Reviewed for

Insurance and Protection ( 6 )

Mortgages ( 6 )

Pensions ( 57 )

Equity Release ( 2 )

Retirement income (annuities, drawdown) ( 22 )

Investments and Savings ( 43 )

Pension Transfers - Non Specialist ( 16 )

Inheritance Planning ( 11 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 7 )

Reviewers' assets

£500k+ ( 6 )

£200k - £500k ( 18 )

£100k - £200k ( 5 )

£50k - 100k ( 2 )

Up to £50k ( 3 )

Client reviews

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

changing jobs, being over 55 and having several workplace pensions, I needed advice on how to handle these, were they doing their best for me, how to maximise benefits leading to retirement

How has Shona Barr helped you?

Shona offered a clear ,easy to understand review of my finances and a range of options to help improve the performance of the various pension pots . In addition Shona gave me excellent adice regarding drawdown for various home projects and the possible tax implications. Annual reviews have helped me to keep on track for retirement and to ensure I can sustain the lifestyle I want in later life.

Have you seen the outcome you were hoping for?

in short - YES. after a detailed annual review I feel better informed on decisions for the next few years

What could they have done better?

I'm at a loss to comment on possible improvements. I found Shona and the team she works with very friendly, approachable and knowledgable, my annual reviews are comprehensive and clearly illustrate best and worst case projections. When I have questions or changes in circumstances I feel confident contacting Shona for sound advise

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I am preparing for early retirement and wanted to be in a position to do so and be confident I could afford to.

How has Shona Barr helped you?

Shona helped me realise I was in a good position financially to retire, reinvesting pensions and savings.

Have you seen the outcome you were hoping for?

Yes, though working through Covid has been a trial at times, Shona and her team were professional and patient at all times.

What could they have done better?

I would have preferred to deal face to face but in the current circumstances that was not possible and there was nothing Shona could do about it, so, nothing could have been done better. Indeed, they did fantastically well in dealing with the current situation.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement and the desire to combine several pension plans and invest for the future.

How has Shona Barr helped you?

Shona provided us with comprehensive advice and arranged for savings and pensions to be combined and invested in a way that we understand and are happy with. With Shona's knowledge and guidance i'm sure we have maximised the potential growth of our funds.

Have you seen the outcome you were hoping for?

We are satisfied with our investments and look forward to working with Shona to keep these on track.

What could they have done better?

I can't think of anything that would have improved the service we received from Shona and the Affinity team.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

Seeking advise on behalf of my father as his Power of Attorney.

How has Shona Barr helped you?

She gave clear, understandable , professional advice. She recommended an appropriate investment opportunity for my Father.

Have you seen the outcome you were hoping for?

I am happy with the product so far.

What could they have done better?

During a pandemic when no aspect of life was normal, I really do feel there was nothing that Shona and her colleagues at Affinity could have improved on in such difficult circumstances.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

I’d gathered a few pensions and wasn’t sure what I should be doing with them. I wanted to retire early but wasn’t sure it was possible so thought it best to take advice.

How has Shona Barr helped you?

Explained what I had and what could do and how the pensions I had could work for me to let me retire 4y earlier than expected.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I needed some advice about my pensions as I wanted to access some of the money to help family out.

How has Shona Barr helped you?

Shona and her team contacted all my pension companies and found out what I had with them. She then outlined what options I had and what the pros and cons were. She recommended a course of action which let me help my family out.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I was going through a divorce and needed some advice regarding investments and pensions.

How has Shona Barr helped you?

Shona helped gather information which my lawyer needed for the divorce, she took time to listen to my concerns about it all during what was a really stressful time. She helped me understand what plans I already had and what all the jargon in the paperwork meant. Shona has really helped simplify things for me - I really didn’t have a clue before and now I feel I have a good grasp of it and more confident to deal with my own finances again.

Have you seen the outcome you were hoping for?

Yes I really have gained knowledge and confidence as a result.

What could they have done better?

Everything was handled well and the whole team are really friendly.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

I’m self-employed and needed some advice in a variety of areas to do with finances. A friend suggested I contact Shona.

How has Shona Barr helped you?

Shona took time to listen and understand my circumstances. She asked various questions, some of them really made me think about what’s important to me in life. She then gave me advice regarding protecting my family and business, investing for my future and how to be tax efficient in my business too.

Have you seen the outcome you were hoping for?

Absolutely! I feel so much more organised and in control of my finances - personally and within my business. I’m clear where I want to be, and what I need to do to get there.

What could they have done better?

I can’t think of anything. It’s been quite an experience and I think everyone should speak with a financial planner!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

I waned to ensure I used my redundancy payment in the best possible manner to help me maintain a comfortable lifestyle

How has Shona Barr helped you?

Shona has provided me with a lifetime planner showing how to make my money work for me in the long term.

Have you seen the outcome you were hoping for?

I have received two versions of a planner allowing me to make an informed decision and will be engaging with Shona for continued advice regarding pension options.

What could they have done better?

I can think of nothing that could have been done better. Shona and her team are very approachable and efficient.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

I wanted to reduce my hours at work but wasn’t sure I could afford to.

How has Shona Barr helped you?

Shona provided advice about my finances so that I could understand my position and it gave me confidence to cut my hours at work and semi-retire knowing I could afford to do it without worrying about money.

Have you seen the outcome you were hoping for?

100%. Wish I had done it sooner!

What could they have done better?

The level of service I’ve received has been second to none. I get regular updates and I know there’s always someone available if I have a question of concern.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I was getting ready to retire and had pensions with several different companies that I didn’t know what to do with.

How has Shona Barr helped you?

Shona helped me understand my financial position Re retirement and explained how pensions work.

Have you seen the outcome you were hoping for?

Yes, I’ve now retired and am really enjoying a slower paced life.

What could they have done better?

Nothing at all. I am very happy with the service provided.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Perthshire

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

Access specialist advice and a wide range of products for short- and long term financial planning.

How has Shona Barr helped you?

Excellent range of options and sensible planning!

Have you seen the outcome you were hoping for?

Absolutely! Despite turbulent financial markets all of the recommended products have shown reasonable stability.

What could they have done better?

Overall very happy with advice. Unfortunately I can’t criticise anything :-)

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I was seeking help with retirement planning. I was introduced to Shona/Affinity by a friend.

How has Shona Barr helped you?

Shona looked at the current position, done her research, looked at all the options available and put that into simple language that was understandable. I am delighted with this approach and actually feel like it is easier to understand.

Have you seen the outcome you were hoping for?

Yes, one of the options/solutions has been chosen and I have seen a good improvement without feeling I have lost any control. Shona has helped me feel completely involved in the whole process.

What could they have done better?

It would have been better for me if Shona had found me sooner! I have found Shona and her staff to be highly professional and, at the same time, completely understanding of the challenges an average person like me faces.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Midlothian

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

I wanted advice on various pensions and have also arranged mortgages with Shona

How has Shona Barr helped you?

Sourced outstanding mortgage deals, advised on best way forward on pensions then once agreed made the changes required.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I required pension advice

How has Shona Barr helped you?

She provided on advice on whether I should imalgamate my various pensions schemes

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I had some money left to me and wasn’t getting much leaving it in the bank

How has Shona Barr helped you?

Shona helped me understand what options were available and recommended what I should do with the money.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Shona and everyone I dealt with at Affinity were really friendly, helpful and professional.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

Change of job

How has Shona Barr helped you?

Advice on options available to me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, it was an excellent service.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

I was looking to the feasability of transferring my company pension in to a private pension.

How has Shona Barr helped you?

Shona gave excellent advice, she looked in to transfer values and what was in my interest to move or stay with existing pension.

Have you seen the outcome you were hoping for?

Definitely yes. The advice has been great and I feel there is better control and understanding of the pension.

What could they have done better?

Delighted with the service , wouldn't change anything. First class service.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

Obviously as i was nearing 55 years of age, planning for my final years at work and projecting ahead for potential early retirement, this seemed like the proper thing to do.

How has Shona Barr helped you?

Shona has been an amazing assist to me since the first time we met. She is only a phone call away, should you need any advice, particularly during the current climate. I am provided with a monthly update, on how the economy is moving , and she is always there to provide re-assuring advice, when things aren't going so well.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

As stated above, any consultations, phone calls, or e-mails Shona and I have been part of, have always left me feeling optimistic about my future retiral plans, and i trust her implicitly to deal with my finances all of the time.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

It was time for me to consider my options for my final salary pension

How has Shona Barr helped you?

Shona explained the benefits and disadvantages of taking my full pension pot and after having my first meeting with her we came to the conclusion that as I was willing to accept a degree of risk that transferring my pension would be a suitable option for me .

Have you seen the outcome you were hoping for?

As I have only been in to this process a few months I would rather give it a bit longer before making any comments so far. But I remain optimistic.

What could they have done better?

So far I have been very happy with the service I have received as any time I get in touch with Shona she always has time to answer any queries that I have.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

Transfer of final salary pension and then subsequent change of provider to better meet needs

How has Shona Barr helped you?

Found the required advisor and arranged transfer. Subsequent advice on more appropriate drawdown style fund

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The pension providers are very inconsistent in the information they provide through their internet sites. Can advisers bring more pressure to improve on this?

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

I've reached retirement age and want to make the best use of my finances.

How has Shona Barr helped you?

Shona was recommended to me by a colleague as being honest, knowledgeable and approachable.

Have you seen the outcome you were hoping for?

I've received an excellent service, no question is too trivial, Shona is very approachable and always gets back to you with support when required. Over the years she has advised and supported me through the process of releasing funds from my pension pot. She always goes the extra mile.

What could they have done better?

I can't honestly think of anything, Shona is approachable, accessible, knowledgeable and overall has a way of explaining finance that makes it understandable.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

I needed advice on my future financial planning

How has Shona Barr helped you?

Shone was fantastic as she was very clear on how she could help, this gave me huge confidence ......this also continues today

Have you seen the outcome you were hoping for?

Yes and continues to grow in financial terms and confidence ref future

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

I was approaching retirement and required a review of current funds in order to determine a retirement date.

How has Shona Barr helped you?

Initially Shona Barr reviewed my assets and determined life income requirements. Shona then helped to produce my investment risk profile resulting in the provision of positive information relating to investment options and retirement advice.

Have you seen the outcome you were hoping for?

The advice received from Shona Barr has thus far exceeded the outcomes hoped for.

What could they have done better?

The assistance received from Shona has been comprehensive and I cannot currently think of any areas which could have been improved.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

Let down by a previous financial adviser. Needed help with pensions and investment advice.

How has Shona Barr helped you?

No doubt about it, Shona Barr changed my life. Instead of waiting to reach 65 (or 67 in my case) Shona's advice led me to release some of my pension early and arrange a drawdown from my pension. This meant I was able to retire early and spend valuable time with my wife, doing things that make us both happy. I belong to the 'retired but not dead yet' generation so life is good. Might pop in and see Shona and her team again soon but, there again, pass me my dancing shoes and I might catch them later.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing really.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

Took voluntary redundancy and was looking for long term advice on investing redundancy payments.

How has Shona Barr helped you?

Shona advised me on both investment of my money and setting up a personal pension to support me during my retirement.

Have you seen the outcome you were hoping for?

Yes, results have been favourable, especially in the current economic climate.

What could they have done better?

I am not aware of anything that I would change.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Wigtownshire

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

Review of our finances, particularly share ISA’s.

How has Shona Barr helped you?

Following her factfind we were amazed that we could consider early retirement much sooner than anticipated.

Have you seen the outcome you were hoping for?

The outcome has been so much more than we could have hoped for

What could they have done better?

My wife and I do not think she could have improved on the amazing service and advice we received on a varied range of financial topics. She was very friendly, and actively listened to what we wanted to achieve, whilst remaining totally professional in all of our meetings/dealings. She genuinely took an interest in all of our plans for the future, and following our last meeting, both my wife and I have been able to retire early. Thanks Shona.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

My works pension was not giving me a good income.

How has Shona Barr helped you?

Shona explained in detail the advantages/disadvantages of having a works pension or investing in other ways to provide a better return.

Have you seen the outcome you were hoping for?

I have only received one payment so far but I will monitor this as time goes on.

What could they have done better?

Shona was very helpful and explained everything to me in lay man's terms and I know I can contact her office with any queries I may have going forward.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Wigtownshire

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

I reached the age of 55 and received pension information from my previous employers on my pensions which had been frozen when I left their employment. A friend of mine recommended that I speak with Shona to find out the best way forward from here.

How has Shona Barr helped you?

Shona gathered all the information she required from me that she needed to contact my previous employers and look into matters further to find out the best options available to me. The speed in which Shona and her team dealt with matters was excellent and they kept in constant contact with me updating me on a regular basis letting me know what stage everything was at.

Have you seen the outcome you were hoping for?

I at first thought the pension pots my ex-employers were offering were the best and only options available to me until I contacted Shona and her team. I could never have imagined the outcome that came from this. The pension pot I had available to me far exceeded what I could have dreamt. I was over the moon with the outcome and cannot thank Shona and her team at Affinity enough for all their help. This help is also ongoing and that to me is a great weight off my mind knowing they have my best interests at heart and will advise me on a continuing basis.

What could they have done better?

My financial adviser could not have done anymore to help me. I am still smiling from the results and cannot recommend Affinity highly enough to anyone.

Review from verified client

April, 2019

Overall

Value

Service

Advice

Based in Ayrshire

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

I was about to retire.

How has Shona Barr helped you?

She helped me by simplifying tax and pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think Shona put our minds at rest and that was very important to us.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I retired early with a great defined benefit pension after 30 years on the corporate bandwagon. I needed financial advice on its possibility and then when finding out the good news the setting up of a Self Investment Personal Pension

How has Shona Barr helped you?

Shona was great in supplying all the initial comfort on the feasibility of retirement early without any hard sell. She helped cut through the jargon and gave great advice on a very understandable level. Final setting up of the SIPP was a smooth process and the office has catered for all my post retirement income needs.

Have you seen the outcome you were hoping for?

I have been retired for a year now with my biggest issue to get tax efficient release of funds to manage the lifestyle I am currently enjoying. Knowing the pension and investments are in great hands are a comfort to me in this process.

What could they have done better?

It was on a question that I forgot to ask! I assumed the pension would be shared between myself and my wife as we had built the fund together as a married couple team. Unfortunately the tax man doesn't see it that way and I am taxed on my allowance only! If only Shona could read minds and answer the unasked questions!

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Had a work pension that I wanted to re invest, to maximise the valuation of this pension in the years ahead.

How has Shona Barr helped you?

Shona was very professional , and took time taking me through all the benefits , any possible risks of transferring my pension . Took me through all stages step by step, to ensure my understanding along the way.

Have you seen the outcome you were hoping for?

Early indications are that the fund is performing very well, and Shona provides periodic updates to myself, so I have an ongoing picture of how the fund is doing. I really can't thank Shona enough for this.

What could they have done better?

I honestly can't think of anything that Shona could have done better. Any time I have attempted to contact Shona in the past, my requests have been dealt with in a very prompt professional manner.

First impression from a user who is not yet a client

August, 2017

Overall

Please provide a brief comment about your experience with Shona

We had a very pleasant meeting with Shona, who ensure she had a very good understanding of our position and our hopes and plans for retirement. Shona took the time to have a full discussion of the options and pros and cons of various strategies. There was absolutely no pressure on time or on our choice to use Shona's services or not. We are seeing one or two other IFAs in order to be sure of making the right choice, but Shona is certainly up there!

Review from verified client

July, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

I have several pensions which I needed to review and as I had recently had an inheritance, wanted to do an overall review so I knew what to do with the large sum of money with a view to sorting out an early retiral.

How has Shona Barr helped you?

Shona speaks in plan English. She understands exactly what I wanted and why and has invested my inheritance and offered advice regarding trust fund and future investments. She kept in touch, was each to speak to and has reviewed my portfolio regularly.

Have you seen the outcome you were hoping for?

Initially one of the funds was not performing, but Shona was aware of this and as a result, this fund was moved to a far better performing fund. I would quite simply have had no idea of where to start with investing as I had been left a substantial amount of money. Shona has understood all the issues and dealt with everything with great professionalism.

What could they have done better?

There is nothing I can think of that would have improved the service we have received from Shona. As mentioned before, she has been very friendly and approachable. She understands that she was dealing with a fairly clueless couple who were relying totally on her advice and expertise. She has offered the service of fellow professionals she works with to further assist our plans.

Review from verified client

July, 2017

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was planning to take early retirement and wanted advice on how best to utilise my savings, investments and pensions to provide an income.

How has Shona Barr helped you?

Shona confirmed that the monies I had available would provide me with the level of income I was looking for. She explained everything in a manner that was easy to understand.

Have you seen the outcome you were hoping for?

Yes, I was able to retire as I had planned. Shona is not afraid to recommend moving money to another provider if it will increase my retirement pot and I am delighted that my investments have realised a profit.

What could they have done better?

Nothing I can think of as my personal circumstances were relatively straightforward. Shona provides regular newsletters which are very informative and is always available to answer any queries or concerns.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Shona

We had an initial meeting, however the nature of Shona's service is such that it is much to early to say how things will go. I do however have a positive feeling that her financial advice will assist my wife and I make the right decisions regarding our finances.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Early Retirement.

How has Shona Barr helped you?

Found the best way to maxmize my benefits for retirement.

Have you seen the outcome you were hoping for?

Products are suited to my needs and I am happy with the advice received.

What could they have done better?

Was not aware initially of the SPPA/state pension off set arrangement.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Approaching retirement.

How has Shona Barr helped you?

Shona calculated at what age I would be able to afford to retire. She appreciated that I was worried I may have to keep working until state pension age of 67 and I didn't want to do that.

Have you seen the outcome you were hoping for?

I was very pleased to learn that my pension provisions were actually better than I thought and that I could afford to retire now if I wished. I am now working on a plan to build up and sell my business and retire in just less than 2 years time.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Previous financial adviser had ceased trading and transferred clients to Affinity IFA Ltd.

How has Shona Barr helped you?

Reviewing our current investments and advising us of better options to consider, which we ultimately acted upon.

Have you seen the outcome you were hoping for?

Too early to judge.

What could they have done better?

Nothing that we are aware of.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Recommendation from people I knew.

How has Shona Barr helped you?

Helped me to understand the complexity of finance and investment in a calm reasoned way and took on board what my needs where and advised accordingly. First class.

Have you seen the outcome you were hoping for?

It is too soon to say but I know friends who are delighted with the service Shona provides and I expect I will be too.

What could they have done better?

I cannot think of anything more she could have done. She did not rush me into decisions and was happy to spend as much time as necessary until I could commit to her very sound advice.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

I was made redundant and needed to move my pension fund.

How has Shona Barr helped you?

We discussed my pension fund needs and she tailored a portfolio to suit me.

Have you seen the outcome you were hoping for?

Yes, my fund is growing and I receive regular updates.

What could they have done better?

Shona has been meticulous throughout, therefore I have no complaints or criticism.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement planning.

How has Shona Barr helped you?

Provided clear advice on available options .

Have you seen the outcome you were hoping for?

We are still working towards optimum solutions. I am confident that a positive outcome will be achieved.

What could they have done better?

The only points of clarification I have raised is in relation to how I am able to self monitor investment choices.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

My age.

How has Shona Barr helped you?

Gave me my options.

Have you seen the outcome you were hoping for?

Not yet as i havent began to use any options yet.

What could they have done better?

No because as i said no options have been used yet

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Required advice and guidance regarding changes to pensions as well as advice regarding capital held within the bank.

How has Shona Barr helped you?

Shona Barr provided a very professional and personal service. Taking account of our views and recommending the best way to manage finances more effectively.

Have you seen the outcome you were hoping for?

Yes, we have seen the outcome we hoped for and we are satisfied with the excellent service Affinity provides.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

needed advice on my various pension plans.

How has Shona Barr helped you?

gave good advice and forward planning for my retirement.

Have you seen the outcome you were hoping for?

yes could not be better.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Was left some money after my husband died.

How has Shona Barr helped you?

She gave me advice on how my money could best work for me.

Have you seen the outcome you were hoping for?

Yes my bond has done very well so far for me.

What could they have done better?

I have been very pleased with the service so far

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Planning for my future retirement.

How has Shona Barr helped you?

Shona was very knowledgeable on the subjects I was interested in and offered alternative options that at the time neither of us were aware of the full regulations. Shona then followed this up with a specialist and gave me a run down on the current regulations which may be useful to me in the future.

Have you seen the outcome you were hoping for?

Fully satisfied with the advice given and time will tell what financial impact this will have to me.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement planning.

How has Shona Barr helped you?

Took time to understand my circumstances, explained things in a way that was easy to understand and recommended a solution that meets my requirements to help give me and my wife a comfortable retirement.

Have you seen the outcome you were hoping for?

Yes - delighted.

What could they have done better?

Nothing

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Advised by fellow workmates.

How has Shona Barr helped you?

Shona helped by making a complicated sounding part of my retirement an awful lot easier to understand and was a great help by listening and giving me sound and clear advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I think she does well as it is

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

My wife and I both retired recently and had lump sums and various unclaimed pensions. We needed advice on how to best organise our finances to meet our future requirements. We also needed advice on how to organise our wills and property to protect our children's inheritance.

How has Shona Barr helped you?

Shona listened to our current financial situation and discussed our expectations for the future. Based on this information, Shona provided a plan which we understood clearly and agreed would meet both our present and future expectations. The most important thing Shona did for us was to take over the responsibility of the legal and financial organisation of our paperwork.

Have you seen the outcome you were hoping for?

Yes. We have a satisfactory monthly income from our investments which meets our current requirements. Shona provided a well-documented plan which gives us clear understanding of our personal financial situation. We are also confident that we have been given the best advice for providing for our children's future inheritance.

What could they have done better?

There is nothing I can think of to suggest here. Shona responded appropriately to every query as we raised it, therefore, every area has been covered to our satisfaction.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed advice re where was best to place my various pension pots/whether to transfer them and general advice re retirement planning.

How has Shona Barr helped you?

Shona is extremely approachable and explains everything in straightforward terms. She instils confidence and I feel I can 100% trust her recommendations. Shona is also extremely helpful and flexible by offering me home visits at a time that suits my personal and work commitments.

Have you seen the outcome you were hoping for?

My personal pension pot appears to be growing each year so yes, I am seeing a positive outcome!.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Had money to invest for my retirement.

How has Shona Barr helped you?

Shona took time to fully understand my financial position, offering advice and options for me to consider.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I am fully satisfied with the level of support and advice provided.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement.

How has Shona Barr helped you?

investment and pension.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

happy with all Information and investments

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ross-shire

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

Retirement came a little earlier than I had perhaps anticipated so I sought advice through the government website where the advice included the suggestion to seek an IFA. They also provided a list of potential providers from which I chose Shona.

How has Shona Barr helped you?

We had an initial meeting where she asked what I wanted from retirement, listened to my aspirations based on what I knew of my then financial position and took away all the elements of the discussion so that she could consider them make recommendations for the way ahead.

Have you seen the outcome you were hoping for?

By and large my expectations have been either met or exceeded.

What could they have done better?

At one point Shona engaged a specialist third party firm to conduct some of the work. As it turned out the end result was satisfactory but there were times during the process, which became quite protracted, where the third party and myself never quite saw eye to eye. I think it was really down to him being either too busy or making assumptions about my level of understanding of the progress being made and the charges that would be made. Shona got involved to put my mind at rest and the conclusions were satisfactory. So to answer the question "What could your Financial adviser have done better?" I would say just to make sure that the client was fully aware of the process and how charges would be allocated.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

My pension provider because I was getting a lump sum with my pension.

How has Shona Barr helped you?

Shona financial advice help us very professionally on our lump sum & savings account.

Have you seen the outcome you were hoping for?

Yes and we greatly satisfied with Shona work on our behalf.

What could they have done better?

This was the first time we have had dealings with an financial adviser and we were a bit optimistic but Shona professionalism put our minds at rest

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Unhappy with previous financial advisor and the return on the money invested.

How has Shona Barr helped you?

Shona explained the investment we were considering in a clear and concise manner which was easily understood.

Have you seen the outcome you were hoping for?

The product invested was exactly what we were looking for and to date has increased in value which in today's market is an excellent outcome. We are given a 3 monthly update on the value of the investment.

What could they have done better?

Do not consider we could have received any better advice than we did and are more than happy with the investment.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

I have a good final salary pension scheme, but had three other pensions that I wanted to consolidate and "tidy up" to make things easier when I do retire.

How has Shona Barr helped you?

Shona explained my options clearly and was able to explain and clarify the current pensions laws, regulations and recent changes. She allowed me time to digest the information and think about my decisions. I was also kept up to date with how things were progressing at all times. Shona and her staff were very professional throughout the process.

Have you seen the outcome you were hoping for?

I am very happy with the advice and help given by Shona and her staff. I believe that I have achieved my pension objectives. The process was more time consuming and complex that I had first imagined but this was due to the stringent rules and regulations associated with the transfers.

What could they have done better?

Everything was conducted in a professional manner and I cannot think of anything that could have been done better.

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

I have a very good Final salary pension but with the changes in the pension rules it was pointed out to me that we can take more risk with the pension pot and manage it ourselves. The main benefits of this approach is the ability to retire at 55 and keep the pot for our disabled child if unfortunately me and the wife die young(ish!). The risks though are obvious but I wasn't sure of the overall benefit/risk analysis from the different options.

How has Shona Barr helped you?

Shona provided very practical advise and financial modelling on the different options and went through them carefully to ensure the risks and benefits were understood from the different options. The best thing was that it wasn't a hard sales job just good solid advice for me to weigh up when I have to make the final decision.

Have you seen the outcome you were hoping for?

I am still weighing up my options but I at least have clarity on what they are! Due to the professionalism and practicality Shona demonstrated in providing the advice I would certainly not hesitate to use Shona's services for pension management if I take the route of flexible draw down pensions.

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

Looking to develop a pension plan for my wife's retirement & also for financial advice regarding potential investment opportunities.

How has Shona Barr helped you?

Shona listened to our pension & investment requirements taking into consideration our concerns on the possible risks involved before offering clear & concise advice with proposals that reflected our views.

Have you seen the outcome you were hoping for?

So far performing as anticipated and we have recently revisited both pension and investment to develop these further with Shona's advice.

What could they have done better?

Would not suggest any changes, everything was done in a thorough professional manner, Shona was available to discuss any concerns or questions when necessary and any changes or amendments have been carried out quickly & efficiently.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

We were looking for somewhere to place a small investment for my wife.

How has Shona Barr helped you?

We have used Shona in the past and had no hesitation about asking her advice. She recommended adding the funds into a pension fund which we were happy to do.

Have you seen the outcome you were hoping for?

Having spoken to Susan at Shona Barr, we completed the necessary forms quickly and were able to transfer the funds easily. We are very happy with the outcome.

What could they have done better?

I don't think there was anything missing or anything that had to be done any differently. It all went well and we had a quick response.

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Shona

Preliminary meeting only. Made a few suggestions for an action plan but would require a more in depth meeting to discuss specifics.

First impression from a user who is not yet a client

June, 2016

Overall

Please provide a brief comment about your experience with Shona

Shona is pleasant and easy to speak to, I'm confident that her advice will be beneficial to me in my retirement.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Heard Shona talk for 1 minute at a BNI meeting and decided it was time to look into my financial affairs as i am 5 years from being 60.

How has Shona Barr helped you?

Listened to my concerns. Made me feel very comfortable, and did not dismiss my concerns, or patronise me for leaving it so late, as I was thinking I would be.

Have you seen the outcome you were hoping for?

Now feel confident that I am financially secure for the future and that I can now relax and enjoy the last years of employment, and look forward to my retirement.

What could they have done better?

Nothing that I can think of.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Shona

Excellent service and bang on time.

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

I was looking for help with some investment capital and to make my pension 'work harder'.

How has Shona Barr helped you?

Shona took time to ensure you knew my circumstances and plans for the future. She listened to my attitude to risk and came up with a plan which we hope will maximise our income.

Have you seen the outcome you were hoping for?

So far our investments have seen modest growth in a difficult market. If they continue to perform at this rate our income should prove to be sufficient for a reasonable standard of living and an improvement from what it was prior to meeting Shona.

What could they have done better?

I wouldn't want to recommend anything be changed at the moment. The level of service, advice and contact has been of a high standard and quite sufficient for our needs. If it's not broken, don't fix it!

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Previous advisor was Karen Christian who was forced to retire due to illness.

How has Shona Barr helped you?

Shona reviewed my existing draw down pension and advised me to switch to another company proving to have better investment returns.

Have you seen the outcome you were hoping for?

Early days.

Review from verified client

January, 2016

Overall

Service

Value

Advice

Based in Ayrshire

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

Investment for my sister's money on sale of her home for residential care.

How has Shona Barr helped you?

Recommended investment company.

Have you seen the outcome you were hoping for?

Not yet but very confident.

What could they have done better?

No because service was excellent

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Ayrshire

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

To transfer a secondary pension to a provider that would provide a drawdown facilty when it is required.

How has Shona Barr helped you?

Once I has provides Shona with all my financial information she prepared a strategy for both my pension and investments.

Have you seen the outcome you were hoping for?

Most definitely - in fact more so.

What could they have done better?

I don't feel she could have done anything better. She explained everything along the way, allowed me time to digest the information and didn't try to influence decisions in any way. Shona was available whenever I had a question and was always happy to meet or communicate by email. I was also provided with weekly email updates by her administration team.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

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

We needed to remortgage our current home.

How has Shona Barr helped you?

By leading us through the process and making sure that we understood what was happening at each step of the way.

Have you seen the outcome you were hoping for?

Yes. We successfully remortgaged our home.

What could they have done better?

Nothing, to be honest. I found the whole interaction to be really pleasant and simple. No complicated jargon, any questions I had were very quickly and honestly answered.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in East Sussex

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

Capital available from family death and sale of house.

How has Shona Barr helped you?

Advice given regarding capital investment with no taxable element in regard to a capital withdrawal on a monthly basis but with investment growth to cover planned withdrawal to maintain capital base.

Have you seen the outcome you were hoping for?

Acording to the plan there has been an average 8% growth in the capital which has covered the 5% withdrawal. However with all plans of this nature there is a risk that 'what goes up can go down'. This was explained in detail by Shona before any decisions were taken and detailed risk assessment and analysis undertaken.

What could they have done better?

Shona is highly qualified and listens thoroughly to her clients before any advice is given. She does not push people into making decisions and is a thorough professional in a profession which has had its moments in the past. I have no hesitation in recommending her services.

First impression from a user who is not yet a client

October, 2015

Overall

Please provide a brief comment about your experience with Shona

I haven't yet met her but have an appointment booked. From the initial enquiry they responded very quickly.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Ayrshire

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

I was retiring and was fearful I would make poor choices.

How has Shona Barr helped you?

Shona helped me enormously by explaining all the options that were available to me in language I could understand.

Have you seen the outcome you were hoping for?

Looking forward to retired life happy in the knowledge my pension and finances are sorted.

What could they have done better?

I really don't think Shona and her team could have done anything much different to improve their performance

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Shona

had a telephone conversation with Shona

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Renfrewshire

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

I retired from Local Authority in 2011 and decided to invest my lump sum.

How has Shona Barr helped you?

Shona Barr gives me advice and we meet when either I or she feels the need. Shona is very helpful, professional and friendly. I have every confidence in Shona and the advice given to me.

Have you seen the outcome you were hoping for?

I met with Shona last week and very pleased with my portfolio and the progress it has made in monetary terms. Shona suggests various options but I make the decision.

What could they have done better?

I am totally satisfied with my relationship with Shona and her staff.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Ayrshire

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

As a letting agent.

How has Shona Barr helped you?

Advised on investment, retirement planning and inheritance issues. Providing a residual income.

Have you seen the outcome you were hoping for?

Ready to invest. Ongoing. I'm a business owner with a need to provide an residual income via investments outwith my own business sector.

What could they have done better?

I have dealt with many IFA's over the year and I found Shona to be the best. Trustworthy and honest.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Ayrshire

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

Looking for safe ways to invest our pension pot.

How has Shona Barr helped you?

Shona came to our home and discussed different investment options ascertaining what kind of risks we were prepared to take. She made an accurate assessment of our preferred risk options and recommended products suitable for us. Shona was very professional in her approach and did not push us into anything we were not happy with but allowed us time to discuss our options and come to decisions based on information given. Should there be any problems or questions about our investments, I know that Shona is only a phone call or e-mail away and replies very promptly to any queries .

Have you seen the outcome you were hoping for?

Taking on board to Shona's advice, we have just recently made some changes to our investments. It is early days yet to tell whether or not they live up to expectations.

What could they have done better?

I can't really think of anything she could have done differently. When we meet she is very professional, always on time and well prepared with suggestions and details of our investment situation. She makes you feel you are important and you never get the impression she is rushing you or in a hurry to get to her next appointment.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had a substantial sum of money that I wanted to invest rarher than leave it sitting in my savings account with a low rate of interest.

How has Shona Barr helped you?

Shona assessed my needs and advised on an investment plan that was consistently performing well and provided a degree of security I was comfortable with.

Have you seen the outcome you were hoping for?

My initial investment grew by over 6% in the first year resulting in me adding to my investment this year.

What could they have done better?

Nothing. Shona explained everything very clearly and I am more than happy with the service she has provided me with.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in East Sussex

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

Needed a capital bond investment following house sale.

How has Shona Barr helped you?

Provided risk assessment and recommendations with regular follow up reviews and possible changes if appropriate.

Have you seen the outcome you were hoping for?

Yes over the last few years the advice given has proved to have a positive result.

What could they have done better?

Nothing serviced Admin have been excellent

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

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

To get a pension review, with view to transfer to different type of pension.

How has Shona Barr helped you?

She put me in touch with pension expert. Did all the paperwork, and explained risks and benefits of transferring.

Have you seen the outcome you were hoping for?

I have now unlocked pension. Exactly what I was hoping for.

What could they have done better?

Nothing

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension drawdown.

How has Shona Barr helped you?

Advice and administration.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

She was as helpfull as could be expected.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Ayrshire

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

retiring and needed advice on my pensions.

How has Shona Barr helped you?

She listened and took time to understand what I wanted to do before talking me through my various options and explaining the implications of them all.

Have you seen the outcome you were hoping for?

I have now retired and arranged my finances so that I can live comfortably in retirement.

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Shona

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Shona

Input not yet completed,service excellent to date.