Reviewed for

Insurance and Protection ( 7 )

Mortgages ( 4 )

Pensions ( 103 )

Equity Release ( 4 )

Retirement income (annuities, drawdown) ( 57 )

Investments and Savings ( 136 )

Pension Transfers - Non Specialist ( 22 )

Inheritance Planning ( 39 )

Long Term Care ( 7 )

Pension Transfers - Specialist ( 12 )

Financial Planning ( 16 )

Financial Mentoring ( 3 )

Financial Coaching ( 2 )

Reviewers' assets

£500k+ ( 11 )

£200k - £500k ( 28 )

£100k - £200k ( 24 )

Up to £50k ( 13 )

£50k - 100k ( 13 )

Client reviews

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Gary

Simple but excellent advice - exactly what we needed!

Gary's reply

Thank you Alex for leaving me a review. I’m glad I was able to assist you with some ideas for your cash. If you need financial help in the future please contact me

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Gary

He was lovely, friendly and proffessional.

Gary's reply

Many thanks for your review Sue, much appreciated. Please do not hesitate to contact me if you need any advice in the future.

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Gary

After giving him details of assets and accounts he explained to me very clearly about inheritance tax and if we would have to pay any or not. He put my mind at rest and said that I could ring back for information if there any changes to inheritance tax next year.

Gary's reply

Thank you for completing a first impression Sharon. It was a pleasure talking to you and pleased that I was able to put your mind at rest. If you need any advice in the future please do not hesitate to contact me.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Wanted more rounded investments rather than just ISAs & pension planning.

How has Gary Metcalf helped you?

Diversified my investments to benefit from tax free allowances. Forecasting retirement requirements.

Have you seen the outcome you were hoping for?

It's long term investing so I don't know yet.

What could they have done better?

Some time sensitive recommendations, e.g. 'bed & ISA' should be diarised or automatic. At due date client could be reminded & asked if they wish to continue this process rather than having to ask for it to be done.

Gary's reply

Thank you Alison for completing a review for me, much appreciated. Always enjoy our meetings and I’m so pleased that we could help plan Paul’s and your retirement with our cash flow system. I have taken on board your comments about the bed & isa process.

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Gary

Very clear and precise. No blatant sales pitch

Gary's reply

Thank you Tina for leaving a review. If you need any further advice please contact me. Hope I can be of service to you in the future.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Approaching retirement and Gary was recommended to me.

How has Gary Metcalf helped you?

Explained complex matters in a straightforward way.

Have you seen the outcome you were hoping for?

Overall yes.

Gary's reply

Thank you Corrine for leaving a review. So pleased I was able to help you in your retirement planning.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Suffolk

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

Pending retirement

How has Gary Metcalf helped you?

Quality advice

Have you seen the outcome you were hoping for?

Not yet, but outcome is probably all that could be expected

What could they have done better?

Not a lot

Gary's reply

Many thanks Steve. Always enjoy our meetings with you & Susie. Really pleased that our cashflow modelling system demonstrated that you could retire. It’s great to know that you are enjoying your retirement.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

The best way to invest my cash

How has Gary Metcalf helped you?

Gary has helped with honest, good advice, on what I could invest my money in. He understands how much risk I am prepared to take. I trust him.

Have you seen the outcome you were hoping for?

One could always hope for more but considering the turmoil of the world etc I am pleased.

What could they have done better?

I don’t think they could have done better.

Gary's reply

Thank you Jane for leaving a review. It’s always a pleasure to see you and Mick. I’m pleased that you trusted me also to look after your children’s finances.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Bute

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

Having become self-employed, I wanted to consolidate all my various pensions and move them from the many pension schemes belonging to companies that I had worked, into 1 pension scheme which I would be in control of

How has Gary Metcalf helped you?

Always available for answering my questions and concerns and very knowledgeable

Have you seen the outcome you were hoping for?

Yes - I have a better understanding of how my pension is performing

What could they have done better?

Cant think of anything

Gary's reply

Thank you David for leaving me a review. Pleased I was able to help you with consolidating your pensions. Always enjoy our meetings and so happy that you have settled into your new life in Scotland

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with Gary

Nice guy, listened to what I wanted and supplied me with all the information to make an informed decision

Gary's reply

Thank you for leaving a review for me Nicky. Please do not hesitate to contact me in the future.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Inverness-shire

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

I had multiple pension pots and when taking on a role with a significantly enhanced salary I sought some first class advice as to how I could plan my financials better.

How has Gary Metcalf helped you?

Pensions consolidated and invested in a much more suitable scheme

Have you seen the outcome you were hoping for?

Returns have been greater than I'd have ever dreamt of in my previous pension pots

What could they have done better?

Nothing

Gary's reply

Thank you ian for your review. It’s a pleasure dealing with you and I’m so pleased that you have been impressed with the pension consolidation exercise we undertook.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Reached retirement age.

How has Gary Metcalf helped you?

Didn't think I had enough to retire on but Gary showed me clearly that I could. Handing in my notice the next working day was sweet. Going forward, his uplifting and highly motivational advice has enabled me to manage my resources much more efficiently and enjoyably. He is a deluxe wealth manager. You get a lot of extras for your money!

Have you seen the outcome you were hoping for?

Financially not yet because of world events in recent years. In terms of my personal financial management and resultant lifestyle choices, I have achieved very positive outcomes.

What could they have done better?

Nothing.

Gary's reply

Thank you for your very kind review Greg. It was a pleasure helping you to retire early, I know how much it has meant to you. It’s great to see you enjoying your retirement.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Needed advice on pensions

How has Gary Metcalf helped you?

Yes looked at options and made recommendations

Have you seen the outcome you were hoping for?

Redommendations have been acted on. Little too early to say if re outcomes

What could they have done better?

Nothing

Gary's reply

Thank you David for your kind review. I always enjoy our meetings and it’s been a pleasure helping you achieve your retirement goals.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Warwickshire

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

Retirement and pension planning and advise coupled with wealth protection, estate and inheritance planning.

How has Gary Metcalf helped you?

Provided a drawdown pension plan by consolidating a number of my pensions and developed a forecast that is aligned to my personal financial objectives whilst maximising tax benefits.

Have you seen the outcome you were hoping for?

Yes, drawdown pension set up whilst maximising tax benefits. Details were explained to me in a simple to understand manner with access to supporting data for forecasting purposes when I asked for this level of information. I can now monitor my pension closely with the knowledge that I can call upon Gary's support at any time should there be any queries.

What could they have done better?

Nothing that comes to mind, all my requirements and queries have been addressed.

Gary's reply

Thank you Robert for your kind review. I am so pleased that we could help you with your retirement planning. I always enjoy our meetings and have now helped you with ‘protecting your wealth’. It was nice to meet your two daughters at our last meeting.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Worcestershire

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

Retirement Pension investment.

How has Gary Metcalf helped you?

Gary has been very helpful with guidance on my Retirement income.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Gary's reply

Thank you Robert for completing a review for me. It was a pleasure helping you achieve your objective of retiring early. I know how much you are enjoying your retirement.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Staffordshire

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

Recommended by a friend

How has Gary Metcalf helped you?

Recommended the company I am invested with.

Have you seen the outcome you were hoping for?

Not as good as I had hoped, but acceptable.

Gary's reply

Many thanks John for completing a review for me. It was a pleasure helping you achieve your goal of retiring early to pursue your love of renovating classic cars. I know you haven’t yet achieved the outcome you wanted but you realise this is due to the market conditions.

First impression from a user who is not yet a client

July, 2023

Overall

Please provide a brief comment about your experience with Gary

Only spoke to Gary briefly, but he seems to know what he is talking about! if i need any help or advice will certainly get back in touch with him.

Gary's reply

Thank you for your feedback Chris. If I can help you in the future please contact me.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

My husband passed away and I needed help with financial matters

How has Gary Metcalf helped you?

Gary has been amazing , really helpful and supportive with advice for me and my son

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Na

Gary's reply

Many thanks for your review Jayne, your comments made me realise why I’m in this great profession. Really appreciate your kind words.

First impression from a user who is not yet a client

June, 2023

Overall

Please provide a brief comment about your experience with Gary

I had a short telephone conversation with Gary, he answered my questions clearly and allayed my concerns about inheritance tax. Appreciated the opportunity to talk to him without being pushed into any further commitments. Thank you Gary

Gary's reply

Thank you Denise for your kind words.

First impression from a user who is not yet a client

May, 2023

Overall

Please provide a brief comment about your experience with Gary

I was worried about inheritance tax and aware that there were things my family should have done a few years ago - which at the time we didnt know we had to do.Gary gave clear and concise information, put my mind at rest and took a weight off my shoulders. He was easy to talk to, offered to send an information pack, went over and above, would thoroughly recommend him .

Gary's reply

Thank you Lesley for your kind review. Pleased I put your mind at rest. The information I promised to send you is in the post today Gary

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Shropshire

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

Had an adviser for quite some years and when they retired we were referred to Gary.

How has Gary Metcalf helped you?

Always felt we had sound advice especially for our retirement plan.

Have you seen the outcome you were hoping for?

At present, yes.

What could they have done better?

Nothing,

Gary's reply

Thank you for the kind review. I’m so pleased i convinced you and graham to retire early. Always enjoy our meetings.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Staffordshire

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

Back in 2008 I already had an Equitable Life pension savings plan from a previous employment but following their collapse I felt frozen not knowing what to do. At that time I worked for one of the 'big banks' which was greatly affected by the financial collapse in 2008 and consequently was going through a very worrying time. I saw an advert for 'Gemini' who were based where I lived and decided to make an appointment and I have been a client ever since.

How has Gary Metcalf helped you?

Gary effectively took over my worries. He arranged for the pension to be transferred to a new managed one and also arranged transfers for a couple of ISA investments I had. Since I only had a few years before I wished to retire I took Gary's advice not to be too risky with these investments. I have continued to invest into the ISA's over the years and when I was fortunate to receive an inheritance I turned to Gary again. He has advised different types of investments and I will now be looking at IHT plans. I have meetings usually every 6 months but Gary is always at the end of the phone to answer questions and offer advice even during the chaotic Covid period which was very important for many people.

Have you seen the outcome you were hoping for?

Yes - my pension performed well and my other investments also. I suppose I could have taken higher risk investments but felt I didn't have the years to ride out any storms (and there have been a few) and it would have been a gamble and a worry which I wanted to avoid. I wished to preserve what capital I had and take a balanced approach. Whilst I am 'investment savvy' Gary has taken the worry from my shoulders in what is a minefield.

What could they have done better?

Not sure really.

Gary's reply

Thank you Lynn for taking the time to leave a review for me. It’s been a pleasure looking after you for all these years and helping you achieve your investment and retirement objectives.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Essex

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

I was clearly lacking an 'independent ' advisor and needed to find exactly that. I had spent far too long attached to a couple of well known companies with our varying policies.

How has Gary Metcalf helped you?

I met Gary giving a presentation about 12 years ago and knew instantly that I could trust him with our finances. The biggest bonus however was that he has left me feeling comfortable in that I can focus on other things like running my business and the pitfalls of ageing (plus a few medical complications thrown in) but knowing that finances are in good hands and not taking up my time. We meet up about every nine months face to face where Gary explains things very clearly to my husband and usually any quick questions between can be sorted out with a very brief call or text leaving him and us free to get on with our daily worklife.

Have you seen the outcome you were hoping for?

Yes - of course the past few years have brought some highs and lows with finance but considering that I aim to be a medium to high risk taker I have no complaints

What could they have done better?

I can find nothing to fault Gary and his colleagues

Gary's reply

Many thanks Tina for leaving such a positive review for me. It’s been an absolute pleasure helping you and Martin with your finances. I always look forward to our meetings over lunch and taking home two dozen eggs!!

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I inherited some money and needed someone to advise me how to invest it.

How has Gary Metcalf helped you?

Gary has invested my inheritance for me and has also moved my private pension as the company I had been using were losing money.

Have you seen the outcome you were hoping for?

Hard to say as the impacts of brexit, covid and the war in Ukraine have affected the markets so much.

What could they have done better?

Don't know.

Gary's reply

Thank you Simon for leaving a positive review. It’s been my pleasure in assisting you and Ingrid in planning for your retirement. I wish you every happiness in your new house on the south coast.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

My husband and I went along to an open day held by Gemini to understand more about future proofing our financial future

How has Gary Metcalf helped you?

Pensions and investments

Have you seen the outcome you were hoping for?

I am happy with the pension advice, I cannot comment on the investments as this is my husbands domaine . I am aware that the world has gone through some challenging times recently so returns on investment will have been affected.

What could they have done better?

Not sure I can answer that as I don’t know

Gary's reply

Thank you Nina for taking the time to complete the feedback. I’m so pleased that I was able to help you in your retirement plans and it’s so nice to hear about the fun you are having now you have retired. I always look forward to our meetings with Sukhy and yourself.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

I had savings in various accounts that were not really giving me a good return. I needed to consolidate the savings in order to increase my income for the future.

How has Gary Metcalf helped you?

He advised on the various ways to make the best of my money. He explained the risks involved in all the various types of investments and the length of time that the investments were likely to be needed in order to achieve the desired results.

Have you seen the outcome you were hoping for?

Indeed I have. Even during the volatile economic times the investments made have at a minimum “held their own”

What could they have done better?

I’ve been with Gary for a number of years and can’t think of anything that could have been done better. Totally satisfied with his performance.

Gary's reply

Thank you for your kind review and I’m so pleased that I was able to help you and Jane. Thank you for being such a positive advocate and if you feel that there are others who would benefit from my wealth mentorship please feel free to share my contact details.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Norfolk

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

To help with pension planning

How has Gary Metcalf helped you?

Regular reviews

Have you seen the outcome you were hoping for?

We have been through some turbulent times recently and Gary has kept us informed

What could they have done better?

Not applicable

Gary's reply

Many thanks Nigel for taking the time to leave a review. It’s been a pleasure to help you with your retirement planning. Cannot wait to see your new house in Norfolk.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I was recommended by my accountant.

How has Gary Metcalf helped you?

He has allowed me to learn how to save and invest my money efficiently.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

More in person updates and communication.

Gary's reply

Thank you Frank for leaving a review. It’s been a pleasure assisting you with planning for your retirement and also helping you save a large amount of tax. If you feel there are others who would benefit from pension & tax planning please feel free to pass on my contact details.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Leicestershire

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

Pension advice

How has Gary Metcalf helped you?

Consolidated and grew my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't know.

Gary's reply

Many thanks Paul for leaving a review. It’s been a pleasure assisting you in your retirement planning.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Warwickshire

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

Having investments which gave a poor return and an advisor who was not well informed.

How has Gary Metcalf helped you?

Enormously, especially since I became widowed 15 years ago

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

I have always had full information, sound advice and good returns on my investment thanks to Gary and I have recommended him to friends.

Gary's reply

It’s a pleasure working with you Angela. Thank you for your kind review and for being such a big advocate of mine.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Family

How has Gary Metcalf helped you?

Gary has focussed our attention on achieving a balance between living for now and planning ahead. We feel comfortable knowing that we are actively making plans for the future.

Have you seen the outcome you were hoping for?

Yes

Gary's reply

Thank you Sasha for taking the time out of your busy schedule to leave a review. Our regular meetings are always constructive and am pleased that I have added value to your work life balance. Also, retirement planning so you and Rich can retire early. If you feel there are friends or colleagues that would benefit from my services please share my contact details.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement planning led me to Gary after being him being recommended by my Accountant. I did a search for Gemini and Gary on my computor and elected to set up a meeting to discuss my disparate thoughts.

How has Gary Metcalf helped you?

Gary has helped massively with financial advice on pensions and retirement planning in general. We have discussed Inheritance planning as well as Wills which has helped me to put together the right plans for the future.

Have you seen the outcome you were hoping for?

The outcome has been better than anticipated as the advice taken has generated a greater pension than expected.

What could they have done better?

The advice has been excellent, the stock market performance dictates the total pot amount of a drawdown pension which has both increased and decreased. Sound advice from Gary has helped avoid any panicky moments which one gets when there is a drop in value but the previous increases show the market moves in both directions.

Gary's reply

Thank you for your kind review, really appreciated. It’s been my pleasure in assisting you both with planning for your retirement. I always enjoy our meetings and the occasional lunch.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Leicestershire

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

We were initially introduced to Gary through our Mortgage advisor

How has Gary Metcalf helped you?

Gary has been immeasurable in his support and help financially. Finances in life go up and down, sometimes without warning, and Gary has been there every step of the way, to help us make the best of our finances in every circumstance, good or bad, that life throws at us.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

I have to say, I cannot think of any way Gary could have been any better, we will be forever grateful for his ongoing support

Gary's reply

Thank you for your kind review, I’m so pleased I was able to help you and your family with your financial planning. Thank you also, for introducing your parents and your brother.

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Gary

Gary was helpful and told me what areas of my query he was unable to answer. His mobile phone cut out a number of times during our conversation.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Middlesex

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

I needed to discuss my pension.

How has Gary Metcalf helped you?

Yes massively, he is very knowledgeable about all market products.

Have you seen the outcome you were hoping for?

Early days yet, but I'm sure I will.

What could they have done better?

To early to make comment.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

Wanting to save for the future and better my pension

How has Gary Metcalf helped you?

He has been helpful and always available with any questions we had.

Have you seen the outcome you were hoping for?

Yes, we are now in a position where we are saving and have a plan in place where we are comfortable with the amount we are putting away for our pensions

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Leicestershire

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

I inherited a sum of money and wished to invest it for my future pension.

How has Gary Metcalf helped you?

Advice was clear, he listened to my concerns and advised in a way I could follow.

Have you seen the outcome you were hoping for?

Just about to have my first full review so hope sgood at this point.o but given the current climate it was explained to me things may not be so

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Leicestershire

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

We had various pensions and wanted to get them all in one place which would not only help us manage them but also see a gain. We also had a goal to retire earlier .

How has Gary Metcalf helped you?

Gary helped with the above and we have also seen an increase in our pension pots not only that but we would be able to retire earlier than we thought !

Have you seen the outcome you were hoping for?

Yes most defiantly

What could they have done better?

Nothing , the service is truthful and easy to understand , i have recommended friends.

Gary's reply

Many thanks Sharon for your kind review. The cash flow we did for you confirmed that you and Bruce could retire earlier then originally thought and that you would not run out of money in retirement. Look forward to working with you and Bruce over the coming years.

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

We needed financial support with our new company.

How has Gary Metcalf helped you?

Company pensions, we spoke with Gary who we found incredibly friendly and informative

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing to add

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Leicestershire

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

I was looking for advice on planning for retirement and savings and Gary was highly recommended by friends.

How has Gary Metcalf helped you?

Clear, reliable advice whenever I've needed it.

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

March, 2022

Overall

Please provide a brief comment about your experience with Gary

Contacted Gary for specific advice. He was very helpful and focussed and provided the answers I needed

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Gary

Never made enough effort to contact me .. hardly a good first impression!

Gary's reply

I initially made contact on Monday 24th January then flew out to South Africa that evening. Then continued to make contact on Wednesday 26th and Thursday 27th. I think that is enough effort !!!

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Gary

Had an initial consultation with Gary, awaiting paperwork from my pension provider before we can continue.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Gary

good accurate advice that was impartial given over the phone - thanks. No need for further consultation at the moment

Gary's reply

Thank you for your positive feedback Martin

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Gary

Easy to talk to and understood my financial situation quickly. Explained services which were available to me without any pressure.

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Gary

Gary was able to provide some great advice and advise on a financial strategy! Would definitely recommend

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

Initially it was upcoming retirement planning that was the reason to meet with Gary. Over the years ongoing reviews and a change in circumstances has meant close contact to ensure the right decisions were made at each stage.

How has Gary Metcalf helped you?

Gary understands finance and people and has the knack of 'knowing' what you need before you know it yourself. He puts forward suggestions that you may not have considered and is happy to discuss all options. He always makes sure that, as a client, you are comfortable with the decisions made. He acknowledges and respects an individuals relationship with risk.

Have you seen the outcome you were hoping for?

My investments are medium to long term and I am happy with the results given we have just experienced a rather difficult time in all sectors over the last 18 months.

What could they have done better?

Nothing. Gary keeps in regular contact and I know he is only on the end of a phone or email should I wish to discuss anything at any time.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

Initially, because I was getting divorced and my wife was getting a substantial part of my pension

How has Gary Metcalf helped you?

He advised me as to what to invest in and how much I could afford

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

I wanted a recommendation to advise me on a product which suited my risk appetite to invest an inheritance.

How has Gary Metcalf helped you?

He recommended a product and kelp me set it up.

Have you seen the outcome you were hoping for?

Yes so far.

What could they have done better?

Nothing.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Lincolnshire

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

Pension review

How has Gary Metcalf helped you?

Listened to what i wanted to achieve and worked with me to achieve desired outcomes.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Shropshire

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

I already had a financial adviser who finished and I was transferred to Gary Metcalf

How has Gary Metcalf helped you?

Pension advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None that I am aware of

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

On retirement I needed to find a place to invest pension funds

How has Gary Metcalf helped you?

Gary was very approachable and gave down to earth , sensible advice. Very trustworthy.

Have you seen the outcome you were hoping for?

Yes my investment is growing

What could they have done better?

Nothing really as everything was explained in lay mans terms and if I have to contact the office everything is dealt with promptly.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

No pension

How has Gary Metcalf helped you?

Advice regarding pension and savings

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

I don't know, I'm not a financial adviser

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Derbyshire

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

Pension and savings Review

How has Gary Metcalf helped you?

He gave easy to understand advise. Was very personable and approachable. He was happy for us to consider the information he gave us and did not expect us to make any instant decisions.

Have you seen the outcome you were hoping for?

We are progressing well and I believe we will achieve the outcome we wanted to achieve.

What could they have done better?

Nothing. Gary is approachable, helpful and honest.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

We had money to invest.

How has Gary Metcalf helped you?

Offered good options which have yielded a good return.

Have you seen the outcome you were hoping for?

No: we were hoping to make an absolute fortune (but we didn't expect to given our attitude to risk).

What could they have done better?

We suspect, not a lot under the market circumstances and our relatively conservative attitude to risk.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Facing retirement without much pension.

How has Gary Metcalf helped you?

He started us on a private pension plan and then helped us with the decision making when the government changed the policy on annuities.

Have you seen the outcome you were hoping for?

Yes, just about - the financial crash and pandemic haven't helped though.

What could they have done better?

Nothing as far as Gary Metcalf is concerned.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Powys

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

Pension transfer

How has Gary Metcalf helped you?

Pension transfer

Have you seen the outcome you were hoping for?

yes

What could they have done better?

am happy with performance

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Norfolk

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

Had a lump sum to invest

How has Gary Metcalf helped you?

Set up my isa and moved my pension

Have you seen the outcome you were hoping for?

It’s steadily growing .

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

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

Lump sum from redundancy

How has Gary Metcalf helped you?

Assessment and discussion of investment performance and next steps (if any) to take especially during volatile situations

Have you seen the outcome you were hoping for?

Reasonable return on investments based on my risk basis

What could they have done better?

Whether anything better could be done will be based on future performance

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Retirement planning (lump sum investment)

How has Gary Metcalf helped you?

Gary explained the ins and outs of investing money, he took away the mine field of information out there and informed us what was best for us. He listened to us and what we wanted from our retirement. He did all of the hard work for us. With out Gary we would not have known where to start.

Have you seen the outcome you were hoping for?

Yes. Our investments are making money for us even in these difficult times.

What could they have done better?

Nothing.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

I wanted to invest some funds in something progressive but tax efficient

How has Gary Metcalf helped you?

Gary was able to present & convey several options in a manner that I could easily understand. This made it simplier to arrive at a decision I was comfortable with.

Have you seen the outcome you were hoping for?

Absolutely - not only that, but I am increasing my investments.

What could they have done better?

Difficult to know, as I was very impressed with the detail & information Gary provided.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Retirement planning, and investments.

How has Gary Metcalf helped you?

Advised on the above.

Have you seen the outcome you were hoping for?

Most certainly.

What could they have done better?

Nothing to be fair.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Review and understanding of pension fund I hold.

How has Gary Metcalf helped you?

Yes

Have you seen the outcome you were hoping for?

In part- COVID came along.

What could they have done better?

Nothing

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

My partner had an inheritance and she needed advice on how to invest it to the best advantage.

How has Gary Metcalf helped you?

Gary helped tremendously with advising myself and my partner in this subject .As a result of that discussion he helped with managing our finances to live comfortably up to my retirement and beyond . He was a great help to us and took all the worry away from what was a most anxious time .

Have you seen the outcome you were hoping for?

Yes certainly.

What could they have done better?

In my opinion there isn’t anything that they could do any better. In these difficult times caused by the Covid pandemic Gary and the team have gone above and beyond to support us on the journey we have had to travel.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lincolnshire

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

I attended a presentation by Gary ad was impressed with his knowledge and professionalism

How has Gary Metcalf helped you?

Investing is a complex business Gary gives understandable sound advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Derbyshire

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

I needed expert advice on the best way to maximise savings returns to enhance my pension

How has Gary Metcalf helped you?

Advised on a good investment

Have you seen the outcome you were hoping for?

Yes

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

My husband died and I wanted advice about setting up a Trust Fund and general advice.

How has Gary Metcalf helped you?

From the start Gary instilled confidence in me and gained a quick insight into my issues. The Trust fund was set up quickly and myself and my children had everything explained. In addition Gary discussed bonds and I invested not being too adventurous , but again Gary explained d writhing and I have extreme confidence in his advice .

Have you seen the outcome you were hoping for?

Yes the Trust Fund was up and running quickly. My investment has progressed despite Covid and Gary has kept me informed and there if I have any questions.

What could they have done better?

Nothing

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Gary

At mo free initial advice awaiting report then may take step further

First impression from a user who is not yet a client

April, 2021

Overall

Please provide a brief comment about your experience with Gary

Very good and will be back in touch with him.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Shropshire

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

As my previous financial adviser finished I was recommended to Gary

How has Gary Metcalf helped you?

Gary reviewed my pension so that it would work better for me

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

Inheritance left to me by my late Father

How has Gary Metcalf helped you?

Gary gave me advice on how to invest my inheritance, with risk categories and also to invest for my retirement

Have you seen the outcome you were hoping for?

yes and more

What could they have done better?

Nothing

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Retirement and receipt of a lump sum and a pension. I needed advice on what to do with the former and on how to supplement the latter.

How has Gary Metcalf helped you?

By giving clear and, as it proved, sound advice. This has continued for over twelve years.

Have you seen the outcome you were hoping for?

Overall, yes, though it must said that the financial crash didn’t help much! However, at that time, Gary’s advice to just hang on in there and not start doing anything precipitately proved to be absolutely sound.

What could they have done better?

Not knowing much about investment, the markets, an so on, I’m not in a position to comment on this question.

Review from verified client

April, 2021

Overall

Service

Value

Advice

Based in Cambridgeshire

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

Investment of pension sums.

How has Gary Metcalf helped you?

He recommended various ISAs and Bonds.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don’t know. I just have to trust him. It is his field, not mine.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

Lots of dormant pensions from previous employers

How has Gary Metcalf helped you?

Gary gathered information on all and consolidated them for me.

Have you seen the outcome you were hoping for?

Yes and more than I expected.

What could they have done better?

Nothing actually.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

Needed to get advice on pensions

How has Gary Metcalf helped you?

Clear and concise help with the process of investment and pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No - they're brilliant

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Leicestershire

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

Retirement and pensions

How has Gary Metcalf helped you?

Gary spent time identifying options and, more importantly, explaining them in a user friendly way in order for me to make a decision

Have you seen the outcome you were hoping for?

Definitely, mainly feeling secure in knowing that Gary genuinely cares about and manages my money in the most up to date and knowledgeable, professional manner.

What could they have done better?

I'm very happy with the service I get.

First impression from a user who is not yet a client

April, 2021

Overall

Please provide a brief comment about your experience with Gary

Very helpful answered our questions and helped outline next steps.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Norfolk

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

This is confidential.

How has Gary Metcalf helped you?

This is confidential.

Have you seen the outcome you were hoping for?

This is confidential.

What could they have done better?

To our knowledge, nothing.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Originally had received a lump sum on retirement from employer who recommended this company to invest

How has Gary Metcalf helped you?

Gary took over from Peter Charlton and has been very helpful over last few years

Have you seen the outcome you were hoping for?

Pandemic has hit our savings but Gary has been proactive in recommending ways to preserve funds

What could they have done better?

Need very regular information regarding our savings and steps we should take to grow/ maintain. Would like regular email from Gary

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Gary

very helpful and informative with giving advice

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Gary

He was very brief and so of assumed that I did not know anything about buying a stocks and share ISA. I felt he thought that I was not a serious investor. He did advise me a bit but I already knew what he was advising me. I thought he would have a deeper conversation about different investment options.

Gary's reply

I had a long conversation with Rashmika about isas and also send a link about the different types. I dealt with the enquiry in the right manner

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Gary

Really knowledgeable and friendly. Answered my questions really clearly

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Gary

he clarified very well an issue i’m currently dealing with so thank you Gary,

First impression from a user who is not yet a client

February, 2021

Overall

Please provide a brief comment about your experience with Gary

The initial meeting went well. Gary was very helpful and forwarded some literature as promised. Wouldn’t hesitate to recommend him.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

A talk by him at a lunch I attended

How has Gary Metcalf helped you?

With my ISA and also my Will

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Worcestershire

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

I had a number of pension funds which I did not want to convert into monthly paid pensions. I wanted advice on consolidating these pensions and having access to the cash in the future as I did not need the cash at the time but I wanted to grow the investment but I am risk adverse. I did have investment schemes from 1993 to 2006 but converted those to cash ISA's and fixed term bonds in 2006 because I could not see stock market continuing to grow at the rate it was and I was worried that wages were being held down but house prices were continuing to rise at a high rate and people were being pushed into large mortgage's they would not be able sustain so I became risk adverse at that stage.

How has Gary Metcalf helped you?

Gary was aware of my concerns and gave me what I perceived as good advice as to where to invest my pension funds for the future, he has also given me advice on inheritance planning which I have not acted on as yet but I know I can contact him if I need to. Gary also invites me to review my investment once a year but again I am happy with things as they are and I have declined to meet with him, but again I know I could contact him if I have any concerns and I am sure he would contact me if he thought that the investment was not performing as we expected and needed moving.

Have you seen the outcome you were hoping for?

No I have not but that is because stock markets have been going through a turbulent time not due to Gary's advice.

What could they have done better?

I do not know what he could have done better. He could have tried to get me to invest in area's that were performing better and they may have given me higher return than I have currently. Had he tried that I probably would not have invested at all as I do no like to be pushed against my will.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Leicestershire

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

Sacings

How has Gary Metcalf helped you?

Isa

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Rutland

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

Having sold my house, I needed to put the proceeds in a safe, profitable place.

How has Gary Metcalf helped you?

Gave me unbiased information

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/ a

Gary's reply

Thank you Viv

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Durham

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

I finished work at the age of 55 and needed financial advice for my future and that of my family

How has Gary Metcalf helped you?

Gary advised both my wife and I as to the best manner in which to invest our savings to give us security for our retirement. His advice has been extremely beneficial to both of us. He also made sure we made our wills and advised us on Power of Attorney matters.

Have you seen the outcome you were hoping for?

Our outcomes have been in line or better than Gary's advice. Excellent.

What could they have done better?

We are totally satisfied with Gary's service and advice.

Gary's reply

That’s very kind, thank you

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Gary

Honest straightforward advice in language I could understand. Happy to use him again and recommend him to others

Gary's reply

Thank you Jayne, much appreciated

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Gary

He didn't come back to me.

Gary's reply

Apologies, specialist help was needed and the company I use took along time to get back to me.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Gary

Gary is very knowledgeable his advise has already saved me money.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Derbyshire

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

I needed to setup a private pension and Gary was recommended to me.

How has Gary Metcalf helped you?

He sat down with me and went through everything step by step to help me understand how pensions work. We drew up a plan of how much i should invest per month and how and more importantly why i should increase this on an annual basis

Have you seen the outcome you were hoping for?

Yes i have been with Gary for over ten years now and my pension pot is growing. I have also received advice on VCTs something i had never heard about previously.

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Gary

Very informative. Listens attentively.

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Gary

I would like some more in depth help, but what I’ve received so far is good and helpful.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Leicestershire

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

Moving a private pension

How has Gary Metcalf helped you?

Found an excellent investor

Have you seen the outcome you were hoping for?

more than expected

What could they have done better?

Nothing that I am aware of

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Lump sums that I needed someone to manage for me. I was recommended to Gary by my partner and after some discussion was happy for Gary to lead me through the process of setting up a personalised portfolio.

How has Gary Metcalf helped you?

Explained the benefits and pitfalls of using a fund manager including fees and the risks involved. Understood what i required and offered suitable advice. I trust in his experience and the way in which my portfolio is managed according to my perception of risk.

Have you seen the outcome you were hoping for?

Yes. Currently, of course, running at a significant loss but fully expect this to recover.

What could they have done better?

I don't feel there are any shortcomings. Gary is always available to answer queries and suggest how I might move forward with my investments.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

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

A surplus of cash

How has Gary Metcalf helped you?

Advised on tax efficient investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

It hard to see how Gary could improve, he has a wealth of knowledge and experience

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Was thinking about and then carrying out my retirement so wanted some advice about my pension and investment options.

How has Gary Metcalf helped you?

He provided the above advice in a timely and professional manner taking care to explain all the 'jargon' so that I could understand my options and make decisions based on my preferred attitude to risk and investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything to suggest as Gary has always been accessible, professional and courteous. He takes the time to listen to and understand individual needs which has helped to build a trusting and long lasting relationship.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Leicestershire

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

Monies became available from existing investments .

How has Gary Metcalf helped you?

Explained investment options, and gave advice on short and longer term planning for.

Have you seen the outcome you were hoping for?

As financial circumstances have changed during our investment period with Gary, our expectations have been realised .

What could they have done better?

I have been given the information advice and service we were expecting. I can’t think of anything that could have been improved upon.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Essex

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

Previous person was underlying everything with personal profit.

How has Gary Metcalf helped you?

When asked (He is an advisor to my brother), he provided measured answers to our questions and fully accepted without any attempt at influence our wishes for low risk investment and when we decided to take up the offer he arranged everything need to transfer our allocated funds.

Have you seen the outcome you were hoping for?

Largely yes, we are always advised that stock markets have a degree of volatility so were aware that sometimes there are falls but overall we are up on these investments by modest but better than normal savings, including shares privately held elsewhere.

What could they have done better?

Not really we are low level investors who prefer lower growth to higher risk potentially higher growth.

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with Gary

Initial consultation was very good and informative but still need to make further enquiries before making a decision to go ahead.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Shropshire

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

Reaching retirement.

How has Gary Metcalf helped you?

His advice clarified my concerns and he handled the transfer of numerous pension funds.

Have you seen the outcome you were hoping for?

Yes i've been able to retire and at present feel reasonably financially secure.

What could they have done better?

The advise,presentation and friendly persona were first class from my point of view.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

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

To consolidate several pensions

How has Gary Metcalf helped you?

Took charge and reinvested total investment

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I have money but prefer to plac it in the hands of an expert.

How has Gary Metcalf helped you?

Concise and clear instructions of plans that were suited to my needs

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing. Just right for my needs.Thanks for all help in the past and current advice for the future. L

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Worcestershire

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

We wanted personal contact by meeting face to face with a financial advisor and by moving house we needed a new contact.

How has Gary Metcalf helped you?

He completely reviewed our finances and how they could be managed.

Have you seen the outcome you were hoping for?

Work in progress.

What could they have done better?

We are very grateful for the help and support he has given us.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

Originally a service offered by my employers

How has Gary Metcalf helped you?

Honest and timely advice, amalgamation of a selection of pensions, risk identification

Have you seen the outcome you were hoping for?

I, like many others have had to ride some difficult financial times, so I would have hoped to have been a little more secure at this point but this is in no way due to the advice I have been given

What could they have done better?

Actually nothing more. Gary is always available if I have queries and explains things in a way That is helpful and not full if jargon

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Bereavement and Retirement

How has Gary Metcalf helped you?

He sorted plans out for our needs

Have you seen the outcome you were hoping for?

We are more than satisfied with the outcome of our investments

What could they have done better?

At the time we took our plans out we doubt they could have been any better given our Risk requirements.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Referred by my Mum, and am building plans for early retirement

How has Gary Metcalf helped you?

Condensed pensions and provides excellent direction for building a retirement plan

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Leicestershire

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

Multi pensions and savings and going self employed needed my money to work better.

How has Gary Metcalf helped you?

Consolidated and procurement of policies to work better for me.

Have you seen the outcome you were hoping for?

It’s more long term.

What could they have done better?

All good.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Bedfordshire

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

I had money invested elsewhere which was not doing very well,some mutual friends introduced me to Gary

How has Gary Metcalf helped you?

Gary went through all the options available and after looking through them I chose the plans which suited my circumstances.

Have you seen the outcome you were hoping for?

On the whole yes.of course there have been losses and gains.

What could they have done better?

Gary has always been very honest with his advise and up to date with how the market is doing so from point of view he really could not do much more.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Leicestershire

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

Pensions in lots of different places

How has Gary Metcalf helped you?

consolidated all my pensions and gave us constructive advice.

Have you seen the outcome you were hoping for?

Yes over several years and ongoing .

What could they have done better?

Gary has always been friendly and helpful, and we have no concerns for asking his advice in the future.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Worcestershire

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

Pension transfer

How has Gary Metcalf helped you?

Generated all the relevant paperwork , kept me informed at every stage and guided me through the process, he was very competent and reassuring.

Have you seen the outcome you were hoping for?

Yes, everything went to plan and in good time.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Leicestershire

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

Wanted advise on investment and pensions, very pleased with the advice given and well recommend the service.

How has Gary Metcalf helped you?

Helped me to make the most of my finances.

Have you seen the outcome you were hoping for?

Yes, very pleased.

What could they have done better?

Nothing comes to mind.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Northamptonshire

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

My existing adviser had retired and I felt neglected by ‘whoever’ had taken over from him.

How has Gary Metcalf helped you?

He listened to my needs and came up with suggestions etc but putting me under no pressure. Gary is very easy to talk to and l have utmost confidence in him and the Company.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I have no suggestions as happy with advice etc received.

First impression from a user who is not yet a client

July, 2019

Overall

Please provide a brief comment about your experience with Gary

Good First meeting. Gary was clear and explained different options to me.

First impression from a user who is not yet a client

July, 2019

Overall

Please provide a brief comment about your experience with Gary

Gary provided clear and comprehensive answers to several specific questions I asked about inheritance tax and then sent additional relevant information through the post, which was exactly what I required.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Retirement

How has Gary Metcalf helped you?

Gary advised us where we should invest our pension and some savings in tax efficient accounts

Have you seen the outcome you were hoping for?

Pretty much. The majority of our investments are in equities so they have been affected by stock market volatility in 2018. We asked Gary to shift our investments out of the UK to avoid Brexit related uncertainty. We track the progress of our investments and they have performed better than the FTSE 100.

What could they have done better?

Nothing really. We're very happy with Gary and Gemini.

First impression from a user who is not yet a client

May, 2019

Overall

Please provide a brief comment about your experience with Gary

So far I have only spoken to Gary on the phone but he was very friendly and was clear on what he was telling me. I have booked an appointment to see him in May.

First impression from a user who is not yet a client

April, 2019

Overall

Please provide a brief comment about your experience with Gary

I didn't use Gary after all, hence just the 4 stars, but the interactions I did have with him were very polite, professional yet friendly

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

I inherited some money and didn't know what to do with it. I don't have time or the interest to look into financial products myself.

How has Gary Metcalf helped you?

He looks at where all my money is invested, understands my risk level and invests my money appropriately. We meet once a year to discuss things. He is down to earth, easy to get on with and you feel he has your interests at heart unlike some other financial advisers who are after commission.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I'm very happy with Gary

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Leicestershire

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

Early retirement. Need for options on investments & inheritances

How has Gary Metcalf helped you?

Outlining options and best choices

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Be nice if he could control global financial situation but we all have limitations.

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with Gary

I have only spoken over the phone once with Mr Metcalf, I think that your review request is wrongly worded for the contact I have had with him currently, hence the rating I will give your organisation

Gary's reply

As Mr Hoad has stated we have only spoke over the phone to arrange a meeting.

First impression from a user who is not yet a client

February, 2019

Overall

Please provide a brief comment about your experience with Gary

Well informed chap and helped me understand the options available.

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Gary

Extremely friendly and informative

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Leicestershire

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

Retirement two and a half years ago.

How has Gary Metcalf helped you?

Planning, setting up drawdown income.

Have you seen the outcome you were hoping for?

Yes. The drawdown income has been better than I had expected it to be.

What could they have done better?

There is nothing more Gary could have done. He is very professional in a relaxed friendly way. A person you can put your trust in.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Leicestershire

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

Pension transfer

How has Gary Metcalf helped you?

Detailed advice and guidance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, all good.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Northamptonshire

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

Went to one of Gary Metcalf's seminars for inheritance tax planning and investment advice

How has Gary Metcalf helped you?

He made a number of suggestions on Inheritance planning and advised me on share investments for my retirement. Gary is always available to visit me in my home and keep me up to date with my investments and confirm risk levels.

Have you seen the outcome you were hoping for?

One always expects more but I have always been satisfied with the results overall.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Leicestershire

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

He helped by switching my Advisor and my investments. It is too early to rate how good the returns will be but if they are as good as his personel attention and service I am sure my wife and I will be very happy.

How has Gary Metcalf helped you?

He has put our minds at rest from the termoil of the previous Advisor.

Have you seen the outcome you were hoping for?

Not yet but I have hope that we will both be pleased we switched to Gemini, and Gary in particular.

What could they have done better?

Again too early to say but he seems to have covered everything we reqired.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

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

My husband recently passed away

How has Gary Metcalf helped you?

He was very supportive and helpful with every aspect of my finances

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Suffolk

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

I had an old Pension fund which wasn't doing very much at all. Our good friends use Gary and they recommended him.

How has Gary Metcalf helped you?

Garry visited us in Suffolk and explained our options and then re-invested the fund

Have you seen the outcome you were hoping for?

Yes and more.

What could they have done better?

I don't think any more than he did. We are totally happy with him. We trust him and will definitely be using him again.

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?

to help us with our finances and plan for our future

How has Gary Metcalf helped you?

he reviewed our investments and helped us diversify our portfolio

Have you seen the outcome you were hoping for?

yes

What could they have done better?

we are happy with what he has done

First impression from a user who is not yet a client

June, 2018

Overall

Please provide a brief comment about your experience with Gary

I contacted Gary as I had a complex question about my pension lump sum payment. Gary was very timely in contacting me. He understood my situation and explained the options available to me.

First impression from a user who is not yet a client

June, 2018

Overall

Please provide a brief comment about your experience with Gary

Gary helped me clarify my thinking regarding my investments and future financial planning.

First impression from a user who is not yet a client

June, 2018

Overall

Please provide a brief comment about your experience with Gary

Listened to my needs, asked some good questions and gave me some simple tips and things to consider without any hard sell of paid for services. Was open and honest about how much he could help me right now. I’d definitely get in touch with Gary if I need paid for financial advice in the future.

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Gary

Has responded but as yet not discusssed anything further

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Gary

Friendly and clear advise

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Retirement.

How has Gary Metcalf helped you?

Investment of lump sum.

Have you seen the outcome you were hoping for?

So far, yes.

Review from verified client

January, 2018

Overall

Advice

Value

Service

Based in Leicestershire

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

To put my individual pensions together in one fund .

How has Gary Metcalf helped you?

Gary explained the options ie.gain vs risk and attained which was right for me. Then he went ahead and set it up. Regular updates and reviews in personal circumstances .

Have you seen the outcome you were hoping for?

So far the pension funds are doing very well but I know that there will be highs and lows. Over the long term though I feel confident that it's right for me.

What could they have done better?

Gary did do what I wanted so there were not really any issues.I knew what I wanted from him and he delivered.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Gloucestershire

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

To ensure any pension or investments are performing well.

How has Gary Metcalf helped you?

Consolidating existing pensions and ensuring all investment schemes are appropriate to my circumstances.

Have you seen the outcome you were hoping for?

So far so good!.

What could they have done better?

I'm happy with the service provided and don't need anything further.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Leicestershire

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

Towards the end of our working careers we wanted to find suitable investment options for existing savings, lump sums and possibly redundancy payments.

How has Gary Metcalf helped you?

By carefully and patiently explaining what those options were. All with good humour and professionalism.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Really nothing else. We got all we needed.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Leicestershire

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

Poor advice with poor yields from out previous long term advisor.

How has Gary Metcalf helped you?

He explained in great detail what options were available, he explained in great detail how assement would be made against risk in our investments, he explained in great detail how our risk level would hopefully improve returns on our investments, he guided us though the paper work and it was completed.

Have you seen the outcome you were hoping for?

Far better than we had expected.

What could they have done better?

Gary advised, we accepted his advice and believe we have made solid gains, ticks all the boxes so 100% satisfied.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Shropshire

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

Retirement.

How has Gary Metcalf helped you?

Advice on options available.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Gary advised and provided a package to suit our needs.

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with Gary

Very prompt in making or returning calls, sounds very professional too. However, didn’t manage to get back to him, as other pressing things arise. But definitely will consider him In the future

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Gary

Gary couldn’t help with my enquiry

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Gary

Gary was very helpful but was not able to deal with my case due to its value. He did give me lots of information and answered all my questions even though I wasn't going to give him any business.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Leicestershire

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

Need to move some money from old investments.

How has Gary Metcalf helped you?

Mr metcalf talked us through options of what we wanted from our investments.

Have you seen the outcome you were hoping for?

It is very early days at the moment to comment on that question at the moment, but very happy with the advice and communication so far.

What could they have done better?

I don't think there is anything he could have done better, everything was explain thoroughly and all questions answered.

Review from verified client

September, 2017

Overall

Service

Advice

Value

Based in Leicestershire

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

To invest funds from sale of business to provide income in retirement.

How has Gary Metcalf helped you?

By developing and implementing a strategy to provide our target level of income from our capital.

Have you seen the outcome you were hoping for?

Yes, as long as the portfolio continues to perform well.

What could they have done better?

I believe Gary has done the best for our situation. He has explained fully and clearly the investment strategy in relation to our attitude to risk and has been attentive and efficient in all our dealings.

Review from verified client

September, 2017

Overall

Advice

Value

Service

Based in West Midlands

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

To transfer my company pension so access to it was made easier.

How has Gary Metcalf helped you?

What was my plan for early retirement and what to use some of the tax free sum for. To give the trustee's of my company pension a plan for my retirement and so my wife would get full access to my pension if I die. Set up the pension with the new pension company and give me online access.

Have you seen the outcome you were hoping for?

Yes the new pension has transferred really smoothly And I am just waiting for some funds to transfer to myself . I could not of sorted this help without Gary's help.

What could they have done better?

No it seemed to all go smoothly it was my pension company that held up proceedings.

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Gary

Fully explained the options I have with my pensions and how I could proceed before and when I retire

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in West Midlands

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

I needed a financial advisor to manage my equity investments.

How has Gary Metcalf helped you?

Gary provided a framework in which to manage my equity investments in a tax effective way.

Have you seen the outcome you were hoping for?

Equities do go up and down but I am pleased with the financial advice I have received and feel confident in The advice I am being given.

What could they have done better?

A 3% initial investment fee is quite high and I would prefer this to be around 2%.

Review from verified client

May, 2017

Overall

Value

Service

Advice

Based in Nottinghamshire

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

Inheritance following the death of my father, a wish to consolidate our existing savings and a desire to improve our return!.

How has Gary Metcalf helped you?

Gary fully took on board our needs and has taken us though these points step-by-step. This has allowed us to gain confidence that we were making the correct decisions, before moving onto the nest step. At no point has he applied any pressure (which is fantastic) but has always provided advice to meet our needs.

Have you seen the outcome you were hoping for?

Very much so. Our investments are now consolidated (so much easier to manage for us and our descendants), meet our needs for now and the future.

What could they have done better?

Where there are obvious areas that need investigating, it would be great if this could be done prior to our review meeting and Gary then feeds back in the meeting, rather than discuss in the meeting and then action. I sometimes then have to chase to find out about progress.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Independent advice needed for both my husband and myself.

How has Gary Metcalf helped you?

Looked at options for drawdown and setting aside a 'rainy day' fund with guidance on drawing up a will. Actioned for my husband. Now looking at options and negotiating with two separate insurers for myself, under changing circumstances due to some health issues. Advice is timely, well explained and backed up by written confirmation.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Really nothing at the moment. I appreciate the sensitivity and compassion during a difficult time for myself and Gary's efforts to negotiate a more advantageous with one insurer in particular.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Wanted to consolidate my savings on my retirement.

How has Gary Metcalf helped you?

Gary is very thorough in gathering information to understand my financial requirements. He explains everything clearly and prepares so that I have to do the minimum - which is what I like! I feel he has organized my finances so that I will get the best returns.

Have you seen the outcome you were hoping for?

Yes. I feel my savings are in the best place for me and also that I can get in touch at any time with any query and it will be dealt with efficiently and effectively.

What could they have done better?

I can't think of anything

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Devon

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

Initially I was planning for the future and Gary helped to consolidate my pensions. More recently he has helped with retirement planning and investments.

How has Gary Metcalf helped you?

Gary offered advice that suited my needs at the time. The service has always been personal and appropriate for my situation.

Have you seen the outcome you were hoping for?

So far so good!.

What could they have done better?

I could not have asked for better service. Even after I moved to Devon, Gary has visited me to ensure everything was set up correctly.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Leicestershire

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

I needed someone to look at my private pension.

How has Gary Metcalf helped you?

Gary delt with my request from start to finish.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

First impression from a user who is not yet a client

April, 2017

Overall

Please provide a brief comment about your experience with Gary

Professional and gave me an honest account of his charges and gave me some valuable answer to my questions

First impression from a user who is not yet a client

April, 2017

Overall

Please provide a brief comment about your experience with Gary

Gary was very helpful, provided useful and appropriate information.

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Gary

very good

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Gary

Gary was very helpful, although as my portfolio is already quite diverse, he could only really point me in the direction of which of my investments I should ideally be adding more to. He was knowledgable and recognised the need to live as well as invest. It was reassuring to have him confirm I'm already doing most of what I need to. He was friendly yet professional. The issue of charges wasn't mentioned as this was a "free plan" offer, although he was clear I was able to access his services privately in the future if I wished. I can't fault him.

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Gary

Phone conversation was enough to answer my concerns. He clearly understood our circumstances. No full consultation will be necessary & no charges involved.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Leicestershire

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

Take over of existing provider by Gary's company (Gemini Wealth Management) lead to the introduction.

How has Gary Metcalf helped you?

Understood my needs and explained clearly the options, benefits and risks.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing for me

First impression from a user who is not yet a client

September, 2016

Overall

Please provide a brief comment about your experience with Gary

I didn't receive the information in an email as promised

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Gary

He didn't get back to me!

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Needed advice about pensions, imheritance planning, wills and general financial instruction.

How has Gary Metcalf helped you?

Gary has a great wealth of experience in all finiancial / pension matters as well as being a good sort and has been very helpful in pointing our opportunities to consider.

Have you seen the outcome you were hoping for?

Type and Value of my pension has been very good even with the stock market crash of winter 2015/6 so very pleased with the results.

What could they have done better?

Nothing.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Rutland

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

Acquiring a sum of money to invest/unhappy with the outcome of previous investments.

How has Gary Metcalf helped you?

Guide us to other investment opportunities with a clearer idea of the possible outcome.

Have you seen the outcome you were hoping for?

Who has, but the investments have generally yielded acceptable results.

What could they have done better?

Found even more lucrative investments (if they exist)/simplified the investment organisation's presentation of results & costs.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Further to redundancy package.

How has Gary Metcalf helped you?

Maximised ISA 's and invested in line with our risk level. Personal meetings annualy or when requested.

Have you seen the outcome you were hoping for?

Yes, within restrictions of the economy.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lincolnshire

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

Interest rates for my nets in building societies were falling so I thought I should seek professional advice.

How has Gary Metcalf helped you?

He arranged an international investment bond for me which gives a good monthly income which is what I need.

Have you seen the outcome you were hoping for?

Yes. The value of the bond has declined because of the world financial situation but I have had more in income than capital lost.

What could they have done better?

I can't think of anything, Garry does a good job for me and I have confidence in him which is important.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Poor advice in the past.

How has Gary Metcalf helped you?

Introducing us to a more balanced and managed portfolio, and regularly reviewing our financial position.

Have you seen the outcome you were hoping for?

We have been very pleased with the outcome of our decisions.and Garry's advice.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Advice on investment and pension.

How has Gary Metcalf helped you?

By investing with 3rd party.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Had quantity of money that was not working for itself due to the world financial crisis. Needed to invest monies in secure areas and Gary was able to advise appropriately.

How has Gary Metcalf helped you?

Explained the various means of saving/investments, explained types and levels of risks involved with different types of investments. Gary also arranged the Lasting Power of Attorney for my wife and I .

Have you seen the outcome you were hoping for?

Yes, returns overall have been good despite the ever changing market. Gary and his team constantly monitor and adjust my investments according to market fluctuations.

What could they have done better?

Can not honestly think of anything that could have been better. Overall a pleasant experience.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Leicestershire

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

Inferitance tax.

How has Gary Metcalf helped you?

Advised on the inheritance tax and the went on to discuss pensions.

Have you seen the outcome you were hoping for?

Yes I am now drawing my pension.

What could they have done better?

Quite happy with the friendly personal service of the adviser.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

My late wife, Joy, and I received unsound advice from a previous financial and a friend recommended Gary. His advice and recommendations have always been sound. He has arranged both our wills and powers of attorney. We recommended Gary to close friends of ours and thet have very satisfied.

How has Gary Metcalf helped you?

He held regular meetings to sort our finances. After Joy passed away his advise and recommendations were most welcome.

Have you seen the outcome you were hoping for?

Yes, his advice and movement of savings has eased some financial worries that I had.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

I was looking for Pensions and retirement planning advice for myself and my wife. I also wanted to consolidate my pension pots, if that was a good idea.

How has Gary Metcalf helped you?

Gary was extremely helpful. He looked at all my pension schemes and arranged for the money purchase schemes to be consolidated. He also provided advice for my wife. All this was done in our home, during a number of visits that Gary made. He was always most engaging and always keen to help us.

Have you seen the outcome you were hoping for?

I have been very happy with the outcome. Gary's advice has made it easier for me to track my pension plans and plan my retirement. I never felt pressurised into anything, rather Gary discussed options and then I was able to make an informed decision.

What could they have done better?

I don't have any suggestions for what could have been done better.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Leicestershire

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

advice from a work colleague.

How has Gary Metcalf helped you?

advised which way to proceed with my pension.

Have you seen the outcome you were hoping for?

no,quite a large drop in my pension pot.

What could they have done better?

more personal attention,i.e.last suggestion for isa investment sent in the post to fill out forms.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Leicestershire

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

I needed professional advice on how best to look after my money after retiring.

How has Gary Metcalf helped you?

Gary explained the different ways I could invest my retirement pot very plainly. He was very patient and made sure I understood every aspect of what he suggested. He is very 'down to earth' and knowledgable.

Have you seen the outcome you were hoping for?

It is early days but I do have confidence in Gemini.

What could they have done better?

In my circumstances I don't think he could have done anything much better.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Retirement, and lump sum and other savings to invest.

How has Gary Metcalf helped you?

Gave very good advice on type of pension to take and, using my risk requirement, set good investments.

Have you seen the outcome you were hoping for?

Bearing in mind the market returns, yes I have seen the outcome hoped for.

What could they have done better?

Nothing. His service was excellent.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Need to save a lump sum following inheritance.

How has Gary Metcalf helped you?

Assessed our needs, advised on best savings vehicle. Gary and Gemini continue to advise us and suggest alterations to our savings from time to time.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I would like to see our regular status reports include the commission and it would be useful to have the year on year historic changes in our investment more readily displayed.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Suffolk

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

I inherited a lump sum from being widowed that needed investing long term for the protection of my Daughter's and my financial future. I needed advice on what to invest in and how to proceed. He came highly recommended by a friend of the family.

How has Gary Metcalf helped you?

He checked my level of risk and matched this with suitable finance providers. All was clearly explained and documented and I am confident to leave all of this to him.

Have you seen the outcome you were hoping for?

Difficult to make a judgement this early as these investments are very much for the long term, also there has been much volatility in financial markets around the World of late which would have eroded any early signs of good growth in my investment. On the whole I am happy with what Gary has recommended and feel it is safe being watched over by him.

What could they have done better?

At this stage nothing more to add. Happy at the moment.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement.

How has Gary Metcalf helped you?

Good sound advice regarding annuities v draw down.

Have you seen the outcome you were hoping for?

Yes.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Gary

I needed some broad based guidance on retirement and pension decisions facing me. Gary got back to me very promptly. He was very easy to talk to and most helpful in giving me some useful points to consider before making my decisions.

First impression from a user who is not yet a client

April, 2015

Overall

Please provide a brief comment about your experience with Gary

No response as yet.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Gary

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Gary

very professional, helpful, gave me good advice and the confidence to go further

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Gary

He showed a real interest in my concerns and tried to explain process in a simple way so that it was undestandable.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Gary

I can not answer all the question as they are not applicable

Review from verified client

January, 2015

Overall

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Based in Hertfordshire

How has Gary Metcalf helped you?

Gary, is always friendly and polite. He is very much aware of what financially suits us best and talks us through any changes to portfolios. We see Gary very much as a friend and have known him for many years. He has guided us through tricky financial decisions and always, always, given top notch impartial advice. It seems he can't do enough for us and is genuinely interested in us and not just the investments. In short he is valued and trusted friend and very competent financial advisor. He also has a great sense of humour.

What could they have done better?

Not much!

Review from verified client

January, 2015

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Based in Bedfordshire

How has Gary Metcalf helped you?

WE FEEL THAT GARY LISTENS TO US, AND COMES UP WITH A SUITABLE PLAN. HE ALWAYS EXPLAINS CLEARLY HIS IDEAS AND MAKES SURE WE ARE HAPPY WITH HIS RECOMMENDATIONS.

What could they have done better?

Can't think of anything todate

Review from verified client

January, 2015

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Based in Buckinghamshire

How has Gary Metcalf helped you?

Gary is very approachable and his knowledge very broad across the financial spectrum. I would gladly recommend him.

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Gary Metcalf helped you?

Garry is an excellent communicator. He understands our financial needs at our time in life as retired pensioners. His reponse to queries is always clear and prompt. Above all he has patience with us when issues seem complex and will spend time to ensure we understand the details of our investments.

What could they have done better?

We are extremely satisfied with Garry's support and the financial investments that he proposes for us, and also for the team behind him.

Review from verified client

January, 2015

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Based in Lincolnshire

How has Gary Metcalf helped you?

Explains relevant matters in which we are interested. We feel we can trust his advice and that he has our best interests at heart.

What could they have done better?

As far as we are concerned he covers all our needs and we have therefore recommended him to family members.

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Gary Metcalf helped you?

He is able to ascertain your requirements quickly and responds well to your needs.

What could they have done better?

Though not a large investor it would be appreciated if a more regular review was made.

Review from verified client

January, 2015

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Based in Bedfordshire

How has Gary Metcalf helped you?

We first came into contact with Gary Metcalf at a meeting run by Gemini at Flitwick where he spoke about investments and savings. We were very impressed with his clear presentation and integrity. We therefore asked him to a subsequent meeting at our home to discuss savings and investments. My wife and I decided to take out investments with Gemini as a result of the sound information given by Gary. We have been very pleased with the way these investments have progressed particularly from both the standpoint of increasing in value and the lower risk by spreading across the various sectors. Since those early days we have appreciated the regular meetings where Gary comes down to see us so that we can review progress, and also to consider other matters such as Power of Attorney etc. We have always found him to be very helpful but not pushy. He has also a kind and caring approach.

What could they have done better?

Sometimes the follow up could be slightly quicker.

Review from verified client

January, 2015

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Based in Buckinghamshire

How has Gary Metcalf helped you?

Gary provides a very professional service. He makes sure he understands our financial situation, advises on best strategies, suggests a selection of products and provides reliable follows-up.

Review from verified client

January, 2015

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Based in Hertfordshire

How has Gary Metcalf helped you?

Gary Metcalf has been my financial adviser for several years, both when my husband was alive, and since I have been widowed. In all that time he has been of incalculable assistance in everything concerning finances and I place complete faith in his judgments. I would recommend his professionalism and services to all future clients

What could they have done better?

I am completely satisfied with his services.

Review from verified client

January, 2015

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gives good advice on specific product to the clients requirements. Does not push his own agenda that does not meet those requirements.

Review from verified client

January, 2015

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Based in Essex

How has Gary Metcalf helped you?

Gary Metcalf has taken the time to understand our personal needs for the future including understanding our goals and, perhaps most importantly to us , the needs of our next generation. I would reiterate that the most important thing he gives to us is his time. I put my full confidence in him from our initial introduction. I am a 'people person''. Gary is 'people person'!

What could they have done better?

So far no suggestions.

Review from verified client

January, 2015

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Based in Warwickshire

How has Gary Metcalf helped you?

Gary Metcalf is extremely helpful in all matters pertaining to my finances. I greatly value his guidance and expertise as well as his friendliness and he does his best to ensure I understand his proposals and recommendations He is well informed about the current state of both national and global finances. Whenever we have an appointment he is always very punctual.

What could they have done better?

I am unable to fault him in any way.

Review from verified client

January, 2015

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Based in Leicestershire

How has Gary Metcalf helped you?

I desperately needed some advice on my various pension pots I've paid into over the years. Gary explained everything simply and in a jargon free way and he is very approachable and happy to answer any questions you might have, however daft they might seem! Now my pensions have been consolidated and increased in value. Not only that but Gary has helped me to set up a new pension and an income protection plan as I'm self employed. Now I feel much more in control of my finances. Gary is warm and personable and a pleasure to deal with and I wouldn't hesitate to recommend him to anyone looking for a financial advisor.

Review from verified client

January, 2015

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary makes regular visits to keep us up to date with our investments. When my brother in law had to go into a care home the arrangement made by Gary enabled us to pay the fees but retained most of the capital.

Review from verified client

January, 2015

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Based in Hertfordshire

How has Gary Metcalf helped you?

GARY IS AN EXCELLENT ADVISER AND WE HAVE DONE VERY WELL WITH OUR INVESTMENTS SINCE WE HAVE KNOWN HIM.

What could they have done better?

NOT MUCH BETTER.

Review from verified client

January, 2015

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary provides a friendly professional service and offers clear advise based on a good understanding of our situation and our attitude to risk. He is very approachable and explains things well.

Review from verified client

December, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary is very easy to talk and listen to, not at all pushy and intimidating ( unlike some financial advisors). When I first met him he made me feel completely at ease and I just knew that he and Gemini would look after me and my finances well and they have 100%.

Review from verified client

December, 2014

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Based in Leicestershire

How has Gary Metcalf helped you?

Understands customer needs and advises accordingly ,very professional and always happy and on time for every meeting , always there to answer questions on the phone when needed , best of all all investments we have taken out with him are making money .

Review from verified client

December, 2014

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Based in Buckinghamshire

How has Gary Metcalf helped you?

Very friendly, explains things in terms we can understand, without pressurising us to sign up to other products. Having lost faith (and money) with previous financial advisers, nice to deal with the same reliable person for 7 years. Company keeps you updated with how your funds are doing via email link.

Review from verified client

December, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary understands my requirements and provides advice and options on how to maximise the benefits of my investments. This is presented in a simple manner to ensure I understand what is happening to the market and to my money. A thoroughly pleasant person who is a joy to work with.

What could they have done better?

Nothing currently springs to mind.

Review from verified client

November, 2014

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Based in Worcestershire

How has Gary Metcalf helped you?

Regular reviews with us twice a year. Explains the economic situation to us in easily understandable terms.

Review from verified client

October, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Provides a good all round financial advise service.

What could they have done better?

None that I can think of.

Review from verified client

September, 2014

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Based in Nottinghamshire

How has Gary Metcalf helped you?

Gary provides a very friendly, professional and personal service and I would highly recommend his services without any hesitation. Gary undertakes a regular and comprehensive review of my financial situation and provides clear recommendations for my financial planning accordingly.

Review from verified client

September, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary has handled our finances for 4 years. We have complete confidence in him. He has made sure he has a full understanding of our finances so his advice can be tailored to our needs. He does what he says he will do. Initially he called 6 monthly, but as our situation is stable, I asked we now have just an annual review. From our discussions, it is obvious Gary works hard on keeping up with developments so his advice can be relied upon to be up to date.

What could they have done better?

Have another photo taken. He is a lot smarter in real life, I have never seen such a bad hair day

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Gary

I had a very clear and concise discussion with Gary. He has supplied with the accurate information that I required

Review from verified client

August, 2014

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Based in Cambridgeshire

How has Gary Metcalf helped you?

My wife and I have been receiving financial advice from Gary for eight years. He is friendly; easy to ask for information and fully explains any items he is advising. His recommendations have helped us financially and he keeps us aware of changes in the financial market-place. He issues simple financial updates; visits us on a regular basis to discuss any queries and from time to time, updates us about situations which may affect us. We would heartily commend him.

Review from verified client

May, 2014

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Based in West Sussex

How has Gary Metcalf helped you?

Gary was very thorough in going through what investment plan was best suited to my needs. He was completely professional and a high knowledge of this area in the current market. He is an honest businessman, who genuinely cares about his clients and I have already recommended him to friends and family. Gary does not come across as a pushy salesman, he simply provides you with the facts and sound advice, and will leave you to make your own decision. You would go a long way to find a more down to earth, experienced and hands on FA.

Review from verified client

May, 2014

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Based in Bedfordshire

How has Gary Metcalf helped you?

Gary Metcalf is pleasant to deal with and is very reliable. Gary is a good listener. He now knows of our family situation and preferences. He identified the position of our finances and our estate. He also looked to the future and our needs though time. The ideas Gary put to us was supported by explanation and background. Gary always arranges the date and time for the next meeting ( usually 6 months interval ) and leaves contact details should any questions arise. Gary completed documentation promptly and returned information for comment before our memory became cloudy.

What could they have done better?

We can think of no necessary changes required for improvement.

Review from verified client

April, 2014

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Based in Buckinghamshire

How has Gary Metcalf helped you?

Clear and concise advise based on a good understanding of our situation, goals and attidue to risk based on solid research into the options available to us. He keeps up-to-date with current trends and legislation and provokes positive thought using direct contact and the prudent use of information seminars. He is backed by a good team who keep us informed of moves and trends within our portfolio almost as they happen. His recommendations have all proved to be in our best interests and charges have always been a part of all early discussions.

What could they have done better?

I am at a loss to think of any major point that I would raise as a constructive suggestion.

Review from verified client

April, 2014

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Based in Outside UK

How has Gary Metcalf helped you?

Gary was introduced to us by a friend who is also a client of Gary's. He has supplied us with the 'total' service we required in all areas of financial management. Never pushy and very informative. He has always answered all our questions in 'plain English' and is only a phone call away....... we now live in Spain!

What could they have done better?

Very happy with the way things are conducted.

Review from verified client

April, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary knows his stuff! He also embodies Trust and Integrity. What comes across is that he really cares about his clients. He keeps us informed regularly. He seems to go out of his way to ensure we are totally happy with his advice. Happy to recommend his services highly.

What could they have done better?

Nothing to add here!

Review from verified client

March, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Gary visits regularly every six months. He explains things well and makes good recommendations. He follows up queries promptly and his back-up team regularly adjust investments to ensure good results for clients. We consider him a good friend and would not hesitate to recommend him to other people.

Review from verified client

March, 2014

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Based in Cambridgeshire

How has Gary Metcalf helped you?

I have been dealing with Gardy at Gemini since approximately 2006. and prior to that when he was with another company. I find him very knowledgeable, helpful and cheerful. He always reviews my investments every six months without fail and always arrives on time. I am extremely happy that I found such a good adviser and hopefully will continue with his advice for the foreseeable future. I would highly recomment him.

What could they have done better?

Purely from my point of view, I am sure that there isn't anything else that Gary could do better for me.

Review from verified client

March, 2014

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Based in Rutland

How has Gary Metcalf helped you?

Gary is easy to talk to and explains things very well - especially as I only have a very basic knowledge of investments etc. He has helped me greatly with my finances, especially following the death of my husband some 7 years ago who had a really good level of financial expertise and it was he who appointed Gary in the first place. I have every confidence in Gary to oversee my financial investments and he has always acted in my best interests. Any queries I have are always answered immediately.

Review from verified client

March, 2014

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Based in Leicestershire

How has Gary Metcalf helped you?

Gary is the first financial adviser that I have had complete confidence in. His advice has proved to be sound and he shows a genuine interest in his clients. Look no further than this for a Financial Adviser.

What could they have done better?

To date I have no suggestions. Gary requests constructive feedback on his follow-up visits.

Review from verified client

March, 2014

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Based in Leicestershire

How has Gary Metcalf helped you?

Not using flowery language I am happy to state that Gary has mt full confidence in all aspects of Financial Planning and Investments and Savings. I could not ask for a more pleasant person to handle my personal and financial affairs

What could they have done better?

I cannot think of anything that Gary could have improved on in dealing with my affairs

Review from verified client

March, 2014

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Based in Northamptonshire

How has Gary Metcalf helped you?

Regular contact and open for advice at any time which is a valuable service to have access top

What could they have done better?

Nothing comes to mind

Review from verified client

March, 2014

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Based in Cambridgeshire

How has Gary Metcalf helped you?

Keeps abreast of market changes and proactively reports changes that affect us, suggests amendments to investments when appropriate, advises regularly on financial planning topics and is readily available to discuss and respond to our queries. He is also very personable, cheerful, his explanations are easily understandable and our regular, face to face meetings are much appreciated.

Review from verified client

March, 2014

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Based in Leicestershire

How has Gary Metcalf helped you?

I have appreciated the advice and recommendations that I have received from Gary over the years I have dealt with him. He has always been both very approachable and very efficient in the way he operates.

What could they have done better?

Personally, I am very happy with my dealings with Gary and I would have no hesitation recommending him ( which I have done to friends).

Review from verified client

March, 2014

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Based in Leicestershire

How has Gary Metcalf helped you?

Both my wife and i have found Gary very easy to do business with. He is not pushy, and clearly understands our situation and aspirations. His advice is always very considered, and any plus and minus`s are always set out in a way we can easily understand. He clearly has a wide knowledge of a number of different financial vehicles, and as a result we have a broadbased financial profile which we believe will benefit us at various times and in various financial conditions. We have noted that he is in touch with many fund managers and has his "ear to the ground" We have complete confidence in his ablity to guide .us in our financial future

What could they have done better?

better photograph.

Review from verified client

March, 2014

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Based in Leicestershire

How has Gary Metcalf helped you?

Gives honest and sound advice. Gary clearly highlighted the risks and opportunities with our investment which we valued. Gary helped us choose a product which was right for us and we feel more secure financially because of it.

What could they have done better?

Happy with level of service and the frequency of contact is about right.