Reviewed for

Insurance and Protection ( 11 )

Mortgages ( 2 )

Pensions ( 44 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 22 )

Investments and Savings ( 64 )

Pension Transfers - Non Specialist ( 9 )

Inheritance Planning ( 5 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 2 )

Financial Planning ( 21 )

Financial Mentoring ( 2 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 8 )

£200k - £500k ( 11 )

£100k - £200k ( 6 )

£50k - 100k ( 8 )

Up to £50k ( 9 )

Client reviews

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

For advice and clarity on pensions, and to see if it was financially viable for me to retire.

How has Martin Joyce helped you?

Through simple, yet detailed explanations and graphs, he showed me that I could indeed afford to retire without any compromises to my lifestyle.

Have you seen the outcome you were hoping for?

Yes, although I have only had a couple of consultations with Martin, I have a better understanding about my pensions, and, with his help and advice moving forwards, feel more confident about my future financially.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Help with growing my pension to reach my retirement goals.

How has Martin Joyce helped you?

Martin has given me honest and clear advice of what I needed to do to maximise my pension savings. He provided a visual representation of what my retirement would look like financially which was very beneficial.

Have you seen the outcome you were hoping for?

Yes and ahead of time!

What could they have done better?

Nothing. I was nervous trusting a financial advisor but I couldn’t have been in better hands.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

I needed to know if I could afford to retire at 67 or not and if not, what I needed to do to achieve that or an earlier retirement age.

How has Martin Joyce helped you?

Martin collected various pieces of information from me about my existing pensions, my expenditure, my wishes/plans for the future and the kind of lifestyle that I wanted to retire with. He then put them into his planning software and came out with a plan to invest in self invested pension plan, gaining tax advantages in doing so and showing the progress of what do with various pensions as they realise.

Have you seen the outcome you were hoping for?

Yes, my aim is to retire earlier than 67. Now with making over payments on my mortgage, I am confident that I may retire before 65.

What could they have done better?

Make available the graph shown on screen as an attachment of embed into the annual review report.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Had to got to that age really where retirement was in my thoughts.

How has Martin Joyce helped you?

Martin gave me the best possible way forward way for me to achieve my goals in planning for my retirement, of which have now came to fruition. Through Martins planning my goals have been reached even though we have been going through a recession.

Have you seen the outcome you were hoping for?

Without doubt. Would even say outcome was better than i thought.

What could they have done better?

Not really much more than i can think off. Even through the pandemic Martin was in touch making sure we were updated with our pension and investment performance.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

We were looking for advice on planning for the future

How has Martin Joyce helped you?

Martin offered excellent, professional advice during a very trying time for me and my family.

Have you seen the outcome you were hoping for?

Absolutely yes and I'd strongly recommend Martin to anyone.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was investing money with Fidelity and was keen to look at other options

How has Martin Joyce helped you?

Martin is very detailed in his approach and allows to invest an appropriate level of income without this impacting on our lifestyle. His advice has been extremely valuable and rewarding

Have you seen the outcome you were hoping for?

Without a doubt. Our investments have performed strongly over the past 10 years

What could they have done better?

Not a thing

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Both myself and my wife are both retired so we're looking for financial advice.

How has Martin Joyce helped you?

Martins advice is really helpful and sound.

Have you seen the outcome you were hoping for?

Yes we have the outcome we were hoping for.

What could they have done better?

Martin is always improving his services.

First impression from a user who is not yet a client

June, 2023

Overall

Please provide a brief comment about your experience with Martin

We really valued Martin's bespoke and client centred approach and would highly recommend him

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Looking to retire in the next year and wanted to ensure we were in good financial position;

How has Martin Joyce helped you?

Martin looked at our current pensions, savings and investments to work out a financial plan through our retirement. Offered advice on future pension options and tax.

Have you seen the outcome you were hoping for?

Not yet retired but know we are in a good financial position to do so. The plan prepared by Martin confirmed this nd gived us piece of mind to retire at a suitable time

What could they have done better?

Martin did what we asked of him.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was retiring shortly and was keen to get advice on financial planning and options for my pension lump sum

How has Martin Joyce helped you?

Martin's advice put my mind at ease and really clarify my options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Difficult to say

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was investing money monthly into ISAs but wanted expert financial advice regarding investment strategy

How has Martin Joyce helped you?

Martin is very thorough and has helped me invest an agreed, affordable amount of money into investments without impacting my current lifestyle

Have you seen the outcome you were hoping for?

Absolutely. I have been pleased with the level of returns my investments have gained

What could they have done better?

Absolutely nothing

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

We were being overburdened with trying to keep on top of the various investments and savings that we had accumulated.

How has Martin Joyce helped you?

Martin has taken a strategic approach and collated our investments in a tax efficient, simplified manner while being mindful of our personal circumstances and preferences, for the medium to long term period.

Have you seen the outcome you were hoping for?

Yes, things are progressing steadily.

What could they have done better?

I cannot think of anything.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Financial planning for retirement.

How has Martin Joyce helped you?

Martin helped me to make a plan for my retirement and consolidate my pensions, he ensured that I was comfortable with the advice he was giving me and took the time to explain everything in terms that I could understand.

Have you seen the outcome you were hoping for?

Yes I have been pleased with the outcomes.

What could they have done better?

Nothing, I myself could have contacted him sooner.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Advice on my investments

How has Martin Joyce helped you?

got me through financial uncertain times and volatility

Have you seen the outcome you were hoping for?

yes, I was able to retire early

What could they have done better?

nothing

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

money left in a will

How has Martin Joyce helped you?

with my finances

Have you seen the outcome you were hoping for?

yes fantastic

What could they have done better?

nothing

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was worried that I wouldn’t be able to afford to retire.

How has Martin Joyce helped you?

Martin set about creating a financial plan which showed me a picture of my financial future if I did nothing and then, created a picture of my financial future by investing in a pension plan, receiving huge tax advantages and giving me huge piece of mind. Knowing that I can retire comfortably in 11 years time is enormously relieving.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don’t think BFP could’ve done anything better. They very nice people and really explain things well.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was looking for guidance on how best to manage my financial affairs and plan for the future.

How has Martin Joyce helped you?

Martin was fantastic, he really took the time to understand and listen to my individual requirements and tailored his advice on that.

Have you seen the outcome you were hoping for?

Absolutely I am delighted with the outcome.

What could they have done better?

Nothing , his service was so inclusive and forward thinking.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Having left it quite late to sort out a pension, I approached Martin to help me find a route to retirement.

How has Martin Joyce helped you?

Martin has shown me how by making some small changes now I could have a much more comfortable retirement.

Have you seen the outcome you were hoping for?

Early days, but I'm confident my finances will be in much better shape, and I'll be less worried.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

My wife and I had a very diverse financial investment and pension portfolio and required advise regarding potential consolidation to support early retirement, preferably from a local adviser.

How has Martin Joyce helped you?

Martin was very quick to make contact and conduct a thorough fact finding review of our financial status and expectations. With the Lifestyle planning tool, Martin was able to map out the key milestones in our retirement and demonstrate what our potential scenarios could be, depending on the future decisions we made.

Have you seen the outcome you were hoping for?

The relationship is in its infancy and unfortunately commenced during COVID and the recent economic down turn. Expectations were set on a longer term view.

What could they have done better?

Pleased with the engagement and responsiveness thus far.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I wanted advice as to when to take a deferred defined benefit pension and to have a financial plan prepared to allow my husband and I to plan for the future as we approach retirement age.

How has Martin Joyce helped you?

Martin dealt with a fairly complicated situation very thoroughly and prepared a detailed and extremely interesting financial plan which was easy to understand and which will allow us to make informed decisions about our financial future.

Have you seen the outcome you were hoping for?

Too early to say.

What could they have done better?

Nothing in my opinion. All admin was handled very promptly and efficiently and I have complete confidence in the information imparted.

Martin's reply

It was our pleasure Dilys. Thank you for taking the time to write your review. Take care and best wishes Martin

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

To consolidate my pensions and financial advice and retirement planning.

How has Martin Joyce helped you?

He spent time getting to know me and what I wanted from my retirement, then drew up plan on how to make that happen.

Have you seen the outcome you were hoping for?

Yes I have, and I'm continuing to work with him.

What could they have done better?

Nothing really, have found him to be very approachable and happy to take the time to explain things.

Martin's reply

Hi Christine, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

Our investments at that time were not were we wanted them to be and we were looking for a trusted FA to take over our investment portfolio for there longer term.

How has Martin Joyce helped you?

Martin introduced himself in a smart and professional manor and took considerable time and interest to find out what our long term goals and ambitions were with our current portfolio. After taking our long term goals into account he proposed an alternative investment portfolio that suited our needs. He then discussed the portfolio in detail but in an easy to understand manor. The portfolio has now been in place for a number of years.

Have you seen the outcome you were hoping for?

Yes. The portfolio has been performing excellently and we take annual advice from Martin to plan for the year ahead.

What could they have done better?

That would be hard to say, as risk exposure , fees and portfolio performance have all been accounted for and supporting fees kept low as possible.

Martin's reply

Hi Charles, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

Early retirement.

How has Martin Joyce helped you?

Martin helped review my options for early retirement. He took time to explain everything to myself and my wife. He explained everything in a manner that was easy to understand. He set up my investments portfolio and nothing is ever to much trouble for him. Martin keeps us up to date with regular updates, visits and calls. My investments are preforming well and the service is excellent.

Have you seen the outcome you were hoping for?

Yes the outcome and service is surpassed what I expected.

What could they have done better?

Nothing. I am delighted with what I have in place. I know that I’m with a knowledgeable, trustworthy person who keeps me well informed.

Martin's reply

Hi Allan, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

I had pre existing investments that I wanted to to get more from and I wanted to take advice from and advisor

How has Martin Joyce helped you?

Martin discussed my needs and advised on how best to transfer over my assets to get more from them. He performed a full financial review to determine how much we could comfortably afford to invest each month and also completed a questionnaire to identify the type of investment to suit my needs

Have you seen the outcome you were hoping for?

My investments have performed very well over the past 10 years in no small part due to Martin’s dedication

What could they have done better?

I can’t think of any aspect of Martin’s service that I would improve

Martin's reply

Hi Chris, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

Retirement, investing for a secure future

How has Martin Joyce helped you?

In depth analysis of assets & circumstances, and detailed outline of investment options & risks

Have you seen the outcome you were hoping for?

100%

What could they have done better?

I’m entirely satisfied with the service to date.

Martin's reply

Hi Bill, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Money left in a will

How has Martin Joyce helped you?

With my finances

Have you seen the outcome you were hoping for?

Yes he was fantastic

What could they have done better?

Nothing

Martin's reply

Hi Carol, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

Got to that age really where retirement was in my thoughts.

How has Martin Joyce helped you?

Martin gave me the bestossible way for me to achieve my goals in planning for the retirement.

Have you seen the outcome you were hoping for?

Absolutely. Would say better than I had thought.

What could they have done better?

Not really much more than I can think off. Even during the pandemic Martin was in touch making sure we were up dated with investment and pention performance.

Martin's reply

Hi Andy, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

We needed someone to manage our finances

How has Martin Joyce helped you?

Planning of our investments

Have you seen the outcome you were hoping for?

Ye

What could they have done better?

Nothing, all perfect.

Martin's reply

Hi Ian and Liz, thank you so much for your kind comments and review. It's very much appreciated. Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

Unsure of the implications of accumulated wealth and was referred to Martin Joyce by my bank.

How has Martin Joyce helped you?

He gave me valuable advice when I most needed it and in terminology that I could understand. I trusted him right from the start and still do.

Have you seen the outcome you were hoping for?

Yes . His advice on investments has proved to be very profitable throughout very unstable times.

What could they have done better?

I cannot think of anything that could have helped me more. Indeed, I do not know how I would have coped without his advice.

Martin's reply

Hi Pat, thank you so much for your kind comments and review. It's very much appreciated. Catch up soon Warmest regards Martin

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

We needed professional help with our personal savings and investments as trying to manage everything ourselves was too much.

How has Martin Joyce helped you?

Over the past two years he has helped by getting to know us as individuals and listened when we discussed our thoughts and comfort levels and our little quirks and foibles when investing. By doing so Martin has simplified our many investment odds and ends products which were overwhelming us, into a healthy long term tax efficient portfolio.

Have you seen the outcome you were hoping for?

Yes, things are progressing well.

What could they have done better?

Cannot think of anything.

Martin's reply

Hi Myra, thank you so much for your kind comments and review. It's very much appreciated. Catch up soon Warmest regards Martin

Review from verified client

November, 2021

Overall

Value

Service

Advice

Based in Renfrewshire

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

To grow my money

How has Martin Joyce helped you?

Clear and concise information

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

For many years we had only a bank account and as our savings increased we felt we should seek more specialist advice, especially as we were approaching retirement and thinking of our future security.

How has Martin Joyce helped you?

Martin Joyce proved to be very helpful and seemed to understand our situation. He was easy to talk to and he talked to us in language we could understand. His explanations when doing business for us were always clear and to the point.

Have you seen the outcome you were hoping for?

We were not disappointed in any advice offered. Martin has chosen wisely for us in these turbulent times. We could not have achieved our standard of living (financially) without this expert advice. Total satisfaction.

What could they have done better?

We cannot think of any other advice that could have been offered.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

Both my wife and I retired early so we needed sound Financial advice.

How has Martin Joyce helped you?

Martin advised us the best way to invest and help our pensions grow.

Have you seen the outcome you were hoping for?

We were both very satisfied with the outcome.

What could they have done better?

Martin is always improving his service and he is only a phone call away.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

Needed to invest money in a reliable company

How has Martin Joyce helped you?

Martins help and advice on investing my money was exceptional.

Have you seen the outcome you were hoping for?

Yes definately investments could not have been better.

What could they have done better?

Martin could not have done better.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

I needed someone to manage my investments

How has Martin Joyce helped you?

Martin has been helping me since he was in the TSB.

Have you seen the outcome you were hoping for?

Yes. I have a well managed portfolio.

What could they have done better?

Nothing really. He is doing a very good job.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

Pension information

How has Martin Joyce helped you?

Martin was very thorough when explaining all aspects of my pensions.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

clarity on financial future.

How has Martin Joyce helped you?

clarity of information, well presented, firmness of detail on my financial plan. Easy to speak to. Illustrates to make things easy to understand. Means I can plan for my future with confidence.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing I can think of

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

My pensions were due to mature and I wanted to continue to work so needed advice on the best way forward.

How has Martin Joyce helped you?

Martin helped me create a plan for my future, taking in to account my finanicial needs and gave me advice on what to do next.

Have you seen the outcome you were hoping for?

I am still in the process of completing things but Martin has been very good at advising on things that I would never have thought of, and taking into account the kind of lifestyle I would like when I do retire.

What could they have done better?

At this moment in time nothing.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Martin

Explained everything in a clear way. Up front about the fees and services

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Dumfriesshire

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

Needed advice on planning ahead with income and pension

How has Martin Joyce helped you?

Holistic approach to my overall financial situation. Had time to get to know me and my situation and build a helpful financial plan for the future.

Have you seen the outcome you were hoping for?

Yes realise that I now know where I am going at my stage in life with plans for the future. Feel relieved with the knowledge that I have expert o going professional help.

What could they have done better?

I am delighted.

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Martin

All fine

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Midlothian

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

We wanted advice on tackling our debt and maximising our savings and pensions

How has Martin Joyce helped you?

Martin analysed our income, debt and pensions and advised us what to tackle first. He has offered us advice on pensions, savings and supported us re negotiate our mortgage

Have you seen the outcome you were hoping for?

The outcome has beyond anything we expected. Working with Martin has sorted things out for us practically. We feel that we are more in control than ever before and are on the right track for future security

What could they have done better?

Nothing. Martin goes above and beyond in every instance

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

Because our savings weren’t doing good at the bank and we were looking for a better return.

How has Martin Joyce helped you?

Very good, explained everything clearly on the best route and it’s been a let good success.

Have you seen the outcome you were hoping for?

It’s excelled the outcome we were hoping for

What could they have done better?

Not a thing, absolutely brilliant

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was looking for pension advice with the intention to save more towards my retirement.

How has Martin Joyce helped you?

Martin was very patient and explained my options in a clear and simple manner. He guided me through what is a very complicated subject and explained in a way that I understood everything. He was very helpful, honest and feel that I've receive true value from our meetings.

Have you seen the outcome you were hoping for?

Yes, most definitely. Martin put my mind at ease and was very thorough.

What could they have done better?

Nothing.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

We have a lump sum from savings and a house sale and wanted to have a full review of our finances with a view to finding a financial plan for the future.

How has Martin Joyce helped you?

Martin told us what he could offer. We thought about things for a while then decided to use him to advise us. He then gathered all our relevant financial information, which took about 6 weeks and started working on his assessment of our situation. Martin has given us a report on our current finances and is now waiting on us deciding on levels of risk we are prepared to accept before moving forward with implementation of a plan.

Have you seen the outcome you were hoping for?

Yes. We are also very impressed that Martin is extremely open and honest with us about our situation. He has never pressurised us into rushing into any decisions.

What could they have done better?

Nothing.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

clarity on financial future.

How has Martin Joyce helped you?

clarity of information, well presented, firmness of detail on my financial plan. Easy to speak to. Illustrates to make things easy to understand. Means I can plan for my future with confidence.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing I can think of

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

We were looking for advice on making provision towards retirement and long term planning to secure a comfortable future.

How has Martin Joyce helped you?

He gave clear advice and explained how we could achieve our goals . There was no pressure and clearly wants to achieve the best outcome for us as clients.

Have you seen the outcome you were hoping for?

Yes we have a future plan which has been explained clearly by Martin and confident that he will continue to be there to support us.

What could they have done better?

I would have no hesitation in recommending Martin, totally professional and very impressed with his integrity.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

We as a couple are getting on in years and were looking to simplify the handling of the various savings, investments and pension products we've held for a number of years as they were getting to be too much of a burden for us to look after ourselves.

How has Martin Joyce helped you?

Martin spent a considerable amount of time going through everything we had and has now created a tax efficient lifestyle plan for us in a much easier format that we can understand and its suitability to our attitude to risk whilst hopefully still protecting the value of our investments in the future.

Have you seen the outcome you were hoping for?

It is early days but we are confident that Martin has set us on the right course for our future investment income needs.

What could they have done better?

Nothing comes to mind, we have used a couple of financial advisers in the past with mixed results but Martin Joyce is very patient and takes the time to explain things properly in a way we can understand.

First impression from a user who is not yet a client

August, 2019

Overall

Please provide a brief comment about your experience with Martin

Excellent service his care and attention to detail were impeccable. Would recommend him to anyone.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

i wanted to transfer out of my employers pension scheme

How has Martin Joyce helped you?

in conjunction with his associate arranged the transfer of my final salary and money purchase pensions

Have you seen the outcome you were hoping for?

the transfer has only recently taken place but early indications are encouraging.

What could they have done better?

martin explained at the outset that it is a long process but anything that could be done to speed this up would be better

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with Martin

Only issue was appointment times. No early evening appointments. I appreciate other commitments take priority.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

consolidating my pension investments and review of pension and investment provisions

How has Martin Joyce helped you?

Martin has assisted by advising on my lifetime cost planning and my investment strategy

Have you seen the outcome you were hoping for?

Yes, I am clear on the steps I need to take and the implications of my decisions.

What could they have done better?

I am very happy with Martin's advice, I have nothing to add here.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Renfrewshire

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

Wanting to retire and looking for support in Transferring my final Salary pension.

How has Martin Joyce helped you?

Martin was very support in talking me through all steps that would be required and also putting me onto specialist to work with in transferring pension. Martin and pension consultant spent a lot of time ensuring I was clear with process and went through all pros and cons for doing what I wanted to do. They spend plenty of quality time with me and also was there anytime I had question.

Have you seen the outcome you were hoping for?

I am happy with advice and recommendations I have been given. I am still waiting on all final arrangement coming to completion but I believe this will happen in due course.

What could they have done better?

I am new to this dealing with financial adviser, I do believe Martin did all that was required and really put myself and husband at ease with whole process

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Renfrewshire

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

Early retirement financial planning with pension and investments.

How has Martin Joyce helped you?

From the start Martin was extremely helpful, efficient, insightful and provided a personal touch. He has visited us several times and spent a lot of time and patience explaining everything to us. No question or query was too much trouble for him.

Have you seen the outcome you were hoping for?

Yes. Definitely.

What could they have done better?

Two words......absolutely nothing.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

My previous advisor was not providing any satisfactory service and Brierie came very highly recommended.

How has Martin Joyce helped you?

By looking at my situation and was very helpful and in pointing me in the direction that was best suited for me.

Have you seen the outcome you were hoping for?

No as I am now in the process of taking things forward.

What could they have done better?

Honestly I could not find fault him, he was very honest and professional with his understanding of my situation.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

Planning finances for retirement and looking for advice regarding pensions and investments.

How has Martin Joyce helped you?

Martin provided a personalised plan to demonstrate a financial forecast to take us through retirement to end of life based on our anticipated lifestyle in the future. Against this he provided advice on pensions, investment and other planned and predicted financial events.

Have you seen the outcome you were hoping for?

We transferred our business to Brieire Financial Planning as I have known Martin and Laura for several years and completely trust them to look after my financial position moving forward. In my opinion the advice offered was honest and realistic and I felt there was absolutely no pressure to do anything I was not happy with. I am confident that i have made the right choice moving my business over to Martin and that things will go well in the future.

What could they have done better?

I was completely satisifed with the professional and couteous service offered.

First impression from a user who is not yet a client

August, 2017

Overall

Please provide a brief comment about your experience with Martin

Martin was very straight forward with what he explained to us. We actually found that talking to him gave us a clearer view of where we were financially and realised we were actually in quite a good place and really didn't need any more advice. All in all a very rewarding experience.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

Due to a sudden illness I was acutely aware that I needed to review my pension arrangements.

How has Martin Joyce helped you?

Having known Martin for a number of years in both a personal and professional capacity, I was fully aware of Martin's knowledge, professionalism, integrity and manner. Martin took the time to fully explore and address all of my pension needs in a way that has helped me enormously and which I'm more than delighted with.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing. Martin's advice and service was second to none.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

We were unsure of the value of our saving and pensions plans and wanted some expert guidance on the way forward for our family.

How has Martin Joyce helped you?

Martin and Laura were truly exceptional . The innovation of their service and the personal contact really made us feel that they were with us every step of the way to make my family secure . And every time he came Martin brought chocolate biscuits ...he had us from day one then !.

Have you seen the outcome you were hoping for?

Yes we feel empowered to live our lives now without fear of the future and the valuable information we now have at our fingers let's us plan and react how we want and not blindly .

What could they have done better?

Nothing ...I was impressed by Martins honesty and patience and also his recommendations that we do not do some things we wanted to do even though it would hemave benefitted people he works with . That level of integrity you cannot buy and comes from inside ...we believe Martin and Laura have the same moral background as us and that's important to us

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

I'm planning retirement in the next few years and wanted reassurance that everything was in order and I am aware of any pitfalls.

How has Martin Joyce helped you?

Martin produced a detailed financial plan and projection based on income and expenditure. This included projections of pension income and sources of funding.

Have you seen the outcome you were hoping for?

Yes. The results of the review provided me with the reassurance I sought. In addition, Martin identified a couple of areas to review and investigate further. This proved very helpful.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

Our last advisor had not been touch with us for 2 year, did not keep us up too date with our investments.

How has Martin Joyce helped you?

Martin has been really helpful with advising us of the best way forward with our investments.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not a lot he explained everything in detail and made sure we understood everything he was telling us .

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Martin

I decided that I only wanted to use part of the service that Martin provided, so he recommended I use another Financial Advisor.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Pension pot query.

How has Martin Joyce helped you?

Martin easily grasped my needs and goals and was a joy to talk to!.

Have you seen the outcome you were hoping for?

Not easy but we are working on it!.

What could they have done better?

Martin could not have done anything better. He was extremely down to earth and free with all of his advice. Extremely pleasant to deal with. I never usually recommend people but I have no hesitation in recommending Martin.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

To commence a private pension.

How has Martin Joyce helped you?

Martin carried out a full assessment of my needs to allow me to plan for the future.

Have you seen the outcome you were hoping for?

Yes. Martin has made the process straight forward and easy to understand.

What could they have done better?

Nothing.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

poor service from institutional provider.

How has Martin Joyce helped you?

Made very simple the steps for resolving confusing issues.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

nothing that I know

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

invest a lump sum of capital.

How has Martin Joyce helped you?

he understood my needs and goals, explained everything clearly, invested in a reliable way.

Have you seen the outcome you were hoping for?

yes very happy everything was clear and concise and delivered in a simple way which I understood. Took the complexity out and made it easy for me. Money is invested in a more tax efficient way than it was previously. All products and advice was well suited to me and I value his advice greatly.

What could they have done better?

none

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Need help.

How has Martin Joyce helped you?

Understood my needs and gold.

Have you seen the outcome you were hoping for?

I am happy with the result of the advice.

What could they have done better?

Nothing

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was seeking advice regarding my pension and my personal finances. I had savings in the bank and I wanted good financial advice.

How has Martin Joyce helped you?

Martin was recommended to us by a very close friend of ours. On our first meeting I felt his friendly manner and genuine interest was admiral.I found his advice to be clear and concise.He was able to answer all of our questions. We have been provided with with a great portfolio and the advice has been tailored to suit our financial needs.and now feel I can get on with living my life and don't have to worry about my finances as they are in safe professional hands.I found Martin to be honest trustworthy and reliable.

Have you seen the outcome you were hoping for?

The planned changes have now been completed.Martins knowledge of the new pension changes was excellent.

What could they have done better?

I don't think he could have done any better.The communication was the most important thing to me and this was excellent throughout. I have no hesitation in recommending Mr Joyce to any of my friends or family. Great job well done.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was seeking advice about how best to invest my expendable income to maximise its growth.

How has Martin Joyce helped you?

Martin conducted a very deatiled review of my families finances. This included details of my income, my wife's income and all household expenditure. This took a little effort to complete but I felt this was necessary and worthwhile to allow Martin to make informed choices about my investment strategy. We met on 3 occasions to allow Martin to find out my investment goals and therefore match his products to my needs. Martin is very clear about the immediate and ongoing fees for his service.

Have you seen the outcome you were hoping for?

Time will tell but I am confident that I have an appropriate investment strategy.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Renfrewshire

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

I had concerns regarding a 'gap' in my family's life insurance arrangements.

How has Martin Joyce helped you?

Martin was very thorough, patient and knowledgeable - happy to walk through details of the options available, and most importantly was able to tune into our family's specific needs. We felt very comfortable making decisions based on Martin's recommendations and advice, and believe we are now in a much more financially secure position.

Have you seen the outcome you were hoping for?

Yes, very pleased with the advice and recommendations provided and feel we have closed the 'gap' in our life insurance requirements.

What could they have done better?

From start to finish Martin was first class, and have no recommendations for improvement.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

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

I purchased a property and wanted my family to have a secure future.

How has Martin Joyce helped you?

Martin listened to all my needs and explained all the options to me that made it really easy for me to decide the policy I needed.

Have you seen the outcome you were hoping for?

I don't think I would have came close to getting a policy as good as the one I chose if I would have tried to do so on my own.

What could they have done better?

Nothing, I am totally happy with the service martin provided. Great job!

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Renfrewshire

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

Remortgaging and changes in family circumstances meant our policies were inadequate.

How has Martin Joyce helped you?

I contacted Martin after a recommendation. We required new Life insurance policies due to remortgaging and having two young boys. I was concerned about the level of cover we had and i needed some expert advice regarding this. I could not have contacted a more professional and caring gentleman. Being a family man himself he was able to identify with my needs. Martin was able to examine our existing policies and point out in simple terms what cover they offered and more importantly the level of cover that they did not offer. After a very relaxed and professional consultation Martin started researching new policies which would give the level of cover our family required. After a short period Martin found a policy which not only matched our requirements but also was within the budget we had set. We have now concluded these policies and feel that we made an excellent decision in using Martin as our financial advisor.

Have you seen the outcome you were hoping for?

Currently we have cancelled our outdated and inadequate policies. We have replaced these with the very comprehensive new policies researched by Martin. Doing this process with Martin has given us the reassurance we required and even exceeded our expectations.

What could they have done better?

Nothing. Martin was a joy to work with. My knowledge of the services my family required is limited. All of my fears were unnecessary. Martin was able to make us feel very relaxed and explain the confusing details of these policies in terms we could understand. I will definitely use his services again in the future and cant recommend him enough. It was obvious to myself that he takes pride in what he does and genuinely strives to ensure that he delivers a first class service to his clients.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Having used Martin for several years since he was with TSB, I was happy for him to continue as my IFA.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin is a clear, unambiguous comunicator who is able to explain in non technical client friendly language the basis of his portfolio recommendations. Martin clearly listened and understood my financial aspirations and boundaries, producing thoroughly researched proposals for an investments and savings portfolio. Martin's work ethic and integrity command respect and provide a sound basis for confidence in his investments and savings advice.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

past experience is very positive and I have continued to take Martin's advice into the future, clear and concise advice and overall happy.

What could they have done better?

nothing he could have done better, I'm very happy

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

My husband and I both agree that Mr Joyce has been so helpful in dealing with our finances especially in latter years when investments have become so important to us. Neither of us has a business background and, therefore, Mr Joyce's very clear explanations of all advice given to us has been invaluable. We have a fairly cautious view of investments and he seems to understand this and advises accordingly. All advice given has proved to be extremely beneficial and so as pensioners we are very comfortably placed to face the future, I am sure, all due to very wise advice from Mr Joyce. We trust his integrity totally. He is so approachable if we do have any concerns. He is well-mannered and courteous and this is very much appreciated by us. and we always look forward to his regular visits to up-date us.

What could they have done better?

I understand that constructive suggestions might be appreciated but there is nothing that I feel is lacking in our service provided by Mr Joyce

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin has provided me with sound financial advice with integrity over the years. He is very trustworthy and approachable and fully understands my financial planning needs.

What could they have done better?

No suggestions.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin took the time to listen and understand my financial needs and explained everything thoroughly! He is efficient in his work and I highly trust and value his financial advice.

What could they have done better?

Nothing - everything was excellent!

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Although I've only had one appointment with Mr Joyce I was impressed with the service and concise information I was given. He clarified my financial situation and made useful suggestions regarding managing my income on a monthly basis. He did not try to sell any services not relevant to me. I will be happy to use Mr Joyce in the future and would recommend his services.

What could they have done better?

N/A

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

martin explained everything so you understood every aspect of where pensions went

What could they have done better?

don't think he could have done any better for us

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin was recommended to us as the person to help with an ongoing pension problem we had. With the minimum of fuss, MartinÂ’s efficient actions quickly brought about an effective resolution with a far better outcome than we could have imagined possible. Integrity, expert and very pleasant to work with we are now recommending Martin Joyce to friends & Relatives. Ian & Eva. Renfrewshire.

What could they have done better?

We are completely satisfied with the service we have received.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

I was introduced to Martin approx. 7 years whilst he was working in the local branch of my bank as a financial Advisor and have always found him very helpful in providing financial advice and planning. He is a friendly type of person, extremely approachable and always makes time just to have a general chat before commencing with the business conversation. I lost contact with Martin for a while, however, since becoming an independent Financial Advisor, Martin made contact and at just at the right time, as both my husband and I felt in need of financial guidance and support having reached that stage in our lives. At our first meeting Martin listened to our concerns and understood our situation and gave very good recommendations to meet our needs. He explained everything in a manner that we understood and informed us he will have an annual meeting to update our portfolio, as well as him contacting us by phone or email throughout the year, however, I can contact him at any time with whatever question I may wish to ask, which is very re-assuring. We have the utmost confidence in Martin and trust him in dealing with our financial needs which he has based on our personal situation and attitude to financial risks and goals. We feel a lot happier having appointed Martin as our FA and know he will make the right decisions to ensure growth of funds on our behalf. We would recommend Martin to any of our friends who are seeking financial advice.

What could they have done better?

No comment at this time

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Ayrshire

How has Martin Joyce helped you?

Knowledgeable and confident in his approach. Explains things in detil and in a way that is easy to follow for the person who finds inances a minefield.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Norfolk

How has Martin Joyce helped you?

ensures your understanding of his financial advice.

What could they have done better?

not much as explains everything so well

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin has provided me with sound financial advice over a long period. His advice is valued and has ensured that my financial investments are tailored to meet my requirements. He regularly reviews my investment portfolio to ensure they continue to perform as required, and where circumstances have changed the appropriate action has been taken to ensure they continue to meet my long term investment plans. Martin is enthusiastic and has demonstrated his high level of understanding of the financial markets.

What could they have done better?

I am completely satisfied with the service Martin provides, and do not have any suggestions, as I believe he works hard to ensure he provides first class service based on my requirements.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin has an easy manor when explaining what we need to do to move forward with our investments. Every decision made is put in simple terms as not to confuse , which gives us confidence in what we are doing. Martin is a pleasant and knowledgeable young man who has the enthusiasm and drive to make a success of everything he does.

What could they have done better?

Keep doing what hes good at.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

On Martin,s visit we found him to be a very professional young man and taking to explain things to us in a very relaxing manner.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Martin Joyce helped you?

Martin explained everything in a clear and concise manner ensuring I understood everything about the advice he gave me. I felt completely at ease with Martin and believe he is an honest and trustworthy iFA who has my best interests at the core of his advice.

What could they have done better?

I'm very satisfied with the service I received and have no constructive suggestions.