Reviewed for

Insurance and Protection ( 9 )

Mortgages ( 26 )

Pensions ( 41 )

Equity Release ( 2 )

Retirement income (annuities, drawdown) ( 16 )

Investments and Savings ( 45 )

Pension Transfers - Non Specialist ( 10 )

Inheritance Planning ( 8 )

Long Term Care ( 1 )

Pension Transfers - Specialist ( 10 )

Financial Planning ( 11 )

Financial Mentoring ( 4 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 17 )

£200k - £500k ( 13 )

£100k - £200k ( 9 )

Up to £50k ( 11 )

£50k - 100k ( 5 )

Client reviews

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

Taking early retirement

Have you seen the outcome you were hoping for?

yes

How has Sanjay Badhan helped you?

He has been my go to person

What could they have done better?

nothing

Sanjay's reply

Thank you for your review, Graham. It has been a pleasure helping transition you to retirement, and we look forward to catching up when we next speak.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

Wanted to consolidate pensions

Have you seen the outcome you were hoping for?

No.

How has Sanjay Badhan helped you?

The initial consultation was OK however I have seen zero financial advice. All we have received is a copy of a web page I can simply Google stating facts such as how many transactions have been completed which has no interest or use.

What could they have done better?

Each time I have asked for something I have had to follow up or it unfortunately has not been delivered. This time I asked for a forecast which would be delivered for myself and partner and we have received nothing still. This is an expensive service for what is currently being delivered. We also asked for new Transact password and username for my partner which has not been received either.

Sanjay's reply

Hi Ray, thank you for taking the time to leave a review, and we welcome all feedback, both constructive and positive. Thank you for the private feedback saying that you would recommend us and that our correspondence is quite clear. I am puzzled by some of the points in the public feedback, as since our meeting last month, we have been waiting to receive your updated figures to enable us to complete your annual reports. Becki from the support team followed up by email on 14th November, and nothing has been received since. In our meeting, we agreed to finalise your reports for you before the end of this year. I explained the forecasts would be in these; however, as discussed, we require your information first to ensure the advice is correct for your circumstances. We requested Transact to send the login details. However, this may have been lost or delayed in the post, given the ongoing strikes. We are happy to re-request this again, but please note that it is not Future Planning withholding this; rather, we depend on Transact, a third party sending them to you. We look forward to receiving your completed information as soon as possible, so we can continue to deliver value for money and those forecasts and reports that I know you are keen to receive. I look forward to speaking with you soon.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

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

The need to manage my finances and not a strong desire to do so myself

Have you seen the outcome you were hoping for?

Not yet. My situation has changed recently and I am in the process of rearranging my situation

How has Sanjay Badhan helped you?

He has given me a clearer view of my position.

What could they have done better?

Nothing comes to mind.

Sanjay's reply

Thank you for taking the time to leave a review, Matt, and I hope everything is faring well.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

retirement

Have you seen the outcome you were hoping for?

no issues and happy with the current situation

How has Sanjay Badhan helped you?

planning for the future

What could they have done better?

N/A

Sanjay's reply

Thank you for your review, Neil. I hope you are well and look forward to catching up soon.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

I wished to retire early and sought advice regarding access to my company and personal pension schemes

Have you seen the outcome you were hoping for?

Yes

How has Sanjay Badhan helped you?

Sound, honest advice based on an a full understanding of my retirement goals

What could they have done better?

Sanjay and his team are competent, reliable and trustworthy. I have not seen any areas where they have not performed well

Sanjay's reply

Thank you for your review Jonathan, and we hope all is well with the family. I look forward to catching up soon!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

As I was self employed, I needed to sort out an affordable solution to give myself a pension on which to retire.

Have you seen the outcome you were hoping for?

Indeed

How has Sanjay Badhan helped you?

He has been there all along, with great advice and a cheery smile. He puts things over to you in a manner that you will understand and if you still don’t get it, he will tell you again in a different manner.

What could they have done better?

Nothing - apart from having a few biscuits on the table for long meetings !!!

Sanjay's reply

Thank you for the review Steve and excited to hear about your retirement journey and holidays now you're there! I look forward to speaking soon.

Review from verified client

November, 2022

Overall

Value

Service

Advice

Based in Wiltshire

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

Retirement

Have you seen the outcome you were hoping for?

Happy with the advice and support given

How has Sanjay Badhan helped you?

Help me look long term to plan my retirement

What could they have done better?

Ensure I fully understand all options available

Sanjay's reply

Thank you for the review Neil and I hope you are keeping well.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

I was at the age where I needed to review my pension plans in preparation for early retirement. We also needed help and advice regarding our wills which were not straightforward.

Have you seen the outcome you were hoping for?

Yes, I retired at 61 and our wills are now written.

How has Sanjay Badhan helped you?

Sanjay helped me to see things differently and with a few changes to my pension plans he showed me that I was in a much better financial position than I thought. He was also very patient with us regarding our wills and they are now sorted. It's a comfort to know that myself and my family are in safe hands.

What could they have done better?

Nothing that I know of.

Sanjay's reply

Thank you for the review, Neil, and it is a pleasure working with Alison and you. Looking forward to our next catch up and hope you are continuing to enjoy retirement!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

I had invested in some unregulated products and my finances were in a bit of a mess

Have you seen the outcome you were hoping for?

yes

How has Sanjay Badhan helped you?

he transferred my SIPP to a better provider and stops me investing in unregulated products and keeps me on the straight and narrow when I come up with mad investing suggestions!

What could they have done better?

none - all his team are really good and very helpful

Sanjay's reply

Thank you for the review, Michelle. Lovely to work with you over the years while keeping you on the straight and narrow, as you say! Great to help you retire this year, and I look forward to hearing about all the extra holidays when we next speak!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

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

Recognised need for advice on our finances - initially ISAs then more overall advice

Have you seen the outcome you were hoping for?

Yes

How has Sanjay Badhan helped you?

Hopefully given us good advice with recommendations for our investments

What could they have done better?

For any service provider, a lower fee!

Sanjay's reply

Thank you, Bob, for the review. As always, it was a pleasure catching up with Di and you recently.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

The need for financial advice and information relating to long term goals relating to income, expenses and children's education

Have you seen the outcome you were hoping for?

So far, we have received very constructive advice re the above enabling us to see the future more clearly

How has Sanjay Badhan helped you?

Conversion of 3 pension schemes into a SIPP allowing us to pay for school fees for both children and a contribution to living expenses

What could they have done better?

Not sure what could have been done better, not having specialist knowledge myself

Sanjay's reply

Thank you, Tim, for taking the time to leave a review. It is very much appreciated, and I look forward to our catch-up early next year.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

My wife and I needed help planning for early retirement.

Have you seen the outcome you were hoping for?

Very much as we both retired early seven years ago!

How has Sanjay Badhan helped you?

With our pension provision and looking after our investments long term.

What could they have done better?

Very little as he is always there for help and advice.

Sanjay's reply

Thank you for your review, Anthony and Helen! Always a pleasure working with you, and I look forward to our next meeting.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

Wanted to get some investment advice and advice about pensions

Have you seen the outcome you were hoping for?

Yes

How has Sanjay Badhan helped you?

Sanjay gives options and allows you to choose without any pushiness to decide how you want to take things further. I like the fact that he explains things in laymans terms.

What could they have done better?

Nothing

Sanjay's reply

Thank you for taking the time to leave a review, Kim. I appreciate all feedback, and it is a pleasure to work with you. I look forward to speaking soon!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

Early Retirement

Have you seen the outcome you were hoping for?

yes

How has Sanjay Badhan helped you?

Good sound advice every thing that has been spoken about is or is about to happen good clear advice can not recommend a higher endorsement.

What could they have done better?

Nothing ever thing that was spoken about has been acted upon

Sanjay's reply

Thank you for your review Graham and looking forward to working with you, helping you have the best retirement possible!

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Financial planning to enable a future early retirement

How has Sanjay Badhan helped you?

Sanjay helps me to evaluate my finances, understand what my long and mid term goals are and chose the financial products that best suit my needs.

Have you seen the outcome you were hoping for?

I've been using Sanjay for a long time now and always have seen the outcomes I had hoped for.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

I wished to retire early and needed to release funds from my company pension schemes, this is not possible without the participation of regulated financial advisors.

How has Sanjay Badhan helped you?

He assisted by reviewing my financial circumstances and those of my wife who also plans to retire in 2022. He provided information on investment companies that will help us achieve our financial goals and provided a detailed analysis of our financial future. The advice was honest, straightforward and transparent, giving us confidence that we are in a position enjoy our retirement.

Have you seen the outcome you were hoping for?

In that my pension pots have been released and invested, the answer is yes.

What could they have done better?

They have done a great job, considering the disruption caused by Covid. Communication and service has been excellent through the whole process.

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Sanjay

I have been a client of Sanjay's since his early days and he is a very good financial advisor. He listens to what you want and comes up with the best solution or product. I am not the easiest client to manage, but he always listens patiently and is able to guide me in the right direction.

Sanjay's reply

Thank you so much, Michelle, it was a pleasure working with you.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Too many options

How has Sanjay Badhan helped you?

Clarified and simplified

Have you seen the outcome you were hoping for?

Yes

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Have money to invest and need an income in retirement

How has Sanjay Badhan helped you?

Provided clear advice about investing my money. This was done at a pace to suit myself and everything was explained very well.

Have you seen the outcome you were hoping for?

Yes, the investments have performed better than expected and I am getting more income than I thought I would.

What could they have done better?

Nothing.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Redundancy and retirement coinciding at very short notice.

How has Sanjay Badhan helped you?

He only went and said the wife could retire too!!!! Life changing stuff.

Have you seen the outcome you were hoping for?

We're about 95% of the way there and we're delighted so far.

What could they have done better?

Nothing I can think of.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I was looking to remortgage a couple of years ago. I, more recently, was looking to consolidate a couple of pension plans into one and to drawdown some of the equity.

How has Sanjay Badhan helped you?

Sanjay was very helpful and explained the options available. At no time did I feel any pressure to accept the options available and was encouraged to read and take time to think about the options presented.

Have you seen the outcome you were hoping for?

Yes, my pension has been consolidated into one plan, I have an online account so I can see any changes on a daily basis and my drawdown is expected within the timescales discussed.

What could they have done better?

None.

Sanjay's reply

Hi Wendy, Thank you for your review, we really appreciate it! I look forward to continuing to working with you over the coming years. Your review is really valued here at Future Planning. Regards, Sanjay.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I was looking for advice regarding my old company pension and whether to leave it where it is or to transfer out.

How has Sanjay Badhan helped you?

We met face to face and remotely a number of times; Sanjay went through our family's budget and our aspirations for the future. This was an iterative process and was reviewed a number of times. He guided us through the process of transferring a pension and what that would entail. He then created a number of scenarios displaying how an income could look depending on age, what money we would need to maintain a certain lifestyle and any gaps in income that might need addressing.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I would have liked to see an example redacted version of the scenarios at the beginning of our work together.

Sanjay's reply

Hi Colette, It is great to hear you are so happy with the service you have received so far, I look forward to many years of us working together! I hope you have an amazing winter holiday and new year!

Repeat review from verified client

November, 2020

Overall

Value

Service

Advice

Based in Wiltshire

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

How has Sanjay Badhan helped you since your last review?

I contacted Sanjay at the start of the year with regards to best way forward at the height of the pandemic in the summer, as my redundancy is due in 2021, I have been advised to be patient and review at the start of the next finanical year.

Sanjay's reply

Hi Craig, Thank you for your review it is great to hear you are so happy with the service you received and we look forward to seeing you again in the next financial year! I hope you have a great winter holiday and new year!

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I was looking to retire soon, i needed professional help to sort my finances after looking at them myself and not knowing what to do next.

How has Sanjay Badhan helped you?

Sanjay was very helpful in explaining his role in the process and making me aware of all the factors and the options. Sanjay was very confident and helpful. Sanjay has an amazing team behind him and specific member of staff was extremely helpful and did an amazing job.

Have you seen the outcome you were hoping for?

Being slightly unaware of the outcome I have been very pleased and pleased with the outcome of the advise i took.

What could they have done better?

Sanjay was overal very good and helpful, i have no constructive comments to leave.

Sanjay's reply

Hi Alex, Thank you so much for your review, I am very grateful and look forward to working with you more in the future! I hope you have a lovely winter season and a happy new year.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Bristol

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

Second mortgage application needed within 3 years, rather complex and specialised circumstances

How has Sanjay Badhan helped you?

Expert advice and tailor-made service to suit our circumstances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Exceeded all expectations across all requirements

Sanjay's reply

Thank you for your review Karen. We are happy you have had another positive experience.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Gloucestershire

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

How has Sanjay Badhan helped you since your last review?

Just completed a residential mortgage with Sanjay of Future Planning

Sanjay's reply

Thank you for your review Marti, we wish you many happy years in your new home!

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Wiltshire

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

How has Sanjay Badhan helped you since your last review?

After going through my finances this year,Sanjay has given me great piece of mind and options for the future,as I have been told about my up and coming redundancy at my work.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Wiltshire

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

I wanted to set up a property portfolio to grow my wealth over the next 10 - 20 years.

How has Sanjay Badhan helped you?

I contacted a number of advisors but Sanjay's expertise, clarity in communication and integrity stood out. He was 100% up front and transparent about everything and his advice helped me to set my affairs up efficiently and realise my goals.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I was extremely impressed with the service he gave such that I don't have any suggestions to offer.

Sanjay's reply

Thank you, Paul, your feedback is greatly appreciated.

First impression from a user who is not yet a client

November, 2018

Overall

Please provide a brief comment about your experience with Sanjay

very professional

Sanjay's reply

Thank you Simon for this rating!

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

I needed help with making sure I had enough money in retirement so that I could enjoy life as much as possible while I am healthy.

How has Sanjay Badhan helped you?

Sanjay showed me if I made certain changes with how I held things then I would be able to enjoy more income to spend. He set up for me a portfolio that gives me much more income than I ever received before from my old investments and from the building society. I am now in a very good position and able to go on holidays when I wish to. I have been with Sanjay for over 10 years since before he expanded the business and remain very happy.

Have you seen the outcome you were hoping for?

I was concerned with risking my money, especially with taking an income but my invested amount has gone up in value too. In fact, the opposite has happened! My income has been growing over time as well and as Sanjay says, this means that it is keeping pace with the cost of living so that my spending power is not left behind.

What could they have done better?

I am very happy and cannot suggest any improvements. I have referred some friends over in fact, and they are also very happy. I appreciate Sanjay is busy in meetings but I am always made to feel welcome if I pop into the office to say hi even if he is not there the staff are very good and caring.

Sanjay's reply

Thank you Sergio, always a pleasure!

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

Help with managing my money so I have more spare time to spend on quality of life rather than worrying about my future.

How has Sanjay Badhan helped you?

Sanjay took the worry away! All of my questions were answered and everything is taken care of for me. I look forward to our meetings because he shows me how much closer I am to my goals in plain English with graphs. The technology is excellent and I have full accesss to everything. The most recent work was transferring my pension although I have been with Sanjay and his team for nearly 15 years.

Have you seen the outcome you were hoping for?

Yes the outcome is everything I wanted and extra - without realising it at the time! I have always been happy.

What could they have done better?

I cannot suggest any improvements. All of the staff are lovely, keep in touch and take an interest in me reassuring me that I am never forgotten about.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

I was looking for help on transferring my pension and understanding how early I could retire.

How has Sanjay Badhan helped you?

The process was made very easy. Everything was explained in clear English and I was kept up-to-date throughout. I only had to provide numbers asked for in some documents. I was shown that I was in a position to be able to retire immediately, as I no longer enjoy working where I am and I am much happier knowing my money is being looked after for me, leaving me to enjoy retirement.

Have you seen the outcome you were hoping for?

Yes and more! Sanjay and the team already manage some of my other money and the returns have been excellent so I am very comfortable with them handling the rest of my money.

What could they have done better?

They always take the time to make me feel valued and wanted, which is really nice. I was hoping the pension would transfer quicker but this was not down to the advisers, as my old workplace took a very long time in moving the money so I can't fault the advice or the advisers at all.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

Moving home.

How has Sanjay Badhan helped you?

It was Sian who advised us very well and we now have our new mortgage.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing was all excellent

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

New property.

How has Sanjay Badhan helped you?

Advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Everything was perfect

Review from verified client

June, 2018

Overall

Service

Value

Advice

Based in Wiltshire

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

Unable to sell my house. Decided to remortgage and get buy to let property.

How has Sanjay Badhan helped you?

Sian Hewson in was very helpful and friendly and caring with our advise.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don't think anything more was required.

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

Looking to release capital from our house to reconsolidate loans plus some additional improvements.

How has Sanjay Badhan helped you?

Sanjay and his team helped by looking at different options available and affordability.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing very professional advice from the team Anil and Sian

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

Sian Hewson dealt with helping me save money by suggesting I remortgaged as came to the end of my 2year fixed mortgage with the Halifax and found me a great deal with the nationwide saving me £200 a month she was soo friendly and informative and nothing was too much trouble and hassle free.

How has Sanjay Badhan helped you?

Been dealing with Sanjay, Anil and Sian for years now and guarantee 5 Star service and always recommend them to my friends who have also received top notch advice and saved money.

Have you seen the outcome you were hoping for?

Sian just completed my re-mortgage and I’m delighted it was seamless and she was amazing so very happy as saving money now.

What could they have done better?

100% satisfied and grateful for amazing advice, service, patience and friendly service thankyou will continue recommending you to everyone!!!

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Wiltshire

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

We were looking at re mortgage. This company was recommended by my parents who have been clients for several years.

How has Sanjay Badhan helped you?

Sian completed my re mortgage she provided excellent service nothing was to much trouble. Sian also reviewed our life policies to discover they weren't all they should be and had been extremely helpful with this. Service with a smile.

Have you seen the outcome you were hoping for?

Yes the re mortgage is going well just need to complete.

What could they have done better?

At this time nothing. Very kind professional friendly service nothing was to much trouble and offered to review our life policies which was much appreciated as they were taken out a long time ago.

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Oxfordshire

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

I had been in contact with Sanjay over 6 years ago with regards to a self build mortgage, which we was able to help with.

How has Sanjay Badhan helped you?

He obtained the self-build mortgage with very little problems on our part. We are now looking at re-mortgaging 2 properties along with a family member who is looking at a first time buyers mortgage. All of these products are being dealt with by Sanjay and Sian in an extremely professional manner and the contact is fantastic.

Have you seen the outcome you were hoping for?

Not as yet as we are early days in the process of number 1 re-mortgage but so far all is going smoothly and should be finished soon.

What could they have done better?

Absolutely nothing. The products and prices have been extremely competitive and we are more than happy to recommend the team at Future Planning for anyone's financial requirements. Keep up the good work.

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Somerset

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

Sian Hewson was my advisor and I was looking for someone to advise me on my first mortgage.

How has Sanjay Badhan helped you?

Sian helped me find the best deal and talked me through the process. She was extremely helpful and efficient.

Have you seen the outcome you were hoping for?

Yes, I completed quickly with Sian's help and am happily settled in my new home!.

What could they have done better?

Nothing.

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Sanjay

Sanjay was very pleasant and very good to talk to. He appeared to be very knowledgeable and made a point of putting the customers actual requirements first.

First impression from a user who is not yet a client

September, 2016

Overall

Please provide a brief comment about your experience with Sanjay

Excellent

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Wiltshire

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

Needing direction and organisation with my finances and assets.

How has Sanjay Badhan helped you?

Helped me make sense of my money and what it meant to me. Spoke in plain English and wasn't pushy or "salesy" or making me feel uncomfortable. There was no rushing and in fact the process took longer than I thought it would, although in hindsight I can appreciate and understand why.

Have you seen the outcome you were hoping for?

Yes but I didn't know to expect this. So things are better than I was expecting! In summary, my finances are clear to me, I understand what I need to do to have a secure future and where Sanjay and the team will be able to help me with this going forward.

What could they have done better?

Explained the time it would take perhaps, although I had a couple of holidays to be fair and also it was tax year end so I appreciate probably a busy time for all. Other than that, nothing - superb service and refreshingly different to what I have experienced before from advisers.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Sanjay

I met with Sanjay on my own as my husband couldn't make the meeting. Sanjay was very polite and very knowledgeable about his products and made me feel very relaxed and comfortable.

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Sanjay

Sanjay was friendly and listened/took notes carefully over the phone. I got the impression on what he said that he thought that he could not improve my current financial portfolio position because I am 75% risk averse with all my considerable savings such that any investments he might suggest I think he thought I would reject (not necessarily true, as I want to know whether to take drawdown on my stakeholder and what to invest it in). He suggested that I could not easily protect my savings/stakeholder/house from large future inheritance tax that my children would incur due to the nature of my current "investments" (bonds/ISAs/NSI/stakeholder). Therefore, even though he has sent me a financial form for me to fill in with more basic financial details to be used (I think, but I am not sure as his email was not worded very well) to perform my free "Basic Financial Plan", I'm not sure whether to bother as he sounds like (from his own words) that he will eventually say, "I can't help you improve your financial position". Future charges are unclear as he said there is a wide choice of charges available that would become clearer when he gets my filled in form.

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Sanjay

So far I am impressed with Sanjay and his professionalism. He is courteous, prompt and responsive. His has excellent offices and his online and software tools are very good. My wife and I have not had any specific advice from him yet as we are going through a planning an data gathering phase. He is expediting our work as we have some near future deadlines that he recognises and is working to.

Review from verified client

August, 2015

Overall

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Value

Based in Berkshire

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

I was planning for exiting my business and wishing for a difference of opinion from advice received with current advisers, as not sure I was receiving value for money.

How has Sanjay Badhan helped you?

Sanjay was fully independent, a breath of fresh air and took into account my goals in life, not just how much money I had. He approached things from a way in which I was not expecting (a really good thing) and helped me realise the important things in life. One of the first things he did was explain how I could achieve my goals by being more tax efficient and as a result of some clever (I think very clever) planning, saved over £20,000 in taxes this year. A fresh approach from simply trying to suggest I invest in various things.

Have you seen the outcome you were hoping for?

It became clear where I sat with achieving my goals financially and, as I enjoy my lifestyle, I realised very clearly and accurately that there are simply tweaks (as he put it, not looking to reinvent the wheel!) to be carried out, which will help me have enough money to retire when I wish to and not worry about money. Without realising it at the start of our initial meeting, this was absolutely the outcome I was hoping for - although I did not know it at the time! Very pleased I decided to enquire about obtaining a second opinion, as my current (or now previous) adviser had not ever mentioned anything like this and instead earning money off my investments for doing not a lot, it now appears.

What could they have done better?

Absolutely nothing, sorry. Sanjay was thoroughly knowledgeable and understood me completely. I was interested to see what would be achieved for the advice fees however this year alone there has been much more than value for money and I look forward to being a client for a long time.

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Sanjay

I can highly recommend Sanjay, I thought he was patient and extremely helpful. He gave me a wealth of information no other financial adviser could give me.

First impression from a user who is not yet a client

May, 2015

Overall

Please provide a brief comment about your experience with Sanjay

Swift contact and seemed very genuine. Even advised me that I didn't need an advisor!

Review from verified client

May, 2015

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Service

Value

Based in Avon

How has Sanjay Badhan helped you?

Met with Sanjay and three other local advisers. He wasn't the cheapest or the most expensive, but I felt presented the most value for money and in my opinion was the most genuine. I appreciated the honesty and transparency as he has always told the truth. His knowledge was excellent, which allowed us to trust him completely. Having completed everything he has been true to his word and delivered - exceeding my expectations. I am delighted with the results and thanks to the extra effort he has put in truly getting to know us, we look forward to an even better retirement and knowing that we can enjoy our future without any financial worries.

What could they have done better?

He has restored my ocnfidence in financial advisers after a previous disastrous experience.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Sanjay

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Sanjay

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Sanjay

We did not discuss charges at the first enquiry

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay took the time to really get to know me and what I was after, helping me understand things that I wasn't even aware of. He then rearranged my affairs from a previous adviser better, so that everything worked for me. He held several meetings with me before making any changes and with hindsight I can now see the benefit of doing this. I met with several advisers however chose Sanjay as his way of working was refreshingly different and I felt value for money. Also because I know he will be around for a long time to help me spend my money!

Review from verified client

January, 2015

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay listened to what we were saying. It sounds simple, but he really did just that. He created an exit strategy for ourselves from both employment and self employment. He made it incredibly easy to see that actually, we could retire earlier than expected. We had never been told this! Very refreshing to not be pushed products too. Excellent value for money considering he has helped secure our financial future, and all explained in a manner that we are able to comprehend. Delighted in our decision and we look forward to working with Sanja for the long term.

What could they have done better?

We can suggest nothing for improvement, as the service and experienced was a breath of fresh air from what we have been used to.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Sanjay

Very helpful and informative

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Sanjay

I saw 4 potential IFAs and have chosen another one to help me. However, Sanjay was very well prepared, charming, and obviously knew what he was talking about.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Sanjay

Very professional, made the world of finance very understandable, good listener

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Sanjay

At present, Sanjay has been providing initial advice regarding property equity release. He was been highly responsive and informative to date, and both myself and my partner greatly appreciated his advice. I would certainly recommend Sanjay for this area

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Listens, understands and accommodating. Very helpful explaining the products to consider with pros and cons of products and plans being considered.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

I have known Sanjay from the days he worked in the Halifax and I have always found him to be very honest, professional and reliable. He listens intently and is patient when explaining anything complicated to me. I wouldn't hesitate in recommending Sanjay as a financial advisor.

First impression from a user who is not yet a client

November, 2014

Overall

Please provide a brief comment about your experience with Sanjay

First impression from a user who is not yet a client

November, 2014

Overall

Please provide a brief comment about your experience with Sanjay

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in London

How has Sanjay Badhan helped you?

Sanjay is a fantastic adsivor who listened and understood my needs then supported me with the relevent solutions - Very happy with the service i recieved and would recommend to anyone.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay is a very approachable and positive person and from someone like me who knows nothing about pensions, he is extremely good at explaining in layman terms, what needs to be done. He listens to what has to be done and gets its sorted very quickly. After reading many reviews of other financial advisors, I know I made the right choice in Sanjay and am so grateful for all his help and fantastic service.

What could they have done better?

I have no one to compare Sanjay against but would definitely recommend him to anyone who needs financial advise.

Review from verified client

November, 2014

Overall

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay is very patient with me and invests my money in areas that I am comfortable with, knowing that I am very low risk. He helps me with my tax figures as well and is very polite and informative. He makes sure my money is in the right places at the right time and reviews this regularly with me, keeping me up to date which wasn't always the case when I received advice from elsewhere before. I know he cares about making sure the right thing happens to his clients, having been with him since 2006.

What could they have done better?

Nothing, very happy with Sanjay

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay came recommended by a local estate agent and throughout my dealing with him, every company in the area I dealt with knew him either personally or by reputation and spoke very highly of him. He is extremely knowledgable within the services he provides and caters for the specific needs of individual clients (my earning situation made me require a specialist to understand the nature of my industry and how it works) and he responded to all questions, emails and calls quickly and thoroughly. I'd have absolutely no doubts about recommending him personally to family and friends.

What could they have done better?

Extremely happy with the service provided. No suggestions necessary.

Review from verified client

November, 2014

Overall

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay keeps in touch and helps me feel safe about investing my money. I trust him to look after my investments and provide regular updates. Our review meetings are always enjoyable, informative and he explains things at a level that I can understand, which is much appreciated.

What could they have done better?

I have been with Sanjay for just over 10 years and I have no intention to look elsewhere for advice as he fulfils all my requirements really well and as such can suggest no further improvements.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in West Midlands

How has Sanjay Badhan helped you?

Sanjay took the time to get to know me before suggesting improvements. He avoided using confusing words and kept everything very simple and easy to understand, which was refreshing as previously I have found others try to use techy sounding terms to bamboozle me. I have been dealing with Sanjay for just under two years now and for the first while he suggested waiting before making any changes, which was nice rather than try and treat me like a digit. He has been available to answer any questions promptly and his standards are as high as the day we first met. He was the first person I'd ever spoken to that actually listened to what I wanted rather than try and sell me products! A really satisfied client and I look forward to working with Sanjay for many years.

What could they have done better?

I cannot suggest any improvements frr Sanjay as I am very happy with the service provided.

Review from verified client

October, 2014

Overall

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay has given consistently solid advice and helped me plan for my retirement, even though I have continued to work into my retirement! He has made arranging my financial affairs effortless and I am happy I chose Sanjay to be my adviser as six years on, he is still as attentive to detail and considerate as he was at the start. I happily recommend Sanjay as a five star rated adviser and his costs are, in my opinion, excellent value for money.

What could they have done better?

Can suggest nothing other than follow a better football team!

Review from verified client

October, 2014

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay has looked after my finances for nearly ten years, never over complicating and explaining things very well. He has helped my transition into retirement flawlessly and continues to provide excellent advice. The technology he uses makes viewing my investments very easy and as such I am always kept informed and he is very quick to respond to any queries. I would certainly recommend Sanjay to friends and family.

What could they have done better?

I can suggest no improvements to the service received

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay has been a pleasure to work with from start to finish. His proffessionalism from start to finish impressed us hugely. As a first time buyer, buying a mortgage was very daunting, Sanjay took us through step by step to ensure we knew what to expect and what each part of the process entailed. Also the regular communication from him made the transaction go smoothly with no glitch or waiting around. This proved crucial for us to help complete the purchase. I could not fault the service provided.

What could they have done better?

N/A

Review from verified client

September, 2014

Overall

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay really listened to all of our requirements and was able to advise us approriately. He works in a very professional manner and always replied promptly to all our queries. Nothing was ever too much trouble! From working in the financial service sectors myself, this has been some of the best service I have seen. I would reccomend and advise anyone to approach Sanjay, as you will be offerred excellent quality service.

What could they have done better?

I cannot suggest any improvements as the service experience has been infallible

First impression from a user who is not yet a client

September, 2014

Overall

Please provide a brief comment about your experience with Sanjay

Answered all my questions very quickly. Thank you.

Review from verified client

September, 2014

Overall

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay takes the time to understand my situation and advise appropriately to make sure that my portfolio is outperforming compared to where it was previously. The technology and access I have to view my performance is excellent and having reconstructed my portfolio and simplified my holdings I am delighted with having Sanjay as my adviser and would be happy to recommend him on to others. Seymour

What could they have done better?

Can suggest nothing to improve on, as am delighted with the service

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Sanjay

We did not discuss Sanjay's charges but he provided a very comprehensive response to my initial query and it is very likely that I will contact him for further advice in the near future

First impression from a user who is not yet a client

June, 2014

Overall

Please provide a brief comment about your experience with Sanjay

First impression from a user who is not yet a client

May, 2014

Overall

Please provide a brief comment about your experience with Sanjay

First impression from a user who is not yet a client

May, 2014

Overall

Please provide a brief comment about your experience with Sanjay

Very professional yet personable. We are confident that he will do his best to find us the best mortgage to suit our needs.

Review from verified client

February, 2014

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Advice

Service

Value

Based in Oxfordshire

How has Sanjay Badhan helped you?

Sanjay provides a comprehensive service with thorough and well researched advice for remortgaging and long-term investment. By listening to my aspirations and asking appropriate questions he has undoubtedly left me better off in the short-term through mortgage savings. Sanjay's depth of knowledge and simplicity of explanations have left me feeling in a much more confident position that I will meet longer term financial goals with the help of his product advice and monitoring. He is also very transparent, fair and competitive in pricing for his services, and his communication is prompt and reliable.

What could they have done better?

While I would have ideally liked some detailed tax advice, Sanjay was very up front about the fact that the specific area I was keen to discuss was not his area of expertise. This isn't a point for improvement, as no-one can be a master of all trades and a major plus point was that Sanjay readily volunteered an alternative point of contact that specialises in this field. I appreciated the honesty and assistance offered in this instance, especially when I know that others may have happily taken my money without holding the appropriate specialist knowledge.

Review from verified client

January, 2014

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Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

I've known Sanjay for several years now and have always felt comfortable with the advice he provides and more importantly the way he does it. Previously advisers have seemed to have their own agenda but Sanjay was only concerned with what I wanted to achieve and how he could help make it happen. He explained things without any jargon and made sure I understood all the techy stuff before moving on in our discussions. Overall a great adviser and I'm happy to use him whenever I need advice and would also refer any friends to him without worrying about the service they'd receive.

What could they have done better?

On a professional front, not a lot, I'm happy with everything Sanjay does. On a personal front, he could do with supporting a better football team!

Review from verified client

January, 2014

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay provided me with financial advice in 2007. Since then, he has always kept in contact with me. He took time to explain everything to me in a clear manner. I would have no hesitation to recommend him to other wishing to discuss their financial arrangements.

What could they have done better?

Nothing.

Review from verified client

January, 2014

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Value

Based in Avon

How has Sanjay Badhan helped you?

We approached Sanjay for help with making my financial affairs more tax efficient as we were concerned with Inheritance Tax. Sanjay explained everything in clear English, it was easy to understand and took the time to get to know us, rather than just sell us products which is what we had experienced in the past from previous advisers. I was surprised with the value with his advice costs, as when shopping around and speaking to other advisers, I had been quoted significantly more. He maintains regular reviews of our financial affairs and takes time to get to know us. A genuine gentleman and on top very approachable with any question, even where there is nothing in it for him. He visits us in our property at our convenience and is never rushed for time, but rather takes the time needed to explain to us properly. I have complete trust in Sanjay and his abilities to deliver excellent financial planning and would always be happy to refer Sanjay to friends and family.

What could they have done better?

I cannot suggest any improvements as I am 100% delighted with the service I am already receiving. I feel it is great value for money and allows my wife and myself to enjoy our retirement knowing we have an excellent professional who is giving us quality advice relevant to our circumstances.

Review from verified client

December, 2013

Overall

Advice

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay completed my mortgage and protection policies and has always been available for any additional queries I have had both throughout and after he gave me advice. Excellent knowledge, very thorough and attentive to my needs. He has also subsequently provided pensions advice and has been of great assistance here. I felt that I could trust him to do the best for me, and having been through more than one advice process can see that I was right. I would happily recommend Sanjay to others.

What could they have done better?

Sanjay provided excellent advice and as such I can see no room for improvement.

Review from verified client

December, 2013

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Service

Value

Based in Avon

How has Sanjay Badhan helped you?

Sanjay explains everything in plain language and doesn't use jargon. He always turns up on time and texts a reminder message a few days before the appointment. I

What could they have done better?

I'm happy with the service I get so don't know anything he could do better.

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay is very conscientious, efficient and helpful and can be recommended to do the best for his clients. He gives very clear advice and is patient.

Review from verified client

November, 2013

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Value

Based in London

How has Sanjay Badhan helped you?

I have known Sanjay for many years, he has always been very knowledgeable and competent. He is extremely courteous and always delivers on his promise. Sanjay is extremely hardworking and over the years I have known him always puts his clients first. Sanjay is very good at explaining things in a manner that is easy to understand and unlike a lot of advisers takes a genuine interest and effort to keep up-to-date with current affairs effecting his clients needs. I would not hesitate to recommend Sanjay as an excellent Financial Planner to a friend or any prospective clients.

Review from verified client

November, 2013

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Hello Sanjay Badhan IS everything stated on his site and more . We've' known him for 10 years approx. initially in the Halifax and latterly as an independent I endorse ;THE ADVICE HE GIVES IS GOOD . Somehow this sounds an understatement but his advice is good! His contacts are wide as is his range of knowledge and all this he brings to your benefit tailoring products to suit your needs / aspirations . His way is easy to talk to and encouraging . He listens . Then acts Sanjay will always take time to explain , sometimes more than once (in my case ) Difficult topics are made transparent and understandable Your options are pointed out Sanjay is available on email and telephone and always replies in a courteous professional way . Charges : Sanjay Badhan will tell you all the costs , which in my opinion are lower than most and certainly reasonable but in addition he has worked to find the best financial products at a lower premium. For instance ; one finance house deals only in millions but he found how to put me on their books having only fraction of that . When you have such a consummate professional on your side working hard doing the very best for you somehow you fell protected and warm .

What could they have done better?

I refuse to answer the question " What is Sanjay's best quality " because he fulfils everything he professes in a truly professional manner

Review from verified client

November, 2013

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Based in Wiltshire

How has Sanjay Badhan helped you?

I have a great deal of financial experience, and felt comfortable dealing with someone of Sanjay's knowledge and ability. Sanjay has provided us with valuable advice as I establish myself in my own business. He took time to get to know us and our goals, and treated us like valued clients. Operating only in our interests, he is great value for money; and continues our ongoing reviews. Moheddine & Meg

Review from verified client

November, 2013

Overall

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

We first met Sanjay 7 years ago and since, Sanjay has done a great job of looking after our mortgage, protection, savings and pension planning. We consider him more so a friend now, such is our trust in him, rather than just our adviser. Sanjay was happy to meet with us at no cost and in the comfort of our own home, which was greatly appreciated as we were after someone who would want to build a long lasting relationship, not just someone to try and make money from us, as we have experienced in the past several times. We agreed during our early meetings regular updates and Sanjay has always met this commitment. He took the time needed to understand our objectives during our initial meetings and since, he has been pre-emptive in his recommendation for changes in respect of the funds we invest into and in terms of our savings and investment approach as our family and financial situations have changed and continues to change. His advice is clear and we never leave a review meeting confused or with unanswered questions. The knowledge and awareness Sanjay exemplifies during our meetings has always impressed us and we find Sanjay both credible and professional. We have advocated Sanjay for the past 7 years and will continue to do so. Sanjay takes the time to make sure that we feel like valued clients and on the rare occasion that we need to ask a question, he has always been at the end of the phone or has ensured a prompt reply to our emails. When speaking with friends and family, I have never hesitated to recommend Sanjay and will continue to do so.

What could they have done better?

We have no negative feedback or concerns for Sanjay, the level of service that has provided over the last 7 years has always met or exceeded our expectations.

Review from verified client

November, 2013

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Mr Badhan explained everything so well and even made the more complicated stuff easy to understand.sent me emails so I could review it for future reference.

What could they have done better?

I really can`t think or comment on how anything he could improve on anything.faultless appointment.

Review from verified client

May, 2013

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Value

Based in Wiltshire

How has Sanjay Badhan helped you?

Sanjay takes the time to understand my situation and factor this in to his recommendations. He is always professional and knowledgeable. The advice he gives me has worked well since I have been dealing with him and I consider it to be value for money.

What could they have done better?

I am pretty satisfied with my adviser, if anything possibly reduce costs slightly if there is any room for movement however I have not compared to other advisers and as already mentioned I do feel that the service provided is value for money as my investments have performed quite well every year.

First impression from a user who is not yet a client

April, 2013

Overall

Please provide a brief comment about your experience with Sanjay

No problems or major comments. The questions I raised were answered clearly without ambiguity