Reviewed for
Insurance and Protection ( 8 )
Mortgages ( 1 )
Pensions ( 34 )
Retirement income (annuities, drawdown) ( 7 )
Investments and Savings ( 20 )
Pension Transfers - Non Specialist ( 10 )
Inheritance Planning ( 1 )
Pension Transfers - Specialist ( 3 )
Financial Planning ( 10 )
Financial Mentoring ( 1 )
Reviewers' assets
£500k+ ( 1 )
£200k - £500k ( 3 )
£100k - £200k ( 1 )
£50k - 100k ( 9 )
Up to £50k ( 9 )
Client reviews
Review from verified client
August, 2024
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Retirement
How has Tom Horner helped you?
Advice on investments and savings
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing, all advice proved accurate.
Review from verified client
August, 2024
Overall
Advice
Service
Value
Based in Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Retirement pension
How has Tom Horner helped you?
Explanation of different types of investment and risks
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Tom's reply
Thank for you the great review, Judith. Much appreciated! Really pleased I've been able to help!!
Review from verified client
July, 2024
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Drawing a pension
How has Tom Horner helped you?
Excellent advice
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Tom's reply
Thank you for the review, Chris. I'm happy that the drawdown plan we've put in place is working - success by design not accident!
Repeat review from verified client
July, 2024
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Tom helped me with personal issues and introduced me to a solicitor.
Tom's reply
Thank you for the feedback, Anne. Much appreciated as always!
Review from verified client
June, 2024
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
I had several small pensions that I was unsure what to do with them when they matured
How has Tom Horner helped you?
Tom helped me to understand the need to consolidate them into one pot
Have you seen the outcome you were hoping for?
Yes my investment has increased and I understand how to draw from the pension pot in a tax efficient way
What could they have done better?
Tom has more than managed my expectations therefore I do not think at this stage he could have done any better
Tom's reply
Thank you for the great review Michael! Looking forward to meeting back up later on in the year.
First impression from a user who is not yet a client
June, 2024
Overall
Please provide a brief comment about your experience with Tom
First class service. Answered all of my queries to my satisfaction.
Tom's reply
Really appreciate that, Anthony. I'm pleased I was able to help answer your financial questions and hope we get the opportunity to work together in future!
Review from verified client
June, 2024
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
We needed professional advice and guidance regarding existing and future savings.
How has Tom Horner helped you?
Tom has really helped us to understand our options and to make recommendations that will be of financial benefit to us
Have you seen the outcome you were hoping for?
Yes. So far.
What could they have done better?
Nothing. Tom is available if we need him.
Tom's reply
Thank you so much for the great feedback Julie. I'm really enjoying working with you and Jamie. Fingers crossed we keep making great progress!!
Review from verified client
June, 2024
Overall
Advice
Service
Value
Based in Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Always had a financial advisor
How has Tom Horner helped you?
Wanted review of our savings.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Tom's reply
Really appreciate the great feedback, Robi. It's been great getting to know you and Sarmistha. Looking forward to catching up again soon!
Repeat review from verified client
June, 2024
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Tom took the time to listen and ensure that he understood the financial strategy I wished to pursue and the reasons for doing so, He then offered a range of products and services to fit in with my financial planning aims which I consider to be ideal for my circumstances.
Tom's reply
Peter - thanks for taking the time to leave such a good review - I really appreciate it! Looking forward to catching up soon and seeing the progress we've made!!
Repeat review from verified client
May, 2024
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Any questions I have raised Tom has answered quickly and in terms I have understood
Repeat review from verified client
May, 2024
Overall
Advice
Value
Service
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Excellent summary of how my investments have performed over the past year and some idea of what to expect this year
Repeat review from verified client
May, 2024
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Kept in touch and kept us up to date
Repeat review from verified client
May, 2024
Overall
Advice
Service
Value
Based in North Yorkshire
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Managing the investments within my pension. They have performed fantastic and had a great return recently
Repeat review from verified client
April, 2024
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Kept me up to date, is always there when I have a question and gives good advice/guidence.
Review from verified client
March, 2024
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
We have always had an adviser. Tom took over when our previous adviser retired
How has Tom Horner helped you?
Gave us appropriate advice
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing that I know of
Repeat review from verified client
March, 2024
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Did annual review on pension and savings .Also helped with a tax problem I wasn't sure about .
Repeat review from verified client
December, 2023
Overall
Advice
Service
Value
Based in North Yorkshire
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Great advice regarding my pension options
Repeat review from verified client
December, 2023
Overall
Advice
Service
Value
Based in North Yorkshire
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Really lovely guy and very easy to chat to
Review from verified client
October, 2023
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
I am power of attorney for my grandfather. I started to manage my grandfather's financial affairs on his behalf. Tom became our adviser due to the previous adviser retiring.
How has Tom Horner helped you?
Tom has helped us by making the registering of my grandfather's POA with him an easy process. This has certainly made dealing with my grandfather's finances much easier for us all. Tom has also provided advice regarding the optimal amounts to be removed from investments, to help lessen the negative impact on these investments/
Have you seen the outcome you were hoping for?
Yes
Review from verified client
October, 2023
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
I have recently retired & needed advice on the best way to manage my various pensions
How has Tom Horner helped you?
I have had a number of meetings with Tom & also many emails. He came up with a plan which was explained to me in great detail & was a lot easier to understand than one I had done with another company. I decide to go with Tom's recommendations & it is almost complete now
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I'm not a financial expert so can't really answer this question
First impression from a user who is not yet a client
September, 2023
Overall
Please provide a brief comment about your experience with Tom
Tom rang me within 10 minutes of me using Vouched for & arrannged a meeting within days. In the meantime he checked some info I sent him & was well prepared for our meeting. Second meeting is in a couple of days & I would think I will use Tom/MG Shaw for my drawdown pension
Review from verified client
July, 2023
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
I lost a lot of money with another pension fund
How has Tom Horner helped you?
Tom helped me find another company and he did everything for me.
Have you seen the outcome you were hoping for?
Yes I am more than happy I am seeing a rise in my fund for which I am grateful
What could they have done better?
I don't think so Tom has been very good
Review from verified client
July, 2023
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Retirement
How has Tom Horner helped you?
Recommended areas of investment best suited to me.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Review from verified client
July, 2023
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Retirement
How has Tom Horner helped you?
Giving advice on investments and options to suit my needs
Have you seen the outcome you were hoping for?
Yes, constantly reviewing financial markets to obtain best returns from my investments.
What could they have done better?
Nothing.
Review from verified client
July, 2023
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Looking to consolidate plans,
How has Tom Horner helped you?
Tom listened carefully to what I had to say, understood the potential best course of action for my circumstances and acted accordingly.
Have you seen the outcome you were hoping for?
The plan which has been implemented should fully meet all of my future requirements.
What could they have done better?
Don't think there is anything better Tom could have done.
Repeat review from verified client
July, 2023
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Annual review. Always a pleasure to see Tom, who effortlessly explains what’s been happening and where things stand at present.
Review from verified client
July, 2023
Overall
Service
Advice
Value
Based in Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Continuation of services with same company after my previous advisor retired
How has Tom Horner helped you?
Continued to review the portfolio performance. Starting to look at retirement planning. Simplified information format and payment methods
Have you seen the outcome you were hoping for?
TBC at the time of retirement. It is a challenging time for all funds given the global financial position.
What could they have done better?
Nothing at this stage
Review from verified client
May, 2023
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Had pensions from previous employers and wasn’t sure what to do with them
How has Tom Horner helped you?
Helped consolidate them into one pot
Have you seen the outcome you were hoping for?
Yes all working as expected
What could they have done better?
Nothing
Tom's reply
Appreciate the great feedback and really happy that I was able to help you out!
Review from verified client
May, 2023
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
After consolidating some pensions
How has Tom Horner helped you?
He spoke to me in terms I understand. Answered any questions I had and wasn’t pushy just felt open and honest
Have you seen the outcome you were hoping for?
Yes feel confident that I have been advised correctly
Tom's reply
Thanks for the great feedback, Andrew. Really appreciate it and glad that I've been able to help!
Review from verified client
May, 2023
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
I have recently retired and wanted to invest part of my pension
How has Tom Horner helped you?
I am able to understand how my money will be invested and managed. I now feel more knowledgeable about my investment and the potential for growth
Have you seen the outcome you were hoping for?
I think the outcome is better than expected
What could they have done better?
Nothing
Tom's reply
Thanks for the great review, Julie! Really happy that I've been able to help :)
Repeat review from verified client
April, 2023
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
I had an unexpected tax bill. Had a chat with Tom and he made it all go away with good advice. A substantial saving. Always a pleasant manner, explains everything.
Tom's reply
Really appreciate the kinds words, Brian! Happy that i've been able to help.
Repeat review from verified client
March, 2023
Overall
Advice
Service
Value
Based in Durham
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Helped sort out tax allowance and gave advice on finances .
Tom's reply
Really appreciate the great review, Nick! Happy to have helped!
Review from verified client
March, 2023
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Our previous advisor had retired
How has Tom Horner helped you?
Clear, prosise information
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
They could not have performed better
Tom's reply
Thank you so much for the great review, Martin & Alice - it's much appreciated!
First impression from a user who is not yet a client
February, 2023
Overall
Please provide a brief comment about your experience with Tom
I have a huge distrust of the Financial Sector as a whole however Tom has been able to claim me and build my trust although still early days I remain hopeful for a positive outcome.
First impression from a user who is not yet a client
January, 2023
Overall
Please provide a brief comment about your experience with Tom
Approachable and knowledgeable
Repeat review from verified client
December, 2022
Overall
Advice
Service
Value
Based in North Yorkshire
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Really easy to get on with and good advice
Review from verified client
July, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Having lost quite a sum of money from my pension I decided to get a financial advisor to help me as I really did not know what to do
How has Tom Horner helped you?
Yes Tom took time to explain all my options. I am grateful for his advice as I really did not what to do.
Have you seen the outcome you were hoping for?
I feel more at ease and relaxed after the initial shock of losing part of my pension. So yes I am happy I decided to take advice.
What could they have done better?
For me Tom explained everything in detail and he made sure I understood so I am more than happy with the outcome and grateful for Tom's advice.
Review from verified client
July, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Semi retirement
How has Tom Horner helped you?
Tom collated all of my information, listened to my needs and aspirations and processed accordingly.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Everything was done extremely well
Review from verified client
June, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
I wanted to transfer my deferred pension (CETV) to allow me to take my 25% tax free lump sum and invest the remainder.
How has Tom Horner helped you?
Tom organised all the paperwork and helped make the process smooth and as stress free as possible.
Have you seen the outcome you were hoping for?
Yes I have and I am very happy
What could they have done better?
Nothing
Review from verified client
May, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Pension planning
How has Tom Horner helped you?
Told me what direction to take.
Have you seen the outcome you were hoping for?
Not yet?
What could they have done better?
Nothing
First impression from a user who is not yet a client
May, 2022
Overall
Please provide a brief comment about your experience with Tom
Friendly, helpful and professional.
Review from verified client
May, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Advise for better preforming investment
How has Tom Horner helped you?
He is very knowledgeable, pleasant and helpful, he helped me sort out a better investment option, provided report and explained options in great detail
Have you seen the outcome you were hoping for?
Yes up to now, just new with Tom
What could they have done better?
Couldn’t have done anything better
Review from verified client
May, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Transfer of Pension to Investment
How has Tom Horner helped you?
Tom is very knowledgeable and advised on all types of investments to help us make a decision. There was no pressure at any time to commit to an investment or make a decision it was in our own time.
Have you seen the outcome you were hoping for?
transferred pension into various investments but no outcome as too early
What could they have done better?
Nothing pleased with service received
Repeat review from verified client
April, 2022
Overall
Advice
Service
Value
Based in North Yorkshire
This review is a follow-up review from a client who left a review previously.
How has Tom Horner helped you since your last review?
Tom has continued to provide a great service. He is regularly in touch with me and we have updated my plan at our review meeting. My pension has had a very pleasing performance as well despite current world events.
Review from verified client
March, 2022
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
Needed to transfer two pensions to another provider and also wanted financial advice .
How has Tom Horner helped you?
Tom went through all my finances with me so i would have an idea if and where i could invest some of my savings .Also gave advice on my pension transfer options .
Have you seen the outcome you were hoping for?
My pensions have now been moved to another provider ,im very happy the way everything was done ,Tom was very professional and explained everything in great detail .
What could they have done better?
Everything was fine ,cant see how it could be improved.
First impression from a user who is not yet a client
January, 2022
Overall
Please provide a brief comment about your experience with Tom
Tom was well informed and gave me confidence that he could support me in my financial situation. Tom was courteous and explained things in simple terms so I could understand what he was saying
First impression from a user who is not yet a client
January, 2022
Overall
Please provide a brief comment about your experience with Tom
Friendly and explained things clearly
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Had savings sat in cash not earning much interest
How has Tom Horner helped you?
Explained risk levels and invested my money in funds that matches the risk I wanted to take
Have you seen the outcome you were hoping for?
Yes the performance has been good so far
What could they have done better?
Nothing. Tom has been great
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
I was looking for a pension and ISA to help prepare my finances for retirement.
How has Tom Horner helped you?
Tom gave me great help and advice in selecting the most suitable products to match my requirements.
Have you seen the outcome you were hoping for?
Yea, both my pension and ISA are performing well.
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
Needed good advice as been poor in the past with other companies
How has Tom Horner helped you?
Tom was fantastic. He listened to my needs and was very easy to deal with.
Have you seen the outcome you were hoping for?
Yes really pleased.
What could they have done better?
Can’t think of anything as he was great.
First impression from a user who is not yet a client
November, 2021
Overall
Please provide a brief comment about your experience with Tom
Very knowledgeable and easy to talk to to.
Review from verified client
September, 2021
Overall
Advice
Service
Value
Based in Cumbria
What were the circumstances that caused you to initially look for an adviser?
I was looking for help to open a pension scheme.
How has Tom Horner helped you?
Tom helped and advised me on opening a pension. He was very knowledgeable, friendly and helpful. I feel like I am in good hands with Tom, he keeps me informed and up to date with everything.
Have you seen the outcome you were hoping for?
I have not long started with my pension scheme but everything so far is spot on.
What could they have done better?
I can’t say anything could of been done any better. Everything is going the way I hoped it would.
Review from verified client
June, 2021
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
A short term second income pushed me into a higher tax bracket, plus I had savings that I didn't know what to do with?
How has Tom Horner helped you?
Explained everything for someone who isn't the sharpest when it comes getting the most from your money. Guided me all the way through the process, excellent communicator. Answered all my questions
Have you seen the outcome you were hoping for?
It is early stages, but I've been very pleased in the way Tom has handled things
What could they have done better?
Tom couldn't have done anything better, but I could've. My first experience of financial advice and I only wish I'd done it sooner.
Tom's reply
Thanks so much for the feedback, Brian. I'm pleased you found the process useful. I'll make sure you keep getting excellent value moving forward!!
First impression from a user who is not yet a client
May, 2021
Overall
Please provide a brief comment about your experience with Tom
Very helpful with what I was sorting out today would highly recommend him.
Tom's reply
Thank you for the great feedback, Susan - it's greatly appreciated. I'm really happy I was able to assist you and look forward to helping you out in the future!
Review from verified client
April, 2021
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
I needed help understanding my pension and also to update my life insurance policy.
How has Tom Horner helped you?
Tom reviewed my life insurance policy and helped me choose the investment fund in my workplace pension.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing. Tom was great and explained everything really clearly.
Tom's reply
Thank you for the great review - it's always nice to provide financial advice that helps local people in Stockton-on-Tees! Looking forward to meeting up at our next review.
Review from verified client
March, 2021
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
House move and need for extra life insurance.
How has Tom Horner helped you?
Tom helped us pick the best life insurance policy to meet our needs at a price we could afford. He did this after we lost faith in another advisor.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Tom's reply
Thank you for the great feedback, Katie. Hope the House move went smoothly!
Review from verified client
March, 2021
Overall
Advice
Service
Value
Based in Durham
What were the circumstances that caused you to initially look for an adviser?
To consolidate and transfer two inflexible personal pension plans to a single flexible personal pension plan.
How has Tom Horner helped you?
Tom listened to our retirement plans and, after reviewing our financial circumstances and attitude to risk, was able to recommend a personal pension plan to suit our needs perfectly. He also provided excellent advice to ensure our investments overall would serve us better in our retirement. We have been very impressed with Tom from our first contact and throughout the process. He has a polite and professional manner. He discussed our options and his recommendations in detail and clearly, without any pressure to go ahead.
Have you seen the outcome you were hoping for?
Absolutely.
What could they have done better?
Nothing, could't find fault with the service Tom provided at all.
Tom's reply
Thank you for the great review, Terry - I really appreciate it. I've really enjoyed working with you and Janet and I'm happy you've seen the outcome you were hoping for.
First impression from a user who is not yet a client
December, 2020
Overall
Please provide a brief comment about your experience with Tom
I’ve just spoken to Tom about investing a lump sum of money. Tom made me aware of the options I had and also the pros and cons of each option in easy to understand language. I will be meeting up again with him in the near future to finalise my investment and would recommend him to anyone.
Tom's reply
Thank you for a great review, Matthew. I really enjoyed meeting you and am looking forward to helping you more very soon.
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in North Yorkshire
What were the circumstances that caused you to initially look for an adviser?
I dealt with yourselves many years ago ,after needing help and advice i contacted you again.
How has Tom Horner helped you?
Tom was very efficient ,great people skills and talked to me in simple language .It was black or white no shades of grey .Tom was great.
Have you seen the outcome you were hoping for?
Yes Tom dealt with my request and was sorted really quickly and efficiently .
What could they have done better?
Tom could of done nothing better he was great in every aspect.
Tom's reply
Thank you for a lovely review, Colleen. I really appreciate it. It was a pleasure to work with you.