Gemma Underwood

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

Initial reason 29 years ago was to set up a stocks & shares ISA.

How has Gemma Underwood helped you?

Gemma has helped me with retirement planning and to get a clear understanding of the different retirement age options and drawdown options along with how long my pension would last based on those different scenarios.

Have you seen the outcome you were hoping for?

Yes absolutely.

What could they have done better?

Nothing to add here.

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

Inheritance of an investment fund.

How has Gemma Underwood helped you?

Gemma provides concise yet informative fund performance reviews each year, as well as providing inciteful general advice. I have not yet needed to request any changes to the fund, outside of my annual review meeting, but feel comfortable that Gemma would make the time to help and provide valuable additional support and advice where required.

Have you seen the outcome you were hoping for?

I am very satisfied that the fund I have with Gemma is doing well against market conditions.

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

Hugh Davies Associates were a recommendation by a work colleague when I was buying a house, 35 years ago. They are not the 'here today, gone tomorrow' type of financial planners! This generates reassurance. Nowadays, we are looking to wind down from flat-out working, and Gemma gives that same cheerful confidence that we can do it.

How has Gemma Underwood helped you?

She helped to invest an inheritance from my late mother in tax-efficient ways and has also followed up on that in the next year.

Have you seen the outcome you were hoping for?

Yes, Gemma has outlined a method of pension drawdown. We let her know how much we will need, and she can put it into holding accounts until we actually need to spend it. Again, it is reassuring to know that this method is in place.

What could they have done better?

Some pension information did not show up on the wealth platform after a change of provider, but this was quickly put right.

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

Investing for later life with someone to 'hold our hands' , give us advice and offer us various investment choices.

How has Gemma Underwood helped you?

Gemma and the team have acted on our behalf in all aspects of investment, always pointing out alternative solutions, and the possible negative results to some of our choices.

Have you seen the outcome you were hoping for?

Yes, in these unsure financial times I believe our portfolios are performing well thanks to the selections Gemma and the team have suggested.

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

Uncertainty over pension provision

How has Gemma Underwood helped you?

Continuing pension and investment advice

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

Nothing