Reviewed for

Insurance and Protection ( 8 )

Mortgages ( 1 )

Pensions ( 44 )

Equity Release ( 5 )

Retirement income (annuities, drawdown) ( 33 )

Investments and Savings ( 55 )

Pension Transfers - Non Specialist ( 7 )

Inheritance Planning ( 21 )

Long Term Care ( 4 )

Pension Transfers - Specialist ( 9 )

Financial Planning ( 16 )

Financial Mentoring ( 1 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 21 )

£200k - £500k ( 11 )

£100k - £200k ( 3 )

Up to £50k ( 2 )

Client reviews

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Steve

Very helpful professional and informative

Steve's reply

Thank you so much for your kind review, I was delighted to be able to help you, if you need anything in the future please do not hesitate to contact me.

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Steve

Couldn't fault the advice I was give. All made perfect sense

Steve's reply

Great to meet you Greg, I'm glad you found our Meeting useful. I'd be delighted to assist you in the future if needed. All the best.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cumberland

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

The receipt of an inheritance over 40 years ago.

Have you seen the outcome you were hoping for?

Yes.

How has Steve Shovlin helped you?

By providing sound and reliable advice.

What could they have done better?

Nothing.

Steve's reply

Thank you. Always an absolute pleasure to meet with you both

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Investigating transfer of occupational pension fund.

Have you seen the outcome you were hoping for?

Yes

How has Steve Shovlin helped you?

With information and advice about the viability of transferring and the process of investing the monies.

What could they have done better?

Nothing

Steve's reply

Thank you very much for your kind review. Always a pleasure to work with you

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Steve

Steve very quickly aligned with my situation and requirements and we were able to make good progress.

Steve's reply

Thank you for your kind review, if you (or your friends, need any help in the future please do not hesitate to contact me.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

To organize a trust & to discuss financial matters.

Have you seen the outcome you were hoping for?

Not at this time but certainly in the future.

How has Steve Shovlin helped you?

He was very helpful knowledgeable & professional in all areas.

What could they have done better?

Nothing.

Steve's reply

Thank you very much for your kind review. I'm looking forward to working with you in the future. Kind Regards Steve

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

To review my pension options

Have you seen the outcome you were hoping for?

yes, this exceeded my expectations.

How has Steve Shovlin helped you?

Found missing information, guided me with understanding, pointed out pluses and pitfalls.

What could they have done better?

nothing

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Dumfriesshire

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

My husband dealt with all our financial investments. When he died I needed advice from a trustworthy company. We had been clients of Armstrong Watson for business.

Have you seen the outcome you were hoping for?

The last year has been volatile and therefore had an effect on the outcome. This is contributed by global instability. On balance i have felt on safe hands throughout.

How has Steve Shovlin helped you?

Steve keeps us updated with emails and is always on the other end of the phone for advice or a reassuring chat.

What could they have done better?

Nothing.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement

Have you seen the outcome you were hoping for?

Generally yes but recently circumstances outside Steve's control have changed things a bit. Pandemic and war in Ukraine

How has Steve Shovlin helped you?

Advised on where to invest money to achieve best returns given my attitude to risk and income requirements

What could they have done better?

Nothing I can think of

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

I was approaching retirement and needed financial planning advise covering savings and pension.

Have you seen the outcome you were hoping for?

Considering the economic landscape of Brexit, the global pandemic and the Russian invasion of the Ukrainian I am happy with the current outcome and the foundations we have put down for the future

How has Steve Shovlin helped you?

Steve has, and continues to be extremely helpful , supportive and a pleasure to work with

What could they have done better?

Nothing to note

Steve's reply

Thank you for taking the time to complete the review and for your kind words. I very much enjoy working with you!

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Good advice for managing investments and retirement plan.

Have you seen the outcome you were hoping for?

Yes as best as the market conditions allow.

How has Steve Shovlin helped you?

General risk advice and maximising return on investments.

What could they have done better?

Nothing really.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Nearing retirement

Have you seen the outcome you were hoping for?

Yes

How has Steve Shovlin helped you?

Advising and updating our investments

What could they have done better?

Nothing really

First impression from a user who is not yet a client

January, 2023

Overall

Please provide a brief comment about your experience with Steve

I found Steve very helpfull and put me at ease concering my pension. My experience with the company up to date has been good and i would recomend them.

Steve's reply

Hi Robert Thanks for your kind review. I know you have very specific circumstances and I am delighted to be able to assist you, things are progressing as quickly as we can and I hope to be in touch very soon. Best Regards Steve

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

Money received from inheritance.

Have you seen the outcome you were hoping for?

Yes

How has Steve Shovlin helped you?

By providing expert knowledge and advice based on a good understanding of my requirements.

What could they have done better?

Nothing that I'm aware of.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Steve

Very personable gentleman, whose advice was very good and appropriate too my needs.

Steve's reply

Thank you for your kind comments, I was delighted to be able to help you

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Steve

We asked Steve for investment advice for my mother following Dad´s passing earlier this year. He couldn´t have done a better job. He went to see Mum at home to make it easier for her. Honest, wise and really helpful. He made everything very clear and very simple and allowed us to feel safe and confident of how to move forward. He followed up immediately with all the information we required. I would totally recommend Steve - super guy and brillant financial advisor.

Steve's reply

Thank you for your kind comments, I was delighted to be able to assist you and your mum.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

I was concerned about my pension and wanted to know how best to plan for retirement.

Have you seen the outcome you were hoping for?

Absolutely yes.

How has Steve Shovlin helped you?

Straight talking (which I like) and he very quickly adapts what he's saying to my understanding but in the end he's super helpful in getting me to the place where I know what to do for the best without directing me!

What could they have done better?

Nothing.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

Receipt of a legacy over 40 years ago.

Have you seen the outcome you were hoping for?

Yes

How has Steve Shovlin helped you?

By being helpful and approachable as well as a reliable source of sound advice

What could they have done better?

Nothing comes to mind

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

Movement of a pension pot

Have you seen the outcome you were hoping for?

Yes

How has Steve Shovlin helped you?

Provided financial advice in a clear way that anyone would be able to understand.

What could they have done better?

Nothing

Steve's reply

Thanks for your fab review, really am looking forward to helping you guys over the years. If you know of any colleagues that you think I may be able to help please do not hesitate to pass on my details.

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Steve

Quite simply brilliant> Steve listened to my needs and my tools and all his advice was clear and precise. His knowledge and professionalism is first class.

Steve's reply

Thanks for your kind review, look forward to working with you over the years!

First impression from a user who is not yet a client

May, 2022

Overall

Please provide a brief comment about your experience with Steve

Prompt, informative and sympathetic to my requirements.

Steve's reply

Thanks for your kind review, it was a pleasure to meet you and I do hope that we can help you for years to come!

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

Needed advise on how to make best use of my pensions

Have you seen the outcome you were hoping for?

Yes, definitely

How has Steve Shovlin helped you?

Advised and set things up so I had a regular income for my family

What could they have done better?

Nothing springs to mind

Steve's reply

Thanks Ian for your kind review. I look forward to working with you to meet your goals

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

Financial Planning after retirement .

Have you seen the outcome you were hoping for?

Yes .

How has Steve Shovlin helped you?

Advice and , setting up a financial package that suits our needs , now and in later life.

What could they have done better?

Nothing .

Steve's reply

Thanks for your kind review, always a pleasure to work with you

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

I was looking for an adviser to help with my pension planning.

Have you seen the outcome you were hoping for?

Yes.

How has Steve Shovlin helped you?

With drawing down my pension and investing it with a reputable company.

What could they have done better?

Nothing

Steve's reply

Thank you for your kind review, looking forward to working with you for many years to come.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

The receipt of a legacy over 40 years ago.

Have you seen the outcome you were hoping for?

Yes

How has Steve Shovlin helped you?

His advice has resulted in steady growth of our portfolio value.

What could they have done better?

Nothing

Steve's reply

Thanks for your kind review

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Keeps in touch on a regular basis

Steve's reply

Thanks for you kind review, hope you and the family are all well and hope to catch up soon

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Kept us informed of the current changes in the financial sector. Gave reassurance and answered questions about our portfolio.

Steve's reply

Thanks for your kind review, hope all is well and we'll catch up soon

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Had a face to face review on our investment with Steve very helpful and explained all our questions

Steve's reply

Thanks for your lovely review, always a pleasure to see you both.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Following on from my last review, Steve has kept up his great service and always puts my mind at rest, especially in these uncertain times.

Steve's reply

Thanks for your lovely review Ian, look forward to seeing you soon

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

To get maximum potential from our available funds.

Have you seen the outcome you were hoping for?

Yes hopefully.

How has Steve Shovlin helped you?

Enhance our long term financial security.

What could they have done better?

Nothing.

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Had our yearly review with Steve he is always happy to explain everything to us so we understand and come away with confidence that our investment is in good hands

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Steve

I found Steve to be a very personable and helpful person, he has guided me smoothly through the pension process, and has answered any questions I had with the mininum of fuss.

Steve's reply

Thanks Paul, lovely comments! Be in touch soon

Repeat review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Retirement planning

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Steve

Astute insightful service. Steve's a pleasure to deal, seeks to really understand my requirements and provides advice really tailored to me.

Steve's reply

Lovely comments Mike, i'll be in touch soon!

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Steve

Recommended by a friend which speaks volumes. Early engagement at this point, but did what he said he would, when he would. Spoke in plain English too and explained everything clearly

Steve's reply

Thanks for much for your kind review, look forward to working with you

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Steve

As previously, straightforward, knowledgeable and reassuring. Meeting out of hours to suit me which was very helpful. Clarity of explanations to a novice excellent!

Steve's reply

Thanks so much Judith, it's been lovely to get to know you and I look forward to getting things sorted for you!

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Steve

Very pragmatic and reassuring. Clear explanations of what I needed to know and interesting options available. Quick understanding of my context and appropriate advice. Thank you!

Steve's reply

Thanks for your lovely 'first impression' Judith. I look forward to helping you in the future!

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Steve has continued to provide the necessary support and guidance that I want. It has been a quiet 12 months and I have not required an in-depth approach from Steve. However, I know that if there were any significant changes Steve would be on-hand to assist as necessary.

Steve's reply

HI Nick, thanks for the review. You are right I am here whenever you need me, i'll be in touch at the turn of the year.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Steve

Steve , was fantastic with the advice he gave us, he made the process so simple to understand in all aspects of explaining how to invest our pension pot to our advantage. Steve has a great personality and is a total professional at his job put us at ease as soon as we met him, can't thank him enough for the advice on how to invest in our pension, thanks for everything Steve

Steve's reply

What a brilliant review. Its been an absolute pleasure and I look forward to working with you for years to come.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement

How has Steve Shovlin helped you?

Advict

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

N/a

Steve's reply

Thanks Alastair, look forward to working with you for many years to come!

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Dumfriesshire

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

Find I need reassurance with what I do.

How has Steve Shovlin helped you?

Gave me the advice I needed

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don’t think there’s anything that could be done better

Steve's reply

Many thanks, a pleasure to help you as always.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

We were looking to put all our frozen pensions into one pot sdo we know where we are and had saving which we are looking for a better return on than from the banks

How has Steve Shovlin helped you?

He went through all our options and gave advise on products and services based on our personnal risks

Have you seen the outcome you were hoping for?

Only just invested with them so not at the moment but my Dad has been with them for years and done ok so I believe we will to

What could they have done better?

Nothing, have found Steve to be very helpful and has alot of knowledge

Steve's reply

Thanks Bev for your kind review. I'm really pleased that your father referred you and that I was able to help and I look forward to working with for years to come. Steve

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Steve

Super quick response

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Steve

Very happy with service provided. Felt Steve really took the time to understand our individual circumstances and very happy with the advice received. Will certainly engage with Steve in the future

Steve's reply

Thanks for leaving this review Catherine, really appreciate it. It was great to meet with you guys and I hope to be able to help you in the near future and for many years to come! Steve

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

With Steve having so capably and sensitively advised my mum for many years, he was a natural choice when I needed financial advice myself

How has Steve Shovlin helped you?

Steve has not only helped me but my wider family - my mum, my aunt and hopefully, through his work, the benefits will continue down to my children and beyond too. He has assisted with investment planning, always humanely considering the wider picture

Have you seen the outcome you were hoping for?

Yes, Steve has consistently advised my family with great attention and warmth

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Steve sends out regular email updates and we had a review via Zoom in January.

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Yes, with regular updates

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

He has continued to contact us regularly and to offer sound advice

Steve's reply

Thanks for the kind review, always a pleasure to support and advise you

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Advice re late husband’s investments and release of investment funds

Steve's reply

Thanks for the review Val, hope the opp went well and look forward to catching up soon

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Kept us informed of the financial situation during the pandemic. Given consistent and clear advice

Steve's reply

Thanks Joy for your kind review, look forward to supporting you in the future

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

With Covid have not had face to face contact but had a telephone review on my funds

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Steve has always provided very good advice around my pension fund initially and has done this in a way of easy understanding. He explains things in depth but at the same time gives me total confidence in the advice. Steve advised on life insurance to help in inheritance tax, which is now in place. He also has provided a good platform for a large investment for me recently. We have had a few tax issues with HMRC, but Steve has always been on hand with his advice and quick response. I feel very much at ease in Steve’s company and he is a credit to Armstrong Watson.

Steve's reply

Thanks for the review Ian. As discussed I will reinstate the email on market matters, when relevant. All the best

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

How has Steve Shovlin helped you since your last review?

Keeps us on the straight and narrow. No spin. No waffle. Top class Carlisle service.

Steve's reply

Thanks for the review guys, loved the comments! Think i'll use that as the title for my Auto-Biography.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Steve is alway a good listener, gathers data and comes back with suggestions, sometimes the draw of legal and data safety is a hassle but that’s not Steve’;s fault and Stev always try’s to help make it as easy as possible

Steve's reply

Thanks for the review Stu, always look forward to our discussions and to advising you in the future

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Helped sort my wife’s pension out and is always there for any advice

Steve's reply

Thanks for the review both, and thanks for referring me to new clients. Looking forward to hopefully meeting face to face in the near future!

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Setting up of SIPP

Steve's reply

Thanks for the review, really is much appreciated. I'll be in touch as you are due your annual review which you deferred. I'm looking forward to catching up with developments!

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

How has Steve Shovlin helped you since your last review?

Steve has continued to provide informative and sensible advice as well as a level of re-assurance during these difficult economic times caused by the Covid-19 pandemic. I have had no reason to doubt or question any of the advice provided. Obviously, the short term future is uncertain but I'm certain that Steve will provide all necessary guidance to ensure the best outcome for me.

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Steve

Steve explained everything very well in layman’s terms so it wasn’t overwhelming, as this was our first approach to dealing with pensions. Very personable meetings, putting us very much at ease and giving us confidence in Steve his knowledge and his services.

Steve's reply

Thanks Keith (and Lesley) Really appreciate the feedback and I am coincidentally working on your case this very minute, i hope to be in touch next week to finalise things. Stay Safe

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Steve

Plain language, complex issues explained in simple terms, clear advice...all given in a calm and reassuring manner. His approach engenders confidence and I would go back to him again. On the basis of my experience with Steve I would use Armstrong Watson again.

Steve's reply

Look forward to helping you as you approach retirement. Not long to go now really!

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

I needed a pension.

How has Steve Shovlin helped you?

He is very thorough and down to earth. He explained my options clearly and is so knowledgeable about pensions and investments. Very approachable and great to deal with.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

I can honestly say he couldn't have done anything any better.

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Steve

Felt comfortable talking personal finances with Steve Have a lot to read up on. He was very interested in my circumstances. I felt if I used his expertise in the future... I would get a job well done. Regards

Steve's reply

Many Thanks Martin, If you need to chat things through again please do not hesitate to get in touch

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Dumfriesshire

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

Management of pension and funds. Financing of property purchase.

How has Steve Shovlin helped you?

Advice on the above.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not as far as I am aware.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement

How has Steve Shovlin helped you?

With advice sufficient to make objective decisions

Have you seen the outcome you were hoping for?

Yes, up to covid 19 !

What could they have done better?

Time allocation sufficient to talk through options, and friendly advice

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

The company I worked for closed the final salary pension and offered me an enhanced value to remove my pension from them

How has Steve Shovlin helped you?

He advised me on transferring my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I was happy with the advice I was given, there was nothing more I expected from Steve.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

The receipt of an inheritance about 40 years ago.

How has Steve Shovlin helped you?

This event long predates Steve Shovlin's employment at Armstrong Watson. We sought advice from a predecessor.

Have you seen the outcome you were hoping for?

Over the years,yes.

What could they have done better?

Nothing. We have always been satisfied with the service provided.

Steve's reply

Thanks for your review. I am delighted to be able to build on your long standing relationship with Armstrong Watson and hope to be her for you for many years to come. All the best

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Have dealt with Steve's firm for years.

How has Steve Shovlin helped you?

By looking at my circumstances and giving sound advice.

Have you seen the outcome you were hoping for?

Yes

Steve's reply

Hi Marilyn Thanks so much for your kind review. If you need anything at anytime you know you can just call. Take Care Steve

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Required advice on occupational pension fund.

How has Steve Shovlin helped you?

He discussed the various options available and potential investment routes. He transferred pension fund into a SIP.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Steve is very approachable, conscientious and able to understandable explanations.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

My wife and I wanted general professional financial advice, specifically pension advice to plan for our retirement.

How has Steve Shovlin helped you?

We had already been advised by Steve’s predecessors at the Company and he continued the valued advice given by them.

Have you seen the outcome you were hoping for?

Yes. Up until present we have been delighted by the advice given.

What could they have done better?

We are not aware that our financial adviser could have done anything differently, or indeed better.

Steve's reply

Hi Thanks very much for your kind review, its always a pleasure to deal with you. Speak soon Steve

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement

How has Steve Shovlin helped you?

Gave very good advice where to invest and and what risks we were taking

Have you seen the outcome you were hoping for?

One always hopes for better but considering the unpredictable markets of the world the outcome could have been worse

What could they have done better?

At this present moment in time 07/04/2020 listened to me when I suggested at our last review that I would be happier if I turned all my investments into cash and put under my mattress. That way I would know where my money was!

Steve's reply

Callum Thanks so much for your kind review, I'll be in touch very soon All the Best Steve

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Needed some advice on consolidating savings.

How has Steve Shovlin helped you?

Easy going and friendly, listened to my requirements and needs and gave easy to understand ,constructive advice with good explanations.

Have you seen the outcome you were hoping for?

Small improvements up to now.

What could they have done better?

Simplify the written data, as it is not easy to understand

Steve's reply

Thanks for taking the time to leave your review, very kind. I look forward to catching up with you soon.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Transferred pension pot

How has Steve Shovlin helped you?

Looked at the best fund for my circumstances.

Have you seen the outcome you were hoping for?

Yes. The only question is, my pot is in pru cautious and I thought I would only grow / decline by max 5% and under the exceptional circumstances it’s dropped by 10%?

What could they have done better?

Charged a lesser fee

Steve's reply

Hi Ian Thanks for taking the time out to leave this lovely review. I will be in touch with you very soon All the best Steve

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Got a retirement package from my company

How has Steve Shovlin helped you?

Steve gave us great advice on what to do with my lump some more than happy with service we receive. Get a yearly review and always there for advise when required

Have you seen the outcome you were hoping for?

Yes very pleased but who knows how we will come out of covid 19 situation. But daily updates off Steve at this difficult time helps a lot

What could they have done better?

At this difficult time he is keeping this clients up to date great service

Steve's reply

Hi Mike Thanks for taking the time to leave the lovely review, its always a pleasure to help you both. Take care Steve

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Surplus funds due to land sale

How has Steve Shovlin helped you?

Advised on tax situation, IHT situation and how to invest to maximum advantage in my circumstances .

Have you seen the outcome you were hoping for?

The markets have been compromised due to the coronavirus, so no. The IHT planning will have a positive outcome.

What could they have done better?

I don’t feel qualified to answer this

Steve's reply

Hi Val Thank you so much for taking the time to complete the review, very kind of you. As you appreciate the markets have a difficult time of it in the unprecedented times, however most of the experts expect that this is a short sharp shock and things will recover once the world gets on top of the nasty virus. Take Care Steve

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

I am a self employed business owner

How has Steve Shovlin helped you?

I have been a client to Steve for several years, receiving regular and ongoing financial advice .

Have you seen the outcome you were hoping for?

Typical of most investments there is an element of risk, but I have a long term view on things and looking back I am happy with the outcome.

What could they have done better?

Have access to a Crystal Ball....

Steve's reply

Hi Mathew Thanks very much for your kind review. It's always a pleasure to deal with you. Once I get that crystal ball you'll be the first to know! Take Care Steve

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

I had a lump sum dew to retirement

How has Steve Shovlin helped you?

Steve became involved further down the line and has been very helpful with advice and further investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Keep doing what he is doing

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Ongoing Financial Planning

How has Steve Shovlin helped you?

Ongoing Investment Management

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Steve

I found Steve friendly and very knowledgeable about the services and products he offered, explaining things in a clear and straightforward way.

Steve's reply

Thanks Martin, great to team up again. Will be in touch as things get finalised. Thanks again for the review

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Steve

I was faced with a major change to my personal financial situation which required a complete review of status and options. Steve did an excellent job in guiding me through this process, challenging me to question my priorities and plans. Steve was very knowledgable and able to explain tax implications and greatly improve my understanding.

Steve's reply

Thanks for taking the time to complete this John. I hope all goes well with your upcoming meetings and if you need another brainstorm just give me a call. All the best

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

After receiving an inheritance, I needed suitable advice to allow me to provide myself with an income which would, potentially, allow me to give up work and enjoy life.

How has Steve Shovlin helped you?

Steve reviewed my pension background as well as advising on investment options for my capital. This was based on an assessment of my levels of risk and, after discussions, I was able to make a suitable decision.

Have you seen the outcome you were hoping for?

I have been in the process for less than a year and so cannot comment in detail. However, based on progress so far it would appear that the plan is on track.

What could they have done better?

Overall, I have been very pleased with Steve's attitude, knowledge and advice. At this stage, I cannot think of any shortcomings with Steve's advice.

Steve's reply

Thanks Nick, as we both know yours is going to be a long relationship and not just a single hit short term fix. I very much look forward to working with you over the months and years to come to build on the foundations we've set up. Thanks for the review.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

Advice with regard to retirement income

How has Steve Shovlin helped you?

By giving friendly and considered advice

Have you seen the outcome you were hoping for?

Yes

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

To put my historical pensions in order to understand what I would retire with against my needs when retiring. Actions needed to meet that need.

How has Steve Shovlin helped you?

Collated pervious pensions for possible consolidation, set a forecast plan for three retirement ages, and needs financially to meet such dates. Advised on active pension top up and managing.

Have you seen the outcome you were hoping for?

Yes... it was a reality check and gave me the understanding on what I must do to achieve my retirement goals.

What could they have done better?

Having received the advisory package and not being ofay with pension plans and forecasting. I believe a closing meeting would have been very beneficial. Fortunately after prolonged reading I did get my head around the advice given, which did raise some minor question at the time.

Review from verified client

March, 2019