Reviewed for

Insurance and Protection ( 25 )

Mortgages ( 18 )

Pensions ( 89 )

Equity Release ( 5 )

Retirement income (annuities, drawdown) ( 39 )

Auto Enrolment ( 1 )

Investments and Savings ( 103 )

Pension Transfers - Non Specialist ( 11 )

Inheritance Planning ( 39 )

Long Term Care ( 11 )

Pension Transfers - Specialist ( 3 )

Financial Planning ( 9 )

Financial Mentoring ( 3 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 6 )

£200k - £500k ( 31 )

£100k - £200k ( 15 )

Up to £50k ( 18 )

£50k - 100k ( 13 )

Client reviews

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig has continually provided advice on my pension planning and investments.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Continued support, newsletter updates.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bridgend

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Since our previous meeting, the world has changed, none more so than our financial plans. We met up with Craig in July 2023 to discuss more specific thoughts regarding pensions, savings & retirement. We had a very fruitful meeting and put a few plans in place that should hopefully secure a worry free future financially.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

Went to a seminar Liked what I heard from Craig. And the rest is history. Just 100% honest. I was very lucky to go to that seminar.

How has Craig Palfrey helped you?

15 years +

Have you seen the outcome you were hoping for?

Yes a d better.

What could they have done better?

The co.psny work to the highest standards I everything g they do. Just a brilliant company.

Craig's reply

Hi Brenda, Thank-you for leaving us this feedback, I'm glad you found our Seminars useful and continue to find the Penguin Service great quality. We are extremely grateful for your continued support over the years, it's clients such as yourself that make our job so rewarding. We look forward to seeing you soon! The Penguin Team

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Craig

The office was quick to reply. Appointment arranged for January 2024.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Bridgend

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

Already knew Mr. Palfrey.

How has Craig Palfrey helped you?

As ever Mr. Palfrey was informed of my concerns and addressed this excellently.

Have you seen the outcome you were hoping for?

Of course

What could they have done better?

Nothing

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

Needing to put money aside for retirement

How has Craig Palfrey helped you?

Craig has continually been there to give advice and get the best possible outcome for my investment

Have you seen the outcome you were hoping for?

Yes I have just retired and have a decent pension pot

What could they have done better?

Nothing I can think of

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Hampshire

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

His well informed team have been able to assist my daughter with her will which gives her great peace of mind, and as there is now only the two of us, it has given me great peace of mind too. Every month I am kept informed of my investments and the newest additions to his team of experts, so if there are any other aspects of my finances that need looking into they will be in Craig’s team. In this economic climate of financial uncertainty I can honestly say I am so lucky I don’t have to worry.

Craig's reply

Hi Jacky, Thank you for leaving us this review. We are delighted to hear we have been able to give you & your daughter peace of mind. Kind Regards, The Penguin Team

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Swansea

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

By providing a personal advice and updates on our investment portfolios during these uncertain market flucuations,allaying anxietes.

First impression from a user who is not yet a client

March, 2023

Overall

Please provide a brief comment about your experience with Craig

Never got back to me

First impression from a user who is not yet a client

February, 2023

Overall

Please provide a brief comment about your experience with Craig

Spoke to a different VF adviser

Craig's reply

Hi Terry, Thank you for leaving us a great review. We appreciate your comments and we look forward to hopefully helping you in the future. The Penguin Team

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

My parents downsized and were having a lot of lifestyle changes due to my Dad's ongoing health problems.

How has Craig Palfrey helped you?

He inititaly helped my parents to make informed decisions on how to manage their finances and to plan how to leave their legacy. I subsequently used Craig when we moved home and released a large amount of capital.

Have you seen the outcome you were hoping for?

Mostly, I've certainly been able to make informed decisions & managed my finances so that I have peace of mind. Unfortunately the markets are less predictable.

What could they have done better?

Maybe

Craig's reply

Hi Carol, Thank you for your review. We appreciate your feedback. Kind Regards, The Penguin Team

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Cardiff

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

To maximise my pension money for my retirement

How has Craig Palfrey helped you?

Craig has provided excellent advice and continuously monitors and adjusts my funds to ensure maximum return and always keeps me fully informed on what is happening

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Hampshire

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

We have been in touch on numerous occasions, regarding one matter or another and I have always found every member of staff ready to help with advice and that advice has always been the right way forward for me. Since the death of my husband I have needed guidance on my future investments and health protection, and I am more than satisfied that I will be well looked after, with any difficulties all ironed out for my daughter when anything should happen to me. There is always a friendly and cheerful expert on the end of the phone who is more than willing to put my mind at rest.

Craig's reply

Hi Jacky, Thank you so much for your kind review. We are so pleased that you are happy and that we can continue to support you and your family. Kindest Regards from us all, The Penguin Team.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig keeps in constant contact with us as a couple and with our children as well. We recently advised a good friend of ours to speak to Craig and she agreed that investing through Penguin was a wise step to make. In these uncertain times, he has been there to advise us and reassure us financially. Anyone needing financial advice would not go wrong speaking to Craig and trusting his advice.

Craig's reply

Hi Julie & Mike, Thank you very much for taking the time to leave us a review. We greatly appreciate your kind words and your referral to your friend. Kindest Regards, The Penguin Team.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Swansea

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

By keeping me updated regarding our portfolios during this unsettled times.

Craig's reply

Hi David, Thank you very much for taking the time to leave us a review. Kindest Regards, The Penguin Team.

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

We could not wish for a better Financial adviser, his support and advice over the years we have been with his company has been outstanding and knowing he is looking after our finances gives us peace of mind.

Craig's reply

Hi John, Thank you very much for your review. We are so glad that you trust us and that we can continue to support you. Kindest Regards, The Penguin Team.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Craig

The meeting was actually with Oliver Pughe, who would be our adviser if we joined Penguin. He was very thorough in explaining what Penguin had to offer and relating it to our particular needs. The meeting was extremely helpful

Craig's reply

Hi Peter, Thank you for leaving us a great review. We appreciate your comments and we look forward to helping you in the future. The Penguin Team

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig continues to give excellent advice and keeps me up to date on all issues concerning my pension which during this time of Covid 19 is not as straight forward as it was previously

Craig's reply

Hi Grant, Thank you for taking the time to leave such a great review for Craig. We look forward to hearing from you soon. The Penguin Team

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig and his team gave me great advice on my mortgage, which has led to me updating my will and putting Power of Attorneys in place both financially and medically. I didn’t realise how important this was for myself and my children. I will be recommending Craig and his company to all of my family and friends. I received great service, they are smart, efficient and so friendly as well as being very professional.

Craig's reply

Hi Kirsty, Thank you for taking the time to leave such a great review. We are delighted that you are happy with the service we provide and look forward to helping you and your loved ones for years to come. The Penguin Team.

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig has continued to provide an excellent service over the past year and has done so with resilience and effectiveness during the many constraints of the COVID pandemic.

Craig's reply

Hi Tim, Thank you for taking the time to leave such a great review. We are delighted that you are happy with the service we provide, and look forward to continuing to provide this service to you and your loved ones for years to come. The Penguin Team.

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

As always Craig has our welfare and our wealth under constant review. When things need doing he is always there for us giving great financial advice, and that advice is also extended to our children as well. As the market changes Craig is on top of it moving things around to our best advantage.

Craig's reply

Hi Julie, Thank you very much for leaving such a great review with such kind words. We are delighted that we can continue to look after you and your loved ones. As always, we are here if you have any queries or need any assistance. The Penguin Team.

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

We have had an enormous amount of help and advice from our Dream Team over the last few months, in an area that we had no previous experience of. It meant withdrawing from our investments, to gift a sum of money to our daughter to enable her to buy a property. Every angle was explored and dealt with to satisfy both mortgage lenders and conveyancing solicitors, to prove that no money laundering was being undertaken. We are now waiting for the final dot on the ‘I’ and ‘T’ for the long awaited moving date. We could not have ploughed through all this red tape with the help of Craig and his expertise.

Craig's reply

Hi Jacky, Thank you so much for such a great review and for such kind words. We are delighted that we can continue to service you and your loved ones, and we always look forward to hearing from you. As always, if you have any queries we are here to help. All the best, The Penguin Team

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

I’ve trusted Craig for over 10 years with my financial planning needs. This has included estate management for my elderly parent. I would and do highly recommend Penguin for their slick and personalised professional services

Craig's reply

Hi David, Thank you for taking the time to leave us such a great review. We are delighted that you recommend us to others, and that we can continue to help you and your loved ones. Kind regards, The Penguin Team

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Swansea

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Yes Craig has helped me since our last review on a regular basis regarding our portfolios and has had ongoing zoom meetings with us during this current pandemic which has informative and encouraging,

Craig's reply

Hi David, Thank you for taking the time to leave a review. We are delighted that you are happy with the service that we provide. We look forward to helping you and your loved ones for years to come. Kind Regards, The Penguin Team

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Craig

It was a free service and a phone interview . At the end I was re-assured that I am financially comfortable and am doing all the new

Craig's reply

Hi Brynda, Thank you for taking the time to leave us a review. Please do not hesitate to get in touch with us if we can be of any assistance to you. Kindest Regards, The Penguin Team

Repeat review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

He is always there if we need help regarding any financial matters he will also support us with any general inquiries if he can. Myself and husband would highly recommend his company.

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Craig

Craig was the consummate professional, was clear, helpful, and top bloke. Just what you need on financial matters.

Craig's reply

Hi Paul, Thank you for leaving a great review. Please do not hesitate to contact us if we can be of any further assistance to you. Kindest Regards, The Penguin Team

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Craig

Was very helpful, Waiting for more information

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

In the last year Craig has helped me and my wife with advice to set up up Power of Attorneys and we have set up Trust Funds for the house and pension. Craig and the Penguin Team actively manage my pension portfolio using their Asset Investment Strategy which seems to work very well, although we've had losses like everyone else during this crisis I believe the losses have been limited through the use of their strategy.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Constantly kept up to date on the status of my pension and always asked in advance to agree any changes that are to be made to the investments and the reasons for the changes are explained so I understand why the changes are being made.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Caerphilly

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Regular meetings to keep up to date with our changing circumstances, so easy to deal with and re-assuring that we have chosen the right people to work with.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig is constantly keeping us well informed with the market situation and the financial switching

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Herefordshire

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

We met to discuss how pension fund is doing and whether our current levels of draw down are sustainable and in keeping with our long term projections. Craig reassured us about the effect the current crisis is having on our investments.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig has advised us for over 15 years and has provided consistent and effective financial advice and support in a very professional way for all that time. We have always been impressed by his personal service and his wish to tailor his advice to our personal and family circumstances.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Wiltshire

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Since the dreaded Coronavirus has taken serious hold in the UK, Craig & his team have been providing their client base with regular factual, concise and non-emotive updates (via emails & videos) regarding the impact on financial markets around the world and how that relates to our investments. Even though the state of my portfolio truly doesn’t concern me in these awful times – what will be, will be - Penguin Wealth’s calm professionalism is much appreciated. Penguin Wealth provide reassurance that somebody else is keeping a watchful eye on my investments whilst I expend my emotional energy on managing today’s challenging environment. Craig even called me this week, whilst out walking the dog, to check on my wellbeing - how's that for dedication!

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Vale of Glamorgan

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig is in constant contact with us to make sure we are investing correctly and living our lives to the full.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

With all that’s going on in the world at the moment with markets being so volatile, Craig has worked from home and sent us a video whenever anything was going on to advise us of what was happening. We have no doubts whatsoever that whatever the outcome around the world, our investments are in good hands and being handled as if they were their own. We are all expecting losses and dips low troughs and highs, but the eventual outcome will need time to recover, and we all, every single one of us, must have patience, leave our investments in the more than capable hands of Craig and Penguin, DO NOT PANIC, allow the dust to settle, and accept whatever the result is, because, we are all in the same boat. The markets will return to normal, eventually, just have faith and trust in Penguin to the very best they can. We are able to sleep well thanks to Craig and Penguin. The Dream Team.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

I am able to monitor my investments made through Penguin as I wish and so I can make my own assessment of performance. Craig is particularly effective in regularly explaining and commenting on movements in the market, as well as describing the consequential portfolio adjustments being made by Penguin. This of late has been invaluable and very reassuring.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

He has helped me review my options following redundancy

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

I now have a will in place and life insurance, which is very important as I am a single mum with 2 children. I was worried it would be time consuming, but it wasn’t and is definitely worth taking the time knowing my children will be safe and secure should anything happen to me.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Swansea

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Yes Craig is keeping me informed on a regular basis regarding our portfolios in this current situation.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Caerphilly

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Craig has maintained his excellent level of service and has communicated extremely well on a regular basis with me during this period of uncertainty due to the Covid 19 pandemic.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

This review is a follow-up review from a client who left a review previously.

How has Craig Palfrey helped you since your last review?

Continued advice on future planning

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Somerset

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

I needed someone to take care of my funds.

How has Craig Palfrey helped you?

With a wise and experienced team who took appropriate action according to my needs and market trends. Excellent communication.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing without the benefit of hindsight.

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Cardiff

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

My initial contact with Craig was related to several (Mortgage) Endowment policies I had and I sought advice on what was best to do with them, which lead to me "cashing them in" and paying off my mortgage. Subsequently I was looking to retire early and obtained advice from Craig in that regard.

How has Craig Palfrey helped you?

Craig obtained valuations from all of my various pension providers. Taking this information into account, together with my "pension pot", Craig produced projections of how my pensions could finance my retirement, which enabled me to make the decision that it was possible for me to retire early. Through Craig, two of my Pensions commenced early, with my income supplemented by income from my pension pot, which was invested/managed by Craig and the Penguin team.

Have you seen the outcome you were hoping for?

I retired early, which was my main aim and so far I have been comfortably well off. There have been some issues with my pensions but these issues were outside the control of Craig.

What could they have done better?

Nothing really springs to mind.

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Cardiff

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

Retirement Planning

How has Craig Palfrey helped you?

Craig provided key advice and guidance in working out the retirement plan and providing a forecast of income and expenditure to test the plan.

Have you seen the outcome you were hoping for?

Yes ,I am very happy with the current outcome.

What could they have done better?

I have no areas of concern.Craigs customer focussed approach has eliminated any areas of concern.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Bridgend

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

Ensuring that my wife and I are comfortable going into retirement

How has Craig Palfrey helped you?

Craig provided a comprehensive summary and balance sheet forecast well into the future. This gave us the peace of mind that we’ll be ok

Have you seen the outcome you were hoping for?

Craig has made understanding our finances much simpler and we now have a great plan to implement to ensure we retire with smiles on our faces. We love visiting Penguin Wealth as everyone appears so happy and positive and this rubs off on us as clients. Thank you Craig and all at Penguin

What could they have done better?

Craig was thorough with his understanding of what we are and where we want to be financially. I’m not aware that he could have improved on what he delivered?

First impression from a user who is not yet a client

June, 2019

Overall

Please provide a brief comment about your experience with Craig

Met with Oliver Pughe a partner and not Craig. Very professional and gave excellent advice.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

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

Planning for retirement

How has Craig Palfrey helped you?

Introduced me to the available options

Have you seen the outcome you were hoping for?

Very much so, on black Friday the value of my pension actually increased

What could they have done better?

Nothing within their remit

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cardiff

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

I wanted to speak to a specialist about the Pensions I had in place and to look at Retirement Planning to ensure I had enough income to live a good life.

How has Craig Palfrey helped you?

I attended an initial meeting which was referred to as a 'Discovery Meeting' and Penguin spent their time listening to me about my situation whilst asking thought provoking questions to help me really think about my retirement planning i.e. my dreams, goals etc. They then put a Retirement Plan and Cashflow together for me and helped me to see what my future Retirement Life could financially look like.

Have you seen the outcome you were hoping for?

Most definitely - total peace of mind.

What could they have done better?

I can't think of anything - 5* Star Client Service.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

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

I had recently retired and wanted to know how long my income was going to last

How has Craig Palfrey helped you?

Penguin provided me with peace of mind and showed me that my income from my pension would last until I'm 98.

Have you seen the outcome you were hoping for?

Penguin gave me the reassurance that I needed, I had been wanting to retire for a while and I'm glad that I'm able to with a steady income and still have the same lifestyle. There was no pressure to sign up to any business at their Discovery Meeting but I'm glad I took their recommendations and used Penguin to help.

What could they have done better?

Nothing, Penguin were fantastic throughout every step

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

Ten years ago I had a jumble of personal investments that were not professionally managed. I had taken some steps towards inheritance planning, but these were incomplete.

How has Craig Palfrey helped you?

Penguin converted my hotch potch of investments into a far more structured format. From then on their monitoring of financial performance, rebalancing exercises and defensive actions taken prior to predicted slumps (e.g. October 2018) have been exemplary. On the Wealth Protection side, Penguin have put in place a comprehensive set of trust structures which makes the family's wealth much more secure for the future.

Have you seen the outcome you were hoping for?

Yes. It is very reassuring to know that my financial affairs are being managed so professionally. Penguin takes care to update me regularly on performance issues, and I feel confident that my affairs are under constant review. I also feel confident that the family's wealth is well protected for the future.

What could they have done better?

Penguin has a very accessible team. Contact is quite frequent and they respond quickly to any issues I may want to raise. I am fortunate to be dealing with a team I feel so comfortable with.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Dorset

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

initially redundancy lump sum and future pensions planning, recommended by a work colleague.

How has Craig Palfrey helped you?

Craig helped identify priorities for short and longer term. Craig is very good at drawing out what you have as your personal objectives and the finances to achieve them, he doesn't start with products or services and then bend them to suit, he is careful to understand what you are looking to do with your money and why. Penguin actively monitor the investment of the portfolio and are very proactive in advising of proposed changes which would benefit the value of the portfolio. Penguin have arranged local sessions on subjects such as Inheritance Tax Planning, these are very popular and always provide information you weren't always aware of around future changes to legislation.

Have you seen the outcome you were hoping for?

Yes, the portfolio is allowing us to have the lifestyle we enjoy.

What could they have done better?

Penguin are readily available by phone and email and are always quick to respond to any queries. They seem to manage the administration very efficiently. We have recommended them to several family members, friends and work colleagues.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Cardiff

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

We had pensions which we needed advice with and wanted to invest money in the best way to maximise our returns in a measured manor with a good level of security.

How has Craig Palfrey helped you?

We used Penguin, as they were able to give us sound financial advice which they were able to explain in a clear and concise way. Penguin were able to demonstrate a good understanding of how our money and investments would work to give good returns. They were able to give us a good level of understanding of the markets and knowledge going forward.

Have you seen the outcome you were hoping for?

Penguin have given us sound advice and the recommendations given are working for us. Our pensions have been invested in secure funds which should grow well in the future.

What could they have done better?

Penguin were able give us all that we expected.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Cardiff

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

We sought financial advice on a range of issues related to our personal and professional finances, including income protection, life insurance and pensions.

How has Craig Palfrey helped you?

We have worked with Penguin for many years and they have steered us in the right direction regarding our financial affairs as our needs (and family) have grown. They really understand what we are hoping to achieve and our aspirations, and are able to explain everything in a way we understand, equipping us to make informed decisions.

Have you seen the outcome you were hoping for?

We are very happy with the results so far and will continue to heed their advice as our circumstances change, it is great that they prompt regular catch ups to ensure everything is on track and see if there is anything that needs to be reviewed or updated. I would highly recommend them to friends and family.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Caerphilly

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

Thinking about retirement in a few years and also making a will.

How has Craig Palfrey helped you?

Open , honest and simple to understand his explanation to help us make the appropriate choices and decisions.

Have you seen the outcome you were hoping for?

It's early days yet, but all looks to be on track.

What could they have done better?

Haven't got any suggestions. They have made what could be complex discussions simple

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Bristol

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

I had multiple works pensions that had recently been consolidated and I wanted to make sure they were invested wisely. I also wanted advice around Trusts to protect my assets for my family. I was recommended to Penguin by my IFA (who was going overseas) and I have never had reason to regret the move.

How has Craig Palfrey helped you?

Penguin and the team took considerable time to understand my wishes, attitude to risk and all sorts of things I wouldn't have thought of - they were very thorough. This approach along with the regular awards and trips to the Million Dollar Round Table events for world leading advisors made me very confident I was with the right people.

Have you seen the outcome you were hoping for?

Yes. I am retiring shortly - 2 years ahead of my target. All my assets are wrapped up in trusts and I could not be happier with the outcome.

What could they have done better?

I had to drive to Cardiff :) Seriously though - a small price to pay for such great advice and service

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Cardiff

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

Retirement was looming and I realised that I had built up considerable savings through retirement plans and investments - I wanted advice on how best to deal with this situation and plan for a hopefully long and healthy retirement, but still be able to deal with emergencies and unexpected happenings along the way - and long term care issues.

How has Craig Palfrey helped you?

Craig has been both friendly and professional in all his dealings. I would say that I have an average awareness of the issues at stake but am certainly not on top of issues in relation to tax, investments, trusts. Craig has very patiently explained many of these issues (sometimes more than once!) and offered suggestions and options for ways forward. With the detailed projections based on a range of options and a bringing together of many of my investments into a single platform this has offered reassurance about the future in terms of a strategy.

Have you seen the outcome you were hoping for?

Two years into working with Penguin Wealth are early days in some respects. However, I was very pleased with outcomes after Year 1, which exceeded considerably what I would have achieved if I had kept my own personal financial strategy in place. I am aware that we live in turbulent times and nothing can be assumed going forwards, but with the current investment strategy in place, and professionals on a day to day watch for investment recommendations, I am in a better place than just hoping for the best. It is true that I have not yet followed up myself all the recommendations made by Penguin Wealth in terms of issues such as lasting power of attorney and trusts, but Penguin Wealth will keep gently reminding me of the sense of this.

What could they have done better?

I have both enjoyed and learnt a lot from my sessions with Craig - the one thing I would suggest is to speak more slowly when explaining a new concept or idea. Sometimes, there is a lot of detail to grasp or major principles to understand or choices to make.

First impression from a user who is not yet a client

March, 2018

Overall

Please provide a brief comment about your experience with Craig

He never contacted us we have gone elsewhere now

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Gloucestershire

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

My wife and I had been retired for several years. Our pensions were somewhat basic but we had accumulated a reasonable level of cash which we placed with building societies and banks that offered the best interest rates. This was successful for a while, but with the fall of interest rates to historic lows, our income was suffering badly, and any foray we attempted into the stock market failed miserably. We recognized that we did not have the necessary skills for financial investment, but that we would have to find someone who did.

How has Craig Palfrey helped you?

Penguin Wealth's approach has been somewhat different to most companies I have dealt with in the financial sector. Their first objective was to be clear on our personal goals: what our needs were and (in many ways, more importantly) what we our aspirations were - and then to produce a plan to deliver this. In addition to being effective, Penguin's advice has achieved two particular benefits for us: firstly, we can be see that our investments are spread such that we are confident that risk is being well-handled and is minimal, and secondly Penguin staff have this wonderful perspective that - in retirement - we should be using our investments to enjoy life and are always encouraging us in this direction!.

Have you seen the outcome you were hoping for?

Penguin have been managing our investments for two years now, and despite the relatively turbulent economic environment, the income we have achieved has been consistent and - to be frank - twice what we expected. And in addition to this, I am able to go online and monitor every aspect of these investments, any time I choose.

What could they have done better?

Penguin Wealth seem to be on top of their game and keep their clients up to date on the markets and the company itself through a regular newsletter. I can't think of anything I would ask them to improve.

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Craig

We were extremely nervous because of the unknown, however, the member of the team we met in reception and Craig, made us feel most welcome and went to great lengths to explain that there was nothing to worry about. The small touches, also contributed to making the process light - such as our names on a welcome tablet in reception. Craig framed all the questions in such a way that you felt he cared and was able to answer all of our questions and more. The most powerful aspect, that we came away with was that Craig did not judge us the poor financial decisions that one had made in the past and wanted to ensure that you were going to be protected now and in the future. Craig's financial knowledge was ausome!

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Herefordshire

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

My financial affairs changed several times during the latter stages of my employment and subsequent retirement. I needed advice on how to properly deal with these changes.

How has Craig Palfrey helped you?

Craig provided friendly, practical and easily understandable advice on the issues I needed to address together with solutions and options.

Have you seen the outcome you were hoping for?

Yes. The outcomes have been very positive and better than I had hoped for.

What could they have done better?

I cannot think of anything.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Cardiff

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

We attended a seminar delivered by Penguin at Bryn Ivor Lodge Care Home in the autumn of 2015 and realised that we knew very little about planning care home fees and various other aspects of financial planning. We were impressed by the professionalism and knowledge-base of the presenter, Craig Palfrey, and arranged a financial review with him. All the staff we have met are professional, courteous, friendly, helpful and knowledgeable. They are excellent at keeping us up to date with our investment performance, moving our funds to mitigate the effects of Brexit, and financial management news in general. Craig is very well qualified in his field and is a Chartered Wealth Manager - a specialist qualification awarded by the Chartered Institute for Securities & Investment (CISI). On a practical level, their offices are nice with car parking and good coffee!".

How has Craig Palfrey helped you?

He was very helpful with information on Care Fee Planning, also Trusts, Wills, Tenants in Common, Probate (we had recently lost both our mothers) and Investments. He also projected our finances for us to show us that I could afford to retire early which was great news!! He is good at explaining it in simple terms.

Have you seen the outcome you were hoping for?

So far, so good. Early days but I have retired and am loving it! We are travelling a lot, our investments are being well looked after and are increasing in value, we have re-written our Wills and set up a Trust. A lot of information is provided and we can seek updates whenever we want. Am confident that Craig understands our individual circumstances and needs.

What could they have done better?

Nothing that I can think of.

First impression from a user who is not yet a client

May, 2016

Overall

Please provide a brief comment about your experience with Craig

Craig was a true professional, very knowledgable, he listened well and fully understood my needs at this time.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Craig

I've worked with Craig in the past and sought him out to look at my pension options. I have every faith in him as he did an excellent job for me in 2001 or thereabouts. This is still ongoing.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Cardiff

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

Planning for retirement I was looking for advice on low risk long term investing.

How has Craig Palfrey helped you?

Craig has helped me a great deal over the years, advising me of the best ways to reduce my mortgage and also recommending options to grow my Personal Pension effectively with minimum costs. Craig has always provided a professional service with regular meetings to make sure I am on track with my financial goals. Craig understands my attitude to risk and has always considered this when giving me advice. I have recommended Craig to several of my colleagues and friends.

Have you seen the outcome you were hoping for?

My company is closing its final salary pension scheme in 18 months and I've been looking at the options available with Craig to try and ensure adequate income when I hope to retire.

What could they have done better?

I can't think of anything at the moment.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Wiltshire

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

*.

How has Craig Palfrey helped you?

Craig is clearly very competent and confident in his field of expertise. His level of communication is outstanding but not pushy; he always makes himself available to us should we wish to meet face-to-face and most importantly we never feel under any pressure to implement the options he recommends. We have absolute trust in Craig.

Have you seen the outcome you were hoping for?

*.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in South Glamorgan

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

Financial advise.

How has Craig Palfrey helped you?

Craig is a very knowledgeable adviser who has helped with my financial planning advise and gone that little bit further to set me up for a sounder financial future.

Have you seen the outcome you were hoping for?

Good. Yes it's getting there.

What could they have done better?

There is little that he could do better as he is doing most of the things that he should be doing.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

To plan future retirement income and inheritance planning.

How has Craig Palfrey helped you?

Provided excellent advice on the planning and management of our finances as we progressed from full time employment to retirement. Clear advice and support given on planning our expenditure and investment for future years, including sound guidance on inheritance planning and setting up trusts to benefit our grandchildren. Good appreciation of our particular family circumstances, including guidance and setting up trust provisions for future management of the assets of my wife's mother. Also good advice on personal expenditure for future years, including planned expenditure to enjoy our retirement, whilst still fit to do so.

Have you seen the outcome you were hoping for?

We are three years into retirement and our income and investments have fully met our expectations.

What could they have done better?

Some times the advice could have been a little more in tune with clients limited appreciation and capability to understand the complexity of financial planning and management!

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

To plan future retirement income and inheritance. Make provision for grandchildren.

How has Craig Palfrey helped you?

Provided excellent advice on the planning and management of our finances as we progressed from full time employment to retirement. Clear advice and support given on planning our expenditure and investment for future years, including sound guidance on inheritance planning and setting up trusts to benefit our grandchildren. Good appreciation of our particular family circumstances, including guidance and setting up trust provisions for future management of the assets of my wife's mother. Also good advice on personal expenditure for future years, including planned expenditure to enjoy our retirement, whilst still fit to do so.

Have you seen the outcome you were hoping for?

We are now three years into retirement and our expectations on income, expenditure and investments have been fully achieved.

What could they have done better?

Some times the advice could have been a little more in tune with clients limited appreciation and capability to understand the complexity of financial planning and management!

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Cheshire

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

Bereavement.

How has Craig Palfrey helped you?

I was able to discuss with him my thoughts on how to best use my assets to benefit my grandchildren.

Have you seen the outcome you were hoping for?

Secure. The outcome has exceeded my expectations.

What could they have done better?

I can scarcely believe that my last review was 2013. Since that time I have received first class service from Craig and his team. My portfolio is regularly scrutinized in the light of Market Forces and I have been fully informed and asked to give approval of proposed changes which would be in my best interest. The Education Trust set up for my grandchildren has produced excellent results. I always get a prompt and helpful reply to any questions I have. I think the most positive attribute shown by the Penguin Team is the ability to be both professional and caring which makes for a confident and trusting relationship. Josie. Cheshire

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Cardiff

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

Endowment policies not performing well.

How has Craig Palfrey helped you?

Advisor listens to all our requirements and tailors all our investments/pensions to our needs at each given point in time. Our situation is monitored on a regular basis for any changes that may be required and the advisor continually updates us via email and a monthly newsletter of all relevant changes in legislation, predications on how markets are preforming etc. We have total faith in what the advisor does is the best possible for our needs.

Have you seen the outcome you were hoping for?

Investments have been cashed in but didn't meet the hoped for requirements they would have needed to be left for a longer period of time to cover the capital of the mortgage.

What could they have done better?

Don't really think things could have been better mainly due to the crash in stock markets, etc.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in South Glamorgan

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

Originally it was for Mortgage advice.

How has Craig Palfrey helped you?

Mr Palfrey has overseen our finances for many years, we have recieved an excellent service throughout this time. We would highly recommend Mr Palfrey and his team to anyone who is looking for a reliable, proffessional and confidential company to oversee their finances.

Have you seen the outcome you were hoping for?

We both have taken early retirement so we have been helped with investing our money and lately with the new pension reforms.

What could they have done better?

There is nothing he could do better as we are already recieving a quality service.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Middlesex

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

Inheriting my parents estate we wanted to make sure that the capital was being looked after, and possibly incresing.

How has Craig Palfrey helped you?

Craig Palfrey listens to us and understands our situation and financial needs. The service is always polite and appropriate for us. We never feel rushed into making decisions and he is always available to guide us in our deliberations. From the very start, his advice saved us a lot of money by switching investments to those with risk factors more suited to our circumstances.

Have you seen the outcome you were hoping for?

We certainly have. Craig makes sure we are kept up to date with the markets and advises us of the best action to take at all times. We are completely happy to leave everything in his hands, as he is the most capable person we know to look after our assets.

What could they have done better?

We have found no fault or shortcoming in the service provided.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Cardiff

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

For our retirement.

How has Craig Palfrey helped you?

I had a previous adviser who was leaving the country to work abroad, he recommended Craig as a replacement, and as he had helped me to plan my retirement I took his advice. Our first appointment was very in depth and did a full review of my finance, he took everything into consideration, I am really happy with the service that he provides and the fact that he is always available by phone or e-mail to give advice.

Have you seen the outcome you were hoping for?

Yes we are living the dream and Craig helped us achieve it.

What could they have done better?

I have nothing that I think he could do better.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Dorset

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

My husband and I are both widowed and thus re-married and wanted advice about our new, and joint requirements.

How has Craig Palfrey helped you?

Craig keeps in touch regualrly by e-mail and "Penguin" always reply promptly to e-mail or other enquiries. Craig regularly reviews our portfolio and advises us of visits to this area as we do not live in Cardiff, to make appointments should we require one. Craig is good at understanding my need, in particular, for low risk investment and although he offers a variety of options does not make me feel pressured. "Penguin" also issue a monthly news letter which keeps us abreast of current investment and pension issues.

Have you seen the outcome you were hoping for?

I am updating my review to confirm that I continue to value Craig's frequent updates and prompt replies to our enquiries and concerns. I am happy with outcomes and believe investments made via Craig are faring at least as well as I might expect, especially as I am a low risk investor.

What could they have done better?

We are and remain entirely satisfied with the help and advice we have received

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in South Glamorgan

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

My finances were not getting the attention they should have from me. Craig got my various financial matters in order and made good investments with my capital which have come to fruition.

How has Craig Palfrey helped you?

Craig considers your overall position when providing advice, providing advice in accordance with your current personal and financial position while anticipating your needs for the future. This overall understanding of your position and the clarity of explanation on the advice given, allowed me move with confidence on course of actions put forward. In my case, the rationalisation of my finances and sound advice given, meant I was able to move with confidence into early retirement. Craig was recommended to me by close friends of mine a number of years ago, and I have since advised other friends of his excellent financial advice and service.

Have you seen the outcome you were hoping for?

Yes. Good profits are being accrued and I feel my capital is in safe hands.

What could they have done better?

None that I can think of

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

To ensure that personal pension savings were wisely invested.

How has Craig Palfrey helped you?

Craig takes all the time needed to ensure that he understands any change in my circumstances and hence any appropriate changes to to my financial management plans. I receive regular and informative reviews of the current status of my portfolios via e mail and also face to face. I find the service I get to be proactive rather than reactive which is the way things should be. I would have no hesitation in recommending Craig to other potential clients and in fact I do when any opportunity arises. Although not a specific advice category above, Craig has significant expertise in the area of Estate Planning.

Have you seen the outcome you were hoping for?

Yes I am very pleased with the way my assets have been managed to date.

What could they have done better?

This is a difficult one because I am extremely satisfied with all aspects of the service I get at the moment.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Cardiff

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

self employed needed help.

How has Craig Palfrey helped you?

Craig as you would expect is extremely knowledgable and well informed. With many financial advisors they have difficulty explaining in plain English what is best for you. Craig not only gives you top rate advice he explains it in a way that is easy to follow and understand. Having given you that advice Craig does not leave it there. He continually reviews your portfolio and recommends and advises changes as and when it is in your best interests to change. Once you are a client of Craig's he genuinely cares about you.

Have you seen the outcome you were hoping for?

still working although not contributing to my fund. My portfolio still seems to increase in value each year.

What could they have done better?

Nothing in my view.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Caerphilly

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

Several pensions split over several providers.

How has Craig Palfrey helped you?

Very professional and knowledgeable , took time to understand my personal financial position and to explain the various options.

Have you seen the outcome you were hoping for?

Currently my intention is to retire at 60 years of age.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

I needed to consolidate and rationalise my financial investments, and wanted to safeguard and protect my estate for the benefit of my wife and children.

How has Craig Palfrey helped you?

Craig Palfrey has always clearly explained all the financial options open to me and set out the logic behind his final recommendations. He is very organised in the way he progresses matters and never lets things slip. He has been particularly helpful in protecting my estate for the future benefit of my ultimate beneficiaries and his estate planning activities are exemplary. He is particularly good at explaining complex matters in a way that I (and my wife) can understand. He keeps himself well abreast of all the latest developments and changes in the law affecting financial activities, and regularly updates his own professional expertise which has been recognised on both the national and international stages.

Have you seen the outcome you were hoping for?

My financial assets are now much more organised and easy to control, and my estate has been well protected in terms of minimising tax liabilities and shielding it from potential "predatory" interested parties.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in West Glamorgan

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

Retirement.

How has Craig Palfrey helped you?

Craig has been our financial advisor now for nearly 8 years and he has always given us sound advice,excellent service and value for money,and my wife and I have always been welcomed to ask any questions about our finances.

Have you seen the outcome you were hoping for?

Yes we both have seen the an outcome that we were hoping for.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Herefordshire

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

After settling in the area with my family I realised it was time to finally sort out wills and trusts to protect the financial interests of my family. More recently Craig and his team helped my to move and then release a portion of my pension pot to enable us to improve our old house and make it much more energy efficient.

How has Craig Palfrey helped you?

Craig takes the time required to get a full understanding of my financial situation and what is/is not important to me and my family. He knows what questions to ask. Craig also explains what are to me complex issues such as tax, wills/trusts and pensions planning in a straightforward and easy to understand way. This is very important to me as it leaves me feeling confident and reassured that the actions put in place are exactly what I want and need to properly protect the financial wellbeing of my family. Craig has a friendly and approachable manner.

Have you seen the outcome you were hoping for?

The family assets are now properly protected for our children by wills/trusts etc and the money released for our home improvements has made a dramatic improvement to our energy costs.

What could they have done better?

Nothing to suggest.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Cardiff

How has Craig Palfrey helped you?

Craig has helped me to understand the complexities of financial planning, especially in relation to pensions. The whole pension market and has changed enormously in the last few months, and it is only by virtue of having truly expert advice and guidance during this time that I have been able to make really far reaching plans for my financial future. Craig doesn't simply explain the market (and how it relates to your financial affairs), but he ensures that you're able to look into the future and make plans for your financial independence that are both realistic and thorough. This quality of advice is applicable to many areas of financial planning, so apart from helping me to organise my various pension pots, I've received very good advice about both my tax affairs and future planning for my family involving Trust funds and investments.

What could they have done better?

i can't actually think of a way that Craig's service could be improved, as far as I'm concerned he has made a massive difference to my future financial security.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Cardiff

How has Craig Palfrey helped you?

I have been given excellent support in managing inheritance and with dealing with consolidation of assets upon the death of a family member. I really feel like my adviser has given and is giving me the best advice and support for my personal situation and presents the range of options available to me so that I can make fully informed decisions.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Bridgend

How has Craig Palfrey helped you?

I can write a summary of how good I felt working with Craig on my finances, however further down the review input form is a field asking me to decide what is Craig's best quality? Unfortunately I found this the hardest question to complete as he along with the team at Penguin Wealth tick all the boxes in the criteria for qualities. I was recommended by a good friend who suggested Craig could help me and after the first meeting it was clear to se that Craig had done his homework on the forms that I filled out prior to the meeting. Once Craig had completed our first meeting which seemed just like an informal chat, I left feeling like I'd known him for ages. He guided and supported me to understand what it was that I wanted, helped me setup up my goals and expectations by patiently listening and explaining in laymen's terms. The following meetings Craig helped me realise that my financial position was extremely (in comparison to my beliefs) good and he showed me computer models that demonstrated my retirement options. Wow! I'm not normally easily impressed or fully understand the financial jungle out there but Craig showed me and helped me make my own decisions. Thankyou Craig.... you deserve all the credit and awards that are rightfully coming your way!

What could they have done better?

Sorry but I cannot suggest anything I would want Craig to improve upon, I have seen several 'advisors' over the years and Craig stands head & shoulders above them all.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Cardiff

How has Craig Palfrey helped you?

He listens really well and gives advice without being pushy. You feel comfortable with him and don't feel pressured into anything.

What could they have done better?

I can't think of anything.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Cardiff

How has Craig Palfrey helped you?

Craig Palfrey is very patient and works efficiently. He conducte thorough resherch and knew exactly what I needed and I didnt feel pushed into everything.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Cardiff

How has Craig Palfrey helped you?

Craig always provides us with both clarity & peace of mind about our Financial Planning. After speaking with him about our concerns, goals, & dreams for our young family now, & for our future retirement, we feel he recognises what is important to us, he understands what we want to achieve, and he is constantly helping us to achieve it all with his on-going advice & guidance. Craig also has a natural ability of explaining things to us in layman's terms.

What could they have done better?

Nothing in my opinion

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

How has Craig Palfrey helped you?

Friendly and professional - empathetic and constructive. I found Craig to be easy to talk to and helpful, supportive in answering my queries patiently and effectively especially when I asked for information to be repeated. This is just the person you need to talk to when discussing personal financial details.

Review from verified client

January, 2015

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

How has Craig Palfrey helped you?

Builds confidence

What could they have done better?

nothing of note withn his control

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Craig

Craig was professional at all times and seemed trustworthy. I contacted 2 advisors including Craig to assess my pensions and decided on Craig.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Mid Glamorgan

How has Craig Palfrey helped you?

Craig is VERY responsive. He regularly demonstrates the care he has for us as clients and our well being. He offers timely advice that makes me think about all options not just those I have targetted and so gets me 'outside my box'. I thoroughly recommend Craig. If you have a need in these areas of service, I am very confident he will help and you will benefit.

What could they have done better?

Craig has asked me this directly and I have no suggestions for improvement - he does 'what it says on the tin'.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Vale of Glamorgan

How has Craig Palfrey helped you?

Craig and his team at Penguin are always there to help if needed, if there is a change in the economy he is on top of it immediately, making any changes that are necessary and keeping us informed. We have complete trust in CraigÂ’s skills in handling our investments in a most professional manner, and getting the best return possible for us.

What could they have done better?

We see no need for Craig and his team to do anything differently from what they are already doing so well.

Review from verified client

February, 2014

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Based in Cardiff

How has Craig Palfrey helped you?

I had a previous adviser who was leaving the country to work abroad, he recommended Craig as a replacement, and as he had helped me to plan my retirement I took his advice. Our first appointment was very in depth and did a full review of my finance, he took everything into consideration, I am really happy with the service that he provides and the fact that he is always available by phone or e-mail to give advice.

What could they have done better?

I have nothing that I think he could do better.

Review from verified client

February, 2014

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Based in West Glamorgan

How has Craig Palfrey helped you?

Approachable,knowledgable, friendly and always given good advice.

Review from verified client

February, 2014

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Based in Cardiff

How has Craig Palfrey helped you?

Craig was very easy to talk to and gave sound advice after taking into account my situation and future goals. I felt very confident with his recommendations.

Review from verified client

February, 2014

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Based in Vale of Glamorgan

How has Craig Palfrey helped you?

Craig takes all the time needed to ensure that he understands any change in my circumstances and hence any appropriate changes to to my financial management plans. I receive regular and informative reviews of the current status of my portfolios via e mail and also face to face. I find the service I get tone proactive rather than reactive which is the way things should be. I would have no hesitation in recommending Craig to other potential clients and in fact I do when any opportunity arises. Although not a specific advice category above, Craig has significant expertise in the area of Estate Planning

What could they have done better?

This is a difficult one because I am extremely satisfied with all aspects of the service I get at the moment

Review from verified client

February, 2014

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Based in Cardiff

How has Craig Palfrey helped you?

Having spent time with Craig in order to receive Financial advice , I can only say that he is a true business professional with a clear grasp of what it takes to get things done. CraigsÂ’s ability to help my needs through good communication is outstanding. His commonsense approach to issues and opportunities is both unique and refreshing. Above all, he impressed me with his willingness to be honest and offer the best advice possble.s All in all, Craig has been an absolute pleasure to work with and i would recommend him to all my friends-family.

First impression from a user who is not yet a client

December, 2013

Overall

Please provide a brief comment about your experience with Craig

First impression from a user who is not yet a client

November, 2013

Overall

Please provide a brief comment about your experience with Craig

Provided a very comprehensive review of financial position, future prospects and requirements in a positive friendly environment.

Review from verified client

October, 2013

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Based in Cardiff

How has Craig Palfrey helped you?

My husband and I have been clients of Craig for many years. Craig understands the needs of real people who want advice on how to invest their hard earned money. He doesnt waffle, he knows what he is talking about. Craig has a holistic approach to financial planning and this leaves us feeling confident and reassured about our retirement. Craig and his staff at Penguin are always courteous and proffesional. I would have no hesitation in recommending Craig as his ongoing advice and support has been outstanding! Steve and Sue, Cardiff

What could they have done better?

There is not one thing we can think of at this present time.

Review from verified client

October, 2013

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Based in Cardiff

How has Craig Palfrey helped you?

Craig always explains recommendations & strategies to us in layman's terms, so we can understand what we will achieve if we proceed with his recommendations. We particularly appreciate his "gift" in making Trusts & Tax Planning easier to understand. We like his honesty, his friendly & polite manner, and his & his team's efficiency in all they do for us.

Review from verified client

February, 2013

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Based in Mid Glamorgan

How has Craig Palfrey helped you?

Craig does it all very well indeed. After many years of listening to different advisors waffling on about what to do with our money and why, we only ever understood the options open to us when we attended a seminar hosted by Craig some years ago. Everything was explained to us in terms we could understand, and for the first time my husband and I felt,here was an advisor who understood our needs. We hadn't worked all our lives to find our investments and savings to be frittered away in company commissions and interest charges. We knew that we were going to benefit to the maximum of his skills and abilities. Throughout the whole seminar, Craig never looked at a set of notes once. All he knew, he had at his finger tips. He knew his job, and his products well. More than that, he could explain to us what investments were all about, and how they could be best looked after. Over the years everything we were expecting from our advisor and our investments came to pass. We are kept in the loop every few months, as to what the markets are doing, and how our investments are looking. If we need to ask for any advise at all, Craig is always there to give us a cheery chat and assist us in any way possible. We have had advisors in the past that have "supposedly" been looking after us, but we never heard from them in a decade.......they were always there to receive their commissions from the various investment companies, but we never knew if any of our savings were realising their potentials. We thought that this was what financial advisors did...........until we met Craig. We now have the peace of mind knowing that everything we have inherited plus our own savings will be safe and will be in place when our daughter needs to inherit from us. Over the years we have become good friends, and who better to look after your financial affairs but a friend.

What could they have done better?

Seriously.........there is nothing Craig could do better. He keeps up with all the latest workings of the financial advisors codes, and advises us as he goes along, and lets us know if there are going to be any changes to what we can expect in the coming financial year, and how he can best look after our interests. Obviously no one has any control over what the government decide to do, but we can be assured that Craig will do whatever is necessary to maximise our hard earned savings etc. So, NO, there is nothing he can do better.

Review from verified client

February, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig Palfrey listens to us and understands our situation and financial needs. The service is always polite and appropriate for us. We never feel rushed into making decisions and he is always available to guide us in our deliberations. From the very start, his advice saved us a lot of money by switching investments to those with risk factors more suited to our circumstances.

What could they have done better?

We have found no fault or shortcoming in the service provided.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

He made a full assessment of our joint financial information, then listened to what we wanted. He offered us options and explanations throughout. He was prepared to go in to more detailed information if we required. As we are not financial experts, we left his office feeling he would be doing the best for us. This is proven as despite the current climate, our investments still went up.

What could they have done better?

Can't think of anything at the moment as whatever we have asked has always been delivered.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Issues monthly newsletters. Regular meetings, seminars.

What could they have done better?

Nothing, doing their work perfectly now.

Review from verified client

January, 2013

Overall

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig from Penguin has been my Financial Planner for the last four years. I first asked him for some advice with my finances when I set up my own business and wanted to get my general finances and a private pension set up. This was an exciting time for me personally but I also felt a level of uncertainty with regard to my future financial security. When I sat down with Craig, he put me at ease straight away. It was clear to me that he has fantastic knowledge and experience within his profession. He was able to offer me a variety of different options and a much better understanding of what I could do to get as much financial security as possible for the immediate and distant future. I was also made aware of insurance and protection options that are essential for me being self employed. It's a huge weight off my mind to know that my finances are taken care of and that I don't have to worry about the stress of managing my own portfolio. Penguin have always been great to deal with, they send out regular emails to let me know what's going on within the financial world and are ready to help if I ever I've had any queries. I really can't recommend them highly enough.

What could they have done better?

It sounds too good to be true but I find the service perfect for me.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig has helped me a great deal over the years, advising me of the best ways to reduce my mortgage and also recommending options to grow my Personal Pension effectively with minimum costs. Craig has always provided a professional service with regular meetings to make sure I am on track with my financial goals. Craig understands my attitude to risk and has always considered this when giving me advice. I have recommended Craig to several of my colleagues and friends.

What could they have done better?

I can't think of anything at the moment.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

I have been a customer of Craig Palfrey for many years and my image of Financial advisers was tarnished before I became a client of Craig and it has taken me a long time to place my confidence with one and now I been with Craig I have complete faith and trust in what he advises me and I would strongly recommend anyone to Craig Palfrey. He is a warm friendly professional with a personal touch every time I see him.

What could they have done better?

Not much really as everything is polished.

Review from verified client

January, 2013

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Based in Avon

How has Craig Palfrey helped you?

I was introduced to Craig in my mid fifties and Craig provided a full review of my savings and provision for retirement. This resulted in some modification to my then current arrangements. I have continued to meet Craig as and when necessary and at least annually for a complete financial reviews. When faced with an earlier than planned retirement at age 57, Craig offered expert advice which has enabled me to maximize my retirement income in the most tax efficient way. There is a lot more to financial planning than how to save for your retirement and Craig is very innovative with his ideas and is very knowledgeable of both the market and changing legislation which can have a marked effect on how to invest and more importantly how to protect your money. One very important aspect of Craig's approach is that he will fully explore your own individual lifestyle and requirements before suggesting a range of alternatives to consider. Now approaching 64 I am confident that Craig has enabled me to secure the best possible solution to my financial planning needs and provided me and my partner with financial peace of mind. Regular contact from Craig also provides reassurance that he is constantly working to protect your interests as well.

What could they have done better?

At times I have been confused by some of the mechanics of SIPPS and Drawdown but this is possibly my ignorance of what is a very detailed and constantly changing area.

Review from verified client

January, 2013

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Based in Herefordshire

How has Craig Palfrey helped you?

Craig takes the time required to get a full understanding of my financial situation and what is/is not important to me and my family. He knows what questions to ask. Craig also explains what are to me complex issues such as tax, wills/trusts and pensions planning in a straightforward and easy to understand way. This is very important to me as it leaves me feeling confident and reassured that the actions put in place are exactly what I want and need to properly protect the financial wellbeing of my family. Craig has a friendly and approachable manner.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig considers your overall position when providing advice, providing advice in accordance with your current personal and financial position while anticipating your needs for the future. This overall understanding of your position and the clarity of explanation on the advice given, allowed me move with confidence on course of actions put forward. In my case, the rationalisation of my finances and sound advice given, meant I was able to move with confidence into early retirement. Craig was recommended to me by close friends of mine a number of years ago, and I have since advised other friends of his excellent financial advice and service.

What could they have done better?

None that I can think of

Review from verified client

January, 2013

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Based in Mid Glamorgan

How has Craig Palfrey helped you?

Craig does everything well, from discussing our needs, giving us advice, explaining his recommendations clearly, to keeping in regular contact, sending monthly financial updates and helping with any financial advice we may require. He gives a very professional service.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Advisor listens to all our requirements and tailors all our investments/pensions to our needs at each given point in time. Our situation is monitored on a regular basis for any changes that may be required and the advisor continually updates us via email and a monthly newsletter of all relevant changes in legislation, predications on how markets are preforming etc. We have total faith in what the advisor does is the best possible for our needs.

Review from verified client

January, 2013

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Based in Mid Glamorgan

How has Craig Palfrey helped you?

Craig is very accessible, responsive, knowlegeable, and ever present with good advice. It is reassuring to meet with him at least once a year to review. Craig is keen that, as his client, you do not merely receive appropriate advice and management, but that you are also constantly encouraged to assess your quality of life both current and that which you anticipate for your future.

What could they have done better?

I will continue to give this subject my due consideration!

Review from verified client

January, 2013

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Based in Dorset

How has Craig Palfrey helped you?

Listens. Balances short term and longer term. Provides clear written follow up of what was discussed and agreed. Deals with paperwork promptly.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

We first met Craig at a seminar that he presented a few years back. The subject matters were quite relevant for us at the time and through this we went on to have an initial meeting. This turned out to be very beneficial for us because of the timing (changing pension company and other reinvestments). Craig's understanding of our goals/needs was first class. The ongoing advice and support is excellent (through regular newsletters on email snd annual update meetings), with everything explained in plain English. All of the fee structures were/are well shown and explained fully. We have subsequently introduced other family members and have no hesitation in recommending him to anyone seeking financial help and advice of any kind.

What could they have done better?

Not much!

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

What sets Craig Palfrey apart from other Financial Planners that I have dealt with over the years is his holistic approach to financial planning. Craig listens carefully to his client building up a picture not only of the immediate need but also recommends what needs to be put in place to turn "one day I would like to (own my own house/travel the world/retire (insert your own dream)" to make it a reality. In essence, Craig uses his considerable expert financial knowledge to build towards and achieve the client's cherished dream - how great is that!

What could they have done better?

Ensure more people know about, and can take advantage of, this uniquely holistic approach to financial planning.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Provided excellent advice on the planning and management of our finances as we progressed from full time employment to retirement. Clear advice and support given on planning our expenditure and investment for future years, including sound guidance on inheritance planning and setting up trusts to benefit our grandchildren. Good appreciation of our particular family circumstances, including guidance and setting up trust provisions for future management of the assets of my wife's mother. Also good advice on personal expenditure for future years, including planned expenditure to enjoy our retirement, whilst still fit to do so.

What could they have done better?

Some times the advice could have been a little more in tune with clients limited appreciation and capability to understand the complexity of financial planning and management!

Review from verified client

January, 2013

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Based in Wiltshire

How has Craig Palfrey helped you?

Craig is clearly very competent and confident in his field of expertise. His level of communication is outstanding but not pushy; he always makes himself available to us should we wish to meet face-to-face and most importantly we never feel under any pressure to implement the options he recommends. We have absolute trust in Craig.

Review from verified client

January, 2013

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Based in Gwent

How has Craig Palfrey helped you?

I have had dealings with Craig Palfrey for some years, we met when my partner wanted advice about her finances and i just happened to be there at the same time. After my partner concluded her business, i mentioned to Craig that i was about to retire and was unsure of what annuity to purchase. He asked me why i wanted to buy an annuity at that particular time as rates had plummeted. Craig suggested i consider draw down pension scheme --- this allowed me to get about £1200.00 more per year than the best annuity at the time. Craig went very carefully through any pitfalls explaining in simple terms the for's and against points. I decided on the draw down pension scheme and also invested in ISA's along with other investments with Craig, all becoming very beneficial. After leaving a meeting with Craig i feel full of confidence, very elated and have a very good feeling. When in Graigs company i feel he is working for me with my best interests in mind unlike other advisors i have dealt with in the last 35 years.

What could they have done better?

The best cannot get any better.

Review from verified client

January, 2013

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Based in Avon

How has Craig Palfrey helped you?

Regular Updates plus personal face to face annual rewiews to establish budget for the forthcoming year. Also can contact them at any time to seek advice on any "one off" situations.

What could they have done better?

Nothing

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Having had a couple of advisors who were keen to set up investments for us, but less keen to manage them it was a breath of fresh air to work with Penguin. They truly manage our investments on an ongoing basis providing regular updates and suggestions on both market trends and on what's right for our situation. Penguin have also helped my mother with her retirement financial planning and helped turn what was a complex set of investments into something simple and manageable that meets her needs and that of her will.

What could they have done better?

Nothing to suggest

Review from verified client

January, 2013

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Based in Mid Glamorgan

How has Craig Palfrey helped you?

Turned our savings into a comfortable future approach and on a much better footing than I had planned for myself. Future looks much more secure and more accommodating than it would have done before without this help. Easy and style and manner helps immensely no bluster, no jargon, no condescension straight talking easy going approach. From the shoulder advice honestly and factually given with options fully explained. We have been really pleased with the way Craig has dealt with us.

What could they have done better?

It has been so good so far I dont think he could have done any more than he has

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

I like the way Mr Palfrey and his staff are always available to advise or answer any questions. All proceedings have been fully explained to me and I have always been received with courtesy.

Review from verified client

January, 2013

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Based in West Glamorgan

How has Craig Palfrey helped you?

Craig has been our financial advisor now for nearly 8 years and he has always given us sound advice,excellent service and value for money,and my wife and I have always been welcomed to ask any questions about our finances.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Mr Palfrey has overseen our finances for many years, we have recieved an excellent service throughout this time. We would highly recommend Mr Palfrey and his team to anyone who is looking for a reliable, proffessional and confidential company to oversee their finances.

What could they have done better?

There is nothing he could do better as we are already recieving a quality service.

Review from verified client

January, 2013

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Based in Dorset

How has Craig Palfrey helped you?

Craig keeps in touch regualrly by e-mail and "Penguin" always reply promptly to e-mail or other enquiries. Craig regularly reviews our portfolio and advises us of visits to this area as we do not live in Cardiff, to make appointments should we require one. Craig is good at understanding my need, in particular, for low risk investment and although he offers a variety of options does not make me feel pressured. "Penguin" also issue a monthly news letter which keeps us abreast of current investment and pension issues.

What could they have done better?

We are entirely satisfied with the help and advice we have received

Review from verified client

January, 2013

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Based in Cheshire

How has Craig Palfrey helped you?

Craig has a good understanding of the money market and how things might change in the light of changes on the home front as well as through developments overseas. He gives a full explanation of options available and will offer advice but does not press me into any particular course of action. He will comment after my decision on the efficacy of it. He always keeps in regular contact with a monthly statement and also to seeks approval of any suggested changes to my portfolio. He responds quickly to any queries I may have or to updated information supplied by me. He has a good support team.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

He keeps us informed on a monthly basis of any changes which might affect our income/expenditure. He not only advises us on saving but also shows us that we can afford to SPEND our money to enhance our lifestiyle.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

For me & my wife it is the expertise & professionalism together with the all important friendly personal touch that is all important. Nothing is too much trouble for Craig & his team.

What could they have done better?

Just carry on doing what he does.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig is a very knowledgeable adviser who has helped with my financial planning advise and gone that little bit further to set me up for a sounder financial future.

What could they have done better?

There is little that he could do better as he is doing most of the things that he should be doing.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Keeps us well updated (monthly e-newsletter) will advise if there is need to move finances. Regular meetings backed up by a client satisfaction form. Information venues where clients can be updated and advised. Family members know / have met Craig and know who to contact as regards my affairs for whatever reason is necessary.

What could they have done better?

Just stay ahead of the others.

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

I get courteous, professional, sound, and timely advice on all my enquiries regarding my pension. I have no hesitation in recommending him to anyone who has need of Independent Financial Advice. - Paul Greenslade, Vale of Glamorgan.

Review from verified client

January, 2013

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Based in Wiltshire

How has Craig Palfrey helped you?

My husband, John, and i first started using Craig's services with a view to planning our retirement in France. the situation changed dramatically when John was diagnosed with terminal cancer. After John's death Craig provided a clear breakdown of possible options and explained the pros and cons. he has helped me to plan my future without John and to protect my assets for my children and grandchildren. I have no reservations about recommending his services to friends and family. i am sure my situation would be a lot less secure had i not had the benefit of his help and advice.

What could they have done better?

nothing i can think of at present

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig Palfrey has always clearly explained all the financial options open to me and set out the logic behind his final recommendations. He is very organised in the way he progresses matters and never lets things slip. He has been particularly helpful in protecting my estate for the future benefit of my ultimate beneficiaries and his estate planning activities are exemplary. He is particularly good at explaining complex matters in a way that I (and my wife) can understand. He keeps himself well abreast of all the latest developments and changes in the law affecting financial activities, and regularly updates his own professional expertise which has been recognised on both the national and international stages.

Review from verified client

January, 2013

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Based in Avon

How has Craig Palfrey helped you?

Craig provides a truely professional service taking great care to understand our situation, goals and attitude to risk and we have regular updates as these things change over time as circumstances change. He challenges our thinking if it does not make financial sense and gets us thinking about different things that we perhaps should or could consider, without any pressure. His recommendations are explained fully and we trust him to give us the best advice regarding our family's finances. He has helped us plan so many things from pensions, investments, retirement planning to house moves - totally trustworthy.

What could they have done better?

Haven't come across a situation yet where Craig could do better!!

Review from verified client

January, 2013

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Based in South Glamorgan

How has Craig Palfrey helped you?

Craig as you would expect is extremely knowledgable and well informed. With many financial advisors they have difficulty explaining in plain English what is best for you. Craig not only gives you top rate advice he explains it in a way that is easy to follow and understand. Having given you that advice Craig does not leave it there. He continually reviews your portfolio and recommends and advises changes as and when it is in your best interests to change. Once you are a client of Craig's he genuinely cares about you.

What could they have done better?

Nothing in my view.

Review from verified client

January, 2013

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Based in Dorset

How has Craig Palfrey helped you?

Craig is always very friendly, and clearly knows his stuff. After his initial consultation, his first words to me were "so you want to carry on working.....why?", and this resulted in me taking early retirement with my financial future secured. Like many people, we took a hit during the early part of the recession, but Craig's calm and sensible attitude has enabled us to see through the difficult times, and we now will continue to ask Craig for advice and direction with no hesitation. He is extremely discreet and very thorough and I am so pleased that I came across him in 2003. It's been really comforting to feel there is someone out there who really has our best interests at heart, particularly in this very difficult financial climate.

Review from verified client

January, 2013

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Based in Mid Glamorgan

How has Craig Palfrey helped you?

Very professional and knowledgeable , took time to understand my personal financial position and to explain the various options