Dean Fermie

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

Bad experience with previous advisor

How has Dean Fermie helped you?

He said it would make money and it has

Have you seen the outcome you were hoping for?

at the moment yes

What could they have done better?

nothing

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

My initial work with Dean was for my Private Pension provision. Due to his amazing financial skills we have used more of his services.

How has Dean Fermie helped you?

Dean has been fundamental in our review of our finances and a number of required activities following a change in our circumstances.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

I can't think of anything that could have been done better. I would rate Dean as one of the most knowledgeable and professional Financial Experts I have ever work with.

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

Consolidating pensions on retirement which was when I appointed my previous IFA who later retired and his business was taken over by Quilter. Dean was then assigned as my IFA.

How has Dean Fermie helped you?

Kept my pension funds on track and helped with managing tax free withdrawals.

Have you seen the outcome you were hoping for?

Yes in line with expectations.

What could they have done better?

Nothing I can think off from Dean but accessing funds from Quilter takes too long and is unnecessarily repetitive.

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

My late age.

How has Dean Fermie helped you?

Dean is open, honest etc. But I do not know about the outcome of my pensions until I retire. Dean tells me my rejection for annual income during retirement but I still worry as I am single.

Have you seen the outcome you were hoping for?

I wanted millions, but had to be realistic

What could they have done better?

Nothing.

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

After retiring, I realised I needed professional advice to manage and invest my retirement fund effectively. I wanted to ensure my finances were optimised for growth, sustainability, and tax efficiency throughout my retirement years.

How has Dean Fermie helped you?

Dean has expertly managed my pension investments, ensuring steady growth while keeping a close focus on tax management to minimise my tax burden. He provides regular reviews and ensures I stay informed about my finances. I also have access to Quilter’s app, which provides instant updates, graphs, and evaluations of my funds, giving me additional reassurance and insight.

Have you seen the outcome you were hoping for?

Yes, my pension fund has grown under Dean’s management, and I feel reassured that my finances are secure and well-structured. I was particularly concerned about the tax implications of my retirement decisions, but Dean’s expertise in tax management has been invaluable. He has likely saved me a significant amount of money through his careful and professional approach.

What could they have done better?

I can’t think of anything I would want done better. I feel that Dean’s service has been exceptional, and I have no suggestions for improvement.