Graeme Melrose

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

I was looking for ways to invest to maximise my pension on retirement

How has Graeme Melrose helped you?

Yes - Graeme recommended a Stocks and Shares ISA with a healthy rate of interest

Have you seen the outcome you were hoping for?

Yes - my money invested has gone up even though I was a cautious investor

What could they have done better?

Nothing as Graeme also helped me transfer my small pots of pension from prior jobs into one pot

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

I was due to retire early and spoke with a colleague at work who had received advice from McCrea Financial Servicing

How has Graeme Melrose helped you?

Graeme has given my wife and I excellent advice and peace of mind

Have you seen the outcome you were hoping for?

Yes we have seen the benefits of our advice although as we are aware investments do go up and down.

What could they have done better?

I don't imagine they could have done any better. Excellent service.

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

My pension assets were starting to become significant and ever more complicated, so my wife recommended Graeme as she had been a client for some time.

How has Graeme Melrose helped you?

Graeme has helped explain anticipated pension benefits and helped me protect the fund that had built up. He has also helped with planning for school fees and IHT planning.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I think Graeme's advice and service has been first class, exactly what I need.

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

I have used an adviser for many years on the basis that no one can be on top of every game. I was a high earner who was looking to grow my own savings at a more advantageous rate than traditional bank savings rates.

How has Graeme Melrose helped you?

A specialist is worth paying for and I would say I have been the recipient of consistently good advice tailored to my particular needs.

Have you seen the outcome you were hoping for?

Yes I would say that I have. I have a diverse portfolio which will be resilient to global financial events, as much as any can, and hopefully give a decent return.

What could they have done better?

Not much. I think the close partnership of clients and advisors is an excellent part of the business and the access to specialist people for the public is first class.

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

I initially sought a financial advisor to help us manage my finances, especially as I was going through various stages of life and employment. With different pension pots from past jobs and a growing need to balance my savings and investments, I realised that expert advice would help ensure my financial decisions were sound and aligned with my long-term goals.

How has Graeme Melrose helped you?

Graeme has been an invaluable resource in sorting out our pension pots for my husband and I, especially as they’ve come from multiple employers over the years. He’s provided guidance on how to best consolidate these funds and ensure we were making the most of our retirement savings. Additionally, he has helped us manage our savings and investments in a way that allows us to make withdrawals for essential family and home-related expenses without jeopardising our future financial security. His advice is always tailored to our personal circumstances, which makes it feel like a truly bespoke service.

Have you seen the outcome you were hoping for?

Yes, we’ve definitely seen the outcomes we were hoping for. Graeme’s advice has given us confidence in our financial decisions, and we’ve been able to access the funds we need for important expenses while still planning for the future. The pension management has been streamlined, and we’re comfortable knowing we’re on the right track for retirement.

What could they have done better?

Honestly, we’ve been very satisfied with Graeme’s service over the years. If we had to point to anything, perhaps a bit more frequent check-ins during times of market volatility or changes in our personal circumstances could be helpful. But overall, his guidance has been top-notch, and we feel well-supported.