Reviewed for

Pensions ( 13 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 4 )

Investments and Savings ( 29 )

Pension Transfers - Non Specialist ( 1 )

Inheritance Planning ( 2 )

Reviewers' assets

£500k+ ( 4 )

£200k - £500k ( 7 )

£100k - £200k ( 8 )

Up to £50k ( 3 )

£50k - 100k ( 4 )

Client reviews

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Plans for investing to get ready for mortgage payoff and retirement plans

How has Christopher Rowe helped you?

Clear, constructive relevant advice, given in a well measured approach

Have you seen the outcome you were hoping for?

Impressed with last year performance on my investments

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Nottinghamshire

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

Following family bereavement

How has Christopher Rowe helped you?

Prefer not to say

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Inheritance a big surprise to me

How has Christopher Rowe helped you?

He set out my options clearly and completed the paperwork with me explaining clearly that he is available to speak to should I need further help

Have you seen the outcome you were hoping for?

Yes better than I hoped for

What could they have done better?

Can’t think of anything at the moment I was really happy with Chris Rowe and his help

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

I inherited a sum of money, most of which is financing our new home. I needed help to find a better investment than to just leave the remainder in the bank I also want to draw down some of the investment monthly to help with daily living costs

How has Christopher Rowe helped you?

He is patient, kind, honest and realistic

Have you seen the outcome you were hoping for?

The present financial position for the UK is not too vibrant bearing in mind the uncertainty and nervousness about Brexit I believe that Christopher has been honest and realistic in the way he has set up my financial wrap and I hope that my investments will improve once the country's finances (and indeed world wide finances) become more stable and healthy I cannot think of a better investment consultant to suggest the path that he has taken to set up my account

What could they have done better?

I feel that his mixture of stable and risk-taking investments honestly suits my personal position. I felt secure when I first met Christopher and was happy that he immediately understood my circumstances

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

We (my wife and I) were in receipt of a large (to me) amount of money as a result of selling an investment property that had realised a capital gain and I was looking for advice regarding mechanisms for minimising capital gains taxation as well as replacing lost income from the property with investment income.

How has Christopher Rowe helped you?

Chris helped by identifying appropriate EIS investments that enabled a tax recovery of 58% 30% income tax and 28% for capital gains deferral. Also later on I moved all of my shares, funds, investment bonds and ISA's to Worldwide Financial Planning with a mandate for them (Chris Rowe) to manage them on my behalf.

Have you seen the outcome you were hoping for?

Yes ... all outcomes successfully achieved and generating income as expected. The next stage will be to realise the EIS investments and use as much of my annual Capital Gains allowance to change the tax from deferred to avoided altogether.

What could they have done better?

Nothing really could have been done better ... the Standard Life platform allows me to monitor the investments and Chris and I will occasionally have a conversation about the strategy but in large part I now leave it to him. The massive outcome for me is that I no longer spend my valuable spare hours trying to manage my money and I have a lot of extra time to spend enjoying my retirement.

First impression from a user who is not yet a client

September, 2018

Overall

Please provide a brief comment about your experience with Christopher

He didn’t bother getting back to me

Review from verified client

May, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

I was looking for advice on how to save for retirement.

How has Christopher Rowe helped you?

He explained very clearly and patiently what my options were, showing examples of growth patterns and levels of risk, and being very transparent on fees and costs from the outset.

Have you seen the outcome you were hoping for?

It hasn't been very long but the result so far is very positive and encouraging. It should be mentioned that he tailor-made a portfolio that reflected my desire to invest ethically.

What could they have done better?

I don't think there was anything that was left out of our consultation and subsequent meetings.

First impression from a user who is not yet a client

March, 2018

Overall

Please provide a brief comment about your experience with Christopher

Very personable on the phone. Obtained a quick grasp of my needs and was reassuring that he could easily be of assistance. This was immediately followed up by a comprehensive email detailing all the charges which were relevant and where reductions might be applicable if workload were less than anticipated. I was grateful that he was not at all pushy and was understanding that I would need to consider all my options in due course.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

I needed the best way to invest some savings which I had built up over a period of time with a view to providing a reliable and acceptable return. I also needed some assistance with finances regarding a second home and its potential asset value and the options available.

How has Christopher Rowe helped you?

Having met with a number of other potential IFA's Chris's approach was by contrast proactive, dynamic and he really understood what I was trying to achieve. He made positive and thought provoking suggestions right from the first preliminary meeting and it was not a difficult decision to choose him to advise on our affairs.

Have you seen the outcome you were hoping for?

We have indeed achieved the outcome I was hoping for. I feel that my finances are now under control and Chris has made sensible and beneficial suggestions regarding investments that are on offer. Whilst occupational pensions are not his specialty, he was a good sounding board for the decisions I have been making regarding my retirement options.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

I had been left some money in two stages. The first amount was not exactly squandered but bought a number of improvements and purchases. Some of it went into a Scottish Widows OEIC. The second stage had to be used with more care and to provide a small income to top up my state pension. I went on the internet for advice and came up with Vouchedfor, who recommended WWF in Truro, and in particular a well qualified young advisor, Chris Rowe.

How has Christopher Rowe helped you?

I duly arranged to meet Chris to discuss my needs and he came up with a fairly low risk way of investing that would provide grow and a small income. I agreed to go ahead with his recommendation and so far have been pleased with progress.

Have you seen the outcome you were hoping for?

I know that share value can go down as well as up, in fact in the beginning they did go down. However since then the shares have steadily increased in value by a very acceptable amount so far. Also they have provided a small income as suggested by Chris.

What could they have done better?

Not being a financial whizzkid myself, I can only say that Chris has provided exactly what he said he could do and I am more than satisfied.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Warwickshire

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

We needed good, sensible financial advice for investments and pension.

How has Christopher Rowe helped you?

Chris reviewed our current investments and made recommendations for how we should rebalance our existing portfolio, and where to invest in the future.

Have you seen the outcome you were hoping for?

Yes. Our money is now being invested in what seem to be good places.

What could they have done better?

Because we're not financial experts, and are very busy, we didn't respond to Chris as quickly as probably we should. Our fault entirely, but it wouldn't have been a bad thing if Chris had nagged us a bit to get the information he needed from us more quickly. But, as I say, in essence this is our 'fault' and not Chris'.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

A DIVORCE.

How has Christopher Rowe helped you?

Chris helped plan my future stratigy to get my finances back on track after an expensive marital breakdown.

Have you seen the outcome you were hoping for?

Better than expected.

What could they have done better?

I think Chris was spot on in every aspect and discussed and explained things so that l understood what l was doing.

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in Surrey

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

The aim is to reduce my families IHT bill.

How has Christopher Rowe helped you?

Sound advice in the past, so confident in continuing to invest and take advice.

Have you seen the outcome you were hoping for?

Yes thank you.

What could they have done better?

Proper coffee!

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

Consolidating pensions. Capital planning on the sale of a business.

How has Christopher Rowe helped you?

He has arranged income and pensions for us.

Have you seen the outcome you were hoping for?

Yes, and more!.

What could they have done better?

I am not in a position to give someone as highly qualified as Chris advice.

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Christopher

Very helpful

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

I first met Chris age 59¾ when apprehensive about making the right decision for my pension funds at 60. He was very approachable, friendly and attentive and within days of our preliminary discussion I received a well laid out and informative written summary which was easy to refer to and enabled me to consider all the options available to me and the potential outcomes. A couple of conversations later which helped to clarify my understanding of his advice and the plan was put into action. Now aged 60¼, I am very comfortable and confident with the outcome and that my pension funds and other investments are working well with my needs in mind.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Christopher

very straight talking and no waffle. Got into detail straight away. Came away from initial meeting with a lot to think about and the impression he would be very helpful in the future.

First impression from a user who is not yet a client

June, 2014

Overall

Please provide a brief comment about your experience with Christopher

We had a very helpful discussion with Christopher and he followed-up quickly with further information relevant to our particular situation.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Nine years ago he helped us invest some lump sums and the portfolios have grown very successfully. He has taken time and care to make sure that our financial situation stays in line with changing requirements. Chris also advises us on long-term management of funds in relation to managing other areas, including planning for the future of our family, and planning for our retirement. He has a very approachable manner, and a very clear and concise way of communicating.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Christopher has an excellent knowledge of his subject, and explains things clearly. He assesses his clients' requirements well, and makes recommendations based on their particular circumstances.

What could they have done better?

We find some aspects of the Wrap difficult to understand and would appreciate some sort of guide to help us, but this is not a criticism of Christopher's work, more a suggestion for Standard Life.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Chris takes time to understand my family needs and provides expert advice on what we need to do. My wife is slightly less risk adverse than me, which Chris takes into consideration when planning our investments.

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Christopher really explains all options suitable for our needs and treats us with great respect and covered everything we needed to know.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Christopher is approachable and will take the time to listen, understand and explain in non jargon language, He will respond often to queries over the w/e to avoid a long wait for an answer. Good at keeping us in touch with up to date products with proven track records.

What could they have done better?

precis in formation into more manageable chunks for inexpert digestion on initial discussions. Although we do understand that he has to protect both us and the company with legally required riders.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Chris is through with every decision that is made and is able to keep in mind my needs/requirements for investments. He had provided updates when requested and I have 100% faith in his ability in making investments.

What could they have done better?

For me, Chris offers a complete package and I don't feel there is anything he can improve on.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Hampshire

How has Christopher Rowe helped you?

Christopher manages my affairs in a way which gives me confidence , not only in him but also in myself. He is always tactful and sensitive bearing in mind that I really don't understand the basics of financial planning!

What could they have done better?

I am sorry, I can't think of any way that Chris manage my affairs any better.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

He can explain his forward planning with clarity & on my wavelength. He fully understands my situation & how best to tailor my investments to suit. He has made clear any risks that may be associated with a particular stratergy suggested by him or myself.

What could they have done better?

Nothing

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Hampshire

How has Christopher Rowe helped you?

Christopher Rowe is very approachable, intelligent and explains my portfolio. Also, he makes very good suggestions for my future, ie although I have very low rent at present from my employer, that situation might change suddenly and Christopher has given advice on suitable properties that I could afford to buy. He has insisted that I keep money available for sudden necessities, for instance purchase of another car, funds to visit family in the Far east etc instead of advising that all my funds are invested with Worldwide.

What could they have done better?

I would like a monthly update or instructions how to access my balances.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Keeps me up to date with regular reviews. Monitors the funds and informs me of any changes that needs to be made.Arranges for a six mounth general review of all funds and offers advice as to the correct course of action to mentain a sensible return, bearing in mind our attitude to risk

What could they have done better?

We are quite happy with the service we receive

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Under 'Christopher's best quality' in the section below I would honestly include ALL of the qualities in the list!

What could they have done better?

It's difficult to think of anything that Christopher could do better!

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

When my husband died quite suddenly the advice and support I received from Chris Rowe was absolutely invaluable and took a great deal of stress from my shoulders. Since then we have been in regular contact. Chris manages my resources and I am more than happy with the results he achieves. I trust him absolutely, can consult him whenever I wish and regard him as a friend. His unconditional advice has assisted people that I have put in touch with him and his courteous and approachable manner is impeccable.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Personal and friendly service. Honest and well considered advice. Listens to my personal requirements/needs and adapts to changing circumstances.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in London

How has Christopher Rowe helped you?

Always helpful, and he always explains things clearly. He seems to have a very in-depth knowledge of his subject, which is extremely reassuring.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

Christopher always gives advice clearly, he does not use 'jargon' and makes sure we fully understand what he intends to do. His manner is very friendly and confident, always easy to get hold of, returns calls promptly.

What could they have done better?

At this point in time we cannot think of anything he could do better. We are fully satisfied with his advice.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Cornwall

How has Christopher Rowe helped you?

He is an excellent communicator, he listens to what you have to say, both personal and financial matters, he carefully considers your needs and then makes suggestions. I find him very easy to talk to and his understanding of my financial requirements proves he listens to what I have to say. He explains in detail what is possible and what is not possible with whatever funds are available. Not once in all the time have I been talking to him have I ever felt obliged to do what he suggests or felt pressurised into curtailing the meeting. His guiding hand and listening ear have been invaluable over what has been a very difficult time. The last 2 questions below are not easy to answer. Chris is prepared to see me whenever I need to see him or will talk things through over the phone. 2 days to get back to me is a simple average, I have no complaints as to his return of calls.

What could they have done better?

In a way, this is more to do with the company and has or is in the process of being sorted. Neither the Wadebridge nor the Truro offices are really fit for purpose. Both have stairs and have no parking. It is my understanding these issues are being resolved which is excellent news. Unfortunately or fortunately depending on how you look at I can find nothing lmy advisor could improve on.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in London

How has Christopher Rowe helped you?

Chris is great communicator and is genuinely interested in shaping your portfolio to maximise returns based on current market forces. Chris takes the time to explain investment advice from the hard work he has gatgered researching opportunities tailored to my individual needs.

What could they have done better?

I think the only minor issue I have had is that more time could be taken to explain the web platform used to managed my portfolio. I work in IT and find the user interface unnecessarily confusing.