Reviewed for

Insurance and Protection ( 22 )

Mortgages ( 4 )

Pensions ( 42 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 13 )

Auto Enrolment ( 1 )

Investments and Savings ( 40 )

Pension Transfers - Non Specialist ( 11 )

Inheritance Planning ( 23 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 4 )

Financial Planning ( 11 )

Financial Mentoring ( 2 )

Reviewers' assets

£500k+ ( 12 )

£200k - £500k ( 7 )

£100k - £200k ( 4 )

Up to £50k ( 5 )

£50k - 100k ( 4 )

Client reviews

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Henry

I had the pleasure of meeting Henry earlier in the year to discuss my financial planning requirements. I had various pensions and savings that had accumulated over the years with no real plan or strategy - I was looking for help on consolidating and ensuring they were well invested for the future.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lincolnshire

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

I had some funds available from share options that I wanted to invest the long-term and gain better returns available from bank savings

How has Henry Metcalf helped you?

Advised me on best option for investment and management of the fund

Have you seen the outcome you were hoping for?

Not yet, but mainly due to my risk profile and poor market performances in recent years. I am reviewing this with Henry along with current pension fund

What could they have done better?

Perhaps with hindsight, chosen a different risk profile but this was my choice

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Leicestershire

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

To gain a better understanding of how financial advice can support me and my family. Now and in the future.

How has Henry Metcalf helped you?

Listening and supporting me through the complexities of financial advice.

Have you seen the outcome you were hoping for?

I expect to.

What could they have done better?

N/A

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I wanted some expert help with my finances.

How has Henry Metcalf helped you?

He is a very knowledgeable and easy to talk to.

Have you seen the outcome you were hoping for?

Yes. I have followed his good advice and I am very happy with the outcome.

What could they have done better?

I think in general they have done very well.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We needed a fresh perspective with our financial planning and wanted comfort that our future was secure

How has Henry Metcalf helped you?

Henry took the time to get to know us in our own home which helped to support the initial period when you are getting to know each other. This relationship building is vital as we must trust Henry and he should understand our attitude towards money. Inheritance tax planning is complicated and we now have more ideas about how to deal with this.

Have you seen the outcome you were hoping for?

We have been delighted. Henry talked us through the various options and made sure that we both understood the impacts of the planning. We know that we will have changing needs to the future and feel better prepared to be able to deal with those.

What could they have done better?

Nothing - we have been very impressed with the whole service provided

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Henry

We engaged with Henry for a review of our financial situation.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

I was with another IFA with whom I had had little contract contact for years and barely discernible service. When Golden Oak started up, I was reaching retirement and needed advice on a wide range of services.

How has Henry Metcalf helped you?

Henry has been a terrific advisor – on inheritance planning, investment and pensions in particular. He is a very knowledgeable fellow and has kept in good contact, bringing me up-to-date with any tax changes that affect me.

Have you seen the outcome you were hoping for?

I certainly have. Not only in terms of the growth of investments and pensions but also in limiting damage when there has been an international downturn on the markets.

What could they have done better?

Nothing I can think of –

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Henry

Henry responded to my contact request the same day and offered to visit me at home to discuss my needs. At our subsequent meeting, he took a lot of time to listen to and understand my reason for contacting him, illustrated the general approach he uses for management of clients' money, (various 'buckets' money can be put into and moved between), and showed me a worked example (anonymised of course). There was no hard sell / company pitch - only towards the end of our conversation did Henry tell me about Golden Oak and explain how they work. On a personal front, Henry is a very amiable guy and I felt I could not only work well with him but would also enjoy doing so. As a retired account manager, I know the importance and value of personal relationships in business. Henry does too.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with Henry

He was friendly and helpful. He explained his way of working, etc. very well

First impression from a user who is not yet a client

March, 2023

Overall

Please provide a brief comment about your experience with Henry

Henry's presentation of retirement funds investment strategies was exceptional. The clearest and most concise summary I have ever had from a financial professional. Excellent.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement

How has Henry Metcalf helped you?

Restructured finances to be risk adverse and tax efficient.

Have you seen the outcome you were hoping for?

Yes - all objectives were met.

What could they have done better?

Excellent customer service - I do not see how it could be improved.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lincolnshire

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

I was approaching my retirement and wanted some advice various pensions and investments that I have accrued. I also wanted to get an idea of my options for inheritance tax planning.

How has Henry Metcalf helped you?

Henry reviewed my whole financial situation, which gave me confidence as he didn't just focus solely on one area. He provided me with a clear report containing recommendations and advice that was well presented. This has massively helped me understand my pensions and investments, and also what areas of financial planning I need to focus on in order to meet my long-term goals.

Have you seen the outcome you were hoping for?

Yes I am already seeing the benefits of using Henry as my financial adviser, and I feel comfortable moving forward into my retirement with his expertise and knowledge.

What could they have done better?

Nothing

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Cambridgeshire

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

My husband retiring

How has Henry Metcalf helped you?

Sort out all his pension pots and assets and make a plan for our retirement...

Have you seen the outcome you were hoping for?

Yes very pleased

What could they have done better?

Nothing

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Henry

Professional first contact with his colleague.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Henry

Henry made me feel very comfortable explaining all options available. I would highly recommend him.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Henry

Henry provided a fantastic service advising on my pension transfers and investments. Wouldn’t hesitate to recommend Henry due to his wealth of knowledge and professionalism.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Henry

A very professional service from start to finish from Henry and his team.

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Henry

Henry's highly knowledgeable, personable and guided us through the options carefully and at our pace. Nothing was too much bother and follow-up questions were answered quickly. Delighted with our experience to-date and looking forward to a long and meaningful professional relationship.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Warwickshire

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

I’m approaching retirement and needed advice on my pension and investments. Also, where I stand with Inheritance planning.

How has Henry Metcalf helped you?

Henry discussed my financial planning, how best to make my money work for me and to provide for me in the future plus lowering the inheritance tax bill my children will find themselves with.

Have you seen the outcome you were hoping for?

It is early days plus due to the government everything is in turmoil at the moment. Hopefully, when things settle down investments will start to improve.

What could they have done better?

I couldn’t have asked for anything more. Excellent service

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I needed some expert financial advice as my setup was too complex for some advisors.

How has Henry Metcalf helped you?

Henry has helped in many ways. First of all, he is very good at listening and understanding my needs. He knows his industry extremely well and what I really like about Henry and his team is that they make the recommendations and leave it with me till I am ready. There is never any pressure to make a decision and he is always available to help.

Have you seen the outcome you were hoping for?

Yes, absolutely. I would not do without Henry's input in my financial decisions.

What could they have done better?

There is always room for improvement with everyone but I cannot think of anything Henry could do differently right now.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lincolnshire

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

I was unhappy with my current financial adviser; I had been with them for many years and really had no contact and did not know what I was paying for.

How has Henry Metcalf helped you?

He has helped me understand what investments I have and also what areas of financially planning I need to focus on to meet my long-term goals.

Have you seen the outcome you were hoping for?

Yes, most definitely, I feel confident that I have picked the right financial adviser firm and adviser, I have had more contact with them in a short space of time compared to my previous adviser who I was with for over 5 years.

What could they have done better?

Nothing

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Lincolnshire

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

We wanted to have our finances in one place rather than several, with one person we trusted in charge of investing them for us, rather than many separate and unlinked funds.

How has Henry Metcalf helped you?

He looked into our financial situation, suggested a plan, put it into action and gives us annual reviews in face-to-face meetings which are clear and helpful.

Have you seen the outcome you were hoping for?

Yes, our funds are increasing year by year so far, although of course there are always risks, and Henry is confident that the investments are being made in relatively secure and successful areas. This is communicated to us on a regular basis, and any questions we have are answered quickly and clearly by email or phone.

What could they have done better?

Since we have never had the experience of having our funds invested all together in this way before, it is not possible to compare, and we have nothing at this moment which we could say required improvement.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Having inherited some money which i believed may have been surplus to my own requirements, i wanted to make sure that i efficiently left a legacy for my children.

How has Henry Metcalf helped you?

He visited me at home, took a very comprehensive account of my requirements and presented a solution that has proved to be everything he told me it would be.

Have you seen the outcome you were hoping for?

Yes, there have been no suprises and i feel confident that both my own requirements and that of my children have been well taken care of.

What could they have done better?

There is nothing that springs to mind.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Henry

We had an initial phone call, followed by a more in depth Zoom call where we learned more about what Golden Oak Wealth Management do, and how they can help us secure our retirements.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We wanted to get proper, informed advice, especially as we were coming up to retirement.

How has Henry Metcalf helped you?

Henry is happy to come to see us in person, and has an extensive knowledge of how best to help us with our investments. He has given us the informed advice we were seeking.

Have you seen the outcome you were hoping for?

Yes, Henry's strategies for investment have proved very sound during the recent turmoils caused by Brexit and Covid.

What could they have done better?

We do not have any problems with their service.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Henry

Golden Oak were recommended by a friend as I wanted to review my retirement plans. They have looked after us very well, provided comprehensive advice and have overachieved our expectations.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Henry

Golden Oak have been very clear in both their written and verbal communication with me. Responsive and thorough, their assessments have met tight timelines and been in far greater detail than i was expecting. Excellent first impression.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Henry

Henry always has time to explain and expand on his recommendations which to date have been excellent. He is professional and knowledgeable.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Lincolnshire

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

I wasn't sure I was getting the best advice from my previous financial advisor.

How has Henry Metcalf helped you?

Henry explained everything in a way that I could understand easily. His wealth of knowledge coupled with this has made me feel very confident and secure going forwards. It wasn't long before I started to see a far more productive portfolio.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Absolutely nothing.

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Henry

Very pleasant and helpful - Daniel Paine/Payne - Henry's colleague

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Henry

The experience has been excellent. Every aspect of the experience has been faultless. Henry and his team are extremely knowledgeable, professional and thorough and every interaction is noted for timeliness and effeciency. I have 100% confidence in the advice that Henry provides and have no hesitation recommending him to others.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

In the main, existing pensions were in need of update and required advise regarding existing insurance and financial status.

How has Henry Metcalf helped you?

Henry assisted with overview of current financial situation and advise on future planning and protections. Advise was very well presented and understandable which gave the opportunity for myself to make some solid decisions financially to safeguard my families future financial care.

Have you seen the outcome you were hoping for?

We are already seeing the benefits from decisions made with not only peace of mind knowing our investments and protections are in a solid state but also from the outset seeing the gains our investments are making.

What could they have done better?

Nothing as far as i am concerned.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Rutland

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

To ensure that my finances were in order, in the best place, and I was preparing for the future wisely.

How has Henry Metcalf helped you?

Henry is extremely knowledgeable in his field, and has the ability to explain complicated topics in a way that is easy to understand. Henry has been able to advise on our existing investments savings and pensions with a new consolidated approach, so that for the first time, we can say we have a long term financial plan for ourselves and our loved ones.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Rutland

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

Golden Oak were recommended to me by a friend who uses their services after i told her i was not happy with my existing financial adviser.

How has Henry Metcalf helped you?

He looked at my whole situation, put forward suggestions on where we could improve and used cash flow modelling to help illustrate how our retirements would look.

Have you seen the outcome you were hoping for?

Yes. We have are much happier, have had great investment growth and made gifts to our children to avoid inheritance tax.

What could they have done better?

I cannot think of anything. It took a little longer than expected to get information from my pension provider (but this was not their fault), but they kept me updated regularly and reacted swiftly once they had all that they needed.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in London

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

I didn't have enough oversight with my previous financial adviser and I was looking for a more personalised investing approach.

How has Henry Metcalf helped you?

He helped me create a portfolio which matched my interests as well as investing appetite. Henry was also incredibly supportive in helping me make the most of my investments especially with making the most of my opportunities with ISA's

Have you seen the outcome you were hoping for?

Absolutely, my portfolio has never been more productive and I have much more insight into the investing strategy than with my previous FA.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lincolnshire

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

Advice and action on future financial planning of re-investment of some pension pots.

How has Henry Metcalf helped you?

Henry has listened and understood my situation and future financial requirements, in great detail. Communication between us has been very good and he has always responded quickly and professionally during the process. I feel Henry has given solid, unbiassed advice and helped immensely to review and action my future investments according to my general wishes and his deep understanding of financial markets and investment strategies . I have great confidence and trust in Henry and look forward to his ongoing management and support.

Have you seen the outcome you were hoping for?

Yes. In terms of process we have achieved great progress in re-structuring investments and for personal financial planning. The investment strategy is sound and I am comfortable with the level of risk verses returns that I have chosen for my new investment portfolio. I know that our plan far outstrips my previous, stagnant planning before engaging with Henry. It is tailor made to my future needs with professional guidance that I have received.

What could they have done better?

I have no criticism. Due to Covid 19 the process has been slow, for information requests and replies to and from my previous investment companies and certainly not due to the timely and regular communication that I have had with Henry and his company.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Rutland

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

We sold our business and as such needed independent financial advice to ensure we were investing our nest egg wisely.

How has Henry Metcalf helped you?

Henry was extremely professional and has provided us with excellent advice. He took his time asking relevant questions to help him achieve a better understanding of our current situation, financial needs and of course what we would like to achieve for the future. He is genuine, relatable and took time to understand our personal and family aspirations. I would definitely recommend Henry to others.

Have you seen the outcome you were hoping for?

Not yet as we are in the early stages but I am confident that we will.

What could they have done better?

Nothing.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Rutland

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

Recently sold a business and needed advice on where and how to invest the proceeds

How has Henry Metcalf helped you?

He was excellent and explained things in basic terms so we could understand and has helped us invest our money and provided a report showing us our wealth portfolio for the future

Have you seen the outcome you were hoping for?

Not yet; it is early days but we have no reason to doubt Henry.

What could they have done better?

Nothing. Everything has been excellent and very professional and clear.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Berkshire

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

To manage my investments & help with Inheritance Planning & Life Insurance.

How has Henry Metcalf helped you?

He took over my portfolio & discussed fully with me what my aims & requirements were, in great detail.

Have you seen the outcome you were hoping for?

Yes, the portfolio has performed better under Henry than under two previous investment houses.

What could they have done better?

Nothing, my my view, his service & advice has been faultless.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lincolnshire

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

I inherited some money and needed investment advice.

How has Henry Metcalf helped you?

Henry sat down with me over multiple meetings and looked at my finances in detail. He then presented recommendations as to how I could invest my money in a tax-efficient manner.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I wanted to get my retirement plans in order.

How has Henry Metcalf helped you?

He explained the ins and outs of how I should structure my retirement to make it as tax-efficient as possible, and recommended investments that were at a risk level that I'm happy with. He also used cashflow examples to help show when I could retire and how much I would need to be comfortable.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, he was very comprehensive and thorough.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Essex

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

Retirement

How has Henry Metcalf helped you?

Excellent advise and planning. Very aware of Covid-19 impact on the financial market and provided expert reassurance on our investments. Henry makes the financial world easier for us to understand.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Essex

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

Ongoing money management, and for savings and pensions advice in particular. I sought out Henry after I became dissatisfied with the rather passive and generic service I was receiving from my (now former) IFA.

How has Henry Metcalf helped you?

Provided a broad review of my financial circumstances, and advised on investment strategies and products to meet my personal money objectives and appetite for risk. Transferred my private pension a new fund and set up internet-based monitoring. Reviewed drawdown options.

Have you seen the outcome you were hoping for?

Yes, very much so. I now feel very comfortable with the quality of advice I'm receiving and am confident that I'm taking the right decisions with my money.

What could they have done better?

Can't find fault. Henry's service is tailored to my exact requirements, and is low hassle, friendly and responsive. Henry also demonstrates great expertise in this field and he is passionate about his work.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

My previous one retired

How has Henry Metcalf helped you?

He helped by listening carefully, then followed it with practical advice and lots of support

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Henry

I was impressed by Henry's understanding of my circumstances and aims for the future, and feel confident that he will manage my finances well in future.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Rutland

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

I had accumulated a range of policies, insurance and pensions and needed help to navigate my way through them.

How has Henry Metcalf helped you?

He made everything very simple and organised everything. Henry explained they processes to us, discussed our options and made clear and good recommendations, which we proceeded with without hesitation.

Have you seen the outcome you were hoping for?

Absolutely. We’re now much more in control of our financial planning and our future.

What could they have done better?

I couldn’t have asked for more. Henry was perfect and we continue to work together and hopefully will do for a long time.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I was not sure that i was doing the right thing with my pension / ISA investments and wanted to get some advice on the best way forward.

How has Henry Metcalf helped you?

He provided me with clarity over my existing plans, looked at my objectives and put a plan together that we both felt would achieve them.

Have you seen the outcome you were hoping for?

Yes, my investments are doing far better and i feel completely confident that my tailor made plan is going to achieve what i need it to do. There were many overlapping factors that Henry identified and patiently took me through which made me feel that this was a well thought through and skilfully crafted plan rather than an off the shelf solution.

What could they have done better?

Nothing. The advice was very well constructed and he delivered it with skill and patience cutting through the jargon.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

My wife and I had accumulated a variety of pensions, protection plans and mortgage insurance and being in our mid-40s are starting to need to make sure our finances are in sound shape as we'll have things like childrens' university costs to cover in a handful of years. We did have a previous financial advisor but he regularly confused us with technical jargon and didn't really take time to help us understand the advice he was giving us. We received a glowing recommendation for Henry from an ex-colleague and decided to use his services instead.

How has Henry Metcalf helped you?

Before giving us any advice Henry took the time to really understand our situation, including helping us to gain clarity about what we wanted to achieve with our finances. He's then worked hard to get our finances in much better order. He's consolidated our pensions so that we can maximise their value, arranged some additional protection for us and overall given us a lot of advice in a super-clear and well-reasoned manner. It's always a pleasure chatting with Henry when he comes round for a review.

Have you seen the outcome you were hoping for?

Yes, definitely. Our finances are in better order, and we have a much clearer understanding of our situation and foundation for making sound financial decisions over the coming years as well as an advisor who we trust and who understands us and can help us navigate those decisions.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Looked to manage my own pension moving from employed to self-employed.

How has Henry Metcalf helped you?

Built confidence, identified appropriate products, recommended rebalancing portfolio, kept updated on a regular basis.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Relationship separation

How has Henry Metcalf helped you?

Finding a policy for income protection, reviewing my pension situation and balancing liquid assets with my mortgage

Have you seen the outcome you were hoping for?

Yes completely

What could they have done better?

I really cant think how Henry could have been more helpful. He is always responsive if I need to discuss anything and is sensitive to my work schedule for meetings.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Lincolnshire

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

My husband and I were looking to invest some capital and review our pensions.

How has Henry Metcalf helped you?

Henry gave us some great advice with regards to our investments that has already proven sound. He also assisted me to improve my pension. Henry’s advice was thorough and we are now looking into insurance advice he gave us. This has allowed us to seriously consider and put in place protection for each other and our adult children’s financial future in the event of illness or death.

Have you seen the outcome you were hoping for?

We have been really delighted with Henry’s approachable and extremely likeable manner. We felt very confident in his advice and this has proven well-founded. He really took on board our needs and offered further advice in areas we had not considered. His communication and response times have been very good. I would heartily recommend his financial services.

What could they have done better?

Henry’s service was excellent and so I’m struggling to find areas for improvement.

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Change of job and therefore had an old company pension. I needed advice on what to do with it, e.g. could I transfer it into my new company pension

How has Henry Metcalf helped you?

Gave me advice on my options and pointed out I was vulnerable through lack of insurance and protection. I.e. as sole income provider for my household (with wife and three young children), if I died / suffered injury or illness meaning I could no longer work, my family would not have much to carry on paying the mortgage etc etc

Have you seen the outcome you were hoping for?

Yes, pension has been transferred to a SIPP which Henry is managing and very comfortable about that. Also, now have peace of mind that my family will be looked after financially if I die / suffer injury or illness meaning I can no longer work.

What could they have done better?

I've given Henry 5 stars, so hard to think what he could've done better. Perhaps we chatted about non-financial things a bit too much! But that was part of what made Henry quite approachable.

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with Henry

Very helpful even if the services he offered weren't right for me.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I had been through a divorce and needed to take control of my investments and retirement

How has Henry Metcalf helped you?

He did a comprehensive review of my investments and wrote a considerable report that confirmed his recommendations. From this he moved a my ISA’s into new funds and my Pension remained in situ

Have you seen the outcome you were hoping for?

I am now feeling back in control of my retirement and it is nice to know that I have done some things right over the

What could they have done better?

Things did take a little longer than expected, however I think this was down to pension providers being slow in sending information.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I was not convinced I was getting the best advice or service from my old financial advisor. There were a couple of issues that led me to seek a second opinion with regards to my investments and how my estate would be left when I die.

How has Henry Metcalf helped you?

After a thorough examination of my circumstances Henry made changes to my investments, which areas I take my income from and we have also done some inheritance planning.

Have you seen the outcome you were hoping for?

I am now very content that I am doing things in the right order for both myself and the next generation. The investments are performing well and I feel like I’m in safe hands.

What could they have done better?

Nothing springs to mind. They were all very friendly, helpful and professional.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I felt that I should have a review of my current protection policies as there had been a recent change in my personal circumstances.

How has Henry Metcalf helped you?

Henry carried out a full review of my protection needs and fully explained all options. He has arranged some replacement cover to fit in with my circumstances. This also includes some additional protection which I had not thought about previously.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not sure.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Northamptonshire

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

As I am now retired I wanted advice on planning my pension and future investments.

How has Henry Metcalf helped you?

He listened to my circumstances and requirements - he seems to have a good understanding of inheritance tax planning and has been able to set up a good plan for my future.

Have you seen the outcome you were hoping for?

It is early days but I feel confident that he has given me good advice.

What could they have done better?

Not sure really. He has kept me well informed.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Long overdue assessment of personal finance and investment plans. Need to review and enhance protection and cover for family in the event of illness and death along with personal pension review.

How has Henry Metcalf helped you?

Gave very good impartial advice, helped understand the market and available options, provided a superb and very detailed overview of what we could do and also helped review opportunities based on fair assessment of current position. Kept in touch throughout, chased me when appropriate and was available to answer questions taking the time to listen and understand concerns.

Have you seen the outcome you were hoping for?

Yes. Comfortable that the decisions we made were fully understood and have re-instated the required ongoing sentiment, investments are performing as expected and communication has been clear.

What could they have done better?

Not a huge amount different overall service was very well considered and thoughtful with quick action when required and effective management of client.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Leicestershire

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

I needed some professional advice on my personal finances.

How has Henry Metcalf helped you?

Henry was knowledgeable, reassuring and very supportive. I feel confident in the advice I was provided and delighted with the service.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

December, 2018

Overall

Advice

Value

Service

Based in Rutland

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

I had a complex mixture of occupation and SIPP pension schemes, investments and a property portfolio–I needed advice on inheritance tax planning and the collation of the various pension schemes

How has Henry Metcalf helped you?

Having investigated his history, I discovered that Henry is impressively qualified academically. He has a wide knowledge of the subjects with which I was concerned. He has made good and regular contact with me over the years and has been prepared to deal with my problems quickly and efficiently, often at short notice.He engages extremely well on a personal level and has given me good tax saving advice.

Have you seen the outcome you were hoping for?

Yes. I feel I have make good plans for the future, I have put in place good tax saving strategies and I'm confident that if anything should happen to me, it will be straightforward for my wife to consult Henry and have at her fingertips all my financial affairs.

What could they have done better?

There is genuinely nothing I can think of about which I would wish to criticise Henry nor that I feel he could have done better in the engagement I have had had with him over the years.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Hertfordshire

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

House move

How has Henry Metcalf helped you?

Henry took time to explain the various options available to me in a clear concise way. Henry was extremely helpful and clearly is a true professional in his field.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

First impression from a user who is not yet a client

November, 2018

Overall

Please provide a brief comment about your experience with Henry

Very helpful indeed

Henry's reply

Dear Mr B, Thank you for your "first Impression", it is kind of you to take the time to leave it. If we can be of any help in the future then please do let me know, and we will be only too happy to assist. Kind regards, Golden Oak Wealth Management

Review from verified client

September, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We have recently purchased a property and have 2 children so wanted an insurance solution that would protect them in the event something should happen to either myself, my husband or both of us. My husband also needed advice regarding his pension, of which he had several policies.

How has Henry Metcalf helped you?

Henry offered us some excellent advise with something i knew very little about. He gave us a solution that not only protected me, my husband and both children but he covered all situations and found us a great product. He covered every little details and pointed out a few that we had not considered.

Have you seen the outcome you were hoping for?

The product Henry arranged for us is just what we needed and more. I feel very assured that all situations are covered but for me more importantly, my children are protected. The policy we now have is far better than what we could have achieved ourselves.

What could they have done better?

Nothing. He was quick, informative throughout the process and we have a product we are extremely happy with. We will continue to use Henry's services.

Review from verified client

May, 2018

Overall

Advice

Service

Value

Based in Oxfordshire

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

Poor performance fund, misleading information not consistent with my needs.

How has Henry Metcalf helped you?

Put me on a good track where fund performance already way better than yearly previous performance, in first 3 months.

Have you seen the outcome you were hoping for?

Yes if consistency continues.

What could they have done better?

Nothinf comes to mind.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Reminder that the one of my pensions was reaching the 60 birthday end point.

How has Henry Metcalf helped you?

To find out what the status was with all my pension pots. Including ones that were in limbo and finding different bonuses if the pensions were moved.

Have you seen the outcome you were hoping for?

My pension pots are now accounted for and amalgamated going forward, and I can continue to contribute until I need to draw down from them.

What could they have done better?

I can't see how Henry could improve! He's very diligent, and kept me informed through out our meetings.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Lincolnshire

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

Long overdue review of pension and existing investments.

How has Henry Metcalf helped you?

Henry was very personable and took the time to understand my situation and needs. Henry had great knowledge and was able to discuss and advise me on the range of options available. Once the decisions were made Henry facilitated the transfer process with competence.

Have you seen the outcome you were hoping for?

Yes, I now have my pensions consolidated in a SIPP and my investments are performing better than before.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Lincolnshire

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

I was in need of advice following an inheritance and was recommended to speak to Mr Metcalf.

How has Henry Metcalf helped you?

After some frank and sincere advice Mr Metcalf was able to advise me as to the best route to take regarding the investment of my capital.

Have you seen the outcome you were hoping for?

I have been very pleased with the overall service Mr Metcalf provided and have been encouraged to see his professional advice regarding my investment come to fruition.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We were concerned that if something happened to myself or my partner that our children were not protected. To make sure we had adequate cover for myself and family.

How has Henry Metcalf helped you?

He look at my needs and went through all the options available to me. He explained the options in a clear way that I could understand and didn't try to recommend me anything I didn't need. I really appreciated his honesty.

Have you seen the outcome you were hoping for?

Yes, he was really helpful and gave me some excellent advice. We feel we are now covered for all eventualities in the future.

What could they have done better?

None

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Bedfordshire

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

I was unhappy with the advice I was receiving.

How has Henry Metcalf helped you?

Henry explained clearly and offered what I consider to be a solution suited to my objectives.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

I have no criticisms so far, he leaves me alone when I am too busy but has always got back to me when I have asked for help.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Northamptonshire

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

I needed help with retirement investment and pension planning.

How has Henry Metcalf helped you?

Henry is very knowledgable. He saved me money on service and management charges while at the same time explaining clearly and intelligibly the tax and investment technicalities. His manner is excellent, he was very patient with me and other members of my family in making sure that we understood the rules, the law and the reasons for the advice he gave us ..above all, it has worked.

Have you seen the outcome you were hoping for?

I now feel I am safely invested with the appropriate levels of investment risk and am able to plan my future investment strategy with confidence, particularly the pension and inheritance matters.

What could they have done better?

Nothing that I can think of

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Leicestershire

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

When my husband died in 1987, I received a large sum from his life insurance. I commissioned financial advice from a Leicester firm and when my IFA retired, Henry took over.

How has Henry Metcalf helped you?

He reviewed my portfolio with me, consulted on what I wanted to do and gave advice accordingly to maximise my investment but without enormous risk. He has maintained a regular review since that and has given me access to a website so I could see the progress of my investments.

Have you seen the outcome you were hoping for?

Yes, a growth in the value of my portfolio despite a very low income rate generally.

What could they have done better?

Can't think of anything

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Retirement coming up and pay out from Divorce proceedings.

How has Henry Metcalf helped you?

He guided me, and keeps me constantly updated. Always happy to talk to me.

Have you seen the outcome you were hoping for?

Yes!.

What could they have done better?

No, Henry is first rate in all areas.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I needed some advice on my retirement planning.

How has Henry Metcalf helped you?

He clearly explained all the options available in a way that was easy for me to understand and put in place a pensions plan for me.

Have you seen the outcome you were hoping for?

Yes. The pension was put in place promptly and the investment performance has been superb.

What could they have done better?

None that I can think of. He explained everything in detail and presented me with a range of options with a clear recommendation. I'm not sure what else he could have done.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I was being overcharged and under appreciated by my previous advisor, so looked for a new IFA.

How has Henry Metcalf helped you?

He delivered tailored advice promptly, inexpensively and affordably.

Have you seen the outcome you were hoping for?

Yes, very much so.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Leicestershire

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

I had a pension that I wanted to transfer and no idea how to go about it.

How has Henry Metcalf helped you?

He advised me of the options available to me and provided me immediately with a link to the transfer form. He always made himself available for a phonecall if I had any questions.

Have you seen the outcome you were hoping for?

Yes, it has been transferred and the money is now in a more financially rewarding place for me.

What could they have done better?

Nothing I can think of! Henry was very approachable and described exactly what I had to do in very simple to understand terms.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Lincolnshire

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

Having children gave more focus to our finances. Ensuring we had the best insurance and getting our pensions to work harder were very important to us.

How has Henry Metcalf helped you?

He visited and worked step by step with setting up new house and critical illness cover alongside moving pensions into much better performing plans.

Have you seen the outcome you were hoping for?

Very much so. The pensions are working significantly harder for us.

What could they have done better?

It's hard to offer anything here.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Oxfordshire

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

The need provide for my family in case of illness/injury/death due to a new addition to the family. The requirement to make my money work harder, i.e. via sound investments and to get the best advice for my pension investments.

How has Henry Metcalf helped you?

He completely understood my financial situation and what I was looking for and then offered several options with varying costs, investment profiles and levels of cover for me to choose from. He outlined these via clear spreadsheets so I could calculate my expenditure and the projected growth.

Have you seen the outcome you were hoping for?

I am very happy with my new level of insurance Henry has provided and I've already seen some growth in my investment portfolio.

What could they have done better?

Henry was very attentive, visited me at my home and made sure my partner was included in all discussions. A charming and delightful fellow offering tailored and transparent solutions.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Northamptonshire

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

Retirement and an inheritance.

How has Henry Metcalf helped you?

Advice on what direction to take our investments and the risk assessment of various scenarios.

Have you seen the outcome you were hoping for?

Satisfactory outcome in present market conditions.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I needed some help and advice in relation to my pension, savings, and other investment ideas.

How has Henry Metcalf helped you?

Henry helped me with every financial area I needed advice for. I'd already heard good things about Henry as a Financial Advisor and thankfully he lived up to expectations... he explained everything in a way that I could understand and feel comfortable with. I feel much more secure now in relation to my pension, savings, and other financial areas he helped me with. He also never tried to persuade me or 'sell' me into areas I wasn't comfortable with or interested in.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

I genuinely couldn't think of how Henry could have been better. A great guy with great financial advice.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Merseyside

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

I needed guidance as to how to invest my money and set up a pension.

How has Henry Metcalf helped you?

He helped me secure and set up a suitable investment plan and pension scheme. He was available whenever I needed him, no matter what the time. He helped me understand and grasp financial concepts that previously were alien to me, which was invaluable to a first time invester / saver.

Have you seen the outcome you were hoping for?

Undoubtedly.

What could they have done better?

Very little else. Henry was superb in helping me explore appropriate options and choosing the best one for me.