Andrew Gait

Kilsby Williams and Gould Ltd

contact advisor
  
Overall

4.8

Advice

4.8

Service

4.9

Value

4.6

From 36 reviews

Andrew's Average Client

Savings
£300-500k
Been a Client For
8 Years
Age
58
  • Advice
    Service
    Value

    4.0

    I have known Andy Gait for nearly 40 years through good and bad times. Now widowed I rely entirely on his advice. I look upon him as a friend as well as an adviser. He is always at the end of a phone or easily accessible if there are any concerns and I trust him totally.

    What could your adviser do better?
    (Sort Equitable Life and NDF out!!)

    Susan, Cardiff, Retired

  • Advice
    Service
    Value

    4.0

    Clear understanding of the legal framework and the options available to me in managing my pension fund - both from the investment side and the benefit side

    David, Torfaen

  • Advice
    Service
    Value

    4.3

    With previous financial advisors, after a discussion about my affairs, I've been left feeling that I haven't fully understood what's gone on. Andy takes the time to explain everything well and does so in a straight forward and non-technical manner.

    Cenydd, Newport, Director of Service

  • Advice
    Service
    Value

    5.0

    Very friendly and approachable. Efficient and professional service.

    Caroline Thomas, Vale of Glamorgan

  • Advice
    Service
    Value

    4.7

    I have been a client of Andy Gait since 2003 & he has answered
    any queries & concerns I might have promptly & efficiently
    I would recommend him to anyone needing financial advice

    marilyn, Warwickshire

  • Advice
    Service
    Value

    5.0

    I would readily recommend Andy for his professional and friendly approach to advice. After assessing my future objectives and attitude to risk he has transferred an exceptionally complex portfolio into a much more comprehensive and manageable one. I have been very impressed with his recommendations and the excellent service provided by him and his team. They are all very approachable and always have time for any queries or problems which may arise.

    Denise, Gwent

  • Advice
    Service
    Value

    5.0

    He is a good listener and took time to identify our needs and priorities. He provided a comprehensive report that paid attention to the smallest details. When we met for the second time we felt that he knew and understood us, he did not go over old ground. He checked our understanding all the time using helpful and relevant examples. His explanations made sense and were effective. At no time did we feel pressurised or rushed to make decisions. He explained his fee structure clearly so we knew what we were getting for our money.

    What could your adviser do better?
    Nothing.

    Jonathan, Mid Glamorgan, Professor

  • Advice
    Service
    Value

    4.7

    The first think I liked about Andy was the openness and transparency he brought to the client-adviser relationship: 'In order to be truly independent, I need to bill you directly for my services.'; 'There will be commissions from the investments we agree on - I'll tell you exactly what they are, and you can reinvest them or use them to offset my fees'.

    He began the relationship with a comprehensive analysis of my attitude to and propensity for risk - and that of my wife's - which he continues to review and update. He also analysed previous private pension arrangements, using an external assessor as necessary to calculate whether the funds remained invested independently or become incorporated in my new pension vehicle (a SIPP, in my case). I found Andy's recommendations to be well researched and completely impartial: as a result two remain independent from my SIPP and Andy proactively manages them within the spectrum of my overall risk.

    I also find Andy to be very proactive. For instance, lower risk investments tend to grow very slowly and costs charged by investment funds can quickly erode any gains. Andy has on several occasions intervened to manage down costs through alternative investments, as well as constantly looking for ways to reduce overheads on the SIPP administration. He is equally proactive with under-performing funds, using trends (over a sensible time period) to figure out when it's time to change up and out.


    He communicates regularly and I always have the feeling that he is diligent and in control. His business seems to have all of the systems and controls in place to make good decisions, implement them efficiently, and communicate them effectively.

    In short, he is knowledgable, professional, hardworking and very affable. Go for it!

    What could your adviser do better?
    Not too much, other than maybe find and use the perfect crystal ball. I could argue that he could transact more online, but to be honest I think the face-to-face approach is a bonus in this kind of relationship.

    Andy, Gwent, MD

  • Advice
    Service
    Value

    5.0

    I have found Andy Gait excellent in his advice, and the service he gives. I rely completely on his financial suggestions and am very grateful to him and the rest of his staff. I would highly recommend his company to anyone looking for financial advice.

    What could your adviser do better?
    I have no suggestions as yet, as I find it an excellent service.

    Lyn, South Glamorgan, House person

  • Advice
    Service
    Value

    4.7

    Andy understands the issues we face as a family and provides a sensible client focused approach to meeting our financial goals. His reports are easily understood, and provide a logical analysis and recommendation.

    He is not the cheapest - but good quality advice is worth the cost.

    Andrew, Mid Glamorgan, Chartered Surveyor

  • Advice
    Service
    Value

    5.0

    Andy had an excellent grasp of what we needed to achieve within the timescales given and he's put in place a strategic plan that has served us very well.
    When we went to Andy originally we genuinely has no retirement or succession plans in place and existing investments were fragmented over many years of separate advisors who came and went with no overriding control. Since Andy has taken us on board over 10 years ago everything is fully accounted for and constantly monitored to ensure they are meeting their set objectives and returns for the next generation ahead. Excellent advisor, highly recommended !

    Steve, South Glamorgan

  • Advice
    Service
    Value

    4.7

    Andy is very professional and approachable. He is able to clearly articulate the various options relevant to our circumstances without using complex jargon and my wife and I are currently enjoying the benefits of his financial advice.

    David, Hertfordshire

  • Advice
    Service
    Value

    5.0

    Andy is always quick to respond to any financial queries and advice you may need.

    Elaine, Powys

  • Advice
    Service
    Value

    5.0

    I've had pleasure of knowing Andy for some 12 years since forming my own Limited Company. i've used him in a full advirosry capacity ever since. Through thick and thin in the market his advice has always been open, forthright, non-biased and very welcome. i have in turn recommended Andy to others on strength of advice he has given me and would not hesitate to recommend him again. i contiune to use Andy in all my financial and related needs to this day.

    Steve, Devon

  • Advice
    Service
    Value

    5.0

    I have known Andy Gait and his firm for some years. He and they have given me, and clients whom I have intriduced to them first class advice and service and I will contimue to reccommend clients to them.

    Mike, Gwent, Consultant - Tax Lawyer

  • Advice
    Service
    Value

    5.0

    aNDY IS ALWAYS WELL INFORMED AND PREPARED TO MEET OUR SPECIFIC REQUIREMENTS. HE IS FLEXIBLE AND






























    Andy is always well informed. He knows our requirements and has consistently moved our investments in the right direction.. he is flexible and realises that our position changes as we age and adapts accordingly. He is always approachable and available to give advice



    Martin, South Glamorgan

  • Advice
    Service
    Value

    5.0

    My Advisor is very thorough and efficient and keeps my best, personal interests in mind at all times. He is also willing and able to give advice, very quickly, on other financial issues outside my Managed portfolio.

    damian, Gwent, operations director

  • Advice
    Service
    Value

    4.7

    Having known Andy for many years and been connected with him professionally I had no hesitation in seeking his advice when I needed guidance. His knowledge level is very high and his ethical approach beyond question.

    Alan, Buckinghamshire, N/A

  • Advice
    Service
    Value

    4.3

    Knwledgable and efficient in financial dealings. |Maintains professional attitude which reflects in all dealings amd meetings held.

    alan, South Glamorgan, Marine consultant

  • Advice
    Service
    Value

    5.0

    Andy, in the nicest possible way, made us face up to our problems. He came up with options that are realistic and attainable. As a result, my wife and I have a much clearer picture of the way ahead, as we enter retirement.

    David, Gwent, Locum pharmacist

  • Advice
    Service
    Value

    3.3

    Only first stage meetings have taken place, therefore it is difficult to fully assess the 'value for money' aspect. However, the advice received so far has given us a reasonable indication that it will be good value for money

    Mary, South Glamorgan, HR Administrator

  • Advice
    Service
    Value

    5.0

    I am more than happy to vouch for Andy Gait, because he and his colleagues have guided us skillfully through a very challenging period for both investors and their advisers. They have always provided us with clear, impartial guidance, after first establishing our attitude to risk and confirming our financial and lifestyle objectives. What is more, they have always ensured that we fully understood the types of financial products they were recommending and why they felt them suitable for us. They even got me out of an (expensive) mess with my SIPP when I made changes to my fund holdings myself online and got the wrong categories! They are very user-friendly and responsive with their administration, which is an important consideration when they are managing a significant part of your investments and pensions.

    Robin, South Glamorgan

  • Advice
    Service
    Value

    5.0

    I would vouch for my adviser because he offers a professional service in understanding my needs and goals, paying particular attention to my attitude to risk. His investment recommendations are patiiently and clearly explained. The charges are clearly explained and I feel offer value for money. That is why I have stayed with him for the last ten years.The Banks, City and Financial sector have an appalling record these days and so it is vital that I use a trustworthy professional to run my financial affairs.

    Ernest, Gwent

  • Advice
    Service
    Value

    5.0

    I really appreciated advice in the form of a coherent overview rather than advice on a subject by subject basis. I also benefitted from the close relationship with the different parts of their business as they deal with my personal and company matters.. Andrew in particular provides a very balanced view and a safe pair of hands, which means that i do not need to worry about that side of the business or my personal affairs. I get regular updates when I need them to keep me up to speed, without it being too much and getting in the way.

    Robin, London, Director

  • Advice
    Service
    Value

    4.7

    Andy is an experienced professional and is very easy to communicate with. He and his colleagues are very responsive and I am pleased to commend them

    Keith, Gwent

  • Advice
    Service
    Value

    5.0

    Would highly recommend. Thorough in explaining all options. No pressure

    Claire, Gwent

  • Advice
    Service
    Value

    5.0

    I became client in 2001 after the death of my husband, I was treated with respect at a very vulnerable period of my life. My views were sought and listened to and the advice given has been second to none, taking into account the risks I was prepared to take. He has continued to advise me over the years and his advice has been very sound.

    Jillian, Hampshire

  • Advice
    Service
    Value

    5.0

    Full annual review with excellent communication and written portfolio always carried out, together with constant monitoring of investments. Sound advise given with full explanation as to how our investments will be utilised to provide the best possible return.

    Emma, Avon

  • Advice
    Service
    Value

    4.0

    First class advice.

    Alan, Gwent

  • Advice
    Service
    Value

    5.0

    Andy Gait is very knowledgeable, professional and helpful. He explained our options in very clear detail and everything was done as well as can possibly be expected. I highly recommend Andy's services.

    Susan Z, London, Researcher

  • Advice
    Service
    Value

    5.0

    Andrew is great to deal with either by e-mail or by phone, he will always find time to answer any questions you may wish to put to him, further more he has a good sence of humour.

    JOHN, Gwent

  • Advice
    Service
    Value

    5.0

    na

    philip, West Glamorgan, director

  • Advice
    Service
    Value

    4.3

    Andy offers a good clarity of explaining how to meet my objectives with constant reviews and advise on global market situations and adjusting investments accordingly. I find KWG pro active in the interests of my investments.

    paul, Gwent, director

  • Advice
    Service
    Value

    5.0

    Dear Sir/Madame,
    I cannot Recommend Mr Gaits highly Enough He is very Professional and has Invested quite a large some of money for me very wisely even in this very bad climate, please do not hesitate to use Mr Gaits I would not trust anybody else with my Investments.

    jenkins, Mid Glamorgan

  • Advice
    Service
    Value

    5.0

    Andrew has acted for me for a very long time. Without his guidance I would not have been able to retire at 54 years of age. He has guided me to sensible investments and taken a great deal of time to get to know my risk profile. He is quite prepared to listen to argument, quite prepared to stand his ground and quite prepared to compromise. I have recommended him to friends and I know he has been instructed by former business partners of mine who would not have instructed him if they did not rate his ability highly. I was able to maximise my pension contributions each year and put me in a position to retire early.

    Colin, South Glamorgan, Solicitor

  • Advice
    Service
    Value

    5.0

    We have found the service to be very professional and comprehensive. Discussions are held regularly to ensure our wishes are observed, during these discussions we are presented with a very comprehensive analysis of all current investments and strategies as well as any relevant options. The 'team' is easy to contact, very responsive, and very pleasant to deal with. Our business with this advisor has helped establish a much more tax efficient savings plan with any disposable income we have accrued, He has also set up a robust pension and retirement plan. Both these have saved us money and they have also ensured that our savings are secure.

    Peter, South Glamorgan, Academic

  • First Impressions from VouchedFor users who contacted Andrew

  • Initial Rating


    Initial meeting has gone very well and cost nothing, still deciding weather to proceed any further. Very easy to get on with, and very knowledgeable ,would recommend.

    peter

      
  • Andrew's Clients

    Savings Average = £300-500k

    £20-50k
    £50-100k
    £100-200k
    £200-300k
    £300-500k
    £500k-1m
    £1m-2m
    £2m-5m
    £5m+
  • Clients' Financial Expertise

    High
    Average
    Low
  • Age

    Average = 58

    30-40
    40-50
    50-60
    60-70
    70+
  • Occupation

    Executive
    Professional
    Business Owner
    Administrative
    Homemaker
    Retired
    Other
  • Time as a Client (Yrs)

    2-3
    3-5
    5-10
    10+
Disclaimer: I anticipate an initial meeting lasting approximately 1 hour and I will not charge for this initial meeting.


Please Note: While VouchedFor.co.uk undertakes significant effort to ensure the information provided on this website is correct, it is your responsibility to confirm its accuracy with the advisor. Any decisions you take having spoken with the adviser must be made by you on the basis of your own investigations. Use of this website is subject to the website terms & conditions and privacy policy.


How VouchedFor works