Reviewed for

Insurance and Protection ( 13 )

Mortgages ( 14 )

Pensions ( 73 )

Equity Release ( 6 )

Retirement income (annuities, drawdown) ( 33 )

Investments and Savings ( 74 )

Pension Transfers - Non Specialist ( 6 )

Inheritance Planning ( 23 )

Long Term Care ( 2 )

Pension Transfers - Specialist ( 7 )

Financial Planning ( 17 )

Financial Mentoring ( 2 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 25 )

£200k - £500k ( 13 )

£100k - £200k ( 7 )

Up to £50k ( 6 )

( 1 )

£50k - 100k ( 6 )

Client reviews

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Angela

I received a very prompt call back from Angela who provided me with sound and honest advice concerning my pension enquiry and has offered to follow this up once I've collected further information.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

Approaching retirement my Wife and I considered the option of transferring my defined benefits pension into a SIPP and managed fund.

How has Angela Maher helped you?

Angela started with the basics, putting both my Wife and myself at ease regarding the process, the possible options and the risks. In so doing, she clearly demonstrated empathy and understanding, and looked not only at our personal circumstances but also our immediate family group. Angela has a broad understanding and experience in personal financial investments and planning. She has immense patience and is able to explain sometimes difficult topics in a simple and clear way which inevitably helps in building confidence when making significant decisions.

Have you seen the outcome you were hoping for?

Yes. We are comfortable with our decisions, made on the back of Angela's advice, and given the geopolitical challenges of the past 2 years we have seen no major surprises.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

I needed first-class advice on various matters since my retirement.

How has Angela Maher helped you?

The availability of support and the breadth of knowledge which Angela and her colleagues provide is second to none. If further advice is required, Angela always knows someone to whom she can direct me, e.g. wills, LPA's etc. A good decision to join Acumen's clientele.

Have you seen the outcome you were hoping for?

Yes indeed.

What could they have done better?

Lot a lot!

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

Towards reaching age 75 I required advice and guidance in respect of my SIPP and Investment Portfolio.

How has Angela Maher helped you?

Yes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Excellent professional advice and knowledge.

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Angela

Angela has not acted for me in a personal capacity but has advised a number of my clients .I am a Specialist Family Lawyer and my reputation will depend on not only the way I have dealt with clients but also the specialists who I refer my clients to. Angela and her colleagues, Celia and Daniel have been first rate in understanding my clients specialist financial needs which involves investment and pension sharing assistance . I would certainly recommend the Firm and particularly those I have mentioned

Angela's reply

Thank you for your continuing faith in us and for taking time to write a review.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

During my working career I received financial advise/planning from a company that also looked after my companies general insurance and pension planning etc. I retired in 2013 and in 2014/15 the company that had looked after my pension and general planning advise ceased trading. I therefore needed to find an alternative financial advisor to help me plan my pension and inheritance tax situation. After interviewing several advisors my wife and I decided to choose Angela Maher at Acumen.

How has Angela Maher helped you?

When we first chatted to Angela Maher we set out our goals in order that Angela could fully understand our needs. Those goals have not changed and over the 8 years that we have been with Acumen Angela has consistently delivered an excellent standard of help and advice.

Have you seen the outcome you were hoping for?

Yes we have seen the outcome that we were expecting and Angela has been an integral part of our plans being achieved.

What could they have done better?

The way in which the company is set up has meant that not much at all could have been done better. The major benchmarks that we initially set have all been achieved.

Angela's reply

Dear Phil I’m delighted to read this positive review, thank you so much for taking the time to write it. Best wishes, Angela

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

I needed pensions advice

How has Angela Maher helped you?

Angela has helped me for many years with my investments and pension. I have always had excellent advice from Angela and trust her implicitly

Have you seen the outcome you were hoping for?

Yes

Angela's reply

Thanks for taking the time to leave a review Caroline-it’s much appreciated.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Transferring of pension to SIPP to allow access to drawdown of funds and to manage my portfolio

How has Angela Maher helped you?

Angela quickly got to grips with my situation, talked through my details, circumstances, plus my wants and needs, then spent time talking through all the options available and suitable before making her recommendation, which was very thorough and detailed and was in a language I could understand. Angela arranged a meeting with the Investment firm so I could ask further questions to ensure it was the best product for my circumstances. Angela and her team are always available to support with any queries or to discuss any concerns and are always extremely helpful, professional and courteous.

Have you seen the outcome you were hoping for?

Absolutely and I feel that my full needs have been met and continue to be met with regular reviews.

What could they have done better?

Nothing - I am totally satisfied with the outcome.

Angela's reply

Dear Cheryl, We go back a long time (from working together at Royal Life) and it made my day when you looked me up and joined Acumen as a client. Thanks so much for your review, I know you’re as busy as ever! Angela

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Devon

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

Highly recommended when I finished work and wanted to safely invest my funds

How has Angela Maher helped you?

Angela is always available for advice and help providing me with options that suit my own goals

Have you seen the outcome you were hoping for?

Angels and the team have helped me during difficult and un predictable times

What could they have done better?

Very little

Angela's reply

Thanks for your review Sean, it’s always a pleasure to work with you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Initially, I was looking for advice on growing my investment portfolio prior to making a major purchase.

How has Angela Maher helped you?

Angela has been a steadfast and trusted advisor of mine for yrs now. She helped me navigate the choppy waters of the pandemic and recovery and has kept me on-track ever since.

Have you seen the outcome you were hoping for?

Angela has redefined my relationship with my finances. I now think about them completely differently and am able to plan my life with a level of confidence previously unknown to me. It's a liberating feeling - highly recommended!

What could they have done better?

I can safely say that Angela and the whole team at Acumen couldn't have helped me ny more than they have done!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

I had been given poor pension advice from a previous IFA and needed some advice on how to correct my position. Acumen were recommended by a couple of people as good reliable people.

How has Angela Maher helped you?

Angela and her colleague Daniel Frampton assisted me with an ongoing complaint against my previous IFA which was being investigated by The Financial Services Ombudsman. They also assisted to transferring my and my wifes pensions into a more suitable pension scheme.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing at this stage.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Yorkshire

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

When I started my career as a self-employed barrister, too many years ago to mention now, as well as securing the services of a good accountant, I wanted and needed the services of an excellent financial adviser.

How has Angela Maher helped you?

Over many years, Angela and Acumen have helped me with setting up my pension provision, trust funds/ISAs for my children's futures as well as guiding me through some of the stormy waters that can be the self-employed Bar, with assistance in securing specialist mortgage provision, life insurance and income protection policies.

Have you seen the outcome you were hoping for?

Angela and Acumen's expertise in all things relating to financial advice has allowed me to be 100% confident that these important aspects of my life are where they should be, so yes - I have seen and continue to see the outcome I hoped for.

What could they have done better?

The service provided is second to none - Angela and her team are always immediately responsive to any query/issue that I need assistance with. I have no complaints about any aspect of their service and can't think of anything they could do better!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Wish to ensure I could leave money for my grandchildren in a Bond that would grow with them.

How has Angela Maher helped you?

Yes

Have you seen the outcome you were hoping for?

Too early to say with the current economic climate.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Being a young solicitor with a family my husband was looking for good financial guidance which would help him plan for his future and retirement.

How has Angela Maher helped you?

Angela helped him to do this and was always very approachable, giving clear advice both verbally and in writing. Everything was fully explained so that confident decisions could be made as regards a pension, inheritance planning and investments. Regular reviews were always useful particularly if changes needed to be made as regards our needs.

Have you seen the outcome you were hoping for?

Yes. After over twenty years of financial planning with Angela my husband retired with a good secure pension.

What could they have done better?

Nothing I am happy to say. Since my husband died Angela has been a tower of strength continuing to guide me through matters relating to changes in the estate. No matter how difficult I found things, speaking to Angela made me feel calmer thanks to her sympathetic ear and patience.

Angela's reply

I am so touched by your review Maureen, thank you very much. I’m always available as you know and for my part I can say that it has been a privilege to be your adviser all these years. Thanks again, Angela

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

As my wife and I were approaching our 50’s, we started looking forward to our retirement. I had always been aware of my financial planning from the age of 18. However what we needed now was someone who could take our investments and pensions and put them to work for us, to give us the early retirement we longed for.

How has Angela Maher helped you?

Angela has helped by advising us on all the aspects of financial planning including investments, pensions, wills etc

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Angela's reply

Thank you so much for your kind comments, it has been a pleasure to get to know you both and I am delighted that you have been happy with the way we have looked after you. Best wishes, Angela

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Early retirement

How has Angela Maher helped you?

Advised with financial planning projections, investment management and ongoing financial advice

Have you seen the outcome you were hoping for?

Yez

Angela's reply

Thank you so much for this review- it is very much appreciated! I am so glad that we are providing the service that you are looking for and feel confident in the advice. Best wishes Angela

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Transfer from company pension schemes to SIPP

How has Angela Maher helped you?

Angela has provided invaluable advice on my wider financial situation. She is knowledgable, highly professional and responsive. I have, without reservation, introduced other individuals to her for advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Angela's reply

Thank you so much for taking the trouble to leave a review for me- I really appreciate it and I am delighted that you also feel confident to recommend us to others. Best wishes Angela

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

I'd just set my own business and didn't have a pension so thought it would be a good time to set something up.

How has Angela Maher helped you?

I now have a pension in place which is performing well all things considered. Angela is always available for advice and there are no hidden charges.

Have you seen the outcome you were hoping for?

So far yes. The service from the whole team at Acumen is exemplary.

Angela's reply

Thanks for taking the time in your busy day to leave this very positive review, it is much appreciated. Always a pleasure to be of help. Regards, Angela

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

I have been a client of Angela's for a number of years and have always reached out to her for sound financial advice and guidance. Most recently it has been to do with financial planning and investments/savings post retirement.

How has Angela Maher helped you?

As always Angela has been professional, dedicated and understanding. Angela's wealth of experience and willingness to listen to her client's needs coupled with her ability to review/establish your attitude to risk means that you feel "safe in her hands".

Have you seen the outcome you were hoping for?

Yes, in spite of the current financial situation that the Country finds itself in, I still believe I am on the right track following her advice/recommendations.

What could they have done better?

Do not have any areas for improvement and in fact have encouraged my children (young adults) to reach out to Angela's company/team as they look to establish their futures which I would not have done had I not been fully committed to the services they provide.

Angela's reply

Thanks for this review Carl, I really appreciate the kind words and of course the fact that you have recommended your children is the best endorsement we could possibly have. Best wishes to all the family, Angela

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Being self-employed and with a private pension and savings and investments I felt it was very important to take professional advice.

How has Angela Maher helped you?

Her understanding of current legislation and expert knowledge in respect of pensions, investments and inheritance tax planning together with her guidance regarding options and alternatives has been invaluable in helping with my current financial planning and longer term goals.

Have you seen the outcome you were hoping for?

Yes, in these difficult times I am delighted with the outcome and future potential prospects.

What could they have done better?

Nothing, I am currently very satisfied.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Manchester

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

Transfer of pension pot

How has Angela Maher helped you?

Angela was really informative and assisted me with financial advice around my pension. She and her colleagues were very informative and knowledgeable and gave me options around my future retirement plans. I am also able to upload documents and view my investments at any time. Strongly recommend Angela and Acumen

Have you seen the outcome you were hoping for?

Yes ..albeit there are concerns with the worldwide economy at present and investments but the service has been professional and bespoke around my needs.

What could they have done better?

Nothing

Angela's reply

Thank you so much for this review, I an delighted that we are “getting it right”. Reading that you would feel so confident about recommending Acumen to others has made my day! Thank you! Best wishes Angela

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Nottinghamshire

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

I have a small amount of savings I want to add to and get the best return from them

How has Angela Maher helped you?

She has taken me through all the potential areas I could invest, looking at risk. She has also reviewed my pensions to see if they could be more beneficial invested somewhere else

Have you seen the outcome you were hoping for?

So far so good

What could they have done better?

Nothing

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

I wanted to transfer my Company Pension to a Private Pension

How has Angela Maher helped you?

Angela reviewed all my finances and explained in great detail my options. She helped me reach a decision on the way forward to completing the transfer.

Have you seen the outcome you were hoping for?

Yes

Angela's reply

Thank you so much for this review, I really appreciate it. It matters enormously for me to know that I have delivered on my commitments and promises and that you feel so comfortable in discussing non-financial matters too. Thanks again! Best wishes Angela

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Angela and her team provide excellent financial services advice and process. I trust their advice implicitly and have never had reason to doubt it. They are available at short notice, just a phone call away. They are professional, friendly, straight-talking, and I have recommended them unreservedly to colleagues, friends and family.

How has Angela Maher helped you?

Mentoring and advice on pensions transfer to make sensible decisions on where to invest for both our long and short-term needs.

Have you seen the outcome you were hoping for?

Yes we have.

Angela's reply

Thank you so much for this review, I couldn't be more pleased to see that we have delivered what we set out to do for you.

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 inherited some money and needed specialist advice on how to invest it.

How has Angela Maher helped you?

We had several meetings to go through my financial situation and future plans and then Angela advised me on the best way forward in relation to investing money I had inherited, going through the benefits and potential drawbacks. She also looked at my pension to see if that was the right plan for me.

Have you seen the outcome you were hoping for?

Not yet, as it is too early. The money I have invested is for my retirement so I am hoping it will grow over the long term.

What could they have done better?

Nothing

Angela's reply

Thank you for your review Hannah! I’m delighted that you feel we have got everything right for you so far and i will liil forward to helping and advising you in the years to come.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

I have a number of DB pension schemes and I wanted to look at the merits and feasibility of transferring my pension out of these schemes

How has Angela Maher helped you?

Angela helped initially by providing advice on the considerations for transferring out of my DB schemes and options for investment management. Although the transfer was evaluated and carried out by another Financial advisor, Angela helped guide me through the process.

Have you seen the outcome you were hoping for?

Yes. I am very satisfied with the outcome and look forward to working with Angela and Acumen in the future.

What could they have done better?

I have been very satisfied with the help and support so far, and now we need to turn concepts discussed into much more concrete plans.

Angela's reply

Than you so much for providing this review , i really appreciate it. -and I am delighted that we will be working with you going forward. Best wishes Angela

Review from verified client

December, 2021

Overall

Service

Value

Advice

Based in Devon

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

Early retirement wanted to transfer my pension

How has Angela Maher helped you?

Provided advice on the investment of my funds

Have you seen the outcome you were hoping for?

Ongoing

What could they have done better?

Nothing worthy of note

Angela's reply

Thanks for taking the time to leave a review, it’s very much appreciated.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Moving from a large corporate company to a small family owned business, I wanted some advice on transferring my pension into a different scheme.

How has Angela Maher helped you?

Yes, her knowledge was vast and she was able to answer any questions I had.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, I was happy with all advice.

Angela's reply

I’m so pleased to hear everything us going well and that you’re happy with our advice. Thanks so much for taking time to share your experience.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

I required expertise in investing surplus monies

How has Angela Maher helped you?

A thorough review of my circumstances and detailed discussions to decide what type of investments and which providers to use to suit me

Have you seen the outcome you were hoping for?

Yes my investments are well looked after and are doing very well

What could they have done better?

I am fully satisfied with the service provided

Angela's reply

Great to receive this review - thank you so much for taking the time to give me this endorsement. Its greatly appreciated.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

How to manage finances and invest for the future

How has Angela Maher helped you?

Financial planning and investment planning - Angela helped me out a clear plan in place that is helpful now and in the future. I feel confident I have invested my money wisely and feel more in control of my finances.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing, I would highly recommend them

Angela's reply

So delighted to read this - thank you for taking time out of your hectic schedule to do this review!

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Many years ago we were considering early retirement. We needed advice to assess our financial position and suggested investment that would enable us to do so.

How has Angela Maher helped you?

Angela provided us with options and an understanding of their implications.

Have you seen the outcome you were hoping for?

Options chosen were able to cope with the market and our requirements so that we had an income that met our current and future needs. As the markets have changed and our need for a stable income have also changed so to as the advice and options chosen to provide an optimum outcome.

What could they have done better?

Can not think of anything.

Angela's reply

Thank you very much for for taking the time to leave such a great review! It’s so appreciated and good to hear we are getting it right.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Retirement

How has Angela Maher helped you?

Giving sound financial advice regarding the sale of the family business. Her approach is very professional, but she is wonderful in understanding individual needs

Have you seen the outcome you were hoping for?

Yes so far it is steady and making sure all the financial foundations are well and truly in place for further growth

What could they have done better?

Nothing

Angela's reply

Thank you very much for your endorsement Sarah, very much appreciated.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

I required guidance in respect of pension income drawdown and inheritance tax planning.

How has Angela Maher helped you?

A very competent and knowledgeable adviser, able to explain clearly all the options, together with the pros and cons. Tailored advice to my individual circumstances.

Have you seen the outcome you were hoping for?

Yes, excellent outcome with ongoing advice.

What could they have done better?

No, improvements not needed.

Angela's reply

Thank you so much for taking the time and trouble to leave such a positive review. I really appreciate it!

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Angela sorted the SIPP for my commercial premises a number of years ago, but recently I have sold my business and Angela has given me and my wife wise council on what to invest in and the best way to look after both our and the families interests.

How has Angela Maher helped you?

When I was selling my business and I knew we would need sound advice I asked 3 Financial advisor for their opinions on what we should be looking to do, Angela's advice and reasoning behind it stood out.

Have you seen the outcome you were hoping for?

yes the investments are doing what was indicated

What could they have done better?

Nothing, it was quite refreshing that questions that do "don't know to ask" are posed for you and answered so you actually get a much broader overview so my wife and I could make informed decisions. I never felt like difficult questions where being avoided, everything discussed was open and honest

Angela's reply

That is a wonderful endorsement, thank you, I feel great pride in having delivered this result for you and look forward to building in this in the years to come.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

Angela has been advising me and my husband since we retired in 2003.

How has Angela Maher helped you?

When my husband died in January this year she helped me to consider my financial options.

Have you seen the outcome you were hoping for?

Yes, my investments have grown in spite of some dips.

What could they have done better?

Nothing!

Angela's reply

It is really good to hear that you are so happy with our service, it is always a pleasure. Thank you for taking the time to send this review, it is hugely appreciated.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

As I came up to retirement age advice was paramount

How has Angela Maher helped you?

Her professional advice over the years has been invaluable.

Have you seen the outcome you were hoping for?

Yes. Our quality of life is more than acceptable thanks in part to aSmgela

What could they have done better?

Nothing

Angela's reply

Thank you so much Maureen, I really appreciate the feedback.

First impression from a user who is not yet a client

June, 2021

Overall

Please provide a brief comment about your experience with Angela

I recently met with Angela and her colleague Philip Jones to discuss my pension management. Their knowledge and support was excellent, taking time to thoroughly explain all the areas and questions I raised. I would wholeheartedly recommend this company, and am looking forward to a long and rewarding relationship with them.

Angela's reply

Thanks for taking time to leave such a positive review, David. I am delighted to welcome you as a client and Phil and I are looking forward to getting to know you better and helping you achieve the outcome you are looking for in the future.

First impression from a user who is not yet a client

December, 2020

Overall

Please provide a brief comment about your experience with Angela

Friendly, efficient, reliable

Angela's reply

Thanks for taking trouble to give me this review at such a busy time for you! I really appreciate it.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in London

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

Investments and savings advice to assist with the purchase of a first home.

How has Angela Maher helped you?

Angela gave me excellent advice tailored to my needs and situation based on a thorough assessment of my personal situation.

Have you seen the outcome you were hoping for?

It is still early days on the investment front, but I am certainly happy with the direction things are heading in.

Angela's reply

Great to see this review Jack, thank you for taking the time to post it. It’s been really good working with you and putting together a proper strategy to help achieve your objectives and we’ll look forward to continuing to assist you as we go forward from here.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Conwy

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

My personal pension matured i sought advice on the best way to invest and meet my future financial needs. I also required advice on how best to give financial support to my children

How has Angela Maher helped you?

She recommended the most suitable investment management company for the pension. Angela has introduced us to an equity release advisor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Angela has been fantastic and efficient I don’t think anyone could do better.

Angela's reply

Thanks for taking time out of your day to give your feedback - I am always delighted to be of help.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lancashire

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

Inherited money from my mother and pension lump sums on retirement

How has Angela Maher helped you?

Angela took great care in understanding both my long term needs and the level of risk I was prepared to take. A very holistic approach was taken. Time was taken to ensure I fully understood the investments made. As time has gone along She has constantly monitored my investments and so I feel secure leaving it to her.

Have you seen the outcome you were hoping for?

Yes..with a balance of investments we have been able to draw a steady income

What could they have done better?

No . Highly satisfied

Angela's reply

Thanks so much for your kind review. I am delighted to know that you have peace of mind as a result of our reviews. That is so important.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in London

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

Funds saved to invest

How has Angela Maher helped you?

Prompt friendly accessible advice

Have you seen the outcome you were hoping for?

Yes

Angela's reply

Great to see that you have got the result you were looking for. Thanks for taking the time in your busy day to post this, it is genuinely appreciated.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

Death of previous IFA

How has Angela Maher helped you?

Took over from previous IFA and made recommendations

Have you seen the outcome you were hoping for?

Work in progress

What could they have done better?

No comment

Angela's reply

Thank you for taking the time to post this Ray. I am very much looking forward to developing the professional relationship in the future.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Approaching retirement and needed advice.

How has Angela Maher helped you?

Gave me excellent advice on how to consolidate my pensions. Also helped me set up wills ands LPA’s.

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Did everything well and have continued giving excellent advice and service

Angela's reply

Thanks Phil, I am so pleased to read this and your review also indicates that we have a 360' view of financial planning, including Wills and LPAs are properly in place too, which is so important. Thanks for taking the time and trouble leave this review.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Manchester

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

Upon deciding to retire early

How has Angela Maher helped you?

She gave me invaluable advice and support on discussing my options and gave me the confidence to invest my pensions and savings for the future

Have you seen the outcome you were hoping for?

Yes , whilst the pandemic has obviously affected markets my investments have grown which is testament to her advice

What could they have done better?

Nothing that I can think of both Angela and the team are always available should I have any queries or am looking for advice

Angela's reply

Thank you so much for this review Roger - 2020 has been such a difficult year. I'm really pleased that my advice has given you confidence too and as you say, we are always available if you need us.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

1997 first encountered Angela Maher and have been with her ever since.

How has Angela Maher helped you?

Discussed Financial Planning in a way I could understand.

Have you seen the outcome you were hoping for?

Yes and able to develop.

What could they have done better?

Feel Angela and team are still providing financial expertise/support to my needs.

Angela's reply

Thank you Sheila for taking the time and trouble to share your thoughts. It's great to know that we are still providing you with the quality advice you need when you need it, as our association goes back even before I set up Acumen Financial Partnership!

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

I have known Angela for a number of years and have always reached out to her for financial planning advice across a broad spectrum. Most recently it has been to do with Retirement/Pension and Investments/Savings.

How has Angela Maher helped you?

As always Angela has been very professional and understanding. Her wealth of experience coming to the fore as we discussed not only my wants/desires but also my attitude to risk thereby ensuring I remain both comfortable and confident with the advice being given.

Have you seen the outcome you were hoping for?

Yes. It is great to know that my financial well being could not be in better hands.

What could they have done better?

Totally happy with service received and do not have any suggestions for improvement.

Angela's reply

I'm delighted to read your review Carl, it makes me very proud to see what you have said here. Thank you.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Denbighshire

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

We unfortunately got bad pension advice with another advising company Angela has helped us wade through the nightmare that we got our selves into and helped us immensely and reinstated our confidence.

How has Angela Maher helped you?

She is helping us move our pensions away from a bad investment from our last advisors.

Have you seen the outcome you were hoping for?

Yes and more! She is invaluable in her expertise and knowledge and we have total confidence in her and her company.

What could they have done better?

Angela has gone above and beyond all our expectations with her experienced knowledge and help in our nightmare bad investment prior to her taking it over.

Angela's reply

Thank you so much for this great review- it’s been my pleasure to get you back on the right track.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

I was retiring and needed investment advice

How has Angela Maher helped you?

She helped me structure a sensible financial portfolio allowing for level of risk I could accept

Have you seen the outcome you were hoping for?

Yes with her advice and my judgement I am satisfied

What could they have done better?

Maybe reduced total fees

Angela's reply

Thank you so much for your positive review - our charges are something we keep under very close review and we are confident that we offer very good value so thank you for giving me an opportunity to talk about fees. We know from detailed research that we are significantly better value than other advisers both on initial charges where we our fees are below the typical charges and very importantly on the ongoing charges which are 25% less than the average! That really makes a difference over your investment term! We appreciate that fees are an important part of our overall package which is why it’s an area we always keep an eye on - we won’t cut corners though, and I know you wouldn’t want us to do. As Warren Buffett said “Price is what you pay. Value is what you get”.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

I believe that everyone in business should use the services of a reputable IFA to help with personal financial planning

How has Angela Maher helped you?

Angela has helped enormously with advice relating to my SSAS pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Really can't think of anything

Angela's reply

Thanks for taking the time to review your experience with us Caroline, I really appreciate it .

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

We were looking for advice about pensions transfer and pensions in general. My wife and I both had options to transfer from DB schemes and I had further portfolio complexity to discuss.

How has Angela Maher helped you?

Angela reviewed our circumstances, appetite for risk and overall portfolio. She then suggested courses of action and explained all of the processes and charges involved. The actions recommended have been very different dependent on circumstances so we are very pleased that she and her organisation are genuinely taking our best interests into account when advising us. We are currently engaging her and her team to continue making recommendations. She gives us great confidence that our finances are in good hands having taken her advice, so much so that I am recommending her services to colleagues seeking similar assistance.

Have you seen the outcome you were hoping for?

Yes we have seen the outcomes we have been hoping for and have no issues in that respect.

What could they have done better?

At this stage I have no suggestions, the service has been excellent

Angela's reply

Thank you very much for taking the time to post this - it is very encouraging that you feel so confident in how we deliver our service that you are happy to recommend us to others.

First impression from a user who is not yet a client

December, 2019

Overall

Please provide a brief comment about your experience with Angela

The service provided by Angela was very professional and thorough. I would recommend.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Angela

Angela (and her team) provided a very clear and complete summary of the services/expertise they could provide and how it could add value to my decision making with regard to pension investments. She showed great flexibility in fitting in with my schedule and arranging further more detailed discussions with herself and others to further aid my decision making. It is worth noting that she was very clear in outlining both positive and negative aspects of the various investment choices available which has been very helpful in my decision making.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Angela

Very sensitive to clients concerns and issues, and with a very patient and empathetic manner develops a relationship of trust and respect which is very reassuring. Her open and honest approach quickly helps to develop a high degree of confidence throughout the journey of financial planning and investment.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Angela

Friendly professional service

Angela's reply

Thank you for taking the time to post this review, Allan. I'm delighted we are able to help and look forward to developing our association and being of assistance to you.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

I needed someone who would provide impartial advice on my final salary pension and possible transfer, due to my personal circumstances and the need to have access to money before scheme retirement age and achieve a greater flexibility than the scheme offered.

How has Angela Maher helped you?

Angela provided a wealth of information and all possible options after talking extensively with me to understand my situation and my needs for the present and future. She introduced me to an investment manager who will also monitor my investment to ensure maximum returns for the risk I have selected to take.

Have you seen the outcome you were hoping for?

The outcome is in progress and I am really pleased that I now have a plan for the future and that my investment will be well looked after and feel confident that Angela and her team will look after me well.

What could they have done better?

Nothing that Angela could have done better. The report that she produced had to contain a lot of regulatory information which is quite heavy going to wade through, but I understand that this is necessary to ensure that she has been seen to provide me with all the background information and possible negative outcomes to enabel me to me an informed decision

Angela's reply

Thank you so much for this Cheryl - I'm delighted to hear that you are so pleased with our service and I'm looking forward to working with you in the years to come.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Having decided to retire early I needed advice on the pension options available to me

How has Angela Maher helped you?

I found Angela to be very professional and helpful and is clearly extremely knowledgeable in her field. Angela took the time to explain all the options / benefits/ risks etc available to me in a simple and easy to understand manner. Following that she allowed me plenty of time to consider my options, responding quickly to my many questions with no pressure and no hard sell.

Have you seen the outcome you were hoping for?

Yes I am happy with my pension arrangements and the follow up reviews with Angela.

What could they have done better?

Nothing to suggest

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

I was considering a pension transfer from a DB Scheme with my employer and randomly found ACUMEN on the UNbiased.Com website.

How has Angela Maher helped you?

Angela was extremly responsive initailly with a phone call to discuss my issue/opportunity and then with a short period of time followed up with a home visit at no cost to me. We have found Angela to be extremely knowledgable and willing to spend adequate time to ensure my wife and I are comfortable with the information and decisions we are taking. At no point is there any hard selling. We both feel that Angela has our best interests at heart and that we are developing a long and hopefully properous relationship together.

Have you seen the outcome you were hoping for?

Yes ~ My wife and I have both transferred DB Schemes with ACUMEN (Angela Maher). Each step of the way Angela or one of her staff have supported us. We are over 12 months now in to the process and Angela has provided a good level of information on our investments and the process as it progressed.

What could they have done better?

Now that we are beyond the initial process and we are simply tracking ouir investments I think it would be usful for ACUMEN (Angela) to faciliate expert or sharing forums for her clients. ACUMEN clients are clearly interested in their financial well being so offering opportunities to discuss topics possibly in the evening would be seen as a value added element. Recently attended such an evening with Hargreaves Lansdown regarding 'Pension Drawdown' which was very interesting with examples of what could go wrong and what works well.

Angela's reply

Thank you for your very positive comments, they are greatly appreciated. We have done a number of client events - the most recent one was up in Garstang for clients of our Pilling office, however like most of the others, it was an afternoon event. I'm very keen to look at the idea of an evening event for clients and will discuss this next week when Jon Landy, my fellow director is back from holiday. We will put you on the list for invitations as soon as we have it scheduled so thanks for the excellent suggestion.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Middlesex

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

To get the most out of my money.

How has Angela Maher helped you?

She helped me take the correct steps to look after my money and was incredibly helpful along the way. If it wasn’t for her, I wouldn’t have known what to do!

Have you seen the outcome you were hoping for?

Yes, better than expected!

What could they have done better?

Absolutely nothing! I couldn’t fault her.

Review from verified client

September, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

As a former Board member of the Institute of Financial Planning (IFP) and Director of Education with responsibility for the CFP Licence programme I was keen to ensure my personal adviser met all the quality standards required for financial planning advice at the highest level. Angela and her team constantly meet this expectation and I am delighted with the work Acumen continue to provide for my needs and those of my family.

How has Angela Maher helped you?

Angela is particularly mindful of the need to ensure she and her team are aware of our goals and objectives and they are always keen to ensure we receive the best advice even if it means referring us elsewhere.

Have you seen the outcome you were hoping for?

The pension portfolio Angela has put in place is exactly right for my requirements and the regular updates and meetings provided by Acumen ensure I am kept up to date.

What could they have done better?

Nothing - all is good!

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Cheshire

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

Putting in place my pension arrangements following a detailed review of the options.

How has Angela Maher helped you?

Provided expert, easy to follow, advice in a timely manner. Clearly had good knowledge of the subject and was able to move quickly to seamlessly put everything in place.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

I needed pension advice and met Angela at an event.

How has Angela Maher helped you?

Angela and her team have been extremely helpful and explained everything in a simple way. They are also very responsive. A great company.

Have you seen the outcome you were hoping for?

So far so good!.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Cheshire

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

Our previous financial advisor literally stopped looking after our investments. The company that we had dealt with for many years went through a management buyout and whilst they were engaged in this process we were left in limbo as clients.

How has Angela Maher helped you?

We interviewed three companies including Acumen Financial Planning which was headed up by Angela Maher. Angela met my wife and I and we discussed our need to appoint a new financial advisor. We discussed how Acumen could help us and also the costs and processes of changing to a new advisor.

Have you seen the outcome you were hoping for?

Yes we spent a considerable amount of time in selecting a new financial advisor and we are very pleased with the service and cost that Acumen has delivered. In essence our goals set up initially with Angela have been met.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Lancashire

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

Having reached retirement I needed advice regarding my SIPP pension plan, investments and my potential inheritance tax liability.

How has Angela Maher helped you?

Angela discussed my requirements with me at length, understood the issues and then provided me with background guidance on a range of options and provided a written report with her recommendations. I was very pleased with level of service, excellent advice and the costs involved.

Have you seen the outcome you were hoping for?

Yes, I am currently very pleased with the outcome, and I continue to receive on going reviews. I am taking a "drawdown" arrangement from my SIPP which has proved very satisfactory. I have invested in certain investments to potentially reduce my inheritance tax liability on death.

What could they have done better?

No particular changes recommended other than minor administrative issues.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Recent inheritance.

How has Angela Maher helped you?

Talked through various options, advised re: investment portfolio.

Have you seen the outcome you were hoping for?

Early days, but hopefully!.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

The move in the pensions market towards SIPP demanded good professional advice.

How has Angela Maher helped you?

By carefully consideration of our circumstances and Taylor if the advice accordingly.

Have you seen the outcome you were hoping for?

Yes indeed very little as the half yeR.

What could they have done better?

Very little as the half yearly reviews or at other times meant a close professional eye was being kept on the investment progress

Review from verified client

August, 2018

Overall

Value

Service

Advice

Based in Isle of Anglesey

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

My previous FA retired and Angela was recommended to me by my accountant.

How has Angela Maher helped you?

With all the above sections and with contentious probate.

Have you seen the outcome you were hoping for?

Yes. Investments good and very supportive with probate issues.

What could they have done better?

Nothing. Her service has been exemplary. She has also recruited an enthusiastic and loyal team of colleagues who have also been very helpful.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

On reaching the big 50 and having accrued several pensions I needed to review my current and future financial position. I have known Angela for a number of years, and even after shopping around Angela & Acumen came out head and shoulders above the rest.

How has Angela Maher helped you?

Angela analysed my current financial position, attitude to risk, plans for the future and discussed in detail the options open to me. This was done with plenty of thinking time to reflect on the options, so there was no pressure to make a decision.

Have you seen the outcome you were hoping for?

The outcomes opened up options that I was previously unaware of. So far so good.

What could they have done better?

I think Angela and the team have been excellent.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Cheshire

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

looming retirement from nhs, complicated lifetime allowance issues, needed to know how to apply for protrection.

How has Angela Maher helped you?

completely understood my situation. issues sorted very quickly no endless follow up meetings.

Have you seen the outcome you were hoping for?

switched the private pensions, I'm amazed at the returns! helped me apply for pension stuff, gave me excellent advice on the complex NHS system.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

For advice on funds and investment for myself and my husband following retirement.

How has Angela Maher helped you?

Angela advised on the best ways to invest my redundancy monies to achieve the maximum long term benefit with the risk factor I preffered . I also sought her advice about on the best way to proceed with finances when I returned to work on a part time basis temporarily and also when I wanted to withdraw money for my daughter`s house purchase.

Have you seen the outcome you were hoping for?

Yes . We have met with Angela for an annual review and achieved good return on investments. She has fully explained the decisions made. When I needed to ask questions about returning to work and withdrawing money for my daughter, Angela was very prompt in replying to requests for advice.

What could they have done better?

Nothing - all has been excellent

Review from verified client

August, 2018

Overall