Paul Davies

Review from verified client

December, 2023

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

I had a couple of small pensions and wanted to consolidate them and begin saving more towards my anticipated retirement (about 20 years away).

How has Paul Davies helped you?

Paul helped me review my finances, what I could afford to save and also asked questions which helped me reflect and improve my financial planning. For example, updating my will and considering income protection insurance. Paul answered all my questions and explained everything clearly.

Have you seen the outcome you were hoping for?

Yes, Paul has researched the options for my pension and is in the process of setting it up.

What could they have done better?

Nothing.

Review from verified client

December, 2023

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

I had a few pensions which I wanted some advice on and was told to get a financial advisor for some help.

How has Paul Davies helped you?

Paul took all the details of my pensions and advised me of my best options.

Have you seen the outcome you were hoping for?

Yes ,and I’m happy with them.

What could they have done better?

Nothing in my opinion,I’m very satisfied with what has been offered to me.

Review from verified client

November, 2023

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

The office contacted us

How has Paul Davies helped you?

Sorted out my pension in a professional manner

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

First impression from a user who is not yet a client

October, 2023

Please provide a brief comment about your experience with Paul

I have given Paul 5 stars as my whole experience with him from the initial contact was quick, professional and informative. He was friendly and approachable and listened carefully to all the information regarding my current situation and provided me with sound advice that applied to my current financial position. I felt like I was in safe and dependable hands and that Paul would do the best for me.

Review from verified client

June, 2023

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

Required advice on pensions as coming up to retirement age

How has Paul Davies helped you?

Explained my pensions & the options available to me.

Have you seen the outcome you were hoping for?

Pensions still being dealt with

What could they have done better?

No - Everything explained so far.

Review from verified client

June, 2023

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

Needed a advice on a pension.

How has Paul Davies helped you?

Talked though the pension and suggested the options available.

Have you seen the outcome you were hoping for?

We have not yet seen the finished outcome as he is still dealing with the pension.

What could they have done better?

So far I am happy with the way my pension is being dealt with, Paul has explained in detail every step.

Review from verified client

June, 2023

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

I've recently retired and have some long-standing investments which required some attention. I required some advice on how to make my money work for me.

How has Paul Davies helped you?

Paul has provided me with some excellent advice on the way forward with my investments and has been thorough throughout the process. Paul has a very pleasant manner and I would not hesitate in recommending him to others. He has kept me informed throughout and has held several home visits which I have found helpful.

Have you seen the outcome you were hoping for?

Yes, definitely. I feel very comfortable to ask Paul's advice on anything which I don't understand.

What could they have done better?

Nothing as far as I'm concerned.

Review from verified client

June, 2023

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

Improve the return of our investments

How has Paul Davies helped you?

Advised us on what to do.

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

May, 2023

Please provide a brief comment about your experience with Paul

Paul advised me on my pensions and explained a lot of things that I was unsure about, he has been very helpful.

First impression from a user who is not yet a client

March, 2023

Please provide a brief comment about your experience with Paul

A very good first meeting. Paul provided an excellent overview of the services he and Hoyl would be able to provide.

Review from verified client

November, 2022

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

Income after retirement

How has Paul Davies helped you?

Excellent and friendly advice and providing reassurance as to our financial future

Have you seen the outcome you were hoping for?

Haven’t yet received income

What could they have done better?

Cannot think of anything that could have been done better

Review from verified client

November, 2022

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

Having taken early retirement, we wanted to achieve a regular income from investing

How has Paul Davies helped you?

During several meetings, he assessed our circumstances and needs, presented us with a recommended investment plan and subsequently implemented it. Excellent communications and a personalised service.

Have you seen the outcome you were hoping for?

The investment plan will give us the income we require. Paul has provided us with reassurance and confidence in our decisions.

What could they have done better?

I can't think of anything

Review from verified client

November, 2022

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

I needed advice regarding my pensions

How has Paul Davies helped you?

He transferred my Pensions to a new provider with a greater range of investments and better charges.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything

Review from verified client

October, 2022

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

Moving house and advice on insurances

How has Paul Davies helped you?

Paul was very knowledgable. He was always at hand to answer any questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

October, 2022

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

To be advised on insurance products.

How has Paul Davies helped you?

Paul gave clear precise advice on various products and was always available to answer questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

October, 2022

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

A fast arriving retirement age .

How has Paul Davies helped you?

Paul has been advising me on my pension options for last the few years, and always comes across as efficient and knowledgeable, this is extremely helpful, as find the pension scheme complicated and difficult to understand.

Have you seen the outcome you were hoping for?

I have not seen the outcome, I still have a few years before retirement.

Review from verified client

October, 2022

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

I was getting close to retirement age

How has Paul Davies helped you?

Given good advice

Have you seen the outcome you were hoping for?

Not quite. Difficult time at present.

What could they have done better?

Don't think so

Review from verified client

October, 2022

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

I had a query regarding pension figures

How has Paul Davies helped you?

Paul Davies was extremely helpful from the start. Requested a copy of the form and replied without delay. I was pleased with the response time as the form needed to be returned, Paul responded to my email without any delay which enabled me to quickly return the form.

Have you seen the outcome you were hoping for?

Yes, totally I felt the service provided was second to none.

What could they have done better?

The service was faultless

Review from verified client

October, 2022

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

As I had recently retired and had a small private pension that needed advice on.

How has Paul Davies helped you?

He assessed our overall situation and recommended the best option for my pension.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

October, 2022

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

I had an old company pension that was no longer being handled by Zurich so had to look for a company to transfer to. I also wanted to transfer my other pension to the same provider.

How has Paul Davies helped you?

Paul discussed all the options and provided me a much better deal for both.

Have you seen the outcome you were hoping for?

Yes the first year was excellent.

What could they have done better?

I can’t think of anything that I would change.

Review from verified client

June, 2022

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

Retirement looming and pensions dotted around everywhere

How has Paul Davies helped you?

He has collated all investments into a manageable port folio

Have you seen the outcome you were hoping for?

Yes nothing

Review from verified client

March, 2022

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

Nearing retirement

How has Paul Davies helped you?

Honest friendly advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

March, 2022

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

I needed to sort out my finances to provide for my retirement

How has Paul Davies helped you?

Paul was able to explain every stage of the process. He was knowledgeable and patient in explaining things fully to me

Have you seen the outcome you were hoping for?

Yes so far.

Repeat review from verified client

February, 2022

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

How has Paul Davies helped you since your last review?

Yes. Paul Davies has also advised my wife on her pension since the last review and he has also provided advise on an isa between us.

Repeat review from verified client

February, 2022

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

How has Paul Davies helped you since your last review?

Paul has kept me updated with the performance of my drawdown fund and is always a pleasure to talk to.

Review from verified client

October, 2021

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

I was contacted by them

How has Paul Davies helped you?

He updated and modernised my pension scheme.

Have you seen the outcome you were hoping for?

The pension is still being amended

What could they have done better?

The paperwork could have been simplified

Paul's reply

It was a pleasure dealing with you, thank you for your review. Regarding your comments about the simplification of paperwork: I agree that there is a great deal of paperwork, however it contains all the detail that we are required to give you by the FCA and it will be a great reference tool for you in the future. I am however pleased that you felt I explained everything clearly. I will see you again at our next review, when hopefully you will also have moved to your new home (please do not forget to give me your new address). Regards Paul.

Review from verified client

September, 2021

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

I have a small number of investments and needed to have them reviewed and updated where necessary

How has Paul Davies helped you?

Paul Davies went through my investments, income and savings. He suggested moving my current investments into a lower risk category. This is something I feel comfortable with. He came back with recommendations in a written report and went through the details with me

Have you seen the outcome you were hoping for?

Yes. I have made decisions which will reduce my risks but I appreciates that there are always risks in investing.

What could they have done better?

Cannot think of anything at present

Paul's reply

Hi Ruth. Thanks for your positive review of my advice, it was a pleasure dealing with you. I will see you in 12 months time for a review however, if there is anything you need in the meantime, please give me a call. Regards Paul

Review from verified client

June, 2021

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

Finishing work and retirement.

How has Paul Davies helped you?

Full financial review, pension and savings investments

Have you seen the outcome you were hoping for?

Yes, now have piece of mind that all my finances are in place in retirement.

What could they have done better?

Nothing really, very happy with the service.

Paul's reply

Thanks for the review Steve & Lynne, it was a pleasure meeting with you both. I hope you have a long and happy retirement and get to do all the things you were unable to, when work restricted your time. See you every year for your review, but give me a call at anytime.

Review from verified client

June, 2021

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

Retirement

How has Paul Davies helped you?

Transferred pension, arranged pension draw down, arranged Isa savings and provided full financial review.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, entirely happy with all aspects.

Review from verified client

May, 2021

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

Approaching retirement age prompted a rethink of investments.

How has Paul Davies helped you?

Advised on my previous schemes and implemented fresh strategies for future fund security.

Have you seen the outcome you were hoping for?

To soon to comment.

What could they have done better?

Nothing.

Paul's reply

Thanks for the review Gareth. Your Pension will soon be placed in a Portfolio matching your risk profile and will be reviewed on a regular basis. I will be in touch soon, thank you for placing your business with Hoyl. Regards Paul

First impression from a user who is not yet a client

May, 2021

Please provide a brief comment about your experience with Paul

Paul, was friendly gave us plenty of helpful information with no pressure in making up our minds.

Paul's reply

Thanks for your review Brian, much appreciated. Hope to meet with you again after your break, so we can sort out your Investment plans.

Review from verified client

May, 2021

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

I was not happy with the returns I was having from my current pension provider.

How has Paul Davies helped you?

Paul was excellent in helping me through the transferring of my pension,he also kept me up to date every step of the way by email or phone.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not a lot,Paul was brilliant throughout the process.

Paul's reply

Thanks for the review Richard, it was a pleasure to help you with your Pension plans. As arranged we will now meet annually to update. Regards Paul

First impression from a user who is not yet a client

April, 2021

Please provide a brief comment about your experience with Paul

Very informative precise and honest. Paul answered all my questions with knowledge and clarity in a friendly manner. What an asset to your team.

Review from verified client

March, 2021

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

I'm coming up to my retirement and needed advice on the best way forward with my personal pension

How has Paul Davies helped you?

Put it into the best long term pension (drawdown) and also put all my pensions into one big pension

Have you seen the outcome you were hoping for?

Yes I needed some money to help cope with the financial situation I've found myself in due to covid and pauls advise has helped sort everything out

What could they have done better?

Nothing happy with everything that has been done

First impression from a user who is not yet a client

February, 2021

Please provide a brief comment about your experience with Paul

Very good.

Paul's reply

Hi Richard. Thanks for completing this first impression. I will of course clearly cover our charges, when we meet for the first time tomorrow. Hopefully, I will then be able to offer you a clear vision of what your existing Pensions offer and if they can be potentially improved upon. Regards Paul

Review from verified client

December, 2020

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

We were looking to top up or pension schemes

How has Paul Davies helped you?

He was first class! He was very informative and attentive

Have you seen the outcome you were hoping for?

Yes - definately

What could they have done better?

Nothing

Review from verified client

December, 2020

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

Just wanted to ensure my business was in order

How has Paul Davies helped you?

Very knowledgeable and understanding to guide me through

Have you seen the outcome you were hoping for?

Well it's a longer term predicament but I feel happier now

What could they have done better?

I think he covered everything I asked for

Review from verified client

November, 2020

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

I needed to update my Pension and health Insurance as I had lost track of what I had

How has Paul Davies helped you?

Paul Explained everything in terms I could understand, he answered all my questions in a clear and precise manner. He transferred my two Pensions into more diverse funds and saved me on charges. He also saved me a substancial amount on my health insurance premium and got me greater cover.

Have you seen the outcome you were hoping for?

More than I hoped for, especially in these turbulent times

What could they have done better?

I cannot think of anything he could have improved upon

Review from verified client

November, 2020

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

I was disappointed with the annuity income offered by my pension provider so decided to explore other options.

How has Paul Davies helped you?

He is arranging a pension drawdown scheme for me which will provide a greater level of income than that which would be provided by an annuity.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I have been very happy with all aspects of Paul's advice and service.

Review from verified client

November, 2020

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

We had a various pensions that needed combining.

How has Paul Davies helped you?

Paul found us better value pension with a more tailored spread of risks than we had in our existing pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can honestly say I cannot think of anything.

First impression from a user who is not yet a client

August, 2020

Please provide a brief comment about your experience with Paul

Confident with his advise that my pension will be safe.

Review from verified client

June, 2020

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

I have been let down by bad advice in the past and I was wary of financial advisors for that reason. Paul has immediately inspired confidence and has given me some excellent advice.

How has Paul Davies helped you?

Advice on claiming compensation for mis-selling pension transfer. Advice on moving some of my pension into better performing scheme.

Have you seen the outcome you were hoping for?

Still ongoing.

What could they have done better?

Nothing.

First impression from a user who is not yet a client

June, 2020

Please provide a brief comment about your experience with Paul

Very reassuring and helpful

First impression from a user who is not yet a client

June, 2020

Please provide a brief comment about your experience with Paul

Great financial advice

First impression from a user who is not yet a client

May, 2020

Please provide a brief comment about your experience with Paul

Excellent pension and financial advise that was very helpful and easy to understand.

Review from verified client

March, 2020

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

Retiring

How has Paul Davies helped you?

Excellent advice as to how my money should be used and saved and as a result I dealt with Paul

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot fault the advice given. It suited me.

Review from verified client

February, 2020

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

I wanted to consolidate several dormant pensions schemes

How has Paul Davies helped you?

Paul visited our home and explained the process very clearly. He showed patience and an understanding of our needs.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2020

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

Retirement

How has Paul Davies helped you?

Paul advised me on my pensions

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

In my opinion Paul is a first class adviser with very high standards.

Review from verified client

January, 2020

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

Pension performance and income protection

How has Paul Davies helped you?

Yes but not on income protection

Have you seen the outcome you were hoping for?

Yes on the pension but it’s early days. Income protection very difficult to sort

What could they have done better?

Not sure

Paul's reply

Thanks for the review Roy. I am certain that over the years to come you will see the benefits from our active management of your Pension Portfolio and this will translate into greater returns on your investment. We will obviously review your portfolio at our annual meetings Regarding the Income Protection, as you rightly state a lot of work was put into this. Unfortunately as you drive around 35,000 miles p.a. as part of your job, all Insurance companies wanted increased premiums over standard. However you have the figures to hand, let me know if you wish to proceed. Speak soon. Paul

First impression from a user who is not yet a client

January, 2020

Please provide a brief comment about your experience with Paul

Very satisfactory

Review from verified client

January, 2020

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

because the investment i had was no longer being carried on because of bad results.

How has Paul Davies helped you?

He went through all the current investments i had and my current status.He then advised me what was best for me taking into consideration my circumstances and objectives.

Have you seen the outcome you were hoping for?

slow improvement in a short time.

What could they have done better?

nothing i can think of.

Review from verified client

January, 2020

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

Investment for long term returns due to a large balance having been accumulated on deposit that was providing a poor return on deposit

How has Paul Davies helped you?

Paul recommended a bespoke model portfolio approach which has helped provide competitive annual returns (i work it out to be in excess of 7% per year)

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Been available to me 10 years ago - I wish I would have met Paul earlier, as Such my savings would have grown by more due to the extra time it would have been invested

Review from verified client

December, 2019

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

the investment i had was no longer bringing in positive results, so i had to re-invest in somewhere else.

How has Paul Davies helped you?

Paul Davies went through my current in-vestments and we went through what my objectives for the future was taking into consideration my age..He then made recommendation on where to invest, i took his advice.

Have you seen the outcome you were hoping for?

Yes steady growth.

What could they have done better?

very pleased with his advice .Best financial adviser i have dealt with. top marks.

First impression from a user who is not yet a client

December, 2019

Please provide a brief comment about your experience with Paul

Extremely helpful and open/realistic about the options and opportunities available to me with my pension