Reviewed for

Insurance and Protection ( 2 )

Mortgages ( 2 )

Pensions ( 72 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 36 )

Auto Enrolment ( 2 )

Investments and Savings ( 26 )

Pension Transfers - Non Specialist ( 17 )

Inheritance Planning ( 14 )

Long Term Care ( 2 )

Pension Transfers - Specialist ( 11 )

Financial Planning ( 6 )

Financial Mentoring ( 1 )

Reviewers' assets

£500k+ ( 11 )

£200k - £500k ( 24 )

£100k - £200k ( 10 )

Up to £50k ( 4 )

£50k - 100k ( 5 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Northumberland

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

Pension advice.

How has David Hardman helped you?

He helped me to understand what i had to do to transfer my pension to another company who would give me more options.

Have you seen the outcome you were hoping for?

I got exactly what I wanted and David made this process very easy for me .

What could they have done better?

Nothing. I was really pleased with the results.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Durham

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

Retirement is pending

How has David Hardman helped you?

He was friendly very helpfull & no pressure at all his advise was first class

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing as his advise was just perfect I would definitely recommend his services as first class

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I had a number of different pensions and required advice as to what was the best cause of action to do with them… eg; lump them all together or various transfers to better performing pensions etc

How has David Hardman helped you?

David looked into all the pensions I had in great detail, explained the pro’s and con’s of each one and then advised as to what he thought would be the best cause of action in line with my personal objectives.

Have you seen the outcome you were hoping for?

Still early days however, following my own risk profile - I am starting to see the benefits of the advice and actions taken. David has also very kindly produced reports which clearly illustrates what my pensions could give me on a monthly basis commencing at my chosen retirement age. This report, for me makes it easy to understand, as for a non pension specialist they can at times be a bit confusing to grasp.

What could they have done better?

I am more than happy with the professionalism, time, effort and service that David provides… and to my knowledge there isn’t anything I’m aware of that could have been done better.

Review from verified client

November, 2023

Overall

Value

Service

Advice

Based in Cornwall

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

Needed some guidance many years ago; David was the man.

How has David Hardman helped you?

Straight forward, simple pension and investment advice based on an obvious sound financial background.

Have you seen the outcome you were hoping for?

Yes, so far so good.

What could they have done better?

N/A

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I needed a well established advisor who I could trust.

How has David Hardman helped you?

David has been a great help over the years. He's help with mortgages, wills, pensions and more. He's not only guided me personally but also give amazing advise for my business.

Have you seen the outcome you were hoping for?

Yes, his advice was outstanding.

What could they have done better?

Nothing.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Northumberland

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

I wanted to get a plan which would give me a monthly wage or top up to an existing wage so I could change my job.

How has David Hardman helped you?

He helped me to cancel my original pension which was my plan and I received a pension plan which gave me cashback and also gave me the option to draw some money each month if I needed it.

Have you seen the outcome you were hoping for?

Everything has turned out exactly how I wished and I couldn't be happier with the outcome.

What could they have done better?

I couldn't have asked for any better service. Really appreciated the help and support I got from David.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Trust fund

How has David Hardman helped you?

Yes he is always quick to respond and very professional

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing am extremely happy with the service

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Durham

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

Initially 4 years ago David was recommended to me when I needed advice on re-investing a frozen pension. On this occasion I required advice on inheritance planning as well as pension/retirement advice due to redundancy.

How has David Hardman helped you?

David has always analysed and explained all options available in a clear and concise manner. On this occasion he helped me understand wills and trust processes. He also carried out a cash flow analysis on my pensions, explaining and advising the long term view and the options available to me. This has been extremely helpful to allow me to make a decision on drawing a monthly pension/semi-retirement after the uncertainty of redundancy.

Have you seen the outcome you were hoping for?

Yes I’m very satisfied, I now have inheritance planning in place and my pensions are on track. David keeps me up to date with annual pension review.

What could they have done better?

Nothing, I’m very happy with David’s service and advice which he delivers in a professional, easy to understand and friendly manner.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Durham

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

Turning 55 I decided to use some of my pension

How has David Hardman helped you?

Enormously very professional top man

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Tyne and Wear

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

My husband died and I had no idea of finances

How has David Hardman helped you?

Advised and supported me through the whole process

Have you seen the outcome you were hoping for?

Yes

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Needed advice on where to invest son’s inheritance

How has David Hardman helped you?

Gave detailed information on options available and carried out risk profile assessment

Have you seen the outcome you were hoping for?

Yes happy with advice gives and investment made

What could they have done better?

No improvement needed, happy with service provided

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Northumberland

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

To draw a monthly wage from a private pension.

How has David Hardman helped you?

David was very helpful when I sought advice from him and made it very clear and easy for me to arrange the plan.

Have you seen the outcome you were hoping for?

I'm really satisfied with the service and outcome. He made what I thought would be a complicated process very easy.

What could they have done better?

Nothing as far as I am concerned.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I had a number of pensions from previous employers and needed specialist advice as to where best to place these.

How has David Hardman helped you?

David looked into each pension individually and advised on what to do with each one to maximise my returns come retirement age. David has also helped me understand the differences between each of my pensions and presents a comprehensive annual performance report including illustration/graph projections of my financial options come retirement age.

Have you seen the outcome you were hoping for?

Outcomes/growth have been visible over the past few years baring a recent dip due to the current economic climate. In summary however, everything looks to be on track heading towards my retirement age.

What could they have done better?

Nothing really, I'm extremely happy with the advice and service that David provides.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Durham

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

Initially 2 years ago I needed advice on a frozen final salary pension which I was considering drawing down and reinvesting. David was recommended to me and I have also since received invaluable advice on other financial matters.

How has David Hardman helped you?

David gave informative advice in a clear and easy to understand manner. He did a thorough analysis, explained the options available and pointed out the advantages and disadvantages, which helped me to make my decision. Since then I have also received advice from David on financial and inheritance planning, again he explained very clearly and gives me time to think over and decide without putting me under pressure to make a decision.

Have you seen the outcome you were hoping for?

I’m very happy with the outcome of my re-investment and David’s services, he keeps me up to date with my annual pension review.

What could they have done better?

Nothing that I can think of. He is always on hand to give clear, good advice in a friendly, helpful and professional manner. I would be happy to recommend him.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I received an inheritance and also sold my business. I wished to invest wisely to benefit my retirement and future plans.

How has David Hardman helped you?

David helped me immensely by discussing all the different options available and explained each option thoroughly in relation to what I was expecting to achieve.

Have you seen the outcome you were hoping for?

Yes I have . Even though the markets have been volatile David’s reassurance and explanation gave me the confidence to decide what was the best option for me.

What could they have done better?

Nothing . David always replies to calls and texts promptly and arrives on time to scheduled meetings .

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Myself and my wife were coming into retirement and wanted more information on our pensions and how to consolidate them.

How has David Hardman helped you?

David has provided advice on our pensions and what to do. He provides us with all the information we require and gets back to us pretty much straight away.

Have you seen the outcome you were hoping for?

Yes, David has done a great job helping us.

What could they have done better?

N/a

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Durham

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

I needed to transfer a pension to another provider after taking a tax free sum.

How has David Hardman helped you?

David expedited this for me and researched various options in order to meet my requirements, explaining my new plan and providing me with all the relevant information.

Have you seen the outcome you were hoping for?

Yes. I am completely satisfied with his service and outcome which is helping to plan my retirement.

What could they have done better?

Nothing. The process was seamless and highly efficient.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Durham

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

We wanted to plan early retirement

How has David Hardman helped you?

David is both professional and connectable he explains everything very clearly and always on hand if we have a question

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No improvements so far

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with David

Quick easy to understand

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Northumberland

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

I was looking to move a pension from an old work scheme and receive a cash payment at the same time and then invest the rest of the pension into a medium/high risk investment elsewhere.

How has David Hardman helped you?

He explains everything thoroughly and made the minefield of pension plans understandable and advised me in a way which made the transfer of my old pension a very easy transaction.

Have you seen the outcome you were hoping for?

Totally over the moon with the outcome and would not hesitate to recommend David to my friends/family. I think it helps you to work with someone who you like as this helps you understand/concentrate on important documents and focus easily.

What could they have done better?

Nothing as far im concerned. Its a been a viotile and confusing last few years since I changed my pension (late 2019-early 2020) because of the Covid crisis and I have seen my pension fund amount rise in value.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with David

When planning for ones future security when you are not well versed in financial terminology just simply trying to understand and navigate the vast oceans of options available to you can be overwhelming. That was certainly my trepidation before sitting down with David. He explained what to me seemed very complicated methods in clear and simple terminology putting my mind at ease and gave me plenty to think about on how to manage my portfolio going forward.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Durham

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

I had taken early retirement in 2018 and wanted advise about my D.B & D.C Pension and I was advised to speak to 2 or 3 final salary advisors and after speaking with 2 other companies I then had a informal meeting with David Hardman. And he answered all my questions and did not presurise me with any sales patter I looked at all the options and decided to go with his recommendation.

How has David Hardman helped you?

David gave me clear sound advice and was very approachable. Nothing was to much trouble for him. So I invested my D.B pension in 2018

Have you seen the outcome you were hoping for?

I have seen my pension grow in the past 2 years even though in 2020 it had a dip because of Covid ant the market was a little unstable. But after speaking with David he assured me to not panic and he was right by the end of 2020 thing stated to improve.

What could they have done better?

All the information I was given by DMH was realy good and fair.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

i was looking at options to transfer a DB pension into a more flexible product and so enhance my existing portfolio.

How has David Hardman helped you?

david gave me wide ranging advice on options available given my existing portfolio - all of the facts and information were presented in a professional and timely manner - at no point did i feel pressured into making decisions.

Have you seen the outcome you were hoping for?

very much so - the advice given has proven to be sound and the financial performance of the fund has been more than satisfactory.

What could they have done better?

nothing in my opinion - from the inception of the arrangement the level of service has been personal and excellent at all times.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I had a few pensions and I wanted to put them all together and find the best place to put them in.

How has David Hardman helped you?

David helped to put all my pensions together and find the best company to invest them in.

Have you seen the outcome you were hoping for?

The outcome has been extremely better than I expected.

What could they have done better?

David has done everything to keep me informed and I couldn't have asked for anything more.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Retirement and an investing an inheritance

How has David Hardman helped you?

He listened to what my long term aims were and advised me on the best plan for my needs.

Have you seen the outcome you were hoping for?

Most certainly

What could they have done better?

Nothing! David is always available to answer any queries and advise on the best pathway.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

I had sailed along quite ambivalently for many years with regards to finance, when I suddenly realised I needed some sound, professional advice. I was recommended David and have never looked back.

How has David Hardman helped you?

Quite simply he undertook a full survey of my financial affairs and recommended the optimum steps forward for me.

Have you seen the outcome you were hoping for?

Yes. I have had, and continue to have full confidence in his advice.

What could they have done better?

Without sounding like a cliche; nothing!

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with David

Really valuable meeting as I now have a much better understanding of my financial plans overall. Very helpful and clear explanation and look forward to progressing.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I needed some advice for general financial planning and long term investment for my retirement.

How has David Hardman helped you?

David was very helpful in terms of identifying options for investment, considering underlying risks and helping manage the investments once they had been made with a view to providing some long term retirement income.

Have you seen the outcome you were hoping for?

Yes, my financial affairs are now well managed and the investments that have been made have proved very successful over a number of years and are now providing the returns that had been planned.

What could they have done better?

Nothing, I’ve always been very impressed with the service provided.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I needed a professional to look after my investments and to advise on the best strategy to achieve my objectives.

How has David Hardman helped you?

Gave quality advice on pension and non-pension investments.

Have you seen the outcome you were hoping for?

Yes. I'm very happy with the overall performance of my portfolio.

What could they have done better?

Nothing I can think of.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I was confused with the number of pensions I had and wanted advice as to how to maximise these at my preferred age of retirement.

How has David Hardman helped you?

David scrutinised my existing pensions and came up with suggestions around leaving one or two where they were and transferring some of the lower performing pensions into a more lucrative scheme to give me a more enhanced growth plan and consequently better income at age of retirement.

Have you seen the outcome you were hoping for?

The performance of my pensions did see a dip during the pandemic however are now performing at a better rate than anticipated. David has kindly presented an income projection (based on estimated growth) that my pensions could give me and this was done in an extremely detailed and easy to understand format, extremely happy with David's continued help, support and professionalism.

What could they have done better?

I honestly think David has done his best and consequently have no suggestions as to what could have been done better.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with David

My thought of David he was great at explaining the pension system and advising me on getting best pension for me as retirement which is closer

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I had a number of pensions from my career and wanted to know what was the best way to make them more efficient for me.

How has David Hardman helped you?

David was and still is brilliant, he helped me understand the pensions I had, and advised me of the best way look after these and/or transfer the poorer performing pensions into a more lucrative scheme.

Have you seen the outcome you were hoping for?

Two of my pensions were transferred into Royal London and although I'm not ready to draw these down yet, I am very pleased with the performance especially considering the down turn in investment return caused by the current covid situation.

What could they have done better?

I am more than happy with the service I get from David and the performance of my pensions due to his advice.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

had a final year salary pension ..looked about n david hardman came out tops.

How has David Hardman helped you?

david helped n guided me through everything i needed ..his knowledge n expertise advice was great

Have you seen the outcome you were hoping for?

yes i got sorted ..been comfortably retired now for over 2 year.

What could they have done better?

nothing more david could of done better he was great in sorting everything out...

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I needed advice and proactive management of my pension fund and other savings

How has David Hardman helped you?

Talked me through the process of how my portfolio would be managed, explained clearly the different investment options and the risks associated with each one, and answered any questions I had in a clear and non-technical way.

Have you seen the outcome you were hoping for?

Yes. I'm extremely happy with how my portfolio is managed. This is down to the active approach taken and to the regular update meetings with David.

What could they have done better?

Nothing I can think of; I'm very happy.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Investment of inheritance capital.

How has David Hardman helped you?

He advised me ,very clearly, what were my best options were. He put me under no pressure and let me consider what I felt would be best for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

David does his job with great understanding and knowledge of the subject. His patience and communication are first class. I personally, don’t think there is any improvement needed.

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with David

After reviewing my pension situation David advised that there would be no benefit in moving anything at this time and I should leave things as they are for now. I was surprised to hear this as I had expected to be advised that I should consolidate my pensions but this wasn't the case. David explained things clearly and suggested measures I could take in order to maximise my income in retirement . I will definitely contact David to further review things nearer the time.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with David

Me Hardman was unable to assist with movement of our pension however he was extremely helpful, pleasant and courteous. I would happily contact him again for advice.

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with David

I contacted David after obtaining a final salary transfer value from my pension provider. I was thinking of transferring to a cash equivalent. However this being a big decision I needed to assess what to do. David was really helpful and prepared some scenarios for me. We talked through the options. David guided me through a thought process taking in to account my overall situation. The conclusion was to stay where I am and take no action. Even though this outcome would not attract a fee for David. I commend David for his clarity and honesty. If I need any advice in the future David will be my first port of call. Thank you!

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Durham

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

Looking to transfer my pension out of a company scheme

How has David Hardman helped you?

David gave all the options and answered all the questions and details I asked of him. He was very clear and provided a frank assesment of the options and details form my situation.

Have you seen the outcome you were hoping for?

Yes, fast and effective whilst been kept fully informed.

What could they have done better?

David did everything I asked of him and always answered my questions fully.

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Durham

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

Could not do drawdown on my funds so had to move it

How has David Hardman helped you?

He explained in layman's terms what my options were

Have you seen the outcome you were hoping for?

Yes very happy with the outcome would highly recommend him

What could they have done better?

No done everything that was asked of him

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Northumberland

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

Looking at accessing some funds from a pension.

How has David Hardman helped you?

David was extremely knowledgeable and friendly and easy to speak to and understand. He went out with his way to meet me and was very helpful during a difficult time for me (bereavement).He was always available for me to contact (email/phone) even when he went abroad on holiday.

Have you seen the outcome you were hoping for?

I am very happy with what David and his company have achieved for me as final salary pensions are difficult to deal with and take a little longer but in the end I have got what I and my family wanted.

What could they have done better?

Honestly speaking I can't see how David could have done anything different than what was done .He is an extremely nice man who is very helpful and good at his job .His advice was excellent and the outcome suited me .

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Advice on a final salary pension.

How has David Hardman helped you?

David provided me with a detailed report highlighting the pros and cons of a defined benefit pension. He listened to my requirements and reported on expectations, this enabled me to make a decision based on the benefits of leaving my pension where it was or moving it to a personal fund pension.

Have you seen the outcome you were hoping for?

The fund has only just been transferred so I am unable to comment at this moment. The transfer itself was handled in an extremely efficient and timely manner to enable the transfer to go through before the deadline date. David even kept in touch whilst on his holiday which we really appreciated. He updated us throughout the process to ensure we felt at ease, transferring a pension can be an extremely worrying/stressful time David supported us throughout the process so that we felt comfortable and fully informed at all times.

What could they have done better?

Nothing, so far he has fulfilled all expectations.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

How has David Hardman helped you since your last review?

david is easily contactable day or night ..always at hand to give you help n advice

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

How has David Hardman helped you since your last review?

David has kept to his word submitting, offering and providing my annual pension review. we quickly made arrangements to meet on a 1-2-1 to go through my current status and review the performance of my transferred pensions. Again David was very clear with his explanation and summary of my pension to-date, David also helped me gain a better understanding of my potential income at the age I wish to retire. I actually was willing to take further risk adjustments however following David's advice I realised I was already in the correct window of investment's that suite my risk profile. In summary David's review was clear and re-assuring, and I feel extremely comfortable with the performance of my transferred pension and happy with all the decisions and advise given to date.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Durham

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

Advise for the future

How has David Hardman helped you?

He was first class with excellent advise & so helpfull made me feel re assured

Have you seen the outcome you were hoping for?

Yes thanks to Davids advise

What could they have done better?

Nothing he was first class

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I wanted to review my pensions and ensure I had enough cover in place if the worst happened.

How has David Hardman helped you?

He carried out a thorough review of these areas and explained all the options clearly and without any pressure.

Have you seen the outcome you were hoping for?

Yes, I am away working a lot and haven't put all of the proposals in place yet but I feel confident that will be finalised soon, very happy with the recommendations.

What could they have done better?

I don't think David could have, he has given me plenty of time to consider everything and has been very open and professional, I would definitely recommend him.

Review from verified client

November, 2019

Overall

Value

Service

Advice

Based in Tyne and Wear

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

Looking for independent review of my company pension scheme

How has David Hardman helped you?

Provided a critical review of pension performance against general Market conditions and its competitors

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. More than happy with timeliness and qualify of feedback

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Durham

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

I needed someone who had experience in business and could give advice on how best to structure a business venture i had started

How has David Hardman helped you?

He explained the different options and financial elements that i needed to consider in each of them, such as pensions and cover etc

Have you seen the outcome you were hoping for?

Yes, I believe his advice was instrumental in the new structure working well for me and he is always on hand should i have any further questions

What could they have done better?

Honestly for me nothing, I got clear and concise responses to the questions I posed which in this instance was extremely helpful as having no experience in this sector it can often be daunting when asking for help, David made and has continued to make sure I've understood everything he has explained to me.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I wish to take 25% of my final salary pension at 55. I could not do this with my previous pension provider and needed advice on how to resolve this issue.

How has David Hardman helped you?

He gave me the help and advice I needed to move my pension, enabling me to access the required amount at 55.

Have you seen the outcome you were hoping for?

Yes. My pension has been moved successfully to another provider.

What could they have done better?

I am unable to give any constructive suggestions as the service David provided was excellent!

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Needed financial advice on inheritance planning.

How has David Hardman helped you?

He explained the various potential solutions and what might be best suitable for me . He took time to go through the options in detail so I was aware of the advantages and disadvantages.

Have you seen the outcome you were hoping for?

Yes, I believe the attention to detail and taking the time necessary to go through the options helped greatly. We now have planning place that gives us great peace of mind and he is always available if we have any questions.

What could they have done better?

Nothing, all done professionally and efficiently.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Durham

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

Needed advice on options available to me for 2 frozen pensions, in particular a final salary pension which I was considering drawing down and reinvesting.

How has David Hardman helped you?

He did a thorough analysis and explained in a clear and easy to understand manner the options available to me. He gave good informative advice, pointing out the advantages and disadvantages as well as giving some examples.

Have you seen the outcome you were hoping for?

Yes, I'm very happy with the outcome, David's advice has been invaluable in helping me achieve my goal and re-invest for my retirement.

What could they have done better?

I can't think of anything, I found David to be very helpful, friendly and professional. He gave me time to think but was also on hand to answer any queries and kept me up to date with progress. I would be happy to recommend him.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Durham

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

Needed some financial advice in order to decide what option to take for my pension.

How has David Hardman helped you?

He explained the options, what might suit me best and the advantages and disadvantages of each one.

Have you seen the outcome you were hoping for?

I believe his honesty and professionalism have helped me to make the best decision for myself and my wife to achieve the best financial outcome for us. It was a different outcome from the one we set out to achieve but feel that it is for the better.

What could they have done better?

Honestly I don’t feel that he could have done anything better. He explained everything very clearly to me, gave me time to think about it and was very helpful even though he could not take us any further with the process.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

My pension provider told me I had to seek financial advice to proceed with my claim.

How has David Hardman helped you?

David took over the communications with my provider so that I could reach a satisfactory result.

Have you seen the outcome you were hoping for?

Not yet but I have been advised ascot what action to take.

What could they have done better?

David could not have been more helpful, my dealings with him were very professional.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Nearing my 60th birthday I had 5 pensions. I wasn't sure if they were performing well also whether to put them all together.

How has David Hardman helped you?

David accessed all my pensions and assured me everything was ok.

Have you seen the outcome you were hoping for?

I was very pleased with David's advice and have agreed to contact him when I am ready for retirement.

What could they have done better?

No negative comments about David, he made me feel at ease as soon as I met him.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

Pention transfer from divorce.

How has David Hardman helped you?

He recommended the best thing to do with my pention that suited my needs

Have you seen the outcome you were hoping for?

It has only been very recent maybe next year

What could they have done better?

Nothing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

I have been a client of David's ,and his father before him.

How has David Hardman helped you?

David has helped me with my pension investment, and as I have reached ,and past my retirement age ,and I am still working .I have been taking advice on the options available to myself and my wife, as we intend retiring in this coming year.

Have you seen the outcome you were hoping for?

We are still considering the options David has presented to us. I do expect further meetings with David to discuss our final actions.

What could they have done better?

nothing, I do believe David has given the correct options, but this is yet to be finalised.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

As I'm approaching 55 I needed advice on my pension

How has David Hardman helped you?

David was able to move my pension so I was able to draw out some funds when I turn 55

Have you seen the outcome you were hoping for?

Yes the outcome has exceeded my expectations

What could they have done better?

I don't believe David could have done any better as the work he carried out was perfect

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Both myself and my husband had outstanding policies and we wanted some advice on how we can collate these together

How has David Hardman helped you?

David came to our home after we made an appointment and talked us through all of the information from our outstanding policies and advised us the best way in which to put them all together.

Have you seen the outcome you were hoping for?

David only visited us around 4 weeks ago so we have not yet had the outcome

What could they have done better?

Nothing, David was very helpful, very professional and easy to talk too

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Pension release

How has David Hardman helped you?

Pension release

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

Initially to transfer company pension

How has David Hardman helped you?

Gave detailed information with options, examples and some good advise following a thorough analyses

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Maybe more frequent contact although he is always available if required

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

I was considering moving my final salary pension into a private fund.

How has David Hardman helped you?

David did all of the background work and explained everything to us during the process. He gave us advice on where we should re-invest and the benefits and potential pit falls associated with the move. We also used David's advice for our family trust and wills, which have now been completed in a very timely manner.

Have you seen the outcome you were hoping for?

Yes, although it has only been a short period of time since we moved anything I think we will see the outcome we were hoping for.

What could they have done better?

No, i dont think so. We found David to be very fair and honest with us, and we would be happy to reconmend him to anyone wanting a service.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I needed to transfer my work pension to give me more flexability

How has David Hardman helped you?

David asked me what I wanted and then transferred my work pension to another provider that allowed me the flexability I needed

Have you seen the outcome you were hoping for?

Yes I have drawn down my tax free allowance plus a little bit extra and plan to pay off my mortgage in instalements

What could they have done better?

David did everything perfect and kept in touch all through the process I will recommend him to all my family and friends

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Help and advice needed for cashing in various pensions

How has David Hardman helped you?

Good advice, explained all options regarding pensions

Have you seen the outcome you were hoping for?

Yes, highly satisfied

What could they have done better?

Did a good job, can't fault.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

Move my pension

How has David Hardman helped you?

Found the deal that best suited my needs

Have you seen the outcome you were hoping for?

Not been invested long enough next may will be first review

What could they have done better?

Nothing did everything I requested

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

Putting my pensions in one place in readiness of retirement in a few years time

How has David Hardman helped you?

He advised me of my options and explained the pros and cons of each in a way I could understand

Have you seen the outcome you were hoping for?

It’s is early days for me to know

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

Advice for final salery pension

How has David Hardman helped you?

He gave me sound advice about the pension good points and bad points but very informative.

Have you seen the outcome you were hoping for?

I have now sorted my pension with David and I am very satisfied with the outcome.

What could they have done better?

I am very happy with all the information it is a lot to take in but worth reading all the information .

First impression from a user who is not yet a client

October, 2018

Overall

Please provide a brief comment about your experience with David

So far, I have only spoken with David by telephone. I found him to be friendly, helpful and knowledgeable. He took time to appreciate my position and to explain his services in that context. I hope to be in contact with him again very soon.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Durham

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

Needed some advice regarding a particular issue with a pension fund.

How has David Hardman helped you?

David offered to help even though he was on holiday. I can not fault David at all, he responded quickly to all corespondents.

Have you seen the outcome you were hoping for?

The issue was resolved quickly and would not hesitate to use David again.

What could they have done better?

Nothing

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

i needed advice about my pension.

How has David Hardman helped you?

david was great right from the start ..soon as we got chatting he exactly knew what i wanted ...cant thank david enough for the help provided.

Have you seen the outcome you were hoping for?

yes davids very efficent and caring in the work he does ..hes there for you always wether by e mail..phone or in person.

What could they have done better?

cudnt of wished for a better financial adviser than david hardman ...you want something hes the man to do it.

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with David

Meeting arranged. Will know more later

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

Needed to investigate best options for retirement income from various pension pots.

How has David Hardman helped you?

I was introduced to David a few years ago as retirement loomed. In recent months he has provided an excellent level of professional support for me in what proved to be a very testing time. His advice has unquestionably put me on a solid financial footing going forward.

Have you seen the outcome you were hoping for?

Absolutely !.

What could they have done better?

Nothing really as I had an idea of best route and he confirmed it but his choice of pension fund was critical. He did such a good job my wife used his services for exactly same route.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

Husband finished work, needed some pension advice as he was in several schemes and we also need some investment advice.

How has David Hardman helped you?

We needed some pension and investment advice so made contact with Argent Wealth Ltd. David Hardman, the Advisor, visited us on a number of occasions to collect information, find out a little about us, our plans and aims for the future. He was friendly, professional and honest. His explanations were clear, concise, easy to understand and there was no hard sell. Products were only recommended when he was sure that we were comfortable and happy with the advice offered. Our relationship is ongoing, he keeps in regular contact and we feel that we can call on him anytime for further advice.

Have you seen the outcome you were hoping for?

So far we are happy with the arrangements made.

What could they have done better?

N/A

Review from verified client

November, 2017

Overall

Service

Advice

Value

Based in Durham

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

I wanted advice on previous pensions that I had together with the existing fund which I am paying into and whether to transfer to obtain the option for my circumstances.

How has David Hardman helped you?

As some of my previous pension plans were set up by David Hardman/Argent Wealth I had no hesitation in contacting David when I needed further advice. David gave me detailed options and explanations for the best way forward for what I was requiring and at no point felt pressurised. I was updated and kept informed of the progress at each stage of the process until completion. I would not hesitate to recommend David & Argent Wealth to anyone requiring information and advice with their pension(s).

Have you seen the outcome you were hoping for?

The advice, assistance and the end result which David organised far exceeded any expectations that I had. I very much appreciate all that he did and helped me with.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

I had more than one pension and wanted both in the same pot and was unsure if I could draw down on the pensions I had.

How has David Hardman helped you?

I would like to thank you for the pension advice you have recently provided. I found the whole process very professional and also you communicated to me in laymen terms that I could understand. I was very concerned about my future pension position as the jargon and the amount of red tape there is involved with today's pensions is very confusing. My father who you advised many years ago, was very impressed by your help back then and suggested I contact you. I would not hesitate to recommend you to anyone requiring financial advice.

Have you seen the outcome you were hoping for?

Not as yet, I have not retired yet but the pot is growing.

What could they have done better?

I consider David was very detailed and I can not think of anything he could have improved.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

Preparation for Retirement.

How has David Hardman helped you?

Argent Wealth are providing me with an excellent service, their customer care is exemplary. Financial preparation for retirement can be a confusing and stressful time but David Hardman has been very supportive; meeting regularly to discuss and provide sufficient information to enable me to fully understand my options and make informed decisions about by future security. I highly recommend this company.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

To review my pension situation for the long term.

How has David Hardman helped you?

As I run four businesses and balance family life, time is of a premium. David reviewed my position to suit my changing needs and offered sound flexible advice that changed during our meetings to ‘fit’ my requirements going forward. Argent Wealth look at many different options and look long term rather than short terms gains – previous advisors have always wanted to sell me more products. David reviewed my current cover which is more than adequate. I have no hesitation in recommending David and Argent Wealth to anyone and have already done so.

Have you seen the outcome you were hoping for?

My pension is performing well with regular updates and moving advice.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

The need for advice on transferring a frozen company pension to private.

How has David Hardman helped you?

Now that the full transfer of my pension has been completed, I just wanted to thank you for the support and professionalism you have shown during the past few months in supporting and advising me on my recent pension plan transfer. From the outset of our initial meeting you have given me sound advice, which as explained during these meeting, have been very clear and more importantly very understandable as the world of pensions to me was a minefield. I have also passed my thanks to my colleagues, as without their recommendations about yourself I would not have had the chance to know what a professional and helpful person you are. Once again may I thank you personally for the support you have given me during the past few months and I’m sure moving forward the same professional and personnel attitude will be given.

Have you seen the outcome you were hoping for?

Yes with the support and advise from David I'm very happy with the outcome.

Review from verified client

November, 2017

Overall

Service

Value

Advice

Based in Tyne and Wear

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

Needed to set up a SIPP plan.

How has David Hardman helped you?

David at Argent Wealth has been the IFA for both the business and me personally for more than 10 years and during that time his advice has been professional and timely. The financial markets during this period have been particularly turbulent and like most people we have enjoyed both success and failure. However, when investments have not performed David has remained resolute and has always been on hand to help, providing sound advice and an appropriate course of action. He continues to assist me personally managing my SIPP and I am happy to recommend his firm for anyone looking for an experienced and reliable IFA.

Have you seen the outcome you were hoping for?

In the main yes.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Retirement partially due to ill health.

How has David Hardman helped you?

I got David Hardman's details from the pensions advice website. He listened to my circumstances and carried out my wishes with regard to my pension. He has kept me well informed on how my transfer was proceeding and on the best place I could invest it to meet my needs. I am very pleased with the results so far and have no hesitation in recommending him.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Needed advice for my pension & investment.

How has David Hardman helped you?

David Hardman of Argent was a big help to me and my wife. He discussed options and helped me make a decision based on what was best for us. David gave me plenty of advice and got me all the information I needed and asked for quickly, whilst keeping me up to date at all times. He was always available and helped me from the start to the end of the process and am very satisfied with the results. I would recommend Argent to anyone.

Have you seen the outcome you were hoping for?

investment recently matured with good return & reinvested through David Hardman again.

What could they have done better?

Couldn't have done anything better, done everything right for me.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Improved pension performance and advice.

How has David Hardman helped you?

Not knowing any financial advisers, it was with hesitation that I approached Argent Wealth for pension advice and support, however after meeting with David it didn’t take long for my anxieties to lapse. David’s approach was very calming and he explained everything I needed to know clearly and with empathy. Communication and advice that followed was again clear and consistent without me feeling under pressure to make quick decisions, to the point that the clarity of his knowledge and expertise lead me to reach my own decision for my future planning – with David’s endorsement. In summary, I found David to be very knowledgeable in his field, extremely helpful, honest, trustworthy with his advice and I would have no hesitation in recommending him in the future.

Have you seen the outcome you were hoping for?

Too early to tell but early signs of performance are really encouraging.

What could they have done better?

I don't really know......David's advice and service was excellent

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Running my own business I don't have a lot of time to look after my own long term financial planning and pension provision. I wanted someone I could trust to help provide this service and David came highly recommended.

How has David Hardman helped you?

I have known David for over 10 years in his capacity as an IFA. Over that period, the path of investment has not always run smoothly and whilst it is easy to take credit when times are good, it needs someone to stand by you, guide and help when they are not. David has done just that and continues to be someone of integrity who I trust with my financial planning. He has adapted to the change in industry and in recent years developed a new and very effective investment monitoring programme. I would have no hesitation in recommending his services.

Have you seen the outcome you were hoping for?

Yes, David provides straightforward, trustworthy advice whilst clearly outlining the risks associated with investment options which allow me to make informed decisions. He proactively helps with the monitoring of investments and I've been pleased with the overall outcomes we've achieved.

What could they have done better?

Nothing springs readily to mind

Review from verified client

November, 2017

Overall

Service

Advice

Value

Based in Tyne and Wear

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

See below for a summary on why I spoke to David initially several years ago.

How has David Hardman helped you?

Realising my investments required a professional assessment to avoid any further stagnation, David was recommended to me by a close family member. My investments were relatively modest, but still represented a lifetime of saving, so I was both looking and hoping for some expert advice. I was confident from the first few minutes of my initial meeting with David that I would indeed receive this. The three meetings we had spanned just over 6 months, which would have been shorter but for my working life taking me away from the UK for long periods. Contact was maintained via email and all papers were dealt with in a simple yet efficient manner. Feeling totally at ease thanks to David's personal approach, the impression that my investments were now being dealt with by the correct person was strengthened with each meeting. Taking onboard his advice my investments are now transferred and will hopefully perform to higher dynamic in the future. A family holiday did not prevent David from contacting me when an administration error was discovered, illustrating the professional and personal approach he adopts. In summary I would have no hesitation in recommending David and Argent Wealth to any perspective client.

Have you seen the outcome you were hoping for?

My investments appear to be progressing nicely, thanks to the guidance provided by David.

What could they have done better?

Not applicable, as fully satisfied with the service provided.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

To ensure my pension planning was done expertly.

How has David Hardman helped you?

Further to our recent meetings I would like to extend my appreciation for the manner in which Argent Wealth has dealt with my pension fund. As we have discussed on many an occasions my financial future is almost entirely in your hands and I appreciate your honesty and professionalism. Trust is a word that is often mis-used or even lost in the cut and thrust of today’s business world and everyone’s somewhat cynical desire to protect themselves and trust no one, but I simply cannot do what you do. No doubt many others are in the same situation and it would be all too easy for the unscrupulous to take advantage of these circumstances. At no point have I felt nervous about this exposure, more the opposite in that I’m confident that my financial future and best interests have and continue to be taken care of properly. Thank you for your help.

Have you seen the outcome you were hoping for?

Yes, hassle free pension growth, all managed very professionally and reported succinctly in a simple legible manner.

What could they have done better?

Nothing that comes to mind.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Advice as to whether to move from one pension provider to another. Advice as to investment strategy and the trade-off between risk and return.

How has David Hardman helped you?

I have dealt with David and Argent now for several years and in that time have consistently been impressed with the level of professionalism shown and the quality of service offered. At no point have I ever felt that I was 'being sold to'. David has always acted in the best interests of the client, giving objective, impartial advice. He is easily contactable, returns calls swiftly and reacts to any request in the most timely manner.

Have you seen the outcome you were hoping for?

Absolutely. Delighted with the way my portfolio is managed and by the pro-activeness shown by David.

What could they have done better?

Honestly, nothing. David is always extremely quick in responding to any questions I have, taking the time to understand my changing circumstances and recommending appropriates actions if required.

Review from verified client

November, 2017

Overall

Service

Advice

Value

Based in Tyne and Wear

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

David had been highly recommended.

How has David Hardman helped you?

I had been paying into a SIPP for years not really being kept informed of where the money was being invested, how it was doing and what charges were being applied. After a full review from David, I am now in a much better place, active monitoring of my funds which has benefited me greatly over the last few years, as well as having a much more competitive pension with lower charges. Big thanks to David for adding such value to my planning. I would not hesitate to recommend him.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

To make a decision that would affect my future plans for my personal pension and the best way look after my funds.

How has David Hardman helped you?

I am very happy to say that after initial research I found a reliable financial adviser that came recommended and that I felt I could trust, as it is sometimes concerning to relay personal financial issues to someone I have not met before. My pension enquiry was dealt with privately, trustingly and I quickly became relaxed as I knew this was being dealt with professionally. I was constantly kept up-to-date and informed every step of the way by David. I was even advised to stay where I was and use an option I wasn't aware of. Thanks to his assistance and professionalism I have made a choice I now know is the correct option. I will not hesitate to use David Hardman again.

Have you seen the outcome you were hoping for?

Yes exactly the way it was described.

What could they have done better?

None at this time as I fully understood the options

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I was looking for information, initially on pension options, but later on investments in general.

How has David Hardman helped you?

I have known David Hardman since 2011. I originally contacted him to obtain pension information and advice. Following this I approached David to get advice in a particular aspect of Trusts and he put me in touch with a colleague who specialises in this field. More recently, probably since 2012 David and I have regular consultations regarding our broad investment portfolio. David has, without exception, been a valuable source of guidance in financial investment matters and we hold regular meetings to monitor progress, where he delivers the correct balance of technical analysis tempered with pragmatic advice.

Have you seen the outcome you were hoping for?

David has kept me abreast of market volatility and current trends with reference to our portfolio spread as well as current understanding of market trends.

What could they have done better?

Perhaps more than just biannual meetings and review. However, I believe that David achieves the right balance in advice, review and recommendation

Review from verified client

November, 2017

Overall

Value

Advice

Service

Based in Tyne and Wear

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

Retirement planning.

How has David Hardman helped you?

I have entrusted Argent Wealth Ltd to undertake the provision of my Self Invested Personal Pension (SIPP) which they do in an efficient and effective manner, together with planned annual reviews upon the overall performance of my investments, combined with both short and long term strategic planning for my eventual retirement. My individual day to day dealings are with David Hardman who regularly reviews my individual investments and frequently offers advice from time to time for investment changes in this ever changing economic climate. David never cold calls or chases other financial business, his contact with myself is always professional and investment specific to my SIPP. We meet regularly between the annual review dates, always by prior appointment and always focused, to the point and brief, never a chore. David will offer other financial advice, but always at my instigation and request. I believe Argent Wealth Ltd stand out from crowd and are definitely not just another pushy financial adviser.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not sure that David could have done better. First class advice and excellent service.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Implementation of a Group Personal Pension scheme.

How has David Hardman helped you?

Advice and implementation of a Group Personal Pension scheme. David has guided us through the whole process from start to finish and demonstrated great product knowledge.

Have you seen the outcome you were hoping for?

Yes very happy with the scheme.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Transfer of Company Final Salary Pension Scheme due to changes of personal circumstances. Original Scheme did not suit my needs anymore.

How has David Hardman helped you?

Following the closure of my Company Final Salary Pension Scheme, I required ‘independent’ financial advice. I sourced a few local companies and after a little research requested David Hardman, from Argent Wealth to come and talk to me about my pension options. He was really helpful and explained, in a very open and understanding way, how the process would work. We discussed how it would benefit me and I am confident that I made the right choice in choosing David to assist me both in the transfer of my pension and to continue to assist me in the future. David was upfront about his charges and explained what I would expect from my investment. The more I met with David the more at ease I felt with him and had no hesitation in recommending him to my friends/colleagues, who in turn have also taken the opportunity to work with him. I am hopeful that his advice and guidance will make a significant difference to my future and can’t recommend him highly enough.

Have you seen the outcome you were hoping for?

I'm happy that the changes have been made, i feel more secure knowing that i will have more control over my investments.

What could they have done better?

it is only within the last few years that i have been interested in the pensions (never really thought about it much in the past ie, its 'just been there' in the background. Therefore would like to be kept updated with hows its doing, information etc ... just being nosy :-)

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Durham

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

Change of employment from employed to self employed. Investment of severance payment, and managing pension funds.

How has David Hardman helped you?

David was instrumental in guiding my previous employer to set up their pension scheme. This involved approximately 30 employees, some with many years continuous service through a number of changes of ownership, others with less. The scheme had to take care of all the individual’s needs, which was quite a task. David had many discussions with each employee to ensure they were comfortable with the proposed schemes, and it took into account their financial aspirations. Recently, when my circumstances changed, I needed to consider our family financial plans and naturally turned to David for his advice. We discussed all aspects of our circumstances and David has guided us through the many options, which has enabled us to make informed decisions on managing the various existing pension funds and investments, some being transferred and another left in place for now. David is very good at explaining complicated financial matters in simple terms, which has certainly help with our decision making. I have no hesitation recommending David to manage your personal or corporate wealth and pension planning needs.

Have you seen the outcome you were hoping for?

The management of existing pensions has all gone to plan, inheritance planning is completed. At present I am still working so not taking any pension but the forecasts are looking to be on target.

What could they have done better?

Nothing to comment on.

Review from verified client

November, 2017

Overall

Advice

Value

Service

Based in Durham

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

I needed advice regarding transfer of my pension.

How has David Hardman helped you?

I contacted Argent Wealth regarding moving my pension to another scheme with income release and a satisfactory investment plan. I was dealt with throughout by David Hardman in a pleasant efficient reassuring manner. Now transfer successfully completed and very satisfied with result. I would recommend the services of David Hardman/Argent Wealth.

Have you seen the outcome you were hoping for?

Happy with situation so far.

What could they have done better?

Financial adviser transferred my pension quickly and efficiently to a income release and investment plan I do not think he could have achieved better result

Review from verified client

June, 2014

Overall

Advice

Service

Value

Based in Durham

How has David Hardman helped you?

David has taken care of sourcing and setting up a new pension scheme for us in readiness for auto enrolment. We had a poor uptake in our previous scheme but since working with David the majority of our employees have already joined the pension scheme ahead of auto enrolment. Staff found David helpful and easy to understand.

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in Durham

How has David Hardman helped you?

Having worked with Dave for a number of years now, my wife and i have been delighted with the level of professionalism we have received from him. We feel in safe hands and particularly like the way in which he explains everything to us in language we can understand, thank you.