Reviewed for

Insurance and Protection ( 4 )

Mortgages ( 14 )

Pensions ( 44 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 18 )

Auto Enrolment ( 1 )

Investments and Savings ( 13 )

Pension Transfers - Non Specialist ( 2 )

Inheritance Planning ( 1 )

Long Term Care ( 1 )

Pension Transfers - Specialist ( 3 )

Financial Planning ( 1 )

Reviewers' assets

£500k+ ( 4 )

£200k - £500k ( 6 )

£100k - £200k ( 6 )

£50k - 100k ( 10 )

Up to £50k ( 17 )

Client reviews

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Essex

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

Needed to have my pensions reviewed for a long time , met Rob and was more than happy for him to review them

How has Robert Howard helped you?

All my pensions have been consolidated in to one

Have you seen the outcome you were hoping for?

Not at this time , I think because of the current state of financial markets

What could they have done better?

Nothing

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Staffordshire

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

I originally looked for financial advice because I wanted a new mortgage.

How has Robert Howard helped you?

Robert helped me by clearly outlining my options and talking me through the process.

Have you seen the outcome you were hoping for?

Yes I achieve the outcome I wanted.

What could they have done better?

In my opinion the service I received was 100% satisfactory, I am totally happy with everything Rob did for me.

Robert's reply

Thanks Vanessa

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Norfolk

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

Pension advise required and Rob came highly recommended.

How has Robert Howard helped you?

Rob was a very knowledgeable contact that made me feel at ease from our first conversation. His al round persona and left me with no doubt that his advise would be invaluable for my requirements regarding a pension advise.

Have you seen the outcome you were hoping for?

In a nutshell yes, Rob ran through the step by step process throughly right from the beginning and was just as accommodating until completion.

What could they have done better?

From Rob’s point of view nothing, the only issues that arose where from the actual Pension Provider, Rob however kept me updated on a regular basis so that I was always in the loop.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Essex

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

I needed some help and advice with my pension, as I’d been Given bad advice form another financial advisor.

How has Robert Howard helped you?

He was easy to speak to, and was very reassuring in getting my pension back on track, i definitely recommend him to anyone with pension problems

Have you seen the outcome you were hoping for?

He is constantly updating me and making me aware of where my pension is Also advising me if he thinks we need to make little changes

What could they have done better?

I am happy with the way he’s Dealing with everything,especially after the bad advice I had before.

Robert's reply

Thanks Kevin.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Needed reliable independent financial advice on my pension.

How has Robert Howard helped you?

Robert clearly and very patiently explained the relevant options for me. He made a seemingly overwhelming array of information manageable. Nothing was too much trouble, no question too ridiculous.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. From my very first enquiry I have been reassured by his most professional approach.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Essex

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

I wanted to put some cash ISA funds into stocks and shares ISAs and put some money into a personal pension account and wanted advice.

How has Robert Howard helped you?

Robert has clearly explained the options available, helped me assess my risk level, and recommended a range of products, to enable a balanced risk/reward profile. He handled applications and dealt with the companies on my behalf. He sends regular updates and answers any questions I may have very promptly. I have full confidence in his advice.

Have you seen the outcome you were hoping for?

No, not yet! But in the current financial climate, I don't think anyone has! My plan for investment is for the longer term so I do not have major long-term worries. Robert sends updates regarding funds and changes that are recommended.

What could they have done better?

Nothing.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in London

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

Circumstances being, that I am nearing retirement in a few years and I had money frozen in a pension account doing nothing and Rob helped me every step of the way to reinvest my money for my future.

How has Robert Howard helped you?

Rob’s knowledge and expertise is second to none, and I fully trust his judgement in all that he does, he keeps me always informed every step of the way.

Have you seen the outcome you were hoping for?

I leave everything up to Rob to get results and the outcome has been and looks to be very promising, and I have full faith in his ability to navigate through these very turbulent Covid times .

What could they have done better?

I couldn’t have asked for a more knowledgeable and likeable person than Rob Howard to watch over my finances.

Robert's reply

Thanks Chris

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Kent

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

We needed a new mortgage

How has Robert Howard helped you?

Rob was able to gather all our information and give us options for mortgages.

Have you seen the outcome you were hoping for?

Yes, our mortgage was agreed very quickly

What could they have done better?

In my eyes, nothing. Rob was very thorough and often checked in with us to keep us updated. Our mortgage needed to be extended a few times due to our new house being delayed and Rob did all of this work for us and secured the extensions we needed.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Essex

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

I wanted the best advice on inheritance and investing.

How has Robert Howard helped you?

He was extremely helpful and professional. He simplified complex financial advice on how best to invest for the long term and assessing my attitude to risk, providrd my best options through an informed choice.

Have you seen the outcome you were hoping for?

Too early.

What could they have done better?

No criticism. Highly recommended.

Robert's reply

Thanks Claire.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

Divorce

How has Robert Howard helped you?

He took the mystery from Pension Investment and helped, in great detail, assess my attitude to risk. He spoke on a level I could understand and has provided so much ‘after sales’ follow up. Rob really cares about his clients and takes time to follow up with market and investment changes - and challenges ! He takes a great interest in tailoring your investment to you as a person, discussing future plans and potential life events and changes. His professionalism and attention to his clients is first class. I’m so glad I found him. I feel like I have an adviser who genuinely cares about my financial health.

Have you seen the outcome you were hoping for?

Yes. As with all investments there is no sure outcome. However, I know I have received excellent advice, receive regular reviews and I am happy that I am in safe hands.

What could they have done better?

Nothing. I am happy that there is nothing Rob could have done better.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

We wanted to invest for future and review our pensions

How has Robert Howard helped you?

We got into contact with Rob around 8 years ago and he went through every pension we had and what our options were with them. We had one that was not economic to move and he was very clear about that, so we concentrated on those that could be improved on and he gave us some options to choose from. Where we had a good deal on an investment he advised us to leave it where it was, so we never felt under pressure to make changes for the sake of it. Since then Rob has kept us regularly up to date with market events, so that we can make informed decisions moving forward.

Have you seen the outcome you were hoping for?

Yes our investments and pensions have performed well.

What could they have done better?

Have nothing to add here.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

Makes the process of applying for a mortgage more simpler

How has Robert Howard helped you?

Assisted with availability and help choose the best mortgage offer for us and our circumstances.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

None.

Robert's reply

Hello Michael, You are most welcome. Regards, Rob.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

My husband had to retire early due to ill health . He had a small private pension which we needed to use to supplement our income until state pension age. We also used Rob to purchase a care package for my elderly mother who was in care.Recently we used Rob to plan some investments.

How has Robert Howard helped you?

Rob discussed available options from the whole market to decide what type of annuity would be best for our particular situation. We also met with another financial advisor but found Rob was able to obtain the best product for us which we purchased. Rob was open in discussing the pros and cons about purchasing the care plan for my mother.He was then able to arrange this for us. Rob listened to our views on ethical investing and was able to recommend investments . Rob has sorted out all necessary documents etc and all our purchases have gone through smoothly.

Have you seen the outcome you were hoping for?

Yes. Obviously in today’s Covid situation investments remain uncertain but I am confident that Rob is constantly reviewing them and has recommended certain changes which we have done.

What could they have done better?

I don’t know. I have no complaints.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Oxfordshire

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

We were due to re-mortgage and our Help To Buy interest free period was ending.

How has Robert Howard helped you?

Rob is extremely knowledgeable and helped us by offering sound and practical advice. Then pursuing a mortgage deal to suit our current situation. Rob is very personable and explained, in plain language, anything we did not fully understand within terms etc.

Have you seen the outcome you were hoping for?

Yes we have now undertaken the new mortgage and everything was executed very efficiently.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in London

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

I had a Financial adviser previously. He died before retirement age. I needed a replacement.

How has Robert Howard helped you?

He advised me on the best investments for my savings taking account of costs, competence and performance. He carried out a risk assessment based on my attitude to risk and my goals. He advised on investments taking account of my attitude to ethical investing. When the investment platform made some glaring omissions he advised me to change and found a cheaper and more efficient one. His advice and guidance has enabled my savings to grow in these difficult times. I have had no losses. He sends me regular reviews of trends and changes that are taking place in savings and investments He has performed better than previous advisers I have used

Have you seen the outcome you were hoping for?

Yes, given the present difficult situation. I had expected losses but thanks to his skill I did not. I was pleasantly surprised, given my attitude to risk and ethics I think he did very well.

What could they have done better?

I am not very knowledgeable on financial matters, I cannot say what he could have done better. all I can say is I am quite satisfied with the way he has helped me to manage my savings and Investments

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

Heading towards retirement.

How has Robert Howard helped you?

Guiding me through it.

Have you seen the outcome you were hoping for?

Working towards it, year by year.

What could they have done better?

Nothing all good.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

I first looked to the services of a financial advisor when moving house, and sought the advices of a professional mortgage specialist. Since then, I have worked with Rob with my Pension investments, Savings, Insurances and longer term inheritance planning.

How has Robert Howard helped you?

Rob has provided impartial and unbiased advice on every financial service I've asked of him. He provides regular feedback on both the markets and how they've impacted my finances, with further advice on long term plans as a result. Rob provides advice in plain English and explains market terminology and jargon in such a way that everyone would understand - so much so that I've recommended his services to my parents who are in their 70's. I would recommend Rob's services as an Independent Financial Advisor wholeheartedly and would definitely endorse him.

Have you seen the outcome you were hoping for?

Yes, Rob has found solutions to all the financial needs we have put to him, and delivered them in a personable, polite and easy to understand format.

What could they have done better?

Given that I am completely satisfied with Rob and Ingard, I would not say that there is anything he could or should have done better.

Robert's reply

Thanks, much appreciated.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

Following a career as an Insurance Broker for 43 years I had acquired a variety of pension pots and as I was looking to take an early bath, I decided the time was right to look at possibly consolidating my pots, for which I would need some professional expert advice for my best options Also, an overhaul of my other savings and investments was long overdue.

How has Robert Howard helped you?

I had many discussions with Rob, who, having established my appetite for risk (conservatively cautious but not afraid of a slight punt) patiently explained, in plain language, the many and various options for my pensions. He produced several reports and illustrations of the options without overwhelming me with paper. The result was that Rob arranged to transfer and consolidate several of my pots but advised that two policies should remain in situ, since they contained certain guarantees which would be forfeited if moved. There was never any pressure from Rob to sign up to anything, all was done at a my own pace as he was insistent that I was entirely satisfied with, and fully understood his advice.

Have you seen the outcome you were hoping for?

My consolidated pension pot is still a work in progress and to date am happy with the how things are going, since notwithstanding the turbulent times recently for financial markets (Brexit, Trump, pandemic etc) , my pot is growing steadily , which I hope will continue, until it's time to "open the box"! Since Rob conducts regular periodic reviews of the product and funds within.

What could they have done better?

Nothing springs to mind (other than picking the winning lottery numbers for me), as he is always available to answer any queries or concerns I may have.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Essex

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

I was in need of a mortgage as part of a divorce settlement in order to keep my house and buy out my ex wife. The main high street lenders I approached including y own organisation were unable to assist me as some debts on credit cards had arisen due to divorce proceedings. Timing was difficult as I was awaiting the sale of my late fathers property of which I was to receive a share in order to settle in full so a good degree of flexibility was required from any lender.

How has Robert Howard helped you?

I contacted Rob on recommendation from a friend and he came to see my at my place of work at short notice and discussed my options. He went away with the information and a member of his team contacted me the next day with an offer from a main high street building society with a decent fixed rate and agreement to lift my personal debt to give me the affordability on my sole income to service the repayments. This was excellent but as stated timing was of the essence and he and his team had the patience and negotiation skills to keep the mortgage offer on going for a year while I waited for my father house to be sold to contemporaneously complete the divorce and remortgage of my property.

Have you seen the outcome you were hoping for?

Yes, I was delighted with the outcome. I was at a loss what to do when Rob stepped up and helped me get over a very difficult financial period. He personally oversaw the transaction from start to finish and I can`t thank him enough.

What could they have done better?

I honestly can`t see how he could have done more for me.

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Robert

At the moment i am in the first stages of my pension plan option but on our first meeting i found that Robert was the right choice for my plan and was very helpful and explained the best option for me.

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Robert

Rob gave me great free advice first class guy.

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Robert

Rob has looked at the documents I sent him - he says he is going to contact me sometime this week. Regards Mr. Baptiste

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Robert

Based on the initial free hour consultation, very enthusiastic with lots of ideas. Unlike the others I have talked to Robert is building a written initial report with suggestions and charges per option. The others would all do that as a chargeable service AFTER sigining on with them. Upside - sounds like he'll go the extra mile Downside - I have to wait to hear back before choosing an IFA.

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Robert

Very friendly and easy to talk to

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

Pension payout.

How has Robert Howard helped you?

Robert was very helpful and informative.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

Buying our first home.

How has Robert Howard helped you?

As first time buyers we knew zilch about mortgages and the process. Rob talked us through it all bit by bit and supported us throughout, finding us a great deal that suited us and sound advice for the future.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

As complete novices step by step advice is appreciated - even the basics

Robert's reply

Thank you Grace

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Essex

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

I had three old dormant pensions that I needed advice on.

How has Robert Howard helped you?

Robert investigated the pensions to see if it would be beneficial to transfer them into a single policy.

Have you seen the outcome you were hoping for?

YES! All monies were transferred into a recommended policy which has already seen positive returns after the first 6 months.

What could they have done better?

Rob was very easy to talk to, everything was clearly explained and dealt with very efficiently.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Surrey

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

to get access to the whole market.

How has Robert Howard helped you?

Understood what I wanted and found me the best deal.

Have you seen the outcome you were hoping for?

yes.

Robert's reply

Thank You

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Robert

Had an initial consultation on the phone followed by a plan produced by Robert Howard on-line. Looking at the proposed plan. .

Robert's reply

Many thanks

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Robert

Robert was extremely knowledgable and explained quite complicated products and concepts in a way we understood, we will certainly feel confident with him giving us the best advice.

Robert's reply

Thank you!

First impression from a user who is not yet a client

December, 2015

Overall

Please provide a brief comment about your experience with Robert

Robert e-mailed me the same day I e-mailed him. Prompt and polite. Very efficient. I'm rating Robert 5.

First impression from a user who is not yet a client

July, 2015

Overall

Please provide a brief comment about your experience with Robert

Listened to what my concerns were regarding my future and finances. Looked at various different investments I could make.

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Robert

Brilliant service, very helpful

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Robert

Rob came across as fair and honest without a wishy washy approach. Direct and to the point, giving us a relaxed and calm feeling that he'd do his best for us.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Robert

Robert was very informative, and gave me options to assess and decide my next financial steps regarding my pension pots etc

Review from verified client

January, 2015

Overall

Advice

Service

Value

Based in Berkshire

How has Robert Howard helped you?

Charming open response to my enquiry. Mr Howard listened to my requirements and tailored the product to my needs. He guided me so that I could increase my monthly sum, due to asthma.

What could they have done better?

Very little. I was exposed to products from other companies and there was more than an element of trust with this company. I wanted a clear guide as to the annuity payment and the commission achieved by the salesperson.

Review from verified client

January, 2015

Overall

Advice

Service

Value

Based in Outside UK

How has Robert Howard helped you?

Prior to meeting with Rob I had received some pretty poor pension advise. Rob grabbed hold of the situation and delivered on his promises within a very short period of time. I have not the slightest hesitation in recommending his services and I remain a satisfied client of his firm.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Robert

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Robert

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

Gave good advice and made all information clear and relevant

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Staffordshire

How has Robert Howard helped you?

After contact we discussed the available alternatives for investments and annuities. Any questions were answered simply in understandable terms. All charges etc were spelt out from the start. All paperwork went smoothly.

What could they have done better?

I have received review from investment provider but no communication from Robert. With the change in government pension I would have expected a call to let me know of any changes it may make to me. I will be contacting him soon

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Robert

Very informative, explanations given at a level i could understand

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

Robert dealt with my annuity enquiry from start to finnish very professionally.

Review from verified client

November, 2014

Overall

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Service

Value

Based in South Yorkshire

How has Robert Howard helped you?

Mr Howard fully discussed my needs with me when setting up my Annuity Pension two years ago. He listened very carefully and offered clear advice - especially on the matter of my health issues, and regarding my wishes to make optimal provision for my wife. He obviously has a very good knowledge of the range of products available and he guided me very well to decide upon the best one for my personal circumstances. He was readily available to answer any questions which occurred to us from initial advice to completion. He is very easy to talk to, and very efficient in his service.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Buckinghamshire

How has Robert Howard helped you?

I am so pleased to find you on your webside www.ingardifm.co.uk, I was really impredssed and pleased with the friendly advice given by Robert Howard on the phone as well as through email. I am lucky find the right product considering the amount of pension fund with your sincere and prompt financial advice. I am greatful to your customer care and service. Thank you MS Kundal Milton Keynes

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

He showed various mortgage offers that were specific to my situation advising me of the pros and cons of each one. He was very thorough with his advice and guided me through every step of the process.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Northumberland

How has Robert Howard helped you?

Rob, was very patient as i did not understand the terms and elaborate jargon. Rob was able to simplify the language to enable me to understand. Rob was interested in hearing my views. Rob gave examples of what could be achieved. Rob was able to give me time to think about the plan that was proposed Rob took on board my comments and gave me some reaqssurances. Rob did not flower reports, but gave me good information that enabled me to understand levels of risk re investments.

What could they have done better?

I wish my money could be put to better use in stead of being tied to shares etc. i would have liked to put it in a savings account. But this is not possible. Rob seemed to give me confidecne but even he does not have control over the markets

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Staffordshire

How has Robert Howard helped you?

Assisted me with advice on pensions by obtaining my preferred option on a drawdown pension, but also showed what annuities were also available. Offered advice without any pressure and was responsive to my preferences.

What could they have done better?

No suggestions in the area we worked with.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

I was very pleased with the service Robert Howard provided, I found him to be professional, friendly and informative and would not hesitate to contact him for advice if need be.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

Rob spent a considerable length of time discussing my options and explaining clearly the benefits and risks associated with each option. He listened to the fact that I wanted to invest in environmentally ethical companies and strived to ensure a good return based on these principles. As someone who does not follow money markets, Rob worked hard to ensure I understood how my investments would work for me. He is vigilant in keeping me up to date with my investments and is extremely professional, but his very personable approach makes a rather tedious activity most enjoyable! I would not hesitate in recommending him to any of my friends or associates.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Warwickshire

How has Robert Howard helped you?

I was looking for advice and help to arrange an annuity. Rob gave me good advice and arranged various options for me to choose from. Very helpful, good advice and no pressure.

What could they have done better?

Not a lot really. I found Rob very easy to deal with.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Cheshire

How has Robert Howard helped you?

Dealt with Ron, had invaluable advice with a very personal service. He has always been available to answer any questions and kept me in the loop at all times. Would highly recommend.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

His review of my pension policies was very thorough and produced an excellent result.

What could they have done better?

I am not aware of anything Rob could have done better.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

Robert is very efficient and replies very quickly to me when I contact him with any questions/queries regarding my pension schemes. Robert appears to understand my needs and is very patient in explaining all the procedures / financial etc which is obviously very important to me as I am trying to make the best provision for my retirement with my Investments. Robert appears to have been consistant with his aims/objectives when projecting my profit for the last year on my pension policies & of which I trusted him with re-investment. Robert explained what all the charges would be very clearly. Robert provides me with a very professional service.

What could they have done better?

No Comment at this time

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Staffordshire

How has Robert Howard helped you?

Rob helped find me the best available annuity for my pension pot. He was diligent in replying to my e-mails and kept me informed at all stages. Robs attitude was always professional but friendly , he was easy to work with.

What could they have done better?

Its difficult to think of anything.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in West Sussex

How has Robert Howard helped you?

Robert cashed in my existing pension plan with a company which proposed unattractively low returns and researched and found alternative pension company which gave a greatly improved return. He advised me in careful detail of the various options available and of the various risks. He was at all times professional and responded to my communications promptly and in a friendly and courteous manner. The agreed fee was invoiced as agreed and I was pleased to pay.

What could they have done better?

In my case I could not have either expected or asked for better advice.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Robert Howard helped you?

We have been dealing with Ingard for more than 10 years now. They are very good at listening to your needs and coming up with realistic solutions, based around your current and predicted situation. They have access to a wide range of products and have always found something to suit our circumstances.

What could they have done better?

Nothing. They seem to be on the ball in all areas of their business.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in West Yorkshire

How has Robert Howard helped you?

He gave honest advice. He explained all options clearly in terms which we could understand. He sent paperwork promptly and never hesitated in answering any questions or queries I had. He knew what he was talking about and gave me confidence to make the right decision about how to deal with my pension.

What could they have done better?

Nothing! He gave us full clear information efficiently and promptly.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in West Sussex

How has Robert Howard helped you?

Mr Howard was excellent at explaining my pension options, which I had found confusing. Having such personal service and advice in my home made everything much easier.

Review from verified client

October, 2014

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Based in Hertfordshire

How has Robert Howard helped you?

Knowledgeable assistance in obtaining best possible annuity advice at the time.

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October, 2014

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Based in Oxfordshire

How has Robert Howard helped you?

I found Mr Howard very helpful in dealing with my enhanced annuity resulting from health problems. I would use him again.

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October, 2014

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Based in Kent

How has Robert Howard helped you?

Rob Howard has always treated me well and advised me on things i may not have thought about on my own, I feel better knowing i have him on my side keeping my affairs in order, I have and would recommend him to family and friends.....

What could they have done better?

Nothing really, all is well......

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October, 2014

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Based in Outside UK

How has Robert Howard helped you?

Rob's work for me was brilliant. I actually found him through the internet and from the first time I spoke to him he filled me with confidence. Because I was approaching 75, I had to change my pension into an annuity. He came up with lots of good suggestions - most of which I had never heard of - and the one I chose has been very successful and I certainly would not change it. Rob was a breath of fresh air in a profession in which I have very little trust. I would strongly recommend his services to anyone seeking pension advise.

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October, 2014

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Based in Bedfordshire

How has Robert Howard helped you?

Always prompt reply.

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October, 2014

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Based in Essex

How has Robert Howard helped you?

Extremely thorough. Very much on the ball. Responds to your queries and telephone calls immediately. He keeps you in the picture with developments and goes out of his way to ensure things happen smoothly. He really does fight in your corner!

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October, 2014

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Based in London

How has Robert Howard helped you?

The most important thin! COMMUNICATION!! Keeping the customer informed at all times is crucial, I never had to 'phone Rob to find out what was going on despite extreme difficulties with Zurich who had my pension pot.

What could they have done better?

Get partners to supply the same high quality service that he does.

Review from verified client

October, 2014

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Based in Herefordshire

How has Robert Howard helped you?

all the advice was very good and would not worry about using him again

What could they have done better?

you can not improve on perfection

Review from verified client

October, 2014

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Based in Devon

How has Robert Howard helped you?

From the outset, I found Rob to be an excellent communicator who does not baffle with jargon and gimmicks. He says it as it is and there is no pressure to commit to any new financial arrangements without complete understanding of the product. I personally, bombarded this man with hundreds of questions when deciding how to make a short/medium term investment. He never made me feel a nuisance and was always happy to explain the intricacies of the plan. There was never a problem contacting Rob, and if he was unavailable....would always return my calls or emails promptly. Rob is fab...he is to finance what 'Michelangelo is to painting'. Brilliant service...delivered with a friendly, professional attitude in what can be the daunting world of finance.

What could they have done better?

I can't really think of anything else I could of asked of Rob. Completely happy with the service provided.

Review from verified client

October, 2014

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Based in Merseyside

How has Robert Howard helped you?

Hello, My name is Brian Sharman and I live in the Merseyside area. For the purpose of this review, I believe that it will be more beneficial if I set out the background leading to my contact with Rob. My entire working life was spent in the legal profession and I retired from front line legal work some years back. During my latter working years and prior to the economic recession, I was reasonably happy with the annuity projections I had received but when it came to "make your mind up time" and the recession was full on, I was very unhappy with the figures. So much so that I did not proceed to set up my private pensions. I then started to consider my options and my first step was to seek professional assistance. I contacted three independent pension advisers and one of them included Rob's firm namely Ingard. My stance at the time was to delay my annuities until the economic climate improved and they all advised against this. This is when I decided to stick with Rob. Rob was aware of my health record which was that I had never spent a day in hospital since the day I was born and I can still say the same today. Rob was very frank when advising me and said that a past health record is not a certain barometer for the future and that if I did take a turn for the worse, I would have literally thrown away cash never to be recovered. But Rob did not leave me to think about that point in isolation. He informed me that he could set things up in a way that took my concerns into consideration and with better prospects for the future. The other Pension Providers did not mention this type of provision and it goes without saying that I am glad to have appointed Rob and Ingard to look after my affairs. Regards, Brian Sharman

What could they have done better?

Given the remit I put to Rob, I would not criticise any aspect of the services he provided.

Review from verified client

October, 2014

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Based in Hertfordshire

How has Robert Howard helped you?

Explains everything clearly in a language everyone can understand, even me!

Review from verified client

October, 2014

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Based in Hertfordshire

How has Robert Howard helped you?

Listens, thinks advises in a timely manner

What could they have done better?

Nothing of which I can think

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October, 2014

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Based in Herefordshire

How has Robert Howard helped you?

Mr Howard is a very good listener and digests what you have said before he gives you a indepth evalution of your status and how to put it right and at what costs i have found him to very paient and confident in his response as he knows and keeps up with the updates in most of the market forces.

What could they have done better?

try not to look so serious

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October, 2014

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Based in Tyrone

How has Robert Howard helped you?

Rob Howard advised me on the pensions mindfield. I found him to be both professional and ethical throughout the process. He advises both myself and my husband annually and is extremely proactive with regard to fund switches and ongoing management of our pension funds.

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October, 2014

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Based in Outside UK

How has Robert Howard helped you?

Very helpful on all matters. Felt the IPA really cared

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October, 2014

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Based in London

How has Robert Howard helped you?

Robert was very informative, professional and reliable and I would fully recommend his superb service to everyone!!

What could they have done better?

I could not fault any aspect of his service