Reviewed for
Insurance and Protection ( 15 )
Mortgages ( 5 )
Pensions ( 63 )
Equity Release ( 3 )
Retirement income (annuities, drawdown) ( 50 )
Investments and Savings ( 55 )
Pension Transfers - Non Specialist ( 18 )
Inheritance Planning ( 25 )
Long Term Care ( 10 )
Pension Transfers - Specialist ( 11 )
Financial Planning ( 21 )
Financial Mentoring ( 9 )
Financial Coaching ( 3 )
( 1 )
Reviewers' assets
£500k+ ( 14 )
£200k - £500k ( 14 )
£100k - £200k ( 9 )
£50k - 100k ( 4 )
Up to £50k ( 5 )
Client reviews
Review from verified client
September, 2024
Overall
Advice
Service
Value
Based in Somerset
What were the circumstances that caused you to initially look for an adviser?
To transfer out of a defined benefit pension.
How has Stephen Wales (Ripley Wales) helped you?
Clear advice around the level of risk that was appropriate for me when choosing an investment strategy.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
All advice and service has met my needs.
Review from verified client
August, 2024
Overall
Advice
Service
Value
Based in Essex
What were the circumstances that caused you to initially look for an adviser?
Following retirement it was necessary to have professional advice
How has Stephen Wales (Ripley Wales) helped you?
With firm guidance to various option that suited my circumstances
Have you seen the outcome you were hoping for?
The best that could have been expected with the past volatile of the financial sector
Review from verified client
July, 2024
Overall
Advice
Service
Value
Based in London
What were the circumstances that caused you to initially look for an adviser?
Retirement plans
How has Stephen Wales (Ripley Wales) helped you?
Absolutely fantastic advisor and already made my pension pot grow through his investment strategies
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing, he’s great!
Review from verified client
July, 2024
Overall
Advice
Service
Value
Based in London
What were the circumstances that caused you to initially look for an adviser?
We had multiple pensions from a range of providers and were seeking expert advice in consolidating and creating a financial plan for us to meet our long term goals.
How has Stephen Wales (Ripley Wales) helped you?
Superb advice and support, giving us complete confidence that our financial planning is taken care of.
Have you seen the outcome you were hoping for?
Exceeded our expectations.
What could they have done better?
Nothing.
Review from verified client
July, 2024
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
My previous advisor entered retirement
How has Stephen Wales (Ripley Wales) helped you?
He has managed all my affairs extremely well. he has shown great patience and understanding in areas that I did not previously understand
Have you seen the outcome you were hoping for?
yes
What could they have done better?
nothing
Review from verified client
July, 2024
Overall
Advice
Service
Value
Based in London
What were the circumstances that caused you to initially look for an adviser?
Husband recommended
How has Stephen Wales (Ripley Wales) helped you?
Consolidated my husband my pensions into a joint pension. Reviewed and advised on finances in future retirement
Have you seen the outcome you were hoping for?
Not yet for me
What could they have done better?
Nothing
Review from verified client
July, 2024
Overall
Advice
Service
Value
Based in London
What were the circumstances that caused you to initially look for an adviser?
Required help in managing financial affairs going into retirement.
How has Stephen Wales (Ripley Wales) helped you?
Portfolio advice, drawdown, tax planning, and ISAs. Managing SIPP platform.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Can’t think of anything I’m not happy with.
Review from verified client
June, 2024
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I needed assistance with pension planning
How has Stephen Wales (Ripley Wales) helped you?
Steve has set up a summary of our income, pensions and expenditure so that we can see clearly where we are financially
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Review from verified client
May, 2024
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
There were a number of aspects that we needed support with, initially it was Critical Illness cover to ensure that our business would have viable options to replace key members of staff. Soon after we needed help with pensions and support to invest in profitable portfolios.
How has Stephen Wales (Ripley Wales) helped you?
Stephen took the time to understand our requirements and implemented the solutions. We understand what we're budgeting for and short and long term investment plans are looked after.
Have you seen the outcome you were hoping for?
Yes, very much so. Everything is going in the correct direction and our plans are unfolding nicely.
Review from verified client
May, 2024
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
Having money invested for my pension
How has Stephen Wales (Ripley Wales) helped you?
Given me lots of advice? Explains things so I can understand? Takes time to listen to any of my concerns?
Have you seen the outcome you were hoping for?
Stephen is working on my options at the moment
What could they have done better?
Nothing he is absolutely brilliant
Review from verified client
May, 2024
Overall
Advice
Service
Value
Based in West Sussex
What were the circumstances that caused you to initially look for an adviser?
I can totally relate to the importance of planning for the future, especially when it comes to my family's well-being. I've been fortunate enough to have Stephen's help in this regard.
How has Stephen Wales (Ripley Wales) helped you?
Stephen has been a great help in planning for my retirement. He has assisted me in setting retirement goals, determining the amount needed, saving, and investing. Together we have created a comprehensive retirement plan that can be adjusted as needed over time.
Have you seen the outcome you were hoping for?
Stephen and his team have shown excellent communication and professionalism since the beginning. I am looking forward to the future with confidence.
What could they have done better?
I am very happy with all that has been done, our family love the card and lottery ticket at Christmas but it is never the winning ticket, They could make it a lot better by picking the winning numbers
First impression from a user who is not yet a client
March, 2024
Overall
Please provide a brief comment about your experience with Stephen
Contacted me in good time and was informative but was unable to help with my specific need.
Review from verified client
March, 2024
Overall
Advice
Service
Value
Based in Essex
What were the circumstances that caused you to initially look for an adviser?
I was looking for very quick inheritance tax advice on behalf of my parents.
How has Stephen Wales (Ripley Wales) helped you?
He was fantastic. He understood my circumstances quickly and gave excellent advice and in very clear, simple a precise manner. For quite a complicated topic, he made it very easy to understand his advice.
Have you seen the outcome you were hoping for?
Yes. Quick and effective advice.
What could they have done better?
Nothing, he was excellent, and a very nice chap as well.
First impression from a user who is not yet a client
March, 2024
Overall
Please provide a brief comment about your experience with Stephen
Stephen was extremely professional and knowledgeable. He listened to what I wanted to achieve and provided informative feedback in simple terms that I was could understand and make sound decisions regarding my finances.
First impression from a user who is not yet a client
December, 2023
Overall
Please provide a brief comment about your experience with Stephen
He is most helpful
Review from verified client
December, 2023
Overall
Advice
Service
Value
Based in Wiltshire
What were the circumstances that caused you to initially look for an adviser?
My husband’s employer referred me to the financial advisor
How has Stephen Wales (Ripley Wales) helped you?
He has helped me by guiding me through the pitfalls enabling me to continue drawing my bond, advising me to plan for the near future.
Have you seen the outcome you were hoping for?
Absolutely.
First impression from a user who is not yet a client
October, 2023
Overall
Please provide a brief comment about your experience with Stephen
He is very knowledgable and able to explain things clearly and fairly
Review from verified client
September, 2023
Overall
Advice
Service
Value
Based in Somerset
What were the circumstances that caused you to initially look for an adviser?
My previous financial advisor was retiring.
How has Stephen Wales (Ripley Wales) helped you?
He has successfully managed my investments for over a year. He explains everything very clearly, listens and understands my circumstances and requirements well. He takes the time to answer my questions and clarify the options. I find him very easy to deal with.
Have you seen the outcome you were hoping for?
At a time of market volatility my investments have seen a slight rise
Review from verified client
August, 2023
Overall
Advice
Service
Value
Based in London
What were the circumstances that caused you to initially look for an adviser?
Previous adviser retired.
How has Stephen Wales (Ripley Wales) helped you?
He has taken over from previous adviser and has provided and excellent service so far to try to ensure our long term financial goals can be met.
Have you seen the outcome you were hoping for?
So far yes.
First impression from a user who is not yet a client
August, 2023
Overall
Please provide a brief comment about your experience with Stephen
This didn’t happen as I didn’t receive any call Delia Farr
Review from verified client
July, 2023
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
Retirement of existing financial advisor.
How has Stephen Wales (Ripley Wales) helped you?
Fully understanding my financial position having been briefed from previous financial advisor.
Have you seen the outcome you were hoping for?
Generally yes although have only been with Stephen Wales for between one and two years.
What could they have done better?
N/A
Review from verified client
July, 2023
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
Due to my retirement, investment of my pension fund and general help and financial advice.
How has Stephen Wales (Ripley Wales) helped you?
Invested my pension fund, advice and guidance on drawdown, annuities, help and guidance on income tax and keeping us generally well informed
Have you seen the outcome you were hoping for?
We are pretty confident that our pension is in good hands and we're very happy with the outcome
What could they have done better?
I don't know
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
I worked overseas for many years and needed to invest my pension on return to the UK.
How has Stephen Wales (Ripley Wales) helped you?
Stephen has been very helpful. He is very personable, trustworthy and shows a detailed knowledge of the markets.
Have you seen the outcome you were hoping for?
Yes, we have done well in difficult times.
What could they have done better?
Very little.
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
To advise and help us prepare for retirement.
How has Stephen Wales (Ripley Wales) helped you?
When we were able Stephen helped us with the release of cab lump sum and set up an annuity.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
He has been very helpful can’t fault him .
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Hampshire
What were the circumstances that caused you to initially look for an adviser?
Transferring Your pension pot requires a financial adviser
How has Stephen Wales (Ripley Wales) helped you?
A charming and engaging individual who listened to my needs and more than delivered on own expectations. Would have no hesitation in recommending him to anyone.
Have you seen the outcome you were hoping for?
Yes more than pleasantly surprised.
What could they have done better?
Nothing more than exceeded my expectations .
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
Making investments
How has Stephen Wales (Ripley Wales) helped you?
Looking after my investment and being excellent at keeping me informed with changes in the market.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing as far as I can see.
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
Life Insurance required against new property
How has Stephen Wales (Ripley Wales) helped you?
Easily contactable and thorough throughout the process from start to finish
Have you seen the outcome you were hoping for?
Absolutely
What could they have done better?
N/A
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I was retiring and needed expert advice on combining pensions, setting up an annuity and ensuring minimum taxation on my pension earnings.
How has Stephen Wales (Ripley Wales) helped you?
Stephen has undertaken several Meetings to cover all my concerns and provided information, advice and hard copies.
Have you seen the outcome you were hoping for?
Indeed! It has taken Stephen a while to pull together some reluctant pension companies, but he has kept me constantly updated with details.
What could they have done better?
Nothing!
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Oxfordshire
What were the circumstances that caused you to initially look for an adviser?
We needed specialist advice on the management of our investment portfolio following the retirement of our previous adviser. He also manages other close family members who recommended him
How has Stephen Wales (Ripley Wales) helped you?
He has been proactive in the management of our funds to ensure we have the best returns and balance of investments.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Probably not.
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I had to sort a pension transfer as part of my divorce. But Stephen had been an advisor to our company and that was how I knew of him.
How has Stephen Wales (Ripley Wales) helped you?
Initially I called Stephen asking about pensions when negotiating my financial order as part of the divorce. Stephen had several conversations with me and gave me general advice free of charge. So when the pension sharing order came through I did not hesitate to contact him to help.
Have you seen the outcome you were hoping for?
Absolutely and more. I had thought just about the pension transfer but he went through all of my finances and insurances with me. He worked out shortfalls and areas to consider as I am now a single parent with a mortgage and children to take care of. Very pleased and feel relieved.
What could they have done better?
Nothing
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Cornwall
What were the circumstances that caused you to initially look for an adviser?
Retirement
How has Stephen Wales (Ripley Wales) helped you?
Was able to find out whether I could afford to retire.
Have you seen the outcome you were hoping for?
Yes
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Berkshire
What were the circumstances that caused you to initially look for an adviser?
I was approaching pensionable age and had a variety of pensions and I also wanted to use as much money as possible out of my company to go into a pension.
How has Stephen Wales (Ripley Wales) helped you?
He looked at all my pensions, identifying which should be kept as is, which should be transferred out and which I should take the money out of. He looked at all my current and expected future expenses with me, plus my aspirations for expenditure at retirement and calculated what I needed to invest and when I could afford to retire. My propensity for risk, plus my desire to utilise the most tax efficient route to save, were also taken into account.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
I cannot think of anything that could have been done better.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Cornwall
What were the circumstances that caused you to initially look for an adviser?
The need to consolidate a number of pensions and guidance on retirement and investments
How has Stephen Wales (Ripley Wales) helped you?
Steve has handled our pensions and provided investment guidance such that we could retire happily
Have you seen the outcome you were hoping for?
yes, very much so.
What could they have done better?
not much. The relationship has worked very well
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
Talking to a friend about my finances and he recommended Stephen, so I picked up the phone.
How has Stephen Wales (Ripley Wales) helped you?
Great advice and guidance to get the most out of my pensions, protection and investments.
Have you seen the outcome you were hoping for?
Yes, but as i am only 45 it is a longer strategy
What could they have done better?
nothing as far as i am aware.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Sussex
What were the circumstances that caused you to initially look for an adviser?
In order to facilitate a drawdown pension. The company who Steven worked for then recommended that he was their expert in pensions.
How has Stephen Wales (Ripley Wales) helped you?
His advice has seen me achieve the growth in my pension fund over the years and sound advice for the future of my finances,
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
nothing I can think of.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I initially contacted Stephen for advice on a DB company pension.
How has Stephen Wales (Ripley Wales) helped you?
He gave me excellent advice on my pension options for me to consider my decision.
Have you seen the outcome you were hoping for?
Yes I understood that the markets will fluctuate and and have improved lately as per his advice
What could they have done better?
Nothing excellent.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
Initially I contacted Stephen for advice for future planning for retirement regarding my pension investments.
How has Stephen Wales (Ripley Wales) helped you?
Stephen is very informative and professional with all his advice and inspired a lot of confidence in me
Have you seen the outcome you were hoping for?
Yes all my future retirement planning is all in place.
What could they have done better?
Nothing
First impression from a user who is not yet a client
December, 2022
Overall
Please provide a brief comment about your experience with Stephen
I am very impressed with the service Stephen has provided. He is clearly very passionate about what he does and finding the best possible solution for his clients.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I needed to allocate savings for the longer term and tax efficiently build towards retirement.
How has Stephen Wales (Ripley Wales) helped you?
We have explored and utilised various options to build income generators and robust longer- term returns.
Have you seen the outcome you were hoping for?
Absolutely, very happy so far.
What could they have done better?
Nothing in my opinion.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I was seeking the advice of a financial adviser because I wanted to merge my two pension plans into one.
How has Stephen Wales (Ripley Wales) helped you?
Steve provided expert guidance on the best way to combine my two plans in order to maximize their potential for growth and maximize the benefits I would receive in the future. He took the time to clearly explain the pension transfer process and the reasoning behind the new portfolio he recommended.
Have you seen the outcome you were hoping for?
I am pleased to say that this new portfolio is already generating increasing returns on my investment.
What could they have done better?
I have been extremely satisfied with the service provided by Steve and his team.
Review from verified client
November, 2022
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
I needed ongoing pension management assistance.
How has Stephen Wales (Ripley Wales) helped you?
Managing pension and exploring full retirement through other income streams and cash flow analysis.
Have you seen the outcome you were hoping for?
Yes, absolutely.
What could they have done better?
Not in my opinion.
Review from verified client
August, 2022
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
To grow my pension fund.
How has Stephen Wales (Ripley Wales) helped you?
Has helped me to ensure I will have enough income in my older age.
Have you seen the outcome you were hoping for?
We are on target.
What could they have done better?
Hard to think of anything else that could be done better.
First impression from a user who is not yet a client
February, 2022
Overall
Please provide a brief comment about your experience with Stephen
Stephen contacted me within 24 hours of my enquiry through vouchedfor.co.uk and was thoroughly courteous, knowledgeable and professional from the outset.
Review from verified client
November, 2021
Overall
Advice
Service
Value
Based in West Sussex
What were the circumstances that caused you to initially look for an adviser?
Trans fer of avc
How has Stephen Wales (Ripley Wales) helped you?
Investing my pension pot
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
First impression from a user who is not yet a client
November, 2021
Overall
Please provide a brief comment about your experience with Stephen
Stephen has been my financial adviser for several years now and I have always found him to be polite and professional. I would not hesitate to recommend Stephen to any of my friends or family if they required financial advice.
Review from verified client
November, 2021
Overall
Advice
Service
Value
Based in Dorset
What were the circumstances that caused you to initially look for an adviser?
Pensions and financial planning advice
How has Stephen Wales (Ripley Wales) helped you?
Proposed various options after a detailed risk assessment
Have you seen the outcome you were hoping for?
Yes but always keen to ensure everything is on track or an improvement to the financial plan, so being proactive is essential.
Review from verified client
November, 2021
Overall
Advice
Service
Value
Based in Bristol
What were the circumstances that caused you to initially look for an adviser?
I am due to retire over the next few years and I required a financial adviser to help consolidate my pensions, cash and assets
How has Stephen Wales (Ripley Wales) helped you?
Stephen took the time to fully understand my individual requirements, then laid out a detailed plan to move forward
Have you seen the outcome you were hoping for?
I am very pleased with the progress and the excellent advice, I wish that I had sought his advice a few years earlier
What could they have done better?
I dont believe stephen could have done better, he understood my requirements and guided me through every process
Review from verified client
November, 2021
Overall
Advice
Service
Value
Based in East Sussex
What were the circumstances that caused you to initially look for an adviser?
I was looking to start my pension and wealth planning for the future.
How has Stephen Wales (Ripley Wales) helped you?
Steve did a great assessment on risk and a gained a detailed understanding of my goals and set a course accordingly.
Have you seen the outcome you were hoping for?
More than!
What could they have done better?
Absolutely nothing. I cannot even keep on top of the ground he has covered on my behalf, let alone knowing what else he could possibly do!
Review from verified client
November, 2021
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
We were planning to move from the accumulation phase to drawing on pension savings & investments and wanted to move into semi retirement and working less. We needed a strategic review of our portfolios to give us the confidence to do this and consolidation & restructuring to a more appropriate risk profile for this next fun stage of life.
How has Stephen Wales (Ripley Wales) helped you?
Firstly by looking at our savings and pensions in the round and projecting the long term cash flow which gave us the confidence that we could afford to retire early. Secondly by bringing together our pension savings and simplifying them in funds of an appropriate risk level. Steve also gives us a sounding board for ideas and productive debate over financial matters as we have transitioned from full time work to semi-retirement/retirement.
Have you seen the outcome you were hoping for?
Absolutely!
What could they have done better?
It's all been very good.
First impression from a user who is not yet a client
November, 2021
Overall
Please provide a brief comment about your experience with Stephen
Excellent and knowledgable professional.
Review from verified client
November, 2021
Overall
Advice
Service
Value
Based in Hampshire
What were the circumstances that caused you to initially look for an adviser?
I was looking for specialist advice in relation to a final salary pension scheme and additional money purchase schemes for my wife and I.
How has Stephen Wales (Ripley Wales) helped you?
Stephen was professional, knowledgeable and took the time to understand our needs. Stephen was referred to me by another IFA as my requirements were more complex. His advice was outstanding. I cannot thank him enough for his guidance.
Have you seen the outcome you were hoping for?
Absolutely, yes.
What could they have done better?
Nothing.
Review from verified client
October, 2021
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
We needed a professional to overlook our investments to create an income.
How has Stephen Wales (Ripley Wales) helped you?
We have been able to maintain our mortgage payments with capital in tact which has been very advantageous.
Have you seen the outcome you were hoping for?
Definitely.
What could they have done better?
Nothing of note.
Review from verified client
June, 2021
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
Sold my co.
How has Stephen Wales (Ripley Wales) helped you?
Good advice, sound planning.
Have you seen the outcome you were hoping for?
Yes.
Review from verified client
April, 2021
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
General financial advice and planning for the future
How has Stephen Wales (Ripley Wales) helped you?
Stephen gave me his time to help choose the best options for me going forward and to help plan for down the line
Have you seen the outcome you were hoping for?
So far so good. In fact better than that. The progress gives you comfort and I know I'm in good hands
What could they have done better?
Stephen and Charlotte have always given me excellent service. I have zero complaints.
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in Cornwall
What were the circumstances that caused you to initially look for an adviser?
I had reason to release my company pension earlier than my official retirement age. Legally this required professional advice & I had seen several reputable companies but was not entirely happy with any of them.
How has Stephen Wales (Ripley Wales) helped you?
Steve showed me what was possible, what I needed to do to achieve this and a likely outcome. He pointed out the possible high's and the low's. While I was hoping it would be all high's, the arrival of the coronavirus had a dramatic and almost immediate impact on my pension fund. He re-assured me that the investments were a long term project and that low's were to be expected and needed too be weathered and he was right.
Have you seen the outcome you were hoping for?
I took his advice, followed his recommendations to the letter and I now have control over my pension finances that I never had before. Subsequent to this, I have been able to make future plans based on a sustainable pension. This makes for a far more relaxed future than I'd envisaged before meeting Steve.
What could they have done better?
Well he could move his office closer but think that's just me being selfish!
Review from verified client
November, 2020
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I wanted to upgrade my critical illness and income protection covers incase the worse was to happen to ensure my wife and children would always be comfortable
How has Stephen Wales (Ripley Wales) helped you?
Recommended through a reliable friend
Have you seen the outcome you were hoping for?
100%. Our protection is 1000 times more comprehensive for only only a small increase in our monthly outgoings
What could they have done better?
Offered me a coffee on arrival ?
Review from verified client
November, 2020
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
General guidance on my options
How has Stephen Wales (Ripley Wales) helped you?
Steve's expert knowledge prevented me from taking poor decisions. He was careful to take account of aspects I had not even considered and offered me sensible options. At all times he was professional, friendly, patient and explained everything in clear and simple language.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing. A*
Review from verified client
October, 2020
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
It was required by pension company.
How has Stephen Wales (Ripley Wales) helped you?
Accurate information and guidance.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Review from verified client
October, 2020
Overall
Advice
Service
Value
Based in Bute
What were the circumstances that caused you to initially look for an adviser?
I have a personal Pension and a SIPP. I needed the help of a professional in order to ensure that a reasonable income from investments was maintained.
How has Stephen Wales (Ripley Wales) helped you?
He took over the management of my pension funds which had hardly been 'managed' at all by my previous financial adviser. He explained clearly his objective which was to maintain growth in line with the FTSE100 or better.
Have you seen the outcome you were hoping for?
Yes, I have broadly maintained the level of my investment while still taking an income. There have been times when Steve has suggested that I reduce my income in order to maintain capital but this was because of slower growth of my portfolio - based on an agreed level of risk in a difficult economic climate - and not for any other reason. After 10 years of working with Steve, I haven't had any nasty surprises and I feel confident with the advice that he has given to me.
What could they have done better?
I find it difficult to think of anything that would have been better. In the past, I have had some suggestions which have been taken on board but as Steve's business grows, he just gets better. He has always been very professional in his approach.
Review from verified client
August, 2020
Overall
Advice
Service
Value
Based in Outside UK
What were the circumstances that caused you to initially look for an adviser?
I needed advice on splitting my pensions during divorce process.
How has Stephen Wales (Ripley Wales) helped you?
Stephen provided expert guidance given on splitting pensions during my divorce process. He undertook the task of arranging the split and also advised on investing in a pension account and set that up for me. Following this, Stephen taught me the importance of saving more towards retirement and how to invest using a platform. This totally transformed my outlook on saving money and growing it, so much so that it is now a passion and (lucrative!) hobby too.
Have you seen the outcome you were hoping for?
The outcome was that the pension split was satisfactorily settled but more than that, the advice on retirement planning (which was unsolicited and given to me as friendly advice only) has been invaluable. Stephen far exceeded my original expectations and I am forever grateful for that. He is most attentive, even on what must seem like trivial matters to him, and never fails to respond to my communications.
What could they have done better?
I cannot think anything that Stephen could have done better.
Review from verified client
July, 2020
Overall
Advice
Service
Value
Based in Cornwall
What were the circumstances that caused you to initially look for an adviser?
Inheritance
How has Stephen Wales (Ripley Wales) helped you?
Advice on planning and management. Drawing an income and preserving most of inheritance for future intentions.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
We have been satisfied with his services.
Review from verified client
June, 2020
Overall
Advice
Service
Value
Based in Tyne and Wear
What were the circumstances that caused you to initially look for an adviser?
Advice on my company pension.
How has Stephen Wales (Ripley Wales) helped you?
Stephen has kept in touch with me regularly and we also review where I am each year so that adjustments can be made if I require them. He is available for advice when ever I contact him. He is able to explain in layman's terms what is going on with my pension and what it means for me and the future.
Have you seen the outcome you were hoping for?
Yes. I am pleased with the advice I am given regarding my pension plan.
What could they have done better?
Not sure there is one. He contacts me if I have not contacted him and we have a good open conversation.
Review from verified client
April, 2020
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I had money to invest for my retirement, and inheritance tax planning.
How has Stephen Wales (Ripley Wales) helped you?
Suggested suitable schemes
Have you seen the outcome you were hoping for?
yes
Review from verified client
March, 2020
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I found a pension that I had forgotten about and wanted to put it in my sipp
How has Stephen Wales (Ripley Wales) helped you?
He did what I asked and put the pension into my sipp. I then asked him for further advice about drawdown.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing. He is knowledgable and straight which in my experience is pretty rare.
First impression from a user who is not yet a client
March, 2020
Overall
Please provide a brief comment about your experience with Stephen
Stephen took plenty of time to find out what I was trying to achieve and I feel I have been able to make a good decision based on his advice.
Review from verified client
December, 2019
Overall
Advice
Service
Value
Based in Cumbria
What were the circumstances that caused you to initially look for an adviser?
Retirement with a good sized nest egg requiring long term investment and control
How has Stephen Wales (Ripley Wales) helped you?
Steve Wales Financial Planning has looked after our finances now for over ten years and we feel more than qualified, on that basis, to unreservedly recommend his services. Under his care our finances have flourished, despite some rather uncertain financial times, and he has kept a firm grip on the growth of our retirement investment. Always approachable, and personable he, nevertheless, gives his best advise regardless or what we may like to hear! A growing business we know we can totally rely upon.
Have you seen the outcome you were hoping for?
Yes, our finances have grown despite our monthly withdrawals which are not inconsiderable.
What could they have done better?
We are more than satisfied with the service and attention we get.
Review from verified client
November, 2019
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
I had an offer of a Cash Equivalent Transfer Value from one of my pensions
How has Stephen Wales (Ripley Wales) helped you?
To review if it was advisable in my situation to take the CETV and invest in a SIPP
Have you seen the outcome you were hoping for?
Yes, I decided to take the CETV and invest it in a SIPP
What could they have done better?
Nothing I can think off.
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in Lancashire
What were the circumstances that caused you to initially look for an adviser?
My financial planning needed a total overhaul.
How has Stephen Wales (Ripley Wales) helped you?
Stephen has provided excellent advice in which I feel very confident.
Have you seen the outcome you were hoping for?
One investment in particular has provided an excellent monthly income whilst retaining the original value of the investment.
What could they have done better?
I am very satisfied with the advice and service Stephen has provided. Regular reviews and updates are very useful and are never rushed. Stephen is never to busy to answer questions or discuss relevant matters.
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
Required pension advice and guidance.
How has Stephen Wales (Ripley Wales) helped you?
Stephen has provided excellent professional advice.
Have you seen the outcome you were hoping for?
We are pleased with the progress so far in relation to our pension investments.
What could they have done better?
Stephen is very patient and professional. He is very knowledgeable regarding investments and current market trends, all we can say is carry on the great work.
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
Whilst I am a regulated Financial Adviser I needed someone I could trust for defined benefits transfer advice which I am not licensed for
How has Stephen Wales (Ripley Wales) helped you?
By providing first rate quality advice and fully informed at every stage
Have you seen the outcome you were hoping for?
Yes - better than expected
What could they have done better?
100% happy with the service
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in Cornwall
What were the circumstances that caused you to initially look for an adviser?
Pension planning
How has Stephen Wales (Ripley Wales) helped you?
Advice and organising the policies
Have you seen the outcome you were hoping for?
Yes
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in Devon
What were the circumstances that caused you to initially look for an adviser?
After my divorce i was in need of professional advice on investing my money for the future.
How has Stephen Wales (Ripley Wales) helped you?
By talking through my financial needs. Advising and setting up a pension plan for me.
Have you seen the outcome you were hoping for?
Yes very much so. Its been in place for 7 years now and i am very pleased with my private pensions performance.
What could they have done better?
Nothing. Stephen has been very professional and good at his job.
Review from verified client
October, 2019
Overall
Advice
Service