Gareth Higton

Review from verified client

May, 2021

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

Need for setting up private pension.

How has Gareth Higton helped you?

Provided a life audit, considered options, examined what would suit my circumstances best and set the fund up.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing more than he did.

Review from verified client

April, 2021

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

Started trading via my new limited company, had 7 different pension schemes so wanted to assess best way forward.

How has Gareth Higton helped you?

Went through all aspects of my finances and pension considerations.

Have you seen the outcome you were hoping for?

Yes - pensions consolidated and ongoing advice secured.

What could they have done better?

Sometimes got lost in the explanations and struggled to keep up but got there eventually.

Review from verified client

January, 2021

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

A life assurance policy is due for review after 20 years .

How has Gareth Higton helped you?

Supplied alternative quotes which are much more appropriate and tax efficient than 20 years ago .

Have you seen the outcome you were hoping for?

Indeed

What could they have done better?

N/A

Review from verified client

December, 2020

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

Lump sum payment

How has Gareth Higton helped you?

Administrator

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Review from verified client

December, 2020

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

Equity release from old pension schemes start an investment portfolio and a letting business to give me a broader pension income base

How has Gareth Higton helped you?

A full financial plan for myself and wife to best achieve our targets with retirement Giving us a personalized view of potential options and results of those different investment options Keeping us fully informed, without any pressure

Have you seen the outcome you were hoping for?

The result was far better than I expected

What could they have done better?

I honestly can’t think of a single thing that he could improve on He listened to our expectations of a future retirement and gave us a detailed personalized review of ways to achieve that

Review from verified client

December, 2020

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

I wished to review our SSAS and personal pensions in order to simplify and streamline.

How has Gareth Higton helped you?

Gareth reviewed our varied pensions and returned to discuss the options for consolidating and simplifying matters. A route forward was agreed and we now have a greater understanding, awareness and self monitoring of our pension position.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I’m aware of.

Review from verified client

December, 2020

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

Moving my pension from a company fund to a SIPP

How has Gareth Higton helped you?

He checked that it was the best think for me to do in my circumstances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am happy with the service I received and my investment is doing well despite the current global situation

Review from verified client

December, 2020

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

Changing provider

How has Gareth Higton helped you?

Sorted the best deal available

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Review from verified client

December, 2015

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

Pension re-investment.

How has Gareth Higton helped you?

Advised on which funds to move the pension to and arranged pension drawdown.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

October, 2015

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

My pension and stock and shares ISA required a complete review.

How has Gareth Higton helped you?

Gareth was able to explain the different options available to me and what level of risk i was comfortable with to give me the best possible return on my investments.

Have you seen the outcome you were hoping for?

I have taken early retirement and morgage free.

What could they have done better?

Nothing springs to mind.

Review from verified client

October, 2015

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

Recently moved back to England and cancelled my previous life insurance abroad. Spending hours on compare sites and not getting any where on the telephone. I was given Gareth Higton's details and decided that this was the way forward! This is how I would eventually get my life insurance sorted out in England!.

How has Gareth Higton helped you?

Gareth was a delight to work with. He was very professional and helped me understand in plain English exactly what I was signing up for. I would recommend his services to anyone.

Have you seen the outcome you were hoping for?

My life insurance has been approved and I am delighted to know that my family and I are covered.

What could they have done better?

I can honestly say I have no faults with Gareth's work ethics. He is exactly what you need from a financial advisor.

Review from verified client

September, 2015

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

We were due to go into auto enrolment on 1st August this year. I went to a seminar on auto enrolment and I realised I needed independent advise to help choose the right workplace pension for my employees and to make sure we staged successfully.

How has Gareth Higton helped you?

He did some research and chose a pension scheme for us. The pension scheme he chose lost its approval from HMRC only 2 weeks before we were due to stage. Fortunately, Gareth had kept a pension scheme as a back up and we still managed to stage on time. Gareth also liaised with our payroll providers. We were our payroll provider's 'guinea pigs' for auto enrolment but Gareth helped to smooth out any problems. Gareth also gave advice to any employees with existing pension schemes on whether or not it would be beneficial to transfer it into the new workplace pension. I have since transferred my own pension scheme into the new workplace pension scheme.

Have you seen the outcome you were hoping for?

We have successfully 'staged' as a company and my employees seem to be happy with the workplace pension scheme. They can access their own private online portals. Only one person has opted out of the pension scheme-someone who has gone on maternity leave for a year. I expect that she will rejoin the pension scheme when she returns. Some employees have increased their contributions. I chose to transfer my own pension into the new workplace pension as Gareth explained how much I would be saving every year with the lower charges and also how the pension provider lowers the risk of your portfolio as you get nearer to retirement age. The new workplace pension has achieved similar growth over the last five years to my previous pension-although I realise that this is not necessarily a guide to future performance. Also I can access my own private online portal at any time to see how the pension is performing.

What could they have done better?

I have not opted for the ongoing service from Gareth for the auto enrolment as that appears to be going OK. On a personal level, I hope Gareth continues to be just as helpful with my own pension.

Review from verified client

September, 2015

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

divorce and armed forces pension split.

How has Gareth Higton helped you?

He was always available to speak to and would return and answer any queries I had either by phone or email.

Have you seen the outcome you were hoping for?

It is now resolved after what feels like an age, though the time frame was nothing to do with Gareth, it was just the matrimonial situation.

What could they have done better?

I dont think Gareth could have done anything further for my situation

Review from verified client

September, 2015

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

Pension advice.

How has Gareth Higton helped you?

Gareth helped me understand my existing pension plan.

Have you seen the outcome you were hoping for?

Gareth assessed my retirement needs and helped find a new provider.

What could they have done better?

Nothing, Gareth is approachable and easy to talk to.

Review from verified client

September, 2015

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

Retirement planning.

How has Gareth Higton helped you?

Gareth advised and helped implement my pension transfer.

Have you seen the outcome you were hoping for?

The transfer is still ongoing so it's too early to tell.

What could they have done better?

Perhaps the only improvement could have been more regular communication.

Review from verified client

July, 2015

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

On the advise of my previous advisor I moved my pension to a new provider. Moving to the new provided caused me to be out of pocket by approximately £14,000.

How has Gareth Higton helped you?

Gareth reviewed my current pension plan and advised on other options and pensions.

Have you seen the outcome you were hoping for?

Yes. My pension has been moved to a new providrer.

What could they have done better?

nothing

Review from verified client

May, 2015

How has Gareth Higton helped you?

so far no problems with Gareth, hopefully don't envisage any.

What could they have done better?

too early to tell

Review from verified client

May, 2015

How has Gareth Higton helped you?

i have only been with gareth a few months but have found him very helpful and interested in getting to know me as well as managing my investments .

What could they have done better?

nothing up to now because i have only had a short time with him but i have no complaints so far.

Review from verified client

May, 2015

How has Gareth Higton helped you?

Gareth was punctual and had a pleasant manner.He was informative and made things easy to understand.

What could they have done better?

We can't really think of anything.

Review from verified client

May, 2015

How has Gareth Higton helped you?

Gareth was appointed to take full responsibility for setting up the auto-enrolment provision of staff pensions in the Society, within a strict timetable. He has promptly answered all questions/queries and, on his current performance, has given the Trustees every confidence that the Society will deliver its Pension auto-enrolment on time.

What could they have done better?

Difficult question to answer, since what he has done for the Society he's done well.

Review from verified client

February, 2015

How has Gareth Higton helped you?

Gareth is a highly organised and extremely professional young man. His friendly and warm approach towards his clients instantly puts them at their ease. I was needing professional advice about my Pension and other Insurance Policies following on from some recent changes in my life. Once knowing the relevant financial information from myself, Gareth set about discussing all of the possibilities that were open to me. The methodical and detailed approach that Gareth employed, left me feeling very confident that I could trust his advice now, and in the future.

Review from verified client

February, 2015

How has Gareth Higton helped you?

Very polite and punctual. Seems very knowledgeable in subjects discussed.

What could they have done better?

Not having had much experience in this field and little interaction with people like Gareth I don't have anything to judge against.

Review from verified client

February, 2015

How has Gareth Higton helped you?

Clear simple explanation of options.

Review from verified client

January, 2015

How has Gareth Higton helped you?

Very professional and highly recommended.

What could they have done better?

Maybe provide more alternatives to choose from

Review from verified client

January, 2015

How has Gareth Higton helped you?

Very helpful with explanations about what I needed and how to invest

What could they have done better?

More contact regarding investments

Review from verified client

January, 2015

How has Gareth Higton helped you?

could not be happier with Gareth he listened and delivered exactly what I wanted and asked for, thank you Gareth regards peter