

Have you seen the outcome you were hoping for?

As I am a new client I am delighted with the professional approach taken by James and his team. I am pleased that my investments have now been simplified.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Kent

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

Investing Pension Funds during retirement. Sent to Capital by previous IFA.

How has James Caviel helped you?

Put many investments into one place and make best use of ISA allowances.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

Keep in contact after phone call query.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Initially to protect parental finances following admission to nursing home and to generate income to support and pay the fees. Then invest funds to allow early retirement. minimise tax liability. now pension income and family trusts.

How has James Caviel helped you?

provided the required services and always explained in clear terms what and why he was doing the investment. has enabled us to retire early.

Have you seen the outcome you were hoping for?

yes has done exactly what was requested from the start from providing income to pay care home fees to allowing us to retire early performed well in difficult financial times.

What could they have done better?

very little and nothing in particular

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Essex

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

As the best way to plan for my retirement.

How has James Caviel helped you?

By offering a plan that gave me a good return on my money.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing really I am happy with the outcome.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in London

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

James took over the business of our previous adviser - who recommended him to us.

How has James Caviel helped you?

He has sorted out our investment portfolio, advised on inheritance plans and due to his advice our portfolio has prospered.

Have you seen the outcome you were hoping for?

absolutely - expectations have generally been exceeded.

What could they have done better?

Nothing more needed from what is provided at present. We have regular meetings and plan for the year ahead.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Review of retirement planning.

How has James Caviel helped you?

Conducted a comprehensive review.

Have you seen the outcome you were hoping for?

Yes, I feel more certain about my future financial plans.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Essex

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

I felt it wise to ensure that investments etc. Inheritance for my family and peace of mind regarding all matters of finance are looked over by an expert in that field. James certainly fills that roll.

How has James Caviel helped you?

With sound expert advice and future planning of all investments.

Have you seen the outcome you were hoping for?

I was clear and happy with all advice and recommendations received and well suited to my needs. All advice and recommendations have proved beneficial.

What could they have done better?

I feel that he could not have surpassed his past advice.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Bedfordshire

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

Advice on how best to manage/enhance savings in a very low interest economy.

How has James Caviel helped you?

James understood our needs and gave excellent advice.

Have you seen the outcome you were hoping for?

So far the change of investments has been very worthwhile, showing good growth. Here's hoping that it will continue.

What could they have done better?

Several arranged meeting, especially in the early days, were postponed. The delays due to this caused us some anxiety at the time.

James's reply

Postponing appointments does sometimes happen due to unavoidable circumstances and its always regrettable when I have to do so. But thankfully once we got things sorted we have delivered on the hoped for returns and savings. Once again sorry Barrie & Kathryn for the bumpy start!

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Essex

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

Unhappy with previous service provider.

How has James Caviel helped you?

Open Good explanation Clear plan of our needs and what/where to invest.

Have you seen the outcome you were hoping for?

More comfortable with our future arrangements and less anxious that our finances are out of our control.

What could they have done better?

We have been very happy from the outset and hope that this service continues

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Dorset

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

- Review of Pension Scheme to consolidate future pension income. - Advice on complex tax matters requiring urgent attention.

How has James Caviel helped you?

- Overview of my financial position which had complications in it. Advised a plan of action going forward which was explained in detail. Good positive advice which was communicated clearly and concisely enabling me to make an informed decision.

Have you seen the outcome you were hoping for?

- Yes. - The advice was on a long term basis but I am extremely happy with the position going forward.

What could they have done better?

- None - All expectations were met.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in London

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

I was referred to James by my father who is a client.

How has James Caviel helped you?

My father had a stroke which resulted in dementia and was not able to recall his financial particulars. James was a huge support from first contact and relayed next steps as well as our options as a family in a clear way. He provided as much information as he could under the circumstances.

Have you seen the outcome you were hoping for?

Yes so far, but the journey is ongoing.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Berkshire

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

I needed some clarity as to what my retirement plans were.

How has James Caviel helped you?

James has always provided very clear advice on every aspect of financial planning that I asked for.

Have you seen the outcome you were hoping for?

I have been very pleased with the results James has achieved for my savings and would and have highly recommended him to friends and colleagues.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in London

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

James was recommended by our previous financial adviser, when he retired. I has proved to be an excellent choice for us.

How has James Caviel helped you?

He has sorted out our portfolio, and in particular achieved a very favourable outcome on one problematic investment made by our previous adviser. Our investment portfolio now looks to be well structured to meet our future needs.

Have you seen the outcome you were hoping for?

Yes - we have achieved very good growth in difficult market conditions.

What could they have done better?

Although we have a planned annual review, on occasions we have had to initiate planning for the meeting.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Essex

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

My previous financial advisor retired and my finances had not been reviewed for a while, James Caviel was recommended to me by the company my previous financial advisor worked for.

How has James Caviel helped you?

James did a full and comprehensive review of my finances, providing me with a full and comprehensive portfolio of options that I could take to update my investments. James took time to understand my financial needs and explained everything so that I felt confident in changing my investments with the promise of regular reviews and access to see how they were performing online. The review provided me with a comparison of different companies and also an explanation of what would happen if I decided not to change my investments. James's team were very friendly on the phone when arranging appointments and explained how everything would work, taking all the hard work and worry away from me. All paperwork sent to me had clear instructions on what I needed to do, and anything I wasn't sure of was explained over the phone when I rang the office. The changes made went very smoothly and happened just how I was told that they would.

Have you seen the outcome you were hoping for?

I have seen the outcome I was looking for, although it is early days of my financial relationship with James Caviel, I am confident that this professional relationship will continue into the future. I am happy that I will be receiving regular reviews with James as this is something which I was not getting before. My needs were met with the products recommended to me.

What could they have done better?

I was happy with the service provided

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Planning for retirement and how to maximise my investments.

How has James Caviel helped you?

Providing monetary advice to enable me to make the decision that I could afford to take the step to retire. I live a distance from the company and the use of telephone and email has enabled me to receive James' comprehensive advice.He is also approachable on the telephone and will answer my questions in a way which makes the complex understandable.

Have you seen the outcome you were hoping for?

We are in the process of re-organizing my financial situation. James has provided very clear explanations for the proposals he drew up for me.

What could they have done better?

We have had some difficulty at times when we have set a time to make a telephone call and James has been delayed. However, I have mainly been given notification of the delay by the staff from the office.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in London

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

Very poor experience with previous Financial Advisor.

How has James Caviel helped you?

Understood my previous problems. One of the strengths of James Caviel is that he listens and cares! I felt that he was up to date in the advice given to me for my future needs with clear, easily understood explanations. I received confirmation in writing of all points raised at our first meeting. I was reassured that my present and future needs were in good hands.

Have you seen the outcome you were hoping for?

Yes, definitely. I receive updates on a regular basis with relevant advice. James Caviel is easily approachable and has good office staff to back him up. James Caviel also advised and helped with a claim against the previous Financial Advisor and Arch Cru resulting in several thousands of pounds reimbursement.

What could they have done better?

Difficult to think of anything. I am usually reluctant to recommend a service but not so with James Caviel. Have recently recommended James and the feedback from my friends is all to the credit of James.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Essex

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

I was looking for advice on inheritance planning and preparing financially for an impending early retirement.

How has James Caviel helped you?

James thoroughly reviewed my financial situation together with my requirements and objectives. James quickly exhibited a comprehensive understanding of my situation, requirements and objectives. Based on his understanding James clearly described the options available and how they met my requirements and objectives. Where necessary, based on my mis-understanding, James happily repeated areas. My desired outcomes were an agreed retirement/pension strategy, an agreed investment strategy and an inheritance strategy together with a set of recommended options to achieve the agreed strategies. James provided these desired outcomes.

Have you seen the outcome you were hoping for?

Yes I have seen my desired outcomes, namely, an agreed retirement/pension strategy, an agreed investment strategy and an inheritance strategy together with a set of recommended options to achieve the agreed strategies. I am happy with these outcomes. As I am just at the stage of implementing the agreed strategies and making the investments it is too early to say whether the outcomes will be achieved in terms of returns. I am happy that based on the contribution from James the chances of achieving both my desired outcomes and the desired returns from those outcomes are improved.

What could they have done better?

James has provided a high quality service during all of our meetings and his supporting documentation and briefing notes have greatly helped. Areas where I believe James has room for improvement are response times to requests and seamless communication between James and his office support team. With regard to response times a service level is provided but it is not always met. With regard to communication I understand that briefing documents and a central repository exist, however, there have been times when instructions or information have been missed. Overall I am very happy with the high quality service I have received and would recommend James.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Essex

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

Impending divorce.

How has James Caviel helped you?

Evaluation of my pension and that of my wife with a view to an amicable settlement.

Have you seen the outcome you were hoping for?

Excellent advice provided.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in London

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

After the death of my husband i needed guidance and advice on our assets.

How has James Caviel helped you?

James helped arrange our finances into a manageable portfolio and advised me how best to secure it for my children's future.

Have you seen the outcome you were hoping for?

Our portfolio is reviewed regularly, it continues to grow and give us an income.

What could they have done better?

i would say here how l could have done better. I should have consulted James sooner but l was so worried about doing the wrong thing and putting my trust in the wrong people. Finding James was a very good day and as l said, if l had found/consulted him earlier he could have saved me a lot of money and worry.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Norfolk

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

Old adviser stopped trading.

How has James Caviel helped you?

By picking up the pieces where previous adviser had left me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I think he did his job very well.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in East Sussex

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

I wanted to insure I was making the best of my savings and pension planning.

How has James Caviel helped you?

He visits me annually to discuss the latest position and he, or one of his team is always available at the other end of the telephone.

Have you seen the outcome you were hoping for?

Always would like more but yes!.

What could they have done better?

Perhaps on occasions a simpler summary of some of the documents I have received from him.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Hampshire

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

Need, as not having knowledge of this field of expertise.

How has James Caviel helped you?

In taking over from a previous advisor.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Reviews, not necessarily ace to face, but observations on the market and my particular investments would be welcomed say half yearly

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in London

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

My wife and I were nearing retirement age and needed someone to advise us about the best way to invest our savings to secure adequate income for the future.

How has James Caviel helped you?

James has placed our savings in low risk investments which have grown to allow us to draw income without reducing our capital when the time is right.

Have you seen the outcome you were hoping for?

Yes indeed.

What could they have done better?

Providing us with a report about our review meeting a bit more timeously.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Kent

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

My long-term advisor had left Williamd and Pomphrett, and W and P had incorporated CWS to deal with investments like mine.

How has James Caviel helped you?

I found him pleasant easy to listen to and explanatory, which I like. He told me of changes I might have made according to the questions I asked him. When I decided to remain with the status quo he seemed to agree and there was no pressure on me whatsoever. I appreciated this. The resume he sent after our meeting gave me the opportunity to look back on what we had discussed. I found it excellent.....,extremely pertinent and helpful.

Have you seen the outcome you were hoping for?

As I decided to stay with the status quo, you could say the overall I'm pleased with this decision, although the decision was really mine. I could say, that if and when I feel a need for change, James could be a great help.but that's for the future.

What could they have done better?

I can only say that the service I received from James could not have been bettered, and although my needs were not great at the time, I gained from listening to him. I liked his promptness, both in appointments and more importantly, when I asked by email for an answer to one small question his response was almost on the rebound !

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Kent

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

I have been a client of James Caviel since I first set up a pension in my early 20s.

How has James Caviel helped you?

He set me up with a good pension and then advised me on moving that into a SIPP. He also set me and my wife up with our life insurances.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

He could have seen the slow down in the Portuguese property market, but then again not very many people saw that coming.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in London

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

I was hoping to retire in a few years time and wanted advice on the best way to go about it.

How has James Caviel helped you?

I have a few rental properties and some good pension provisions. However it's really difficult to know how much you actually need once you,take the plunge and retire . James and I have gone through several retirement scenarios and this has helped me plan safely and confidently for the future.

Have you seen the outcome you were hoping for?

Yes I'm just about to retire and everything is in place.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Essex

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

Looked for a reliable advisor to roll several pension schemes into my SIPP umbrella.

How has James Caviel helped you?

Listened to my needs and took everything from there. I received clear instructions when required but the whole thing was handled for me which was great as I thought it would be hugely complicated prior to my enquiry.

Have you seen the outcome you were hoping for?

Absolutely.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Surrey

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

I was a young man starting out my career in the city 26 years ago ,and was given James Caviel name.

How has James Caviel helped you?

He set out a saving and pension plan.

Have you seen the outcome you were hoping for?

After 26 years of business with James, I am close to retirement and James has exceeded all expectations, both in level or service, advice and on my returns on my investment.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Essex

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

I need to change my pension arrangements following a change in my personal circumstances.

How has James Caviel helped you?

James provided advice and options available to me.

Have you seen the outcome you were hoping for?

Yes.

First impression from a user who is not yet a client

November, 2015

Overall

Please provide a brief comment about your experience with James

James was very easy to talk to and clear on what he could offer and his fees. I felt comfortable dealing with him and I look forward to hearing his proposals.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with James

Fast and polite correspondence with James, we were made to feel comfortable and relaxed, and James probed into our affairs in a reassuring manor, we are very happy in what we discussed.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in Avon

How has James Caviel helped you?

James was entirely professional throughout and very easy to deal with. He made my wife and I feel very comfortable with the process.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has James Caviel helped you?

James was introduced to us by our previous long term advisor who was retiring. He worked with us to set out a plan to protect our investments and pensions, get our wills in order and plan for retirement. Everything was done with good humour and transparency. James always came and visited us in our home at our convenience. It was a pleasure working with him.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Rutland

How has James Caviel helped you?

I had a variety of frozen pensions with a variety of providers and no clear idea of what I had or what is was doing. It needed a review and like a lot of people other projects diverted my attention. When James and first came to see me he followed this meeting up with a comprehensive report on my options. I eventually decided to do something about his recommendations however due to the elapse of time James colleagues pulled a revised report together with more upto date data without fuss. They were also able to organise the swift payment of some tax free cash and then tidy up the pensions into a more robust structure with a more cohesive investment strategy, which is managed by a Discretionary Fund Manager on my behalf and overseen by Capital Wealth Solutions ltd.

What could they have done better?

Happy at present and my first review is due shortly to assess the progress thus far so will have to see.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has James Caviel helped you?

James has simply explained everything very clearly and patiently with me. He has consolidated some poor performing investments for a more suitable investment portfolio. Nothing has been too much trouble and when I need to speak to someone and he isn't about his team at the office are excellent and on the ball.

What could they have done better?

Nothing, keep up the good work.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in London

How has James Caviel helped you?

I was slightly baffled by my savings before James and his team helped me understand all my options. They worked patiently and diligently with me to make sure I was happy and understood everything before I finally proceeded with the recommendation. Charges, fee's etc. were all laid out very clearly and I now have full access to all my information should I need it through the internet. I have found James easy to work with, professional, diligent and able to articulate complex issues in relatively simple terms.

What could they have done better?

Nothing at present, James has had to rearrange a few meetings but weather and tube strikes haven't helped.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has James Caviel helped you?

James took over from my previous adviser who retired in 2011. James has kept me upto date with my investments and has taken the time and care to deal with a number of sensitive issues recently around my Last Will & Testament. Working patiently to ensure I understood everything. His back up team are very good, are always friendly and have time to resolve any issues.

What could they have done better?

Can sometimes run late for meetings but, usually someone makes contact to keep me posted, I found the initial reports a bit baffling, but I understand that he has to go over a lot of details. Having said that he didn't rush me into any decisions, I was left to reflect, which I thought was good.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Hampshire

How has James Caviel helped you?

James has been our adviser since 1991. He has always presented all the options with all the costs and details. pros & con's. He is and has always been diligent, professional, candid and measured. A high level of knowledge on a number of topics of interest to us, Investments, Pensions & Tax. No real issues in 24 years of dealing with James we have had no complaints

What could they have done better?

Happy with everything at present

First impression from a user who is not yet a client

January, 2014

Overall

Please provide a brief comment about your experience with James

Recommended someone with expertise specific to our needs - very helpful!

Review from verified client

January, 2014

Overall

Advice

Service

Value

Based in London

How has James Caviel helped you?

James Caviel is a friendly, knowledgeable, efficient and thorough. In fact, all the assets a good financial adviser should have. I'm looking forward to continuing our professional relationship.

First impression from a user who is not yet a client

December, 2013

Overall

Please provide a brief comment about your experience with James

Knowledgable, polite and efficient response.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Hertfordshire

How has James Caviel helped you?

I have found James & the Staff at Capital Wealth Solutions Ltd to be very efficient, honest and diligent. A previous bad experience left me feeling very sceptical about the industry and James and his team have restored that confidence. He has guided me through some very difficult times with a failed investment recommended by my previous adviser. He has kept me upto date with the latest developments and advised me on how to deal with the myriad of forms now being sent to me as I seek reimbursement from the previous adviser. In terms of my portfolio this produces a steady and reliable income together with capital growth and James is usually quickly available if I have a query or a member of his team usually can help with any administration issues.

What could they have done better?

I am delighted with his input and can honestly say I am happy.

Review from verified client

October, 2013

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Based in Surrey

How has James Caviel helped you?

- New customer of company (2 years). - Impressed with level of service. - Speedy response time. - Practical no nonsense advice with reasons. - Company has team that works well together. - Investment advice good and has improved my pension fund returns.

What could they have done better?

- Currently I have no complaints.

Review from verified client

October, 2013

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Based in Cambridgeshire

How has James Caviel helped you?

Over the years, James Caviel has provided excellent support and help in providing financial advice. At all times he took on board that I felt I was merely custodian of my mother's money and I had to invest it in such a manner that I could maintain her standard of care in the care home that the family had chosen for however long it took for the disease to take itÂ’s course. On occasions this meant that I was perhaps somewhat wary of taking risks but James always clearly laid out the options and was totally supportive of any decision taken. From his initial help in reorganising what had been a rather chaotic share and investment portfolio, to regular reviews and updates James always listened to my concerns and gave advice in an appropriate manner. When my Mother passed away James was there again to help us with the winding up of her estate and then handling the inheritance for us so we could use her money towards our own personal financial goals. My husband and I have always found James to be a person of high integrity who has provided help, support and advice in a friendly and easy to understand manner. He has always taken the utmost care to ensure he has tailored his advice to our needs.

Review from verified client

October, 2013

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Based in Middlesex

How has James Caviel helped you?

James took over from a previous poor performing IFA who I could never get hold of resulting in my losing all trust and confidence in the finance industry. However. after my previous bad experience, James was like a breath of fresh air. There is no hard sell with James. He is easy to get hold of, open, honest, pleasant, approachable, knowledgeable and he speaks plain English. Since taking me on as a client in 2009 James and his associate Peter Bridges have worked hard recouping most of my losses. I find it very reassuring being able to view my portfolio on line. James' charges aren't cheap but I've not compared his charges with others to see how competitive they are which is why I've given "good" rather than "very good".

What could they have done better?

Back office administration and communications could be improved upon: in particular when James has delegated tasks to others as, frustratingly, I've had to "chase" from time to time for information/progress following my giving instructions. Even so, back office staff have been unfailingly pleasant helpful and courteous when they have got back to me. Overall I am pleased to say that my experience with Capital Wealth Solutions has been a positive one and I would recommend his services to others.

Review from verified client

October, 2013

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Based in Hertfordshire

How has James Caviel helped you?

James is extremely helpful, recently popping in when some confusing paperwork arrived that I had to sign and return promptly. He has made sure he explains everything to my and always checks my understanding. He also provides my Great Niece with copies of all reports and letters so I can discuss any issues I have with her, which is very professional and considerate.

What could they have done better?

Nothing

Review from verified client

October, 2013

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Based in Hertfordshire

How has James Caviel helped you?

James keeps me informed, he organises regular visits and explains complex technical in an articulate understandable manner, always with wit charm and clarity.

What could they have done better?

No major issues.

Review from verified client

October, 2013

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Based in Essex

How has James Caviel helped you?

Through is knowledge of Pensions Legislation James was able to advise my business partner on I on how to make substantial pension contributions into a pension scheme. This was highly efficient for me as an individual and saved the company several thousands in Corporation Tax. Subsequently James was also able to help my wife create a tax efficient solution for extracting capital from our Company and when we I wanted to purchase a Commercial Property using my pension scheme James' experience again was useful in being able to get the property purchase approved in double quick time, despite the exchange and completion date being just 10 days after my offer was accepted and 4 days into his annual family holiday. At all times James and his staff kept me upto date on progress and continue to liaise with us as administrative, tax or investment issues arise.

What could they have done better?

Quite happy with everything.

Review from verified client

October, 2013

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Based in Kent

How has James Caviel helped you?

James took over from our previous long term financial advisor & was very friendly, approachable & open about the differences in the service he would offer. We paid for a very comprehensive Financial Plan & in meetings convenient to us, we're given options and all fees were openly discussed, at no time did we feel pressurised to go with James' company. We decided to go ahead & now everything has been settled with regard to moving some of our lesser performing pensions, we have been able to go to James' efficient and friendly staff with any queries we have. The charges, whilst not cheap, are as expected with no nasty surprises. Best of all for us, our accounts can be viewed online whenever we like. Overall we are very happy with the excellent service provided by James and his colleagues.

What could they have done better?

- I'm happy to say my one gripe was resolved, which was that I wanted to be able to see the overall performance of my pensions and savings in relation to when they were moved from previous companies, which whilst available, was difficult to see amongst all the transaction and charge entries available online. James provided a clear report showing starting positions, charges and current positions in an easy to understand format, which I hope could be provided to all his clients. - My suggestion is that James emphasise more to his clients that due to the lump sum charges at the start of any moves of pension that it is possible that there could be an initial loss over the first few quarters, as this can be quite a shock when you see your overall portfolio has reduced rather than increased (even though you understand the risks involved in investments).

Review from verified client

October, 2013

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Based in London

How has James Caviel helped you?

james has provided unbiased constructive and value-added long-term financial advice, with a specialisation on retirement planning and maximising tax benefits, something we could all do with extracting the maximum value out of. He has worked with my Wife & I since 1995 and has accompanied us through the purchase of our first property, marriage, the birth of our children, promotions, redundancies and that life has thrown at us. Always patient, always willing to go the extra mile, we have recommended James both to other family members, but also work colleagues and close friends and all have been satisfied with James and his team.

What could they have done better?

Very happy nothing to add.

Review from verified client

October, 2013

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Based in Hertfordshire

How has James Caviel helped you?

I found James Caviel to be knowledgeable and understanding of my situation and prepared to go the extra mile to organise my financial affairs. He always answered questions clearly and is excellent.

What could they have done better?

Not much! Mind you our emails addresses were not compatible at first for some reason which was frustrating but no one's fault.

Review from verified client

October, 2013

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Based in London

How has James Caviel helped you?

We are a married couple with limited amounts to invest to provide sufficient funds for our retirement. James understood our need perfectly and was able to structure our investments in low risk equities which has given us greater financial secure and made us believe that a fairly comfortable retirement will be possible.

What could they have done better?

The initial Financial Action Plan booklet that James gave us after our initial meeting had a number of "typos" and incorrect referencing probably from copying and pasting from other documents. A minor issue nevertheless.

Review from verified client

October, 2013

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Based in London

How has James Caviel helped you?

James has helped us establish a complex trust framework for our mother, explaining it in simple layman's terms, he has traveled to see my mother for several meetings and on each occasion dealt with her with charm, courtesy and clarity. More recently we have had to register a Power Of Attorney, having lost the original documents, James and his team have contacted the Court of Protection, retrieved documents and then set about registering the Power Of Attorney with all of my mothers providers, this has included him contacting Share Registrars and Building societies. At all time James and his team have kept me as POA completely up to date on whats happening and any further documentation required is quickly dispatched, always partially completed with a full explanation of whats required and why. As an extremely busy person, this level of care and attention is priceless and why we have retained James and his team as our adviser since 1995. He has been dealing with my mother since 2010.

What could they have done better?

Very happy at the moment.

Review from verified client

October, 2013

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Based in Hertfordshire

How has James Caviel helped you?

James is very approachable and takes trouble to make sure that I understand exactly what is being offered even if that means explaining more than once.

What could they have done better?

Nothing at the moment.

Review from verified client

October, 2013

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Based in Hampshire

How has James Caviel helped you?

I have always received expert advice from James Caviel and he is always available if I need any help . I would gladly recommend his services .

Review from verified client

October, 2013

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Based in Hampshire

How has James Caviel helped you?

I get clear and concise quarterly updates along with a full annual review. Interim revies and questions are no problem.

What could they have done better?

I am fairly happy with the whole process. It might be helpful to send out a checklist/questionnaire prior to the review so that nothing "slips through the net" at the face to face meeting.

Review from verified client

October, 2013

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Based in Avon

How has James Caviel helped you?

Keeps me informed of better investments as they arise. Helps me buy/ sell to maximise profits, by regular visits.

What could they have done better?

Nothing

Review from verified client

October, 2013

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Based in Buckinghamshire

How has James Caviel helped you?

I have been dealing with James since 1995 and he has provided useful and sound advice whenever approached for guidance. Over the last few years he has mainly dealt with my Pensions and contacts me whenever required for a review or further advice.

Review from verified client

October, 2013

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Based in Hertfordshire

How has James Caviel helped you?

James took on my financial affairs at a very difficult time in my life. I had just lost my husband in May 2012 and as in many households he had always dealt with all the money matters. Luckily, I found myself well provided for, but money was tied up in pensions, savings plans and my husband's business. Without James' help I would never have found my way through all the paperwork and the financial maze. With great kindness and patience he has helped me access the money - he even filled in the probate form for me and he is still helping me with the tax returns and closing down the business. Six months after that my mother died and he was again a huge help setting me on the right path to sort out inheritance tax. He has now advised me on investments to bolster my much depleted income. After meetings he always sends me a very clear account of what we have discussed in language that I understand. He is always available on the end of the phone if I need advice and he even took the time to organise and file away my muddled papers the last time he visited. Nothing is too much trouble and is always dealt with promptly and with good humour. Thanks James!

Review from verified client

October, 2013

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Based in Surrey

How has James Caviel helped you?

a highly professional service and a very clear understanding of what I need .after considering my attitude to risk, I receive a clearly written report with recommendations . should any clarification be required , a meeting is promptly arranged and further explanations provided. the charge for this service I regard as entirely reasonable and competitive and fully explained to me.

What could they have done better?

as I was given a choice about the level of service, and therefore the cost of providing the service that I felt was applicable to my circumstances, I am not able to think of any particular aspect that needs improvement although as time goes on , that may change as circumstances often do.

Review from verified client

October, 2013

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Based in Surrey

How has James Caviel helped you?

just a very competant, professional service.

Review from verified client

September, 2013

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Based in London

How has James Caviel helped you?

James builds a good relationship, maintains it, he offers general advice and assurance on various monetary matters. This is going the extra mile!

What could they have done better?

Any and all negative aspects should be very clearly highlighted.

Review from verified client

September, 2013

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Based in Surrey

How has James Caviel helped you?

James or a member of his team respond immediately to any phonecall or email. He is polite, unassuming and good company. He has given good advice over the years, but knows when to bring in other advisers or fund managers with either more knowledge or people he felt would help us achieve our long term financial goals. He has always started every review meeting confirming our needs and objectives and advising us to act accordingly to achieve this. I trust James, his honesty and integrity are something I never doubt.

Review from verified client

September, 2013

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Based in Essex

How has James Caviel helped you?

He is excellent at providing practical and relevant advice, vigilant in ensuring that you have understood what he has advised and why. Having had many financial advisors over the years, the experience I have had with James's more considered approach leaves me feeling considerable more confident "in safe hands".

Review from verified client

September, 2013

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Based in Essex

How has James Caviel helped you?

James Has Helped Me Deal With A Number Of Complex Issues Over The Last Few Years, Including Bereavement And Helping Me Deal With The Probate Process For Which I Am Eternally Grateful.

What could they have done better?

Nothing I Can Think Of At The Moment

Review from verified client

September, 2013

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Based in Hertfordshire

How has James Caviel helped you?

Spends time understanding your needs and aspirations

What could they have done better?

Work on written presentation skills

Review from verified client

September, 2013

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Based in Hertfordshire

How has James Caviel helped you?

Just taken over my account from previous adviser who recently retired. He is very good at explaining, in layman terms, complex financial issues.

Review from verified client

September, 2013

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Based in Surrey

How has James Caviel helped you?

James clearly explains and dealt with the consolidation of all my finances from a number of different sources without any complications or issues.

Review from verified client

August, 2013

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Based in Middlesex

How has James Caviel helped you?

He is immediately available, for expert advice and discusses various options

Review from verified client

August, 2013

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Based in Hertfordshire

How has James Caviel helped you?

Quickly understands the client's needs and is able to present comprehensive and professional proposals. James is very approachable and personable. He has a deep understanding of investment and tax affairs but can communicate in plain English.

What could they have done better?

These comments are made to help, not to criticize: Punctuality and keeping to planned appointments has not been 100%, possibly during a period of rapid expansion for the company. One isolated instance of an important document getting lost in the post suggests that a policy of using recorded delivery should be agreed with clients. Acting well in advance to avoid timing pressures e.g. end of tax year could be better.

Review from verified client

August, 2013

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Based in London

How has James Caviel helped you?

James has been very helpful and offered constructive proposals.

What could they have done better?

James is very professional and I can offer no suggestions.

Review from verified client

August, 2013

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Based in Buckinghamshire

How has James Caviel helped you?

James has looked after my pension fund and my late mother's savings for several years now. We have always been very happy with his personal approach and the care with which he explains his advice in face-to-face meetings. My wife and I have great confidence in James. We trust him and so we plan to increase our portfolio with him in the near future.

What could they have done better?

No complaints.

Review from verified client

August, 2013

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Based in Hertfordshire

How has James Caviel helped you?

Keeps me well informed and reviews the situation on a regular basis

What could they have done better?

I am happy with service he gives and would contact him if I had any worries.

Review from verified client

August, 2013

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Based in Hampshire

How has James Caviel helped you?

Easy to deal with, good response time, understood what was required and supplied accordingly.

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August, 2013

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Based in Surrey

How has James Caviel helped you?

Personal attention to client details; Knowledgeable product details; Happy for face to face meetings; Friendly mannner, while retaining a businesslike attitude - no impersonal hard sell.

Review from verified client

July, 2013

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Based in Bedfordshire

How has James Caviel helped you?

Honest and Trustworthy. Responds positively to any concerns raised and has resolved problems satisfactorily.

What could they have done better?

Internal administration could be more efficient. There has been a need in the past for me to check myself a number of issues but these have all been sorted out - although not always very quickly and it has been necessary to chase matters up from time to time.

Review from verified client

July, 2013

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Based in Kent

How has James Caviel helped you?

James and his team took over from a poor performing IFA and returned my pension fund to a far healthier condition. His personnel approach is excellent and meetings are well formulated and conducted in my home which I find very convenient and stress free.

First impression from a user who is not yet a client

July, 2013

Overall

Please provide a brief comment about your experience with James

Review from verified client

July, 2013

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Based in Hampshire

How has James Caviel helped you?

Review from verified client

July, 2013

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Based in London

How has James Caviel helped you?

Very responsive and provides excellent feedback on options available. All meetings formally recorded so that agreed actions can be actioned and progress monitored. Provides regular and easy to understand feedback on portfolio performance and fees charged.

Review from verified client

July, 2013

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Based in London

How has James Caviel helped you?

Is linked to a good share investment company. Is very responsive to emails.

Review from verified client

July, 2013

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Based in London

How has James Caviel helped you?

At initial meeting listened and understood my requirements. A follow up meeting confirmed this . Very good at explaining clearly the proposals being put forward, never putting pressure to agree with proposals. Once accepted, again going over what has been decided. In short - listens, understands and explains well. Has good financial and office back up teams which are easy to contact.

What could they have done better?

At the moment do not have any constructive suggestions

Review from verified client

July, 2013

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Based in Hertfordshire

How has James Caviel helped you?

James has given us personal service in an efficient and competent manner. We have confidence in his perceptions of finance and find him to be astute and skilful in our financial affairs.

What could they have done better?

Since we have known Capital Wealth we have been unable to find criticism.

Review from verified client

July, 2013

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Based in Suffolk

How has James Caviel helped you?

Explains in detail what he expects to achieve with regard to my investment.

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July, 2013

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Based in Hertfordshire

How has James Caviel helped you?

Affable, approachable and advises based upon my ethos and comfort zone

What could they have done better?

More frequent feedback which is easier to interpret - but the problem has been around my availability rather than his

Review from verified client

July, 2013

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Based in Essex

How has James Caviel helped you?

It is very important to have honesty and trust with your advisor, I live on my own and have found my advisor is very helpful, in a couple of unexpected situations i have needed money to go into my bank account. I made a request for a transfer and it was in my account the next day. The girls in the office are very efficient and friendly. I am happy with James Caviel as my financial advisor. I have a meeting once or twice a year to keep my financial situation updated.

What could they have done better?

I had a few problems in the beginning, but my advisor at the time was retiring, James Caviel was researched out of numerous candidates for the merger, I was happy, but it did take time to get staff and takeover period to gel.

Review from verified client

July, 2013

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Based in Hertfordshire

How has James Caviel helped you?

I have complete confidence in the advice James and Peter Bridges give me. They are always available when I need to ask questions re: my portfolio.

Review from verified client

July, 2013

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Based in Hertfordshire

How has James Caviel helped you?

James is a joy to deal with . He takes time to listen to my questions and concerns and gives me straight forward answers. The staff in the office are all on the ball and respond very quickly . I couldn`t hope to have a more helpful and friendly company to deal with.

What could they have done better?

Been thinking for a couple of minutes and sorry but he fits the bill. I have only dealt with James for a couple of years ( he took over my previous advisers business ). Naturally I was a bit concerned as I had a long relationship with the previous chap. He quickly put me at ease and has done everything he promised.

Review from verified client

July, 2013

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Based in Kent

How has James Caviel helped you?

James took over advising me on pensions and general financial advice from my long standing previous financial adviser when he retired. He has visited me at my home on two or three occasions and he has always taken the time to explain the reason for his advice. I have also contacted his office a few times and found them very helpful and friendly.

What could they have done better?

Not sure - time will tell

Review from verified client

July, 2013

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Based in Norfolk

How has James Caviel helped you?

James talks in a language I understand. It's early days to be able to give a true statement of how James is managing my pension fund. The proof will be in this years review to see if James has covered all his costs and made me at least ten percent on my capital So that I can take out my yearly draw down with out depleting the capital sum.

What could they have done better?

Reassurance is every thing. I need to know that I don't have to worry about my future needs in my pension years.

Review from verified client

July, 2013

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Based in Essex

How has James Caviel helped you?

James is very professional, knowledgeable and able to apply his knowledge in a practical manner so that clients can understand it easily. He has offered me some very useful pension investment and tax planning advice. James has a strong ethical code; he believes in transparency for fees. Good advice costs money; it's a fact of life. But the old commission-based model gave bad value for money to clients and James encourages clients to move away from such products.

What could they have done better?

I think he does a very good job and I don't see any areas worth commenting on

Review from verified client

July, 2013

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Based in Avon

How has James Caviel helped you?

James helped set up my SIPP in a very professional manner with great attention to detail .

What could they have done better?

None