Reviewed for

Insurance and Protection ( 14 )

Mortgages ( 35 )

Pensions ( 50 )

Equity Release ( 4 )

Retirement income (annuities, drawdown) ( 5 )

Auto Enrolment ( 1 )

Investments and Savings ( 25 )

Pension Transfers - Non Specialist ( 9 )

Inheritance Planning ( 2 )

Pension Transfers - Specialist ( 1 )

Reviewers' assets

£500k+ ( 12 )

£200k - £500k ( 10 )

£100k - £200k ( 7 )

Up to £50k ( 12 )

£50k - 100k ( 6 )

Client reviews

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

Mortgage advice, initially.

How has Rory Joseph helped you?

Rory was clear in his explanations of different options and efficiently arranged everything on my behalf once we had agreed.

Have you seen the outcome you were hoping for?

Yes, very pleased with Rory’s service and I am now consulting with him around further financial matters.

What could they have done better?

No suggestions, very efficient service.

Rory's reply

Thanks Kat! Appreciate it.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

Re new my mortgage

How has Rory Joseph helped you?

Provided advice and found me an appropriate deal

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Rory had great knowledge and customer service, I would highly recommend him

Rory's reply

Many thanks Ciaran, greatly appreciated

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Essex

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

To help manage and grow my investment portfolio

How has Rory Joseph helped you?

Clear, efficient and effective guidance. Rory and the team have helped simplify a cluttered and often confusion market place. This has been crucial in aiding informed and strategic decisions.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

N/A 10 or of 10 service

Rory's reply

Thanks Mike, greatly appreciated

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Hertfordshire

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

Wholesale review of pension situation and planning for the future

How has Rory Joseph helped you?

Gave us the least obviously biased advice of the various people we spoke to.

Have you seen the outcome you were hoping for?

We had no specific outcome in mind and we are in a much better position now than we would have been had we taken no action or followed the recommendations of other individuals.

What could they have done better?

Spoken a bit more slowly at times. It was difficult to keep up and make notes to be able to review at a later date what was said in the meeting.

Rory's reply

Thanks Stuart - greatly appreciated. I shall try to slow down!

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with Rory

Phoned to arrange an initial discussion with Rory but his associate didn't complete the request, another IFA did secure an initial discussion with me and I so didn't chase Rory.

Rory's reply

Dear Clive, thank you for your review. As I stated in my recent email, we unfortunately have six members of staff off (self-isolating), which explains my unusually slow follow up response. However, I am pleased that you were able to find an alternative adviser and I wish you all the best.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Bedfordshire

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

Change of role, mortgage term, pension advice...

How has Rory Joseph helped you?

I have been a customer of Rorys for 20 years. He helps me with all finances and is superb

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. He is superb

First impression from a user who is not yet a client

December, 2019

Overall

Please provide a brief comment about your experience with Rory

Extremely happy with the service provided. Was very clear with everything, very prompt and will use again.

Rory's reply

Many thanks

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Bedfordshire

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

Having left employment of a company and starting my own company I needed a pension.

How has Rory Joseph helped you?

advised on what and how to start my own pension payable from within my company

Have you seen the outcome you were hoping for?

yes, so far so good.

Rory's reply

Many thanks

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Bedfordshire

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

Set up a trust

How has Rory Joseph helped you?

Rory is the financial advisor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Really happy with Rory

Rory's reply

Many thanks

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

I was unhappy with the service, accessibility and cost of my previous adviser.

How has Rory Joseph helped you?

Helped to transfer my pension to a new provider.

Have you seen the outcome you were hoping for?

In progress.

What could they have done better?

I have only been a client of my current adviser since August 2019. So far I have no complaints and the arrangement is working smoothly and well.

Rory's reply

Thanks Mike and absolutely. Once the current turmoil is resolved, I will call you to get a meeting date arranged.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

I wanted to combine several old company pensions with a personal pension,

How has Rory Joseph helped you?

Rory advised which pension scheme would best suit my needs and arranged set up of the new plan and transfer of funds from various other pension schemes.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Bedfordshire

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

Advice for pension and investment as a result of a change in personal circumstances.

How has Rory Joseph helped you?

Advised how to set up a pension pot on my behalf for the future.

Have you seen the outcome you were hoping for?

The pension is for the future so not yet.

What could they have done better?

So far Rory has always fulfilled my expectations of a financial advisor.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

When I was coming up to retirement, I had several Pensions from different companies and wanted to put them all under one "hat". Also, my wife and had some savings and ISA's that we wanted to get a better deal from and therefore went to see Rory Joseph at JLM.

How has Rory Joseph helped you?

Rory laid out a plan for both my pension and our saving's / ISA's in a clear manner which you could understand in layman's terms and was extremely helpful

Have you seen the outcome you were hoping for?

Yes, we have

What could they have done better?

We don't think that in the present climate and with what we want to achieve we could have done any better than what we have invested in

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Bedfordshire

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

It is essential that major financial decisions are led by trained professionals, its a difficult area to research and understand yet so important.

How has Rory Joseph helped you?

Rory has helped us for circa 15 years with critical life insurance, each and every remortgage and pension consolidation. We have always felt incredibly well informed and without doubt have made sound decisions based on his great advice.

Have you seen the outcome you were hoping for?

Every time, yes! I was reluctant to take out critical life insurance originally, but Rory helped me make the right decision. 5 years later I was diagnosed with cancer, thankfully treatable, but so pleased I listened to Rory and took out a policy.

What could they have done better?

Nothing really, I have always had an exceptional service and have happily recommended Rory to many friends, who have all, without exception, had the same experience.

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Rory

Good

Rory's reply

Thank you Sharron

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Rory

Had initial meeting with Rory today and came out with a clear plan of what to do next, what he could offer and clear explanation of charges.

Rory's reply

Thank you Janet

First impression from a user who is not yet a client

July, 2018

Overall

Please provide a brief comment about your experience with Rory

So far so good still early stage

Rory's reply

Thank you Steve

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Rory

Rory was exceptionally helpful. Every time we came up with a hurdle he was quick to identify alternative possible solutions and quick to clarify feasibility.

Rory's reply

Thank you Christine

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Rory

So far very easy to work with and very accommodating. Early days but seems to take a very practical, straight forward approach which suits me.

Rory's reply

Thank you Kate

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Rory

Apart from an initial response saying he would be pleased to do the work for me subsequent attempts to go further received no reply. Adrian Kidd however has been brilliant.

Rory's reply

I contacted Terry immediately to say I would be in touch in a few days. I was unfortunately away at a conference, so I was unable to respond more quickly. When I did get back in touch, when I was back in the office, Terry advised me that he had found an alternative adviser who was able to help straightaway.

Review from verified client

September, 2017

Overall

Value

Service

Advice

Based in Hertfordshire

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

From our mortgage advisor.

How has Rory Joseph helped you?

Tax free pension release.

Have you seen the outcome you were hoping for?

Yes professional, courteous and efficient.

What could they have done better?

Could be a tad lower on price, but then I'm an accountant!

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Hertfordshire

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

We found Rory many years back in looking for a mortgage adviser and have used him every time for mortgages since and more recently for pensions.

How has Rory Joseph helped you?

New mortgages, remortgages and pensions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. He is very approachable, easy joining and a pleasure to deal with. Just don't change.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Hertfordshire

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

Needed advice about a previous company pension I had and a personal pension.

How has Rory Joseph helped you?

Explained all options available to me. Answered any questions I had. Very approachable.

Have you seen the outcome you were hoping for?

Absolutely .

What could they have done better?

I am not sure there was anything else he could have done. I was very pleased with his service.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Essex

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

I was interested to get advice on the "transfer out" of pension scheme that my pension provider was offering having heard from past colleagues that it was a very good thing to consider doing. Approaching retirement age I was keen to realise the maximum from my pension fund and ensure that whatever decision I made was right for me and my family in the long term.

How has Rory Joseph helped you?

I "found" Rory through "Vouchedfor as he was "top of the list" on the site in terms of vacinity and also given my pension fund value. An initial call to Rory made me immediately feel at ease and his telephone manner was extremely relaxing and most importantly in no way "pushy" in terms of tryng to secure my business. In fact he was keen for me to explore other Advisers to ensure that I knew what I was looking for and able to compare. Rory is extremely knowledgeable and demonstrated in the initial phone call and subsequent "no obligation / fee" initial meeting his experience in the field. He made sure that he explained options in a simplistic way and was never phased or frustrated when I did not understand something; in fact he was very patient and tolerant. The outcome was that Rory was able to , assess my needs, risk appetite and then deal direct with my pension provider to transfer my pension funds to a portfolio that provided maximum flexibility, thereby giving me comfort and confidence that I had chosen the right Adviser. What I liked most about Rory was that he has a real passion for client service and has a belief that good client care results in a long term financial relationship with his clients as well as the opportunity for additional referrals, which is absolutely the right way to do business. In addition his fee/rates are extremely good value and competitive.

Have you seen the outcome you were hoping for?

In short Rory has delivered what he committed to deliver for me, kept me updated along the way and was always available to talk to when I needed additional advice or comfort during my decision making process. So far I am extremely happy with what has happened and looking forward to a long professional relationship with Rory and his team.

What could they have done better?

In all honesty I was so happy with how the process went that I cannot think of anything that Rory or his team could have done better. The "Transfer Out" process was handled in an extremely professional way and was very efficient; so much so that I have already recommended a former colleague who is in a similar position to me.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Bedfordshire

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

Retirement.

How has Rory Joseph helped you?

Rory was extremely helpful ensuring I fully understood the options open to me in the short and long term. He also patiently answered all my questions during our meetings and in any follow up contacts he responded immediately.

Have you seen the outcome you were hoping for?

Yes absolutely, I am very happy with the subsequent arrangements that suit me and would highly recommend Rory to others seeking financial advice.

What could they have done better?

Nothing I can think of as the service I received was efficient and quick. A copy of the signed agreement would be useful for my records but I have a draft version so not worried about receiving this.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in South Yorkshire

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

Retirement.

How has Rory Joseph helped you?

Sorted my money and account.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in South Yorkshire

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

I was looking at retiring early and transferring my works pension.

How has Rory Joseph helped you?

came to see me personally and explained everything.

Have you seen the outcome you were hoping for?

definitely.

What could they have done better?

not anything i can think off

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Bedfordshire

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

I was looking to see if it could be worthwhile transferring my fixed benefits pension from my current employer.

How has Rory Joseph helped you?

He went through all the questions relating to my attitude to risk and what I wanted to get out of a transfer.

Have you seen the outcome you were hoping for?

Yes, all monies have been transferred to relevant places. As this only happened a few weeks ago I have not yet looked into any further reports on my new investment.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Hertfordshire

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

Unsure if my pension was doing well.

How has Rory Joseph helped you?

Advised with another pension.

Have you seen the outcome you were hoping for?

Haven't received my first statement yet.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Bedfordshire

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

To review all of my pensions over my working life so far.

How has Rory Joseph helped you?

Rory reviewed all of my pensions and advised what wasn't working for me, he made suggestions would we should do to make the pensions work. great advice.

Have you seen the outcome you were hoping for?

yes, best thing I have done seeking advice from Rory.

What could they have done better?

Nothing , great advice.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Pension advice.

How has Rory Joseph helped you?

He was thorough in explaining the complexity of the options for me, as i struggled to understand. He is very polite and jolly and always has time to talk to me, even if it is the smallest of query.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing. He was spot on. I would recommend him to all my family and friends.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

Age - time for a review, especially following advice given by insurer at that time which I didn't trust. Also I wasn't happy at work.

How has Rory Joseph helped you?

Rory reviewed all my savings, shares and schemes - has moved them into updated plans, saved on tax and enabled me to take early retirement.

Have you seen the outcome you were hoping for?

Definitely and more.

What could they have done better?

Nothing. Rory has been helpful and fully prepared to explain more than once when necessary. I'm delighted with the outcome and that he was recommended to me

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

With retirement looming in the not too distant future we had no idea if our pension provision was sufficient for our needs or if early retirement was a possibility so needed some expert advice.

How has Rory Joseph helped you?

He reviewed our situation, explaining and clarifying our current position whilst offering advice for how to maximise our pension funds in the future. Most importantly he listened to us.

Have you seen the outcome you were hoping for?

It is still in the process of being set up but we are confident that a good outcome will be achieved.

What could they have done better?

Can't think of anything else that Rory could have done. He is always very patient, answering any questions that we have and keeps us fully informed of developments. We are confident that he has our best interests at heart.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Lack of knowledge about financial issues.

How has Rory Joseph helped you?

Very knowledgeable and gave good advice.

Have you seen the outcome you were hoping for?

Yes - thank you.

First impression from a user who is not yet a client

November, 2016

Overall

Please provide a brief comment about your experience with Rory

Hi called and could not contact me. He send email so I respondent with the number he should call but he never called or responded to email.

Rory's reply

I left two messages and sent two emails. I am sorry that we continually missed one another, but would be delighted to help if you still need assistance.

First impression from a user who is not yet a client

October, 2016

Overall

Please provide a brief comment about your experience with Rory

We had a very relaxed and positive meeting. Rory was easy to get on with. He was able to understand and assess my financial position quite quickly. Although the meeting did not result in my giving his practice any work at this time I would certainly consider using them in the future should my present IFA cease to practice.

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

Started a new job and needed to set up a new pension.

How has Rory Joseph helped you?

Rory helped navigate the daunting world of pensions.

Have you seen the outcome you were hoping for?

Rory provided excellent help and support in delivering a pension level I wanted in the future while ensuring affordability today.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Rory

Retirement plan

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

I had several pension plans and wanted advice on bringing them all into one plan. Also, to be reassured on my thoughts about my impending pension.

How has Rory Joseph helped you?

Rory gave me some very special advice and was able to bring the plans together with the minimum of trouble to myself.

Have you seen the outcome you were hoping for?

Unfortunately the stock market has crashed since my new investments, however, this would have happened if I left them with the previous company. This was just bad timing.

What could they have done better?

To be honest, I was happy with Rory's advice and don't really think he could forsee the crash in the stock market, which has resulted in a loss at the moment.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Review of current pension and mortgage provisions due to my husband is retiring this year.

How has Rory Joseph helped you?

He was very good at assessing our needs and providing potential options to meeting the immediate and long term requirements.

Have you seen the outcome you were hoping for?

At the end of the visit had a understanding of the information we needed to provide in the first instant. Understood that until the information had come back from the vendors, he could not make a clear assessment however did understand the this would take time. Pleased he would look deeper than the annual reports and statement provided by vendors. Provided information on the cost of the service and future costs - He was very open about it to make it transparent.

What could they have done better?

- Feed back that he has received all the information both hard copy and electronic and there is no other information outstanding that he will need to make his assessment. - Progress report on where he is on his portfolio review so have an idea of timescales for next stage meeting review

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Essex

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

I wanted to get to grips with my pension and consolidate several pensions into a new one.

How has Rory Joseph helped you?

Rory was very helpful in dealing directly with the Pensions companies that I had. He listened to my requirements and went away to find the best possible new pension to transfer my money to and pay into as a new plan.

Have you seen the outcome you were hoping for?

Everything that Rory recommended suited my needs. He has always been at the end of a phone or responsive via e-mail to any further questions that I had.

What could they have done better?

Nothing .

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

I was retiring and looking to move my pension our of a frozen Final Salary Pension scheme to a more flexible fund.

How has Rory Joseph helped you?

Rory summed up my financial situation very quickly and outlined my options in a concise way. He was clear about the risks of moving my pension and put no pressure on me to make a decision that would benefit him which I appreciated.

Have you seen the outcome you were hoping for?

I am happy with the decision that I made but since the transfer of my pension has only happened very recently, it is still too early to assess whether the product that Rory recommended will perform as we hope.

What could they have done better?

I was fully informed throughout the process so I don't believe that Rory could have done more. He is thoroughly professional and honest and I would not hesitate to recommend him.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Recently made redundant and starting to look at my Financial Situation and my Pensions I have. I wish to start to draw my pension in a couple of years.

How has Rory Joseph helped you?

Advise and help with my old Final Salary Pension and Personal Pension and way forward to secure my Partner.

Have you seen the outcome you were hoping for?

To Early to comment on.

What could they have done better?

To Early to comment on

Review from verified client

February, 2016

Overall

Advice

Value

Service

Based in Hertfordshire

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

Looking for a buy to let property.

How has Rory Joseph helped you?

He found the right mortgage for me.

Have you seen the outcome you were hoping for?

Yes, said property has increased in value.

What could they have done better?

Nothing the service he provided was excellent.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

To change our mortgage to a better rate and look into all our pension schemes.

How has Rory Joseph helped you?

He got us a fab mortgage and has already given us plenty of advise regarding our pensions even though they are all a bit complicated and is helping us change them for the better !.

Have you seen the outcome you were hoping for?

Mortgage complete pensions taking longer as complicated.

What could they have done better?

He could have perhaps had a bowl of sweets on his desk we could have tucked into while we were talking otherwise everything great !

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

I am a first time buyer.

How has Rory Joseph helped you?

He outlined all my options very comprehensively and gave me invaluable advice about the whole buying process.

Have you seen the outcome you were hoping for?

Yes am hoping to exchange shortly.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Re-mortgage on existing property.

How has Rory Joseph helped you?

He found the best mortgage deal for me to bring my payments down. Throughout my re-mortgage he explained everything and gave sound advice around the type of mortgage which would best suit my needs. Everything was clearly explained. Rory also did the same when I moved and then helped me to remortgage to knock 15 years off my current loan which was excellent.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don't think he could do anything different. I keep going back to him and trust him to always get the best outcome for me. He was recommended to me by friends and I in turn have recommended him to others.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Required a mortgage.

How has Rory Joseph helped you?

Provided clear and prompt advice and offered mortgage products that met our requirements.

Have you seen the outcome you were hoping for?

Accepted mortgage from those offered by financial advisor.

What could they have done better?

No, very happy with the service and products offered, would happily recommend JLM again

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

Having tried to deal with the pension provider direct & getting absolutely no-where, we needed to find a financial advisor to give us the various options.

How has Rory Joseph helped you?

Rory Joseph immediately understood what we were trying to do & very quickly met with us to explain the options. Everything was clear and we had the utmost confidence in his skills.

Have you seen the outcome you were hoping for?

Within about 6 weeks of the initial contact with Rory, the product had been finalised, something we had been trying to do with the pension provider for almost a year without any success. Without Rory & his team this simply would not have happened.

What could they have done better?

Nothing - couldn't fault him.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

To review our pensions and wanting to buy a property for our children to rent.

How has Rory Joseph helped you?

He was extremely helpful and honest . We wished we had gone to him earlier. He explains things in a formative and simple way.

Have you seen the outcome you were hoping for?

Not as yet as things are in the process of being put into place.

What could they have done better?

No thing at this present time.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

We were passed Rory's details from a friend and haven't looked back. Top draw.

How has Rory Joseph helped you?

By providing valuable information and guidance on our aim to gain a mortgage, which can be complicated but Rory dealt with our requests seemlessly.

Have you seen the outcome you were hoping for?

Absolutely!.

What could they have done better?

Honestly - nothing. Rory was great and we will use again. Might I add we have already used Rory more than once

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

To remortgage.

How has Rory Joseph helped you?

Thoroughly reviewed our income and expenses to advise affordable mortgage offers available to us. Yes.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No concerns

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

I am a property developer.

How has Rory Joseph helped you?

Helped me find the best finance available suitable for my needs. I have used Rory as a financial advisor for almost 10 years. To build a property portfolio, you need a good financial advisor on your side, and Rory has consistently met my mortgage needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Being a very good financial advisor, Rory is constantly in demand, and is therefore very busy. Maybe have bigger team.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I was trying to help sort out my mothers finances for her. This was an investment and savings enquiry and inheritance planning. I am also considering advice re insurances, pension and retirement for myself and my husband.

How has Rory Joseph helped you?

He arranged for a solicitor to sort out power of attorney, and ISA and a investment account. He visited and explained what he thought would be best for her and was able to answer both hers and my question to our satisfaction.

Have you seen the outcome you were hoping for?

Within reason yes we have. The markets haven't been particularly good this last year, but all is well.

What could they have done better?

Although I know all costs were explained and documents were given to support the information. It was a lot to take on board and I'm not very good at going through anything to read that has jargon in it. Perhaps something more basic in a small bullet pointed leaflet would help support his explainations

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

My husband and I are approaching mid 50's with various pensions, we need to get 'our house' in order.

How has Rory Joseph helped you?

Rory was very helpful and explained everything clearly. We felt confident in his advise and trusted him.

Have you seen the outcome you were hoping for?

Yes, Rory helped is consolidate some of our products and recommended good alternative products.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Essex

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

I have a number of mortgages that needed to be re financed. I also wanted to release equity to purchase additional properties and switch from residential to but to let.

How has Rory Joseph helped you?

Rory was absolutely fantastic in understanding my needs and offering suggestions and solutions. Everything was explained and actioned by Rory and his team and I was kept informed every step of the way.

Have you seen the outcome you were hoping for?

I have seen a better outcome than I could have possibly hoped for. My monthly repayments have almost halved, I have an additional property with no mortgage and I have loner term deals than I thought possible.

What could they have done better?

There is nothing they could have done better, seriously. I have recommended Rory to 4 or 5 family and friends as the service was excellent.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

We were buying a house and needed mortgage advice.

How has Rory Joseph helped you?

He looked at the whole market and best options for us. Went through affordability with us and explained all the aspects we weren't sure about.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

Cannot think of anything

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Essex

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

House purchase / Mortgage renewal.

How has Rory Joseph helped you?

Rory listened carefully to our needs.He took on board our attitude towards risk , our budget, and our monthly expenditure etc. He explained everything in very clear, easy to understand language and he acted very promptly in order to provide mortgage illustrations that might be of interest to us. He has helpfully suggested other products that might be of interest to us (life/ health insurance etc) but he has never been pushy.

Have you seen the outcome you were hoping for?

Yes, we have accepted a mortgage in principle and, as a result, we are in the process of buying a new house.

What could they have done better?

Rory has met all of our needs and expectations.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

Looking for a mortgage and discuss options around this.

How has Rory Joseph helped you?

He advised me on a number of options and gave me updated and a variety of mortgage offers. This will be my second mortgage through Rory.

Have you seen the outcome you were hoping for?

I was very happy with the outcome and the product suited me and my situation.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Re mortgage & pensions.

How has Rory Joseph helped you?

He gave very fair advice which helped my husband & I achieve the best financial outcome for our situation .

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/a

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

recommended.

How has Rory Joseph helped you?

saved me time and money.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Our first house purchase was a whole new territory for us, so we were seeking help on the matter of who to go with for our Mortgage. A friend recommended Rory to us and we are extremely happy that we used Rory for the process.

How has Rory Joseph helped you?

Rory made everything clear in the murky, confusing world of Mortgages. Rory took our requirements and found something that allowed us to not only buy a house, but be satisfied that we were getting a good deal. Everything was clearly explained and most importantly we felt comfortable and reassured throughout the whole process.

Have you seen the outcome you were hoping for?

Absolutely, it has been 2 1/2 years since we bought our house and haven't looked back since! Extremely happy with how things have gone!.

What could they have done better?

n/a

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Change in personal circumstances meant I need to re-assess my mortgage.

How has Rory Joseph helped you?

Rory not only provided advice and guidance as to what options were available, he went out of his way to help and ensure my needs were met. Rory he been my mortgage advisor for some 10 years or so now.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Rory did everything I could have hoped for and was extremely helpful.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Looking for cheaper mortgage and advice on pensions.

How has Rory Joseph helped you?

He found me a better mortgage and gave me advice on my pensions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

No real private pension and the need to get a better return on my savings.

How has Rory Joseph helped you?

Rory was very informative & explained my position & options in simple terms to allow me to understand fully what I needed to do. I did not feel pressured in any way and felt that the advice given was purely for my benefit.

Have you seen the outcome you were hoping for?

Not quite there yet however have another meeting scheduled which I look forward to.

What could they have done better?

To be honest, I got what I needed, perhaps if discussions were in print it would help a little more but very satisfied.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

I have used Rory's services several time over the years for investments and saving but the most recent was for pension and retirement as I am approaching retiring age.

How has Rory Joseph helped you?

Rory provided invaluable advise on investments which allowed decisions to be made as how to invest saving in a safe manner.

Have you seen the outcome you were hoping for?

Not with the recent pension plan as this was only recently put into place however past investments have been achieved and met with our expectations.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Retirement planning and advice neede.

How has Rory Joseph helped you?

He gave me advise on the best course of action to take regarding investment and my personal pension.

Have you seen the outcome you were hoping for?

Yes very much so.

What could they have done better?

Nothing i can think of

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

Requiring a pension as I have left employment and started up my own business.

How has Rory Joseph helped you?

Rory helped me from the first to the last and oversaw each step of the journey.

Have you seen the outcome you were hoping for?

Not yet though I wouldn't expect to just yet.

What could they have done better?

A nice Peppermint tea would have been a lovely accompaniment to the meetings!

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

I needed to consolidate my savings.

How has Rory Joseph helped you?

Helped me find the right mortgage and get my savings on track.

Have you seen the outcome you were hoping for?

Still ongoing.

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Rory

Rory was a lively engaging man. Helped me think straight about my finances but we have met just once so i cannot judge him on his financial skills yet.

First impression from a user who is not yet a client

April, 2015

Overall

Please provide a brief comment about your experience with Rory

Unfortunately i did not have the pleasure to have a full conversation with Rory, i did call him in 2 occasions but in both case it was busy and told me he will call me back , but he did not . Probably he is to busy for new customer. Never mind . Good luck

Rory's reply

Hi Nicola. I have tried to call you and I have sent you a text message. Unfortunately I had to go into hospital for a couple of days after we briefly spoke, hence the slow call back. I would be delighted to help if you could call me at your convenience.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Rory really understands my long term objectives and put in place a very straight forward plan to achieve these in realistic timeframes

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in London

How has Rory Joseph helped you?

Rory is an intelligent, likeable man who was a pleasure to deal with. He explained everything very clearly and gave me a balanced view of the products I was interested in.

What could they have done better?

Nothing

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Rory is extremely knowledgeable in all aspects and makes you feel comfortable and confident in the advice he gives, I have used him for many years and have recommended him to many people.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Surrey

How has Rory Joseph helped you?

Rory was approachable, very knowledgeable in this field and helped to make me feel confident about the pension options that were best suited to me. Rory took his time to understand what I was trying to achieve long-term and, didn't feel rushed in to making a decision.

What could they have done better?

Nothing - I would not hesitate it recommend Rory to all my family & friends.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

How has Rory Joseph helped you?

Rory is an extremely knowledgeable and helpful adviser. He has successfully arranged several mortgages for me over the past 15 years including both residential and buy to let.

What could they have done better?

If we could clone Rory and have 2 of him helping out there it would be great!

Review from verified client

January, 2015

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Rory helped me to make a good decision about my pensions and how best to use these for the time being. To me it was a minefield but he took the worry away and helped me be decisive. Have been very happy with the results.

What could they have done better?

Perhaps a yearly review

Review from verified client

January, 2015

Overall

Advice

Service

Value

Based in London

How has Rory Joseph helped you?

Rory presents comprehensive and detailed advice in a manner that is open, frank and understandable. He is a pleasure to deal with and i am pleased with the advice and products received.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Bedfordshire

How has Rory Joseph helped you?

Rory was helpful and when I explained my situation he understood straight away. I knew what I wanted to achieve and helped sort it all out.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Bedfordshire

How has Rory Joseph helped you?

Rory was excellent and clearly explained to a non financial person what every issue entailed. He could not be more professional or helpful. I am very happy to have recommended to Rory to my colleagues and friends.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Rory made himself available promptly, he takes time and trouble to explore all options for me and always follows up. He is friendly, reliable and his judgements are good and I can always trust that he can find the best outcomes. He is knowledgeable and keeps up to date with all new offers and I would strongly recommend him.

What could they have done better?

Personally speaking I feel he has always found the best solutions for m.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Makes a good meeting. Explains simply without treating me like an idiot. Was up to date with latest information on my pension. Very nice person.

What could they have done better?

Never used an advisor before so I have nothing to compare him to.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Assessing our financial situation, understanding our requirements and providing clear advice on investments

What could they have done better?

Nothing comes to mind

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Totally independent and impartial advice given that was totally relevant to my needs. Through a balanced analysis of my needs and financial situation i received excellent advice but with no pressure to purchase products.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Rory is excellent at giving a bespoke service and is incredibly personable. He's also great at explaining really complex, financial packages in a really easy to understand way.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Hertfordshire

How has Rory Joseph helped you?

Responsive, proactive, professional, charismatic

What could they have done better?

Only criticism is of the general office environment and admin support which could have been better on occasions and did not alwasy come up to the level of service delivered by the adviser himself

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Rory

Have only spoken to Rory by phone, made appointment for January tp discuss nitty gritty. Didn't discuss longer term charges, first discussion is free. So far, most helpful chap!