Reviewed for

Insurance and Protection ( 8 )

Mortgages ( 5 )

Pensions ( 86 )

Retirement income (annuities, drawdown) ( 54 )

Investments and Savings ( 94 )

Pension Transfers - Non Specialist ( 14 )

Inheritance Planning ( 30 )

Long Term Care ( 10 )

Pension Transfers - Specialist ( 14 )

Financial Planning ( 29 )

Reviewers' assets

£500k+ ( 28 )

£200k - £500k ( 19 )

£100k - £200k ( 10 )

( 2 )

£50k - 100k ( 1 )

Client reviews

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

We have regular reviews and explanations of our investments. Robin is friendly, helpful and professional. We are very happy with the service we receive from him.

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

See previous reviews

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin has continued to manage my drawdown pension and provided ongoing advice on future financial planning and general investment advice.

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Always on hand via email , phone call away

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Yes he has been very helpful

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Worcestershire

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

How has Robin Etherington helped you since your last review?

Mr Etherington has spent time talking to us, developing an understanding of our lifestyle and anxieties. Admittedly our financial affairs are not complicated but we do appreciate the security of competent guidance.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Surrey

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

How has Robin Etherington helped you since your last review?

In the current financial climate it has again been reassuring to know that Robin has maintained a firm grasp on the portfolio.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Yes

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

As always, Robin is quick to respond to any questions we have and has explained changes that he and the team have advised us to make over the last couple of years. Now well into retirement, our financial priorities are evolving and Robin has always been a good sounding board relating to ideas we may have because he has come to know our attitudes well over the nearly 20 years that we have benefited from his advice.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

In our annual review meeting Robin outlines how our pensions and investments are performing and what, if anything, needs changing.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Same as before and always willing to give answers if I need to phone for advice.

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 Robin Etherington helped you since your last review?

We have been looking at our retirement income and Robin has been very helpful in talking us through the various options and their relative advantages and disadvantages.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

I have a yearly review to discuss all areas of my financial affairs:- This may change in the not too distant future so I may need more advice from Robin which I am confident I will receive.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Worcestershire

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

How has Robin Etherington helped you since your last review?

Robin's colleague advised when I requested drawdown from SIPP & managed the process for me.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin has guided me through the process with solicitors for Trust funds within my company

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Worcestershire

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

How has Robin Etherington helped you since your last review?

Robin helped me access my ISA funds for a capital project.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin and his staff have been very good with there advice

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Investment review and pension advise

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Yearly review

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Devon

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

How has Robin Etherington helped you since your last review?

Robin is always prompt in responding to any questions I have and great at explaining things in lay terms. He is also proactive in providing information and advice on opportunities relevant to my situation.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Yes with IHT planning in setting up trust funds Ongoing investment planning

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Very well indeed and especially following the death of my wife in 2022

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Oxfordshire

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

How has Robin Etherington helped you since your last review?

Robin has continued with the great one-to-one service that we have enjoyed for many years, nothing seems to be too much trouble. Robin has advised on IHT planning, investments for my mother and the Trust and even given advice and support for matters relating to careers in Finance and Investment

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Continued to provide pension advice

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Robin

Very friendly and professional. Took time to listen to our requirements and provided several options for us.

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin continues to guide me with an annual review of my investments and pension and is willing to be contacted if I have any concerns between the reviews.

Robin's reply

Thank you Carol for taking the time to leave a review. Always appreciated.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Powys

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

We had a number of different investment & pension "pots" that needed rationalizing. We needed advice on pension tax.

How has Robin Etherington helped you?

The pension "pots" have been consolidated into a SIPP and the ISAs & PEPs placed on a single platform. The pension tax issues are now resolved.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Difficult to say

Robin's reply

Thank you very much for taking the time David. Greatly appreciated.

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

How has Robin Etherington helped you since your last review?

Robin has been a great help in navigating us skilfully through the turbulent equity and debt markets of the past year - a n excellent performance.

Robin's reply

Thank you Alun. Always appreciated.

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin has advised me with end of year financial planning and investments

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin remains always there for us whenever we need help or advice. We have, within the family, some problematic and very complicated ‘trust’ offshore investment policies and whenever an issue comes up with them we know he is just a phone call away, He always offers us good solid advice and remains very approachable and understanding even though these policies are very old and were not set up by him.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

I sold my business, releasing capital, and thus required financial advice.

How has Robin Etherington helped you?

HDA have been solid and dependable, providing personal and successful financial advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/a

Robin's reply

Hello Bill, Many thanks for taking the time to leave a review. Trust is such a key part of our business and reviews like this give confidence to new customers who are considering using our services. Kind regards, Robin

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

Following retirement, to ensure that my various personal pensions were properly managed and invested on my behalf by a capable and trustworthy organisation.

How has Robin Etherington helped you?

By ensuring a tax efficient monthly income from my pension.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Possibly, but that could have involved greater risk.

Robin's reply

Many thanks Mike. Much appreciated.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

Looking to take early retirement

How has Robin Etherington helped you?

His expertise and advice allowed my wife and me to take early retirement with adequate funds to contine in a very relaxed lifestyle with no finacial worries.

Have you seen the outcome you were hoping for?

Yes

Robin's reply

Thank you for taking the time Iain. It means a lot.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

The need for professional advice on savings and pesion

How has Robin Etherington helped you?

By giving a personal service

Have you seen the outcome you were hoping for?

Yes

Robin's reply

Many thanks Mark. Reviews from our existing customers are a valuable barometer of our service, and they are very useful for potential customers who are looking for someone they can trust.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Worcestershire

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

Retirement of previous advisor who had been advising on mortgages and pensions.

How has Robin Etherington helped you?

Established our views on investment and our attitudes to risk and overseen our savings accordingly. Managed our investments to trim our children's exposure to IHT.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

Nothing that I know of. They have always responded to questions that we have raised. Our meetings in person have helped understanding of our wishes.

Robin's reply

Thank you David. Your feedback is much appreciated.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

Advice needed when I was a trustee for my late mother's Will Trust in 2005

How has Robin Etherington helped you?

Since 2005 Robin has advised us with regards to various aspects of my late parents' finances, managing pensions savings for my husband and me plus ongoing investment, retirement income and inheritance planning since we retired.

Have you seen the outcome you were hoping for?

We have certainly benefitted from Robin's ongoing support and advice through the various challenges of the ups and downs of global finances over many years!

What could they have done better?

I really can't think of anything that has fallen short over the years - all members of staff in addition to Robin has always been most professional and responsive to any requests.

Robin's reply

Thank you Mary for taking the time to leave a review. I appreciate your feedback.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

When my company who i was working for at the time stopped the company pension

How has Robin Etherington helped you?

Yes Robin has been brilliant for me on his advice given to me

Have you seen the outcome you were hoping for?

Yes i have

What could they have done better?

Far as i'm concern nothing

Robin's reply

Many thanks John. I appreciate your feedback.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

Pension and mortgage advice

How has Robin Etherington helped you?

Good deals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Robin's reply

Thanks Clive. I appreciate it. Big year ahead ....!

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

Investing ISA for mortgage repayment and retirement planning

How has Robin Etherington helped you?

Advised on niche ethical ISA requirements. Also helped to arrange investment to facilitate a small drawdown (pre-retirement)

Have you seen the outcome you were hoping for?

Yes, I would not have achieved same outcome without Robin

What could they have done better?

Nothing

Robin's reply

Hi Alex, I hope all is well with you. Thank you very much for taking the time to leave a review. It is greatly appreciated.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Oxfordshire

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

I needed somebody that could offer good advice and guidance to help manage my mothers financial interests and make best possible returns whilst not opening up to huge risks.

How has Robin Etherington helped you?

Robin has guided and supported my family for over 20 years, good advice, patient enough to explain the same thing many times over.

Have you seen the outcome you were hoping for?

Generally yes, of course investment performance could have been better (good years / not so good years) and the fees / costs take a bite but I don't regret at all the working relationship over the years.

What could they have done better?

I get frustrated by the online communications (web vault and so on), I never really did master the ability to use the online portals. But we made up for this using in-person reviews at least once per year.

Robin's reply

Many thanks Simon. I value your feedback.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin continually monitors our investments and if needed changes funds that are not performing, he has also given us good advice as we both near retirement age.

Robin's reply

Hi Rory, thanks for taking the time to leave a review. It is much appreciated.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Suffolk

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

How has Robin Etherington helped you since your last review?

Despite the financial turmoil of the past year it has been reassuring to have Robin oversee the portfolio with a steady hand on the tiller.

Robin's reply

Many thanks Glyn. Your feedback is greatly appreciated.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

He always explains stuff to me

Robin's reply

Thank you Shirley. Your feedback is greatly appreciated.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin has monitored my pension fund and makes changes regularly to reflect my circumstances.

Robin's reply

Thanks Mark. Your feedback means a lot to us. Glad to hear we're delivering.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin Etherington is always on the end of the phone, e-mail or if I would like to see him in person. He is so professional and I trust him to make the best decisions in relation to my pension and old age.

Robin's reply

Thanks Teen, I really appreciate your feedback. See you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin has continued to give me good advice and guidance with my personal and company investments and planning for the future.

Robin's reply

Thank you for taking the time to leave a review Hilary. It is very much appreciated.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

How has Robin Etherington helped you since your last review?

My wife and my financial position is now relatively stable, but Robin remains proactive in ensuring our position is protected and enhanced. I sleep easily at night knowing that he is bringing his knowledge to bear on matters that I am not as well informed as I used to be.

Robin's reply

Many thanks Alun. I hope you are both thriving. Speak to you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Worcestershire

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

How has Robin Etherington helped you since your last review?

Provided advice and means for us to access our savings and pensions to provide an income during our retirement.

Robin's reply

Thank you, Richard for taking the time to leave a review. It is very much appreciated.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Advised me on the best action to be taken to help protect my investments

Robin's reply

Thank you Adrian. Reviews are very important to us, so thank you for taking the time. I will be in touch very soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Yes regular meetings

Robin's reply

Thank you George. Much appreciated.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Has improved my funds

Robin's reply

Thank you John. I appreciate you taking the time to leave a review. I will be in touch very soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Devon

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

How has Robin Etherington helped you since your last review?

Robin continues to be responsive to any requests I make for advice or information. I very much value his input and advice and he presents options in a clear and simple fashion which helps enormously with decisions I make.

Robin's reply

Thank you Katie, this is much appreciated. Speak to you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Provides sound solid advice

Robin's reply

Thanks Carl, I appreciate this. I will be in touch very soon.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Herefordshire

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

How has Robin Etherington helped you since your last review?

Advice on Inheritance on Tax which we have taken.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was newly married and looking to secure my finances for the long term

How has Robin Etherington helped you?

Robin has provided me with solid financial guidance over more than twenty five years. Through the ups and downs of life and the markets his advice has always been clear and consistent in a way that has built enduring trust.

Have you seen the outcome you were hoping for?

Thanks to Robin I’ve been able to retire early and I continue to rely on his sage advice as international uncertainties once again come to the fore.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Leicestershire

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

Robin has been our financial advisor for around 20 years. When I retired 8 years ago I looked at a selection of potential independent advisers who could be trusted to give sound advice in a clear manner and provide protect the future retirement plans we aspired to. Robin met that criteria

How has Robin Etherington helped you?

Robin has kept us up to date on market conditions and changed investments & providers accordingly. There are regular reviews where the risks & our financial expectations are discussed and recommendations given. I can not praise him & the team at HDA enough for all the work done.

Have you seen the outcome you were hoping for?

Despite the volatile market our expectations & lifestyle have been protected and more than met by Robins advice, guidance & professionalism

What could they have done better?

I can think of nothing

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

Following the death of my husband I needed advise following receipt of his death in service payment.

How has Robin Etherington helped you?

Guided me into longer term investments. Robin also helped me 3 years ago when I retired and helped me with pension advice and transfer.

Have you seen the outcome you were hoping for?

Generally yes although recently as with all investments there was a drop in value but the investments have started to recover slowly and Robin has always reminded me that investments may rise and fall and they are there for the longer term.

What could they have done better?

Nothing they have stayed in touch throughout the pandemic and are always available if I ring them.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Powys

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

How has Robin Etherington helped you since your last review?

Our pensions and investments have all now been rationalised and put on a platform that we have access to for regular updates. The pensions have now started and Robin provided advice on lump sums and the tax position.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cardiff

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

How has Robin Etherington helped you since your last review?

It's been a relatively quiet period, although I always get significant value from our annual review.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Review my current investments, pensions and savings. The most tax efficient way of drawing enough money in my retirement to enable to live on.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

Robin has always been available to help and give me advice with all my financial planning, either by Zoom , phone or a face to face meeting

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Robin Etherington helped you since your last review?

We sold a property and had a cash lump sum so we needed help to decide where best to invest. Robin looked at our overall position taking absolutely everything into account and then gave us sound and sensible advice including some options that we would never have thought of ourselves.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Shropshire

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

Retirement from main job

How has Robin Etherington helped you?

Advice on reinvesting lump sum from pension and starting a company pension for my continuing part time work in my own company

Have you seen the outcome you were hoping for?

yes

Robin's reply

Many thanks Andrew.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I wanted an IFA to helpmeet plan for my future retirement and ensure I had adequate life insurance cover to protect my family.

How has Robin Etherington helped you?

Robin has provided valuable advice in making sure my investments are placed in the best possible place to get the maximum value.

Have you seen the outcome you were hoping for?

So far so good!

What could they have done better?

Nothing springs to mind. The advice and service has been excellent

Robin's reply

Many thanks John. I appreciate you taking the time to leave a review.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

In 2008 at the age of 59 I was looking for a reliable independent financial adviser to help me plan financially for the future. Robin Etherington was recommended to me and I have used his company ever since and have never regretted doing so. Robin has provided me with advice and a service which has been most reliable and effective. He is very professional in his dealings and is always approachable if you need to discuss anything. I have also found the same helpfullness and efficiency from his support staff.

How has Robin Etherington helped you?

Whilst I was still working, Robin advised me about consolidating various small private pension plans and arranged that for me. Once I retired, he also helped me to transfer the accumulated fund out of my employment pension scheme into a SIPP.

Have you seen the outcome you were hoping for?

The results have been excellent. My investment has done well despite some very challenging external conditions. HDA continually look at ways to improve their service.

What could they have done better?

Nothing.

Robin's reply

Many thanks Michael. I look forward to speaking to you very soon.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

To helped me consolidate my investments into more appropriate funds and prepare myself for future retirement.

How has Robin Etherington helped you?

Sorted my old certificated investments and consolidated them into a more manageable and Tax efficient portfolio.

Have you seen the outcome you were hoping for?

Despite volatility generally in markets due to COVID I have been pleased with performance of my investments

What could they have done better?

I cannot think of anything!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Retirement & pension maturity.

How has Robin Etherington helped you?

Set up and now oversees Investment Portfolio.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't know if they could have done better.

Robin's reply

Many thanks Bill. Long time no see! I hope you and Liz are both keeping well.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

When our original IFA retired we looked long and hard for somebody to work with. Somebody who could embrace all the features of a SSAS that we have fully employed over recent years.

How has Robin Etherington helped you?

You never know if your portfolio puts you in the top, middle or lower echelons of HDA's business. They are simply keen to establish your objectives, timescale and risk profile.

Have you seen the outcome you were hoping for?

HDA are an efficient team who are proactive, but do not mind being challenged and are subsequently reactive

Robin's reply

Thank you Richard. I hope all is well. Speak to you soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Initially I needed advice with the investment options available for trustees after the death of my mother for myself and the other trustees of her Will Trust. This initial contact has resulted in 15 years of advice as life has moved on through various stages.

How has Robin Etherington helped you?

Robin's advice has quite simply enabled me to weave my way through the various financial challenges of life since my forties: helping with trust management, helping with supporting my father and his financial planning and later estate reporting. In more recent years, he has helped with my pension planning along with my husband's and now in retirement our annual reviews and email updates continue to keep us abreast of relevant changes. Whenever we have a question, it doesn't take long before we have an answer to an email, either from Robin or a relevant member of staff if he is unavailable.

Have you seen the outcome you were hoping for?

We have built a relationship over many years which means that Robin has a good understanding of what is important to us and we have great trust in the advice that he gives us. I'm absolutely sure that we wouldn't feel as comfortable in retirement as we do if we had just muddled our way through without his straightforward, knowledgeable advice.

What could they have done better?

I really can't think of anything that could have been better at the moment.

Robin's reply

HI Mary, many thanks for taking the time. We enjoy working with you.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bristol

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

Wanted a more local advisor and someone I could meet face to face

How has Robin Etherington helped you?

Robin looks after my Pension, ,tax returns and investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing so far

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Following retirement I needed trustworthy independent professional advice on the management of my various pensions.

How has Robin Etherington helped you?

Robin assisted by bringing together my pensions and advising on the most suitable drawdown pension provider.

Have you seen the outcome you were hoping for?

Robin is proactive in managing the pension investments and ensuring they meet my requirements.

What could they have done better?

I am satisfied that using HDA's services was a good decision. It is difficult to think of what could be done better, except to say that there are many poor financial services providers in the market, so to be confident in your financial adviser provides peace of mind.

Robin's reply

Many thanks Mike. I hope you are well and I look forward to speaking to you soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was looking to retire and wanted to make sure I made the most out of the funds I had available.

How has Robin Etherington helped you?

Robin found out about my situation as is was and what I was planning to do in the future and my feelings about risk. He then advised how my funds should be invested in the most tax efficient way to best suit my immediate, medium and long term goals.

Have you seen the outcome you were hoping for?

I feel that my funds have been invested to suit my needs (certainly a lot better than I could have done myself) and I now feel confident about the future.

What could they have done better?

I am struggling to think of anything Robin could have done better.

Robin's reply

Thanks Mike. It was good to speak to you earlier. I will be in touch again shortly.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Surrey

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

Having invested moderately successfully with a household-name Asset Management company over a number of years I felt that the time had come to lock in those gains with a professional adviser whose finger was more reliably on the pulse, particularly as I was finding my work took me more frequently abroad and for longer periods.

How has Robin Etherington helped you?

Robin was introduced to me by my late mother-in-law who had been a most satisfied client of HDA for more than a decade. Since moving my financial assets to the HDA umbrella, these have further consolidated and shown more than satisfactory returns. It is reassuring to know that even if Robin is not immediately at the end of a phone, the call will be returned very quickly.

Have you seen the outcome you were hoping for?

The financial outcome has been largely in line with the chosen level of risk. Even the market troughs have impacted relatively lightly on overall values. A major positive has been the personal attention received in all our dealings.

What could they have done better?

Given the parameters laid down for our investments the results have been very satisfactory and Robin has successfully manoeuvred other areas of financial dealings on behalf of the family. There are further issues in the pipeline, such as inheritance tax planning, which we would have no hesitation in discussing with him.

Robin's reply

Hello Glyn, thank you for your review and for your kind words. I'm glad to be able to help.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I had used numerous different advisers in the past and needed to consolidate my affairs.

How has Robin Etherington helped you?

He consolidated various small pensions, insurances and investments and took over the management of these as well as advising generally on my financial affairs.

Have you seen the outcome you were hoping for?

All seems reasonably well so far but, as another client commented, it will be for my children to decide! Certainly the small trust he set up for me performed very well until we brought it to an end having achieved the purposes it was set up for.

What could they have done better?

I think it would be helpful to have a more frequent idea of HDA’s views on my investments generally.

Robin's reply

Many thanks Mark. I will be in touch.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

Our previous adviser on retiring introduced to Robin Etherington.

How has Robin Etherington helped you?

He conducted an audit of all our savings, income and investments. He ascertained our attitudes to risk and choice of investments e.g. were we interested in companies specialising in "Green" energy etc. He consolidated the funds and encouraged us to make sure that we made full use of ISA entitlements. Following that he advised us on inheritance tax and how we might minimise the liability for our children.

Have you seen the outcome you were hoping for?

The outcome will be for our children to decide.

What could they have done better?

He has been very careful to explain each stage to us. A lot of the information was not immediately understood by us but he has been very patient and we hope he will continue to be so.

Robin's reply

Many thanks David and thank you for your patience recently when dealing with "that bank"!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Have dealt with Robin since 1987, he arranged our first mortgage,,then dealt with our pensions ever since and still does

How has Robin Etherington helped you?

In recent times when my partner passed away, he dealt with her life policy and arranging the payout in very stressful times

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was left some money in a will and wanted advice as to how best to invest it.

How has Robin Etherington helped you?

Robin always helpful. I see him once a year and he always explains things to me in a way I can understand.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing everything satisfactory.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

We were introduced to Robin some 8 years ago, at the time we were very unhappy with our current F.A. who was pretty useless and therefore we were looking to move our investments to an adviser who would take a more active interest which in the long term would see our investment grow.

How has Robin Etherington helped you?

Robin assessed our future needs, pensions, timescale, attitude to risk etc, over the last 8 years Robin and his team at HDA have regularly reviewed our portfolio thus ensuring a return that we are happy with, it's very reassuring to have found an adviser who we trust 100%.

Have you seen the outcome you were hoping for?

Yes, very satisfied and we like the new Wealth Portal where we can keep an eye on how our funds are doing.

What could they have done better?

Nothing, Robin and his team provide an excellent service and we highly recommend them.

Robin's reply

Thank you Rory. Greatly appreciated.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Originally for an Investment ISA to help pay my mortgage. This developed into income protection, wealth management and pension advice

How has Robin Etherington helped you?

Having taken on my portfolio a few years ago, Robin has actively advised on better ways of meeting my financial goals, including an ethical asset portfolio, and a means of regular "drawdown" of capital whilst allowing for future growth

Have you seen the outcome you were hoping for?

Yes. I now receive a regular monthly drawdown of capital, whilst my overall portfolio is achieving capital growth

What could they have done better?

The online wealth platform wasn't so good, but has recently improved

Robin's reply

Thanks for taking the time to post a review Alex. Much appreciated.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Devon

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

I was looking for advice on managing my money, upto and beyond, early retirement. My intention was to use my property to boost income post retirement and I wanted to know how to make my money work best for me.

How has Robin Etherington helped you?

Robin was approachable and friendly and extremely thorough when assessing my income streams, savings and providing advice to support my retirement plan. He explained complex (to me) pension options in a way that I could understand and feel confident in making decisions about.

Have you seen the outcome you were hoping for?

Yes, I was able to make my money work well for me in the years leading up to early retirement and feel confident that the investments and plan I have now will support the retirement I desire.

What could they have done better?

I honestly can't think of anything, Robin is great to work with. He's responsive and I feel that no questions I ask are stupid, although I suspect many are!

Robin's reply

That's really kind Katie. Thank you so much. Speak to you soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Following second marriage in 1996 and retirement shortly afterwards needed to plan for future

How has Robin Etherington helped you?

Thorough enquiry into our precise needs and establishment of a clear plan

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

Complexity of data sometimes a little heavy but summaries always clear.

Robin's reply

Many thanks Alan. I hope you are both keeping safe and well.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

As part of my divorce settlement, I received a proportion of my ex-husband’s pension through a Pension Sharing Order. However, I had concerns about how to manage this along with my personal pension plan.

How has Robin Etherington helped you?

I have no experience of dealing with pension arrangements, let alone investing, so I was in need of guidance from someone I could trust. Robin assessed my needs and talked me through my objectives. We also discussed my attitude towards taking risks with money and the length of time that my funds would be invested.

Have you seen the outcome you were hoping for?

Robin’s advice has enabled me to provide security for my family and myself. I am very happy with the information presented to me and the updates I receive on a regular basis. Robin has provided me with security and peace of mind, which is invaluable.

Robin's reply

Thank you Vicky. I appreciate it. Speak to you soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

Required advice

How has Robin Etherington helped you?

Provided advice tailored to my situation

Have you seen the outcome you were hoping for?

Yes - positive

Robin's reply

Thank you Mike. Speak to you soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Early retirement with a good income

How has Robin Etherington helped you?

My wife and I were looking to take early retirement on a financial level which was as good as or better than our current salaried income. We had various pensions and savings which needed consolidating and also we needed advice, guidance and a sound finacial plan as to the best way to achieve our goals. We had already been in contact with one finacial planner who proved to be a complete waste of time, money and effort. After some research we chose HDA Financial Planners who, even in these difficult times and despite some pension companies slow responses, have been absolutely excellent in helping us to achieve our goals. We have found them to have an extemely professional attitude and communication has been exemplary. We would highly recommend HDA Financial Planners

Have you seen the outcome you were hoping for?

Absolutely, it has been better than anticipated

Robin's reply

Thank you for your kind words Iain. We are looking forward to working with you in the years ahead.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was introduced to Robin by my sister following the death of my husband.

How has Robin Etherington helped you?

Robin initially helped me with savings and investments and then a couple of years ago helped by transferring my stakeholder pension following my retirement.

Have you seen the outcome you were hoping for?

I did to begin with and this is now improving again following the problems over the pandemic. I accepted that this would be a tough time and can see things slowly improving.

What could they have done better?

He helped me at a time of uncertainty and this was greatly appreciated. Nothing more was needed.

Robin's reply

Hi Carol, I hope you are well. Thanks so much for your review.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I needed some advice on my pension.

How has Robin Etherington helped you?

Robin gave me some suggestions and advice on what he could do for me.

Have you seen the outcome you were hoping for?

Yes i have seen the outcome and still am.

What could they have done better?

Nothing every thing Robin advise work well for me.

Robin's reply

Thanks John - that's very kind of you.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

Sale of Business

How has Robin Etherington helped you?

Managed successfully my investments for over 25 years

Have you seen the outcome you were hoping for?

Yes very satisfied

What could they have done better?

Every one can do better, but I am happy.

Robin's reply

Many thanks Graham. I will speak to you both soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Together with my husband we decided that it was time to review our savings

How has Robin Etherington helped you?

Robin our savings and suggested a safe simplified package taking into account our attitude to risk.

Have you seen the outcome you were hoping for?

Yes

Robin's reply

Many thanks Barbara. I will speak to you soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

Multiple pension funds, which needed consolidation into a SIPP. Then needed advice on investments & risk management.

How has Robin Etherington helped you?

Robin & his team undertook the transfer of the suitable pensions into the SIPP and advised which pensions should be left to provide annuities.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing significant

Robin's reply

Thanks for taking the time to leave a review Graham. Much appreciated.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Mostly pension planning

How has Robin Etherington helped you?

Detailed advice, including multiple helpful spreadsheets

Have you seen the outcome you were hoping for?

yes

What could they have done better?

n/a

Robin's reply

Many thanks Alan. I will be in touch shortly.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I would like to be able to work part time when I reach 60 and with Robin's help I am hoping this will be possible.

How has Robin Etherington helped you?

Always able to contact him and he always gets back to me within the day - very good service

Have you seen the outcome you were hoping for?

My pension funs keeps growing so he is working hard for my needs in this current climate which I think is incredibly good. Hopefully in 3 years time I will be able to achieve my goal

What could they have done better?

If there is anything that he thinks would help in my journey I am sure he would tell me. He sends me reviews quite often through the year and if he feels I need to change anything he always lets me know. I trust his judgement

Robin's reply

Hi Teen, thanks for taking the time to post a review.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I inherited money over 12 years ago from family and needed to invest wisely for the future.

How has Robin Etherington helped you?

Living in Cheltenham at the time I wanted a local financial advisor. Our first meeting was very professionally conducted and so Robin has been of great help through good anbad times.

Have you seen the outcome you were hoping for?

Yes, good sound advice and a good return on my investments.

What could they have done better?

A very professional service with good up-to-date advice.

Robin's reply

Hi Alan, many thanks for your review and your kind words.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I initially went to HDA for mortgage advice.

How has Robin Etherington helped you?

I have used Robin for all my pension and financial advice for about 40 years, and in all this time he has provided superb service in a friendly and professional manner. The performance, management and administration of all my portfolio has more than met my expectations.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Robin's reply

Many thanks Mark. I will be in touch very shortly.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

To become more tax efficient

How has Robin Etherington helped you?

He helped change my mindset for the better

Have you seen the outcome you were hoping for?

Pensions are for the future so only time will tell if it is a good investment

What could they have done better?

It get good advice that i can rely upon.

Robin's reply

Thanks Carl. I look forward to speaking to you again soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Robin has been our financial advisor for 30 years, originally we sought advice to balance our meagre investments and pensions with the purchase of our first property. As our careers developed and lives changed Robin has always been on hand to provide advice for our changing needs.

How has Robin Etherington helped you?

Originally Robin gave us some very astute recommendations for investments which have served us well over time, he has also helped us rationalise and provided advice on pensions including advice on financial plans for retirement. I also feel Robin really listens to our concerns and requirements and will always take these into account.

Have you seen the outcome you were hoping for?

Yes , as ever this is a work in progress but we have full confidence in Robin to provide the right advice at the right time.

What could they have done better?

I really don't think we'd have stuck with Robin for so long if we weren't completely happy with the service we receive. I think what is particularly important is that Robin will always make himself available for advice and guidance and if necessary face to face meetings , financial decisions often come at stressful periods of our lives, moving house, changing jobs and more wholesale lifestyle changes like starting a family or retirement.

Robin's reply

Thanks Richard - that's really kind of you.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

I received an inheritance that I wanted to provide a long term income in my retirement.

How has Robin Etherington helped you?

Robin helped to guide me through to a strategy to achieve my aims.

Have you seen the outcome you were hoping for?

Given the recent circumstances, Robin helped me to plan for my future income.

What could they have done better?

It would be useful to have a fast link to a knowledgeable assistant to answer simple questions that do not need an in-depth answer.

Robin's reply

Many thanks Richard. Speak to you soon. If ever I'm not available, just ask for Will in the office - he will be able to help.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Somerset

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

Future pension planning and savings advice

How has Robin Etherington helped you?

Regular updates with face to fac meetings ( pre Covid) mean that investment strategies and consequent risks and rewards are always explained in a friendly and clear manner.

Have you seen the outcome you were hoping for?

Given the turbulent times to date I have been happy with the service and returns and will continue to rely on Robin for pension and saving advice.

What could they have done better?

Easier access to the investment platforms so that I would be more inclined to check them more regularly, but this could well be a reflection of my IT skills rather than Robins services.

Robin's reply

Many thanks Chris. I will be in touch.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Oxfordshire

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

My father died 30 years ago and my mother and I needed Investment and Inheritance planning advice.

How has Robin Etherington helped you?

Initially we set up a Trust to manage some monies at risk of inheritance tax, later on this extended to managing my mothers other investments and savings

Have you seen the outcome you were hoping for?

Yes on the whole, some good years and no so good years, depending upon the financial markets. But always good advice and support

What could they have done better?

We still struggle with the online portal to understand what is going on with our investments but this is counter-measured by one-to-one reviews once or twice a year that my elderly mother really appreciates.

Robin's reply

Thanks Simon, that's really kind of you. Speak soon.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

After Selling our own company we needed to invest money for the future of our retirement and family. Since then my husband has passed away and he has guided me with all future financial planning.

How has Robin Etherington helped you?

Robin gave me very good advice of the investments, explaining the low, medium and high risk factors for investing on the stock market and always being available to discuss any financial concerns I have. He also tansferred pension scheme to enable them all to collated into one financial package.

Have you seen the outcome you were hoping for?

My investments have made steady growth and in this very turbulant financial time that is all that we can expect.

What could they have done better?

I can't think of anything that could have improved the service, and financial advice I have recieved, Whenever I have phoned or emailed I have always had a response within the day, and my investments have continued to make steady increase, even with the difficult financial climate.

Robin's reply

Thanks Hilary. I'm glad to help. Kind regards, Robin

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I wanted pension advice

How has Robin Etherington helped you?

Robin provide advise on pension transfers & setting up a SIPP

Have you seen the outcome you were hoping for?

Yes

Robin's reply

Many thanks Lynda. It's appreciated. Kind regards, Robin

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Needed to consolidate my pensions and needed a tailored investment plan for my retirement.

How has Robin Etherington helped you?

Robin understand my risk appetite and total finances along with my pension future needs.

Have you seen the outcome you were hoping for?

Yes definitely despite turbulent markets.

What could they have done better?

Nothing I can think of.

Robin's reply

Hi George, Thanks so much for taking the time to leave a review. All the best, Robin

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was recommended by my solicitor when looking for somebody to look after my finances

How has Robin Etherington helped you?

He has always looked after my financial needs and given me some excellent advise.I trust him completely to look after my finances and am grateful that I was introduced to such good financial advisors.

Have you seen the outcome you were hoping for?

Yes

Robin's reply

Thanks Adrian. I do appreciate it. It's been quite a few years now! Kind regards, Robin

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cardiff

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

I was approaching retirement and even though I am reasonably financially sophisticated I was recommended by a very good friend of mine who is very sophisticated financially to take advice and recommended Robin Etherington.

How has Robin Etherington helped you?

The initial advice was so comprehensive and insightful that I and my wife felt confident enough to transfer oversight of all our financial affairs to Robin, including asset management.

Have you seen the outcome you were hoping for?

Absolutely. Robin has exceeded even my high expectations.

What could they have done better?

Even though I am used to giving constructive criticism, I cannot think of anything that Robin could have done better.

Robin's reply

Thank you Alun - that's really kind. Stay safe. Kind regards, Robin

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Different but interlinked circumstances over 20 years, including inheritance tax planning with my mother, and investment/pension planning with my wife - balancing our buy-to-let property portfolio with ISAs etc.

How has Robin Etherington helped you?

Initial advice and set up; useful annual reviews which remind us to step back from day-to-day considerations and look ahead; and very quick turnround of queries or requests.

Have you seen the outcome you were hoping for?

Yes - in terms of growth, security, and - just as importantly - peace of mind.

Robin's reply

Thank you David. Your kind words are greatly appreciated. Regards to you both, Robin

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Our existing financial advisor left the company we had previously used and we were not happy with the replacement

How has Robin Etherington helped you?

He was able to understand our requirements and priorities at that time in our lives and as our circumstances have changed he has tailored his advice and recommendations to suit. Initially it was advice on pensions, investments and life cover and now is on draw down and annuities.

Have you seen the outcome you were hoping for?

Yes. We have complete confidence in his advice and we have seen reasonable and sometimes very good returns on our investments. As expected our investments took a dip both in the 2008 crash and the recent pandemic but they were within what we expected and his advice to us to "hang on in" was sound.

What could they have done better?

Nothing in recent years. In the early years of working with Robin he really got to know us and understand when we needed to be prompted and when he could react to our requests. By putting in that time we feel that he understands us and therefore provides the service that is right for us.

Robin's reply

Thanks Julie. Hope to speak to you soon.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

How to maximise return on savings through pension planning

How has Robin Etherington helped you?

Robin has always provided clear advice on how to maximise my investments to meet my personal financial goals.

Have you seen the outcome you were hoping for?

Yes, I was able to retire at a time of my choosing, safe in the knowledge that I could maintain my standard of living.

Robin's reply

Thank you Jacqui. I hope you are keeping well. Kind regards, Robin

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Shropshire

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

Retirement, but then continued with my own part time business

How has Robin Etherington helped you?

Investment advice, savings, trust fund issues, pensions and pension regulation, issues with tax and Wills

Have you seen the outcome you were hoping for?

Yes, barring financial crashes e.g. COVID

Robin's reply

Many thanks Andrew. I appreciate you taking the time. Kind regards, Robin

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Had pensions that were very old fashioned and under-performing, along with small equities ISAs package. Needed an overhaul and proper advice.

How has Robin Etherington helped you?

Robin was patient enough to talk me through various options when I was self-employed and helped me to visualise a well-managed retirement plan and take advantage of tax breaks.

Have you seen the outcome you were hoping for?

I have an excellent outcome and have a planned retirement fund which has helped me to retire at 60. In fact it is a few years now that I stopped fretting about family finances knowing that they were in safe hands.

Robin's reply

Hi Kay, Thanks so much. Let's hope they let you out soon to enjoy retirement! Kind regards, Robin

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Herefordshire

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

In the early 1990's I was working for a company that did not run a company pension scheme. I was introduced to Jeffrey Worth, Financial Variations. Jeffrey was instrumental in setting up my ISA's and Pension. When he was looking to retire in 2012, after researching the options, he merged with HDA.

How has Robin Etherington helped you?

Since 2012 Robin has proved most helpful and competent so that we have transferred other ISA's to HDA to be managed by them.

Have you seen the outcome you were hoping for?

Yes

Robin's reply

Hello Michael, Thank you for taking the time to post a review. I hope you are both keeping safe and well. Kind regards, Robin

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Devon

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

I was unhappy with a stockbroker run portfolio that I had 25years ago or so

How has Robin Etherington helped you?

By understanding my needs and providing a well managed portfolio based on returns and risk management

Have you seen the outcome you were hoping for?

Over the long term yes

What could they have done better?

I don't know, I think the systems have improved as time goes on so they seem to be on the case

Robin's reply

Thank you Adrian. Much appreciated.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Worcestershire

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

The sale of shares over 25 years ago, in a private company, gave me money to invest for my retirement.

How has Robin Etherington helped you?

The money was invested safely, with minimal risk.

Have you seen the outcome you were hoping for?

I have retired on a sound income, which has secured my life style.

What could they have done better?

We can all do better! But achieving my goal, is all I expected.

Robin's reply

Many thanks Graham. I hope you are both safe and well.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

I'd just got married and moved to a new area

How has Robin Etherington helped you?

Robin performed a financial health check and came up with several recommendations to improve my situation

Have you seen the outcome you were hoping for?

Yes. Robin's been advising me for nearly 25 years and has got me into a strong position as I approach retirement which would not have happened without him

Robin's reply

Hi Nigel, Thanks for leaving a review. I appreciate it. I hope you are keeping well. Kind regards, Robin

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Leicestershire

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

My partner Kay highly recommended HDA over 20 years ago when I was looking for someone to oversea my future , investment Isa's , life insurance, bonds and private Pensions

How has Robin Etherington helped you?

Gave impartial advice on suitable options and suggestions of how I should proceed for medium and longer term investments and pension provision.

Have you seen the outcome you were hoping for?

All my financial objectives have been achieved to enable me to have a successful and enjoyable retirement

What could they have done better?

The investment in technology from paper based systems to online access over the last 20 years has been progressive and reasonably easy to understand, even for someone like myself in my 70's.

Robin's reply

Hi Neil, Thanks for leaving a review. I hope you and Kay are both keeping well in these difficult times. Kind regards, Robin

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in London

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

Approaching retirement with numerous small pension pots

How has Robin Etherington helped you?

Examined terms of each pension pot and simplified into a single arrangement

Have you seen the outcome you were hoping for?

Not yet retired

Robin's reply

Many thanks for taking the time David.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Worcestershire

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

widowed when I was 47 and needed to provide for 3 young children

How has Robin Etherington helped you?

Listened to me and understood my thought processes, worries and concerns. Always reassuring and i trust that he knows exactly how best to invest my money to meet mine and my family's current and future needs. I do not lie awake at night worrying, even in the current difficult market conditions. I have a regular review every 6 months, but if my circumstances have changed I contact Robin and we discuss my options.

Have you seen the outcome you were hoping for?

Yes, although recently there has been a blip due to the unprecedented market conditions. Even so, I know that my money is invested across a balanced portfolio, which helps to maximise my returns when times are good, but minimise any losses when times are bad. I am not concerned.

What could they have done better?

I'm afraid I cannot add anything here. I chose Robin after researching 3 other financial advisors, nearly 7 years ago. I was in a very vulnerable place, but as well as offering sound financial advice, I have found Robin to be empathetic.

Robin's reply

Thanks Sarah. I suspect we will have to be patient for a while!

Review from verified client

April, 2020

Overall

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Service

Value

Based in Cardiff

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

Robin was introduced to me by my best friend, who is very financially sophisticated, who had advised him in relation to a defined benefit pension scheme we were both members of.

How has Robin Etherington helped you?

The advice I received from Robin was excellent and different to the advice he gave my friend as our financial circumstances are different. He has been outstanding in a transition on life from having a number of non-executive director positions after full-time employment through the age of 65, he has consolidated my pensions and my wife’s investments in a highly effective manner.

Have you seen the outcome you were hoping for?

Absolutely, I have been delighted with the service provided and the clarity of the position we are now in and the financial plans for the future.

What could they have done better?

There is nothing that I can provide to assist Robin - he has been exemplary.

Robin's reply

Than you Alan. Much appreciated.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

Approaching retirement and wanting to make the best plans for ourselves and for our children

How has Robin Etherington helped you?

Undertook a thorough review of all our assets and then prepared a series of alternative plans based on our attitude to risk and knowledge of the instruments available. We made our choices and then signed up to the new systems and processes, which included an exceptionally easy to use software platform that tracks investments day by day

Have you seen the outcome you were hoping for?

WE have just been through the stock market crash related to covid-19 and the defensive and adaptive strategy protected us from the worst of the market ravages, which is a true test of doing exactly what we wanted

What could they have done better?

We are still quite annoyed that he didn't give us the winning numbers on the lottery when he last met us, something he clearly needs to work on

Robin's reply

Hi Ted, many thanks for taking the time and for your kind words. I'll try harder on the Lottery numbers ...

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Plan the finances in order to retire and investment/ pensions advice. Then best way to draw money in our retirement

How has Robin Etherington helped you?

He advised on how to best save for our retirement. Then checked we could afford to retire and the best way for us to take our pensions plus invest our retirement pot

Have you seen the outcome you were hoping for?

Yes. I am now retired and living comfortably

What could they have done better?

Not sure there is any more.

Robin's reply

Thanks Sue that's very kind of you. I hope you are both keeping safe and well.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Robin was recommended to me following the death of my husband 11 years ago.

How has Robin Etherington helped you?

With investment following receipt of monies after the death of my husband and more recently change of pension following my retirement.

Have you seen the outcome you were hoping for?

This is a long term investment so not applicable

What could they have done better?

N/A

Robin's reply

Many thanks Carol.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

HDA were advisors to us when we had a packaging company for the company pension scheme and then when we sold the company they advised us on investments for the futre.

How has Robin Etherington helped you?

Giving us advise on investments and pension schemes.

Have you seen the outcome you were hoping for?

My investments have proved to make a profit, over the past years, and are ongoing,

What could they have done better?

I dont think that there is anything that could be improved, I always feel able to talk through my concerns and have advice whatever I am worrying about.

Robin's reply

Thank you Hilary for taking the time to give your feedback. Kind regards, Robin

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Mr R Etherington advises me with my pension, salary sacrifice or any other financial matters I wish to raise.

How has Robin Etherington helped you?

In my opinion Mr Etherington is very friendly, approachable and extremely professional always looking after my interests and I totally trust him.

Have you seen the outcome you were hoping for?

Yes my pension continue to grow each year

What could they have done better?

To be totally honest Mr Etherington is always there to deal with any enquiries or worries I have. He is efficient and 9 times out of 10 gets back to me the same day which is very reassuring. I can make an appointment to see him at very short notice and continue to recommend his services to fiends and family.

Robin's reply

Thanks Tina, much appreciated. Always happy to be recommended to family - but I'm not sure about fiends ...:-)

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

I needed to move my company pension into a SIPP and we had several complicated investment packages which needed consolidating, reinvesting and managing.

How has Robin Etherington helped you?

The pension transfer was painless and it, together with our other investments, are now fully managed by Robin and his team

Have you seen the outcome you were hoping for?

The outcome was even better than we anticipated and having everything fully managed means we don’t have to worry. If we have any queries or questions they are just a phone call away and we also have regular reviews to ensure it continues to meet our needs.

What could they have done better?

I can not think of anything he could have done better. He and his team are just lovely, helpful and knowledgeable people.

Robin's reply

Thank you Nigel for your kind words. Very much appreciated. Kind regards, Robin