Reviewed for

Insurance and Protection ( 27 )

Mortgages ( 1 )

Pensions ( 97 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 65 )

Auto Enrolment ( 2 )

Investments and Savings ( 110 )

Pension Transfers - Non Specialist ( 27 )

Inheritance Planning ( 55 )

Long Term Care ( 1 )

Pension Transfers - Specialist ( 21 )

Financial Planning ( 78 )

Financial Mentoring ( 18 )

Financial Coaching ( 9 )

Reviewers' assets

£500k+ ( 46 )

£200k - £500k ( 16 )

Up to £50k ( 3 )

£50k - 100k ( 6 )

( 2 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Managing my capital

How has Andrew Flowers helped you?

Given me lots of reassurance and good advice

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Alison, It's been a pleasure working with you over the last 12 months in implementing your retirement strategy. Feel free to contact me at any time in between reviews if you need my assistance. Regards Andrew

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Review of pension and financial planning

How has Andrew Flowers helped you?

With financial planning and pension advice

Have you seen the outcome you were hoping for?

Yes and plenty of new areas to explore.

What could they have done better?

I don’t think so

Andrew's reply

Dear Tony, It's been a pleasure working with yourself and Carole over the last few years and helping you work towards your planned retirement. I'm looking forward to hearing all about your future travels that you have planned. Regards Andrew

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Optimising my tax position

How has Andrew Flowers helped you?

Yes absolutely - we agreed a strategy for pension saving and investments, wills and estate planning etc - Andrew has been my FA for approaching 10-yrs now and I rate him very highly.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing of note - Andrew is very good at talking in plain terms and answering any questions that I have. I would certainly recommend him and the Vizion team.

Andrew's reply

Dear Andrew, Thank you for taking the time to leave your feedback. It's been a pleasure working with you over the last few years to work towards an early retirement. I look forward to meeting up again soon. Regards Andrew

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Investment of money

How has Andrew Flowers helped you?

Financial & retirement planning

Have you seen the outcome you were hoping for?

In general yes, timing is everything in this market.

What could they have done better?

Nothing really, we’re pleased with his services

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I felt my money was standing still and wanted better advice.

How has Andrew Flowers helped you?

He made my business tax efficient and helped me plan for retirement.

Have you seen the outcome you were hoping for?

Yes, the growth has been excellent and I am more confident that I am investing in the correct way.

What could they have done better?

Nothing

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Nottinghamshire

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

After losing my fiancé I was after investing his pension ones that was left to me.

How has Andrew Flowers helped you?

Andrew is always keeping me up to date with my investments, he has a wealth of knowledge & puts the terms in plain English. Always ensuring I have a clear understanding. Andrew is very approachable & has a kind nature and is passionate in what he does.

Have you seen the outcome you were hoping for?

Even though it’s still early days, the outcome I have seen so far I am very happy with. Thank you

What could they have done better?

Nothing, everything has been great from the very start.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Property sale

How has Andrew Flowers helped you?

Investing

Have you seen the outcome you were hoping for?

Yes

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

My own lack of knowledge regarding tax efficiency.

How has Andrew Flowers helped you?

With detailed advice and a financial model which ‘tests’ the robustness of my Finacial plans for the future.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Richard, I appreciate taking the time to complete our review. It's been a pleasure working with your family over the years and helping you transition to retirement. If you feel there is anything extra we can do to add value to your situation, do not hesitate to call or email. Regards Andrew

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

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

I was appointed a Trustee and Executor to a family Trust and Wills

How has Andrew Flowers helped you?

Andrew has made extremely clear all stages in the process of executing and setting up Trusts.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

It’s difficult to pin point any areas for improvement

Andrew's reply

Dear Tony, Many thanks for leaving the review and the positive comments. It is much appreciated and helps us in forming our future services to clients. Regards, Andrew

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Lincolnshire

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

Pensions and financial

How has Andrew Flowers helped you?

Pensions and health insurance

Have you seen the outcome you were hoping for?

Excellent service and very professional with the pensions on target financially

What could they have done better?

Nothing,, everything is good

Andrew's reply

Dear Stuart, Many thanks for taking the time to leave your glowing review. Its been a pleasure working with you and ensuring your retirement and protection strategy remains on track for the future. We look forward to working together in 2024. Regards, Andrew Flowers

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I left full time employment with a good pension and needed to ensure that my self employed income could be deployed to provide for a safe retirement.

How has Andrew Flowers helped you?

By ensuring there was a solid base to my financial planning to meet my goals; by reminding me of the importance of an appropriate level of protection in self employment through various insurances - without ever giving a hard sell for any specific policy; on at least two occasions by providing me with advice that resulted in paying less tax or ensuring that my National Insurance contributions were at the required level; by providing me with other contacts in the financial planning world (e.g. for capital gains tax advice) who have proved to be very helpful. And of course by having a good chat about skiing, dogs and holidays!

Have you seen the outcome you were hoping for?

Yes. I asked Andrew to help me plan for about ten years of work before being able to access my retirement savings - turned out to be nine years of work and can access my retirement savings exactly as planned.

What could they have done better?

Not sure there is anything obvious - I have found my interactions with Andrew and the team at Vizion Wealth to be excellent.

Andrew's reply

Dear Thomas, It's been a pleasure working with you since 2015 to focus on your early retirement strategy. It's great to see the strategy come to fruition and I look forward to continue working with you as you enjoy your retirement adventures. Regards, Andrew Flowers

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Derbyshire

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

Needed help to consolidate pensions & general financial planning for the future

How has Andrew Flowers helped you?

Sorted out all our 'messy' finances including numerous pensions

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing

Andrew's reply

Dear Diane, Many thanks for taking the time to leave your positive feedback. It's been a real pleasure working with yourself, Nigel and of course Jean over the last 15 years and working towards your retirement plan. I look forward to meeting up again in 2024. Regards, Andrew

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Lancashire

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

Pension Planning

How has Andrew Flowers helped you?

Over 10 years

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Julie, Many thanks for taking the time to leave your positive feedback. It's been a real pleasure working with yourself and Andy over the long term and helping you transition into partial retirement. I look forward to meeting up again shortly. Regards Andrew

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We were in need of some guidance to help plan for our future.

How has Andrew Flowers helped you?

Providing us with solid and sound advice on the markets and services Vizion Wealth provide. Its always a pleasure to listen to Andrew, who has the experience you need from a trusted advisor.

Have you seen the outcome you were hoping for?

As our plan stands, we are on track to achieve our retirement financial goals.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Northamptonshire

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

I was retiring and needed a good FA to look after my pension pot.

How has Andrew Flowers helped you?

He has ensured that my pension fund is invested in the funds which suit my risk profile and has met my required level of return every time. He has been very flexible in his approach, allowing me to reduce or increase withdrawals as suited my particular needs, but all the time maintaining the recommended level of capital investment.

Have you seen the outcome you were hoping for?

Indeed I have, I feel totally secure with the service I get from Andrew Flowers.

What could they have done better?

I cannot think of anything.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement and how to consolidate pensions.

How has Andrew Flowers helped you?

Put in place a regular pension income from managed investments while retaining a pension pot that can be passed on to heirs. Helped with planning income to control tax payments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing springs to mind.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Northamptonshire

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

pension fund and investment

How has Andrew Flowers helped you?

set up appropriate arrangements

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Excellent financial experience

How has Andrew Flowers helped you?

On all financial matters including inheritance, financial, pensions, investments and tax.

Have you seen the outcome you were hoping for?

Yes, his advice has proved to be extremely good.

What could they have done better?

Nothing.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I had quite a large amount of money just sitting in bank accounts and very little financial knowledge but knew I needed to put it to some use.

How has Andrew Flowers helped you?

I had several meetings with Andrew discussing what risks I was willing to take and what I wanted in terms of financial security in the future and over four hours (two separate meetings ) he explained various options to me in very easy to understand language (I'm definitely a words not numbers person) and then created a plan for me that fitted everything that I was hoping to achieve without taking more risks than I was willing to take.

Have you seen the outcome you were hoping for?

I've just had my first six month review and I'm very happy with the outcomes thus far. I wish I'd got in touch sooner.

What could they have done better?

I can't think of anything I would improve with Andrew and his team's service and recommend them to others.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

We needed sound advice on how to maximise the return on our existing funds and coaching on investments and IHT.

How has Andrew Flowers helped you?

We have and are achieving our goals.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/A

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We had various amounts of savings and shares but didn’t really know how to make the best opportunities from our savings

How has Andrew Flowers helped you?

Advised us regarding tax implications. How best to maximize our income and investments

Have you seen the outcome you were hoping for?

Yes

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Hertfordshire

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

We needed advice and help to manage our finances

How has Andrew Flowers helped you?

Andrew clearly had a thorough understanding of the various options open to us and was able to provide information that enabled us to make decisions we were confident about.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything has been done well - can't think of anything that could have been done better.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

We needed advice about consolidating existing pensions and general pension advice.

How has Andrew Flowers helped you?

Andrew has been instrumental in helping us achieve our goal of early retirement. He has been so helpful, explaining everything and I would not hesitate to recommend him.

Have you seen the outcome you were hoping for?

Yes, and more!

What could they have done better?

Nothing really

Review from verified client

December, 2023

Overall

Service

Advice

Value

Based in Buckinghamshire

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

I was nearing retirement and decided, rather belatedly, to seek independent financial advice

How has Andrew Flowers helped you?

He has provided tax efficiency advice, which has generated tangible benefits, and guided my financial decisions as I move towards retirement

Have you seen the outcome you were hoping for?

So far, yes.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

I had previously had investments with another firm and felt, at that time, I needed independent advice.

How has Andrew Flowers helped you?

Andrew has been and continues to be very thorough. Andrew looks at everything regarding my finances and how they are handled and continues to pay attention to this. I benefit from regular meetings with Andrew to go over everything to ensure my finances/investments are on the best possible course.

Have you seen the outcome you were hoping for?

Given the past couple of years' problems throughout the world economic climate, Brexit, Ukraine and Russia and now the war in the Gaza strip I have not seen the outcome I was looking for, This will be the view of anyone with any investments anywhere I think.

What could they have done better?

In my personal case, I do not believe Andrew could have done better.

Andrew's reply

Dear Kim, Many thanks for taking the time to review our services. It really does help us understand and form the service we continue to provide to our clients. Regards Andrew

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

The need to secure a defined income during my retirement

How has Andrew Flowers helped you?

Andrew has been a great help in providing advice, explaining the options in plain English and keeping me updated with how my pension is doing and what the future looks like

Have you seen the outcome you were hoping for?

A firm yes. The service I get has exceeded my expectations.

What could they have done better?

Nothing much - I had requested using digital reports rather than hard copy - this was addressed immediately

Andrew's reply

Dear Steve, Many thanks for taking the time to leave a review. It really helps us shape our service for clients and its helps us to understand that you have a full understanding of your strategy. Regards Andrew

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

Support and advice in managing our financial affairs in the most tax efficient manner whilst planning to achieve short and long terms goals.

How has Andrew Flowers helped you?

We have been a client of Andrew for over 10 years and always find that his guidance and advice is appropriate giving our changing circumstances. It isn't a case of one size fits all.

Have you seen the outcome you were hoping for?

Yes, recently I have a health and IHT tax issues so talking to Andrew enables us to best make arrangements that are appropriate moving forward.

What could they have done better?

Nothing. Suggest Andrew keeps going as is. I think understanding what customers are seeking to achieve and taking the time to do so is key.

Andrew's reply

Dear Ian, Many thanks for taking the time to complete a review, it is appreciated. Have a great Christmas! Regards Andrew

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Retirement lump sum

How has Andrew Flowers helped you?

Excellent advice re balanced investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Excellent advice

Andrew's reply

Dear Christine, Thank you for completing our survey and additional questions about the service we provide. It has been a pleasure working with you over many years and we look forward to working together for many more. Regards, Andrew

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

Needed a financial professional who could be absolutely relied upon to provide impartial advice

How has Andrew Flowers helped you?

He has provided expertise, advice and support for many years

Have you seen the outcome you were hoping for?

Absolutely

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Retirement , I needed advice on managing my life savings

How has Andrew Flowers helped you?

He has been able to maintain my living standards through effective management of my savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Andrew's reply

Thank you Paul for a fast and efficient response to our review request. It is much appreciated and we look forward to working together for many years to come. Regards Andrew

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Once retired I realised I needed Professional advice and help to look after the pension pot and maintain that pot to ensure I lived comfortably for the rest of my life. Initially I went with one of the large platform providers, I then realised they are all things to all people. I knew of Andrew so I went with Vizion Wealth, where I have received excellent service and personal care.

How has Andrew Flowers helped you?

He has helped steer my finances, through good and importantly the turbulent times(downside). The resources Vizion are able to employ have kept my investments sheltered during the rocky ride of 2022. The investments are constantly checked and changes made to the funds to ensure any losses are limited but better still the funds grow.

Have you seen the outcome you were hoping for?

Once again 2022, has been a roller coaster ride for investments / funds, so the outcome for this year has been pretty good.

What could they have done better?

Its difficult to judge, I guess we would all like to do better! Maybe be on top of poor performing fund managers and initiate switches more timely

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Desire to plan for the future and maximise on opportunities to pay less tax

How has Andrew Flowers helped you?

Yes

Have you seen the outcome you were hoping for?

Yes. So far so good.

What could they have done better?

I’m happy with all aspects of the service

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

To review the progress of my pension that is being managed by Vizion Wealth.

How has Andrew Flowers helped you?

Giving me a robust review over of my pension funds performance over the last 6 months and validating that it meets my needs for the future.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Nigel, I appreciate taking the time to leave a review and provide your feedback. I look forward to meeting up again in 2024. Regards Andrew

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

During my working days I wanted to supplement my occupational pension with a private one as well as build up an ISA base for tax free income in later life.

How has Andrew Flowers helped you?

Considerably, by consolidating several financial products and suppliers into one platform

Have you seen the outcome you were hoping for?

I have created real independence from occupational pension (thank goodness...) and now have a combination of flexi access drawdown, ISA and General Investment Account assets to draw on.

What could they have done better?

maybe better anticipated the "great rotation" from growth to value stock a while back.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I was recently widowed and needed serious advice on financial planning.

How has Andrew Flowers helped you?

Help with structuring my finances into an understandable system

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Jackie, Many thanks for taking the time to leave a review. I' glad to hear that you're satisfied with the financial planning services provided. It's been a pleasure working with you and your family over the years to achieve your financial goals. Regards Andrew

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

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

security of investments and advice on pensions and trusts

How has Andrew Flowers helped you?

Andrews support and advice has resulted in us being secure and financially stable knowing that we are getting the best from our investments

Have you seen the outcome you were hoping for?

Absolutely - we would not be in the situation we have been in for the past few years had it not been for Andrews help advice and support - latterly, since my husband passed away unexpectedly, he has been phenomenal in his advice support care and professionalism

What could they have done better?

nothing

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

move defined benefit pension to SIPP

How has Andrew Flowers helped you?

facilitated the above

Have you seen the outcome you were hoping for?

yes

What could they have done better?

N/A

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Norfolk

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

We needed to understand whether our financial situation would enable us to retire early.

How has Andrew Flowers helped you?

Andrew has enabled us to put together a portfolio that provides us with the income that we require while minimising our tax exposure. He has provided us with advice and information on ethical investment as well as tax and inheritance planning.

Have you seen the outcome you were hoping for?

We are pleased with the way our portfolio has performed and are grateful for Andrew's financial planning advice that has guided us through a number of significant investment decisions.

Andrew's reply

Dear Mike, thank you for taking the time to complete our survey. It is really appreciated and it's been a pleasure working with yourself and Sandra over the last few years as you've transitioned into retirement. Many thanks Andrew

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Looking to take early retirement and plan for retirement, requiring specialist advice to look at options available to us and assist with information to help our decision making.

How has Andrew Flowers helped you?

We have been a client of VizionWealth for over five years now and Andrew has always been exceptionally helpful, providing detailed information and explaining it in such a way that he has helped us make some critical decisions about pensions and investments which have proven over time to be the right ones.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - excellent service and quality of information and advice.

Andrew's reply

Dear Carole, Thank you for taking the time to complete our regular client survey, it really helps us understand our client views and allows us to tweak our service accordingly. I look forward to working with yourself and Tony for many years to come. Regards, Andrew Flowers Vizion Wealth LLP

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Retirement

How has Andrew Flowers helped you?

Financial planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Andrew's reply

Dear Paul, I appreciate taking the time to complete your feedback. It's been a pleasure working with you and look forward to ensuring you achieve your longer term retirement goals. Many thanks Andrew Flowers Vizion Wealth LLP

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Pension and savings advice

How has Andrew Flowers helped you?

Andrew is approachable, professional, always explains everything clearly and I have been happy with the recommendations and advice given in the planning and implementation of my financial portfolio. I have regular in depth financial reviews and I can access my portfolio online at anytime.

Have you seen the outcome you were hoping for?

Yes. I feel that my portfolio is being effectively managed and is in safe hands

What could they have done better?

Having been a client for 5 years I don’t think there’s anything they could have done better. The Vizion Wealth team are very professional, friendly too - any queries via email or phone are always dealt with courteously and promptly. Highly recommended.

Andrew's reply

Dear Lindsey, Many thanks for taking to time to provide the feedback. It is much appreciated. It's been a pleasure working with you towards your retirement goal over the last 4 years and I look forward to working together in the future. Regards Andrew

Review from verified client

September, 2023

Overall

Service

Value

Advice

Based in Buckinghamshire

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

Retirement and redundancy payment

How has Andrew Flowers helped you?

Andrew is very knowledgable and has always given us very sound advice, listened to and acted on our requirements.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Mick & Wendy, thank you for the feedback. I've really enjoyed working together as you've transitioned into the retirement phase of your life. We look forward to seeing how your retirement and family grow in the future. Regards Andrew Flowers Vizion Wealth LLP

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Reaching retirement age.

How has Andrew Flowers helped you?

Given advice on where on investing and realising my future aims and lifestyle.

Have you seen the outcome you were hoping for?

I am seeing an ongoing project, which I am happy with.

What could they have done better?

Nothing I can think of. Everything is very thoroughly covered and explained in great detail.

Andrew's reply

Dear Richard, many thanks for taking the time to complete your feedback. It is much appreciated and it was nice to see yourself and Anthea. Hopefully catch up soon at a Willen Fund raising event or maybe at the rugby club. Many thanks Andrew

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

Pensions spread out and very difficult to understand

How has Andrew Flowers helped you?

Brought pensions and investments into one portfolio, easy to understand and earning well through the changing markets

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Julie, I appreciate you taking the time to provide your feedback. It has been a pleasure working with yourself and Andy over the years and working towards your retirement. Regards, Andrew

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Outside UK

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

Created a trust for vulnerable relative

How has Andrew Flowers helped you?

Investment and long term planning.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Little

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Sale of property

How has Andrew Flowers helped you?

Explained the financial and investment enviroment.

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Andrew

The Vouchedfor entry for Andrew (or rather Vizion Wealth) says he can provide Specialist Pension Transfer advice. This is not the case.. My contact with Vizion was a complete waste of my and their time....

Andrew's reply

Dear John, We apologise if there was a misunderstanding with the services we provide. As a firm myself and my business partner both hold the pension transfer specialist qualification which is displayed on our Vouchedfor profile. However, due to changes in the professional indemnity insurance market, maintaining an authorisation for defined benefit advice has become near on impossible for smaller independent financial advisers. Therefore, we now partner with larger defined benefit specialist to provide this advice where prospective clients are looking for independent defined benefit advice which was provided to you. We are surprised you have decided to leave a 1 star review in this scenario, however, we have taken onboard your feedback and will remove our pension transfer specialist listing from the Vouchedfor website. Many thanks Andrew Flowers

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Lincolnshire

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

Pension, insurance and savings advice

How has Andrew Flowers helped you?

Help with pensions and financial planning and tax allowances

Have you seen the outcome you were hoping for?

Yes the service has been very good and I feel very happy with all the professional advice and help

What could they have done better?

Nothing really,it's all been as good as it could be in these current political and financial times the world is going through

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Retirement

How has Andrew Flowers helped you?

Retirement planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think so.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Pension/ Financial planning

How has Andrew Flowers helped you?

Providing advice and financial planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Professional advice to enable appropriate financial and retirement planning.

How has Andrew Flowers helped you?

Regular updates and advice on taxation, investments, economic climate etc to enable regular changes to investment portfolio and informed decision making.

Have you seen the outcome you were hoping for?

Positive long term growth seen so far.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement in 2016, and I had a money-purchase pension with my employer and needed a pension package arranging with the lump sum.

How has Andrew Flowers helped you?

Andrew has taken my pension pot and invested it on my behalf, giving me a monthly pension to suit my needs. He provided ad-hoc advice on financial matters, such as IHT and also provides two face to face (currently over zoom) reviews each year where we go through the performance of my investment and any risks and issues and what Vizion Wealth have done to mitigate and protect my pension.

Have you seen the outcome you were hoping for?

Yes indeed

What could they have done better?

I don't believe there is anything that needs improving.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Hertfordshire

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

Our money was all over the place and needed consolidated.

How has Andrew Flowers helped you?

As marked above.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

Thinking about retirement planning and pension consolidation.

How has Andrew Flowers helped you?

Clearly explaining our options Reflecting our risk profile Adjusted our life and critical illness insurance to cover any gaps Consolidated various pensions into a better investment platform to maximise return

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really - very happy with the service

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I was nearing retirement and I needed a low risk plan that would outperform the industry norm

How has Andrew Flowers helped you?

Explained clearly the options available and how my pension investment would be managed to meet my goals.

Have you seen the outcome you were hoping for?

Far better than expected. By allowing to Andrew and his team to make discretionary decisions in real-time on my behalf, they were able to benefit profit from domestic and world events that impacted financial markets and my investments.

What could they have done better?

Difficult to say, Andrew explains things very clearly particularly the changes made to my investments.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

After leaving the corporate environment I wanted some expert support to look at my pension situation and to provide general advice on investments.

How has Andrew Flowers helped you?

Andrew has given me clear and effective advice on the best way to configure my pensions, and provides ongoing support to make sure my investments are performing and consistently outperforming the relevant benchmarks, Andrew has also provided good advice on inheritance tax planning and has overseen the set-up of some bare trusts for my children and grandchildren.

Have you seen the outcome you were hoping for?

So far so good!

What could they have done better?

Some of the regulatory trust administration has been extremely burdensome - not the fault of Vizion Wealth, but it would have been useful if we could have avoided this or done it a different way.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

To ensure that my financial objectives and pension planning were being optimised across a range of investment tools.

How has Andrew Flowers helped you?

I have found Andrew to be a good listener to what we are seeking to achieve over the last 15 years, adapting how our investments are being managed to our changing circumstances both good and not so good.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Andrew's reply

Dear Ian, Many thanks for your feedback, it is much appreciated. It's been a pleasure working with yourself and Julie over many years and looking forward to assisting with your transition to retirement. Regards Andrew

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

I had investments with St.James' Place. I explored the possibility of using an independent Financial Advisor in my local area and decided upon Andrew Flowers of Vizion Wealth. It meant I could see and speak to my financial advisor. Although not entirely unhappy with the St. James Place, I was made aware by Vizion Wealth that my investments with St. James' Place were limited to a smaller availability of investments than those offered by Vizion Wealth.

How has Andrew Flowers helped you?

Enormously. Andrew Flowers (Vizion Wealth) has gone through all of my financial affairs with a fine tooth comb and, more especially, will continue to do so to keep my affairs in order and advise me accordingly.

Have you seen the outcome you were hoping for?

Given the unfortunate global and UK financial situation right now it is not possible to predict. However, I have every confidence Andrew Flowers (Vizion Wealth) are working in my best interests.

What could they have done better?

I offer up no criticism, only praise so far since joining In August 2022

Andrew's reply

Dear Kim, its been a pleasure working with you and thank you so much for taking the time to provide some detailed feedback, it really helps in ensuring we maintain high service standards for all our clients. I look forward to working together in the future to ensure your longer term goals are met. Regards, Andrew

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We were approaching retirement and needed financial advice and an investment manager who was competent and trustworthy.

How has Andrew Flowers helped you?

Andrew has successfully invested our savings , has kept us informed and we feel secure.

Have you seen the outcome you were hoping for?

Andrew has completely done all we asked for, our savings have increased in value, our lifestyle is secure and we feel very confident and safe with him. He has steered us through a very difficult period, with the Ukraine war and covid , minimising the impact on our investments.

What could they have done better?

I don’t believe anything could have been done better .

Andrew's reply

Dear Paul, It's been a pleasure working with yourself and Margaret over the years and ensuring your retirement goals remain on track. Regards, Andrew

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Bad experience with previous advisor which left me feeling vulnerable and distrustful.

How has Andrew Flowers helped you?

Immensely.

Have you seen the outcome you were hoping for?

Yes. I feel confident that his advice has our best interests at the core.

Andrew's reply

Dear Millie, Many thanks for taking the time to leave a review. It's been a pleasure working with yourself and Euan and I look forward to continuing to evolve your longer term financial plan to meet your long term goals. Regards Andrew

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

I needed help with my finances, I knew with the complexities of managing money, it would be better to put this in a safe pair of hand from a trusted advisor, taking out the worry of trying to manage it myself. Obviously we all want our money to grow, but it's having trust in your advisor that is just as important.

How has Andrew Flowers helped you?

I knew Andrew from a previous employ which was a large "supermarket" platform business where my money was invested, yes there was some security in this type of business but it felt you were a number. When Andrew started his own business I waited some time for him to establish, I then migrated over to his company. What was I looking for ? a company who would give a personal touch and make you feel comfortable, one that you believe are honest and trustworthy. One that would keep you informed with updates to your financial position and also supply you with newsletters about the markets and company news about the team. Finally you want to see your money GROW, I get all of this from Andrew and his team at Vizion, a complete rounded service for which I'm very satisfied.

Have you seen the outcome you were hoping for?

Despite the economic challenges of the past year and months my finances are in good order and keeping pace with my initial investments after drawing down, so yes I am happy with the outcome to date. Andrew is building a good company, employing good staff across all disciplines with the right levels of expertise.

What could they have done better?

Not only to keep my fund investments above their various benchmarks, but to challenge Vizion to go one step further to pick funds that would be star performers in their relative fields. To ensure all charges are kept to a minimal.

Andrew's reply

Dear Colin, Many thanks for taking the time to review our service and complete a review. I'll pass your comments on to the team which I'm sure they'll appreciate. I look forward to meeting up later in the year. Regards Andrew

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Surrey

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

Dissatisfaction with my previous pension provider/advisor

How has Andrew Flowers helped you?

Trust and confidence in so much as Andrew has my interests as his first priority

Have you seen the outcome you were hoping for?

Yes but I recognise it's a journey

What could they have done better?

Nothing that I am aware of

Andrew's reply

Dear Stephen, I appreciate taking the time to leave a review. I look forward to working with you in the future and helping you meet your retirement goals. Regards Andrew

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

A need to more efficiently plan for retirement

How has Andrew Flowers helped you?

Sound advice coupled with excellent market knowledge.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Stuart, I appreciate taking the time to complete the feedback, it really is important to us that we understand how you feel about our service standards. We look forward to continuing to work towards your retirement plan. Regards Andrew

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We were looking to retire early and sought advice on the best way to achieve a targeted income from investments and pensions.

How has Andrew Flowers helped you?

We have been working with Andrew and the team at Vizion Wealth for more than 5 years and are very pleased with how our pension and savings portfolios have been managed. Andrew is approachable, professional and provides us with detailed, in-depth financial analysis and advice in a comprehensive manner.

Have you seen the outcome you were hoping for?

Yes. Vizion Wealth have helped us to effectively manage our portfolios though the recent market turmoils.

Andrew's reply

Dear Mike, Many thanks for your review it is much appreciated. We're looking forward to working with you through the next stage in your financial journey. Good luck with the travel plans. Regards Andrew

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

I needed help making my business tax efficient and growing my pension.

How has Andrew Flowers helped you?

Yes, Andrew’s sound advice has saved me money in the financial planning of my business and increased the value of my pension .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NA

Andrew's reply

Dear John, Many thanks for the feedback, it is much appreciated. Looking forward to continuing to work with you in the future to help you achieve your longer term objectives. Regards Andrew

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Dorset

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

We wished to find out if we might be in a position to retire early from our main source of income.

How has Andrew Flowers helped you?

Andrew gave us a clear and exceptionally thorough breakdown of how we were in a position to achieve our aims. His general approachability combined with a detailed explanation of our position gave us the confidence to put our plan in to action. It is refreshing to find an adviser with a no nonsense attitude to explaining charges with full transparency.

Have you seen the outcome you were hoping for?

Despite the recent turbulence in the markets we feel that our investments have been handled with professional expertise and that we are in a good position to achieve our aims. We have been most reassured to know that our portfolio has been in safe hands.

What could they have done better?

The level of contact and approachable nature of the advisory sessions are excellent, and reassuring.

Andrew's reply

Dear Philippa, many thanks for your review. It's been a pleasure working with yourself and Garry in working towards your retirement goals. Regards Andrew

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I wanted to build a plan for retirement

How has Andrew Flowers helped you?

We built a plan and he found the tools to execute that plan

Have you seen the outcome you were hoping for?

I was able to retire 10 years early.

What could they have done better?

Not much

Andrew's reply

Dear Philip, Many thanks for your review, it has been a pleasure working with yourself and your family over the last 15 years and helping the transition for both yourself and Nichola into full retirement. Always a pleasure. Regards Andrew

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lincolnshire

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

Insurance and pension transfer

How has Andrew Flowers helped you?

He helped me with work/health insurance that's provided me with excellent protection and he setup our pensions transfers and then gave excellent investment advice

Have you seen the outcome you were hoping for?

Yes the out come is very positive,we are very pleased

What could they have done better?

Nothing really because all the information and advice is there when we need it

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Financial planning and assistance investing was required

How has Andrew Flowers helped you?

Andrew has always been extremely helpful and friendly, and given his advice in a straightforward and clear way. Implementation of his advice is always efficiently executed. Him and his team are always very happy to help and on hand for prompt addressing of any questions or issues.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Emily, many thanks for taking the time to complete a review, it really is much appreciated. I look forward to meeting up again shortly.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

To prepare for retirement

How has Andrew Flowers helped you?

Regular reviews with concise action plans.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Julie, I appreciate the time taken to leave your review. I look forward to meeting up again soon.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Ii wantedto plan for retirement

How has Andrew Flowers helped you?

He has helped plan a portfolio fo investments that has successfully accomplished the gols the were defined when we began

Have you seen the outcome you were hoping for?

Yes We have been successful

Andrew's reply

Dear Philip, Happy New Year. Many thanks for leaving the review and I look forward to catching up at our next review meeting.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Wanting a long term financial planner for family and retirement

How has Andrew Flowers helped you?

By providing sound advice and a good platform for managing assets

Have you seen the outcome you were hoping for?

Yes, tempered by recent market downturns

What could they have done better?

Anticipated the Nasdaq tech sector sell off.

Andrew's reply

Dear Bob, Happy New Year. Many thanks for taking the time to complete the review. I look forward to catching up shortly and I hope the ski trip goes well.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I had quite a few pension funds and Andrew helped my to consolidate these into a fund which I can have greater control if

How has Andrew Flowers helped you?

He has helped me shape my finances for increased potential growth and to manage my tax exposure

Have you seen the outcome you were hoping for?

100 percent

Andrew's reply

Dear Will, wishing you and your family a Happy New Year, many thanks for the feedback and I look forward to catching up shortly .

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

We felt confused about the options available to us and needed guidance to ensure that we achieve our retirement goals

How has Andrew Flowers helped you?

Andrew has a friendly, detailed approach that put us at ease. A complicated situation was simplified and we are very happy with the financial plan that has been put in place and the ongoing servicing

Have you seen the outcome you were hoping for?

Absolutely, we now have clarity not only about where we need to be to in the future but also how to get there

What could they have done better?

Nothing

Andrew's reply

Dear Nick, many thanks for the review you left over the festive period. I look forward to catching up at our next review shortly.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Investment due to sale of house

How has Andrew Flowers helped you?

Trust in his knowledge

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Sue, many thanks for your review. It's been a pleasure working with you since day 1. Wishing you a happy new year.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

We had previously used a large investment firm to manage our pensions and shares, but had little to no contact from them during the time they held our portfolio. Andrew Flowers was recommended to us based on how well he manages his customers and equally the time he takes to feel you feel valued.

How has Andrew Flowers helped you?

Andrew immediately recommended we take time to meet to ensure our mid and long term investment would provide the retirement we would like. He has steered us away from some of the funds that were delivering little return and also provided advice on insurance products that gave us better piece of mind.

Have you seen the outcome you were hoping for?

Yes, we’ve been delighted with the initial results, even in a market that’s been under pressure.

What could they have done better?

Literally nothing at all.

Andrew's reply

Dear Karl, many thanks for taking to time to leave a review. I hope you had a great family ski trip over Christmas. I look forward to catching up again in 2023.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

To consolidate multiple pensions and optimise my personal tax circumstances

How has Andrew Flowers helped you?

I have consolidated several employer pension schemes into one pool and made enhanced pension contributions. I have also put in place a will and POA.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

I don’t think there is much they could have done differently - very efficient and all very well explained along the way.

Andrew's reply

Dear Andrew, Happy New Year. Many thanks for leaving the review over the festive holidays, it is much appreciated. I look forward to catching up at our next review in 2023.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I became a Senior Manager for a large US technology reseller business, which meant my earnings increased and I needed help and guidance in planning for my retirement.

How has Andrew Flowers helped you?

In lots of areas, from pension consolidation, ISA planning and investing, not only myself but for my family as well, plus the management of my investment portfolio.

Have you seen the outcome you were hoping for?

Yes. Andrew is a SME in his field and always provides open and honest feedback on the markets, and how my investments are maturing.

Andrew's reply

Dear Darren, I hope you enjoyed the festivities over Christmas. Many thanks for the review, I look forward to catching up again soon.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

To invest our savings and retirement pot

How has Andrew Flowers helped you?

With Andrew’s knowledge and professionalism has guided us to make the right decision

Have you seen the outcome you were hoping for?

Yes we have

What could they have done better?

No, we are happy with the advice received from Andrew

Andrew's reply

Dear Kim, wishing you and Bob a Happy New Year. Thank you for taking the time to complete the review, it is much appreciated. I look forward to continuing to work with you in 2023 and beyond.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Choosing a route for pension planning and a savings strategy

How has Andrew Flowers helped you?

Advised on a complete financial strategy

Have you seen the outcome you were hoping for?

Yes in line with financial markets

What could they have done better?

Nothing as far as I can tell

Andrew's reply

Dear Tony, a happy new year to yourself and Carole. I appreciate taking the time to complete the review. I look forward to meeting up again shortly at our next review.

Review from verified client

December, 2022

Overall

Value

Service

Advice

Based in Buckinghamshire

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

Always best to seek expert advise.

How has Andrew Flowers helped you?

Andrew is a knowledgeable chap, after a in-depth probe into our financial situations he seemed to quickly grasp where we could make useful investments.

Have you seen the outcome you were hoping for?

Over the recent years investments have stalled but over the long term reasonable returns have definitely been gained.

What could they have done better?

Shot Putin… & due to Covid, 3 prime ministers in 6 months, it’s all rather turbulent at the present moment

Andrew's reply

Dear Roger, many thanks for completing the review before Christmas, it is much appreciated. I look forward to catching up again at our next review shortly.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

I was retiring from my job with a pension pot for investment in a pension scheme that gave me a regular income.

How has Andrew Flowers helped you?

Andrew took all the worry and concern out of the process and for the last six years has provided an excellent service in ensuring my money is safe and maintaining a good level against the ups and downs of the finance markets.

Have you seen the outcome you were hoping for?

Yes I have, my investment is in safe hands and I'm receiving the income that enables me to do the things I want in retirement.

What could they have done better?

I am completely satisfied with the service.

Andrew's reply

Dear Sally, many thanks for your glowing review, it really is much appreciated. It's been a pleasure working with you and Peter. Wishing you a Merry Christmas and Happy New Year.

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has Andrew Flowers helped you since your last review?

Andrew continues to provide a high quality professional service in a friendly and helpful manner, we have been very pleased with the advice given.

Andrew's reply

Dear Chris, I appreciate you taking the time to complete a feedback review for us. Wishing you and your family a Merry Christmas and Happy New Year.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Retirement saw my income reduced and I needed a financial advisor to invest my savings ,to provide both growth and security.

How has Andrew Flowers helped you?

Andrew has done exactly what I asked him to do , he has protected our life savings ,whilst increasing its value and steering us through a very difficult period caused by climate change , the Ukraine war and rampant inflation.We were kept informed of any major portfolio changes and have regular review meetings.

Have you seen the outcome you were hoping for?

Yes we have security knowing that savings are in safe hands , minimising losses during turbulent times , and providing growth during normal years that we could not achieve without Andrews professional guidance.

What could they have done better?

Nothing in our view.

Andrew's reply

Dear Paul, many thanks for your review, it is much appreciated. Wishing you and your family a Merry Christmas and Happy New Year and look forward to catching up in 2023.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

Had a portfolio of savings and investments that needed managing

How has Andrew Flowers helped you?

Has always presented sound professional advice and strategies and provided the security of knowing my financial affairs are not just in order, but in safe, knowledgeable hands.

Have you seen the outcome you were hoping for?

Yes

Andrew's reply

Dear Christine, many thanks for your review, it is much appreciated. Wishing you all the best for the festive period.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Mistakes from previous FA

How has Andrew Flowers helped you?

Providing total family advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Andrew's reply

Thank you for the review Euan, it is much appreciated and we look forward to working with yourself and Millie in the future.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

Andrew was recommended by my parents

How has Andrew Flowers helped you?

The service provided is to a high standard and he is professional, friendly and honest.

Have you seen the outcome you were hoping for?

The overall outcome has been better than expected

What could they have done better?

Nothing

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

A variety of reasons but mainly planning for the future for our children and myself and my wife.

How has Andrew Flowers helped you?

Fantastic insightful service. I feel extremely reassured knowing that Andrew and the team are looking after our financial planning. Highly recommended.

Have you seen the outcome you were hoping for?

To this point, definitely.

What could they have done better?

Nothing

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

I was looking to optimise my income tax position and consolidate 3 legacy work pensions

How has Andrew Flowers helped you?

Andrew at Vision helped me navigate the self assessment criteria and he made recommendations around pension contributions. My annual meetings are always helpful to check progress and I think my pension pot is a lot bigger than it would have been without the advice.

Have you seen the outcome you were hoping for?

Yes - better than expected

What could they have done better?

Nothing to comment upon really

Andrew's reply

Thank you Andrew, it has been a pleasure working with you towards your long term retirement goals.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

On planning my retirement in 2016 I had a lump sum from my company pension scheme to invest for future growth and income. Having looked at 3 companies that provided this service, Andrew Flowers stood out against the other two firms.

How has Andrew Flowers helped you?

Andrew Flowers and the team at Vizion Wealth have provided me with a totally professional and approachable service, which means that I feel confident and comfortable putting my hard-earned cash in their capable hands. Highly recommended by me and my husband who also uses Vizion.

Have you seen the outcome you were hoping for?

Yes, definitely, I have been totally satisfied with the service received over the last 5 years and continue to have confidence that Andrew and his team will provide a highly professional service going forward.

What could they have done better?

There are no areas of disappointment.

Andrew's reply

Sally, many thanks for your comments, we really appreciate it. We look forward to working with Peter and yourself for many years to come.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I received a redundancy payment and I needed to prepare better for retirement. I also needed advice on how to be tax efficient

How has Andrew Flowers helped you?

I have always found the team at Vizion Wealth professional, respectful and reliable. The advice I receive is clear and useful. Complex tax and investment arrangements are explained in depth in a manner that I can fully understand. I always feel my pension is in safe, and that arrangements maximise the the growth in my pension pot! The twice-yearly face-to-face review is informative and changes explained clearly. I also started a consulting business and Andrew's advice on tax, share structure and what can and can't be done was valuable and proved to be correct - I was set on the right path from the very start.

Have you seen the outcome you were hoping for?

Certianly, yes. The tax advice and the management of my pension fund has more than paid for the services from the Vizion Wealth team. My pension fund has consistently outperformed industry norms. Even during the unpredictable period due to Covid, my fund has continued to perform well with no adverse impact.

What could they have done better?

In the early years I was issued with a comprehensive written report and the update of my personal circumstances was done manually. In the last couple of years Vizion Wealth have migrated to on-line reports and access to a protal where I can update my circumstances and run what-if scenarios. This has been more time efficient for me and I can access my financial plans in real-time without having to trouble the team at Vizion Wealth.

Andrew's reply

Thank you Steve, it's been a pleasure working with you to achieve your retirement goals.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We were looking to take early retirement and needed advice to enable us to optimise our pensions and other investments and to implement a plan.

How has Andrew Flowers helped you?

We are very happy with the service provided by Andrew and the team at Vizion Wealth. They are professional and approachable, providing us with regular comprehensive and in-depth financial reviews as well as advice on tax planning, investment strategies and portfolio management.

Have you seen the outcome you were hoping for?

We can confidently say that working with Vizion Wealth has been the best financial decision we have ever made.

Andrew's reply

Thank you Mike, it's been a pleasure working with yourself and Sandra over the last few years.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

Size and manageability of investment portfolio and need for independent, regular overview of financial position.

How has Andrew Flowers helped you?

I have complete confidence in the advice and service provided by Andrew and have been extremely grateful for his invaluable support and guidance over many years. I have no hesitation in recommending him and his professional team at Vizion Wealth.

Have you seen the outcome you were hoping for?

Absolutely

Andrew's reply

Thank you Christine, your kind comments are much appreciated and it has been a real pleasure working with you over many years.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

A combination of getting old and the dawning realisation that I needed to take action to secure a comfortable retirement and a complicated situation that required professional guidance

How has Andrew Flowers helped you?

Andrew is extremely professional and very personable. He really took the time to understand my needs and I couldn't recommend Vizion Wealth highly enough

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

No complaints whatsoever

Andrew's reply

Thank you Nick, the comments are much appreciated. I'm looking forward to working together to ensure you meet your aspirational retirement goals in the future.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Derbyshire

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

Needed a total overhaul of finances and planning for the future

How has Andrew Flowers helped you?

Excellent advice and service from the team of experts at Vizion Wealth. Have the utmost trust and confidence in them to manage our finances and investments. Always reliable and available and explain things in terms that are easy to understand. Have recently gone above & beyond to provide financial information needed for a complex probate case. The team really take their time to understand your position and objectives going forwards and come up with ideas and solutions to maximise investment growth. Very impressive IHT & pension planning and pro-active portfolio management. As well as being incredibly knowledgeable, they are a really friendly team; an absolute pleasure to deal with and so grateful they were recommended to us.

Have you seen the outcome you were hoping for?

Yes and more!

What could they have done better?

I don't think there's anything they could have done better, we are delighted with all aspects of their service

Andrew's reply

Dear Diane, many thanks for your kind comments, its been a pleasure working with you and your wider family over the last 15 years to help you achieve your long term goals.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

Pending retirement

How has Andrew Flowers helped you?

We have been using Vizion Wealth for retirement planning and investment successfully for a few years now. From the very first meeting Andrew and his team have been professional and clear about our options. The quality of the information, verbal and written, is superb and allows us to understand and feel confident in this often complex area. Would highly recommend.

Have you seen the outcome you were hoping for?

Yes. We are able to understand and feel fully involved in decisions and investments based on information provided, and have seen a good return on investment.

What could they have done better?

There are no suggestions I would make at this time.

Andrew's reply

Thank you Carole, it's been pleasure with with yourself and Tony towards your retirement goals.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

I found that I had a number of pension pots, no long term plan and little knowledge of how to invest for the future. I needed someone that had a proven track record and that could be trusted.

How has Andrew Flowers helped you?

I've been a customer of Vizion Wealth for many years and have had a first class service. They are professional, knowledgeable and above all trustworthy. Their advice has stood me in good stead, I would thoroughly recommend them to anyone.

Have you seen the outcome you were hoping for?

Absolutely and more. Andrew is careful to set expectations, constantly checking that I understand what we are doing and why. We have a review every 6 months and I am kept uptodate at all times

What could they have done better?

I can't think of anything really.

Andrew's reply

Dear Andy, your comments are much appreciated, it's been rewarding to work with you and Julie and see your long term retirement goals realised.

First impression from a user who is not yet a client

April, 2019

Overall

Please provide a brief comment about your experience with Andrew

Have not used Andrew so I cannot comment

Andrew's reply

Dear Mr Willett, Thank you for your review of our services. I have been informed that you spoke to one of our financial advisers, James Blackham, who explained that I was unavailable for a few days but he was happy to assist. I understand that James listened to your requirements and provided guidance where he could as well as also offering to provide full holistic financial planning advice which we do for all new clients to ensure we provide comprehensive and bespoke advice for each client. I understand this was not the type of financial planning advice you were looking for, however, if you do require further help or guidance, please let us know as we are happy to assist further. Regards, Andrew Flowers

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Enabled us to asses our wealth correctly and addressed our future requirements to facilitate for a long retirement.

How has Andrew Flowers helped you?

Undertook a comprehensive Study of our portfolio of investments, from properties, work income and made useful suggestions of how maximise benefits. Excellent.

Have you seen the outcome you were hoping for?

Whist this is ongoing we are exceptional pleased with results which are reviewed yearly.

What could they have done better?

hard to fault.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

On planning retirement I needed professional assistance to create an overall financial plan - a long term strategy for retirement -drawing on a number of different pension pots and managing future income from pensions.

How has Andrew Flowers helped you?

Andrew undertook a thorough fact find of our financial background and of our specific income needs for the future and created a long-term financial strategy for retirement with recommendations on pension drawdown and use of other investments to achieve the income we specified.

Have you seen the outcome you were hoping for?

I have recently accepted the investment planning recommendations made by Andrew and we are currently implementing the plan. I am pleased with all outcomes so far.

What could they have done better?

I struggle to add anything here.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I needed assessment and advice for my pension and savings

How has Andrew Flowers helped you?

He gave me lots of information about all the different options that were available- explained things clearly and was happy to answer any questions I had

Have you seen the outcome you were hoping for?

Yes - very happy

What could they have done better?

Nothing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

17 years in the British Steel Pension scheme. The scheme closure meant taking life changing financial decisions with little notice.

How has Andrew Flowers helped you?

Presented clear and unbiased opinions on all of my options. Gave me the information I needed to make a decision.

Have you seen the outcome you were hoping for?

Not yet, but pensions are a long term game and the current situation is unusually volatile.

What could they have done better?

Nothing. Andrew even went out of his way to meet me late at his office when work commitments meant I was unavailable during the day.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We had money in all different places but it was not bringing in any real interest to help towards our retirement. We needed an independent assessment of our wealth.

How has Andrew Flowers helped you?

He put forward a plan which he went through with us and explained everything very clearly. We are now in a position to move on to the next stage of deciding which option we wish to pursue.

Have you seen the outcome you were hoping for?

We haven't got that far in the process as yet.

What could they have done better?

At the moment Andrew could not have done anything better.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Northamptonshire

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

Optimised pension savings

How has Andrew Flowers helped you?

Structured retirement plan based around increased contributions In addition to my employer arranged scheme

Have you seen the outcome you were hoping for?

Yes - very happy

What could they have done better?

Nothing come sooner to mind in terms of improvement

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Setting up my ow business and wanting expert advice on my pension

How has Andrew Flowers helped you?

Andrew was extremely helpful, carefully talking me through various aspects of my situation and very clearly explaining what he would advise me to do any why

Have you seen the outcome you were hoping for?

I was hoping to make sure my pension was well invested and to feel secure in the decisions I was making and Andrew has provided both

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Pensions and retirement planning.

How has Andrew Flowers helped you?

Managed the transition of a DB Pension and undertook an evaluation and comparison of the benefits of a number of investment strategies.

Have you seen the outcome you were hoping for?

Yes. The pension was transferred to an investment fund. There has been a full review of the performance of the Fund and given the nature of the investment there will be short term transient effects but these are to be expected given that it is a long term investment.

What could they have done better?

Nothing comes to mind.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Bedfordshire

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

Needed to make some long term planning decisions.

How has Andrew Flowers helped you?

He helped us to understand our aspirations and then to help put a plan together.

Have you seen the outcome you were hoping for?

Yes, so far, so good.

What could they have done better?

Nothing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Poor service from previous family adviser

How has Andrew Flowers helped you?

Complete review and created savings and protection plan including the transfer of existing funds.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Andrew

Difficult to comment based on just a brief call, but at first pass Andrew has seemed professional and personable - he responded quickly to my enquiry, following up with a call and explanation of how the process works. He has offered to meet me at my house, despite it being a fair journey for him - all looks promising so far

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Andrew

Very personable and professional, quickly understood my needs.

First impression from a user who is not yet a client

December, 2016

Overall

Please provide a brief comment about your experience with Andrew

My enquiry was very tentative and Andrew answered it very concisely and clearly, which I appreciated.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I had a number of occupational schemes from the past that i wanted to consolidate and achieve better returns from a more aggressive investment strategy.

How has Andrew Flowers helped you?

He accumulated the detail of my schemes and provided me with an excellent appraisal of the best approach for each scheme. which resulted in me keeping a final salary scheme but moving three schemes into open architecture platform which would allow me to acieive my investment goals.

Have you seen the outcome you were hoping for?

Yes absolutely.

What could they have done better?

Nothing

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

For advice on how best to invest my savings and for pension advise.

How has Andrew Flowers helped you?

He helped me to plan financially for the future, taking into account my current financial position and what I hope to achieve financially in the short and long term.

Have you seen the outcome you were hoping for?

Yes I am very happy with the outcome so far.

What could they have done better?

Nothing that I can think of

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I have complex investment requirements and needed someone with who could deal with these and give me a high level of personal service.

How has Andrew Flowers helped you?

He carried out and in depth review to get to know my circumstances and prepared a detailed report and recommendations which he took me through so we could agree the best way forward.

Have you seen the outcome you were hoping for?

Yes. The plan has exceeded my expectations and my investments have out performed the market.

What could they have done better?

I find the amount of information provided brilliant but there is probably too much but I'd prefer this to not doing things properly!

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement and a pot of money that I needed to invest to at least keep up with inflation and be a source for future income.

How has Andrew Flowers helped you?

He reveiwed my years income and tax and advised me on how I could invest in a portfolio that would be an investment for the the future and also reduce my the tax I had paid. The whole process and explanation on what could be done and how the investment funds were spread was carried out in clear simple terms that I could understand.

Have you seen the outcome you were hoping for?

The first stage of the investment portfolio is in place and the results so far are as projected.

What could they have done better?

I feel that the advice I have been given so far has been given in an open, honest and friendly manner and as such have no suggestions for improvement.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Moving from Spain back to the Uk.

How has Andrew Flowers helped you?

Andrew helped me from reinstating my Residence in Uk to advice on investments. I might add with great patience.

Have you seen the outcome you were hoping for?

Considering the volatile times of late. The outcome has been good.

What could they have done better?

Nothing. Any queries I have are answered immediately by Andrew or 1 of his team.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

Wish to consolidate different investments and pension schemes with a view to creating an early retirement structure.

How has Andrew Flowers helped you?

1. Easy transfer of host of existing schemes, 2 provision of excellent advice, 3, provision of consolidated overview of finances, 4. Ability to size the gap to objectives and create strategies to close.

Have you seen the outcome you were hoping for?

Yes- nicely consolidated structures and gap closed.

What could they have done better?

nothing to add, excellent service

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I required assistance with ascertaining my protection needs and getting suitable provisions put in place.

How has Andrew Flowers helped you?

Andrew carried out a comprehensive review and provided a very detailed set of recommendations, including several areas that we had not considered.

Have you seen the outcome you were hoping for?

Very pleased with the service provided. Andrew was both friendly and professional. I would have no hesitation in recommending Vizion Wealth.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

Planning for income in retirement.

How has Andrew Flowers helped you?

He made sure I had a clear and achievable plan in place that has helped me realise a comfortable and active retirement after a hectic career managing various companies in the UK and overseas. Without the help of Andrew and Vizion Wealth my retirement could have been completely different.

Have you seen the outcome you were hoping for?

Having enjoyed retirement for a number years, the income from my portfolio has allowed me to continue to travel and enjoy retirement.

What could they have done better?

Andrew has always provided a comprehensive and professional service which has satisfied my requirements

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

unhappy with Hargreaves.

How has Andrew Flowers helped you?

provided a structured and well balanced portfolio.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I wanted to plan for my financial future.

How has Andrew Flowers helped you?

Andrew understands that the most important thing is to understand what the client actually wants. By listening and asking the right questions he is able to identify your long-term goals and aspirations. By using his expertise and knowledge he is then able to formulate the most appropriate strategy to achieve these goals.

Have you seen the outcome you were hoping for?

I am very happy with all the recommendations Andrew has made to me so far. The service of greatest value offered by Andrew and Vizion Wealth is their ongoing commitment to ensuring my strategy remains on track so I can be confident that I will achieve my long-term goals.

What could they have done better?

Its difficult to say. Andrew and the team are friendly and offer a highly professional level of service.

Review from verified client

January, 2016

Overall

Service

Advice

Value

Based in Buckinghamshire

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

Change of employment circumstances - from employed with a full final salary pension to self employment.

How has Andrew Flowers helped you?

Took time to understand my needs and then properly challenged some assumptions; but did so in a way that was supportive and helpful.

Have you seen the outcome you were hoping for?

Yes - early days. In the first couple of months of investing but all seems sensible and his advice to put things through my company has proved very tax efficient and saved me over £15 a month on life insurance that I would not otherwise have got.

What could they have done better?

Not much really. Everything was printed for me where needed to be and emailed to me where it could be. Very good service.

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Surrey

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

Approaching retirement.

How has Andrew Flowers helped you?

Complete service. Gathering and rationalisation of relevant information. Preparation of plan report. Implementation and execution of the plan. On-going financial management.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Very satisfied with the service

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Concerns over my pension.

How has Andrew Flowers helped you?

He went right back to the beginning and completely restructured my pension file so that I could finally understand it and claim the correct pension from my employer.

Have you seen the outcome you were hoping for?

Yes, in terms of clarity and quality of advice. My pension is less than I was hoping for but that was not Andrew's fault!.

What could they have done better?

Nothing I'm aware of. He is very thorough and seems to really care bout me and the quality of the outcome.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Lancashire

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

I was looking for a coherent strategy to investments and pensions, My existing advisor didn't give me any confidence that there was a clear end game.

How has Andrew Flowers helped you?

Andrew did a full analysis of both my and my wife's multiple pension schemes, investments and income and provided a detailed breakdown of each investment. From there he helped us plan an investment/pension portfolio that will give us the income we need when we retire. He helped us amalgamate most of the investments into the Transact investment portfolio which gives us a single place to monitor our investments which is the first time we have ever been able to get a clear picture.

Have you seen the outcome you were hoping for?

Being able to see a clear analysis of all our investments has been a revelation. It gives us a great way of planning for the future. Andrew's understanding of our aspirations and income coupled with his huge wealth of experience in investments means that as I near retirement age I am not worrying whether I will have enough invested for the future.

What could they have done better?

I can't think of anything. Far, far better than any other advisor that I have used. In my experience past advisors have never quite convinced me that they are operating in my best interest - Andrew convinced me from the first time I met him

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I need a retirement Plan.

How has Andrew Flowers helped you?

He built a portfolio of investment opportunities that he manages on my behalf.

Have you seen the outcome you were hoping for?

I am retired and living off my retirement income.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I wanted to start a small investment portfolio with an existing pension pot that I was no longer contributing to and was interested in financial protection products.

How has Andrew Flowers helped you?

Andrew provided a personal visit at home, explained the options clearly and concisely and assisted with setting up the relevant plans and policies.

Have you seen the outcome you were hoping for?

I am currently looking at longer term gains however the wrap is performing as expected if not slightly better.

What could they have done better?

not much to be honest

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I needed help and advice after the death of my husband

How has Andrew Flowers helped you?

Andrew has helped with restructuring my portfolio, setting up an Education Fund for grandchildren and IHT planning

Have you seen the outcome you were hoping for?

There is probably still some IHT planning to complete but at present I am very happy with the way the portfolio is set up and working.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Bedfordshire

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

Since Andrew Flowers left Hargreaves and Lansdown I was dissatisfied with their lack of personal communications, I needed to talk to an adviser in person who would take time to explain everything to me. I googled Andrew Flowers and eventually found him.

How has Andrew Flowers helped you?

Andrew came to visit me and as he had initially set up my investments he again took control and explained everything I needed to know, and reinvested my money as I intended to retire.

Have you seen the outcome you were hoping for?

I am very happy with my investments that have been tailor made for my future retirement.

What could they have done better?

I am totally satisfied with my Financial adviser, after all I looked for him on the internet having had sound advice from him before.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

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

We looked into changing our financial arrangements so that we had sufficient protection for ourselves in the case of an accident, injury or loss of income. We were also looking to ensure that we had sufficient pensions and savings to cover us in retirement as well as the expected expenses what our growing children would expect to incur in the future such as marriage and their first house purchases.

How has Andrew Flowers helped you?

Andrew met with us both and reviewed our current financial arrangements. A very thorough review generated some interesting options where we were clearly shown what was and wasn't working for us in our current arrangements. We were able to clearly understand a path forward and stopped some policies that had not provided any where near the returns expected to date and where we benefited from moving these funds under other arrangements that we either had in place or where introduced to by Andrew. We found Andrew to be very knowledgeable and honest with the advice we were provided. At no time did we feel pressured into doing anything and where our arrangements were working currently he recommended that we leave them in place. We are a busy family so the fact that Andrew was able to fit in with us for face to face meetings was really appreciated.

Have you seen the outcome you were hoping for?

We have reaped some benefits already and can see the returns generating on the overall investments that have been made. We feel that we are much better protected for the future and the continued review of our arrangements means that we feel much more comfortable in moving policies to protect us for the future.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Redundancy

How has Andrew Flowers helped you?

Helped by explaining options relating to pension fund management, tax treatment and mapping out future cash flows and sources

Have you seen the outcome you were hoping for?

Tax situation has been resolved effectively. Early days yet regarding pension fund management but happy with how things are going

What could they have done better?

Save the trees! I am more than happy to receive soft copies rather than paper.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

How has Andrew Flowers helped you?

We have been with Andrew since the start of his business,our investments have increased in value every year ,we meet every six months to update the plan and he carefully explains how he would like to move the plan forward , adhering to our level of risk,but changing the plan to adapt it to maximise future returns. He always listens to our concerns and adapts the portfolio to fit into our future spending plans. He clearly has a very good understanding of the markets and the products available that best suit our needs.

What could they have done better?

Andrew could have reviewed our plan when there was a major change in market conditions before our six monthly review, this may have increased returns even more. However our agreed contract was for a six monthly review.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Derbyshire

How has Andrew Flowers helped you?

Andrew conducted a thorough review of our finances, and did a huge amount of work sorting through the many pensions and assurance policies we have accumulated over the years. He asked us to consider our financial objectives for the future and identified gaps and savings we hadn't even considered. He spent a lot of time explaining various options to us and did so in a way that was easy to understand. He clearly explained risk factors and together we came up with a financial strategy that is so detailed we can see how our economic situation should look at any point in our, and our children's futures. Thanks to Andrew we now have a clear picture of our financial situation and much improved, and better value Life Assurance policies to replace the inadequate protection we previously had in place. We were extremely impressed with Andrew from the start of our first meeting and he continues to be on hand with prompt advice when we need it or have a change in situation. He's a really nice guy, we trust him implicitly and cannot recommend him highly enough.

What could they have done better?

There is honestly nothing we feel Andrew could do better

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Northamptonshire

How has Andrew Flowers helped you?

I have complete confidence and trust in Andrew's advice and know that he always endeavours to find exactly the right solution for my personal needs. He is a true advisor with his clients' best interests at heart. He is very good at looking at the overall picture and considering the best timing to take action or not. He provides a carefully considered planning and advisory service and - very importantly - is always happy to discuss related issues when needed.

What could they have done better?

I'm struggling to think of suggestions. In fact, I have to admit to having none.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Buckinghamshire

How has Andrew Flowers helped you?

Andrew has dealt with our financial affairs for well over ten years. We have built up such a good relationship that every time Andrew moved we moved with him (after a discreet passage of time). We have always been very happy with his work and would have no hesitation in recommending him.

What could they have done better?

Try as I might, I can't think of any improvement

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Kent

How has Andrew Flowers helped you?

Excellent all round service. I hardly think where I would be now financially if I had not "found" Andrew Flowers. He has given me excellent advice . If I have any queries He answers them in words which I can understand. After 8 plus years I now regard him as a friend as well as my financial adviser. I have no hesitation in recommending Vizion Wealth and Andrew Flowers.

What could they have done better?

I think below date is 2007 but cannot remember exactly.