Reviewed for

Insurance and Protection ( 14 )

Mortgages ( 5 )

Pensions ( 54 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 43 )

Investments and Savings ( 49 )

Pension Transfers - Non Specialist ( 16 )

Inheritance Planning ( 22 )

Long Term Care ( 8 )

Pension Transfers - Specialist ( 9 )

Financial Planning ( 13 )

Financial Mentoring ( 4 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 12 )

£200k - £500k ( 12 )

£100k - £200k ( 9 )

Up to £50k ( 4 )

£50k - 100k ( 4 )

Client reviews

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 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 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 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 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.

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.

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

Value

Based in Devon

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

Advice on my private pension and drawdown.

How has Stephen Wales (Ripley Wales) helped you?

He explained all options open to me and gave me a personal financial review and very professional advice.

Have you seen the outcome you were hoping for?

YES.

What could they have done better?

Nothing springs to mind

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Having seen our pension savings constantly diminishing, on early retirement we had the time to consider how to redress the situation by seeking specialist advice.

How has Stephen Wales (Ripley Wales) helped you?

By looking at our personal situation and finances Stephen started investing for us, by assessing our comfort levels for 'risk' and tailoring our investments to suit those parameters.

Have you seen the outcome you were hoping for?

Instead of our investments going down, Stephen has managed to harvest the best for us during extremely turbulent times.

What could they have done better?

If he had a crystal ball to foresee market fluctuations or could have sorted out Brexit, that would have been a bonus.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Devon

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

Setting up my own business and having to provide my own pension and income protection insurances. Following an inheritance, Stephen also advised me on the various investment opportunities available.

How has Stephen Wales (Ripley Wales) helped you?

Setting out the options clearly and arranging all the relevant paperwork - invaluable. Also providing an annual review which I would never get around to organising if it was left to me!

Have you seen the outcome you were hoping for?

Yes, pension growth is steady and all contributions are index linked.

What could they have done better?

Nothing really

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Management of a personal pension

How has Stephen Wales (Ripley Wales) helped you?

He has managed my pension and income drawdown, keeping in touch regularly about decisions to be made, and making useful strategic suggestions.

Have you seen the outcome you were hoping for?

I have been looking for a 5% annual return on investment and this has been broadly achieved over time.

What could they have done better?

Stephen has been working with us for over ten years now, and it has always been possible to iron out any concerns or performance questions as we have gone along.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Devon

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

Substantial sums not being actively monitored or reviewed.

How has Stephen Wales (Ripley Wales) helped you?

Suggested various options and changes according to my risk profile plus the continued watching of funds and changes where necessary.

Have you seen the outcome you were hoping for?

Yes, continued growth with changes made when required.

What could they have done better?

From a clients point of view any advisor can always do better and charge less however overall I have been perfectly happy with the service and advice I have received.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Devon

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

Unsure of safest and most economical investment

How has Stephen Wales (Ripley Wales) helped you?

Recommended and put in place investment

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not really

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I had 2 or 3 pensions and really had no idea what to do with them. Stephen amalgamated them into one and whilst I was still at work he advised me draw down funds and start a new pension, which is what I did.

How has Stephen Wales (Ripley Wales) helped you?

Stephen has helped me very much over the years. He keeps a keen interest in the performance of the investments within the pension and advises me when he thinks we should change anything. He has dealt directly with HMRC regarding any income tax related things. He arranges an annual meeting at my home where he goes through all financial things in great detail.

Have you seen the outcome you were hoping for?

Stephen’s advising has been invaluable in the growth of my portfolio and I know that it would never have reached the present total without his help. We can all hope for more but I think that when I do start to draw from it we should have a reasonable income.

What could they have done better?

I really can’t imagine that Stephen could have done any better.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

Retirement planning

How has Stephen Wales (Ripley Wales) helped you?

Informed me of the options and provided good advice on what way to go

Have you seen the outcome you were hoping for?

Yes - my investments have out performed FTSE

What could they have done better?

Nothing

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Norfolk

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

Early retirement with company pension

How has Stephen Wales (Ripley Wales) helped you?

With good advice & well explained procedures

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing all covered

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Hertfordshire

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

In order to get help and advice on investing my pension and protecting my funds in the longer term from inheritance tax for the benefit of my family

How has Stephen Wales (Ripley Wales) helped you?

Stephen advised me on the best ways to protect my pension fund and how to plan for my desired future

Have you seen the outcome you were hoping for?

There has been continued growth in my investments throughout the years I have dealt with him in keeping my funds safe and meeting with my desired risk factors

What could they have done better?

Not much, as I think he has done an excellent job, constantly stays on top of my portfolio and is always available to discuss any matters arising.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Devon

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

We took on a mortgage quite late in life and decided to seek help to ensure we could meet the payments.

How has Stephen Wales (Ripley Wales) helped you?

He was very clear in explaining risk and assessing our attitude to risk. Clear explanations of what he recommended. Good advice regarding pensions.

Have you seen the outcome you were hoping for?

Ongoing - but yes.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in West Midlands

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

I was unexpectedly left in the position of Power of Attorney for an elderly aunt who had to go into a care home and was unable to look after her finances.

How has Stephen Wales (Ripley Wales) helped you?

He was most helpful in guiding me through the complexities of being a Power of Attorney and in relation to my aunt’s investments which are reviewed regularly.

Have you seen the outcome you were hoping for?

It is ongoing and I am confident that Stephen Wales advice can be relied on for future needs.

What could they have done better?

Nothing so far.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

I wanted in investigate the transfer of my pension and needed expert financial advice

How has Stephen Wales (Ripley Wales) helped you?

He provided the necessary specialist reports and advice I required.

Have you seen the outcome you were hoping for?

Yes definitely.

What could they have done better?

I received everything I needed.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

I have a terminal illness and I needed a financial advisor who could advise me on an enhanced pension. Stephen Wales was recommended to me.

How has Stephen Wales (Ripley Wales) helped you?

Stephen was very professional and compassionate from the very start. He explained every thing clearly and simply albeit in great detail, and made both myself and partner feel very relaxed, nothing was too much trouble for him. The transfer to the annuity which Stephen arranged was very smooth and quick. Stephen is in regular contact with me which is reassuring.

Have you seen the outcome you were hoping for?

The outcome that Stephen achieved more than exceeds the expectation.

What could they have done better?

I don't believe Stephen could have done any better.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Devon

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

As the Chairman of a fast growing company I wanted to ensure my senior managers had a good pension when they reach retirement as they currently do not and are somewhat behind where they should be in terms of building a pot. Also I wanted life insurance for their families should they be involved in an accident.

How has Stephen Wales (Ripley Wales) helped you?

Stephen visited myself and the managers and explained the benefits of various options plus what the return could be and advised at due to their current situation the best option plus also how the company could best offset the cost against tax. The result was that both my managers and the company had a win win situation accordingly everybody is very happy as all was fully explained and at no time were we put under and pressure. He was also very polite, punctual and spoke in language and with terms that were easy to understand for all.

Have you seen the outcome you were hoping for?

Although it is too early to see the growth in the investments into the pensions as yet we are all happy with the outcome that should there be an accident the families will be financially secure plus the knowledge that we as a company and my managers are now building financial security for when they retire with a flexibility to increase or decrease contributions from both the company and the managers and review annually how aggressive our investments should be.

What could they have done better?

At present have no suggestions to improve the service and advise given.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Devon

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

Knowledge on the above.

How has Stephen Wales (Ripley Wales) helped you?

Clear information, setting up pensions and protection the most efficient and cost saving way

Have you seen the outcome you were hoping for?

yes

What could they have done better?

None

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Devon

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

Retirement planning. Financial advise with second income.

How has Stephen Wales (Ripley Wales) helped you?

Assistance, advice & guidance in planning and implementing retirement savings.

Have you seen the outcome you were hoping for?

Projections look good so far. Regular updates and meetings.

What could they have done better?

Steve has been very helpful to us and is always available with advice.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Devon

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

Company Sale

How has Stephen Wales (Ripley Wales) helped you?

Strategy and multiple investments products.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I'm a extremely pleased with Steve's efforts.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Devon

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

Inheritance planning and retirement income.

How has Stephen Wales (Ripley Wales) helped you?

Face to face meetings providing careful analysis, assessment, planning, provision and review.

Have you seen the outcome you were hoping for?

We consider our portfolio to be very well managed.

What could they have done better?

We consider Stephen to provide an excellent service. He is very well informed, polite, and very interested in us as people as well as our financial requirements. It is a pleasure to work with him.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Dorset

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

Needed help with financial and tax planning.

How has Stephen Wales (Ripley Wales) helped you?

Steve introduced us to investments and tax plans we would not have found or thought of.

Have you seen the outcome you were hoping for?

Yes, all very good, we've been with Steve for almost 10 years and a re very happy with everything

What could they have done better?

Can't think of anything

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Devon

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

Lump sums of money being paid, considering retirement plans, protecting my assets.

How has Stephen Wales (Ripley Wales) helped you?

We discussed current expenditure, income from various sources, how to maintain standard. Of living and put in place investments for protection and some growth. Stephen is keen to make proposals and suggestions for consideration which can be implemented or not for future plans. He is always helpful, knowledgeable and easily contactable.

Have you seen the outcome you were hoping for?

Yes. I have certainly made changes to my investments which I would not have thought about without Stephen.

What could they have done better?

My understanding of the finance world is limited. I have absolute confidence in the explanations and advice received which relates to my circumstances.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Devon

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

wanted advice from a fully authorised financial advisor

How has Stephen Wales (Ripley Wales) helped you?

By introducing several items that suited my personal needs

Have you seen the outcome you were hoping for?

Yes , I have been very pleased with the attention to detail & complex ideas that Stephan has introduced to me

What could they have done better?

Nothing that I am aware of

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Cornwall

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

Redundancy

How has Stephen Wales (Ripley Wales) helped you?

Pension assistance.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Possibly a bit more advice on personal savings.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Gloucestershire

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

Poor financial performance of self administered surplus funds and confusion over pension and long term planning

How has Stephen Wales (Ripley Wales) helped you?

Stephen provided a clear and well structured plan, which he reviews regularly - and thoroughly, to ensure good performance.

Have you seen the outcome you were hoping for?

Yes, we have developed a sound and robust investment portfolio with Stephen's help, within an ethical framework, and one that is also flexible enough to cope with family needs as they arise.

What could they have done better?

Stephen is very clear about all the adjustments that he makes to the balance of our portfolio. He perhaps assumes a level of competence on our part that is not always as high as it should be! However, he is patient and solicitous in his explanations.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

As I have quite a few financial investments I sought expert financial advise for my investments, pension planning and inheritance planning.

How has Stephen Wales (Ripley Wales) helped you?

He was very knowledgeable and professional without any awkwardness, I immediately felt relaxed and confident that he could assist me so I chose him to look after my affairs and he has not disappointed.

Have you seen the outcome you were hoping for?

Yes I have seen my pension pot grow beyond what I had expected and when appropriate, run financial matters past him before making a final decision

What could they have done better?

I cannot think of an area that I think he could have done better

Review from verified client

November, 2018

Overall

Value

Service

Advice

Based in Devon

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

We have had a financial adviser for over 30? years,and as our last 2 advisers left all most left together, Stephen was recommended to us some years ago, by our last adviser and we have had no fault with Steph from day one, in being helpful and in keeping to his annual visit to us and being up to date with our investments etc.

How has Stephen Wales (Ripley Wales) helped you?

As I have mentioned he always keeps us up to date with our investments, good or bad and is quick to put us on the straight and narrow

Have you seen the outcome you were hoping for?

Yes my wish from day one on being made redundant, was my investments must pay the mortgage which it has do very well

What could they have done better?

Throughout the 30 years+ that we have had a F.A, Stephen has always been quick and ready to advise us with constructive ideas if the need arises.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Devon

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

Family inheritance, advice on savings and pensions.

How has Stephen Wales (Ripley Wales) helped you?

Steve set up and advised on various areas where a reasonable return would be achieved.

Have you seen the outcome you were hoping for?

Most of his predictions are looking favourable and am pleased with his advice so far. Still plenty of time to fine tune things as and when.

What could they have done better?

Steve is very approachable and explains things in everyday terms.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Devon

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

Having left my employer I was not happy to leave my pension fund with them. I was recommended to contact Stephen Wales for financial advice.

How has Stephen Wales (Ripley Wales) helped you?

Stephen went through the various options open to me, we then settled on a fund which seemed to offer the return I was looking for, my previous pension fund had performed very badly.

Have you seen the outcome you were hoping for?

The return on my fund exceeded by far my expectations. There as been a good growth over a number of years.

What could they have done better?

Taking every factor into consideration I honestly believe that the fund was in safe hands and that any other party would not have been able to improve on the out come.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Devon

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

Death of my husband who had previously dealt with all our financial matters.

How has Stephen Wales (Ripley Wales) helped you?

Reviewed my assets and requirements.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

No, Stephen Wales has given me the income and financial security I was looking for.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Shropshire

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

I have known Stephen since 2009 when I had decided to retire early and was considering combining various pensions into drawdown

How has Stephen Wales (Ripley Wales) helped you?

I can still recall Stephen’s patience in going through the options and advising of the best way to proceed with drawdown, he was always happy to consider any suggestions I made and explain pro’s and con’s. Having a rapport with an advisor when dealing with financial matters I find essential so have continued to use Stephen for advice with other investments.

Have you seen the outcome you were hoping for?

Now drawing state and small works pension the flexibility of drawdown has proved its worth in that withdrawals can be suspended until the income is needed. Drawdown has proved most suitable for my situation. Our relationship continues to be ongoing and I have valued Stephen’s contribution over the years in managing our personal finances.

What could they have done better?

Nothing, Stephen is friendly, relaxed and always has time for you.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in North Yorkshire

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

I was first introduced to Stephen about 15 years' ago when he was working for a consultancy that was handling my workplace pension at that time. I have retained his services ever since, and he has looked after me and my family's financial affairs exclusively since - seeing me go from employed, into self-employment and now into retirement.

How has Stephen Wales (Ripley Wales) helped you?

Stephen's advice has always been based of sound judgement and has been fully justified. I have always been confident in knowing that he is looking after things, especially in the turbulent times - when he was available on the end of the telephone (and I have appreciated the comfort that gives!).

Have you seen the outcome you were hoping for?

Stephen has steered me into retirement and I am confident that my (and my wife's) investments and savings will deliver us the retirement plans we have looked forward to.

What could they have done better?

I cannot think of anything that Stephen could do more for me.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Devon

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

Needed assistance and Stephen was recommended.

How has Stephen Wales (Ripley Wales) helped you?

Stephen has advised me on retirement planning and investment.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Can't think of anything more Stephen could have done.