Reviewed for

Insurance and Protection ( 8 )

Pensions ( 38 )

Equity Release ( 2 )

Retirement income (annuities, drawdown) ( 21 )

Investments and Savings ( 60 )

Pension Transfers - Non Specialist ( 12 )

Inheritance Planning ( 8 )

Long Term Care ( 4 )

Pension Transfers - Specialist ( 7 )

Financial Planning ( 12 )

Financial Mentoring ( 2 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 1 )

£200k - £500k ( 12 )

£100k - £200k ( 8 )

Up to £50k ( 14 )

£50k - 100k ( 8 )

Client reviews

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Northumberland

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

How has John Edwards helped you since your last review?

John Edwards continues to give great advice . He listens to any changes in your life and manages investments accordingly. He answers any questions and is happy to explain or go over any concerns you have.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Staffordshire

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

To Retire at66 this year 2024

How has John Edwards helped you?

He has done such a lot for me helping me transfer previous pension policies , he always kept in touch if I needed him , gave me advise , created a portfolio, I always knew where I stood with all my pensions. He has always gave me good advise, I had choices but he guided me through it all, putting some pensions into a drawdown policy for the future, he always explained in great detail for the reasons for his decisions and I have taken his advise. I don’t think I could have done it all by myself

Have you seen the outcome you were hoping for?

Yes , everything so far has worked out just like John explained to me it would, I always knew what the cost of all the proposals would be before I decided what to do, and which way to go.

What could they have done better?

I don’t think it could have been done any better by anyone else.

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

How has John Edwards helped you since your last review?

Very helpful and good spread of financial support

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Pension release draw down

How has John Edwards helped you?

John took all the hassle out of the process

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with John

I received an excellent service from John, who I found to be very thorough. Easy to talk to and more than willing to explain anything

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

How has John Edwards helped you since your last review?

John gave some sound advice on rebalancing the risk approach on my portfolio, which will hopefully provide some reassurance at a time of considerable volatility in the markets. We have agreed to modify my investment strategy in a way that does not affect my overall attitude to risk. John provided a detailed report for me to review and sign off once I was happy with the contents.

Repeat review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Oxfordshire

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

How has John Edwards helped you since your last review?

We had a followup call from John after 12 months and we agreed to review our financial position winter 2023 - just to see if we are up to date.

John's reply

Hi Chris, Thank you for leaving a review. I look forward to speaking with you and Janette later this year. With best wishes, John Edwards

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lincolnshire

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

How has John Edwards helped you since your last review?

By maintaining the choices of investment we have

John's reply

Thank you so much! I look forward to speaking with you again soon, With best wishes, John Edwards

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Norfolk

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

I wanted advice regarding my savings as to where was the best place for them.

How has John Edwards helped you?

John has now helped me twice in the past year.The first time was via a telephone conversation and yesterday in person in Cromer.I was very impressed with John,s customer service skills,expert knowledge and thoroughly trust the advice he gave.

Have you seen the outcome you were hoping for?

I have seen a better outcome than I had expected and am delighted with the advice given.

What could they have done better?

Nothing I am 100% satisfied.

Review from verified client

July, 2023

Overall

Service

Advice

Value

Based in West Sussex

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

Hoyl bought out the adviser that I was previously with.

How has John Edwards helped you?

John has helped with our choice of investment in a professional manner

Have you seen the outcome you were hoping for?

Not really but the financial markets have been in turmoil due to world affairs

What could they have done better?

Nothing really. Very trying times.

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Northumberland

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

How has John Edwards helped you since your last review?

Asks about your present circumstances and will make any adjustments after discussion.

John's reply

Thank you Maureen. Always nice to have feedback. I look forward to speaking with you soon. John Edwards

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

To put retirement lump sum somewhere ,hoping it will increase

How has John Edwards helped you?

By investing our money with knowledge

Have you seen the outcome you were hoping for?

It’s O,K

What could they have done better?

Not sure

Repeat review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

How has John Edwards helped you since your last review?

Consolidated pensions and continued to assist advising on stocks and shares Lisa.

John's reply

Thank you David. I look forward to speaking with you again soon.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

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

I was looking to consolidate my pension schemes into one pension

How has John Edwards helped you?

John advised me of the best options concerning my pensions, and what would be a good pension provider to place them with

Have you seen the outcome you were hoping for?

Yes; keeping track of only one pension has been a lot easier to manage

What could they have done better?

I don’t think there was anything John could have done better in my opinion

John's reply

Good morning Darren, Thank you so much for leaving a review. We will next be in contact for next years annual review and you are always welcome to get in touch in the meantime. Best, John Edwards

Repeat review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Oxfordshire

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

How has John Edwards helped you since your last review?

Reviewed our investments and recommended a change to improve our circumstances, hopefuly!

John's reply

Thank you Wallace

Repeat review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

How has John Edwards helped you since your last review?

John's report and revised strategy for managing my investments was put in place during summer 2022 and I am happy with the approach that he recommended. Of course, these are challenging times, for many reasons, but I am comfortable with the strategy. John is a first class Financial Adviser, taking time to listen to any concerns that I may have and offering pragmatic and sensible advice at all times.

John's reply

Thank you Malcolm. I am going to be in touch later this week to discuss this years annual review. I look forward to speaking with you soon. Best, John Edwards

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

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

I was looking to consolidate all my pensions into one pension.

How has John Edwards helped you?

John has helped me manage to consolidate all my pensions, and given me some very helpful financial advice, as well as carrying out a yearly review with me

Have you seen the outcome you were hoping for?

Yes, I have seen the outcome of what I hoped would happen, and I'm very satisfied with what John has managed to do

What could they have done better?

There's nothing I can think of that could have been done any better in my opinion

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Wanted to put investments from various companies into one plan.

How has John Edwards helped you?

He has advised me in easy to understand terms.

Have you seen the outcome you were hoping for?

It's early days but so far so good.

What could they have done better?

Nothing.

John's reply

Good afternoon Roger, Thank you for leaving a review. Appreciate you taking the time and look forward to speaking with you next at our annual review. Best wishes, John Edwards

Repeat review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Derbyshire

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

How has John Edwards helped you since your last review?

Helped me withdraw some of my savings and advised me on future investments.

John's reply

Hi Andy Thank you for leaving me a review. I look forward to speaking with you again soon at our next review date. Best, John Edwards

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in West Yorkshire

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

How has John Edwards helped you since your last review?

HE helped got all my pension together and how to move forward

Repeat review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Northumberland

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

How has John Edwards helped you since your last review?

Always excellent advice.

John's reply

Thank you Maureen

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Frozen pension

How has John Edwards helped you?

Moved it

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

John's reply

Hi Alan, Thanks for leaving a review. Pleasure to have helped so far and look forward to working together in the future. John Edwards

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Hertfordshire

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

To consolidate a number of old pensions into a single pension pot.

How has John Edwards helped you?

Yes he helped greatly

Have you seen the outcome you were hoping for?

So far all is good

What could they have done better?

Nothing that I can think of at present

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Angus

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

Had previously had an adviser but I wasn't completely satisfied with their efforts. Hoyl came well recommended so moved to them and Mr Edwards in particular.

How has John Edwards helped you?

His comprehensive and skilled advice has been invaluable.

Have you seen the outcome you were hoping for?

We are in the early stages of our reinvestment programme, but appear to be on the right track.

What could they have done better?

No.

John's reply

Good morning Alexander, Thank you for leaving me a review - Much appreciated I hope you and Margaret are well and I look forward to speaking with you next at our annual review. Thanks again, John Edwards

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Norfolk

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

How has John Edwards helped you since your last review?

Yes, reviewed my investments and provided additional re-assurance when investment conditions where particularly volatile.

Review from verified client

November, 2022

Overall

Service

Advice

Value

Based in Oxfordshire

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

Trying to ensure that my son's inheritance benefitted from the best tax arrangements , but also to ensure that my investments were largely in Ethical businesses.

How has John Edwards helped you?

He set up a new stocks and shares platform to use my ISA allowances to the best effect

Have you seen the outcome you were hoping for?

Too early to tell, particularly in current turbulent market conditions

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

How has John Edwards helped you since your last review?

John and I had calls/email correspondence earlier this year to discuss the performance of my funds, particularly in light of the financial crisis that is ongoing, the impact of war in Ukraine, turmoil in the UK government and so on. As always, John provided constructive and balanced advice about the options available to me and actions were then agreed to address my concerns.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in West Sussex

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

To maximise value of investments

How has John Edwards helped you?

Advised on investments taking into account our acceptance of degree of risk

Have you seen the outcome you were hoping for?

Outcome disappointing because of general turmoil in financial situation.

What could they have done better?

Nothing

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lincolnshire

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

When I retired we asked for advice

How has John Edwards helped you?

John has given sound advice over the years and guided us to maintain a balanced increase over time

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don’t think so

First impression from a user who is not yet a client

July, 2022

Overall

Please provide a brief comment about your experience with John

My conversation with John was very worthwhile and he answered all of my questions in a straightforward manner.He seems to be a very kind and caring man and I did not feel under any pressure at any time during the telephone call.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Extremely professional.

How has John Edwards helped you?

Given advise on investments

Have you seen the outcome you were hoping for?

Yes

John's reply

Hi Pat, Thank you for leaving a review. I hope you and Jim are well and i look forward to seeing you both later this year. With best wishes, John

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Initially after receiving lump sums from our pensions on retirement.

How has John Edwards helped you?

John has been very patient explaining savings and investments in simple language and given us time to consider proposals without pressurising us.

Have you seen the outcome you were hoping for?

Unfortunately thanks to Putin, we have seen a dip in our investments, but prior to that, we were happy with our results.

What could they have done better?

I can't think of anything.

John's reply

Thank you Valerie!

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in West Sussex

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

Wanted expert advice

How has John Edwards helped you?

Provided advice based on our needs

Have you seen the outcome you were hoping for?

Difficult in current climate

What could they have done better?

Nothing

John's reply

Hi Alwyn, thanks for leaving a review.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Northumberland

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

for investment

How has John Edwards helped you?

Helped us to think about what investments were suitable for our circumstances.

Have you seen the outcome you were hoping for?

John Edwards has helped us to achieve our outcomes for the long term.

John's reply

Thank you Maureen!

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Hampshire

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

Retirement planning

How has John Edwards helped you?

Arranged to consolidate pensions, set up plans to be mortgage free and essentially make our money work better for us, especially when savings are limited in terms of income.

Have you seen the outcome you were hoping for?

It look son track so far

What could they have done better?

Nothing so far

John's reply

Hi Sarah, Thanks so much for leaving a review. I hope you and the family are keeping well. i look forward to speaking with you again soon. With best wishes, John Edwards

Repeat review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Norfolk

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

How has John Edwards helped you since your last review?

John's continued to oversee my pension and investment portfolios, providing advice and support whenever I've needed it.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

I have been a client of john for some years. Recently i expanded the work john has undertaken for me.

How has John Edwards helped you?

Oversaw a complete review of my many pensions, and looked for options going foward.

Have you seen the outcome you were hoping for?

Yes a simplified solution with a good potential for growth and great flexibility .

What could they have done better?

Nothing, a very detail understanding anakyis done.

John's reply

Thanks for leaving a review Dave!

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in West Midlands

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

An amount as a pension placed somewhere safe and ,hopefully will increase over the years

How has John Edwards helped you?

Very helpful and down to earth

Have you seen the outcome you were hoping for?

A little bit

What could they have done better?

Not in the present climate

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

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

Advice from my pension provider on my retirement from full-time employer.

How has John Edwards helped you?

Advised on management of my secondary pension.

Have you seen the outcome you were hoping for?

Not yet, chnages have only just taken place.

What could they have done better?

Nothing that I can think of.

John's reply

Hi Wallace, Many thanks for leaving a review. I hope you and Jennie are keeping well and I look forward to speaking with you both again soon. John

Repeat review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

How has John Edwards helped you since your last review?

John gave me some very helpful advice regarding my investment strategy and how it might be modified in light of the situation in 2022 with high inflation and an unstable world environment. I had been very concerned by the impact on my investments over the past few months but his suggestions took account of my attitude towards risk and I look forward to seeing the report that he is finalising. As always John was highly professional in discussing options that are open to me. He is a pleasure to talk to about my finances.

John's reply

Thank you Malcolm. I look forward to sitting down with you again soon.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in East Sussex

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

I had several private pension schemes, two of which were from previous employers, so it made more sense to consolidate them into one plan, or at keasts ee what the ebst advice was. John Edwards took my case on.

How has John Edwards helped you?

John has been an absolute legend- he was interested from the get-go, and kept me informed at all stages of the process, as well as explaining the financial side of my pensions, and what the best idea would be, and I was more than happy to follow John's advice.

Have you seen the outcome you were hoping for?

Yes, the outcome was exactly what I was hoping for- all of my pensions under one roof, and easy to manage as well.

What could they have done better?

I don't think there was anything John coyuld have done any different or better, he explained everything perfectly

John's reply

Thank you Darren.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Warwickshire

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

Needed more cover for a bounce back loan and replace a whole life policy which was too expensive.

How has John Edwards helped you?

He has reviewed our policies and replaced them as necessary.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in South Yorkshire

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

Protect my investments

How has John Edwards helped you?

Unbiased professional advice always given, in my best interests ,I feel. All matters fully discussed and explained. Always makes himself available to offer/ provide advice as and when needed,.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I know of.

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Derbyshire

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

Retired from work and had a lump sum to invest. Had to plan for the future.

How has John Edwards helped you?

Provided advise with investments to assist with my long term goals and secure my financial future.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I am aware of.

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

I wanted to put all of my pension together

How has John Edwards helped you?

HE helped got all my pension together and how to move forward

Have you seen the outcome you were hoping for?

Yes i have

What could they have done better?

I know they have done they best for me

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Northumberland

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

Expertise and knowledge

How has John Edwards helped you?

John Edwards knows our needs and recommends suitable investments.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Excellent.

John's reply

Hi Maureen, Thank you for reviewing. I look forward to speaking with you again soon. With best wishes, John Edwards

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Durham

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

Required pension advice.

How has John Edwards helped you?

Understand my options more.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Happy with service.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

I'm getting closer to my retirement and thought a general review and update of my options was a good idea. John gave excellent service quick and efficient.

How has John Edwards helped you?

Yes very much so, John gave me an excellent review of my options.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

I can't think of anything at the time.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Norfolk

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

John already looks after a pension for me, and I needed additional advice on life cover and some investments for the longer term.

How has John Edwards helped you?

Recommended the best plans for my needs and explained everything involved in clear and simple terms.

Have you seen the outcome you were hoping for?

Definitely. Early days, but both my pension and investments are showing a good return, and far better than where they were previously.

What could they have done better?

Nothing. Am very happy with the service I received from both John and Hoyl and wouldn't hesitate to recommend to my friends and family.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with John

John is really professional in his approach, friendly and understanding of my situation. John answered all of my questions and concerns clearly and I now feel much more educated about everything which is really helpful. I will be contacting John without hesitation once I am ready to progress and have no doubt he'll be brilliant.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

On retirement I had a number of investments, some of which were performing badly so I sought professional advice on how to manage my savings more effectively in both the medium and longer term.

How has John Edwards helped you?

John provided very professional support, particularly taking into account my attitude towards risk. He always took the time to explain the thinking behind his proposals and never pressurised me into taking actions. At all times John was very courteous and good humoured and was quite simply a pleasure to deal with - and still is!

Have you seen the outcome you were hoping for?

Yes - my pension fund and other investments are doing well.

What could they have done better?

At this stage nothing.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Oxfordshire

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

Concern that my investments were somewhat "random" and needed to be better organised and integrated. Of particular concern was that I wanted to ensure that my investments were more ethically based. I was also concerned about the possible Inheritance tax implications would be for my son

How has John Edwards helped you?

John suggested moving some of my investments to the Quilter platform to ensure that they were invested in Ethically based Funds , rather than in Shares held in individual companies. This could then take more advantage of my ISA allowance each year to reduce the possible Inheritance Tax burden

Have you seen the outcome you were hoping for?

The transfer of my investments went through smoothly but it is still too early to see what the long term outcome will be !

What could they have done better?

Nothing that I am aware of .

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in London

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

Needed advice on best way to manage my pension pot. John has been reviewing my financial circumstances and offering advice for several years now.

How has John Edwards helped you?

John discussed the various possibilities to enable the best arrangements to facilitate a range of potential scenarios

Have you seen the outcome you were hoping for?

Yes in terms of the arrangements made but I have not yet needed to action the plans made

What could they have done better?

Nothing I can think of. Regular contact and sound advice has been very reassuring.

John's reply

Hi Rob, Thank you for reviewing. I look forward to speaking with you again soon. Best, John Edwards

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Outside UK

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

I was contacted by John as his firm was asked by Zurich Assurance to take on the advisory work on my overseas pension as Zurich Assurance no longer wished to manage that pension.

How has John Edwards helped you?

He helped me to review my pension investments and undertake some much needed changes to the composition of the pension fund investments. The fund had not been managed for several years and it had been lying dormant.

Have you seen the outcome you were hoping for?

Yes. This has proved to have been a very fruitful exercise.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Hampshire

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

Pensions and ISA while self employed

How has John Edwards helped you?

Arranged pension and ISA funds based on my risk profile. Annual reviews of the above. Transfer of other pensions into my new pension. Dealing with and resolving issues with existing policies/providers.

Have you seen the outcome you were hoping for?

Yes, investment returns have been better than I expected.

What could they have done better?

No.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Surrey

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

i was approached after anothe investment collapsed

How has John Edwards helped you?

he helped me through the process

Have you seen the outcome you were hoping for?

so far, but it is arly in the process

What could they have done better?

no opinion

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with John

John provided me with valuable advice and invested time to carefully consider my particular situation in relation to an existing pension fund. He helped me understand my options and was honest in his assessment of those options in relation to my needs and plans. Ultimately, my current plans and circumstances meant that he supported my decision to leave my pension plan as it was, rather than encouraging me to make a change that would have resulted in a commission for him. Based on his approach and generosity with his time, should my plans change in the future, I would have no hesitation working with him to make the necessary amendments to my pension scheme.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

To protect and grow savings

How has John Edwards helped you?

Planned an investment strategy in line with our level of risk but with potential to grow.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Satisfied with advice given

John's reply

Hi Alwyn & Margaret, Thank you so much for taking the time to review. I look forward to speaking with you both again at our next annual review. With best wishes, John Edwards

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Lincolnshire

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

A sum of money from my retirement

How has John Edwards helped you?

spoke in detail about what I needed and helped me through some investment plans and got to know what I wanted, John has helped me regularly

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Cant think of anything

John's reply

Hi Gillian, Thank you for your kind words. I look forward to speaking with you again soon. In the meantime, stay safe and best wishes to you and Charles, John Edwards

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

Advice on investment, risk, efficient tax wrappers.

How has John Edwards helped you?

Undertook a detailed questionnaire and recommended products based on my bespoke responses. Answered follow up questions very promptly, efficiently and easy for a non financial person to understand.

Have you seen the outcome you were hoping for?

Yes, John’s recommendations have suited me perfectly.

What could they have done better?

Nothing.

John's reply

Hi Suzanne, Thank you for taking the time to review. I look forward to speaking with you again at our next annual review. Best wishes, John Edwards

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

Retirement of previous Financial Advisor.

How has John Edwards helped you?

John carried out a total review of my policies and presented a package suited to my needs.

Have you seen the outcome you were hoping for?

Based on my chosen options, yes.....as well as taking into consideration the Covid-19 situation.

What could they have done better?

I am very content with the level of service provided.

John's reply

Hi Steve, Thank you for taking the time to review! I look forward to speaking you again at our next annual review. Best wishes, John

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Kent

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

To make best use of some old pension pots.

How has John Edwards helped you?

Explained & guided us through the transfer process

Have you seen the outcome you were hoping for?

Value is increasing, so yes.

What could they have done better?

Can't think of anything.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Oxfordshire

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

Our whole life policy had become unaffordable and we needed to cover extra loans incurred during the pandemic .

How has John Edwards helped you?

John reviewed our existing cover and helped us by explaining how we could replace it with alternative policies which would better suit our situation.

Have you seen the outcome you were hoping for?

Yes we now have insurance cover for all of our liabilities at a more affordable monthly outgoing.

What could they have done better?

Everything was good.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Retirement

How has John Edwards helped you?

John advised me on my options and best investments over my last few years of work and subsequent retirement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very little in my opinion

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Essex

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

I was looking for a local financial adviser - I had to look no further than JOHN EDWARDS.

How has John Edwards helped you?

John was passionate about his work, his love for all things pensions was a joy to behold!

Have you seen the outcome you were hoping for?

The outcome was far and above what I was hoping for.

What could they have done better?

Support a better football team, Chuckle, sorry John!

Review from verified client

February, 2021

Overall

Value

Advice

Service

Based in Surrey

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

I had an old stock and shares ISA that hadn't been reviewed since I got it. I also had a pension that wasn't being actively reviewed by the previous FA yet I was paying a monthly charge. I was therefore looking for a company who could improve both situations.

How has John Edwards helped you?

John listened to my requirements and risk acceptance and tailored his advise on these. He gentled challenged to ensure that I was happy with my choices, but didn't try to force me down his 'road' nor pushed products that I didn't need/want. He was always responsive when I contacted him and provided additional information when I had questions.

Have you seen the outcome you were hoping for?

Not yet, the various monies have only recently been transferred to the suggested institution. I am hopeful from all the information provided that I will see a better return over the coming years than I had seen before. Time will tell!

What could they have done better?

Nothing

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Aberdeenshire

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

My pension was due to be paid and I wanted o know what my options were for investment

How has John Edwards helped you?

He listened to my thoughts on my current and future financial requirements and offered sound advice on options for achieving them and also covering changing circumstances. He also gave advice on tax inheritance. He also gave me updates during the process which made me feel I had not been forgotten once I had signed.

Have you seen the outcome you were hoping for?

Yes so far. Only time will tell if it is a good investment

What could they have done better?

Some of my mail was sent to a previous address. You need to ensure address changes are disseminated correctly.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with John

I approached John for a review of my SIPP and overall finances. John listened patiently and explained how Hoyl could help me with this. He did not try and sell me things I did not need or want, which is a refreshing change. Having thought about my situation, I have decided to wait a little while before carrying out a review but when I do, I will be contacting John without hesitation.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

I need to amalgamate 3 small pensions into one & update to a more modern portfolio.

How has John Edwards helped you?

I've not much experience in this area. He was clear & patient. I felt able to ask questions without feeling stupid and make informed decisions out of our discussions. I never felt pressurised.

Have you seen the outcome you were hoping for?

Yes. I think so.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

Move to new Adviser due to exceptional circumstances.

How has John Edwards helped you?

John was very helpful and instilled confidence for our future.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We are satisfied with our Adviser and dont believe anything could have been improved.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in London

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

Changes to terms and conditions of my pension fund

How has John Edwards helped you?

Advised on investing my pension fund and orchestrated buying an annuity.

Have you seen the outcome you were hoping for?

To some extent

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Retirement initially.

How has John Edwards helped you?

Annual discussion on our financial situation and current attitude to investment.

Have you seen the outcome you were hoping for?

These are unusual times due to COVID-19

What could they have done better?

I am very happy with our financial advisor. He has answered emails promptly and I know he would always return a phone call.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Long term investments and savings.

How has John Edwards helped you?

Good advise and movement of investments to more profitable funds.

Have you seen the outcome you were hoping for?

Early signs show promise.

What could they have done better?

Nothing.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

Good professional advice

How has John Edwards helped you?

Helped by assisting us to choose investments commensurate with our risk profile.

Have you seen the outcome you were hoping for?

Satisfactory, although Covid 19 and the uncertainty it has created has played havoc with the stock market

What could they have done better?

Nothing

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

Retirement and advice

How has John Edwards helped you?

Help and advice was continued from the previous advicer

Have you seen the outcome you were hoping for?

Yes, until the current problems

What could they have done better?

Has done as well as possible in the circumstances

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Northumberland

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

Needed help with investments and help with retirement planning.

How has John Edwards helped you?

Explanation, advice and reassurance.

Have you seen the outcome you were hoping for?

Yes. John Edwards guides you through each step of the process.

What could they have done better?

He has done an excellent job. I can't think of any improvements.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Leicestershire

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

Retirement

How has John Edwards helped you?

Helped me decide what risk I was willing to take with my investment

Have you seen the outcome you were hoping for?

.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Norfolk

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

Originally with Coop advice team then they (Penny) moved to Hoyl and then John took over from Penny

How has John Edwards helped you?

Financial advice

Have you seen the outcome you were hoping for?

No because of the crisis caused by COVID-19

What could they have done better?

Not much! It would seem from an interim statement (which we requested) that things have improved since April 2020.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Norfolk

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

I was looking for advice on pension plans I held through previous employment.

How has John Edwards helped you?

John explained the options available, his recommendation and the benefits of following his advice very clearly, in plain, simple terms, which I could follow and understand.

Have you seen the outcome you were hoping for?

Yes, I've been very happy with the advice John provided and it's given me reassurance that my retirement planning is on track.

What could they have done better?

Nothing comes to mind. I've been very happy with both the advice and service provided.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Hampshire

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

Initially, to plan for our retirement financially.

How has John Edwards helped you?

Took a thorough review of our finances, gained information about our financial risk attitudes, discussed retirement plans and personal considerations. He set a plan in motion to become mortgage free in our set time frame and to make more effective use of our savings

Have you seen the outcome you were hoping for?

It is early days, but it looks achievable. Covid 19 may well affect plans, but John has talked to us about their contingencies.

What could they have done better?

Initially he visited us which was beneficial - we live a long way from the offices. We do not think we would have used the firm if we had not met the adviser face to face. Ongoing meetings are by phone. Perhaps video conferencing may be useful going forward.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Review Long standing investments and ISA.

How has John Edwards helped you?

Reassurance that fund was still suitable.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in South Yorkshire

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

Required specialist knowledge in a crucial area following reirement

How has John Edwards helped you?

Excellent unbiased advice given in a situation where I have always felt comfortable discussing important matters with him. Thoroughly professional, I trust him to advise me , whilst giving me a broad picture of the possibilities available in the circumstances we are discussing. Integrity and honesty shine through.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I am aware of.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Surrey

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

Pensions needed reviewing and consolidating

How has John Edwards helped you?

John has been amazingly patient throughout the whole process of consolidating all my pensions into one. John has been so thorough in making sure that I have understood all that would happen during the process. Not once have I been made to feel stupid or a pain in the neck. He is always there for me when I have had questions outside of the scheduled calls. As far as I am concerned i received a first class service and advice.

Have you seen the outcome you were hoping for?

Early days yet especially as covid 19 stopped play.

What could they have done better?

I can not think of anything that John could have done any better.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in London

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

Retirement looming, and wanted to know what my options are and if my finances are able to support me / us.

How has John Edwards helped you?

Changing / updating plans already in place and making better use of them.

Have you seen the outcome you were hoping for?

Too early to tell.

What could they have done better?

These sorts of things are confusing, so just keep trying to continue to make me understand what it is he is doing to try and help me and my finances to achieve a realistic goal, the costs involved and what the expected outcome will be. Also is there anything else I can do to build up my finances.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Kent

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

Small pension pots were coming to an end before I was ready to retire. Needed help on deciding what to do with them.

How has John Edwards helped you?

In plain English, he helped me understand how they could be managed, taking into consideration my concerns.

Have you seen the outcome you were hoping for?

Covid-19 landed, however, the pension pot has been managed as well as it can be during this time and John has been available to discuss concerns.

What could they have done better?

I don't think there is anything else that he could have done better - the service he provides is right for me.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

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

Early retirement

How has John Edwards helped you?

Advised on drawdown and savings values

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Lancashire

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

I was aware that I had access to a reasonable amount of cash that was clearly not required and in addition had a number of investments that were underperforming. Being close to retirement at the time it made sense to review the options open to me over the next few years.

How has John Edwards helped you?

John and his support team looked in detail at the investments I had and wrote a report outlining alternative options that I might wish to consider. At all times John took note of the fact that I am a relatively cautious investor. He was always available for advice over the phone and when I wanted to discuss options for my defined contribution pension funds we had an excellent face to face meeting to review the position. John has shown himself to be highly professional at all times and in addition explains things clearly and with great patience.

Have you seen the outcome you were hoping for?

Until March 2020 I would say "yes" but since then my investments have suffered in line with many others as a result of the Coronavirus pandemic. However, things have started to improve and as a relatively long term investor I remain comfortable with the approach taken with John's advice.

What could they have done better?

At this stage I have no suggestions for things John could have done better. He has been thorough, professional and good-humoured throughout the time he has been my IFA and I look forward to the latest review he is currently undertaking.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Aberdeenshire

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

Is cash not performing and chose to invest

How has John Edwards helped you?

invested to suit my needs

Have you seen the outcome you were hoping for?

yes definitely

What could they have done better?

nothing really Service was 1st class

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

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

I wanted to draw down some funds from a pension that had not previously been performing very well so made contact with John for some honest help and advise.

How has John Edwards helped you?

John reviewed my current situation, needs and requirements and then completed a thorough review followed by him supply me with some possible options. I had previously spoken with John around a year or so before but was not at that time ready to make any changes and I was greatly reassured by the fact that John did not pester me or apply any pressure to me but rather followed this up with a call a year later by which time I was ready to proceed.

Have you seen the outcome you were hoping for?

I am extremely happy with the honesty and professionalism of John, so much so that I recommended him to my wife who is also now one of Johns happy clients. Throughout the process John kept me well informed and my current arrangement is working exactly as I hoped it would so I would happily endorse him to anyone in need of some good straightforward financial advise.

What could they have done better?

To be honest I was a bit wary of all financial advisors after reading some negative press so I cautiously entered into initial discussions with John but I can genuinely say that I can't think of any missed opportunities for him do better as he is a knowledgeable and professional gentleman.