Reviewed for

Insurance and Protection ( 27 )

Mortgages ( 22 )

Pensions ( 76 )

Equity Release ( 2 )

Retirement income (annuities, drawdown) ( 33 )

Auto Enrolment ( 9 )

Investments and Savings ( 34 )

Pension Transfers - Non Specialist ( 21 )

Inheritance Planning ( 8 )

Long Term Care ( 10 )

Pension Transfers - Specialist ( 25 )

Financial Planning ( 9 )

Financial Mentoring ( 2 )

Financial Coaching ( 4 )

( 2 )

Reviewers' assets

£500k+ ( 16 )

£200k - £500k ( 16 )

£100k - £200k ( 4 )

£50k - 100k ( 3 )

Up to £50k ( 12 )

Client reviews

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Bute

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

How has David Charnley helped you since your last review?

David is always very helpful and has given us great financial advice. We know if we're not sure about some finances we can always contact David for excellent advice.

David's reply

Thanks Annette and Alan, for taking the time to leave a review. Look forward to continuing to help you going forward.

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has kept me updated in my pension

David's reply

Hi Caroline, Thanks for taking the time to leave a review. Hope to see/speak to you soon.

Repeat review from verified client

March, 2024

Overall

Advice

Value

Service

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

Any advice or help David Charnley has always helped me with the questions i have .

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David keeps me updated annually in regards my pension or other financial changes that may have happened since we last had a review.

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has kept contact and advised on my current investments.

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Midlothian

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

How has David Charnley helped you since your last review?

Occupational pension lump sum now invested in a fund which is only available through a financial adviser.

David's reply

Thanks for leaving a review Colin. I take clients comments and feedback very seriously. Thanks again.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David is always friendly, efficient and highly knowledgeable in an ever-changing competitive market.

David's reply

Thanks Alex, for leaving a review. Much appreciated.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has been an invaluable help to me while i ponder while to take early retirement or not. He has helped with my pension, inheritance issues and my financial planning until I reach state pension age. Would definitely recommend him.

David's reply

Thanks Karen.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

My husbands pension was transferred by David and everything went very smoothly.

David's reply

Thanks Janice

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has helped with pension planning and transfer, also worked hard to get a good mortgage arranged for a family member.

David's reply

Hi Dave, thanks for leaving a review. Hopefully we can continue to have a long term adviser/client relationship going forward.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Impending retirement

How has David Charnley helped you?

David provided invaluable advice for myself

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, his service and advice was 2nd to none

David's reply

Hi Ronnie, thanks for taking the time to leave a review, this is much appreciated. I'm glad I could be of assistance and that you are happy with the advice I have provided. I look forward to continuing our professional relationship.

Repeat review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

Insurance and pension

David's reply

Hi Frank, thanks for taking the time to leave a review.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

My wife and I both had change in circumstances and a change of employment where we needed financial advice.

How has David Charnley helped you?

My wife and I had our pensions transferred to new easy to access platforms, David gave us excellent advice tailored to our needs. David also set up new investment ISA's for us and took care of everything end to end with no hassle for us.

Have you seen the outcome you were hoping for?

Everything David committed to deliver has been completed and within the timescales we agreed. David and his team kept us updated regularly, when we had some problems to work through they stepped up and supported us so we didn't have to worry. They quite honestly went beyond what we were expecting.

What could they have done better?

Nothing, we were very pleased with the service we recieved.

David's reply

Hi Iain, thanks for taking the time to leave a review. I appreciate your positive remakes and comments. I look forward to helping and advising you on a long term basis.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Needed help with pension

How has David Charnley helped you?

Setting up pension plans

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Done everything

David's reply

Thanks for leaving a review Bobby, this is much appreciated.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Have always had a financial advisor but never as straight forward and as reliable as David

How has David Charnley helped you?

With our savings and pensions and inheritance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

David's reply

Hi Najma, thanks for leaving a review. I look forward to continuing to advise you.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice

How has David Charnley helped you?

David was informative and helped us at each stage

Have you seen the outcome you were hoping for?

Absolutely, he helped us along every step

What could they have done better?

Nothing

David's reply

Hi Lorraine, thanks for taking the time to leave a review and the comments you have made. I look forward to continuing a long term client/adviser relationship with you and Ronnie.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

IT WAS MAYHEM TRYING TO GET ADVICE ON YOUR PENSION FROM RED TAPE

How has David Charnley helped you?

DAVID MADE IT SIMPLE AND EASY AS ITS DAUNTING TRYING TO GO THRU RED TAPE FOR YOUR OWN MONEY

Have you seen the outcome you were hoping for?

YES VERY MUCH. COULD NOT BE HAPPIER. MATTER RESOLVED IN ABOUT SEVEN WEEKS ALL THANKS TO DAVID

What could they have done better?

EVERYBODY HAS TO GO THRU RED TAPE SO TO GET MY PROBLEM FIXED IN SO SHORT OF A TIME IS ALL DOWN TO DAVID

David's reply

Hi Bob, thanks for leaving a review. Hopefully I can continue to help you in the future.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

As I was approaching retirement age I needed advice on my pensions, inheritance tax planning, and on my investments.

How has David Charnley helped you?

David has helped me with understanding my options in regard to my pension, and whether to take a lump sum and a monthly drawdown. He has advised me on options regarding inheritance tax. And has looked at better options to hold my investments in with better and secure results.

Have you seen the outcome you were hoping for?

Yes, definitely

What could they have done better?

David was very understanding, he listening to my needs, he asked relevant questions, he gave great advice. David could not have done any better, he was fantastic at understanding my needs. And his advice was first class.

David's reply

Hi Karen , thanks for taking the time to leave a review. I've enjoyed being your adviser over the years.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Initially looking for advice on pensions but also other investment vehicles for cash etc

How has David Charnley helped you?

Found a very good pension fund which meets my requirements (growth and eventual draw down) and a good option for my wife's pension situation.

Have you seen the outcome you were hoping for?

Yes. Very pleased with fund performance.

David's reply

Thanks Alan, for leaving a review. Hopefully we can continue to work together to help you achieve your goals.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David helped me to secure a mortgage for my holiday home, which was fantastic as holiday home mortgages are hard to get. Also as i am almost 60, David went through my personal circumstances to see if all my investments are still appropriate for me. He also discussed all my pension options. And did some inheritance planning. David is a very professional and knowledgeable financial advisor and is always available on his mobile for me. I would definitely recommend him to others.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking for advice on pensions

How has David Charnley helped you?

Provided advise and options on what course of action to take

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything done to a high and very professional standard, cannot think of anything that needed improving

David's reply

Hi Marion, thanks for taking the time to leave a review. Your comments are much appreciated. Hopefully I can continue to be of help in the future.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Family investments

How has David Charnley helped you?

David provided advice on what SIPP we could use to purchase commercial property

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We were happy with the advice and support

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Mortgages and insurance

How has David Charnley helped you?

He helped us secure a good deal.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

David's reply

Thanks Shona for you feedback. Its been a pleasure working with you over the years.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Insurance and mortgage.

How has David Charnley helped you?

He was very helpful in setting up my mortgage and life insurance.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I can think of.

David's reply

Thanks Frank for taking the time to give me your feedback.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Mankind decisions for retirement so looking for reliable professional advice.

How has David Charnley helped you?

David has been helpful, professional and efficient, just what I was looking for.

Have you seen the outcome you were hoping for?

Yes.

David's reply

Thanks for taking the time to give this review Margaret.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to find a mortgage as a first time buyer

How has David Charnley helped you?

David arranged the purchase of my first home A few years ago, making the process simple and clear to understand. He also arranged my insurance protection

Have you seen the outcome you were hoping for?

Yes the property purchase was smooth I had no hesitation in going back to David when I purchased my next larger property for my growing family. The mortgage David secured for me was very competitive and I was pleased with the outcome

What could they have done better?

I was happy with all aspects

David's reply

Thanks Brandon for taking the time to give your feedback on my service

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Transfer of pension funds .. setting up a SIPP

How has David Charnley helped you?

David found a suitable SIPP for me to invest with and matched me up with the right people

Have you seen the outcome you were hoping for?

Yes I was interested in purchasing commercial property via a SIPP. This was achieved and I am happy with the outcome

What could they have done better?

My investments were handled well, and I received sound advice

David's reply

Thanks for taking the time to give your feedback David.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with David

David very kindly explained the procedures regarding a pension transfer and passed on information for me to read, which helped me make a decision on what was the best thing for me to do at this time in my life

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

To ensure making the correct decisions for retirement planning.

How has David Charnley helped you?

Ensured we picked the correct financial vehicles for pension growth and draw down.

Have you seen the outcome you were hoping for?

Yes.

David's reply

Thanks for the positive review Alan. I'm glad you are happy with the advice and service we provide.

First impression from a user who is not yet a client

April, 2022

Overall

Please provide a brief comment about your experience with David

Very good meeting with David. Professional and friendly.

David's reply

Thanks for your kind comments Steven much appreciated.

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has contacted me and has done a review of my pension and investments. He has gone through my personal circumstances to see if the investments are still appropriate to me. He took the time to listen to me and give me appropriate advice. He is always available on his mobile if I need to ask him anything. He is very a professional and knowledgeable Financial Advisor and I would definitely recommend him.

David's reply

Thanks for your comments Karen, much appreciated.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with David

David was very kind and helpful, even though I had explained that I have accepted someone else as my advisor

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with David

David was swift to respond to my enquiry and excellent to deal with. Very knowledgeable, experienced and informative.

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David keeps in touch regularly and is always available for advice even out of office hours..I am very happy with the plans David has set up for us and I would not hesitate to recommend him to anyone looking for sound and impartial advice.

David's reply

Thanks for the review Michael, I'm glad you have been happy with my advice and services and that you are happy to recommend me to others. Much appreciated.

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

Kept me updated withheld progress of pension transfer

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

Always up to date with information

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David helped explain current market conditions and potential additional investments and savings - we have pencilled in further review meeting

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David is always caring and always up to date with his information

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Approx 10 years ago wanted to make sure was on the right track re retirement planning and other investments

How has David Charnley helped you?

Reviewed and combined personal pension plans in better products and suggested good investments for liquid funds (stocks and shares ISA's etc)

Have you seen the outcome you were hoping for?

Yes

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has kept in contact with updates to any changes in our financial situation which has been excellent especially during these difficult times.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

Continued support and advice

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

I continue to rely on David for pension advice. I am also considering further investment planning.

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

Helped understand the pension .

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Wanted to understand more throughly my options about pension prior to retirement.

How has David Charnley helped you?

David took time to throughly explain my financial options and supported me with pension drawdown.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing everything was done well.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

He was the financial adviser with the company I worked with and i was looking for pension advice

How has David Charnley helped you?

He dealt with all my questions and helped with all my paperwork and forwarded it all on to the pension company

Have you seen the outcome you were hoping for?

Yes everything I asked for has had a successful outcome.

What could they have done better?

To be honest do not think they could have done anything better

David's reply

Thanks for your positive feedback William, its much appreciated.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David is very knowledgeable and helped me to sort out my pensions together with investments for my future. I found David to be a very professional and knowledgeable Financial Advisor and would definitely recommend him to friends and colleagues.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension transfer/investment due to retiring

How has David Charnley helped you?

David took the time to explain fully all my options and risks involved. Best options to suit my needs for the future and listened to what my thoughts and concerns were, making me very confident going forward with him.

Have you seen the outcome you were hoping for?

So far very pleased with the outcome in my first year.

What could they have done better?

I am very happy with my dealings with David and would recommend him to family and friends who may require his services.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has David Charnley helped you since your last review?

David has continued to help with buildings and life insurance. More recently he has advised on private pension.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

We were looking to transfer my husbands pension

How has David Charnley helped you?

David took the time and explained all our options fully to make sure we understood what was the best decision for us

Have you seen the outcome you were hoping for?

satisfactory

What could they have done better?

Nothing any questions we had David was able to answer and were very pleased with the outcome and would have no hesitation in recommending him to any of our family who needed financial help

David's reply

Thanks for your kind comments guys.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Probably getting a mortgage which was a long number of years ago.

How has David Charnley helped you?

He helped us get the best mortgage available for us. Excellent interest rates and more importantly advice.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing in my opinion. We were delighted with the advice and outcome.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Help with above selection

How has David Charnley helped you?

Identifying appropriate organisations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Currently satisfied- no issues

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Help with the items selected

How has David Charnley helped you?

Identified appropriate organisations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

What’s been done to date has been satisfactory

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I have been a client of David’s for many years and have always been given exceptional service.

How has David Charnley helped you?

Recently he has helped me transfer my pension.

Have you seen the outcome you were hoping for?

Yes, the advice I was given was excellent.

David's reply

Thanks Lorraine, for completing the review and your comments

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking for advise on what would be the best pension for myself and my wife

How has David Charnley helped you?

David explained the different pensions taking his time to make sure we understood everything he was telling us

Have you seen the outcome you were hoping for?

We are still in the process of seeing this happening

What could they have done better?

There isn’t anything that our advisor could have done better at this time

David's reply

Thanks for your review and comments Alistair.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed professional advice on SIPP

How has David Charnley helped you?

David did an excellent job and saw the deal right through to the end

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

As far as I’m concerned he did exactly what I asked him to do

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

understand my investments

How has David Charnley helped you?

Yes he made it more clear and easy to understand

Have you seen the outcome you were hoping for?

I have seen a better outcome than I was hoping for

What could they have done better?

He has given me the best advice and made me understand

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Was looking to invest

How has David Charnley helped you?

He offered sound advise.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Im very happy with David’s services.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Banks not doing very well

How has David Charnley helped you?

Independent advice and good guidance...

Have you seen the outcome you were hoping for?

Was doing ok until coved 19 came on the seen....

What could they have done better?

All advice was straight to the point and tailored to our requirements.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Needed financial advice

How has David Charnley helped you?

By finding the best insurance and investment plan for me

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing he is very knowledgable about my future plan

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

As a company owner I was looking to invest money for me and my families future

How has David Charnley helped you?

David provided detailed information and helped me set up the right pension. Also provided access to good savings and investment products.

Have you seen the outcome you were hoping for?

Yes, really happy with the pension and investment bond.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Recommend by family when I needed a financial advisor

How has David Charnley helped you?

Helped with pension and savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He could not have done any better

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking for advice regarding personal pension transfers

How has David Charnley helped you?

David gave me excellent advice on transfer and other pension queries David explained the options to me in a professional and understanding manner. David explained without using too much jargon so that I could make the correct choices.

Have you seen the outcome you were hoping for?

Yes, a very good outcome

What could they have done better?

I was very happy with the service David provided.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

My husband contacted David about 5 - 7 years ago regarding our retirement planning.

How has David Charnley helped you?

David has advised us on pensions, investments and tax planning

Have you seen the outcome you were hoping for?

Yes. Pretty much.

What could they have done better?

Not really. Very happy with services.

Review from verified client

May, 2020

Overall

Value

Service

Advice

Based in Lanarkshire

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

I first approached David about 5 - 7 years ago (partly on recommendation) as I was approaching the latter stages of working life and wanted to make sure my pension planning was optimised and other savings were working hard enough.

How has David Charnley helped you?

He advised of better pension vehicles and tax efficient pension advice and suggested some investment methods (stocks and shares ISA's etc).

Have you seen the outcome you were hoping for?

In the main yes (particularly the pension vehicles).

What could they have done better?

My only slight concern would be that I often have to generate the contact.

David's reply

Thanks Alan. I will endeavour to makes sure I contact you first going forward. Usually it would be annually.

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

I wished to withdraw money from my pension pot.

How has David Charnley helped you?

David advised me how to transfer funds. How much tax I may pay how withdrawals may affect my future income and how to manage this

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cant think of anything off hand.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I turned 55 and was looking to take 25% tax free pension

How has David Charnley helped you?

David helped a great deal in making me understand what I was doing

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

David couldn't have did anything any better he explained everything to me that I needed to know

David's reply

Thanks Caroline for your comments.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to transfer my company pension to have more control over my pension.

How has David Charnley helped you?

He gave me good advice and assisted with the transfer.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think he could have done anything better.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in West Lothian

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

I am self employed and as such I needed expert advice on finding the right pension. I also have a property letting company and required mortgage/lending advice. David has a wealth of knowledge and expertise on theses issues.

How has David Charnley helped you?

David has worked with us for years, from initially setting up a pension plan. To helping us acquire more properties for our portfolio, with finding the best deals from a wide variety of lenders. To more recently, helping us change our original pension into a SIPP.

Have you seen the outcome you were hoping for?

My husband and I have definitely have benefitted from Davids advice and knowledge over the years. And hopefully for several more years to come.

What could they have done better?

There is nothing David could have done better? He is always at the end of a telephone for advice and guidance. And he makes a point of keeping in touch on a regular basis, to ensure we have the best advice/deals at that current time.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking for advice regarding personal pension transfers

How has David Charnley helped you?

David gave me excellent advice on transfer and other pension queries David explained the options to me in a professional and understanding manner. David explained without using too much jargon so that I could make the correct choices.

Have you seen the outcome you were hoping for?

Yes a good outcome.

What could they have done better?

I was very happy with the service David provided.

David's reply

Thanks Ellen much appreciated

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension transfer and mortgage renewal advice.

How has David Charnley helped you?

Advised on both and also looked at investment planning.

Have you seen the outcome you were hoping for?

Yes - although we should probably review more often and look for other opportunities especially around investments and savings.

What could they have done better?

No - he was able to offer additional services but we were not in a position to take these up at the time.

David's reply

Thanks Lori. I'll contact you to arrange a meeting

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I am nearing retirement age and myself and my husband are hoping to buy a retirement property on the Isle of Bute, so I was looking for advice on my state pension and short term mortgage.

How has David Charnley helped you?

David was very helpful and talked me through what i should receive with my state pension and also gave advice on short term mortgages.

Have you seen the outcome you were hoping for?

I can now go forward with the advice i was given to look forward to buying a retirement property.

What could they have done better?

I can honestly say i don't think David could have given me any better advice.

David's reply

Thanks Annette, much appreciated

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Starting my own business, I wanted advice on best approach to take on pensions and a financial health check

How has David Charnley helped you?

After reviewing from a holistic standpoint he advised on a particular pension which would be flexible as my circumstances changed. Reasons why were documented.

Have you seen the outcome you were hoping for?

It’s long term, but certainly going in the right direction

What could they have done better?

No constructive suggestions other than keep doing what he is doing.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed someone who I could trust with my finances and who understood money management

How has David Charnley helped you?

He took time to understand my finances and financial needs and commitments. He has helped me with many different requirements

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - he has been very patient and pro-active over the years.

David's reply

Thanks for your comments Julian much apprecaited

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking for advice on my options re frozen pensions with previous employers.

How has David Charnley helped you?

David met with me and listened to my questions and fully answered each question fully. David then explained that he would go away and check the details I had given him re my pensions and look at the best options open to me. David arranged to meet me face to face to explain my options once he had located my frozen pensions. He even located a pension I had forgotten I had. He carefully discussed these options and explained the best outcomes for me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

In my dealings with David, I find it difficult to fault David.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

My employers were putting all staff into private pension scheme and i needed advice as i had an old pension from former employer .so had to know best path to take dealing with new and old pension ..

How has David Charnley helped you?

Gave good advice and helped make it easier to understand

Have you seen the outcome you were hoping for?

So far .yes .

What could they have done better?

Nothing ..Happy with service .

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Planning for retirement and mortgage advice also planning for my childrens future

How has David Charnley helped you?

Setting up my mortgage, giving advice on pensions and setting up a fund for my children so they have income for college.

Have you seen the outcome you were hoping for?

I have dealt with David for over 10 years and have always been happy with the outcome.

What could they have done better?

I Can't complain about the service I've received. If I have never understood something or need particular information David has always been prompt in the delivery of that information. David has always been on hand to offer support either by phone or face to face when I have needed help. He has also very prompt when I have made enquiries via email.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

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

pension requirements

How has David Charnley helped you?

he was extremely helpful on specialist advise around pension advise

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I HAVE SOUGHT ADVICE FROM DAVID BOTH PERSONALLY AND IN MY BUSINESS FOR PENSION & MORTGAGE

How has David Charnley helped you?

DAVID HAS LOOKED AFTER MY PENSION FOR OVER 10 YEARS AND HAS ADVISED ME EVERY STEP IN REGARDS TO THE MANY CHANGES TO PENSION RULES AND DETAILS ALONG THE WAY, ALSO AUTO ENROLEMENT FOR MY BUSINESS WAS DELT WITH EASILY WITH DAVIDS IMPUT AND GUIDANCE AS THIS WAS TOTALLY NEW TO ME.

Have you seen the outcome you were hoping for?

YES I AM HAPPY WITH THE AUTO-ENROLMENT PUT IN PLACE BY DAVID

What could they have done better?

NOTHING SPRINGS TO MIND

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension

How has David Charnley helped you?

David was thorough in explaining all options available to me, taking time to explain further any queries I had so that I felt fully informed in an area that I’m unknowable about.

Have you seen the outcome you were hoping for?

My plans mean I won’t till I decide to unwind from my current employment.

What could they have done better?

I don’t think anything could have been done better. David has been, and continues to be quick to respond to any questions.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

transferring company pension to access lump sum

How has David Charnley helped you?

David explained everything in a way that was easy to understand and was very thorough with all aspects of providing and receiving information. He helped us to understand something that was pretty alien to us and we now have a much better understanding of pensions and how they work. He always answers emails very quickly and was quick to come back and answer any questions we had. He is very approachable and we were very comfortable discussing our finances with him.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

absolutely nothing

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to transfer out my pension.

How has David Charnley helped you?

David was extremely helpful in explaining the various options available to me, along with the risks involved. David is very experienced in this field and provides very good guidelines in this current economic environment.

Have you seen the outcome you were hoping for?

I am still in the process of working with David to transfer my pension and hope to have a successful shortly in the future.

What could they have done better?

I have no complaints at all about the advice David is supplying to me.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Due to retire

How has David Charnley helped you?

Very helpful explained our options for retirement. Consolidated all our different pensions and advised on what would be the best investment for us.

Have you seen the outcome you were hoping for?

Very happy with the outcome. Had our First year review and pension doing well.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

To transfer pension and get 25%

How has David Charnley helped you?

He helped me get my pension moved and get my 25% tax free lump sum

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Seeking advice regarding transferring from a previous employer's occupational pension into a flexible personal pension as planning for retirement. It was suggested that I try Southern Financial Services and it was David who dealt with us.

How has David Charnley helped you?

David was very professional, patient and understanding not only of my needs also my wife's needs and explained everything in plain English which helped me make my decision to make the transfer.

Have you seen the outcome you were hoping for?

Yes, transfer finalised and my wife and I would have no hesitation in recommending David to family, friends and anyone else looking for a Financial Adviser.

What could they have done better?

Can't think of anything.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was considering transferring my Occupational Pension from a previous employer to a more flexible alternative. My son suggested that I contact Southern Financial Services as his current employer is a Southern Financial Services client.

How has David Charnley helped you?

David provided me with his help, information and advice which I required to make my decision to make the transfer.

Have you seen the outcome you were hoping for?

To date outcome has been achieved in terms of the transfer currently being dealt with at this time. Work in progress, as still in early stages with regard to new pension provider performance. Not yet retired therefore have not yet taken any retirement income/lump sums,

What could they have done better?

To be honest, unable to think of anything that David could have done better. David provided me with an excellent service at all times. He made himself available by land line, mobile and e-mail and responded and dealt with matters in a prompt, courteous manner. He also accommodated my appointment times for me in order to suit both parties which was very much appreciated..

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking for financial stability in future years with personal pensions. Investing in Property and required Mortgages, Insurance and protection.

How has David Charnley helped you?

David searched the market place for various options to us as both were classed as self employed and our applications were not always as straight forward as most as we were purchasing run down properties which didn't have the best of home reports. Hasn't failed us yet!

Have you seen the outcome you were hoping for?

Yes, very much so

What could they have done better?

Nothing different for us. Clear and smooth transactions every time.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Lothian

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

Preparing for retirement

How has David Charnley helped you?

Following a thorough review of my current financial status and pensions portfolio David advised on various options available to me and provided working examples. After further discussions he prepared a plan that best suited my needs and discussed with me in great detail before actioning the plan on my behalf.

Have you seen the outcome you were hoping for?

The plan is in the very early stages, however, I am satisfied with the current status.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Knowing nothing about financial services and having been conned in the past Re endowment mortgages I was fortunate enough to have David recommended to me. I found him to be very professional, patient and explained things in a language I understood. I would have no hesitation in recommending David.

How has David Charnley helped you?

Secured me the best pension available for the funds that I had.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing that I'm aware of.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

This is offered through my employer

How has David Charnley helped you?

David was very good at explaining the pro's and con's of options that I wanted information on regarding my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Midlothian

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

When my wife and I bought a new house in 2003 our solicitor recommended Southern Financial Services to assist us in finding the right mortgage for us.

How has David Charnley helped you?

David found us a good deal which allowed us flexibility in our repayments which meant when interest rates when down, we were able to keep our repayments at the same cash level and even increase them, ensuring we paid our mortgage off a few year early, no doubt saving us a few grand in the process.

Have you seen the outcome you were hoping for?

Yes. Paying off the last mortgage early has allowed us to trade up by moving house in our early to mid 50s rather than paying off the mortgage in our mid to late 50s and being unable to trade up.

What could they have done better?

Not sure, as I have been happy with the service David provided for us.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Lump Sum from Pension

How has David Charnley helped you?

Impartial advice. David was really helpful

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing David’s advice was spot on

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to find out what my pension options were

How has David Charnley helped you?

David went through my circumstances step by step and made me feel comfortable and under no pressure.

Have you seen the outcome you were hoping for?

Yes I have seen the results and I am perfectly happy with the outcome i

What could they have done better?

I don’t think David Charnley could have done any better, in my eyes he is a true professional and knows his field.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

At the time I was looking to move house and required a Morgtage

How has David Charnley helped you?

David helped secure me a competitive mortgage, at a time when getting a mortgage was proving difficult. He also arranged life and critical illness insurance. Since then I have have taken mortgage advice from David's

Have you seen the outcome you were hoping for?

Yes, we still have the products that David arranged for us,

What could they have done better?

David is very approachable, he listens to our individual requirements and put in great effort to get the best for us

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I along with my business partner started our own construction company 14 years ago and required financial advice on various matters.

How has David Charnley helped you?

David gave detailed advice on various investment and saving options along with providing advice and assistance with my personal pension (past and present). He also helped with setting up our company pension scheme for all employees. David also made himself available to personally meet with any employee that wished to discuss any financial queries and provide pension advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to be honest!

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Fife

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

Looking for life insurance cover Requirement for pension advice and transfer.

How has David Charnley helped you?

Researched the market for me, gave me options and clearly explained benefits and risks associated

Have you seen the outcome you were hoping for?

Not yet as policies are new

What could they have done better?

Nothing, I had a very pleasant experience conducting my business with David Charnley

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

My company needed auto enrolment set up. I needed pension and life insurance policies and a remortgage

How has David Charnley helped you?

David was great. He listened to what I had to say and what I needed. He then gave me a couple of options and recommended what was best for my needs and my life style.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing, David was a great help and a great listener.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

To help with Pension advise.

How has David Charnley helped you?

Pension planning and also previous Mortgage.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

David has always been available when needed, and given good advise.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Dunbartonshire

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

All of above that I have ticked

How has David Charnley helped you?

David helped us to achieve compliance , financial cover and work within our projections

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't know if David could have been better , possibly if we had provided him with more time and further information this may have helped us all

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Purchase of a home, and everything needed alongside it.

How has David Charnley helped you?

David has been a trusted adviser in our family for years. He helped me find the best mortgage provider and both buildings & life insurance.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Fully satisfied.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Transfer pension

How has David Charnley helped you?

David gave me some very helpful advice helped me with all forms and anything I wasn't sure about was so helpful

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing helped me in everything