Reviewed for

Insurance and Protection ( 10 )

Mortgages ( 5 )

Pensions ( 53 )

Retirement income (annuities, drawdown) ( 24 )

Auto Enrolment ( 2 )

Investments and Savings ( 48 )

Pension Transfers - Non Specialist ( 15 )

Inheritance Planning ( 16 )

Long Term Care ( 2 )

Pension Transfers - Specialist ( 8 )

Financial Planning ( 15 )

Financial Mentoring ( 5 )

Financial Coaching ( 3 )

Reviewers' assets

£500k+ ( 10 )

£200k - £500k ( 10 )

£100k - £200k ( 6 )

£50k - 100k ( 3 )

Up to £50k ( 4 )

( 1 )

Client reviews

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

I cashed out a final salary pension and wanted to make the most of it. David LLoyd was recommended to us

How has David Lloyd helped you?

As well as investing for long term growth he has also instilled in us the need to enjoy our retirement and use our money to get the best out of life.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

An inheritance

How has David Lloyd helped you?

He has given in-depth advice and guidance on how best to invest the money for my future.

Have you seen the outcome you were hoping for?

David came very highly recommended by a friend, but I wasn't really sure what outcome to expect, however I am very happy with the guidance that was given.

What could they have done better?

I have been very happy with the advice I have received so far, and can't imagine what could have been done better.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Had a large pension so needed advice,David vame highly recommended.

How has David Lloyd helped you?

He's been very professional with all of his advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not much in the present circumstances.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Retirement

How has David Lloyd helped you?

Explained very well a scary and complicated process, and put our minds at rest

Have you seen the outcome you were hoping for?

yes

What could they have done better?

everything was okay

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with David

Excellent

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with David

David and his team couldn’t have been more welcoming, whilst remaining efficient and super professional. A very knowledgeable, professional, honest and trustworthy team. Highly recommend.

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with David

Very approachable professional informative in a relaxed atmosphere. All staff friendly.

David's reply

Hi Arnie, Thanks so much for your review really appreciated and very kind. Correct, we did not discuss fees which are vitally important. Our meeting primarily provided an overview of how investments could work in your situation further down the line. As we progress and indeed in the next meeting, fees will be discussed in detail. We must add more value than we cost :-))

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

I was looking to group my pensions together to get a regular income and ensure I left my family I lump sum

How has David Lloyd helped you?

Very professional and helpful guiding us through the process and showing us the options available

Have you seen the outcome you were hoping for?

Very happy with the information I was given and the service I received

What could they have done better?

Nothing I received great customer service

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

Recommended by 2 friends who are still clients

How has David Lloyd helped you?

David has advised us on investing money both from inheritance and pension pots.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am certain that David Lloyd has done his best and the outcome I am totally happy with

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Pension investment

How has David Lloyd helped you?

Just Do It ! Highly recommend David and the Team. Always gives clear and concise information which has taken away the worries of a first time investor ! Its always a pleasant experience to meet up with David and the sound advice he offers. Just sitting back now and enjoying the life changing experience and knowing my investment is in secure hands. Thank you David

Have you seen the outcome you were hoping for?

Due to the world events out of David's control my investment has not faired as well as I would have expected

What could they have done better?

N/A

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

A need for an income to find early retirement

How has David Lloyd helped you?

Down to Earth Financial Planning David Lloyd provides one of the most well balanced financial 'life' plans you can get. From our initial consultation to the portfolio reviews we felt confident in the realistic approach this company takes. We've been provided with a very individually tailored plan to meet what we need for our present and future. A very positive experience.

Have you seen the outcome you were hoping for?

On the whole yes although unfortunately Brexit and COVID had an adverse effect. However, tweaks David has made to our investments since then have helped improve things.

What could they have done better?

Nothing, as the above circumstances were completely out of their control.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

I had funds to invest for the first time

How has David Lloyd helped you?

Thorough financial planning, but also, and crucially, life planning to help inform my financial goals. David took the time to help me understand what was important to me, what risk I was comfortable with and what products would best suit me. I have always felt no question was too basic to ask, and that David and his team are always there for me to make sure I understood what my options were….everything I’d want from an advisor.

Have you seen the outcome you were hoping for?

Yes, in that I feel in control of my decisions, and feel I’ve made the right ones with no regrets. It’s been a turbulent market the past few years, but David has steered me through as well as could be, and I feel well set up for years ahead.

What could they have done better?

Nothing - my experience has been that David’s always looking to innovate and improve his service, and I’ve benefited from new products he’s brought out.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Leicestershire

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

Retirement investments and to get the most out of our inheritance.

How has David Lloyd helped you?

A visit to Lloyd and Co Since our first meeting with David and his team we have had excellent friendly service and would not hesitate in recommending them.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Looking for a trustworthy company to transfer a pension fund

How has David Lloyd helped you?

Nothing is to much for Lloyds and Co Transferring a pension to an investment fund is a massive decision to make. I’m extremely satisfied with the advice and the time spent with me looking at what was best for me and my family. The customer service far exceeded my high expectations and requests .Thank you for exceeding the typical customer service. It's very evident that this company cares and is passionate about values their business. The team is well led and managed and if you’re looking for a financial company that’s modern and likes to think outside the box this company is for you

Have you seen the outcome you were hoping for?

David and co have helped put a plan in place for our future to enable us to enjoy our retirement when it comes. We have a feeling of security now and less worry for our children’s future. Recently changing some of our ways we have invested to help our money grow further and hopefully keeping us on track

What could they have done better?

Can’t think of anything

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Wanted a change

How has David Lloyd helped you?

Professional company and always willing to help We have found David Lloyd & Co to be a company with huge experience in the financial markets. They are a pleasure to deal with, always been very helpful never make it over complicated. David and his team are always so helpful, calm and are totally professional in their approach with clie

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not without him

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Wanted a change

How has David Lloyd helped you?

Lloyd & Co Financial Company the most… Lloyd & Co Financial Company the most efficient, friendly and very much there to help their clients. We are very happy for the recommendation, by our son, who is also a client. David and his team are always ready to answer your questions and guide you through any difficulties very patiently. It was the first time we have met them, due to Covid, and it was a very pleasurable face to face meeting.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not without him

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

A friends recommendation to see what we could do with our pensions and savings

How has David Lloyd helped you?

Changing my life Changing my life, from the first meeting it was clear that this was not just about the best way to invest for the future but for the present, I have already reduced my working hours to part time and can really enjoy my extra free time. A big Thank You to Lloyds & Co

Have you seen the outcome you were hoping for?

Absolutely, we have been retired for almost two years now and enjoying our free time with holidays and activities and lots of peace.

What could they have done better?

I can't think of anything that could have been done better.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Possibility of early retirement.

How has David Lloyd helped you?

Excellent friendly warm welcoming informative service

Have you seen the outcome you were hoping for?

100%.

What could they have done better?

Not applicable.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Lump sum of money to invest.

How has David Lloyd helped you?

First class unhurried service. A very refreshing and unique presentation of financial services which David Lloyd and his team explain simply. This has been an efficient and effective experience for me, bringing together a pension fund, property sale and inheritance. I was soon able to understand my financial position and we progressed quickly. There is plenty of time to raise questions and concerns. On hind site I would have sought their professional service before getting to this stage in life. I think it is important to start planning your lifestyle as soon as you can!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

I was going through a divorce.

How has David Lloyd helped you?

Excellent customer service! David and team are the best! Professional, friendly and providing excellent customer service. I wouldn’t hesitate to recommend the company.

Have you seen the outcome you were hoping for?

Yes I am now retiring in March 2023 thanks to their advice and guidance.

What could they have done better?

Nothing. David and team have given me terrific support

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Retirement planning and managing funds

How has David Lloyd helped you?

A visit to Lloyd & Co A visit to Lloyd & Co. is not at all stuffy, quite the opposite. All the staff are friendly and you are greeted with a cup of coffee and a very warm welcome. David Lloyd is the ultimate professional; he knows his stuff but manages to impart information in a way that is understandable to Joe Public. What he says makes sense and my husband and I trust him to look after our financial interests safe in the knowledge that he actually seems to care.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, all good

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Transferring a pension pot to another provider

How has David Lloyd helped you?

Everyone at Lloyd and co have been exceptionally helpful and efficient with our financial planning. They explain everything in in an easy to understand manner and all the staff are very friendly, I would not hesitate to recommend them to friends or family.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing , everything was handled very efficiently

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

To give me advice on my personal pension.

How has David Lloyd helped you?

He has looked into my finances and has given me some fantastic advice to help me go forward with my life.

Have you seen the outcome you were hoping for?

Not quite yet as it is on going but I have no doubt whatsoever that the advice given to me by David will benefit me and my wife.

What could they have done better?

I can't think of anything that they could have done better I am so pleased with everything they have done for me.

David's reply

Hi Derek, thank you so much for your very kind review, it is really appreciated. Just one thing I would mention, you have said we don’t charge fees! Sadly that isn’t correct. We have of course been through the charges previously and will happily do that again if have any questions as always. Very best David

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Initially to provide financial advice for my uncle who I have POA for. This then progressed to a full review of my financial position looking into pensions, transfers and future retirement income.

How has David Lloyd helped you?

David has provided advice in a simple and understandable way and the fact that he looking to periodically review my circumstances and amend anything that is not working for me provides confidence. I feel he also looks at finance differently to other advisors and his understanding and depth of knowledge of the products and services available is excellent.

Have you seen the outcome you were hoping for?

I am comfortable that through discussion and advice I have the correct financial products at this time. As above, the products and my cirmstances will be periodically reviewed and changed if required so I am confident the outcome can be achieved in the required timescales.

What could they have done better?

Nothing.

David's reply

Steve, thank you for such a detailed and kind review. Really appreciated.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

Pension advice

How has David Lloyd helped you?

Explained about pension transfers and planning for the future.

Have you seen the outcome you were hoping for?

Not yet as it is still ongoing but hopeful that it will work out.

What could they have done better?

Nothing

First impression from a user who is not yet a client

September, 2022

Overall

Please provide a brief comment about your experience with David

Very knowledgeable

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

When I received my substantial divorce settlement, my trusted accountant, David Lucas at TLL Champion Chartered Accountants recommended David Lloyd Financial Planners. The three of us met and discussed investments.

How has David Lloyd helped you?

He takes the time to explain everything, once I was satisfied and understood the ‘mechanics’ of investment I was happy to move forward with my personal level of risk. I wished to invest the bulk in low risk category because I had never invested and preferred to be more cautious as a ‘newbie’. This happened over a series of meetings suggested by David Lloyd.

Have you seen the outcome you were hoping for?

Yes. It was set up by spring this year and so far I am happy with the results.

What could they have done better?

The service to date is faultless. I have been informed every step of the way, which is extremely reassuring. If I had any questions I can ring his office and get it answered. His availability his refreshing and reassuring and gives me peace of mind.

David's reply

Hi Lindsey, Thank you so much for your kind words. Really pleased that we have been able to assist to date and excited for what the future holds.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

mainly to seek advice for making the most of our money and to retire early.

How has David Lloyd helped you?

his continuing help with our financial and retirement status.

Have you seen the outcome you were hoping for?

so far yes as we have only recently become a client.

What could they have done better?

n/a

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with David

Very interesting first meeting can not wait to see my plan

David's reply

Thanks for your kind words Paul, especially "can not wait to see my plan"! Glad you are looking forward to it, going to have to make sure it is good now :-).

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

I wanted to transfer my Defined Benefit pension.

How has David Lloyd helped you?

David assisted me in gaining advice from True Potential.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything was very satisfactory.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

approaching retirement and need to optimise retirement income

How has David Lloyd helped you?

Established my objectives and put a plan together to optimise cash and pension streams to deliver tax effecient portfolio with our specificities risk profile

Have you seen the outcome you were hoping for?

Yes ...so far the plan has delivered positive outcomes and has outperformed the market indices

What could they have done better?

Reporting is not always accurate utilising the TP platform which means I have to interrogate my investments to establish accurate values.

David's reply

Hi Ian thank you very much for taking the time to provide a review. With regards to the TP platform it can often be difficult for a single platform to pull together figures from a number of different providers. Indeed when the planning is finalised I am confident you will be able to value all investments far more efficiently. This of course will be in-conjunction with our regular portfolio reviews which always provide accurate values.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with David

Very professional and positive.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

Reaching age where I could access my pension, and needed advice on long term saving and investment plans

How has David Lloyd helped you?

Sorted out my pension transfer, and great advice on long term saving plan, was such Fantastic company who where recommended to me from a work colleague, felt no pressure at all, and where very simple and fair in their explanation of products, so I could make a choice that I was content with.

Have you seen the outcome you were hoping for?

Yes I’m happy with my investments and the quality of service provided.

What could they have done better?

N/a

David's reply

Hi Sue, thank you for taking the time to complete, really appreciate your kind words :-)

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

After my husband was diagnosed with terminal cancer he was able to withdraw his pensions early and we needed advice on how to invest the money so it worked for us now, as my husband was no longer able to work and for when he passed away. It was vital for us that the money was invested in the right way so we seeked advice from a highly recommended financial advisor, David Lloyd.

How has David Lloyd helped you?

David advised my husband every step of the way and he has been an enormous support for me since he passed away. He has helped us enormously through an extremely difficult time. David now looks after all the investments and he works very closely with me to ensure the finances work for me and my son.

Have you seen the outcome you were hoping for?

David was highly recommended to us but he went above and beyond what we expected and continues to do so. The service has been excellent throughout.

What could they have done better?

I don't believe the service offered could have been any better.

David's reply

Ahhh thank you so much Rowan. We will indeed continue to assist all we can going forward to help ensure you and Jake get the most out of life.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

Looking for a better return on my pension investments whilst maintaining an acceptable risk structure

How has David Lloyd helped you?

Reviewed my existing pension investments and we then moved funds across five different portfolios to maximise gains whilst maintaining a satisfactory risk profile

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing as far as I am aware

David's reply

That is great feedback Gary, very much appreciated.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Initially receipt of large inheritance. Planning of future retirement.

How has David Lloyd helped you?

I have been a client of David's for the last two years. He regularly takes time to understand my current circumstances, 'wants' and 'needs' for my future. He clearly explains what options available to me.

Have you seen the outcome you were hoping for?

Yes and am excited to see performance over the next 12 months.

David's reply

Thanks so much Carol, really positive feedback, we are just as excited for the future!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

We had never had professional investment planning and decided with retirement as a medium term goal that seeking professional advice was a much needed step to take.

How has David Lloyd helped you?

After looking at our options in the market we decided to move forward with David as he brought to us a strategy and very transparent approach clearly aimed at allowing us to achieve our life goals

Have you seen the outcome you were hoping for?

So far David has delivered outcomes that in the time since we first met have more that exceeded our original expectations.

What could they have done better?

We do not see there is really anything since we first engaged with David that could have been done better.

David's reply

Thanks Tony & Michelle, feedback is really appreciated and thanks for the score!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

Mainly pensions and information on investments, insurance and life cover. However, I am now involved in all of the aforementioned, along with David's life coaching which is superb.

How has David Lloyd helped you?

Honestly. In every feasible way possible. He is very thorough by running through all of my financial circumstances and goals initially, then built a roadmap to give me certainty and foreseeability. We have regular 'check in' calls and meetings. Also, David adjusts his advice very professionally to ever changing circumstance and always has client best interests at heart.

Have you seen the outcome you were hoping for?

Absolutely. 5*

What could they have done better?

Nothing. David is very knowledgeable and a true professional. Lloyd and Co I recommend without reservation.

David's reply

Very kind Ben really appreciated.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Considering early retirement

How has David Lloyd helped you?

Advised me on options for investment

Have you seen the outcome you were hoping for?

Yes so far so good

What could they have done better?

Not much really- I get what I need and when I need it.

David's reply

Thank you Altaf, really appreciate your comments

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with David

Excellent. Very informative and provided some advice/discussion on options. Enjoyed our conversation and would recommend people contact him.

David's reply

Thanks for taking the time to provide a review Terry, much appreciated.

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with David

Clear concise advise

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Personally for review on life insurance and pension, and for work purposes for advice on and help with setting up auto enrolment

How has David Lloyd helped you?

Sound advice resulted in changing insurance policy & therefore saving money. Excellent support in setting up auto enrolment scheme for staff.

Have you seen the outcome you were hoping for?

Yes, with the addition of six monthly reviews provided to track progress.

What could they have done better?

Not sure as I'm very pleased with the service provided.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

Needed some good reliable advice

How has David Lloyd helped you?

I was provided with various options and given friendly, helpful and honest advice.

Have you seen the outcome you were hoping for?

I could immediately see I was getting a better product and service and I was able to save money.

What could they have done better?

Great service, couldn’t fault it. I would recommend David Lloyd to anyone looking for financial advice.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

Long time Previous FA retired David Lloyd has been The perfect replacement

How has David Lloyd helped you?

David Lloyd has been very informative and he is extremely knowledgeable in his field of work he is highly qualified. Which apart from recommendations is why we chose David to deal with our financial affairs. We were happy with the products he chose for us and ever felt pressured, he gave us ample time to think things through. David is very professional which gave us confidence to invest our hard earned money. We would highly recommend David Lloyd & Co to anyone looking for expert Financial Planning .

Have you seen the outcome you were hoping for?

Everything we discussed has been put into place and performing well. We have taken David’s advice and our planning for our future retirement.

What could they have done better?

Possibly more advertising in our local area , of their expert services, then we could have found the company sooner.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

I needed help on reviewing my frozen pensions

How has David Lloyd helped you?

He explained everything to me in a way that I could understand and gave me great advice on my pension.

Have you seen the outcome you were hoping for?

Yes I have been 100% happy with the outcome!

What could they have done better?

Nothing the service was excellent and David made sure I understood that advice I was been given every step of the way.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

Advice and to set up my new pension

How has David Lloyd helped you?

Dave set up my new pension for me and gave me the advice I was looking for

Have you seen the outcome you were hoping for?

Yes, fantastic service

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

I was somewhat confused regarding a historical pension issue and David Lloyd was recommended to me.

How has David Lloyd helped you?

David Lloyd very quickly got to the root of the problem and established the true position in relation to the pension in question. He also then gave me some very sound advice as to the future position of the pension.

Have you seen the outcome you were hoping for?

Yes. From not actually understanding the position I was previously in at all, having spoken with David, everything became much clearer and I felt much more comfortable regarding everything.

What could they have done better?

Nothing. I could not have asked for a more professional handling of my situation.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

I had been left a significant amount of money from inheritance and wanted to explore some of the options that were available to me

How has David Lloyd helped you?

David was very helpful! We had a meeting and went through many investments that I could invest my funds in all matching my risk towards investing.

Have you seen the outcome you were hoping for?

I'm very happy with the outcome, I now have a new investment which has seen some nice steady growth and I feel like I can rely on David for more advice in the future.

Review from verified client

January, 2019

Overall

Value

Service

Advice

Based in Merseyside

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

I needed a mortgage.

How has David Lloyd helped you?

He advised me on the best options to save for our mortgage.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, I am more than happy with the advice I received!

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lancashire

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

Change of work and marital status forced a review requirement.

How has David Lloyd helped you?

Both David and all of his team at Lloyd & Co provide you with a highly professional level of service, and take the time and effort to get to know you as a person and a client, thus ensuring that you are informed and understand all aspects of the recommendations they are making at every stage of the process.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I was more than happy with the whole service provided by David and Lloyd & Co. 5* all the way! Professional, knowledgeable and likeable.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Dorset

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

I needed life cover following the birth of a child and didnt know how much i needed.

How has David Lloyd helped you?

David helped clairify the right level of cover needed and researched the market to find the best prices

Have you seen the outcome you were hoping for?

Absolutely. Very clear, concise and helpful. Great service.

What could they have done better?

Could not be improved. Very satisfied

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Unhappy with existing investment portfolio as new got reviewed with previous adviser.

How has David Lloyd helped you?

Lloyd & Co focused on what i wanted out of life as well as my portfolio. Much happy now and understand my investments and future potential.

Have you seen the outcome you were hoping for?

could'nt be happier

What could they have done better?

could not have done anything better - highly recommend

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

We moved from another provider who we were not happy with

How has David Lloyd helped you?

He looks after all of our financial business requirements

Have you seen the outcome you were hoping for?

Yes we are more than happy

What could they have done better?

Bean to cup coffee machine is always a positive addition to an office

David's reply

Thanks Mark, we do actually have bean to cup but the last review, as I recall, you requested tea? :-)

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

I am an self employed bookkeeper. As self employed I needed to guarantee I have a good pension.

How has David Lloyd helped you?

David Lloyd set me up with an efficient, affordable, and transparent pension which I can follow. The whole experience has been great and would recommend anyone in a similar situation to go directly to David.

Have you seen the outcome you were hoping for?

It has been exactly what I was looking for plus more.

What could they have done better?

Support a better football team. Other than that David has been brilliant.

David's reply

:-)) thanks Chris, but you can't get a better football team than the mighty LFC

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Pension advice

How has David Lloyd helped you?

David explained my pensions and gave me more of an understanding of them and the importance of planning my future.

Have you seen the outcome you were hoping for?

Yes, excited to see more!

What could they have done better?

Nothing, they have everything in hand.

First impression from a user who is not yet a client

September, 2018

Overall

Please provide a brief comment about your experience with David

David Lloyd was the second financial adviser I have met and discussed my retirement plans with. I am meeting another two in the near future and will review all thereafter. My plan is to instruct one of them by the 1st.October, so that I can agree the way forward with my finances before retirement upon 31st.December.

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

I had three different pensions and wanted to maximise my income at the earliest age.

How has David Lloyd helped you?

David provided advice and options while enabeling me to keep control and make my own decisions. There was never a feeling of being pressured or ‘sold’ to.

Have you seen the outcome you were hoping for?

Yes very much so. From our first meeting with David I was able to see how I could achieve what I wanted to.

What could they have done better?

Hard to think of an improvement. It all takes quite a time but it is better that it is not rushed so there is s limit to how quickly you would want this to be.

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with David

I only saw Carl this time, who is doing an initial investigation to see if David can help me; he was very attentive and helpful, taking notes and asking questions about my circumstances and financial query. I was surprised to find out they do not charge for these initial steps, but fees are only paid if David himself gets involved on your behalf. I left feeling far more informed about my situation and quite relieved, and am very confident I will be given the correct advice. I was given some paperwork outlining their services and fees to read if I need their services again. I wish I had discovered them years ago; I only found them by Googling local IPAs and reading the excellent reviews left by other customers. I would definitely recommend this practice and will be doing exactly that to my family and friends.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Sale of a property and downsizing.

How has David Lloyd helped you?

Gave me ll the options and we decided what was best for me.

Have you seen the outcome you were hoping for?

Yes its excellent.

What could they have done better?

Nothing, I don't think. Nothing at all.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Lancashire

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

Advice on savings.

How has David Lloyd helped you?

Arranged investments sensibly.

Have you seen the outcome you were hoping for?

Excellent.

What could they have done better?

Does very good, hope he is still improving.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Lancashire

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

Already new David.

How has David Lloyd helped you?

Due to the sad loss of my husband.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Could not have been more helpful. Do not know how I would have managed without you, thank you so very much.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Investing savings, pension requirements.

How has David Lloyd helped you?

Assisted with consolidating existing pensions. Advised on potential investment schemes.

Have you seen the outcome you were hoping for?

Yes, the investments are maturing at the expected rates.

What could they have done better?

More frequent contact.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

My mother left an inheritance for me in which I need advice in relation to tax.

How has David Lloyd helped you?

Explained and dealt with all tax burdens.

Have you seen the outcome you were hoping for?

Its looking that way, yes.

What could they have done better?

Nothing.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Approaching Retirement.

How has David Lloyd helped you?

Reconstructed my total finance package.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

I wanted to access 2 pensions.

How has David Lloyd helped you?

With the help of another regulated company he transferred my occupational scheme and has helped me access my personal pension as well.

Have you seen the outcome you were hoping for?

Not yet.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Pension options.

How has David Lloyd helped you?

Able to take advice regarding moving my pension over to investment of releasing cash to enable me to buy a house.

Have you seen the outcome you were hoping for?

Definatly.

What could they have done better?

David and Paul were fabulous, everything was perfect!

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Receipt of a substantial bequest.

How has David Lloyd helped you?

talked about investment/quality of life balance. Demystifying the process of investing in the stock market.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing occurs to me at the moment.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Receipt if a substantial bequest.

How has David Lloyd helped you?

Helped us to understand diversification of assets and the need to factor in spending as well as saving to enjoy benefit of receiving bequest.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No issues.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Cheshire

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

Investing a lump sum of money.

How has David Lloyd helped you?

David is always ready to advise on the type of investments that are beneficial to ourselves.

Have you seen the outcome you were hoping for?

Yes, service is excellent.

What could they have done better?

No!! The service and suggestions couldn't have been better.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Cheshire

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

Investing.

How has David Lloyd helped you?

Taken the worry out of our hands.

Have you seen the outcome you were hoping for?

Very.

What could they have done better?

Nothing, Perfect.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

Wanting our savings to give a better return and to safeguard our savings for our children.

How has David Lloyd helped you?

Presented and explained the best available options.

Have you seen the outcome you were hoping for?

Yes, to date.

What could they have done better?

No, all explained well and seemed very straightforward.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Berkshire

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

Not by choice I found myself in dire straights, emotionally and worst financially. I had almost given up getting access to my (pension) funds which I desperately needed. Actually I was beyond desperate. The policy providers were of no assistance to me whatsoever. I found Lloyd & Co's website, testimonials. I just knew they could help.

How has David Lloyd helped you?

I literally arrived at the office of Lloyd & Co, no prior phone call, no appointment. I rang bell. David Lloyd himself answered. I briefly explained by situation. There wasn't much I was desperate. David did not hesitate, he welcomed me in, we went to his office, he listened, and listened, and fully understood my situation. His reassurance was 100%. He new exactly how to handle process getting my funds. Lloyds would manage everything for me. They did. I signed some release forms and David, Hayley, and everyone who played a part took care of everything for me. They kept me up to date and informed every step of the way.

Have you seen the outcome you were hoping for?

Most definitely. From my initial contact with David to receiving my funds - 6 weeks. Could not have asked for anything more. I am truly thankful and indebted to everyone at Lloyds.

What could they have done better?

Nothing. I felt I had met my Pension Angels.

Review from verified client

August, 2017

Overall

Advice

Service