Reviewed for

Insurance and Protection ( 13 )

Mortgages ( 24 )

Pensions ( 49 )

Equity Release ( 14 )

Retirement income (annuities, drawdown) ( 27 )

Auto Enrolment ( 2 )

Investments and Savings ( 57 )

Pension Transfers - Non Specialist ( 13 )

Inheritance Planning ( 12 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 6 )

Financial Planning ( 5 )

Financial Mentoring ( 2 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 4 )

£200k - £500k ( 10 )

£100k - £200k ( 4 )

( 1 )

Up to £50k ( 13 )

£50k - 100k ( 7 )

Client reviews

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Thornton and his team have been excellent in looking after our financial planning and pensions.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Northamptonshire

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

How has Thornton Holmes helped you since your last review?

Excllent advice regarding necessary drawdown.

Thornton's reply

Thanks Richard and glad to be of service!

Repeat review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Suffolk

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

How has Thornton Holmes helped you since your last review?

Thornton continues to offer us excellent advice and help with any financial matters that we refer to him. These have been current investments and pension questions and withdrawals.

Thornton's reply

Thanks Kevin, Always here if you need us!

Repeat review from verified client

December, 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 Thornton Holmes helped you since your last review?

Thornton And his staff are extremely helpful, polite and very understanding.

Repeat review from verified client

December, 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 Thornton Holmes helped you since your last review?

He has kept us updated with how things are going

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

Career change and inheritance.

How has Thornton Holmes helped you?

Advised on pension consolidation, post career income and invstrments.

Have you seen the outcome you were hoping for?

Yes...... Covid and post covid situations have impacted on finances.

What could they have done better?

Mores support for proposed property change.

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lincolnshire

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

How has Thornton Holmes helped you since your last review?

He has helped us with the release of some of some money by giving us the correct guidance.

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Thornton continues to manage my pensions and has been a great advisor on Financial planning, I would not hesitate to recommend him.

Thornton's reply

Thanks Tom - fingers crossed!

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Regular updates through e mails

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

How has Thornton Holmes helped you since your last review?

Performance continues to be excellent even in these turbulent times and the service remains first rate.

Thornton's reply

Thanks Richard! :-)

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

How has Thornton Holmes helped you since your last review?

Thornton and his team continue to provide excellent advice in these uncertain times and our investments have flourish . Thank you for you professional service

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Again, Thornton keeps us updated regularly, he is always at the end of the phone if we need him, and he will always do anything to help us.

Thornton's reply

Thanks Barry, glad to be of service!

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

My pensions remain in safe hands. I have since recommended his services to colleagues who I hope become clients.

Thornton's reply

Thank you Tom - look forward to catching up soon!

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lincolnshire

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

How has Thornton Holmes helped you since your last review?

Since my last review, Thornton has assisted me in transferring a deferred DC pension scheme to my private SIPP. Taking the time to listen and respond with a measured and risk based response has allowed me to target this transfer in a way that meets my beliefs in a far more complimentary way, reflecting my beliefs and investment preferences.

Thornton's reply

Thank you Peter and to you. I am in constant touch with Matthew and his replies are re assuring :-) Thornton.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Contact through e mails.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Isle of Anglesey

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

How has Thornton Holmes helped you since your last review?

I have known Thornton for many years. I continue to hold a very high opinion of his services. I can only endorse what I said last year and would say again now.

Thornton's reply

Thank you Andy - and to you! :-)

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

I accidentally missed filling in the first section so am doing it again

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

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

How has Thornton Holmes helped you since your last review?

Obviously we have not met face to face because of Covid. Returns over the year have been much better than anticipated at the start.

Thornton's reply

No problem Richard. I am back in from Wednesday as been on holiday (at home!). We can organise a Zoom meeting. Thornton.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

More discussion and advice. Nice for you to visit me at home because of the lockdown. Thank you

Thornton's reply

It's a pleasure Jean.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lincolnshire

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

How has Thornton Holmes helped you since your last review?

Thornton continues to provide valuable support and insight - he is knowledgeable and trustworthy which makes him a "go to" person for advice and assistance.

Thornton's reply

Thanks for your kind words Katherine!

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

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

How has Thornton Holmes helped you since your last review?

Thornton has kept me well informed about current financial matters and investments have increased .

Thornton's reply

Thank you Barbara and to you!

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lincolnshire

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

How has Thornton Holmes helped you since your last review?

he keeps us updated on how our investments are doing, and if ever we need to talk to him, nothing is never too much trouble.

Thornton's reply

Thank you Barry, very much appreciated! We're always here if you need us.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Thornton is a truthful and upfront mentor. Talks in a no nonsense manner which helps me no end in regards to taking the right steps for the business

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

How has Thornton Holmes helped you since your last review?

Sound advice on the topics above.

Thornton's reply

Thank you Steve :-)

Repeat review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Suffolk

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

How has Thornton Holmes helped you since your last review?

The investments have proved to be a real bonus. We are very happy.

Thornton's reply

Thank you Richard. We are very pleased with performance! Thornton.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

My pensions are now all in one place and are being expertly managed by Thornton and his team. I would not hesitate to recommend him.

Thornton's reply

Definitely! And thanks for the review Tom. Thornton.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Regular contact

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

How has Thornton Holmes helped you since your last review?

I am now looking to invest some of the tax free cash that I received over the next 20 years to achieve income and maintain capital. We also discussed IHT options on our estate.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

I initially looked for a financial advisor as I had a poor performing pension fund that I wanted to resolve. More recently Thornton and his team have advised my wife and I on a new mortgage too suit not just the property we were looking to purchase, but also one that suited our financial aspirations of a future debt free lifestyle.

How has Thornton Holmes helped you?

Thornton completed a thorough review of my pension provisionning which included all the pension arrangements I had, not just the poor performing one I contacted him about. He made recommendations in respect of each and guided me confidently through the decisions I needed to take to help me achieve my desired goals. The mortgage we were recommended does everything we need, with the flexibility to achieve our aspirations sooner should we choose to.

Have you seen the outcome you were hoping for?

Yes. The fund I was most concerned about was transferred, and performance improved almost immediatley. We have, and are making significant inroads in becoming mortgage free while having the flexibility to take breaks.

Thornton's reply

Thank you Peter, I really appreciate the review! Thornton.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Norfolk

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

How has Thornton Holmes helped you since your last review?

He has given me some advice on a investment matter.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Isle of Anglesey

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

How has Thornton Holmes helped you since your last review?

He has kept me in touch with my pension portfolio and makes regular reports. He is a friend but I would stress that I also am always impressed by his passion for the subject, his knowledge of the pension area, and his desire to provide a great service. I would also include his business partner Rachel in all these comments.

Thornton's reply

Thanks from us both Andy! Thornton.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Suffolk

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

My wife and I needed to bring to together and review all our Financial dealings, mortgages, policies etc etc

How has Thornton Holmes helped you?

He gave brilliant advice on what to keep, how to get the best out of the investments we had together with the best insurance and mortgage deals.

Have you seen the outcome you were hoping for?

Yes definitely in all dealings we have had.

What could they have done better?

To be honest i really cannot think of anything as we have been perfectly satisfied with the professional service given.

Thornton's reply

Thank you both! Your comments are very much appreciated :-) Thornton.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

Discussion regarding savings

Thornton's reply

Thank you Jean :-)

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Northamptonshire

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

How has Thornton Holmes helped you since your last review?

Thornton has been invaluable helping me to navigate my financial investments. I trust Thornton s advice which is so important

Thornton's reply

Thank you Barbara :-)

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

How has Thornton Holmes helped you since your last review?

They obtained a new mortgage for me .

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

we needed support from both a business and a personal perspective with financial matters

How has Thornton Holmes helped you?

Thornton provides helpful and pragmatic advice and practical support. He is accessible and approachable and deals with queries in a helpful way

Have you seen the outcome you were hoping for?

Yes, without question

Thornton's reply

Thank you Katherine! Thornton.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Surrey

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

I needed advice and help to sort out my finances as I near retirement age

How has Thornton Holmes helped you?

He was extremely knowledgeable, patient and helpful. He explained everything so well to ensure I understood. He transferred a pension, gave mortgage and savings advice.

Have you seen the outcome you were hoping for?

So far everything has gone very well and outcomes are good

What could they have done better?

I can’t think of anything he could have done better. Thornton and his colleagues at Orchid are all very helpful and knowledgeable.

Thornton's reply

Thank you Emma. Really appreciate your comments! Thornton.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

I've always been self employed and had previously used an IFA to help with my pension and life assurance policies. When that IFA retired, I needed to find someone I could trust to help me with the ongoing financial questions and choices I needed to make.

How has Thornton Holmes helped you?

Thornton helped me with my personal pension review, this lead to me transferring my pension. He helped my business with a stakeholder pension scheme, which then became help with auto enrolment. Thornton has also helped with mortgage advice.

Have you seen the outcome you were hoping for?

Thornton's advise enabled the pension fund to increase with reduced management fees. His support has enabled our business to be compliant with all of auto enrolment regulations. He also gave us the correct advice regarding our mortgage.

What could they have done better?

Thornton has always been available to answer any question I've needed to ask, I can't think of anything he could do better...

Thornton's reply

Thank you Steve, your review is valued and appreciated!

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Surrey

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

Business owner and welfare of my family

How has Thornton Holmes helped you?

Thornton is my go to person on all matters relating to Investments/Mortgages/Pensions honest trustworthy with excellent advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing ...Thornton is always available and very supportive and insightful.

Thornton's reply

Thank you Andrew - most appreciated!

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Starting a business

How has Thornton Holmes helped you?

Concise easy to understand sound advice and follow through

Have you seen the outcome you were hoping for?

Yes I am still in business and I still receive excellent advice and support

Thornton's reply

Thank you Roland. It is a pleasure! Thornton.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Northamptonshire

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

Impending retirement from full time work and inheritance of parents'estate.

How has Thornton Holmes helped you?

Comprehensive analysis of the situation vis a vis pensions and inheritance. Options and possibilities clearly explained.

Have you seen the outcome you were hoping for?

So far yes...... the situation has now stabilised and returns are better than expected.... given the current uncertainties in the UK.

What could they have done better?

Nothing really..... maybe have a separate meeting room. For example..... it would be uncomfortable discussing say divorce planning or medical issues in an open office.

Thornton's reply

Thank you Richard. Most appreciated! We do always give clients the option of closing the door to our personal office area for privacy if required :-)

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

because we wanted to release equity from our property

How has Thornton Holmes helped you?

by getting the equity actually released from our property

Have you seen the outcome you were hoping for?

yes we have

What could they have done better?

nothing, he was very professional towards us, we were made very welcome, and received excellent advice, anall things went through very smoothly

Thornton's reply

Thank you Barry, you are both most welcome! Thornton.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Looking to access part of a corporate pension

How has Thornton Holmes helped you?

Careful explanation of all available options, a seamless transfer and follow-up advice on tax planning.

Have you seen the outcome you were hoping for?

Absolutely - sound advice and access to the pension fund.

What could they have done better?

Nothing - all worked well and in a timely manner.

Thornton's reply

Thank you Garry, realy appreciate your comments! Thornton.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I had several pensions which I wanted to get the most from and was looking to have them transferred into one pot. I also required life assurance.

How has Thornton Holmes helped you?

He investigated the best way forward with the pensions. It turned out that leaving them as they were was the best option, he gave best advice although it meant no fee ! He also helped with critical illness cover and life assurance, the product he advised is fantastic and give me peace of mind.

Have you seen the outcome you were hoping for?

Absolutely ! I was delighted with the service.

What could they have done better?

Nothing ! He was prompt and kept me appraised of progress at all times.

Thornton's reply

Thanks for the kind words Jason!

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We first contacted Thornton and the Team at Orchid for advice on our Mortage

How has Thornton Holmes helped you?

For nearly 20 years Thornton and the Orchid Team have been helping us with our finances; Mortgages, Pensions and Life Assurance policies. They always put a lot of time and effort into finding us the best solutions for our financial needs. Over the last two years you have also helped two of our closest relatives... You have worked a miracle with one, resolving a financial problem that nobody else could help with. He is now enjoying freedom from financial pressure and living in a home that is fully paid for. The other had investments that were reaping zero return. Through your wise investments they are now giving her a second pension and a lot of peace of mind.

Have you seen the outcome you were hoping for?

I believe that not only has Thornton and The Orchid Team given us the best Financial advice, they have saved us money on our Mortgage and made us good money on our investments. Also the peace of mind they have given us cannot be underestimated.

What could they have done better?

We have been so happy with the advice that we have received that we have referred Thornton and his team to our closest friends and relatives.

Thornton's reply

Thank you Martin. We really appreciate your referrals! Thornton.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Access to a company pension

How has Thornton Holmes helped you?

Thornton and his team took time to understand my goals and showed careful attention to detail throughout their investigation of my current financial position. In time, they recommended a new Self-Invested Personal Pension plan and explained, in words of one syllable, how I could access some tax-free cash from my pension and transfer the remainder to a more flexible provider. The subsequent paperwork and process was handled quickly and efficiently and Orchid kept me updated throughout. The transfer and release of funds was very straightforward. Thank you Thornton, and everyone at Orchid, for your very professional service. I’d happily refer you to friends and family.

Have you seen the outcome you were hoping for?

Exactly, yes - I got access to tax-free cash and transferred the remaining pension to a SIPP.

What could they have done better?

Nothing - every part of the process went smoothly.

Thornton's reply

Thank you for the review!

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We needed help and advice with...Mortgages, Pensions and Life Assurance policies. Also two of our relatives have needed help with financial difficulties and with investments.

How has Thornton Holmes helped you?

Thornton and his team have arranged Mortgages, Investments, Pensions and our Life Assurance Policies

Have you seen the outcome you were hoping for?

For ourselves, we have peace of mind knowing we have good Pensions and Life Assurance cover. For our relatives, Thornton has helped give freedom from financial stress and turned investments that were achieving nothing, into a second pension.

Thornton's reply

Thank you for the kind words Martin! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Investment advice

How has Thornton Holmes helped you?

Advised best way to invest

Have you seen the outcome you were hoping for?

Not yet as recent investment

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Isle of Anglesey

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

I have known Thornton and his colleague Rachel Garner over a number of years, and asked them for advice on various matters including raising a mortgage and remortgaging, setting up a pension scheme and investment advice.

How has Thornton Holmes helped you?

Thornton combines a passion for his subject with a deep understanding of its complexities. He understood very well my concern for a conservative, cautious approach to investment advice and security for my money and he adapted his own advice accordingly. I believe that this is his approach to any client

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

I honestly can't think of advice on how to do his job better.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Northamptonshire

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

Inheritance from family combined with end of full time employment and commencement of own consultancy.

How has Thornton Holmes helped you?

In depth analysis of my circumstances, appreciation of my objectives and detailed research and subsequent advice.

Have you seen the outcome you were hoping for?

Already beginning to bear fruit but the consolidation of assets process is not yet fully complete.

What could they have done better?

I'm not sure! The options and suggested avenues were all carefully explained in an understandable way. The ability to meet face to face is crucial..... not my experience with my previous IFA whom I never met.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Lincolnshire

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

I had a few different pensions from various employers and I wanted to see how best to consolidate and continue to make contributions.

How has Thornton Holmes helped you?

Thornton gathered all the various information and advised on moving some but not all in to a new provider. He then advised on new contributions going forward and the funds best suited to my risk profile.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Lincolnshire

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

We decided that we have to address the question of equity release Then to address the issue of what best to do on our retirement and investment of various pension pots

How has Thornton Holmes helped you?

He arranged the equity release on my wife's house Then he advised on me on my retirement and the best options available to me. then we took his advise and invested as he suggested.

Have you seen the outcome you were hoping for?

Yes we are both satisfied with the outcome

What could they have done better?

I'm not sure that anything could have been done better

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Huntingdonshire

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

Approaching state pension age

How has Thornton Holmes helped you?

Assessment to see if I could reduce working hours and maintain my current standard of living.

Have you seen the outcome you were hoping for?

Very comprehensive report at a reasonable price

What could they have done better?

Nothing

Thornton's reply

Thank you Tom. It was a pleasure to help. Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I met Thornton when I was asked to act as a substitute for a friend at BNI (Business Networking International). It was in my mind to start to sort out my pensions and investments but knew I knew nothing about them. I will give myself credit for initiating the conversation but I also recognised that he was approachable, informative and knowledgeable. Thornton's personal style encouraged me to take the matter further and I am so glad that I did.

How has Thornton Holmes helped you?

It either sounds corny or simplistic, but with clear guidance and advice that neither patronised nor flattered me. He also guided me through the first few steps to help him do the preparatory work in pulling together all the information. No mean feat as it turned out that I have 18 different pensions in very diverse pots. He and his team took over pulling all the information together into one place and then provided a very clear picture as to what my options are.

Have you seen the outcome you were hoping for?

Because I didn't really understand the pension changes, I thought that I would have a very poor pension but, thanks to Thornton and Orchid Financial Services, I am seeing an outcome that I didn't know existed for me. The portfolio I have even takes my attitude to risk in terms of investments into consideration. Quite simply, I am now facing my old age with the ability to live off the pensions I have paid into because they have been, with my full knowledge and consent, invested to provide an income. I have pulled down a portion of my tax free allowance so allow my family to see some of the benefits already - thanks to the work he has done on my behlaf.

What could they have done better?

Because I went to him with so little knowledge, I cannot say there is anything that he could have done better even in hindsight. I did ask about his fees and he gave me a very clear 'ballpark' figure as to what people in his profession charge. So, OK, I might save a little but, quite frankly, to have the comfort and confidence of dealing with someone who was always calling me to give me updates, rather than me having to 'chase' him, it was totally worthwhile and I do not have any regrets in my choice of IFA whatsoever.

Thornton's reply

Thank you Dennis. The most comprehensive view ever! I really appreciate it. Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Northamptonshire

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

Iong term planning and investing of inheritance tò maximise returns .

How has Thornton Holmes helped you?

Thornton spent a considerable amount of time helping us to look at various options available .

Have you seen the outcome you were hoping for?

It is too early to answer this question as investment is in early stage .

What could they have done better?

No I think Thornton and his team have provided an excellent and professional service .

Thornton's reply

Thank you. I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Suffolk

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

Initially mortgage advice but eventually investments

How has Thornton Holmes helped you?

Setting up mortgages and advising on investment.

Have you seen the outcome you were hoping for?

In mortgage choice yes, the investments and only just in place.

What could they have done better?

I am very happy with Thornton’s services.

Thornton's reply

Thank you. I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

The company was earning more than the protected limit and thus I needed to do something with the funds.

How has Thornton Holmes helped you?

Sorted all financial matters out

Have you seen the outcome you were hoping for?

NA

What could they have done better?

NOT CHARGE ME

Thornton's reply

I love your sense of humour Simon :-) and I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Following the death of my husban, I wanted advice regarding my savings

How has Thornton Holmes helped you?

Advised where to put the savings, but there was no pressure

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

No

Thornton's reply

Thank you. I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Norfolk

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

As I move towards retirement, I need to manage my complex accumulated assets better, and Thornton was recommended to me.

How has Thornton Holmes helped you?

A commonsense, friendly approach from the start, making me feel relaxed and in control at all times. There has not been a single moment in our relationship when I have felt under pressure. I now feel that I am getting to grips with what is good for me.

Have you seen the outcome you were hoping for?

Yes! Money invested, and not so much financial baggage around me.

What could they have done better?

Slightly better coffee?

Thornton's reply

Thank you. I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I had several frozen pensions and I knew it could be a benefit to consolidate them. I also wanted to review my affairs generally.

How has Thornton Holmes helped you?

Both my wife and I have consolidated our pensions and Thornton will be managing our pensions and financial affairs ongoing

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

No Thornton was great

Thornton's reply

Thank you. I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Oxfordshire

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

Needed pension advice

How has Thornton Holmes helped you?

He took us through the whole process with minimum fuss, found out what we wanted and came back with a solution that met those needs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Thornton's reply

Thank you. I really appreciate the time you have taken to give us feedback! Thornton.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

Made redundant.

How has Thornton Holmes helped you?

Explained in clear English the different scenario s around. I was able to make my own descions based on the information given to me.

Have you seen the outcome you were hoping for?

Early days yet!.

What could they have done better?

Currently it has been a good experience so no other comments.

First impression from a user who is not yet a client

June, 2018

Overall

Please provide a brief comment about your experience with Thornton

I had an excellent meeting with Thornton, he was very professional, but at he same time, friendly, putting me at my ease. Our discussions were thorough, and very informative. He was very clear on fees and charges. His fact finding was detailed, and his explanations of the relevance of the questions made full sense. I would recommend him and Orchid Financial Services without hesitation.

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Thornton

Excellent service. Straightforward and easy to understand advice. Very satisfied and I would not hesitate to recommend him.

Thornton's reply

Thank you Tom, most appreciated!

Review from verified client

December, 2017

Overall

Advice

Service

Value

Based in Lincolnshire

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

With a young family and setting up our own business 14 years ago, we sort financial advice to safeguard our future for both our mortgage and pensions. Most recently both my parents have dementia and with the prospect of funding long term care we wanted to understand how best we could approach this area.

How has Thornton Holmes helped you?

Advice on the mortgage product gave us the flexibility we needed to stay in our home and make the changes needed to accommodate a growing family. Having worked in the corporate world for 20 years, we had a number of pension pots which we were able to consolidate so the funds could work more effectively. As for my parents there is constant advice and support on their situation which is quite fluid.

Have you seen the outcome you were hoping for?

Thornton is extremely sensitive and supportive when it comes to financial advice, always explaining the situation and likely outcomes which ensures your expectations are set - so always provides the outcome you were hoping for.

What could they have done better?

Honestly can't think of anything from my experience

Review from verified client

December, 2017

Overall

Advice

Service

Value

Based in Isle of Anglesey

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

There have been a number of issues over the years, but principally I've needed advice about pensions and savings and investments.

How has Thornton Holmes helped you?

Yes, he and his colleague Rachel have always been ready to provide excellent and clear advice as well as going the extra mile to provide that service. Last time we met, he drove 100 miles to see me in order to provide that speedy service.

Have you seen the outcome you were hoping for?

Yes, I've always been happy with the advice and the service.

What could they have done better?

I honestly don't know that I would have asked for or expected better service.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Simply to pull together my myriad of pensions together on reaching 60 years of age to understand my options.

How has Thornton Holmes helped you?

Thornton pulled together the numerous pensions that I have contributed to together into one place to provide a clear picture that could easily be understood by me as a layman. Both he and his team never needed 'chasing' and provided information in a timely manner to ensure I was kept fully informed of progress made and choices available.

Have you seen the outcome you were hoping for?

To the extent that all my pensions are now in one place. I have been able to draw on my tax free sum to carry out linger for home improvements whilst now being able to call upon a decent pension when and should the need arise.

What could they have done better?

My only, very slight, criticism which is not about him or his team, is that the compliance team Orchid Financial Services use insisted on an especially cautious, possibly overly cautious advice which was not that given by Thornton. Having said that, erring on the side of caution is not a bad thing and, if anything, illustrates that Orchid surround themselves with colleagues and suppliers who provide similarly high services demonstrating financial probity and professional integrity; all we can hope for from people with whom we entrust our long term financial planning.

Review from verified client

November, 2017

Overall

Advice

Service