Andrew Flowers

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

Seeking expert advice on Financial Planning

How has Andrew Flowers helped you?

Over the years has guided us to achieve our financial planning aims taking into account our plans and risk.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, communication is good and advise is always current

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

Wish to plan long term for savings , investment and retirement planning

How has Andrew Flowers helped you?

A multi decade plan that flexes with my family circumstances and change of conditions as both children, parents and assets age.

Have you seen the outcome you were hoping for?

Yes. We are on plan to achieve stated objectives of many years ago

What could they have done better?

Advice to invest in gold.

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

Although I already had investments I wanted to gain independent advice.

How has Andrew Flowers helped you?

Andrew offered an investment platform which had a far greater scope than the one I had previously

Have you seen the outcome you were hoping for?

Despite the volatility in the markets over the last couple of years I have seen my investments grow by a satisfactory degree

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

Tax planning

How has Andrew Flowers helped you?

Devised a strategy to optimise my personal tax position and make plans for my retirement. Additionally, Andrew and the team have helped me consolidate various pension pots into one. Andrew give a great overview of the changing tax landscape and investment options / trends.

Have you seen the outcome you were hoping for?

Yes I am very happy with Andrew’s advice

What could they have done better?

Nothing to add

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

Advice on retirement/pensions and inheritance money.

How has Andrew Flowers helped you?

Andrew’s expertise has guided us on our investments, of which we are delighted.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

To be honest, don’t think there could be anything done better.

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

I needed advice on how to maximise gain from savings that had accumulated over time

How has Andrew Flowers helped you?

By suggesting investments that provided good returns yet took into account the level of risk that was acceptable to me. Regular financial updates and useful market information

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything.

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

Needed to improve the return on our investments. IHT planning advice.

How has Andrew Flowers helped you?

Without doubt. No complaints

Have you seen the outcome you were hoping for?

yes and more

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

Investing a lump sum upon redundancy

How has Andrew Flowers helped you?

Tax-efficient investments put in place according to our risk appetite. The future cashflow model is a very useful review tool. We have received good advice on pension consolidation without Andrew seeking to move funds under his management. We have established a good rapport with Andrew and appreciate his clear communication.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to add at the moment

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

The need to manage finances better for my retirement

How has Andrew Flowers helped you?

A great help - Andrew is able to explain often complex situations in plain English. Our pension fund has consistently outperformed the benchmark norm

Have you seen the outcome you were hoping for?

Outcomes have been far better than expected - I now have no worries about my financial future

What could they have done better?

I used to get a bundle of hard copy reports - but now it is all digital

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

I was nearing retirement and needed to have my savings and investments professionally managed to ensure that my life savings kept pace with inflation.

How has Andrew Flowers helped you?

Andrew has done everything I asked him to do and gave me sound advice throughout my retirement.

Have you seen the outcome you were hoping for?

Yes, I feel safe and confident with Andrew and his team.

What could they have done better?

I don’t feel anything could have been done better, he has guided me through the pandemic and has always provided sound advice, when required.

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

After my husband died, I needed guidance on financial matters, investments and decisions for future savings etc

How has Andrew Flowers helped you?

He has provided different scenarios and based on my risk profile, I have a portfolio which has produced good growth.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am happy with the advice I receive

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

Need for investment planning

How has Andrew Flowers helped you?

Over many years Andrew’s advice and service has been exemplary. I can rely upon him and the Vizion Wealth team to look after my best interests.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Can think of nothing to suggest

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

Needed professional advise on options regarding pensions

How has Andrew Flowers helped you?

Andrew is meeting my goals

Have you seen the outcome you were hoping for?

yes

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

I needed advice on how to access my personal pensions after redundancy & then later on after retirement

How has Andrew Flowers helped you?

How best to invest my pensions to gain the best drawdown figures

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Andrew has been extremely helpful & is always available when needed

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

Planning

How has Andrew Flowers helped you?

Consolidation of schemes and tax advice as well as investment knowledge

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

N/a

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

To seek advice on the best options for drawing on pension pot, then on a regular monthly investment.

How has Andrew Flowers helped you?

Given sound advice on a pension drawdown that would achieve a good monthly income and investment for a lump sum

Have you seen the outcome you were hoping for?

Yes, a completely satisfactory outcome on both pension and investment.

What could they have done better?

From my experience they have performed admirably and always give good advice and guidance when I contact them, always helpful and prompt in responding.

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

Inherited portfolio of unit trusts, stocks and shares on death of mother and did not fully understand the various asset classes and investments and whether or not they were good investments - too occupied to self-manage efficiently

How has Andrew Flowers helped you?

Decided to sell everything and invest in portfolios to be managed by Andrew and his team

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

We were seeking advice on the viability of taking early retirement.

How has Andrew Flowers helped you?

Andrew and his team have provided a managed service for our pension and investment portfolio enabling us to confidently continue to enjoy our retirement.

Have you seen the outcome you were hoping for?

Yes, we are very happy with the returns that we have seen on our portfolio over a difficult economic period.

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

our lack of personal knowledge in the market

How has Andrew Flowers helped you?

more than you can ever imagine - i would not be in the financial position I am now if it were not for him

Have you seen the outcome you were hoping for?

Absolutely, and some

What could they have done better?

nothing - he makes everything easy for me to understand

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

Upcoming pension and the need to review finances

How has Andrew Flowers helped you?

Andrew gives very thorough and comprehensive financial advice

Have you seen the outcome you were hoping for?

Yes we have.

What could they have done better?

Nothing, I always leave feeling that everything has been covered.

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

I need to plan my retirement

How has Andrew Flowers helped you?

Hw has planned my retirement

Have you seen the outcome you were hoping for?

yes

What could they have done better?

not much

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

Pension planning and investment advice

How has Andrew Flowers helped you?

Andrew has put together a portfolio investing my pension fund with the aim of maintaining sufficient income in retirement for the long term

Have you seen the outcome you were hoping for?

I have confidence in the way my portfolio is managed and I’m pleased with how it is performing

What could they have done better?

Nothing. Andrew and the team at VizionWealth are professional, friendly with great communication. Excellent!

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

Planning our Pensions

How has Andrew Flowers helped you?

Brought them all together, advised on investments and created a useful Cash Flow which is reviewed regularly

Have you seen the outcome you were hoping for?

Yes, our finances are on track.

What could they have done better?

Nothing

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

We needed a strategy for retirement, with ongoing support and advice

How has Andrew Flowers helped you?

Andrew has understood our objectives and his regular meetings with clear and thorough explanations reassure us that we are on the right track.

Have you seen the outcome you were hoping for?

Absolutely. We are delighted with the service, and with the expert professionalism with which he handled our daughter's house purchase.

What could they have done better?

Nothing

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

Retirement planning and advice

How has Andrew Flowers helped you?

Given clear but in depth guidance as to the best route forward to achieve our retirement plans.

Have you seen the outcome you were hoping for?

We have

What could they have done better?

None

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

Consolidating our finances, designing and preparing our financial strategy, transitioning to retirement

How has Andrew Flowers helped you?

Giving us a plan that works. Covering all aspects of financial advice, not just investment. Life planning. Reviewing and updating this 6 monthly

Have you seen the outcome you were hoping for?

Yes. We are confident in the plan and the outcome

What could they have done better?

We are happy with the service and the fees are competitive

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

following the death of my husband, I realised I would benefit from some professional help sorting out my finances, and making the best decisions for my future.

How has Andrew Flowers helped you?

He has helped me to look forward long term and manage my money in a more strategic way. I've been able to consolidate investments and appreciate I'm working to a plan rather than my previous ad hoc approach.

Have you seen the outcome you were hoping for?

I feel that I'm on the right track and my affairs are in better order.

What could they have done better?

Unsure, I'm fairly happy with the way things are managed.

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

Sorting out finances and maximising security and income prior to retirement

How has Andrew Flowers helped you?

He manages our entire portfolio

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I am aware of

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

I started a business and needed pension advice having previously been in final salary public sector schemes

How has Andrew Flowers helped you?

Andrew provided me with advice regarding pensions and insurance that has allowed me to meet my retirement aims.

Have you seen the outcome you were hoping for?

Definitely. Andrew was clear that I would not be able to match my public sector scheme benefits and we created a plan that allowed me to retire at the time I wanted with the amount of money I needed. This was regularly reviewed and amended over the eight years I have been a client of Andrew's to make sure that I could meet my objectives.

What could they have done better?

Very little really; I have completely achieved the plan that I created with Andrew in 2015 and we will continue our business relationship moving forward for a number of years.

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

Needed to understand retirement financial planning

How has Andrew Flowers helped you?

Given us confidence in how our future could look

Have you seen the outcome you were hoping for?

Yes so far but early days

What could they have done better?

Nothing so far

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

Retirement

How has Andrew Flowers helped you?

By advising and investing to achieve comfortable retirement income.

Have you seen the outcome you were hoping for?

Yes

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

Closure of the British Steel Pension Scheme, requiring me to take financial advice on my options

How has Andrew Flowers helped you?

Clearly and efficiently examined all of the possible choices I had, presented detailed proposals (with figuires and forecasts) based upon an extensive review of my financial position, attitude to risk and my future goals. He also took the time to answer all of my questions.

Have you seen the outcome you were hoping for?

Yes, I feel my investments are well looked after, we have review meetings twice a year during which Andrew presents detailed updates on performance over the previous six months along with updated projections. He also makes sure there have been no changes in my situation that require building into his forecasts and where there are, they will be fully incorporated into his models at the next meeting.

What could they have done better?

Nothing - a very proffesional service.

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

Our portfolio of multiple pensions was becoming difficult to keep track of so we wanted a specialist organisation who could assist with consolidation where possible and management of the pensions.

How has Andrew Flowers helped you?

Andrew has been overseeing the consolidation and made recommendations on how to manage the final pension position as well as how to invest our pensions for further growth.

Have you seen the outcome you were hoping for?

Yes we have been please with the outcome to date and although we are a few years away from retirement we have been happy with the over benchmark results we are seeing to date.

What could they have done better?

Nothing we are very pleased with everything to date.

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

moving from another provoder

How has Andrew Flowers helped you?

personally andrew has been my advisor for over 15 years and he has guided me through many transitions in my personal circumstances

Have you seen the outcome you were hoping for?

absolutely

What could they have done better?

simplified my affairs without compromising results

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

I needed financial advice

How has Andrew Flowers helped you?

He has given good well thought through advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Upcoming retirement

How has Andrew Flowers helped you?

He has provided excellent advice in a clear and simple manner, and is currently helping me achieve my financial objectives

Have you seen the outcome you were hoping for?

yes

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

Needed financial advice initially, Andrew has been my advisor for a number of years, my last meeting with him was to review performance and other important topic that I required information and advice.

How has Andrew Flowers helped you?

We discussed various topics pertinent to me, not just my financial health, but also inheritance planning, future care objectives and the subject of trusts.

Have you seen the outcome you were hoping for?

Yes, now have a clearer understanding of the above subject.

What could they have done better?

As always I'm keen to keep cost under control.

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

On retirement in 2016 I was looking for a financial advisor to provide guidance and support on the investment of my pension fund.

How has Andrew Flowers helped you?

He has been consistently reliable in investing my pension fund to maintain the capital and have a sufficient income to live comfortably in retirement for the long term. He has carefully monitored my situation and circumstances and offered advice to maintain my capital and income.

Have you seen the outcome you were hoping for?

Yes it is good to be able to leave these matters to the professionals and feel totally comfortable and confident that they are in good hands.

What could they have done better?

I cannot immediately think of anything, I can always contact Andrew and ask questions and get a speedy response so I cannot fault his service.

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

Financial planning

How has Andrew Flowers helped you?

Great advice.

Have you seen the outcome you were hoping for?

Yes thank you

What could they have done better?

Not applicable

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

To advise on our savings and investments

How has Andrew Flowers helped you?

He’s helped in as much as his expertise has allowed us to be confident in the way he manages our finances

Have you seen the outcome you were hoping for?

We’ve been very satisfied with his advice, and outcomes are as expected

What could they have done better?

N/A

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

We had a fair amount of shares and savings and wanted advice how best to invest our money to see us through our retirement

How has Andrew Flowers helped you?

He has given us sound advice and has listened to what we wish to do.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No I don't believe so.

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

wanted to improve returns and have a professional we trust, to advise us.

How has Andrew Flowers helped you?

in all the above- the advice is clear pragmatic and reassuring

Have you seen the outcome you were hoping for?

yes mostly- all good progress

What could they have done better?

-

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

Dissatisfaction with the then existing pension service

How has Andrew Flowers helped you?

Considerably

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Need help with financial investment and planning

How has Andrew Flowers helped you?

All round financial help and expertise.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

Our need to maximise the potential growth of our savings and the need to have an adequate source of income in retirement

How has Andrew Flowers helped you?

Andrew has been able to provide information about a wide range of options that would achieve our objectives. He has guided us in determining an appropriate strategy that achieves our objectives whilst taking full account of our attitude to risk.

Have you seen the outcome you were hoping for?

Yes - the growth of our savings and investments has exceeded expectations

What could they have done better?

Can't think of anything that could have been done better or needed to be better

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

I wanted someone I could totally rely upon to provide excellent advice.

How has Andrew Flowers helped you?

For pension and inheritance advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

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

Reasoning that self help with professional guidance for the long term was more sensible than reliance on state.

How has Andrew Flowers helped you?

Over many , many years Andrew has guided our long term pension and investment plans to enable financial independence by late 50’s.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Stopped global interest rates rising so suddenly….. only joking. Satisfied all round.

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

We were looking to retire early and needed professional support to achieve this.

How has Andrew Flowers helped you?

Andrew has advised us very well in terms of financial planning and has made it possible for us to achievr wsrly retirement with a good level of income.

Have you seen the outcome you were hoping for?

Yes we are now retired and are following our dream to live in France.

What could they have done better?

Nothing in particular.

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

Several years ago we were looking to consolidate our pensions and plan towards retirement.

How has Andrew Flowers helped you?

Andrew made the process easy to understand. Listening to what our plans were and helping us reach them.

Have you seen the outcome you were hoping for?

YES! Early retirement.

What could they have done better?

No, I don't think they could - Thanks Andrew!

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

Expert advice

How has Andrew Flowers helped you?

Financial planning given changing circumstances over 15 years

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

Nothing

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

I had money invested in another platform and wanted to seek a more wide ranging platform via an independent advisor.

How has Andrew Flowers helped you?

Andrew has given me the independent advice and guidance I wanted.

Have you seen the outcome you were hoping for?

In only two years I have seen an increasing value of my assets despite these last two years of global volatility.

What could they have done better?

I don't think I could have received a better level of advice and overall care.

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

Advise on our pension and savings

How has Andrew Flowers helped you?

Andrew’s professional and extensive knowledge has helped us to make the best decision on our savings

Have you seen the outcome you were hoping for?

Definitely and regularly get updates and face to face review meetings

What could they have done better?

Don’t think they could do anything better

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

I needed advice on tax optimization, pension planning, market trends and investment advice

How has Andrew Flowers helped you?

I have been delighted by how my funds have been managed and how, time after time, how my pension investments have routinely performed well over the benchmark

Have you seen the outcome you were hoping for?

Without doubt, I rest easily knowing what the future holds for me and that my investments are in safe hands

What could they have done better?

I used to receive paper copies of review reports which irked me a touch; but now I am pleased to say I receive electronic versions of the reports and supporting documentation.

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

looking for sound financial advise and support on SIP

How has Andrew Flowers helped you?

Yes, provide support in helping meeting my financial objectives. Have full confidence in him and his team which are robust and very professional.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing at the moment.