Reviewed for

Insurance and Protection ( 40 )

Mortgages ( 26 )

Pensions ( 72 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 42 )

Investments and Savings ( 88 )

Pension Transfers - Non Specialist ( 14 )

Inheritance Planning ( 23 )

Long Term Care ( 7 )

Pension Transfers - Specialist ( 4 )

Financial Planning ( 17 )

Financial Mentoring ( 5 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 8 )

£200k - £500k ( 19 )

£100k - £200k ( 9 )

£50k - 100k ( 11 )

Up to £50k ( 17 )

Client reviews

First impression from a user who is not yet a client

February, 2024

Overall

Please provide a brief comment about your experience with Darren

very helpful for clarifying the options and illustrating what services are available clear and unfussy

First impression from a user who is not yet a client

February, 2024

Overall

Please provide a brief comment about your experience with Darren

I found Darren to be extremely helpful and clear. His was patient and I felt very much able to trust him with my finances. I would highly recommend Darren as a financial advisor.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Cornwall

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

Needed to find an alternative pension pot investment that provided more realistic returns.

How has Darren Bilkey helped you?

Darren fully took on board our requirements,concerns and successfully came up with an investment option that suited our needs. This he did with total professionalism, expertise and empathy. Very much a strong 'people person' which was portrayed throughout.

Have you seen the outcome you were hoping for?

Very successful setting up of new accounts and investment transfer

What could they have done better?

Nothing comes to mind

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Cornwall

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

Inheritance received

How has Darren Bilkey helped you?

Thoroughly recommend Darren for his knowledge and professionalism in handling our investments. He is very personable and explains everything up front with no pressure to progress until you are happy with his advice. All the paperwork and correspondence was received as promised and systems set up speedily.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Kept well informed throughout.

Darren's reply

Thanks very much for your feedback and kind words!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

Following my retirement in the first half of 2020 (my wife retired some years earlier), I wanted a detailed review of our financial circumstances to ensure we weren't going to encounter any financial hardships in the future, as well as being certain our savings were being wisely invested.

How has Darren Bilkey helped you?

During the time Darren has been our financial advisor, he has always provided clear and concise information regarding my private pension pot and our savings and his assessments of these matters have always been most thorough. Darren provides us with honest and sensible advice, which gives us a great deal of reassurance at all times.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We cannot fault Darren in any respect at all.

Darren's reply

Thanks for your kind words!

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Darren

A great first meeting with Darren who demonstrated impressive knowledge and a genuine desire to understand my financial goals and objectives. Thank you Darren.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in East Sussex

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

My partner and I were looking for advice on life insurance.

How has Darren Bilkey helped you?

Darren explained in depth all our options and happily answered all our questions!

Have you seen the outcome you were hoping for?

Yes - we are now have the insurance that is right for us!

What could they have done better?

N/A

Darren's reply

Thanks for taking the time to leave a review - glad we got the right outcome

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in East Sussex

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

Life Insurance after buying first home.

How has Darren Bilkey helped you?

Darren was excellent at explaining all the options available regarding life insurance and took the stress away from it. From explaining the differences between income protection, critical illness cover etc. This gave me great understanding of what I needed, and the options available to me. Darren is very knowledgeable and took into consideration budget and my needs.

Have you seen the outcome you were hoping for?

Yes, I now have taken out cover under Darren's advice.

What could they have done better?

Nothing, fantastic service.

Darren's reply

Thanks for the feedback and kind words!

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Devon

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

My life insurance policy had expired and I needed to look for a new policy.

How has Darren Bilkey helped you?

Darren discussed all of the 3 insurances I could take out very clearly and then gave me to time to process the information and discuss it with my husband. He took the time to explain how each one would benefit me and I decided to ask for an amount of cover in each of them, rather than just the life cover.

Have you seen the outcome you were hoping for?

Darren put together a comprehensive illustration of the 3 insurances, which we further tweaked to make it completely suitable for my current requirements. He then supported me within a meeting to complete the questionnaire.

What could they have done better?

The process was very straight forward and Darren was professional and easy to work with. There wasn't anything he could have done better.

Darren's reply

Thanks very much for your feedback - glad we got what you needed!

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Norfolk

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

To manage investment savings on a professional basis.

How has Darren Bilkey helped you?

Reviewing investment savings and providing a cost effective solution, which has enabled a significant savings on the fees charged.

Have you seen the outcome you were hoping for?

Yes by Darren (and TFA) transferring investment saving into another investment provider thereby reducing the fee charges.

What could they have done better?

Nothing, as this was an easy change to make with help provided by Darren from the start to finish of the process.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

I was considering Equity Release but it's a bit of a minefield so I wanted some advice.

How has Darren Bilkey helped you?

Very thorough assessment of my financial circumstances, planning for the future, and a comprehensive guide to all that is equity release. Darren left no stone unturned in his clarification and guidance. I am so glad I didn't walk into this blind.

Have you seen the outcome you were hoping for?

Absolutely. I have released enough equity to finish home improvements on my property, help out my daughter and still have something behind me. I have the option to drawdown more if I need to in the future.

What could they have done better?

Nothing!

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

We had savings pots with a variety of providers and needed advice on their suitability. We also wanted a clearer understanding of how we could best plan for the future, especially helping our family financially.

How has Darren Bilkey helped you?

Darren spent a a lot of time helping us to clarify our current financial circumstances and to think more specifically about our goals, both short and long term. This was really useful and we certainly wouldn’t have done this without his prompting.

Have you seen the outcome you were hoping for?

Yes. Our investments have been streamlined and invested more suitably. We have made provision to support our children and grandchildren efficiently.

What could they have done better?

Nothing.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

I had recently retired, had several different savings plans & also wanted to take a lump sum from my Pension scheme so needed some advice on the best course of action to reinvest & ensure we had a good stable income on top of our company pensions.

How has Darren Bilkey helped you?

Darren quickly got to work & helped us to gain a significant benefit straight away before the end of the Financial year by taking up some available Tax relief that we were unaware of. He also carefully explained & discussed the various options that were available for our money to be invested. At all times Darren was clear & extremely helpful.

Have you seen the outcome you were hoping for?

So far we have gained a considerable amount due to Darren's advice & I have happily recommended his services to other colleagues who have recently retired. All of our investments where put together to gain the maximum benefit possible. We have gained far more that the cost of Darren's services, gains that we would not have had without his help.

What could they have done better?

Nothing, the service has been excellent & we are really pleased that Darren was recommended to us.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

I was having real issues with trying to contact my pension provider. I felt I had no control over my pension so decided to use vouchedfor to find a financial adviser to help with the situation.

How has Darren Bilkey helped you?

Darren was able to put me back in control of my pension. With his advice I moved my pension pot to a new provider and now have total access to it. I can see how it is working on a daily basis. Darren made sure I fully understood all my options and I am now much more aware of how pensions work.

Have you seen the outcome you were hoping for?

I am very happy with the outcome. Being more in control of my pension with Darren's help has given me a new confidence going forward.

What could they have done better?

I don't think there is anything he could have done better.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

I had a company pension that urgently needed a way forward. The provider was hard to deal with. We needed independent advice,really wanted someone local. I enquired with Unbiased, Darren was among those listed.

How has Darren Bilkey helped you?

Darren has taken much of the worry away in providing an investment path for the future,this had been an on going worry for a number of years. Much of it due to the uncertainty's of the financial markets but also me being fearful of wrong decisions of planning a retirement.I needed some straight advice. Darren made it so much easier & a weight off our shoulders. The meetings were easy to conduct via Teams or Zoom,Darren is very into IT & screen sharing was ideal to show us illustrations of the projected future. Document signing via online,fast & easy. Overall a good experience.Darren is really easy to deal with & to us that counted for a lot.

Have you seen the outcome you were hoping for?

I suppose ask in 5 years time,we'll have a clearer picture then.

What could they have done better?

I don't think they could have done any better.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

I was looking to Consolidate my pensions ,

How has Darren Bilkey helped you?

Darren has gathered all the information over Teams meetings and phone calls, Darren answered all my questions and concerns helping me to make an informed decision to the way forward,

Have you seen the outcome you were hoping for?

Yes hoping the future economic climate with Darren,s expertise will get the results I wish towards my retirement,

What could they have done better?

I was happy with the process,

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

Investment advice needed

How has Darren Bilkey helped you?

Darren thoroughly understands my financial requirements and has been extremely helpful in advising me on my portfolio.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in West Sussex

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

I wasn't happy with my current advisor and when Darren came so highly recommended I felt it was a good move to make.

How has Darren Bilkey helped you?

Enormously; I get a financial picture I have not previously had with other FA's and am encouraged that that the advice I get from Darren is concise and clear.

Have you seen the outcome you were hoping for?

It's early days and the markets have been challenging but it's starting to head in the right direction. It's about long term planning and Darren responding to my future financial needs.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

Recommendation from a friend as I approached retirement.

How has Darren Bilkey helped you?

Investments and pension planning.

Have you seen the outcome you were hoping for?

Within the confines of a recently turbulent financial market we are on track.

What could they have done better?

Nothing, the financial advisor is available to answer queries.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

Inheritance/redundancy package. Needed to know how best to invest

How has Darren Bilkey helped you?

Invested to a level which suits our living requirements

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, fully satisfied with his continued financial services

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cornwall

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

I was looking to retire early and wanted some advice.

How has Darren Bilkey helped you?

I approached Darren after finding some favourable internet reviews regarding financial advisors and wasn’t disappointed. Darren transferred my existing pension into a more flexible pension which accommodated flexible drawdown. He explains everything in terms you can understand and he is very approachable.

Have you seen the outcome you were hoping for?

The last year or so has been very volatile to say the least but I believe Darren has invested my portfolio appropriately.

What could they have done better?

Very happy with Darren’s advice. Really don’t think he could of done any better considering market conditions.

Darren's reply

Hi Tony, Thanks very much for taking the time to review my service - it's a pleasure working with you both! Darren

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Both my husband and myself needed financial help with our private pensions and savings .

How has Darren Bilkey helped you?

We have been with Darren fir well over 5 years and he has helped move private pensions to a better invested pension, and built portfolios for us both from our savings.

Have you seen the outcome you were hoping for?

We are both retired and Darren has worked out the perfect drawdown for us to live very comfortable, with no hassle or worries !

What could they have done better?

There is nothing Darren could do better, he has managed everything perfectly, we have regular catch ups and he always keeps us up to date with everything. He is extremely good at explaining things to us, always very professional, while being very friendly at the same time, we are completely happy with all he has done !

Darren's reply

Thanks for your kind words Ann - it's a pleasure to advise you both.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Retiring and wanting to invest my pension

How has Darren Bilkey helped you?

Reinvested some pension monies and invested other monies

Have you seen the outcome you were hoping for?

Regarding investing of monies - yes

What could they have done better?

Nothing - although it took a few weeks to sort I was kept informed of what was happening at all times, which was great

Darren's reply

Thanks very much for your feedback Elaine - glad to have helped!

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

I was approaching retirement and I had a number of pension pots that I wanted to combine into a single fund which I then wanted to invest to give me the best possible return.

How has Darren Bilkey helped you?

Darren contacted the various pension schemes on my behalf and provided advise on the best ways to proceed with investment. As part of this exercise Darren found that one of the pension providers had under estimated the value of my pension and got the provider to increase the offer to the correct amount. As part of the advise Darren proposed the use of a financial investment company which has preformed very well over the last few turbulent years and my investment has grown. Combined with this Darren undertook an overall assessment of my financial situation and provided a forecast of my future financial situation. This a has enabled me to plan my retirement with a degree of confidence. We now have scheduled yearly meetings where Darren provides an update on the initial advise.

Have you seen the outcome you were hoping for?

Based on the investment advise and forecast provided by Darren, I am looking forward to a happy retirement.

What could they have done better?

Not very much.

Darren's reply

Thanks for your kind words!

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Saving on inheritance tax

How has Darren Bilkey helped you?

Great advice on reducing inheritance tax by setting up pensions for my grandchildren

Have you seen the outcome you were hoping for?

Yes the investment is doing well

What could they have done better?

I am satisfied with the outcome

Darren's reply

Thanks very much for taking the time to leave a review! Darren

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

We were looking to consolidate our investments and pay off our mortgage .

How has Darren Bilkey helped you?

Darren has structured our investments onto one platform .

Have you seen the outcome you were hoping for?

Our investment objectives have been met .

What could they have done better?

There is nothing Darren could do better . We were kept informed with online meetings in the depths of Covid .

Darren's reply

Thanks very much for your kind words - great to catch up with you! Darren

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

To invest redundancy money

How has Darren Bilkey helped you?

To advise on how and where to invest the money

Have you seen the outcome you were hoping for?

Not at the moment with present circumstances

What could they have done better?

Nothing in view of present circumstances

Darren's reply

Thanks for taking the time to leave a review - certainly a difficult time for the country at present but keep faith in your financial plan and it will keep faith with you! Darren

First impression from a user who is not yet a client

August, 2022

Overall

Please provide a brief comment about your experience with Darren

After our enquiry a meeting was set up at our convenience. Darren was friendly, extremely helpful and professional. He explained everything thoroughly.

Darren's reply

Thanks very much for your kind words - looking forward to working with you. Darren

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Pension pot and inheritance

How has Darren Bilkey helped you?

Made money work for me Expert advice And his knowledge

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Darren's reply

Hi Mark - thanks very much for leaving a review. Darren

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

To carry on with my personal pension business and advise me on investments

How has Darren Bilkey helped you?

He has given me excellent advice and has continued with my financial business

Have you seen the outcome you were hoping for?

Things are going in the right direction .

Darren's reply

Hi Paul thanks for your feedback! Darren

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

I am self employed and wanted advice to set up a private pension and ISA

How has Darren Bilkey helped you?

Darren has been very supportive over the whole time I have known him but even more so since the start of the pandemic with the knock on affects on global markets. He strongly advised me to wait and I am so relieved I did! He has also been very helpful with my lack of technical ability when it comes to the internet and accessing my accounts. I cannot thank Farren enough for his support and advice over the last few years.

Have you seen the outcome you were hoping for?

Yes I am very happy with the performance of my small financial portfolio which would not even exist without Darren.

What could they have done better?

Nothing.

Darren's reply

Thanks very much for your feedback Karen!

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

We had cash which we wanted to invest long-term to provide an additional income later in our retirement.

How has Darren Bilkey helped you?

Darren's experience and advice gave us the confidence to invest.

Have you seen the outcome you were hoping for?

The circumstances over the Covid period and more recently the Ukranian war, has not enabled the markets to work in our favour unfortunately. But as we are longer term investors, we are not too concerned at present.

What could they have done better?

Nothing. Market circumstances are not within their control.

Darren's reply

Thanks very much for your feedback Phil!

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Annual review of my portfolio

How has Darren Bilkey helped you?

Darren’s pre-meeting preparation is very thorough enabling him to give very clear explanations during my financial review. I have recommended Darren, to family and friends, for financial advice.

Have you seen the outcome you were hoping for?

I am pleased with my investments and the outcome is what I had expected.

What could they have done better?

I cannot think of any improvements - Darren's preparations and explanations meets all of my requirements.

Darren's reply

Thanks for taking the time to leave your feedback Nigel!

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Financial advice

How has Darren Bilkey helped you?

Darren has helped me with my finances, investment and pension

Have you seen the outcome you were hoping for?

Yes

Darren's reply

Thanks for your feedback!

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Darren

Darren was really approachable and made me feel at ease as soon as our meeting began. He was extremely knowledgeable and listened to everything and was able to give me several scenarios that would meet my needs.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

I instructed Darren Bilkey at TFA in 2021, after relocating to the South West.

How has Darren Bilkey helped you?

Darren has assisted me with financial advice to enable me to adapt to new circumstances, and to set up a financial plan for the future. He provides clear, straightforward advice, in a helpful and friendly way.

Have you seen the outcome you were hoping for?

I have received the level of advice I require and have been made aware of the fluctuations which may affect my circumstances due to world events.

What could they have done better?

I am satisfied with the advice I have received.

Darren's reply

Hi Liz thanks for your feedback, though I can see there is room for improvement! Look forward to catching up with you.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

My husband and I wanted a review of our pensions, and help with planning for our retirement.

How has Darren Bilkey helped you?

Darren's professionalism, friendliness and knack for making complicated financial dealings a little less daunting has been very helpful to us both. He has taken time to get to know us and our situation, and this really comes through in our annual review. He always takes the time to fully explain the reports and put them in context, which we find particularly helpful, and he is an excellent communicator.

Have you seen the outcome you were hoping for?

Our pensions are performing as we would expect them to, so we are pleased with the outcome so far.

What could they have done better?

Nothing.

Darren's reply

Thanks for your feedback Rosie!

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Darren has been a great help to my wife and I after we inherited a sum of money and were unsure how to best use it to supplement our income through investments.

How has Darren Bilkey helped you?

Darren took time to fully understand our complicated work and life situation and plans for the years ahead. He formulated an investment strategy to suit our needs and took a significant amount of time to explain the whys and wherefores and answered my many new investor questions. Darren was also able to produce an investment plan which met our strict ESG requirements. I would certainly recommend Darren to others!

Have you seen the outcome you were hoping for?

Yes, Darren’s patients and knowledge has given us the confidence to move forward.

What could they have done better?

No, very happy with Darren's service.

Darren's reply

Thanks very much for your feedback

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Sussex

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

As I approach my mid fifties, I felt the financial advice I was currently receiving wasn't comprehensive and that I wasn't receiving the sort of advice or attention I wanted at this crucial stage in life financial planning.

How has Darren Bilkey helped you?

Darren was unbelievably thorough, looking at all aspects of my financial health. We took it apart bit by bit, uncovered where my money wasn't working for me, discussed risk and future needs, current and future spend and went through all aspects of moving my money to another platform which would deliver what I am looking for.

Have you seen the outcome you were hoping for?

It's early days in terms of return, but I am confident in the decisions we made together and look forward to seeing better results in the years to come.

What could they have done better?

I can't think of one thing that I can say could have been done better. The communication has been unsurpassed through the whole process.

Darren's reply

Thanks very much for your feedback Helen!

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

I was left a reasonable amount of money and needed advice as to its inverstment

How has Darren Bilkey helped you?

Darren took over the management of my portfolio when my first,trusted advisor, retired but who advised me that Darren as very well placed and qualified to do this. My previous financial advisor had every confidence that Darren would be a good replacement able to give the sort of advice and help, that I personally needed and this has proved to be very much the case. He has made sure that I am getting not moly the best value for my investments, but invested in the manner I would prefer, but also importantly is very aware that at ' my age and stage' I need all the help I can get!

Have you seen the outcome you were hoping for?

My portfolio has been handled as I have asked and I have been able to conitue with the standard of living that I had hopped for, but bearing in mind the long term outcome.

What could they have done better?

So far as I am able to assertain, not being qualified in finance, everything has been done to the standard promised and help always available should I require it, so for me personally there are no improvements to be made.

Darren's reply

Thanks very much for your kind words!

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

Having retired we were looking for good financial advice that would enable us to firstly invest our retirement funds to provide us with good growth and security. Secondly we wanted advice on equity release from our house.

How has Darren Bilkey helped you?

Darren Bilkey from TFA has been our financial adviser for a number of years. He has given us advice on where to invest our money and our investments have performed incredibly well. Recently he has given us his financial expertise covering equity release, which we opted to undertake. His expertise was well informed, and provided us with the information and confidence to make this decision. Without hesitation I recommend Darren Bilkey at TFA, to provide you with good professional financial advice.

Have you seen the outcome you were hoping for?

In both instances, we have been extremely satisfied with the outcomes.

What could they have done better?

Nothing!

Darren's reply

Thanks very much for your review - much appreciated and pleased to hear I have met your expecations! Darren

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Darren

I met Darren for the first time via a Team Meet setup in which I had no functioning webcam or microphone on my PC. Darren quickly found a solution and with his help we spoke using the PC (where I could see him) and my old mobile phone (through which I spoke to him). This told me a lot about Darren's competence, adaptability and initiative -and the succeeding discussion did not let him down. He listens, is clear in his responses, relaxed, reassuring, informed and very intelligent. As a result I came away from the initial meeting with a pretty clear idea of where I stood financially and what my options were. I'm consulting one or two other financial advisors, just to be sure of who I feel most secure with. Thank you, Darren.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Cornwall

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

To consolidate our savings into pensions.

How has Darren Bilkey helped you?

Did as asked explaining everything very clearly.

Have you seen the outcome you were hoping for?

Yes, even in these uncertain times.

What could they have done better?

Nothing

Darren's reply

Hi Sue - happy new year - thanks for taking the time to leave a review! Darren

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Reached retirement age

How has Darren Bilkey helped you?

Giving me good advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Darren's reply

Thanks for taking the time to leave some feedback Phil - catch up with you next year. Darren

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

I needed help as I am inexperienced.

How has Darren Bilkey helped you?

Calm, assured and very helpful.

Have you seen the outcome you were hoping for?

Yes very satisfactory.

What could they have done better?

Nothing I know of.

Darren's reply

Thanks very much for your feedback! Darren

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

How has Darren Bilkey helped you since your last review?

Darren completes regular reviews of my portfolio. He gives me honest straightforward non pressurised advice by using his experience and detailed market knowledge.

Darren's reply

Thanks very much for you feedback - appreciated! Darren

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Looking for advice on investments and savings .

How has Darren Bilkey helped you?

Darren has helped us by investing our funds and are confident with his advice .

Have you seen the outcome you were hoping for?

Our investments are performing well .

What could they have done better?

Nothing

Darren's reply

Thanks for your feedback David - much appreciated. Darren

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

I had a number of pension “pots” and I needed professional advice on how best to invest the various funds to maximise my pension.

How has Darren Bilkey helped you?

Darren reviewed the various funds and not only advised on how best to invest the funds but also managed to find some funds that I was not aware of.

Have you seen the outcome you were hoping for?

As a result of Darren’s advice I now have a projected pension income which I am very happy with and there will be yearly reviews to assess whether any changes are required.

What could they have done better?

I do not believe that there is anything that could have been bone better.

Darren's reply

Thanks for your kind words Terry! Darren

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

I have had a Financial Adviser for over 30 years. My original circumstances were that I needed to set up a personal pension, but over the years, I have had more need of an adviser in terms of life insurance, other investments and mortgages.

How has Darren Bilkey helped you?

I have had a Financial Adviser since 1991. Of the 4 different advisers I have worked with over that period, Darren's advice, insight and understanding of my requirements has exceeded all those before him. He takes time to explain things in my language and is willing to provide as many different illustrations and references as I need. Darren has understood my needs and focused on the areas I wanted to address with good advice and good results.

Have you seen the outcome you were hoping for?

I always want more, but I am happy with the outcomes I have received so far.

What could they have done better?

Nothing. Really.

Darren's reply

Thanks very much for your kind words John - as always if you feel that I can improve our service in any way please let me know! Darren

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Myself and my husband needed help with our savings and pensions.

How has Darren Bilkey helped you?

On first meeting Darren, I was very impressed with how professional he was, while also being very friendly. He most definitely knew what he was talking about, he was in fact very knowledgeable about investments and pensions. He took over my portfolio , and changed it to a much better investment. He moved money from my bank accounts to even better investments. He changed my husbands pension to a much better one. Now he is looking after us in our retirement, with providing us with a very good standard of living for the rest of our lives, from our pensions and portfolios. Quite a task, but he has it all sorted out. My husband and myself, are extremely pleased with all that Darren has, and is, doing for us, and apart from his professionalism he is a really polite and friendly person, we both like him a lot. He makes understanding things that we would normally struggle with, very easy to understand, which in return gives us both confidence! Darren, is highly recommended by us, I honestly think, we could never of done any better, totally satisfied !!

Have you seen the outcome you were hoping for?

Yes indeed we have ! He is managing both our portfolios perfectly.

What could they have done better?

He could not of done anything better, we are both pleased with everything, thank you Darren.

Darren's reply

Thanks for your feedback - a pleasure to advise you both! Darren.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

To reduce our inheritance liability

How has Darren Bilkey helped you?

Suggested we invest money into pensions for our grandchildren to reduce inheritance tax

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He was very efficient and easy to deal with so I cannot suggest how things could be done better

Darren's reply

Thanks for your feedback - appreciated as always! Darren

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Having had poor financial advice from a previous source this firm was strongly recommended

How has Darren Bilkey helped you?

Having taken over my finance, from a colleague who retired. Darren has continued to advise and recommend the best way forward with my funds, and with an inheritance I was left, bearing in mind my cautious attitude to risk….in other words he listens to what you say, which I find reassuring as I am not totally comfortable dealing with this aspect of my life. as I am not overly confident when dealing with this subject.

Have you seen the outcome you were hoping for?

I have more than seen the outcome I was hoping for especially in these difficult times

What could they have done better?

Not sure anything could have been done better.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Having had poor financial advice from a previous firm I was directed, by a friend, to this firm and their advisers.

How has Darren Bilkey helped you?

Darren having taken on my finances, from a colleague who retired, has continued to make my funds grow bearing in mind my fairly cautious attitude to risk. He advised me on the best path to go, for me, with an inheritance I was fortunate to be left and insured that all aspects of the transaction was smooth sailing at what was a difficult time for me and my family.

Have you seen the outcome you were hoping for?

I have more than seen the outcome I expected…. I never, in this present climate, would have expected to see my finances grow as they have done

What could they have done better?

Not sure that there was anything else he could have done better.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Darren

helpful pressure free unbiased advice. We are novice investors and needed help in getting the best posible outcome on our investments. Easy to talk to and happy to explain and repeat as much as necessary. Made certain that we understood all the options he was talking about. Would recommend anyone unsure of how to make the most of surplus funds to contact Darren

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

I needed help managing my investments

How has Darren Bilkey helped you?

He provided a great deal of valuable and relevant information

Have you seen the outcome you were hoping for?

Yes

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Setting up a pension.

How has Darren Bilkey helped you?

Thoughtful and helpful advice that made sure I was doing the right things to achieve my goals.

Have you seen the outcome you were hoping for?

Investments and pension have performed very well, and specific advice has helped to save a fortune.

Darren's reply

Thanks very much for the review! Darren

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in South Yorkshire

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

We were approaching retirement and needed sound advice regarding our numerous pension pots.

How has Darren Bilkey helped you?

Darren looked at all our financial details and advised what our options were, we were more than happy with the advice that he provided in relation to our pension planning.

Have you seen the outcome you were hoping for?

Yes, the figures have exceeded our expectations.

What could they have done better?

Nothing

Darren's reply

Thanks very much for your kind words - if we can improve any aspect of the service provided please do let us know!

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Darren

Wasn't able to help my case, suggested some solution.

Darren's reply

Hi Kit - I am sorry that I wasn't able to help you - as I mentioned to you, sadly the service you contacted me about isn't an area we operate in, and we are unable to provide regulated advice if you do not live in the UK. I hope my suggestions help and that you find an adviser to suit your circumstances. Best wishes, Darren

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Our previous consultant retired and recommended Darren as his successor.

How has Darren Bilkey helped you?

Continued investment advice which is valued and reassuring and on going, would recommend Darren on experience and past consultations.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No complaints

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Hampshire

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

I sought financial advice following buying my first property, this has continued to date and has helped to plan mortgages, investments and future proofing my finances for my children.

How has Darren Bilkey helped you?

Darren has always been very approachable, methodical and knowledgeable with any enquiry. He works effectively has helped my husband and I plan our financial futures carefully.

Have you seen the outcome you were hoping for?

Absolutely, very happy with where things are now and we have more plans to secure our finances as we progress through life.

What could they have done better?

Happy with everything to date no critical feedback.

Darren's reply

Thanks for you review - it is appreciated! Darren

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Like others, we ‘inherited’ Darren when our financial advisor retired.

How has Darren Bilkey helped you?

He helped us by reviewing our portfolio before we first met, actually listening to our hopes and fears for our financial future then giving us good, common sense advice.

Have you seen the outcome you were hoping for?

Since our first meeting, Darren has not given us any reason to change our high opinion of him, both professionally and personally.

What could they have done better?

We cannot think of anything Darren could have done better. In these extraordinary times he has kept in touch via email and zoom (ably supported by Steph!)

Darren's reply

Thanks very much for your feedback!

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

I inherited an amount of money and needed advice on how to invest wisely. I also retired and needed help sorting out my pension

How has Darren Bilkey helped you?

He invested my inheritance for me and help me sort out my pension.

Have you seen the outcome you were hoping for?

Yes, all my investments are making good progress and I'm able to live comfortably drawing on my pension and savings.

What could they have done better?

Nothing.

Darren's reply

Thanks for your kind words - glad you are happy with the progress! Darren

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Darren has ben extremely helpful in guiding us from our working lives into retirement and the complex issues that can arise.

How has Darren Bilkey helped you?

He reviews our situation regularly ensuring that we benefit from our pensions and investments.

Have you seen the outcome you were hoping for?

Yes, the broad outcomes have been met and often exceeded thanks to his friendly and professional approach.

What could they have done better?

He has fully met our expectations, we really appreciate his approach to what can for be a complex subject. We would not hesitate to recommend Darren to others.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Our previous advisor was retiring and recommended Darren Bilkey

How has Darren Bilkey helped you?

Improved our investments.

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Darren

Darren answered my pension contributions queries fully.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

we needed professional advice following redundancy

How has Darren Bilkey helped you?

Darren has given us options we would not have been unaware of and moved our money to another provider so we get a better return.

Have you seen the outcome you were hoping for?

Very much so, Darren has helped us to maintain the lifestyle we want.

What could they have done better?

nothing that I am aware of.

Darren's reply

Thanks very much for your kind words Mike! Darren

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

We wanted to invest capital to supplement our pensions if required.

How has Darren Bilkey helped you?

Darren gave us confidence to accept his advice backed up with information that made us feel comfortable in his ability to look after our future.

Have you seen the outcome you were hoping for?

n/a as we are only just about to make the investment.

What could they have done better?

As above

Darren's reply

Thanks for your kind words Phil - looking forward to working with you!

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

First annual review on investments

How has Darren Bilkey helped you?

Darren explained everything very clearly and answered all my questions. I would thoroughly recommend him for financial advice.

Have you seen the outcome you were hoping for?

I am very pleased with the investments so far and am confident that Darren has recommended the best investments for my needs.

What could they have done better?

Nothing. Darren gives 100 per cent and always gives a thorough explanation of everything.

Darren's reply

Thanks for the feedback Julie - much appreciated! Darren

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Darren

I had a meeting with Darren and was very impressed. Here is why: 1. Darren came well prepared. He studied my numbers prior to our meeting and didn't waste time covering the basics. 2. He was very knowledgable and gave actionable advice. 3. He spent well over 1h answering all my questions despite it being our initial (free-of-charge) meeting. 4. He was genuinely interested in my best. Selling his services was not a priority. 5. It was a pleasure to talk to him.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

My previous financial advisor retired and Darren thankfully took over the portfolio.

How has Darren Bilkey helped you?

Advice on balance vs risk for pension and savings and annual portfolio update reviews.

Have you seen the outcome you were hoping for?

Yes despite challenging Covid19 times the portfolio has performed well increasing in value.

What could they have done better?

Nothing

Darren's reply

Thanks for taking the time to leave some feedback Alan - appreciated! Darren

First impression from a user who is not yet a client

April, 2021

Overall

Please provide a brief comment about your experience with Darren

Working with Darren has been an invaluable experience. I highly recommend him. I found out all the information I hoping to be advised on and more. He is super easy to speak to and lays things out clearly so you can see for yourself what will work for you. He has given me a formula I can take away and apply to other investments I may be interested in, making me feel empowered to make more informed and knowledgeable investments. Thanks for your time and advice Darren!

First impression from a user who is not yet a client

April, 2021

Overall

Please provide a brief comment about your experience with Darren

Very clear explanation of services and charges.

First impression from a user who is not yet a client

April, 2021

Overall

Please provide a brief comment about your experience with Darren

For our initial meeting, Darren was able to give us the confidence needed for us to go forward with using him and his services for planning our retirement future.

First impression from a user who is not yet a client

February, 2021

Overall

Please provide a brief comment about your experience with Darren

Sound advice given and very knowledgeable! Would definitely consult Darren again in the future and highly recommend him!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cornwall

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

Pension and investment advice, along with mortgage advice.

How has Darren Bilkey helped you?

Ongoing pension and investment advice, plus worked out the right mortgage approach when moving house.

Have you seen the outcome you were hoping for?

Definitely, investments have all performed well considering what has happened for the last few years, and very happy with the mortgage deal.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren has bought me up to date with my investments. He has reassured me about my financial progress in this current downturn. He has continued to work very hard to progress my investments.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in South Yorkshire

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

I had many pensions that were not performing well. Darren contacted us for a review and we decided to enlist his help.

How has Darren Bilkey helped you?

He looked at all my different pensions and advised that we change companies on some of them. The ones that were performing well, we were advised to leave where they were.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, we were given sound advice, followed by phone calls and yearly reviews

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Had various savings and small pensions ,needed advice re pension planning and savings

How has Darren Bilkey helped you?

Increased our pension pot so getting more out of our savings and advice re oensions and tax as we are self employed.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cant think of anything.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Poor knowledge on my part of how to use our savings and redundancy payment on retirement.

How has Darren Bilkey helped you?

Darren was not our initial IFA but took over from another member of staff approx. 2 years ago. His most recent advice saved us money without losing the quality of service we have always and contiue to enjoy.

Have you seen the outcome you were hoping for?

Daft question considering the year we have all experienced! However, we have been advised well and kept up to date by Darren I don't believe he could have done more for us.

What could they have done better?

N/A

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

I used Darren to give advice about investing in a family inheritance and sorting out my teacher's pension.

How has Darren Bilkey helped you?

He invested my inheritance and set up my teacher's pension.

Have you seen the outcome you were hoping for?

Yes, he confidently and satisfactorily set up all my investments for me.

What could they have done better?

Nothing

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

My previous advisor retired

How has Darren Bilkey helped you?

Darren has made the whole understanding of my pension so much easier, I can track and follow it on a daily basis and he is always keeps me up to date on any relevant changes etc

Have you seen the outcome you were hoping for?

Yes I definitely have

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

My financial advisor retired

How has Darren Bilkey helped you?

Darren has been extremely helpful in bringing all my financial information together onto one platform where I can access it and see on a day to day basis how it is all performing. Darren has advised on pension shifts and evaluated my needs for the future to ensure the correct placement for these.

Have you seen the outcome you were hoping for?

I am extremely pleased on how my investments have performed.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

I needed professional advice for the future

How has Darren Bilkey helped you?

He listened to me , understood my lifestyle and what I want to achieve financially in the future . I did not feel under pressure to make quick decisions . I trusted him .

Have you seen the outcome you were hoping for?

Well these unusual times have caused a lot of uncertainty . Darren has kept me informed and I am invested for the longer term , not a quick gain .

What could they have done better?

Nothing . Darren is a nice chap . Very friendly , and I feel my financial affairs are well looked after . I know if I am not happy , I can contact him and will listen and act .

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

was made redundant and wanted to make the best use of monies at the time

How has Darren Bilkey helped you?

advised on which group to go with and how my pension plans were working out. Darren recommended I change the pension provider as the returns were not as good as could be.

Have you seen the outcome you were hoping for?

Happy with the outcome.

What could they have done better?

nothing more as explanation and graphs shown were clear.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Following the death of my father I inherited a considerable amount of money. Still being of working age with a young family I wanted to come up with a plan with my wife that meant we had a good standard of living both now and in the future whilst providing for our growing family.

How has Darren Bilkey helped you?

Working with Darren we have come up with a plan of expenditure for the current, this details what annual income need to generate to sustain our current lifestyle, whilst ensuring we have enough put aside to ensure we can achieve our plans for the children and ourselves in the longer term.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

I'm not sure there is anything that is in Darren's control that could have been done better.

Darren's reply

Thanks very much for the feedback Martin - much appreciated. Darren

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Support for investments and pensions as I head towards retirement

How has Darren Bilkey helped you?

Advise on Pensions, transferring money into a Pension and investments for my retirement.

Have you seen the outcome you were hoping for?

I have recently taken out my investments but I am confident that the outcomes will be what I am hoping for.

What could they have done better?

Darren gave clear information on my investments and repeated advice to ensure I had a good understanding. He gave a personalised service and was clear about his fees and how he would support me going forward. Daren is passionate about his work and a trusting relationship was quickly built.

Darren's reply

Thanks very much for your kind words Kim - as always if there is anything I can help with please get in touch.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Divorce - but still partners in business and I needed to protect my income and pensions.

How has Darren Bilkey helped you?

Darren listened, suggested, advised and explained clearly what my options were.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I’m sorry, I do not have any constructive suggestions. In my case (clueless regarding finance!) Darren did everything right, helping me understand without making me feel a numpty!

Darren's reply

Thanks very much for your feedback Jo! Darren

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Planning for the future and to reduce inheritance tax.

How has Darren Bilkey helped you?

Set up a new pension and gave advice on surplus income investments to reduce inheritance liability

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He was very clear with his advice

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

My wife and I were planning our investments for retirement

How has Darren Bilkey helped you?

After completing our Attitude to Risk and discussing our financial goals , Darren was able to recommend changes to our investments .

Have you seen the outcome you were hoping for?

Darren's advice has made use of our Annual ISA Allowance and ensured our investments are available when needed .

What could they have done better?

We look forward to when we can return to face to face consultations .

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

My husband passed away and used Darren's predecessor and I was lucky Darren looks after my finances

How has Darren Bilkey helped you?

Darren helps me get an income from my money that I feel happy with and is not to risky I have complete confidence in him.

Have you seen the outcome you were hoping for?

YES

What could they have done better?

Nothing he is smart and I feel comfortable talking to him, and he explains thing so I understand.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

I was able to take advantage of Tom French Associates in may last years of service with what was Business Link where I worked as a consultant specialising in innovation and management. I stayed with Tom French Associates on my retirement when I moved from earning a salary to making the best outcome with my pension arrangements. I met Darren when an internal change took place and have been with him ever since.

How has Darren Bilkey helped you?

Darren has been able to help both myself and my wife also. In particular, with our long term planning for our investments and also specifically with our pensions and more recently with thinking about inheritance both from a financial and legal perspective.

Have you seen the outcome you were hoping for?

Broadly the outcomes have been as expected although of course like others the last 12 months has been a rollercoaster. However, Darren has always responded our queries even if they perhaps are not directly issues for us but rather the wider family for which we are very grateful.

What could they have done better?

We are much in tune with using 'Zoom' these days, that could offer the possibility of talking each quarter rather than six monthly/annually. It works well for us although we do look forward to meeting face to face when we all can.

Darren's reply

Thanks very much for taking the time to review my services John - certainly looking forward to meeting face to face again when circumstances allow! Darren

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

I was made redundant after 45+yrs service and wanted advice and possible options for 1) investments, 2) savings and 3) company pension (including AVC's).

How has Darren Bilkey helped you?

Excellent service given from Darren who I have found to be very organised, efficient and thorough in his approach to financial advice. Financial options well explained with very good visual information to help to make my decisions. Personal finance portal is an excellent way of sending and receiving confidential information and keeping up to date with my portfolio. Appreciated Darren's assistance with filling in documentation and contacting various companies on my behalf. I have recommended Darren to some of my colleagues - something I wouldn't have done if I wasn't 100% happy. Looking forward to future contacts/reviews.

Have you seen the outcome you were hoping for?

I am pleased with my decisions and the outcome is what I would have expected.

What could they have done better?

I cannot think of anything additional that Darren could have done - everything was very clearly explained when going through my options etc.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

I needed help with money that I inherited.

How has Darren Bilkey helped you?

Darren first became my financial advisor about 5 years ago, after my original advisor retired. I had known my previous advisor for a long time and was rather uncertain about this change, as we had formed a good working relationship and I am not one for change! Having said all this, on first meeting Darren, I was very impressed with how professional he was, while also being very friendly. He most definitely knew what he was talking about, he was in fact very knowledgeable about investments and pensions. He took over my portfolio , and changed it to a much better investment. He moved money from my bank accounts to even better investments. He changed my husbands pension to a much better one. Now he is looking after us in our retirement, with providing us with a very good standard of living for the rest of our lives, from our pensions and portfolios. Quite a task, but he has it all sorted out. My husband and myself, are extremely pleased with all that Darren has, and is, doing for us, and apart from his professionalism he is a really polite and friendly person, we both like him a lot. He makes understanding things that we would normally struggle with, very easy to understand, which in return gives us both confidence! Darren, is highly recommended by us, I honestly think, we could never of done any better, totally satisfied !!

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

He could not do any better, and is doing very well to keep in contact through out both Lockdowns.

Darren's reply

Thanks very much for taking the time to leave me a review Ann - look forward to catching up with you soon! Darren

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

I have had a financial adviser for years and when he retired he told me that he looked long and hard for a replacement and he most certainly did not let us down

How has Darren Bilkey helped you?

Darren had big shoes to follow after my previous advisor retired, however, he is certainly achieving this with his helpfulness, patience and advice. He was incredibly helpful when advising me and guiding me through your new online service when I was investing some inheritance money, and without his assistance I would not have know where to start with that job. I like many others do not really understand the world of finance but with someone like him looking after my money I know that I do not have to worry.

Have you seen the outcome you were hoping for?

Yes I have and I know that if I was in any doubt about anything then I have only got to pick up the phone and Darren will sort it out for me

What could they have done better?

Don’t, honestly, think that there was anything he could have done better.

Darren's reply

Thanks very much for your feedback Sharon - much appreciated! Darren

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

A Covid-related change in my financial circumstances. Consequently, I wanted my existing private pension to be reviewed in order to maximise its potential to provide financial security in the future.

How has Darren Bilkey helped you?

During my initial video meeting with Darren, he clearly and succintly explained the various options available with respect to my private pension pot in the context of my current situation and provided me with recommendations, all of which gave me a great deal of financial peace of mind. He also provided me with an extremely detailed, yet easily understandable, report that essentially summarised our discussions during the video meeting. I found Darren to be very personable and I appreciated the fact he took the time to explain and illustrate the various aspects related to my current private pension and personal expenditure. In addition, at some point in the future, I would like Darren to take a critical look at my savings and investments.

Have you seen the outcome you were hoping for?

It is too early as yet to see the results of his recommendations, but I have every confidence that Darren's advice will ultimately prove to be of financial benefit to me.

What could they have done better?

I really cannot think of any way in which my dealings with Darren could have been improved.

Darren's reply

Thanks very much for your feedback David! Look forward to further discussions in the coming months.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Darren

He was clear and concise about his services and has not pushed me too hard .

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

Having sold my house I had a large sum to invest which would also give me an income

How has Darren Bilkey helped you?

Darren explained everything very clearly. He took the time to ascertain my specific needs and was able to seek out investments which were on a par to what I had wanted. The report he did for me was very clear and substantial in content and I am confident that he has carefully chosen the right investments for me. Darren is very amenable and helpful and I would highly recommend him to anyone seeking financial advice.

Have you seen the outcome you were hoping for?

It's too soon to see the outcome of the investments as they were very recently made, but I shall be able to follow them myself online.

What could they have done better?

I do not think Darren could have done anything better than he has. He was very thorough throughout all out discussions prior to actually investing the money.

Darren's reply

Thanks for your feedback Julie - much appreciated! Darren

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Cornwall

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

My husband and I wanted an overview of our pensions and advice on how to achieve our targets for retirement

How has Darren Bilkey helped you?

Darren gave us clear advice on how to achieve our aims, in a way that was easy to understand. We find him very easy to work with and talk to, and feel confident that our pension situation is now the best that it could be, which is a relief. He is professional, friendly and reliable.

Have you seen the outcome you were hoping for?

Not yet, but we have only started working with Darren in the last year.

What could they have done better?

I'm struggling to think of anything - sorry!

Darren's reply

Thanks for the review Rosie - much appreciated! Darren

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Darren

Very helpful in explaining how he works. Look forward to our video messaging in a few days

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with Darren

Exceptionally helpful and very clear advice

First impression from a user who is not yet a client

January, 2020

Overall

Please provide a brief comment about your experience with Darren

We were very impressed with Darren and felt he was a good fit for us.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

This was in 1991 when my job provided a company pension.

How has Darren Bilkey helped you?

With my Sipp, Mortgage advice and Discretionary Trust advice and assistance for Life Insurance.

Have you seen the outcome you were hoping for?

We are moving towards this.

What could they have done better?

Darren seems to have all my financial needs under control.

First impression from a user who is not yet a client

December, 2019

Overall

Please provide a brief comment about your experience with Darren

Darren responded very quickly and was very clear about the way forward. An impressive introduction to the services he offers.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

To try and reduce Tax & inheritance costs

How has Darren Bilkey helped you?

Gave some options to think about

Have you seen the outcome you were hoping for?

An insight to what has to be done

What could they have done better?

He came over as being honest and to be as helpful as one would expect from a man of his position

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

I have had a financial advisor for about 8 years and then he retired and Darren took over from him.

How has Darren Bilkey helped you?

Darren has been really expert in advising me and also my husband with our savings for our retirement. He explains things very clearly, and takes his time to make sure we understand everything and are both happy.

Have you seen the outcome you were hoping for?

Yes , everything us doing well.

What could they have done better?

There is nothing he could do better, next year we are both retiring, so then he will have his work cut out to distribute our retirement pot,

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Property sales and pension review

How has Darren Bilkey helped you?

Darren discussed with us all the options available to us and then produced the information that guided us to make a decision as to where we invested our money.

Have you seen the outcome you were hoping for?

Yes, we have been very pleased with the returns to date.

What could they have done better?

We really cannot think of any area where Darren could have improved.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Darren

Darren was keen to ensure that he fully understood our requirements and met with both of us before proceeding with financial advice.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Darren

once again his advice was given in clear terms and quite logical. Attempt 2.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

We recently had our first child, which spurred us into getting our life insurance sorted.

How has Darren Bilkey helped you?

Darren advised us on the different products available to us and which may be best to suit our needs.

Have you seen the outcome you were hoping for?

Absolutely - we have products now which best suit our needs and current situation.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren has been meticulous in sorting out our pensions and savings investments so that we are confident that we are on the right track. The most helpful piece of advice has been being able to see financial predictions going forward through into retirement giving us piece of mind. Added to that the investments that Darren has made on our behalf have been confidently growing this past year.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren gives me peace of mind knowing that he is keeping an eye on my investments and would lit me know if I need to do anything different. I can just phone him or go online if I am worried or want to know about anything. He has also advised my on Power of Attorney and Inheritance Tax. All very helpful.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren has continued to monitor my financial position diligently since my last review I was extremely pleased with the performance of my investments this year Darren also gave me excellent constructive advice on matters I had not considered before and I will be following these suggestions immediately It is always a pleasure to deal with him in a friendly and relaxed manner

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren has given excellent advice regarding retirement planning options to my husband and I. He has also helped us to manage our life insurance cover. Darren understands our retirement priorities and our attitude to risk. He is very quick to respond to any emails or phone messages and always can be trusted to do exactly what he promised following meetings and conversations. We feel comfortable to ask him any questions. He gives very balanced advice, always pointing out the pros and cons of each of our options. He explains any process involved in setting up a policy or pension and clearly states any charges upfront. I often recommend Darren to colleagues, friends and family.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Has remained approachable and available. He has continued to provide impartial and sound advice which has enabled us to come to sensible decisions about our investments.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Darren

Darren explained everything clearly I felt very confident in what he could provide and would definitely recommend him

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren has continued to keep me up to date with developments regarding my investments and future plans. He has taken any action we deem necessary to keep everything on track. Darren has ensured that he and I am totally clear on what we I want for my future. He has also mentioned some important aspects of financial planning which I had not thought about! I have no hesitation whatsoever on recommending him to you!

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren continues to bring a fresh pair of eyes to our pensions and investments, as a result of his last review we have updated both of our Wills and instigated Power of Attorneys for the longer term. My wife has also changed her pension provider based on his advice. Darren has also responded to my recent request for his thoughts on a particular share that was under-going a buy-out, something that was perhaps outside his remit.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Recent Retirement

How has Darren Bilkey helped you?

Having ascertained my financial and non financial goals going forward Darren provided me with a clear strategy of how these could be achieved.

Have you seen the outcome you were hoping for?

The initial advice has already provided me with substantial savings on tax and I am completely satisfied with the performance of the financial package recommended and his contact that has been both friendly and professional throughout.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

My partner and I were looking for someone to sort the mortgage on our property. Darren came in with a strong recommendation from a family friend.

How has Darren Bilkey helped you?

With minimal stress or hassle Darren sorted everything for us.

Have you seen the outcome you were hoping for?

I have absolutely seen the outcome we hoped for.

What could they have done better?

Keep up with the approachable and professional attitude towards customers.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Our mortgage fixed rate was due to expire and we wanted to have advice for the best offers available to us and also look at the potential for expanding our property portfolio.

How has Darren Bilkey helped you?

Darren took the time to listen to everything we wanted and had to say and then found us the very best offers available- far better than we had found ourselves and showed us how it would be possible to achieve our future plans, all in a way that was so easy to understand. Nothing was too much trouble for him, the service he provided us with is beyond compare and we are so very grateful and would recommend him so very highly.

Have you seen the outcome you were hoping for?

Yes most certainly, he has exceeded our expectations and we are extremely happy with the service and advice we have received.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Moving home and having a child.

How has Darren Bilkey helped you?

Darren helped my wife and I move during a difficult set of circumstances. My wife was on maternity leave and I had a recent change of job role. I was also purchasing a property which had its own set of issues. Darren was fantastic at navigating the issues we had both with our circumstances and the property. He went above and beyond in dealing with banks and solicitors on our behalf in a process that took over 6 months (no fault of Darrens).

Have you seen the outcome you were hoping for?

I'm completely convinced i would bot have been able to buy my home without Darren there to battle on my behalf as well as educating me through the process. He also made me aware of my insurance needs after recently starting a family, i found this a great benefit as I was clueless in this area.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Darren

potential advantages and disadvantages clearly explained

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

I wanted to ensure I was well provided for in retirement and to help my children when I die, one of them has special needs and it is extremely important to me that I will be in a position to leave him some money. I am planning on getting married after over 20 years single and I needed his advice regarding becoming a couple and the effect this has on my future. He was impartial yet supportive.

How has Darren Bilkey helped you?

Darren has advised me on all my options, given advice in a very clear and helpful way. He explained things I was concerned about clearly and in addition to his usual duties as a financial advisor helped me with his firms technology!

Have you seen the outcome you were hoping for?

Yes. I am more than happy with my investments and mortgage products, I would not be in the stable financial position I am in without his help.

What could they have done better?

Nothing! He’s clearly dedicated to helping his clients above and beyond what is required.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

How has Darren Bilkey helped you since your last review?

Darren has kept me informed of any potential changes to my savings and changes to pension regulations that might affect me.

Darren's reply

Many thanks for taking the time to leave me a review

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Oxfordshire

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

Pension advice

How has Darren Bilkey helped you?

Recommended me a product that would enhance my quality of life in later years.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I honestly can't think of anything he could have done better, customer service was excellent and he was very approachable.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Early retirement - needed help with pension options

How has Darren Bilkey helped you?

Darren helped me to understand my pension options, including AVCs

Have you seen the outcome you were hoping for?

Not yet, but pension funds awaited shortly

What could they have done better?

Nothing really; Darren responded quickly and efficiently to all our queries via email or phone and was happy to visit us at home on several occasions. He was very thorough and patient, happy to explain in layman's terms.

Darren's reply

Hi David - thanks very much for the review! Kind Regards, Darren

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

We have had a financial adviser for a number of years whilst working. Now retired we find on-going advice useful given we both have pensions and a limited pot of investments that we need to make best use of.

How has Darren Bilkey helped you?

Darren brings a fresh look at things and is able to advise in areas that we do not have his level of expertise.

Have you seen the outcome you were hoping for?

To date it has been very helpful. Darren mixes both formal and informal support that suits us.

What could they have done better?

He has instigated a six monthly review, and gives us plenty of notice of visits etc

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

We decided that we needed professional advice to make sure that we were going in the right direction with our retirement funds. We also started to feel out of our depth with self investing.

How has Darren Bilkey helped you?

By reassuring us that we were doing okay and taking away the responsibility for investing by moving us to some different providers.

Have you seen the outcome you were hoping for?

We have in the sense that Darren has given us the reassurance we were hoping for but in so far as the investments are concerned it's too soon.

What could they have done better?

Can't think of anything.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

morgage advise

How has Darren Bilkey helped you?

He helped us find the best morgage possible, sorted our life insurance and helped us woth housing insurance.

Have you seen the outcome you were hoping for?

yeah were very happy with the service he provided.

What could they have done better?

He was very good cant thnk of anything he needs to improve on .

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

Firstly l required a mortgage then Darren sorted out my insurance followed by my pension plans.

How has Darren Bilkey helped you?

He dealt with everything very efficiently and it was great to know that everything was being done with little interruption into my work life.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing! He was very flexible and professional.

Darren's reply

Thanks very much for the review Frances - glad you were pleased with the service!

Review from verified client

September, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

Remortgage and change of insurance to cover my family.

How has Darren Bilkey helped you?

Darren helped find a mortgage and insurance that suited us and our needs.

Have you seen the outcome you were hoping for?

Yes and more. Darren talked about critical illness cover as well as life insurance. This has now given me great peace of mind and I believe the advice given by Darren was sound and from someone with a lot of experience and I felt I could trust his advice.

What could they have done better?

I cannot think of anything at this time.

Darren's reply

Thanks for the review Amy - glad you are happy with everything!

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

We needed to shift some personal debt onto our mortgage to ease monthly outgoings. We changed our life and critical illness policy to a new company which is giving us much better protection for the same money. We have also taken our an income protection policy for my husband who is self employed, so should he be off sick for more than a month we will receive a monthly income.

How has Darren Bilkey helped you?

Darren understood our needs and what we wanted to achieve. He explained the whole process in a way that we clearly could understand. He found the best deal for us and took care of the process the whole way through. The most important thing is we have now fixed our mortgage for 5 years so have piece of mind if the interest rate does increase our monthly mortgage amount will remain the same which helps us to budget our money.

Have you seen the outcome you were hoping for?

Yes very happy with the outcome and the recommendations given by Darren. We were successful in changing our mortgage provider and have better protection and insurance that is tailored to suit our needs.

What could they have done better?

Darren was excellent from start to finish. We would highly recommend him and use him again in the future.

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

Wasn't happy with my provider and cover.

How has Darren Bilkey helped you?

Planned a few scenarios for me and varying policies.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

I don't think Darren could have done any more for me just super organised and so helpful.

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

We review our Financial requirement every few years and we needed to upadate our Life/Home insurance, Plus investing money for myy Mother.

How has Darren Bilkey helped you?

Insurance and Protection, Inheritance Planning and Investment and savings.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

None, the most important aspect is that we trust Darren

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

I wondered if our money could be better invested, and Darren was recommended to us.

How has Darren Bilkey helped you?

Darren explored our needs and made very helpful suggestions regarding the best way forward. I understood what he was going to do with our money and have every confidence that we have made the right decisions with his help.

Have you seen the outcome you were hoping for?

It is too early to say as the funds have only just been invested.

What could they have done better?

Nothing, I am completely satisfied with the service we received

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

Nearing retirement.

How has Darren Bilkey helped you?

Darren collated my various pension funds and has provided advice on how best to use the funds for an early retirement.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Nothing

Review from verified client

February, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

My partner and I were looking for a mortgage to purchase our first property.

How has Darren Bilkey helped you?

Darren explained everything in very simple terms and helped us throughout the process!.

Have you seen the outcome you were hoping for?

We were able to find the product better suited for our circumstances!.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Cornwall

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

To sort out my different pensions.

How has Darren Bilkey helped you?

Amalgamated my pensions into one, reviewed and sorted out Mortgage and Life cover.

Have you seen the outcome you were hoping for?

Definitely and more so, advice and help was more than we hoped for.

What could they have done better?

Nothing, our expectations were exceeded

Review from verified client

December, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Independent pension advice.

How has Darren Bilkey helped you?

Advising me of options and then arranging best option for me.

Have you seen the outcome you were hoping for?

No - have only just started, but have great faith!.

What could they have done better?

I cannot comment on a better service, as the service I received was very good.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Re-mortgaging.

How has Darren Bilkey helped you?

Obtained us a remortgage, consolidated debt.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

August, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Re mortgage.

How has Darren Bilkey helped you?

Friendly, professional, explained things fully and clearly.

Have you seen the outcome you were hoping for?

Yes! We have a great deal with our new mortgage provider!.

What could they have done better?

Seriously couldn't fault Darren.

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Darren

Still in contact for meeting arranged for 3rd August next .

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

It was the right time to sort out our finances.

How has Darren Bilkey helped you?

He explained it all in lay mens terms.

Have you seen the outcome you were hoping for?

We have not long took out the policies etc but we are both confident we will.

What could they have done better?

No not really.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

First time buyer.

How has Darren Bilkey helped you?

Found an appropriate mortgage.

Have you seen the outcome you were hoping for?

Mortgage he found me is fine, just having some delays in purchasing the property I want!.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Recently divorced, wanting to buy a property at some point in the next couple of years, so looking at options. That lead to being advised to obtain life insurance, especially as I have two dependants.

How has Darren Bilkey helped you?

Explained things really clearly regarding all matters, making me feel at ease (& not silly for not knowing stuff!) and was very approachable. I didn't feel like he was trying to persuade me to take his advice purely for his own gain.

Have you seen the outcome you were hoping for?

Yes. Insurance all sorted & will be returning further down the line regarding house purchase.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

To remortgage.

How has Darren Bilkey helped you?

Darren was brilliant, we have struggled in the past to remortgage, but Darren found us the perfect mortgage, with no hassle at all. He kept us well In formed all the way through. I would recommend Darren to anyone, and will use Darren without a doubt in the future.

Have you seen the outcome you were hoping for?

Yes, lower mortgage and loan free.

What could they have done better?

I could not think of anything Darren, could have done any better then he has done.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Needed advice regarding a pension.

How has Darren Bilkey helped you?

Darren looked at my whole financial situation and understood my circumstances completely. He guided me through the re investment of my pension and explained everything thoroughly, clearly and with my best interest in mind.

Have you seen the outcome you were hoping for?

It is too early to tell yet as the reinvestment is in process.

What could they have done better?

I couldn't think of anything that would have been an improvement on the service I received from Darren.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Retirement planning for the future.

How has Darren Bilkey helped you?

Darren was very professional and friendly and explained everything in a very understandable way.

Have you seen the outcome you were hoping for?

Everything that is set up we are more than happy with. we would not have been able to do this on our own.

Review from verified client

April, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

I came to a watershed in my life and with my family was reviewing my financial position. Darren was personally recommended to me- and I have found him to be excellent in every area. My financial situation was not simple!! Darren has quietly and thoroughly gone through my whole financial case in a competent and efficient manner. I cannot praise his work enough! Thank you.

How has Darren Bilkey helped you?

Darren checked through all my finances. He considered my future requirements and how these could be most successfully met and then developed an appropriate plan. He explained it all to me in simple terms and then asked how I felt about his suggestions and whether I had any further ideas or requests. This calm helpful approach meant I felt I was in control at all times.

Have you seen the outcome you were hoping for?

Yes, in that Darren has amalgamated and reviewed everything financial for me; and I await with optimism to see my future finances develop further.

What could they have done better?

Nothing! Darren has been excellent and I really do recommend him to you.

Darren's reply

Thank you very much for the kind words!

Review from verified client

April, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

Changes to my NHS pension to a complex 2 tier system made it very difficult to assess my financial options for retirement age. Also wanted to see if our critical illness cover remained competitive and suitable for our needs.

How has Darren Bilkey helped you?

Darren quickly established what information we needed to gather in order to make sound judgements regarding retirement provision. This included the possibility of making changes to our plans in order to retire earlier than the new retirement age of 67 (up from 60), and gaining an understanding of the benefits and otherwise of the Early retirement reduction buyout plan that is available. He gave us a number of projection examples taking into account significant changes to income anticipated over the coming years. He also searched the market for competitive Critical illness cover with examples of differing terms and contribution levels and how this could effect any possible pay out. He also helped us with setting up Trusts for the policy. He described everything clearly in a relaxed way so that we could ask lots of questions.

Have you seen the outcome you were hoping for?

We have been able to simply move to a different policy with better terms. We have sorted our priorities in terms of retirement provision and will seek further input in the near future to consolidate our decisions. We felt that our situation had been fully understood, our options clearly explained allowing us to make a balanced decision without pressure to take any particular action.

Darren's reply

Thanks very much for reviewing my services - glad you are happy with everything! Darren

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Warwickshire

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

Assistance and advice on life insurance and critical illness cover.

How has Darren Bilkey helped you?

Initial meeting Darren went through the basic schemes on how each cover would suitably protect my family in different scenarios. Darren managed to describe and discuss each option in an easy to understanding language that enabled us to effectively understand all permissible options available to us. It was important that we fully understood what the scheme covered. Darren explained and advised the most suited option whilst taking into context our requirements.

Have you seen the outcome you were hoping for?

My family and I now have a far clearer peace of mind that in the unlikely event, my family will be financially secure should anything untoward happen in the future. The schemes and options provided to us suited our needs and we felt a bespoke tailored option provided by Darren gave us something that online companies could not offer.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

We believed that we were probably paying over the top for insurance.

How has Darren Bilkey helped you?

Complete reassessment of domestic and personal insurance, which saved us substantially. The household insurance was cheaper and the personal insurance was more fitting to our needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

We had full confidence that we were given constructive advice and several choices to make an informed decision.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

I had investments and savings scattered around several banks etc but nobody to talk to about them. I didn't know whether to keep them or change them, or whether they were good or bad.

How has Darren Bilkey helped you?

Darren had a look at my investments and a good chat about what I wanted. He then came up with a plan for me and talked it through. I can always ring him if I'm worried or unsure about something and that gives me peace of mind. Nothing is too much trouble for him and I now understand what is happening with my investments.

Have you seen the outcome you were hoping for?

It's too soon to know if I made the right choice but Darren seems a very capable young man who has the clients interests in mind. He was easy to talk to and listened to what you wanted and explained everything he was going to do. I have confidence in him and hope that he can help me with my finances for years to come.

What could they have done better?

I can't really think of anything Darren could have done better.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Cornwall

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

The main reason for arranging an appointment with a financial adviser was to seek advice and review existing individual saving accounts and investments taken out over a period of time. One of the investments quarantee was coming to an end and there was no longer any advice at the building society where it was all set up Also to look at ways of tackling the inheritance tax liability.

How has Darren Bilkey helped you?

Darren recommended a whole of life policy which would provide a lump sum available to help my two sons Darren recommended a whole of life policy to pay any inheritance bill on my death This plan also included a terminal illness benefit Darren also reviewed my investments and suggested switching some which could possibly yield morefavourable return over the long term He also recommended that I use this and next years isa allowance.

Have you seen the outcome you were hoping for?

Yes most definitely The setting up of a life policy to cover any inheritance tax liability has given complete peace of mind Hopefully the switching of some of my investments could in the long term produce more favourable results.

What could they have done better?

In my opinionDarren could not have done any better. He took his time and explained everything in a clear and straight forward manner

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

We needed to look at arranging a mortgage that would pay all our debts and at a cheaper rate, also we needed to arrange life and critical illness cover that would cover the mortgage.

How has Darren Bilkey helped you?

Darren looked at sorting all of this by looking at what we already had and other options and finding the most economical, that gave us the best end results and that we could afford. Darren did this in a timely and efficient manner.

Have you seen the outcome you were hoping for?

Absolutely. We are now paying off all of our debts and have the correct amount of life insurance and critical cover and we are paying less each month than before.

What could they have done better?

Honestly nothing that I can think of, it was all explained really well, he has followed up on everything and organised each step really well.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

Change mortgage.

How has Darren Bilkey helped you?

Sort out better mortgage for our particular needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing better !

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

Our fixed rate mortgage was coming up to finishing,so wanted to find out if there was another option for us.

How has Darren Bilkey helped you?

By sourcing another provider for us.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

We felt our existing policies needed updating.

How has Darren Bilkey helped you?

He listened to what we felt we needed and could afford and found out lots of information to cover this. He fully explained all aspects of what was on offer and advised and helped us choose policies that were tailored to our needs. Darren was very understanding of our individual needs and explored many options to suit us as a couple. This process can be quite intimidating with all the personal questions asked around life policies but he made us both feel at ease.

Have you seen the outcome you were hoping for?

We are both very pleased with what Darren helped us choose. We feel our future is secure now. This is something we would not have attempted to do on our own as we struggle with all the small print that anything in this area has.

What could they have done better?

For us we dont feel things could have gone better. We are happy with our result.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

recent change in personal circumstances.

How has Darren Bilkey helped you?

Above and beyond financial advice, went to him originally for life insurance, but was advised on mortgage and sequentially got a very good outcome on new mortgage deal to consolidate historical personal debt issues. Have since now dealt with life insurance and excellent advise and personal contact offered. On going excellent contact at a time to suit me and excellent approach to individual circumstances.

Have you seen the outcome you were hoping for?

Yes...and more. Went for life insurance advice, got an amazing mortgage outcome along with life insurance cover secured. Will be going back in future for further advice.

What could they have done better?

Nothing, above and beyond the purpose of my initial contact

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Cornwall

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

To renew life assurance.

How has Darren Bilkey helped you?

He was already known to me from his previous position and we have been impressed with his efforts in seeking the best quotes for us regarding life assurance & also remortgaging.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing really as our circumstances were challenging.