Harry Morgan

Wellesley Investment Management Ltd

Reviewed for

Insurance and Protection ( 4 )

Mortgages ( 5 )

Pensions ( 59 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 32 )

Investments and Savings ( 66 )

Pension Transfers - Non Specialist ( 12 )

Inheritance Planning ( 44 )

Long Term Care ( 6 )

Pension Transfers - Specialist ( 2 )

Financial Planning ( 15 )

Financial Mentoring ( 2 )

Financial Coaching ( 4 )

Reviewers' assets

£500k+ ( 9 )

£200k - £500k ( 9 )

£100k - £200k ( 9 )

Up to £50k ( 2 )

£50k - 100k ( 3 )

Client reviews

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Harry

Harry was very helpful and the advice he gave us means we now have clarity on our future retirement prospects.

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Harry

Harry is a good listener, with a sound depth of knowledge around financial planning at multiple life stages. He is up to date with current issues which will affect sound decision making in the short term, and I imagine that this translates well to extrapolation to the long term accordingly, in the best interests of his clients. He is helpful and clear in explaining his recommendations.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

We initially contacted Harry when, after a change in circumstances, we felt it sensible to enlist professional help to help us sort out our finances. We wanted advice to ensure we were making the most of our savings at the same time as reducing our Inheritance Tax liability.

How has Harry Morgan helped you?

Due to Harry's ongoing support and clear understanding of our circumstances and life style choices, his advice has given us the confidence to take out a combination of trusts and investments that will reduce the tax on our estate whilst also making sure we have flexibility and financial security. We have annual face to face meetings with Harry to discuss progress of our investments which we find extremely reassuring.

Have you seen the outcome you were hoping for?

We are certainly on track to save a substantial on Inheritance Tax and are happy that the investments chosen have spread the risk so that we are not unduly concerned with the recent downturn in the markets.

What could they have done better?

There isn't one thing we can think of that Harry could have done better. We continue to be very satisfied with our initial decision to trust in Harry's advice. He's certainly living up to his promise of being there to offer ongoing financial advice throughout the years and changes in circumstances.

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Harry

Harry was very helpful. He was able to help and explain in great detail but in a way that was easy to understand. We would definitely recommend Harry and his services.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

Future tax planning

How has Harry Morgan helped you?

Extremely helpful and knowledgeable enabling us to make decisions regarding way forward

Have you seen the outcome you were hoping for?

In progress, pleased todate

What could they have done better?

Completely satisfied with advice and service provided

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

Need to mitigate IHT burden

How has Harry Morgan helped you?

With helpful advice

Have you seen the outcome you were hoping for?

Not yet relevant

What could they have done better?

I think we are happy at the moment with the advice

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Harry

Our meeting with Harry was extremely informative. We had come prepared with our key financial issues and a number of questions especially related to mortgage repayment and pension provision. Harry was able to answer all of our questions in a straight forward and professional manner. He was also able to direct us in a number of issues that we had not considered. In summary, I would have no hesitation in recommending Harry when in comes to providing sound, informative and valuable financial advice.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Surrey

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

Can't remember, sorry

How has Harry Morgan helped you?

He has been most helpful in his availability and the advice, and the discussions we have had have been both informative and enjoyable.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Perhaps more growth in recent years.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

Pension and IHT considerations

How has Harry Morgan helped you?

He is experienced, patient and open

Have you seen the outcome you were hoping for?

We have started…

What could they have done better?

Nothing

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

My late husband and I needed advice on investments some while ago

How has Harry Morgan helped you?

With advice on the above and also with long term care needs for my husband when this became necessary. Was always ready to answer any questions I had.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Sussex

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

I was disappointed with the service provided by the company providing my financial wellbeing

How has Harry Morgan helped you?

Installing confidence in the current financial climate

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

???

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Isle of Wight

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

Pension Planning.

How has Harry Morgan helped you?

Harry has a very pragmatic approach to advisory. He has deep expertise and is a good listener and provides advice in simple to understand language.

Have you seen the outcome you were hoping for?

So far yes.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

We were both seeking retirement and financial planning advice.

How has Harry Morgan helped you?

Harry has provided clear financial advice to us both these last two retirement years. He meets with us at regular intervals to ensure we are up to date and happy with our retirement and financial position.

Have you seen the outcome you were hoping for?

Satisfactory considering the influences of the world events in recent years.

What could they have done better?

The service has been excellent at all times.

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Harry

Harry has provided clear, straightforward information, has answered questions that I had and provided a really useful report for me to read and digest, outlining the different options available. Would recommend.

Harry's reply

Hi Michele Thanks for the great review, I’m glad I could help you sort through the various options. Regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

Retirement. Attended a seminar run by Wellesley at which Harry spoke, and was most impressed.

How has Harry Morgan helped you?

He organised the transfer of my various pensions to St James' Place, and advised me on tax efficient drawdown plus inheritance tax.

Have you seen the outcome you were hoping for?

Yes the return has been good. The six monthly meetings with Harry are most useful to ensure that my plans remain on track, and I suspect I may be needing some mortgage advice quite soon too!

Harry's reply

Hi Peter, Thanks for the great review, it's a pleasure working with you and helping you with your retirement strategy. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Surrey

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

To have an income when I retired

How has Harry Morgan helped you?

Excellent service

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

Harry's reply

Hi Rob, Thanks for the great review, it's great working with you. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

To manage an o going portfolio

How has Harry Morgan helped you?

Managing my portfolio. Been understand and support of my current circumstances and proactive

Have you seen the outcome you were hoping for?

Due to current volatility have not but this is not a reflection. On the team

What could they have done better?

Maybe a clearer understanding of costs

Harry's reply

Hi Bernadette, Thanks for the great review, it's great working with you and I am glad to be able to support you with the financial aspect of your planning. We'll go back over the costs when we next meet to help you have a clearer understanding. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Oxfordshire

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

I have known Harry for some time, he is a professional who is extremely knowledgeable. I was looking for advice regarding retirement.

How has Harry Morgan helped you?

Harry arranged for all my pension to be consolidated and reinvested after taking tax free cash.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Did everything I needed.

Harry's reply

Hi Mark, Thanks for the great review, I was delighted to be asked to help you manage your pensions and help with your retirement planning. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

Previously my parents used the same company for their savings and investments

How has Harry Morgan helped you?

Advise most tax efficient way to utilise my pension pot.

Have you seen the outcome you were hoping for?

Predominantly yes

What could they have done better?

Nothing that I aware of.

Harry's reply

Hi Brian, Thanks for the review, it's great working with you and I'm looking forward to continuing to help guide you through your early retirement. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Sussex

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

Needed advice on my pension

How has Harry Morgan helped you?

Totally helped and has given me a lot of confidence in what I should be doing with my pension

Have you seen the outcome you were hoping for?

Yes, I’ve seen a good outcome for using my pension fund

Harry's reply

Hi Graham Thanks for the great review, it's a pleasure working with you regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

I was nearing retirement and needed to know how I could make best use of my pensions and savings

How has Harry Morgan helped you?

Harry has been an excellent adviser, providing my wife and I with clear explanations of the routes he considered best for us to take with our pensions and savings and our overall financial planning. We have enjoyed meeting with him regularly and being able to discuss our financial situation in person.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am not aware of any shortcomings in the advice we have received from Harry.

Harry's reply

Hi Jonathan, Thanks for the great review, I also enjoy our meetings and it's great to see how much you enjoy your (partial) retirement. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

My husband was looking for advice about what to do with a pension lump sum.

How has Harry Morgan helped you?

Always clear and concise advice. He explains everything in terms that I can understand.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He couldn’t have done anything better, I trust his judgement implicitly.

Harry's reply

Hi Tarah, It's an privilege to be working with you, thank you for the great review. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Surrey

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

Looking for general financial advice

How has Harry Morgan helped you?

Harry provided on going advice on a number of issues with considerable success

Have you seen the outcome you were hoping for?

Results well in excess of our expectations

What could they have done better?

Nothing

Harry's reply

Hi Ian, Thanks for the great review, it's been a pleasure developing your strategy for you and your family over they years. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Surrey

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

There was an investment that was transferred to me and I need to engage with an adviser.

How has Harry Morgan helped you?

Harry has dealt with and managed my investment and also a subsequently transferred pension scheme to ensure that the correct level of payments are made to ensure a long term financial plan is met.

Have you seen the outcome you were hoping for?

Yes, my pension plan is doing well despite the ongoing world events over the last 3-4 years that have impacted the financial markets.

What could they have done better?

Nothing to report.

Harry's reply

Hi Ari, Thanks for the great review, looking forward to catching up with you soon. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Kent

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

We went through a stage where we lost all we had earnt and worried about what we would leave for the family. This time we wanted to make sure something was there for the kids and grandkids after we were gone and enough to look after us in the meantime.

How has Harry Morgan helped you?

He asked about what we wanted rather than tell us what we needed. Everyone is individual and we all want different things from life so the advice should be tailored to that.... that's what we got from Harry.

Have you seen the outcome you were hoping for?

Yes so far we have :-)

What could they have done better?

Nothing really we got what we wanted and asked for.

Harry's reply

Hi Jeannett, Thanks for the great review, it's a pleasure working with you. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Devon

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

I needed long-term planning to ensure a decent standard of living in retirement.

How has Harry Morgan helped you?

Harry offered good advice that is now allowing us to enjoy our retirement and a number of long-haul holidays and experiences.

Have you seen the outcome you were hoping for?

Yes absolutely. Our portfolio has been very well managed by SJP and Harry is always available if we need to discuss any changes or issues.

What could they have done better?

Not much

Harry's reply

Hi Mark, Thanks for the review, It's been a pleasure helping you make the transition into retirement and helping identify that you can afford to have more holidays and enjoying yourselves. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Surrey

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

Diversification and SIPP queries

How has Harry Morgan helped you?

Reviews my whole portfolio Takes an interest in me and my family to help guide decisions Provides advice beyond the normal financial advice Harry’s wise words said to enjoy my money. That’s a new idea for me!

Have you seen the outcome you were hoping for?

Work in progress. The investment is doing as well as can be expected

What could they have done better?

The company has had quite a bit of staff turnover. I’ve had a few FAs but Harry has been a constant throughout

Harry's reply

Hi Jeff, Thanks for the review, I enjoy helping you with your retirement planning and using the cash flow forecasting to let you know that you have are on track to have 'enough'. I appreciate that the staff turnover can be a bit disruptive but we do try to keep the planning consistent throughout. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Sussex

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

As a business owner, I needed guidance on managing my company's finances efficiently while also planning for my personal financial future. The need for expert advice became apparent as I wanted to optimise tax strategies, plan for my retirement, and make informed investment decisions.

How has Harry Morgan helped you?

Harry has been invaluable in providing ongoing guidance and expertise. He has helped me implement tax-efficient strategies to draw income from my business. Harry also worked with me to develop a disciplined investment plan focused on long-term growth for retirement.

Have you seen the outcome you were hoping for?

Overall, I'm very pleased with the outcome so far. Harry's advice has helped me make steady progress towards my retirement goals. My assets and investments have grown consistently under his guidance.

Harry's reply

Hi Alex, Thanks for the great review, its a pleasure working with you and great to see your forward planning go from strength to strength. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in London

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

To secure my future and retirement

How has Harry Morgan helped you?

Harry has helped me immensely and talked me through every step of the process in simple terms and never complicated anything. I find him very pleasant and yet very informative and professional.

Have you seen the outcome you were hoping for?

It is getting better and shall becoming fruitful over time

What could they have done better?

I cant see anything that could have been done better

Harry's reply

Hi John, Thanks for the great review, I really enjoy our meetings and I look forward to helping you continue to build your retirement pot. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

Retirement

How has Harry Morgan helped you?

Investment

Have you seen the outcome you were hoping for?

Yes

Harry's reply

Hi Paul, Thanks for taking the time to complete the review, it's great to be working with you. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Nearing retirement age and wanted some assistance in planning.

How has Harry Morgan helped you?

Makes the whole process very understandable and feel confident in the advice he is giving.

Have you seen the outcome you were hoping for?

Yes, I have a long term plan and we are regularly updated on progress.

What could they have done better?

Nothing

Harry's reply

Hi Paul, Thanks for the great review, it's a pleasure to be working with you and helping you work through your options on how to plan your retirement. kind regards Harry

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Harry

My consultation with Harry was fantastic. We ran through my entire financial situation over the course of one and a half hours. The guidance he gave in this time was top class, he was honest & detailed throughout. To conclude our session, he recommended I do not require the services that him & Wellesley provide at this time. He reassured me that what I was doing was good & that I may need to seek financial advice later in life. This is a true reflection of his transparency, he could have easily steered me down the avenue of using their services, which I'm sure are fantastic. I think this says a lot about how Harry & Wellesley go about their business, highly recommend.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Somerset

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

Death of my husband - who had been advised by Harry Morgan..

How has Harry Morgan helped you?

Financial planning

Have you seen the outcome you were hoping for?

Not yet concluded

What could they have done better?

How would I know

Harry's reply

Hi Pauline, Thanks for the review, brevity is the soul of wit. It's a pleasure seeing you each year. regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

Harry was recommended to me

How has Harry Morgan helped you?

I have known Harry for several years and his advice he has given me in a fairly complicated ever changing market has been very good. Harry always takes the time to visit twice a year to go through everything and looks after the ongoing investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Harry's reply

Hi Gary, Thanks for the great review, its a pleasure working with you. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

Inheritance money to invest

How has Harry Morgan helped you?

He has faked to me in plain English and explained everything to a level I could understand and is responsive when I have needed to draw down income

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NA

Harry's reply

Hi Julie, Thanks for taking the time to write the review. I assume you meant to say that I 'talked' to you in plain English. kind regards Harry

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

After my husband died I had a substantial amount of money that he previously managed by playing the stock market. I have a busy lifestyle and no time or inclination to continue investing that way so I attended a seminar and decided to get advice from Harry

How has Harry Morgan helped you?

Harry initially assessed my circumstances and future plans and gave advice accordingly. He then managed all the appropriate transfers of previous investments to investments to suit my needs. Since them we have met annually where Harry has advised appropriate changes to nmy invstments

Have you seen the outcome you were hoping for?

Yes I think so although the Covid outbreak and subsequent years investments and profits have reduced significantly but that's the risk you take and I am satisfied my investments are safe and improving slowly as markets allow

What could they have done better?

Maybe if I had agreed a higher risk pattern but I am not willing to take that route

Harry's reply

Hi Hazel, Thank you for taking the time to leave a review, it's much appreciated. kind regards Harry

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Harry

Harry is friendly and knowledgeable. He gave me clear information and was paitence and understanding as we worked though my finances. Will be using again.

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Harry

Harry was very pleasant to deal with and was open, honest, knowledgeable, clear and (most important to us) non-pressurised. Although ultimately we decided not to proceed with Harry managing our estate inheritance or pensions (it was a difficult decision), we are very clear that this was not through any failings with Harry.

First impression from a user who is not yet a client

May, 2023

Overall

Please provide a brief comment about your experience with Harry

Very easy to understand and seemed to pick up on my future Finacial plans for the future.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Harry

We met at one of the seminars, we then followed up with a one to one meeting at our home. Harry was very knowledgeable about all financial subjects, and in our opinion gave a very honest unbiased, advice from which he was unlikely to gain financially in any way. Would highly recommend him to anyone unsure about financial matters or looking for some genuine advice.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Harry

Very knowledgeable and engaging.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Harry

Harry provided me really useful financial advice that has helped me plan for my retirement. There was no hard sell just friendly advice that provided the clarity that I needed to move forward.

First impression from a user who is not yet a client

April, 2022

Overall

Please provide a brief comment about your experience with Harry

My mother and I had the pleasure of attending one of Harry’s seminars recently, which we chose to follow up with a private consultation a week or so later. During this meeting we discussed our requirements, posing many questions to Harry, to which he provided solid answers that enabled clarification on certain points of interest: inheritance, wills and power of attorney. Our particular circumstances needed further investigation and Harry was rapid in sourcing these answers, delivering them via email the following day. Harry has a professional and friendly demeanour and I would recommend him, based on our experience, with unwavering confidence. Thank you Harry. You are my go to man should we have further need for advice.

First impression from a user who is not yet a client

March, 2022

Overall

Please provide a brief comment about your experience with Harry

Harry’s was on time,he was throughly professional throughout and provided excellent advice.

First impression from a user who is not yet a client

March, 2022

Overall

Please provide a brief comment about your experience with Harry

I went to one of Harry’s seminars and found him to be a very well informed and engaging presenter. I had a follow up meeting with him, he helped me to understand how some of the ideas from the seminar related to me specifically. He made a real effort to understand my current position and asked insightful questions about future plans. He was definitely not pushy at all, just very professional. If you are going to speak to a stranger about your financial situation, I thoroughly recommend Harry.

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Harry

Harry helped with my retirement planning today. He looked through my existing pensions and gave advise on how to check my state pension and explained what they all meant for me. Harry is very knowledgeable and showed me some excellent options for me for my retirement and I now feel a lot more in control and relaxed about how to plan the next 2 years. Thank you so much for spending the time to help me.

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Harry

Harry met us today to discuss my Dad’s retirement plans. Dad is coming up for retirement age and didn’t understand what pensions he had in place and what his options were. Harry spent time with us to work through all of Dad’s options and give some extremely valuable help and advice on next steps. Harry is professional, friendly and understanding, with a wealth of financial knowledge to help us make the best decisions on Dad’s future plans. We couldn’t be happier with the help and support we’ve received from Harry. We will definitely use him again in the future and would absolutely recommend him. Thank you Harry

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Harry

My son recommended Harry and said he was "a good guy". Harry was very kind and friendly and put me at ease in what I had expected to be a daunting experience, but definitely wasn't. He patiently explained the context of my pensions and talked through some of the options for them and my savings in the future. He made some really helpful points and answered my questions so that I now feel confident about making some decisions myself. I know I'll be in good hands and look forward to working with him in the future.

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Harry

We found Harry's advice invaluable to us on our journey into retirement. At all times through the process he was diligent in explaining to us both the various options. Any questions and queries were quickly responded to and fully explained. We look forward to working with Harry and the team going forward as we embark on our retirement.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in West Sussex

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

Retirement Tax planning

How has Harry Morgan helped you?

Tax saving investment and pension

Have you seen the outcome you were hoping for?

Ongoing

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Harry

Harry gave my partner and I very useful, individualised advice. He has a very gentle, patient and had professional manner at every interaction. Harry is very knowledgeable, especially when it came to investing in pensions.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Harry

I was very anxious about investing because I didn't fully understand how or if it would benefit me. On recommendation, I arranged a meeting with Harry and I can say without hesitation that he is a very kind, patient and experienced Financial Advisor that has planned my investment that will give me the best possible outcome to suit my needs. I would not hesitate to recommend him.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Harry

Harry visited me yesterday following a public presentation. I was immediately impressed by his professional approach and deep subject knowledge. He took plenty of time to get to know me and understand my aspirations at a time of great change in my life. He is here to help and support us, not for the hard sell. I have no hesitation in recommending Harry as I look forward to our ongoing professional relationship.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry takes time to explain financial matters at a level you can understand, we really trust him & he is very easy to connect with

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

Was very good at addressing my concerns in a clear and controlled manner. No hard selling and was very easy to talk to.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

It was delightful to have Harry in our house and get started with some early discussions following the webinar. Harry was easy to talk to and helped us understand some basics. Hoping that Harry will help us sort out some issues and we will have a longstanding frienship.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

Great guy, answered all of my questions, good advice.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

Meet Harry, following an invite to a free meeting. I have felt completely at ease (not something I am known for) he has been patient explaining and guiding me, and hopefully I finally have the tax planning and wealth management I have been striving for. I have no hesitation in recommending Harry

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry brought a wealth of experience and foresight to review of our financial planning. He was sensitive, informative and very professional.

Harry's reply

Hi John. Thanks for the great review, I really enjoyed our meeting and I felt like we made a lot of progress, I'm looking forward to seeing you again soon. kind regards Harry

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry met with myself and my husband. We found him very personable and knowledgeable and we both felt at ease. Everything was explained thoroughly and in a way which we understood. Our first appointment we explained what our needs were and the 2nd appointment Harry came back with his proposals and advise.

Harry's reply

Hi Melissa, Thanks for the great review, it's been really nice spending some time with you and helping you get your planning in better shape for the future. I'm looking forward to working with you on an ongoing basis. kind regards Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry is very knowledgeable and approachable, and explains things clearly. He made us feel comfortable, talking about some very difficult subjects.

Harry's reply

Hi Sharlene, Thanks for the great review, it was good to see you again and I really pleased that you found the meeting useful. kind regards Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

I found Harry friendly, knowledgeable and easy to talk to. I'm looking forward to seeing the plan he comes up with for me and hopefully working with him in the future.

Harry's reply

Hi Paul, Thanks for the great review, it was good to meet you and I'm looking forward to seeing you again soon to help you plan for the future. kind regards Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry took time to explain everything very clearly, and there was no pressure selling at all. He made me feel comfortable talking about some difficult subjects.

Harry's reply

Hi Andrew, Thanks for the great review. It was great to meet you and I am glad that you found out time together useful. kind regards Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry has a helpful knack of bringing financial planning to life, with plenty of cautionary tales to illustrate the pitfalls of doing nothing or making the wrong decisions. His manner is assured: If he needs to take further advice to clarify a complex or difficult issue (in my case one related to LTA management), he responds quickly with an incisive recommendation on how best to progress the matter. This instils confidence that his is a very safe pair of hands whose focus is entirely on the client.

Harry's reply

Hi Mike, Thank you for the great review, I'm glad that I was able to help clarify your Lifetime Allowance issues and I hope that they get resolved soon. Many thanks Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry is a very good listener and communicator, he is able to put across this financial knowledge in a manner that we all can understand. He provides information to you but does not push anything too hard.

Harry's reply

Hi Derek, Thanks for the great review, it was a really interesting meeting and you will have some follow up information shortly to give you some ideas for the future. kind regards Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry’s visit was very reassuring and helpful. He was very professional and pleasant and gave me an excellent idea on investment, which he is looking into and about which he will give me further details in a couple of weeks. I am very happy that I asked for a follow up visit after the seminar and would recommend him to anyone needing advice.

Harry's reply

Hi Jan, Thanks for the great review, it was lovely to meet you and I’m looking forward to seeing you soon. Best wishes Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry is very knowledgable and gives clear advice which can be easily understood by a layman.

Harry's reply

Hi Ken, Thanks for the review, it was great to meet you and I hope that the advice helps you get some of your planning in a bit better order. many thanks Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

An excellent introductory discussion in which Harry quickly grasped our financial situation and made a number of relevant observations and suggestions.

Harry's reply

Hi Mike, Thanks for the great review, it was lovely to meet you and Jen and I am glad you found the meeting so useful. I look forward to seeing you again soon. kind regards Harry

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Kent

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

Looking long term to secure our future and our children inheritance

How has Harry Morgan helped you?

Harry took the time to understand our circumstances and what we wanted for our future plans and worked out how to maximize our income in the future.

Have you seen the outcome you were hoping for?

Yes, we are seeing profits now even though our primary objective is for the future.

What could they have done better?

I dont think there was anything they could do better.

Harry's reply

Hi Jeannett, Thanks for the great review, it's a pleasure to have you as a client and I'm looking forward to building on the work that we have started. kind regards Harry

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in East Sussex

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

I was lucky enough to have a significant sum to invest in my pension.

How has Harry Morgan helped you?

Harry as part of the Wellesley Wealth Management Group gave a seminar to a number of recent retirees. We decided to work with him to achieve a balanced return and consistent on our pension investment, which would give us the chance to both have fun and secure some long term benefit for our families.

Have you seen the outcome you were hoping for?

There has been strong growth in our investments despite the pandemic and Harry has been a steady and reassuring voice in difficult times. He has also been able to help adjust our investments as the financial climate evolves. I am confident that, as we move forward, harry will work with us intelligently and sensitively to meet our changing needs

What could they have done better?

Not much - Wellesley use the St James Place portfolio and I sometimes find St James Place financial paperwork etc a bit difficult to fathom. However Harry and his assistant have been very good at taking that load off us and making sure that the necessary administration is handled with the minimum fuss.

Harry's reply

Hi Bruce, Thank you for the review, it's a pleasure working with you and I look forward to continuing to help you plan your retirement. I appreciate the paperwork is not always straightforward and we are always happy to take that on for you. kind regards Harry

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Kent

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

Reviewing our pension and investment strategy with a view to planning for retirement and financial planning for our estates and family.

How has Harry Morgan helped you?

Clearly explained all our options, benefits of different strategies and helped us review our current and potential future positions. Helped us set up a trust for our grand children, combine our current pensions and review our investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Harry's reply

Hi Andy, Thanks for the great review. It’s a pleasure working with you and making sure you’re taking advantage of your pension allowances. Regards Harry

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Harry

Excellent analysis of our financial situation and insightful recommendations

Harry's reply

Hi Chris, Thank you for the great review. It was good to meet you and I look forward to speaking to you again next year. Thanks Harry

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry spent time with us to talk about our pensions and retirement. He is very knowledgeable and gave us some really helpful advice. Harry is very easy to talk to and he really “hears” what you’re saying. He has a really positive approach to your needs and he has given us the confidence and knowledge to embark on the next phase.

Harry's reply

Hi Cindy, Thanks for the review, I'm really glad you found the meeting useful and I hope that you now have a better understanding of the Lifetime Allowance and what you need to do about it. many thanks Harry

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

My sister and I were at a cross-roads facing a decision about funding our Mother's long term nursing home fees. The advice we had been getting was simply pressure from the local authority to move our Mother to a home with rock bottoms fees (and likely rock bottom level of care), and from the estate agent handling the sale of her property to move quickly with a cash buyer.

How has Harry Morgan helped you?

Harry helped us to understand what the local authority will/will not fund, the likelihood, given our Mother's condition of how long she is likely to need nursing home funding, and what is likely to happen when those funds run out. As a result, we held out for a better sale price for Mum's property and feel much more at ease with ourselves about the funding decision.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Harry spent an hour on zoom with us, gave us impartial, practical, down to earth and pragmatic advice, for no charge. As a result, Harry gained our trust, and my husband and I plan to seek his help with our own retirement planning.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Harry

I contacted Harry to ask advice re my Mother’s later life planning. Harry was as professional as he was empathetic to what is a hugely emotive and difficult financial and personal matter. I would not hesitate to recommend him.

Harry's reply

Hi Rebecca, Thank you for the great review, I'm glad that I was able to provide the help and guidance you needed while you were dealing with such challenging circumstances. Many thanks Harry

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Harry

Articulate, friendly and professional - my initial meeting with Harry left me feeling that he would genuinely be focused on delivering financial support that prioritised my later life objectives above all else.

Harry's reply

Hi Paul, Thank you for the great review, I enjoyed speaking to you and I hope that we have the opportunity to work together in the future. regards Harry

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

1. Dissatisfaction with previous financial advisor, who didn't seem able to explain to me or my wife how pensions worked to a depth that we felt that we needed. Nor did I feel confidence in our previous financial advisor's suggestions. 2. A need and desire to organize three private defined contribution accounts in to a single "pot" from which an income could be drawn when required, and that would ideally grow to replace income drawn. 3. Like many folk, I don't understand investments and pension/retirement income choices as well as I should. So a financial advisor who would take time to help myself and my wife understand these increasingly important subjects was required. 4. A desire for a pension/retirement funding scheme that I could understand, but not actively research and choose the funds to make it work for us.

How has Harry Morgan helped you?

1. Harry took time and trouble to achieve a better understanding for my wife and I as to how investments and pension/retirement income choices would work for us. This made us much happier. 2. Harry organized my three private defined contribution accounts in to a single pension account. 3. Given our financial requirements (outgoings, desired income) Harry devised a drawdown strategy for my pension account that made sense, that my wife and I understand sufficiently, and that we didn't need to actively research and choose the the funds to make the strategy work. 4. We have confidence that Harry has our best interests in mind as he works to make our retirement enjoyable and financially secure.

Have you seen the outcome you were hoping for?

Due to my wife's working life being unexpectedly extended (by choice, due to change of circumstances), and due to the current covid-19 pandemic, the outcome isn't quite as expected. This means that we have not yet needed to take an income from the drawdown pension pot. However, due to a combination of fortuitous investment timing, market movements and the funds chosen, the strategy has currently exceeded all expectations for growth.

What could they have done better?

At the time of writing (08/02/21), I'm not sure that anything could have been done better. My wife and I have confidence in Harry, with no plans to go elsewhere.

Harry's reply

Hi Phil, Thank you for such a comprehensive review, I'm glad to have exceeded expectations. it's been great helping you start your retirement and I look forward to continuing to exceed your expectations in the years to come. regards Harry

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Hampshire

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

We had been talking about the need to sort out our finances for some time which became more urgent when we downsized to a smaller property. At that point we realised we needed professional help to make the most of our savings and reduce our Inheritance Tax Liability.

How has Harry Morgan helped you?

Harry was extremely helpful and a very nice guy to deal with making us feel totally at ease. He took the time to find out about our specific circumstances and requirements and then proposed a combination of trusts and investments to reduce the tax on our estate whilst also making sure we had flexibility and financial security. We both felt confident and comfortable with the advice he gave us.

Have you seen the outcome you were hoping for?

Yes, we have already saved a substantial amount of Inheritance Tax and he takes the time to come out to see us each year to make sure our planning remains on track. He is also very happy to provide us with valuable advice and guidance on any other financial matters that we need help with. On several occasions we've picked up the phone to ask his advice and he's always very helpful.

What could they have done better?

There's nothing we can think of that Harry could have done better. We just think we have been very lucky to have chosen Harry as our financial adviser. We've been very happy with his advice and ongoing service and would highly recommend him to others.

Harry's reply

Hi Gerry, Thank you for such a great review, it's a pleasure working with you and I always look forward to our meetings. kind regards Harry

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Harry

Harry was introduced to me via my business accountant. Although I already have an adviser, it seemed no harm in a second opinion. Harry was incredibly understanding and flexible regarding fixing a date on Zoom, due to my business commitments. When we finally got to virtually meet, Harry had a really good handle on my business and current circumstances both personally & business. A great source of information and suggestions which were both thought provoking and gave me clarity moving forward. At present i'm staying with my current adviser but I wouldn't hesitate if my circumstances change of either recommending or using Harry as my adviser. Such a really nice chap and didn't "fry" my brain with jargon.

Harry's reply

Hi Nigel, It was great to meet you and I'm glad you got so much value from our conversation and I wish you best of luck in the future. Thank you for the great review. kind regards Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Surrey

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

I was needing support and guidance with the management of an investment portfolio.

How has Harry Morgan helped you?

Harry provided extremely in depth and easy to understand explanations of the options open to me and how best to invest to meet the longer term investment return goals that I was seeking. He was also able to advise, recommend and set up a new private pension scheme on transfer of a previous employer pension scheme.

Have you seen the outcome you were hoping for?

To date, despite the challenging global situation with the impact of the Pandemic and Brexit for the UK, my investments and pension have progressed well, showing much better annual growth compared to some other investment options I have that are not managed by Harry.

What could they have done better?

We currently have an annual review of all investment areas which has been fine in previous years. Due to the current issues and constant uncertainties within the global markets, maybe a review every 6 months would be beneficial in the short term just to review and validate if any changes should be made to ensure that all investments are residing in the right areas to ensure stable long term growth.

Harry's reply

Hi Ari, Thanks for the great review! I note you comments about 6 monthly reviews and your preference has been updated. It's great working with you and I'm looking forward to spending the next few years helping you plot your path to 'retirement'. Regards Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

To receive professional advice for long term financial planning and consolidation of assets and inverstments.

How has Harry Morgan helped you?

Yes. Harry provided sound general advice in a straightforward style, whilst leaving ultimately the decisions around his recommendations to me.

Have you seen the outcome you were hoping for?

Initially yes, but the greater benefits from such advice are likely to be realised over the long term.

What could they have done better?

Harry has answered all my questions and clarified my understanding of various complexities when requested. At this stage of our oingoing relationship I cannot specify a way in which he could have improved.

Harry's reply

Hi Jonathan, Thanks for the great review, I'm looking forward to helping you plan your spending on more fun stuff once the lockdown(s) lift. regards Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Hampshire

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

Having accumulated multiple defined contribution/money purchase pensions over my career I was looking for advice and potential consolidation for future flexibility.

How has Harry Morgan helped you?

Harry took the time to discuss and consider our situation in the round, current situation, future plans, asking questions and contributing ideas which frankly we'd never thought about before. In return he presented a comprehensive and very understandable set of options. He was able to consolidate some of my difficult to access legacy pensions, release the Tax Free Cash and migrate them to a Wellesley plan which I can now access online.

Have you seen the outcome you were hoping for?

Yes, broadly achieved our initial objectives. Clearly the markets have fluctuated wildly over the past 12 months which has been a challenge but we are in good shape.

What could they have done better?

All good really. Harry's embraced video calls and screen sharing which has enabled us to have very effective reviews over the past year.

Harry's reply

Hi Roger, Thanks for the great review, its been a pleasure working with you and helping you plan the early years of your retirement. regards Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

Planning for the future.

How has Harry Morgan helped you?

Harry was brilliant at explaining all the options in a clear and precise way.

Have you seen the outcome you were hoping for?

My house is now in order and hopefully money working best for the future

What could they have done better?

Harry is very approachable and straightforward which is important to me. With Harrys help I have more understanding of how things work in the financial world,however I still find some of the pie chart representations difficult to comprehend. Harry is excellent and patient with his explanation and guidance but a more simplistic report would suit me better.

Harry's reply

Hi Sue, Thank you for the great review, it's be my pleasure helping you over the years. I note you comment about the financial reports we use and I will try to simplify these in the future. Best wishes Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Surrey

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

Looking to invest money

How has Harry Morgan helped you?

He helped us with organising our money and hopefully to make it grow

Have you seen the outcome you were hoping for?

Sometimes but that’s not Harry’s fault it’s the state of the world

What could they have done better?

I do not feel Harry could have done any better for us ! He has always been in contact and there when we needed to discuss anything Couldn’t have asked more of him

Harry's reply

Hi Tony, Thanks for the great review, it's great working with you. best wishes Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

I was looking for advice on my investments and how to make the most of my money, to enable me to save towards a deposit for a house. I also wanted to make sure I had appropriate insurance in place and that my pensions were in a working for me.

How has Harry Morgan helped you?

Harry spent a lot of time to make sure he understood my goals and aspirations, to enable him to provide me with options and ideas on how I could best achieve these. We have met on a annual basis, where Harry has provided me updates on my investments and made sure that they were still suitable. When things in my life have changed, Harry has provided advice on alter my investments accordingly. Harry has always made me feel like an individual, he has spent time getting to know me, and providing advice that suited my needs. He is very knowledgeable and trustworthy and I would highly recommend his services.

Have you seen the outcome you were hoping for?

Yes - everything is going to plan!

What could they have done better?

I have no comments to make at this time.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Hampshire

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

Attended a seminar and realised we needed guidance

How has Harry Morgan helped you?

Explained options available, an excellent listener with a desire to help.

Have you seen the outcome you were hoping for?

Early days but especially in the present economic climate very happy.

What could they have done better?

Can't think of anything at the moment. Very pleased with all our dealings.

Harry's reply

Thanks Roger, I really appreciate you taking the time to leave me a great review. kind regards Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Surrey

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

SIPP performance and risk; Long term risk and assurance thereof.

How has Harry Morgan helped you?

Now manages my pension and offers ad hoc FA

Have you seen the outcome you were hoping for?

in progress. < 1 year

What could they have done better?

My FA made me question "what joy am I including in my life?" - a valuable question As performance against a benchmark is key - to justify, what I deem to be somewhat average average fees, a quarterly review, especially post COVID, would be reassuring

Harry's reply

Hi Jeff, Thanks for taking time to leave your review. I look forward to demonstrating value over the coming years and I will be asking you to improve your ratings once you feel happy doing so! many thanks Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Kent

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

Needed to plan for retirement sooner rather than later.

How has Harry Morgan helped you?

Helped cut through all the complicated retirement plans and we have now a simple and agreed plan.

Have you seen the outcome you were hoping for?

So far no as this is a long term plan over 20-30 years and we are on in year 1.

What could they have done better?

NA

Harry's reply

Hi Bradley, Thank you for the great review, its just year 1 and I'm looking forward to many more year helping you plan for your retirement. kind regards Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

I was looking to set up a SIPP and this lead me down the path to seeking a financial adviser.

How has Harry Morgan helped you?

Harry was very personable and helped by explaining the different products available and what would work best based on my goals and time horizon. He handled all the associated paperwork and getting set up with a private pension.

Have you seen the outcome you were hoping for?

Harry's advice has been very valuable both with regards to getting into the habit of regularly investing and reviewing performance throughout the year.

Harry's reply

Hi Alex, Thanks for the fantastic review, it's great to work with you too. best wishes Harry

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Sussex

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

Retirement advice

How has Harry Morgan helped you?

Clear advice

Have you seen the outcome you were hoping for?

Good investment and income

Harry's reply

Thanks for the great review Paul, it's a pleasure working with you. Many thanks Harry

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Surrey

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

My husband and I wanted to get life insurance in place and look at pensions options for the future.

How has Harry Morgan helped you?

Harry was very helpful from start to finish. He couldn't of been easier to deal with. It made the whole process very straight forward.

Have you seen the outcome you were hoping for?

Yes 100%

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

Nearing retirement and after inheriting family money

How has Harry Morgan helped you?

Financial planning including pension advice and maximising annual ISA allowance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - exceeded all our expectations

Harry's reply

Hi Paul, Thanks for the great review. Regards Harry

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Harry

A most valuable, professional and helpful conversation centered around pensions and IHT. For the time being I am able to self manage these matters but I would not hesitate to contact Harry again should my circumstances change.

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Harry

I was looking for advice regarding the transfer of a pension from a D B scheme to a D C scheme. Harry talked to me at great length about my options and even though he couldn’t really help me, his advice and knowledge was invaluable!! If I need the services of a financial advisor in the future, I will definitely be calling Harry Morgan

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in East Sussex

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

Needed a pension

How has Harry Morgan helped you?

A friend

Have you seen the outcome you were hoping for?

Yes

Harry's reply

Hi Bruno, Thanks for the 5 star review, much appreciated. Kind regards Harry

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Harry

He was clear and precise with all aspects of are meeting.

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Harry

Explained everything I needed to know. Don't know if I'm going to move my pension

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

My wife had retired from full-time work as a Teacher about ten years ago and I retired from full-time work as a Civil Engineer in August 2017. We had paid off our mortgage and we required financial advice relating to several areas of income and expenditure, including income from overseas savings. I had previously received financial advice from the Henley Group, now part of St James's Place, while working in Hong Kong so it was beneficial to secure continuity of advice from St James's Place, via Harry Morgan at Wellesley, in the UK.

How has Harry Morgan helped you?

Harry met with my wife and I and we made a record of our income and expenditure, our savings, and our pensions, to form the basis for the management of our finances going forward. Our "appetite" for risk was clearly understood by Harry, who set down in a document the best strategy for our finances based on what we had discussed and agreed. We have been given regular updates of our financial position in writing and have benefited greatly from the regular meetings we have with Harry which have resulted in prudent changes to our portfolio.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

With the outcome of Harry's advice exceeding our expectations, I am unable to identify any areas of advice where Harry could have done better.

Harry's reply

Dear Jonathan Thank you so much for such a great review, its a pleasure working with you. kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Hampshire

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

Inheritance money received

How has Harry Morgan helped you?

By talking in plain English as I am not a financial expert

Have you seen the outcome you were hoping for?

yes

Harry's reply

Hi Julie, Thank you for the great review, its much appreciated. kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in London

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

We had some savings that we in a low earning account

How has Harry Morgan helped you?

He took great care in assessing our attitude to risk and explaining that investments can go down as well as up. He also listened as to what we wanted from an investment - in our case income. We have also kept abreast of inheritance planning.

Have you seen the outcome you were hoping for?

We have had a steady flow of income.

What could they have done better?

We have nothing to add here.

Harry's reply

Hi Sandra, Thank for the great review, its much appreciated. kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Middlesex

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

Needing help with setting up financial support arrangements for my partner

How has Harry Morgan helped you?

Very understanding in recommending division of savings and investments to meet or needs.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cannot suggest any way in which he could improve his service

Harry's reply

Hi Richard, Thank you very much for the great review, its much appreciated. kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Oxfordshire

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

Harry was my parents' financial adviser for many years and they were always extremely happy with the services he offered. We decided he would be an ideal person to advise us on our own finances.

How has Harry Morgan helped you?

Harry helped us to decide how to invest our inheritance money. He also advised me on setting up a private pension. He gave us advice on our mortgages, for example on making overpayments.

Have you seen the outcome you were hoping for?

Yes, we are extremely happy - our original investment has increased considerably. There were ups and downs along the way, but Harry had explained to us that with long-term investments this may be the case and so we were prepared for this. We have full confidence in Harry and are very happy with the advice he has given us and continues to give us.

What could they have done better?

We really can't think of anything Harry could have done better. We are totally happy with the service he provides.

Harry's reply

Hi Sue, Thank you for the great review, its much appreciated. regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

To pull all my pensions together

How has Harry Morgan helped you?

Gave me great advise.

Have you seen the outcome you were hoping for?

It’s still building as I’m not retiring for another 3 years

Harry's reply

Hi Graham, thanks for the great review. I'm looking forward to helping you retire.. not long now! regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Oxfordshire

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

Pension advice and consolidation.

How has Harry Morgan helped you?

Harry consolidated several pension arrangements and offered clear, financial advice.

Have you seen the outcome you were hoping for?

Yes, absolutely. Very pleased with the outcome.

What could they have done better?

Nothing comes to mind.

Harry's reply

Hi Gary & Michele, thanks for the great review, its really appreciated. kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

Sale of property

How has Harry Morgan helped you?

Gave advice on investments

Have you seen the outcome you were hoping for?

Yes

Harry's reply

Hi Julie, Thank you very much for the great review, its really appreciated. regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

We had not reviewed our pensions for a number of years and we wanted to be more active in saving for retirement.

How has Harry Morgan helped you?

Harry reviewed our current financial situation and pension provision while also considering our current and desired lifestyle. This was very helpful as it helped us to refine our goals and make a plan for the next few years as well as the longer time period between now and retirement.

Have you seen the outcome you were hoping for?

We have been happy with the outcome so far.

Harry's reply

Hi Heather, Thank you for taking the time to leave a review, much appreciated. Kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Hampshire

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

My husband was dealing with the finance and doing well playing the stock market. He unfortunately died in 2011 and I could not replicate his work so sought a financial adviser to invest my money

How has Harry Morgan helped you?

He spent a long time going through my investments and then advised and dealt with the transfer of these investments

Have you seen the outcome you were hoping for?

the investment Harry advised are achieving to my expectations

What could they have done better?

I have no experience in finance and therefore cannot criticize Harry. I question his decisions and I am satisfied with his answers and results

Harry's reply

Hi Hazel, Thank you very much for taking the time to leave a review, much appreciated. Kind regards Harry

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Surrey

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

Needed ongoing advice

How has Harry Morgan helped you?

Major review of finances

Have you seen the outcome you were hoping for?

Absolutely

Harry's reply

Hi Ian, Thank you for the great review, It’s much appreciated. Best wishes Harry

First impression from a user who is not yet a client

June, 2019

Overall

Please provide a brief comment about your experience with Harry

Very helpful initial financial review

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

Needed more growth than we had previously been achieving.

How has Harry Morgan helped you?

Made various investments in keeping with our requirement for growth at the same time bearing in mind our risk acceptance level. Also advised regarding IHT and created various family trusts to assist with this.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All excellent.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

Met at networking and needed someone to review pensions

How has Harry Morgan helped you?

Reviewed pensions for us

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

We mainly needed inheritance planning as our house value increased quickly and therefore we would lose a lot in tax

How has Harry Morgan helped you?

Harry explained about some of the money being put in trust for the family to save inheritance tax.Besides

Have you seen the outcome you were hoping for?

Besides the trust being set up we believe our money has been invested and over the years the interest has been a lot more than if the money had been in a building society.

What could they have done better?

I am quite happy with what Harry is suggesting and he points out which funds are being changed to hopefully increase income.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Surrey

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

RETIREMENT POT APPROXIMATELY 20 YEARS AGO

How has Harry Morgan helped you?

REVIEWING OUR FINANCES ANNUALLY AND DISCUSSING THE POSSIBLE IMPLICATION AT OUR Age

Have you seen the outcome you were hoping for?

yes

What could they have done better?

fine

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Devon

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

We first signed up with ST James Place over 20 years ago & we have been very satisfied with the performance and the service offered over the years. I had previously used the "traditional" pension providers but they did not perform well & we liked the flexibility & responsiveness of the St James model.

How has Harry Morgan helped you?

Harry has always been very professional and knowledgeable whenever we have asked a question. We review our performance annually & his advice has allowed me to take early retirement & to enjoy it.

Have you seen the outcome you were hoping for?

Over the years, the performance has been well ahead of market expectations so we have no complaints.

What could they have done better?

Cannot really think of anything

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Hampshire

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

investement/Pension advice

How has Harry Morgan helped you?

worked out a scheme for a cautious lender on investments

Have you seen the outcome you were hoping for?

not yet

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

Having been dissatisfied with my previous financial advisor, I decided after consideration to transfer my pension through Harry Morgan. His six monthly update meetings have been invaluable.

How has Harry Morgan helped you?

The initial no cost advice he gave was enlightening and put a different satisfactory outcome on a way forward.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I have no other constructive suggestions as Harry Morgan has been diligent, personable, knowledgeable and highly professional in his handling of my financial affairs.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

Retirement and consoldaton of a number of policies

How has Harry Morgan helped you?

Consolidation and advised how too best invest

Have you seen the outcome you were hoping for?

No

What could they have done better?

He outlined how the market can change during differrnt periods of time and the external influences, unfortunately they have dipped

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Surrey

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

Maximize overall return on investments and inheritance tax advice

How has Harry Morgan helped you?

Clear explanation of recommendations and underlying principles of financial planning.

Have you seen the outcome you were hoping for?

A reserved yes - some of the underlying investment vehicles of St James's Place have under-performed the market but Harry has suggested alternatives in a timely manner

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

How to handle a large sum after selling the family home

How has Harry Morgan helped you?

Harry carefully looked at my circumstances and fully explained the best options for investment and potential need to withdraw sums to help my children onto the property ladder.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I'm not sure, because I knew I did not have the expertise to invest money wisely, set up plans for the future, generate an income and remain able to draw down when needed.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Surrey

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

Advice on investments.

How has Harry Morgan helped you?

Assessed our risk levels and advised us appropriately.

Have you seen the outcome you were hoping for?

Generally though of course disappointing at the moment.

What could they have done better?

Keeping us advised of best alternative investments, tough not doubting that he has done this

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Surrey

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

Care home fees and annuities for a friend, then investment savings and inheritance planning for ourselves.

How has Harry Morgan helped you?

He found the right product for the care home fees and helped us with inheritance guide lines and savings

Have you seen the outcome you were hoping for?

Our friend has since died and the annuity save a lot of problems, our savings are on going.

What could they have done better?

We are pleased so far please in what has been achieved.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Berkshire

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

As one gets older it is only prudent to consider the implications of Inheritance Planning, and also to consider potential long term care requirements

How has Harry Morgan helped you?

Harry recommended a mix of products which should help to mitigate the IHT costs in the future. He also made us aware to the possibilities of providing for long term care.

Have you seen the outcome you were hoping for?

It is probably too early to decide if the outcome is as expected due to the rather turbulent movement of funds at the present time. Harry appreciated this, and did switch some of the holdings which were underperforming to some which may prove better in the long run.

What could they have done better?

I believe that Harry has performed very professionally in his dealings with us. He does not push you into quick decisions, makes helpful suggestions on the way forward, and in general is easy do deal with. You therefore feel that the decision is yours rather than it being pushed by the advisor He is, of course, limited in what he can provide due to the nature of St James Place processes

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Somerset

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

Retirement and later bereavement

How has Harry Morgan helped you?

Continued overview and advice regarding investments particularly regarding trust and tax advice. His help in sorting out probate problems created by bad information from elsewhere was an enourmous bonus. I feel that I can trust his advice.

Have you seen the outcome you were hoping for?

I am not likely to see it as most investments are for the benefit of others.

What could they have done better?

I have no idea - inappropriate for me to answer

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Essex

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

To manage money from an inheritance.

How has Harry Morgan helped you?

Harry provides expertise and advice as well as manages all of my investments and pension.

Have you seen the outcome you were hoping for?

I am confident in how my investments are managed and have the best outcome in the currently challenging market.

What could they have done better?

I receive a first class service and am well informed about my investments.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

Following an inheritance

How has Harry Morgan helped you?

He calmly and clearly advised me where to invest my funds and has continued to keep in touch with any advised changes.

Have you seen the outcome you were hoping for?

Yes in all areas

What could they have done better?

I don't think he could.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

Decided to invest in the Equity Market, at a time when interest rates were rock bottom and to date Harry’s advice has advanced my capital by a good percentage, even in the latest challenging investment times.

How has Harry Morgan helped you?

Listened to our worries, and cautious approach and suggested a series of funds to invest in that have borne fruit. In the current chaos, suggested changes to investments to minimise this instability.

Have you seen the outcome you were hoping for?

My investments have been enhanced and redeployed to combat Brexit shambles.

What could they have done better?

Not having employed an IFA before, I have no yardstick with which to compare his endeavours, but if I ever need advice outside our usual annual interviews, I can make arrangements to consult him very rapidly and at my convenience. I would recommend him to a potential investor.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

Harry was able to help me consolidate multiple pensions accrued through employment TUPI into one managed fund

How has Harry Morgan helped you?

He helped to move individual orphaned employee pensions into one managed fund

Have you seen the outcome you were hoping for?

Yes, my investment is now in my control and the yearly fees are much less

What could they have done better?

Harry, has always been helpful and I can’t fault him in anyway

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in London

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

The pension scheme I was previously in was not investing my money correctly and they were invisible not getting in touch no annual reviews.

How has Harry Morgan helped you?

I feel like he is interested in me as a client and investing my money in a better way, Also the annual reviews are helpful and makes you feel that you are valued as a client.

Have you seen the outcome you were hoping for?

Well I have had some good years but this year was at a loss.

What could they have done better?

I'm not sure, I think he is doing all he can to get the best investments.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

I needed to change SIPP provider and Harry came up trumps!

How has Harry Morgan helped you?

He discussed all the options and recommended a new provider for me.

Have you seen the outcome you were hoping for?

Yes, but the markets aren't great at the moment. Swings and roundabouts.

What could they have done better?

Nothing. Harry is always there and see's me once a year at least.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I joined a new company and Harry was the adviser to that business for pensions. I needed to sort out and consolidate the many different pensions that I had, at that point Harry started to advise me in relation to my personal pensions.

How has Harry Morgan helped you?

Harry, looked into my numerous pension schemes, pointed out some errors in previous years calculations by HMRC and recovered almost £13,000.00 in unclaimed pension relief. We then looked to consolidate my pension portfolio based on future plans. This has resulted in some excellent growth and a far more simple approach to pensions from my perspective. Advice given relates to our plans and the predictions on what may or may not happen in the world markets, reducing my risk further by spreading my portfolio across many markets.

Have you seen the outcome you were hoping for?

Yes, growth was above market levels in the first year and on par in second year despite a volatile market.

What could they have done better?

In all honesty, due to a number of confusing encounters before with financial advisers, I can say that Harry has responded to my rather basic and probably quite silly requests and questions positively and quickly and has done his best to explain why one option may be better than another. I always knew I had to save for later life so just kept ploughing what I could into whatever pension I had and it seems to have worked, be that luck or judgement from previous advisers, however I now have a renewed confidence in the world of financial advise and this is thanks to Harry.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Essex

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

To advise us on how to maintain our finances initially and to assist us with planning our pensions for our future.

How has Harry Morgan helped you?

He gave us sound advice in terms we could understand as opposed to 'business jargon'. He detailed the best ways to invest our savings and was a great asset when we reached retirement. His professional recommendations on our pension plans gave us the confidence to make the best decisions with our finances.

Have you seen the outcome you were hoping for?

Yes, our portfolio has grown and has exceeded our expectations.

What could they have done better?

We are more than happy with Harry's appraisal and reviews.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in London

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

Required assistance with setting up our life insurance and managing our various pensions.

How has Harry Morgan helped you?

Harry was extremely helpful in terms of explaining and setting out what was the best form of life insurance for our family and took us through all the required stages to help us put the right insurance in place. I also needed advice in relation to the management my various pensions that I had accumulated from various jobs. Harry reviewed my existing portfolio and provided sage advice in how to make sure that I was getting the most out of my pensions to make sure I saw the best return for my retirement age.

Have you seen the outcome you were hoping for?

Absolutely, Harry has been and continues to be our trusted advisor when it comes to our pension and finances.

What could they have done better?

In truth, there is very little that Harry could have done better. We feel he went over and above to make sure that we had the best advice and were comfortable with the choices we made.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Surrey

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

originally looked before retiring to get information on financial and pensions planning.

How has Harry Morgan helped you?

i asked about inheritance planning and received some good advice.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

not sure he could have helped better financially as stock markets are very unpredictable.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

Redundancy

How has Harry Morgan helped you?

Advised on Investment/ISA & Pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I have no additional comments as I have been happy with the advice and service I have received to date. Regards, Dave

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in London

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

Both father and daughter needed advice, although obviously we are at different ends of the age range, and our situations are totally different.

How has Harry Morgan helped you?

Harry helped to set up a plan for my daughter from scratch, and guided me through the options as I reached retirement age.

Have you seen the outcome you were hoping for?

We are both very happy with the outcome.

What could they have done better?

As a successful financial Adviser, Harry has a very full diary- so you need to plan meetings with him well in advance!

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Surrey

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

seminar

How has Harry Morgan helped you?

Very good with financial planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Dont think so

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Surrey

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

WE HAD SOME MONEY AND WAS NOT ABLE TO DECIDE WHERE IT SHOULD BE INVESTED

How has Harry Morgan helped you?

He helped me decide where the best place for an investment was

Have you seen the outcome you were hoping for?

Very good but at the moment everything isn't doing very well

What could they have done better?

Nothing that I could think of

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

Previously I always felt that after an initial consultation I was recommended products and after perhaps not taking them out I became forgotten.

How has Harry Morgan helped you?

Harry genuinely did not try to sell me anything - he understood my particular approach to investments and savings and made recommendations that were in line with that. Since then I have regular reviews and his recommendations are proving very worthwhile. Added to which we talk about the future planning of assets and investments and he advises with genuine interest and care to adhere to my own objectives or steer me in a more beneficial direction.

Have you seen the outcome you were hoping for?

Its too early to say in terms of the final outcome but everything is pointing in the right direction. Recent recommendations he has made have made so much sense that within one week of seeing Harry I am already making slight changes to the approach in line with these.

What could they have done better?

Done better? He and all others are advising in a world that is constantly moving and no one has the answers. I have no constructive feedback to improve what Harry has been able to deliver to me.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

After leaving the corporate world and becoming self-employed a few years ago, I needed expert advice to help me plan for retirement and rationalise investments and savings. I met Harry at local business networking group. I liked his clear, concise and friendly approach so I decided to enlist his help.

How has Harry Morgan helped you?

Harry did a thorough review of my financial circumstances. He helped me clarify my financial goals and establish what I was trying to achieve for my financial future. Harry then prepared a pension investment plan that he presented and explained to me. He made sure I understood what was in the plan and the reasons behind his recommendations. I felt confident that I understood what the plan would achieve and that my future financial goals would be met.

Have you seen the outcome you were hoping for?

I am very pleased that my pension pot is growing nicely and according to plan. Harry initiates regular reviews that allow us to discuss progress, and always makes sure I am kept fully informed of any changes in my portfolio.

What could they have done better?

I cannot think of anything that would substantially improve the excellent level of care and service I have so far received from Harry Morgan.