Thomas Ham

Review from verified client

April, 2023

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

Investment advice

How has Thomas Ham helped you?

an excellent advisor both to myself and client I have recommended

Have you seen the outcome you were hoping for?

Yes, the service and advice are always excellent

Review from verified client

February, 2023

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

What to do with retirement lump sum. How to ensure my investments were tax-efficient tax-efficient.

How has Thomas Ham helped you?

Expert financial guidance. Optimised tax efficiency for investments. Inheritance tax planning. Realistic advice.

Have you seen the outcome you were hoping for?

Generally yes.

What could they have done better?

Can't think of anything.

Review from verified client

February, 2023

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

Recommendation from a friend who is also a client of Tom's

How has Thomas Ham helped you?

Tom has helped in many ways. Provided valuable advice on investments and planning for retirement. He is always available to answer what even seems like the simple questions. Nothing is an inconvenience to him. The client/customer is his priority

Have you seen the outcome you were hoping for?

We have not reached the end point yet but the work already started is beginning to bear fruit.

What could they have done better?

Nothing in my opinion. As I have said Tom and everyone else at Calton Wealth are always available to provide advice and help where required

Review from verified client

February, 2023

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

My previous financial adviser left a lot to be desired, as this page can be viewed I will not go into details suffice to say he was not doing the job he was paid for

How has Thomas Ham helped you?

Tom has put my pension on a more sound footing, I have every faith in him and I know he always works in my best interests

Have you seen the outcome you were hoping for?

These are very difficult financial times but with Tom's help my pension pot has not depleted very much at all.

What could they have done better?

As I am not an expert in this field this is a difficult question to answer but I have had 3 previous advisers and Tom has performed better and his advice is always sound.

Review from verified client

February, 2023

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

I was not confident I had properly assessed my IHT exposure

How has Thomas Ham helped you?

By conducting a thorough review of my estate's finances and reporting my IHT liability together withy measures that could be taken to mitigate it.

Have you seen the outcome you were hoping for?

I have seen the outcome I was expecting really but Tom provided an alternative option for my consideration.

What could they have done better?

Found me a better alternative, but I'm not sure one is available.

Review from verified client

February, 2023

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

We needed help in navigating us through our finances going into retirement and also planning regarding inheritance tax

How has Thomas Ham helped you?

We discussed our financial requirements, Thomas helped us by organising our thoughts and setting out financial plane

Have you seen the outcome you were hoping for?

Yes. Some suggestions we have already put into place, others not yet but possibly in the near future.

What could they have done better?

No, I really don't think so.

Review from verified client

February, 2023

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

Retirement planning.

How has Thomas Ham helped you?

Set-up a SIPP and arranged for my pension funds to be transferred. Advised on and arranged investment in selected financial instruments.

Have you seen the outcome you were hoping for?

It has been a tough few years in the financial markets, but pleased to say that things are now beginning to look a bit more positive.

Review from verified client

February, 2023

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

I sold a house and wanted to invest the money.

How has Thomas Ham helped you?

Thomas directed me to the best way to invest and set up the investments.

Have you seen the outcome you were hoping for?

Yes. To a great extent.

What could they have done better?

I am not sure.

Review from verified client

February, 2023

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

I had lost a bit of confidence in my previous advisor.

How has Thomas Ham helped you?

Tom has reorganised my investment portfolio and is very good at explaining how everything works.

Have you seen the outcome you were hoping for?

Up until the recent uncertainties (Covid and Putin invading Ukrainian) yes. Considering all that is going on in the world just now, still not too bad.

What could they have done better?

In the current economic climate, I don't think so.

Review from verified client

January, 2023

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

Deferred member of a DB scheme looking for financial advice

How has Thomas Ham helped you?

Tom looked at my financial situation in great detail along with my retirement objectives and goals before making me a recommendation

Have you seen the outcome you were hoping for?

so far i definitely have but have yet to reach retirement age.

What could they have done better?

absolutely nothing, the service was top class

Review from verified client

January, 2023

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

Pension Advice

How has Thomas Ham helped you?

The setting up of transfer of pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

At the moment due to Covid ,our national economy and the Ukrainian/Russian conflict? I’m happy with the results .As my investment is long term and Tom keeps me informed I understand the situation.

Review from verified client

January, 2023

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

More complexity that I could deal with.

How has Thomas Ham helped you?

He's consolidated assets and offered sensible advice as to future planning.

Have you seen the outcome you were hoping for?

Too early to tell, only been a client 18 months.

What could they have done better?

Not much really.

Review from verified client

January, 2023

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

I was nearing early retirement and wanted to understand my options and the processes involved

How has Thomas Ham helped you?

Always very clear explanations. Moving my pensions in to one provider. Regular reviews that suit me, whether at the house or online. Always available ad helpful.

Have you seen the outcome you were hoping for?

Yes, now just waiting on the financial markets to improve.

What could they have done better?

A very, very minor point would be to consider the number of communication and personal details storage options there are, email, pfp, fundment etc

Review from verified client

January, 2023

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

I was looking for advice and plan to move out of a company pension scheme.

How has Thomas Ham helped you?

Very helpful and managed the whole pension transfer process very successfully. Since then Tom has given excellent advice, managing my pension portfolio safely through some major world market events.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No.

Review from verified client

January, 2023

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

Thinking of retiring

How has Thomas Ham helped you?

Very much so

Have you seen the outcome you were hoping for?

Yes in a positive way

Review from verified client

January, 2023

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

Initially , seeking advice on transferring out of DB pension scheme then agreeing subsequent investment allocations.

How has Thomas Ham helped you?

Tom’s advice , recommendations and follow up actions are first class. He is open , friendly , actively listens and acts in a thoughtful utterly professional manner.

Have you seen the outcome you were hoping for?

So far, yes.

What could they have done better?

Nothing springs to mind.

Review from verified client

January, 2023

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

At retirement I needed advice on how to structure my pensions.

How has Thomas Ham helped you?

Tom advised on a defined benefits scheme I had, and also on a private pension fund. I followed his advice and am happy with the outcomes.

Have you seen the outcome you were hoping for?

So far, given the difficulties over the past two years, I’m happy that the fund is performing as well as it is.

What could they have done better?

Ongoing performance statistics on the website would be helpful.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Thomas

Thomas is a wealth of knowledge and a very approachable, and trustworthy.

Review from verified client

October, 2022

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

I needed to make my money work harder for me!

How has Thomas Ham helped you?

Tom opened my eyes to the fact there is more than just putting you money into a savings account.

Have you seen the outcome you were hoping for?

I am still learning and Tom has been been great in checking in with me. Making sure I keep on top of my finances and that I am continuing to save and invest wisely both for my future as well as the present

What could they have done better?

For me they have done everything I could hope for. So nothing.

Review from verified client

October, 2022

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

Complex nature of legislation and personal circumstances.

How has Thomas Ham helped you?

Detailed analysis of issues and options enabled me to reach rational and optimal tax efficient solutions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not obvious to me.