Reviewed for

Insurance and Protection ( 42 )

Mortgages ( 15 )

Pensions ( 109 )

Equity Release ( 7 )

Retirement income (annuities, drawdown) ( 26 )

Investments and Savings ( 94 )

Pension Transfers - Non Specialist ( 27 )

Inheritance Planning ( 6 )

Long Term Care ( 2 )

Pension Transfers - Specialist ( 17 )

Financial Planning ( 20 )

Financial Mentoring ( 2 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 18 )

£200k - £500k ( 19 )

£100k - £200k ( 13 )

£50k - 100k ( 14 )

Up to £50k ( 14 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Middlesex

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

I needed investment advice, pension and ISA advise. Needed the best way to consolidate the various pots and maxamise there potential.

How has Daniel Karim helped you?

Daniel has been very diligent and forward thinking in how to get the best out of my portfolio. He has made the whole process incredibly easy, explained everything in terms I can understand.

Have you seen the outcome you were hoping for?

Given the global problems we have seen over the past 5/6 years, yes I would say I have seen the outcome I was hoping for.

What could they have done better?

Nothing comes to mind.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

Pension advice

How has Daniel Karim helped you?

Provided clear and practical advice regarding our pension fund. Daniel’s accessibility and willingness to address inquiries has been commendable. Without hesitation I endorse Daniel Karim to those seeking knowledgeable and dedicated financial advisory services.

Have you seen the outcome you were hoping for?

Extremely happy with the outcome and looking forward to many more years working with Daniel.

What could they have done better?

N/A

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

Pension and investment advice.

How has Daniel Karim helped you?

I have been working with Daniel for a while now and I have to say I’m really impressed. He has helped me navigate through many pension/financial decisions and has always provided sound advice tailored to my specific needs and goals.

Have you seen the outcome you were hoping for?

I have been more than happy with the results especially considering the instability across the globe.

What could they have done better?

Nothing comes to mind.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

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

We needed assistance in choosing the right investments for our long term future

How has Daniel Karim helped you?

He has advised on investment plans that have provided good returns

Have you seen the outcome you were hoping for?

To date the investments have been growing well and pleased with the returns

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

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

I needed advise on consolidation of pension pots and investment advice including isa transfers.

How has Daniel Karim helped you?

There’s the advice and peace of mind on other things, including the regular reviews and adjustments where necessary, cashflow modelling etc

Have you seen the outcome you were hoping for?

We’re still on the medium to long term journey, but our results to date are excellent, despite global turbulence.

Daniel's reply

It's always been and is always great to be helping you and the family. Look how far we've come since starting our journey and what a very significantly upwards positive journey we're having!

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in London

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

I was seeking professional advice regarding investing and pensions.

How has Daniel Karim helped you?

Daniel has been keeping an eye on my investments and advising on the options best suited to my situation.

Have you seen the outcome you were hoping for?

Yes.

Daniel's reply

Thank you for your kind review. It's always a pleasure to help you with your plans, goals, investment and personal financial strategies. It's also very pleasing to be helping you to get those good results!

First impression from a user who is not yet a client

March, 2024

Overall

Please provide a brief comment about your experience with Daniel

Daniel was brilliant to speak to, I have no knowledge when it comes to financial matters and he was very knowledgeable and patient taking me through everything. He was very friendly and personable during our call. Looking forward to becoming a client and having a long and successful relationship

Daniel's reply

Many thanks for your fabulous, very kind and thoughtful review. Very much appreciated! We had a great meeting, getting on very well, which is hugely important. I too look forwards to a long and successful, positive partnership.

First impression from a user who is not yet a client

February, 2024

Overall

Please provide a brief comment about your experience with Daniel

My initial consultation with seeing a financial adviser had been very pleasant and informative. Daniel has helped us to understand all the priorities for our future financial planning.

First impression from a user who is not yet a client

February, 2024

Overall

Please provide a brief comment about your experience with Daniel

Daniel has been wonderful to deal with. He has given us clear, detailed advice and stuck with us patiently when a series of life events made us uncommunicative for many months. He is not only clearly a highly professional adviser but also a kind and friendly human which makes dealing with dry facts and figures so much easier. He has been great at explaining financial concepts in lay terms to me and my elderly father. We are deeply grateful for his attentive help and skill.

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Daniel

We found Daniel a very professional advisor who listen carefully to our needs and communicate very clearly about all aspects of our financial planning.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Kent

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

Need to review existing pensions and investments

How has Daniel Karim helped you?

Review of our requirements and presenting solutions, followed by technical help with portal issues.

Have you seen the outcome you were hoping for?

Just the start, but good so far

What could they have done better?

Maybe (but this is general, not specific to Daniel), provided specific personal and corporate references. We did our own due diligence, but this would also have been helpful.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Kent

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

We were dissatisfied with our current SIPP arrangements and felt that we needed a family adviser as we came up to retirement.

How has Daniel Karim helped you?

Daniel proved a patient guide through the transfer and investment process. When a difficulty arose on the transfer in one of our two accounts (which was not Daniel's fault) he provided effective and fast support in correcting the problem.

Have you seen the outcome you were hoping for?

Yes. We have seen our SIPPs satisfactorily transferred and we are now reviewing our life insurance cover.

What could they have done better?

Nothing

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Daniel

In an introductory conversation about the possibility of financial advice for a charity of which I am a trustee, Daniel showed himself to be smart, charming and attentive. He'd also done his homework ahead of time and ensured he was informed about the governance of our charity. Following the conversation he took plenty of time to read and understand our investment policy and showed an impressive level of analysis in interpreting it, summarising it back to me and applying it to a potential way forward for the structure of investment advice.

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Daniel

My husband and I needed help on how best to use our pension pot. Daniel Is very easy to talk to and is very knowledgeable and professional. I am confident he will be able to help us with the next important stages and plans.

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Daniel

First impressions are very encouraging, obviously knows his business and most importantly can explain it so you can understand the basics as well. Making decisions about taking your retirement pension needs to be shared I think with someone you think is knowledgeable and someone you can trust Daniel so far has ticked all the boxes ,and I hope we continue to work together for the foreseeable future .

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very pleasant and easy to get along with, and he gave us a lot of time to ensure he was knowledgeable with regards to our financial situation and our future plans. He responded promptly both in the first instance and after our initial meeting, providing lots of key information and giving us things to think about and work on.

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Daniel

Daniel made me feel totally at ease within minutes.. He clearly explained his role as an independent financial adviser and how we would work together to achieve my goal of retiring in five years time. Daniel was able to reassure me that my pension funds and my future income could be sufficient for this to become a reality - I look forward to working with him.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Kent

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

I was looking to speak to an advisor around my upcoming retirement and pensions arrangements

How has Daniel Karim helped you?

Daniel has made the whole process easy and he has explained everything in terms that I can understand. He has excelled over my original enquiry.

Have you seen the outcome you were hoping for?

Yes, not only did Daniel provide excellent assistance with my pensions advice he also pointed me in the best use of my money in investments and savings

What could they have done better?

Nothing, everything was perfect

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Somerset

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

To manage my inheritance

How has Daniel Karim helped you?

Plan for my future lifestyle and anticipate ad hoc needs

Have you seen the outcome you were hoping for?

Yes so far so good

What could they have done better?

No.

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Daniel

Good initial consultation with Daniel, professional, friendly and pleasant to work with.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Kent

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

Initially we sought Daniel's advice about pensions.

How has Daniel Karim helped you?

He helped gather financial information on our behalf by contacting multiple organisations and securing financial information.

Have you seen the outcome you were hoping for?

Yes. We now have a clearer view of our financial future.

What could they have done better?

None that I can think of.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in East Sussex

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

To consider the best way to use my personal pension and to consider an enhanced pension

How has Daniel Karim helped you?

Daniel has been patient and kind and has striven to get the best outcome for my personal pension money.

Have you seen the outcome you were hoping for?

Yes, definitely.

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with Daniel

This was a long drawn out process because of our own indecision but Daniel remained patient and supportive throughout. We are now a client and currently completing the processes required to implement what we consider to be sound and sensible advice in our current situation. Daniel has been extremely good at answering very specific questions about risk and process and in producing a solution that seems to us highly suitable.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in London

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

I had various pensions that I wanted to amalgamate.

How has Daniel Karim helped you?

His overall advice and knowledge. Peace of mind.

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, 2023

Overall

Advice

Service

Value

Based in Kent

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

My personal pension was due to mature next March - when I am 60 - and I needed advice as to the next step. The company that I had been paying in to seemed to be offering a very low annual pension and so I wanted to see if there was anything better out there!

How has Daniel Karim helped you?

He has guided me through the whole process of annuities, speaking in crystal clear language (no trying to “baffle me with science”) and has really looked at what is best for me. Thanks to Daniel’s advice, I have taken the pension earlier than originally planned and will get a better return because of this.

Have you seen the outcome you were hoping for?

Yes. Thanks to Daniel’s efforts, my pension is now far higher than the initial projections.

What could they have done better?

I really don’t think that the service that Daniel offered and the work that he has done could have been bettered!

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Kent

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

Personal pension was maturing so needed advice about what to do with it.

How has Daniel Karim helped you?

See above.

Have you seen the outcome you were hoping for?

Yes, Daniel has found a pension provider with a very pleasing annuity.

What could they have done better?

Nothing really. He always listened carefully. He provided us with many options and things to think about but accepted our decisions.

First impression from a user who is not yet a client

July, 2023

Overall

Please provide a brief comment about your experience with Daniel

Daniel is very personable and has a solid background in Finance. He is happy to answer any questions and helped me understand aspects of tax and pensions which had baffled me. It's definitely worth having a consultation with him.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in East Sussex

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

Pension advice

How has Daniel Karim helped you?

Has worked diligently to consolidate all my pension pots and provided clear advice on fund to invest in

Have you seen the outcome you were hoping for?

Have consolidated all my pots and looking forward to future growth in selected fund

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Surrey

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

Daniel has been advising me for nearly 2 years now, following an initial approach to consolidate a diverse pension portfolio into a a better performing fund matched to my circumstances.

How has Daniel Karim helped you?

Daniel has been a fantastic help and mentor, not just in achieving the objectives we initially scoped (not withstanding current market conditions, but there's literally no accounting for that!) but in feeding my knowledge and coaching my understanding of the tangled web of retirement investments. The journey to date has seen my attitude to risk change as I have become more hobbyist under Daniels patient and knowledgeable tutelage, resulting in Daniel reassessing this and advised accordingly. Daniel has also been brilliant in advising/actioning on additional historical pensions which have surfaced along the way.

Have you seen the outcome you were hoping for?

The original outcome has been achieved insofar as consolidation and setting up into an appropriate new fund. Expectations have been exceeded by Daniel going above and beyond to explain some of the financial basics and capture my enthusiasm for this hitherto impenetrable subject. Whilst the aspiration is for fantastic performance, growth, riches, early retirement and a life of luxury, the markets sometimes have other ideas in the shorter term.

What could they have done better?

Daniel has been brilliant. Only improvable with the aid of a crystal ball!

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Kent

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

Daniel is helping us understand our options so that we can make informed decisions about when we stop working, or take a step back from my current working life so I get more of work life balance.

How has Daniel Karim helped you?

The work Daniel has done for us in consolidating pensions and savings means that we have better handle on our situation and can make informed decisions for the future. He has been on hand to talk to me as my circumstances change.

Have you seen the outcome you were hoping for?

It’s been tricky for the markets, but Daniel has always been on hand to give advice and also about where best to invest. As a more risk adverse investor he manages my expectations well.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Kent

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

I wanted to consolidate pension pots after a job move

How has Daniel Karim helped you?

Identified changes in fund costs and identified the best course of investment action at this time. Encouraged me to consider my risk appetite and future desired outcome at the point of retirement.

Have you seen the outcome you were hoping for?

Early days but broadly seems to be achieving it in terms of return. I would like a fund that would take a little more risk.

What could they have done better?

Fund chosen was slightly more risk averse than my risk appetite but we are going to review that.

First impression from a user who is not yet a client

May, 2023

Overall

Please provide a brief comment about your experience with Daniel

My initial conversation with Daniel was very good. His advice was appropriate to my situation and incredibly helpful. I felt comfortable with him which allowed the conversation to be beneficial. His focus was on my needs and ambition, rather than any particular solution.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Kent

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

As stated before i had several small pensions and investments etc and needed advice/help to collate them all together - not only did Daniel do this (which took some time) he also recommended i transferred the sum into one fund managed by Ascentric which has proved to be very good advice.

How has Daniel Karim helped you?

As previously stated getting all my various pension and payment plans into one fund managed by Ascentric (now M&G Wealth), advising me to change my critical illness and death policies as well as advising me on strategic tax planning etc.

Have you seen the outcome you were hoping for?

its going in the right direction which is very good considering the global ups and downs - i did panic at one stage and contacted Daniel who re-assured me to sit tight and all would be good in the long term which again was good advice - esepcially when you see what happened to people who invested badly in Amazon, Google and Tesla etc. Overall i am very happy with Daniels recommendations and confident my original goals will be met.

What could they have done better?

I do not feel there is anything Daniel could have done better.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with Daniel

I was looking at ways to better structure my finances and pensions after the death of my husband. Daniel is very easy to talk to, he asked a lot of questions and took the time to understand my situation, freely giving advice on a number of options available to me. After our initial telephone conversation, Daniel followed up with a comprehensive outline plan which has helped me focus on what I need to resolve. I now feel reassured that with his expertise and guidance my finances will be in safe hands, and I look forward to working with him in the future.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Kent

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

To reinvest a dormant pension

How has Daniel Karim helped you?

Daniel has helped me to understand the value of my product and hopefully we will see this grow.

Have you seen the outcome you were hoping for?

No, but this is indicative of the current market. This is a long term investment so I understand that this will change.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with Daniel

We had an initial chat with Daniel and explained what I was looking for from my pension. Daniel was very knowledgeable, clear and gave us a lot of information to think about. He didn’t have a “set patter”, he really listened to us and answered our questions.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very personable and engaging. He understood our financial concerns and was very helpful in advising us on the next steps we need to take. We look forward to working with Daniel in achieving these.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with Daniel

My initial meeting with Daniel was detailed and comprehensive - he took plenty of time to go through my situation and came up with a number of initial , helpful pieces of advice. His responses since then have been both timely and informative and I feel confident he understands the position I am in. Thank you Daniel, for taking the time.

First impression from a user who is not yet a client

March, 2023

Overall

Please provide a brief comment about your experience with Daniel

Extremely happy with the service that Daniel provided. On the complementary initial chat he gave me some amazing free advice to help me save money before the financial year end. It was only a few days before the deadline and he went out of his way to help. I am very grateful for his support and really looking forward to continue working with him.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Middlesex

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

I had several lump sums of money and a pension. All of which I needed to work harder financially. Daniel came highly recommended by a friend. I have never looked back since.

How has Daniel Karim helped you?

Daniel has continually found ways to make my investments stay prosperous. His constant proactive care and attention always make me feel I am in good hands. The continued positive results speak for themselves.

Have you seen the outcome you were hoping for?

Yes, and more.

What could they have done better?

Not sure Daniel could do any better. I am very happy with everything he advises.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Kent

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

We have been a client of Daniel's for a few years and contacted him most recently to discuss retirement planning and pensions advice.

How has Daniel Karim helped you?

By understanding our requirements and providing independent advice

Have you seen the outcome you were hoping for?

Yes, we now understand out options much better and areas that we need to consider.

What could they have done better?

Nothing

First impression from a user who is not yet a client

March, 2023

Overall

Please provide a brief comment about your experience with Daniel

I have had an initial telephone conversation with Daniel. He was patient, attentive to what I said, polite and reassuring.

First impression from a user who is not yet a client

January, 2023

Overall

Please provide a brief comment about your experience with Daniel

My first contact with Daniel was informative but relaxed, it felt like i was important to him

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Kent

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

Needed to consolidate a number of private pensions

How has Daniel Karim helped you?

He has explained the options clearly, and worked with me to ensure I have an active private pension pot and investment to support my retirement plans

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Kent

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

consolidating and protecting monies. Pension advice

How has Daniel Karim helped you?

clear advice on questions asked

Have you seen the outcome you were hoping for?

yes

What could they have done better?

can't think of anything

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Daniel

He was very helpful and gave us various options to consider without being pushy.

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Sussex

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

How has Daniel Karim helped you since your last review?

The financial portfolio designed by Mr Karin has helped my investment to perform with stability despite the difficult general financial situation.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very approachable and easy to speak to. He covered a lot of bases and answered many questions I raised in during our first introduction meeting.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Daniel

Nice friendly advisor. Explained things thoroughly with me over the phone

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Daniel

Daniel is very friendly, approachable, knowledgeable, helpful and happy to discuss options

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Daniel

Very cooperative and he listens carefully to our financial planning needs and advises accordingly

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Kent

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

Having started my own business a few years ago, I needed guidance and support with organising a personal pension, and therefore embarked on what became a very long and ardous journey in consulting with a number of financial advisors. Suffice it to say that every experience I had was unfortunately a negative one, until I had almost lost hope of finding someone who could help. With one last attempt, I found Daniel's profile on VouchedFor and found that his approach seemed to describe exactly what I was looking for.

How has Daniel Karim helped you?

Daniel has been an absolute professional since our first contact, who spent a great deal of his own time finding out about me, my personal circumstances, and my goals for a pension plan that would support my financial future. His down to earth approach, coupled with a passion for working with his clients in a kind and helpful way, made me feel completely confident in both his advice and in knowing that he has my best interests at heart. After such a difficult time with other advisors in the past, Daniel's collaborative and supportive way of working was a breath of fresh air.

Have you seen the outcome you were hoping for?

I have definitely achieved the outcome I had set out to achieve, which was to find a trusting and knowledgeable advisor who help support me.

What could they have done better?

I could not offer any notes for improvement as I feel that Daniel's professionalism and level of confidence, and his nurturing approach for exceeded my expectations.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in London

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

To combine two personal pensions into a single SIPP

How has Daniel Karim helped you?

By sorting out my old personal pensions and reducing the overall costs. This has resulted in a well performing SIPP

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can’t really think of anything.

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Daniel

I approached Daniel for an initial meeting to see if he could help advise us on a mix of family financial matters. He responded promptly and offered times to fit around my own diary, and was most accommodating when I unexpectedly had to change the appointment time at the last minute. When we did talk, Daniel had clearly read and researched my questions (sent in advance) and had an immediate understanding of our complex family situation, involving inheritance that includes international assets. He listened to my concerns and answered my queries with clarity. Showing an astute knowledge, I quickly trusted that he 'knows what he is talking about', which is not the experience I have had recently with other firms that I had approached for advice. Daniel spoke honestly, politely but firmly explained where my own decision-making was flawed, yet remained respectful of our wishes and ready to explain the potential implications of different choices. He gave his time generously and I never felt 'time's up'. I have no hesitation working with Daniel going forward.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in East Sussex

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

Pension advice

How has Daniel Karim helped you?

How and where to invest and give drawdown income.

Have you seen the outcome you were hoping for?

Yes pretty good given economic conditions.

What could they have done better?

None

First impression from a user who is not yet a client

September, 2022

Overall

Please provide a brief comment about your experience with Daniel

It was great speaking to Daniel, he took the time to get to know me and understand my situation. Everything was explained in simple terms and Daniel was thorough in response to any questions I had. Extremely easy to speak to, would definitely recommend if you are looking to get some advice!

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in London

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

I was keen to consolidate my pension plans and Daniel was massively helpful in achieving this.

How has Daniel Karim helped you?

Daniel has enabled me to put my future finances onto a strong and stable footing.

Have you seen the outcome you were hoping for?

Absolutely. My pension plan has performed extremely well, even during the current economic climate.

What could they have done better?

I can't think of anything. Daniel did exactly what he said he'd do, keeping me informed every step of the way.

Repeat review from verified client

August, 2022

Overall

Advice

Service

Value

Based in East Sussex

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

How has Daniel Karim helped you since your last review?

Monitors my pension investments & given advice on my wish to retire early & financial implications

First impression from a user who is not yet a client

August, 2022

Overall

Please provide a brief comment about your experience with Daniel

In our initial meeting I felt that Daniel was fully attentive to our needs and articulated very clearly the options open to us. A very friendly first encounter.

First impression from a user who is not yet a client

August, 2022

Overall

Please provide a brief comment about your experience with Daniel

A very comprehensive and clear explanation of how Daniel could help with our finances.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in West Sussex

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

My retirement was fast approaching and I needed sound advice to plan for my future.

How has Daniel Karim helped you?

Daniel helped to consolidate my pensions and work out the best investment plan to suit my needs.

Have you seen the outcome you were hoping for?

Growth has been steady and initially exceeded my expectations.

What could they have done better?

None

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Kent

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

Due to a low interest rate, we wanted to have a professional advice for our children savings to get an improved rate via investments.

How has Daniel Karim helped you?

He has given us the best advice to invest our savings

Have you seen the outcome you were hoping for?

Yes definitely our money is doing well.

What could they have done better?

Nothing

Repeat review from verified client

July, 2022

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

Daniel continues to offer help and advice on any manner of financial subjects and provides valuable reassurance in these unsettling times.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Kent

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

To carry out a pension transfer to maximise my sipp pension

How has Daniel Karim helped you?

He has provided the right funds to invest in to meet my long term goals

Have you seen the outcome you were hoping for?

My pension continues to perform against my long term goals despite the current volatile market

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Kent

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

To improve the future for my family, following my health scare. In particular, a DB pension scheme was not well placed to deliver that objective and the whole pension pot was fragmented and difficult to see and evaluate

How has Daniel Karim helped you?

Advising me on the pros and cons of pension planning that would best fit my objectives.

Have you seen the outcome you were hoping for?

So far - yes.

What could they have done better?

The process of transferring a DB pension scheme is a long one and it would be ideal to go faster. However my circumstances arose during COVID plus the regulatory requirements have to be followed.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in London

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

I had received some inheritance and wanted advice on how to invest this as well as a general overall of my financial situation, including thinking about my pension and retirement

How has Daniel Karim helped you?

Overall, very helpful in planning and investing my finances

Have you seen the outcome you were hoping for?

Yes, he was knowledgeable and helpful. The money invested is already doing well, even though this was only done recently and I have moved my ISA for better returns. We are also looking at pension planning.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in London

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

To consolidate and maximise my pension

How has Daniel Karim helped you?

Daniel has continued to manage my pension with impressive results considering the volatile times.

Have you seen the outcome you were hoping for?

My pension has exceeded my expectations during the pandemic

What could they have done better?

Nothing, Daniel always responds quickly to any requests and gives sound advice

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Outside UK

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

Due to unfortunate circumstances I inherited the estate from my family members who were based in the UK. I am not familiar with the UK laws and taxes.

How has Daniel Karim helped you?

Daniel was very patient, COVID meant there was a delay with probate. But he introduced me to some other professionals at the time when I needed assistance. This was important as I did not want to burden some of my UK friends with some matters and some of it needed to be confidential so it was appropriate to ask him as I trust him.

Have you seen the outcome you were hoping for?

I wanted to make sure I could maximise the inheritance as I know my family members would have wanted that.

What could they have done better?

Can't think of anything

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Daniel

Having had several bad experiences with financial advisors in the past, I had almost given up on seeking any support with my pension. I came across Daniel's profile on VouchedFor almost purely by chance, and upon meeting with him for an initial consultation, his approach and his manner was truly a breath of fresh air. He took the time to find out about me and my personal circumstances, and placed great emphasis in building rapport rather than merely focusing on logistics and finances. He listened to my concerns and my vision for the future, and carefully explained the next steps to get there, which is exactly what is needed when there is so much complexity and confusion in the financial world of pensions and investments for those who do not have expertise in the field. Following a second consultation and some further communication, he has continued to show utmost professionalism and care along the way. I feel that Daniel will be able to work with me in order to get the next steps right to ensure my future financial stability.

Review from verified client

June, 2022

Overall

Service

Advice

Value

Based in East Sussex

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

I could see my main pension fund was under performing

How has Daniel Karim helped you?

He has explained the reasons for amalgamating my pensions to reduce overall costs and placed into a more productive pension fund that is regularly reviewed.

Have you seen the outcome you were hoping for?

Yess.

What could they have done better?

Would be nice to meet face to face one day

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in London

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

Over the course of my career I had accumulated a number of pension plans which I was interested in amalgamating into a single investment fund and, on word-of-mouth advice, I contacted Daniel to advise me on this.

How has Daniel Karim helped you?

Daniel was clear and concise in explaining the reasons underpinning his recommendations. The whole process took rather longer than I’d have liked but he can’t be held accountable for this and I appreciated his obvious concern to deliver a comprehensive result on my behalf.

Have you seen the outcome you were hoping for?

Yes, Daniel was very efficient in analysing the plans and recommending a specific course of action relating to four of them (The ultimate outcome I’m hoping for of course will be the efficient performance of the resulting fund and this will take some years to evaluate !)

What could they have done better?

There was a little confusion over the method I chose to pay for his services but this was resolved fairly straightforwardly.

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Daniel

First impressions of Daniel via Zoom - Friendly, approachable and informative. He's knowledgeable and explains things clearly.

First impression from a user who is not yet a client

May, 2022

Overall

Please provide a brief comment about your experience with Daniel

Daniel responded quickly to my initial enquiry and arranged a meeting to talk through my finances following a small inheritance. He seemed very knowledgeable and was helpful in helping me to think about how to manage my money, including my pension. I have decided to go ahead with rearranging finances and investing some capital so I will be able to give a further review of how this goes at the next stage.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Kent

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

Planning for retirement.

How has Daniel Karim helped you?

Daniel has Helped us consolidate pensions and also ensure we are paying less in fees for our products. He has been very clear in his advice. We look forward to the next step In our journey.

Have you seen the outcome you were hoping for?

Yes. We now have clarity on our financial position. And have been able to make changes to investments so they are costing us less. And we have a clearer position of our potential Financial future.

What could they have done better?

Nothing. Daniel has been very patient with us. Taken the time to sit down with us and answer our questions and walk us through his advice. He is great at keeping in touch.

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Daniel

Very knowledgeable and professional, clear in the advice he is able to provide me.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Daniel

Daniel was incredibly helpful. He gave me really valuable advice and was charming, sympathetic and a great listener. I really do recommend having a chat with Daniel to resolve your financial issues - he makes them so much less insurmountable!

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Daniel

Daniel kindly used our initial meeting to explain what steps to take next. Despite this requiring someone with different expertise to Daniel, he was nonetheless willing to give some guidance on what to do and who to speak to.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Daniel

In our initial conversation Daniel was very friendly and very clear in his explanations about the potential for consolidating and investing my pension.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very thorough, asking plenty of questions to understand my position, hopes and ambitions. He was not narrowly focused on the short term reason I contacted him and his approach/advice helped me discover tools that could really help my life be more comfortable in the future. I was very impressed. His advice was very helpful and his phone number is logged in my phone for future use.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Surrey

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

With retirement (hopefully) hoving into view in the medium term, a current workplace pension not performing brilliantly and a jumble of assorted historical pensions, the time seemed right with to get a grip and rationalise investments, financial plan and retirement strategy.

How has Daniel Karim helped you?

Daniel has assessed my pension portfolio and retirement objectives, explained the options in terms that even I could understand, and devised and implemented a rationalisation strategy, transferring costly and underperforming pensions into a consolidated platform with investments aligned to my specific requirements and circumstances.

Have you seen the outcome you were hoping for?

Outcomes have been excellent. My understanding of the issues has increased significantly under Daniel's patient tutelage. The new account platform was set up quickly and pension transfers have been swiftly implemented and invested into the new fund. Early days for performance assessment for a long-term strategy, but with the new fund and the residual workplace pension both running and being monitored, early indications are very favourable; couldn't be more pleased.

What could they have done better?

Faultless, many thanks Daniel

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

How has Daniel Karim helped you since your last review?

Mr Karim has provided an excellent service and has always been ready to answer any queries. Mr Karim provided an up to date report of my financial situation, including an assessment, my attitude to risk, suitability of my existing investments, my financial goals & objectives and my investment performance. A balanced/aggressive approach of my investments suggested and designed by Mr Karim, by lowering the risk/volatility whilst still being able to seek good returns, has served my finance really well to date, with my overall portfolio producing returns of around 9%, clearly protecting my investments from downturn.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Daniel

My initial meeting with Daniel was very helpful. I found him to be patient and clear in his explanations, and he took trouble to understand my circumstances. Daniel was extremely generous with his time.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Daniel

Friendly, personable and clear

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Daniel

Having moved between a number of different employers over the first half of my professional life, I've found myself with a few different pensions that, frankly, I'm unsure how to optimise. Having spoken to a few other FA's to start investigating potential options, I found myself a few meetings in but still none the wiser on how to proceed. They all adopted the same approach of talking at me in a technical tone that prevented any building of confidence and trust. Daniel is the first adviser I've spoken to that invested time for listening and had a genuine sincerity to understand me and my situation. Our initial discussion wasn't just functional, it was enjoyable. He demonstrates acumen without overwhelming and I'm confident is someone who could support me on a path to better financial health. I now hope to establish an accessible and long term relationship with Daniel, rather than just solve this initial goal of pension consolidation.

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with Daniel

I had an initial chat with Daniel and he was very knowledgeable and thorough as he sought to understand my financial goals and how he could help me. I found him very pleasant, professional and easy to talk to.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Kent

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

Although i took out several payment plans and pensions when i was younger i had to put them all on hold when my wife left me and my two daughters - as time went on and the girls left home etc i needed someone to look at all the policies i had and collate them into something manageable. I spoke to several financial advisers but Daniel Karim was the only one who took the time to understand my circumstances and after just one long phone conversation i felt very comfortable that he knew what he was doing and could be trusted.

How has Daniel Karim helped you?

He has spent hours getting all my various pensions and payment plans, mainly from Reassure, into one fund managed by Ascentric as well as advising me to change my critical illness and death policies to a better provider giving me more protection for less money.

Have you seen the outcome you were hoping for?

Obviously not long term but short term i am very happy with the growth in the last 6 months and grateful Daniel moved me away from separate, unlinked very high cost and poorly performing pots into a high quality enviroment where it appears to have much better potential based on the past, present and future.

What could they have done better?

Not sure Daniel could have done anything better.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Daniel

A good informal conversation where Daniel answered questions clearly. Got a a really good overview of what was going to happen next and of our current position. All made sense.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel had been recommended to me by someone who'd been making use of his service for a number of years and who was delighted with the results he had managed to achieve. I was impressed with Daniel's directness and the clarity with which he was able to explain the services he offered. I felt confident that he would act in my best interests and that I would be actively involved throughout the process.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

How has Daniel Karim helped you since your last review?

Daniel and I have been able to discuss my savings and decide the best way to invest them knowing I will need access to them at any point. As Daniel and I have got to know each other I have got a better understanding of how things work and Daniel is very open to me making suggestions and exploring them further on my behalf.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel talked me through the different financial aspects I wanted to discuss and spent a great deal of time with me ensuring I had a good understanding of how I can potential improve my investments.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Daniel

Extremely knowledgable, very engaging and I gained trust immediately in our first meeting.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in East Sussex

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

How has Daniel Karim helped you since your last review?

Despite the pandemic, and after a sudden drop of the value at one point and the investment has been performed very well steadily and it has been 10% increasing so far from my investment. Well Done Daniel.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

How has Daniel Karim helped you since your last review?

Daniel has expertly helped me to keep on top of my long term investments during a volatile period and during a intense work period.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Kent

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

We were looking for long-term saving investment options

How has Daniel Karim helped you?

Daniel provided us with excellent advice about the best financial products

Have you seen the outcome you were hoping for?

Yes - the investment is doing very well which is great considering the events of the last year or so

What could they have done better?

Nothing - we have been very happy with the service provided by Daniel

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in East Sussex

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

How has Daniel Karim helped you since your last review?

Daniel has kept in touch since my last review which has given me confidence that he is taking good care of my affairs and not just let time go by.

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

Daniel has continued to manage my pension with very impressive results again over the last year.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Sussex

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

My money was doing very little sitting in the bank.

How has Daniel Karim helped you?

Daniel was extremely helpful in advising me on which would be the right investment for me. He explained things very well he-was very easy to talk to, his telephone manner was excellent.

Have you seen the outcome you were hoping for?

I haven’t as it’s very early days into my new investment but in time I’m expecting a bigger and better return than in a interest account in the bank.

What could they have done better?

Daniel was very professional in every way nothing was to much trouble he took time on the phone he answered all my questions and made me feel confident and that I was making the right investment for me.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Daniel

Following up on a personal recommendation, my initial 1 hour meeting with Daniel was extremely useful - demistifying the world of pensions and retirement planning. Daniel's personable and knowledgeable approach has given me every confidence that value will be added and that I will be in safe hands.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Daniel

Very positive first interaction with Daniel,thorough discussion of my situation and ideas to create a future financial plan

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Kent

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

How has Daniel Karim helped you since your last review?

On the first anniversary of transferring our savings into Daniel's care we noticed they have grown in value by an astonishing 8.42% over the previous 12 months! That is an amazing rate of return given the uncertainties of the then still unknown outcomes of Brexit & Covid-19 and has certainly out performed any High Street savings accounts by a long shot. Daniel has advised that we benefitted significantly from the Covid rebound and that whilst future returns are not known this has certainly exceeded our hopes & expectations to future proof our savings from effects of inflation.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Daniel

As well as commencing discussions about longer term options, Daniel provided some very useful answers to some short term financial questions.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Daniel

Contacted Daniel following research including vouchedfor. Daniel was in contact quickly and we had a great first conversation which was really helpful to get a feel for what services he could offer me, but also how we could work together. Felt totally at ease and had good clarity on what would happen next. Looking forward to more conversations!

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Daniel

Very informative easy to talk to explained this very well

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very clear & very specific in his information to our specific requirements & helped us understand a bit more the mysteries of investment

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Daniel

Excellent

Repeat review from verified client

August, 2021

Overall

Advice

Service

Value

Based in East Sussex

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

How has Daniel Karim helped you since your last review?

Keeps an eye on my pension investments

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in London

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

Seeking better returns for an ISA

How has Daniel Karim helped you?

Finding the best home for an ISA is a complex process. Fortunately Daniel was able to offer me clear guidance on ways to invest. He was available at every step of the process and answered every query promptly and most importantly, in clear simple English.

Have you seen the outcome you were hoping for?

Indeed. My money is now all invested - Daniel made it a smooth process.

What could they have done better?

Nothing.

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Daniel

My 1st introduction to Daniel was very informative. I found him to be very personable and look forward to dealing with him over the coming weeks.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in East Sussex

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

To maximise my pension and improve my investments and savings

How has Daniel Karim helped you?

Daniel help me to transfer my two pensions and Cash ISA to a new set up in a SIPP and much easy to understand and to know who the investment progress. He also invest my wife's cash ISA to a stock and share base investment.

Have you seen the outcome you were hoping for?

For the last two years, we have seen our pensions and investment improved greatly by over 13% in spite of Covid. We are very pleased with his advice and will highly recommend his services.

What could they have done better?

no much really

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel put me at ease very quickly during our initial conversation. I have no previous knowledge of investments and Daniel was able to explain things in a clear and reassuring way. He gave his time generously and spoke with me about a range of topics without any pressure being applied. After the conversation was completed I felt confident about pursuing an investment plan.

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Daniel

A good conversation covering all aspects, which Daniel guided me through without jargon.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

I wanted to maximise my pension and get investment advice

How has Daniel Karim helped you?

He helped me move my pension to another provider and help me with my requirements

Have you seen the outcome you were hoping for?

I have seen good growth despite covid and its about not getting nervous and riding through the storm and staying invested which has been a real benefit to me and my future plans. Because I stayed invested throughout these past months my regular premiums have obtained much better value (as I have been buying more units at a lower cost ).

What could they have done better?

I cannot think of anything currently

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel provided answers to all my questions and added lots of useful additional information that I was unaware of. He was very knowledgeable and good at explaining matters in a way I could follow.

Repeat review from verified client

July, 2021

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

Daniel has been brilliant. Really helpful, really knowledgeable. I have seen an uplift in my pension savings of nearly +13% over x2 years - this despite Covid.

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel was engaging and well informed from the information which I submitted in the initial form over a week previously. I had problems getting the call scheduled (from my side) & Daniel made special efforts to accomodate my unpredictable availability. Calm manner, relaxed and approachable, imparted some good take away advice/action point for me to follow up on.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in East Sussex

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

To invest my pension pot

How has Daniel Karim helped you?

He explained our options to us and provided the best drawdown solution for our needs now and in the future taking into consideration our approach to risk

Have you seen the outcome you were hoping for?

Yes so far very good return on investment in first year and good service for our income needs with explanation and advice on best tax efficient ways to draw our income

What could they have done better?

None really as Daniel always responds quickly to any messages and requests and gives us sound advice on whats best to do and avoid.

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Daniel

Very helpful

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel was extremely good in helping me understand my options. He was easy to talk to and most importantly, he listened to what I wanted to achieve going forward.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in West Sussex

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

Pension advice.

How has Daniel Karim helped you?

Daniel looked at my existing pensions and merged them where a saving of costs could be made. He has walked me through the pension minefield ensuring that any income received is as tax efficient as possible - in my case tax free. The other key point of the plan was to keep the investment as high as possible to maximise growth. This has been achieved due to Daniel’s knowledge and expertise.

Have you seen the outcome you were hoping for?

The investments have exceeded my expectations considering the year we have all had!

What could they have done better?

Nothing to add.

Repeat review from verified client

June, 2021

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

Daniel has very successfully amalgamated my various pensions to provide a high yielding new pension. Despite the pandemic it has performed incredibly well.

Repeat review from verified client

June, 2021

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

Daniel has organised our finances and rationalised our funds to give us two excellent pension pots. Both have performed fantastically.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in London

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

I had a lump sum of money that I wished to maxamise its potential. Met with several advisers and decided on Daniel.

How has Daniel Karim helped you?

He has continualy looked for ways to improve my investments. He is thorough and dilligent and despite covid my investments have continued to grow better than I had anticipated.

Have you seen the outcome you were hoping for?

Yes and more so. Due to the pandemic I was expecting a very tough year. However thanks to Daniel I was very happily surprised that my investment did much better than I could have imagend.

What could they have done better?

Nothing in my eyes.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Daniel

Knowledgeable, clear, friendly and down to earth

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Daniel

All good so far. Good understanding of my circumstances and good knowledge of the regulatory constraints and possibilities.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel gave a clear and concise explanation about his service.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Kent

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

To look at my existing savings and pension

How has Daniel Karim helped you?

We discussed my pension and I was able to understand what I can expect in my retirement. We also looked at my existing savings and investments and how to maximise the savings more especially due to the low/non existent interest rates on the high Street.

Have you seen the outcome you were hoping for?

My current investment that Daniel has helped with is doing well, and having looked at my pension Daniel was able to reassure me that I do not need to panic about my finances in retirement

What could they have done better?

Not sure there is anything, Daniel is good at listening and explaining thinks in a way I am understanding, he is very patient and gives me space when I need time to think things through

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Daniel

Good questions to understand my requirements, thorough detail provided around what we may want to consider. Some great thought provoking questions to ensure I understand my own requirements and how Daniel may be able to help me with these.

Review from verified client

February, 2021

Overall

Value

Service

Advice

Based in Kent

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

Was looking for independent financial advise following a period of time where my pension had remained dormant

How has Daniel Karim helped you?

Provided evidence of the potential of what the pension was worth which was much more than we believed

Have you seen the outcome you were hoping for?

Not yet, early days predictions look good if all goes well

What could they have done better?

Can’t think of anything specific at this time

First impression from a user who is not yet a client

February, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel came across as very professional as well as friendly - l feel very comfortable in using his services and looking forward to building up a working relationship

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel went through everything very thoroughly so I am now confident in what I am doing with my situation. I am aware of my options and know what I am aiming for to achieve what I am looking to achieve. Daniel was understanding, friendly and professional and was happy to accommodate when I had to change our meeting at short notice. Thank you. :-)

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Daniel

We have had a good introductory meeting and looking forward to working together.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Daniel

First time seeking financial advice the options and priorities were made clear. Looking forward to the follow up detail and agreeing on a meaningful financial plan.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel responded very quickly to my request submitted via VouchedFor. He is very knowledgeable and has a wealth of experience. I felt that I could discuss my financial circumstances and requirements without the pressure to commit at this early stage. Very professional in his approached would definitely recommend him.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Kent

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

My long term financial uncertainty related to my divorce proceedings

How has Daniel Karim helped you?

Daniel had gathered all the details of my situation and had explained clearly it’s implications to my future financial situation. Daniel had also set up a comprehensive financial and protection plan to help me with this. Daniel’s professional and gentle approach had put me at ease that my future finances will be cared for.

Have you seen the outcome you were hoping for?

It has given me the clarity and understanding of my situation in relation to the divorce process and steps and how it could affect my future finances and goals. I will be starting to put aside regular amounts towards my retirement income when my situation permits.

What could they have done better?

There’s nothing else I could wish for. I will highly recommend Daniel to my family and friends.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Daniel

Daniel was quick to put my mind at ease regarding financial planning, his professional manner combined with a personal touch to create a rapport between us was refreshing and at the end of the call i felt confident that we could work together in the near future,

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Kent

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

I have worked all my life to create a savings pot. With the interest rates on traditional High Street savings accounts failing to keep up with inflation & talk of negative interest rates over the horizon, I decided it was time for my savings to work for me. I therefore met with Daniel Karim to enquire if he could help.

How has Daniel Karim helped you?

Following an in-depth review of my personal circumstances and finances he recommended a way forward that I accepted. Under his careful stewardship, over the past four months, he has created a balanced and diverse investment portfolio that reflects my cautious attitude to risk.

Have you seen the outcome you were hoping for?

Yes. The portfolio Daniel recommended has delivered an extraordinary return on my investments that far exceeded my expectations and outperformed both inflation and traditional High Street saving rates significantly. This is all the more extraordinary given uncertainties posed by Brexit & Coronavirus.

What could they have done better?

Nothing I can think of. I recommend Daniel highly to anyone who is interested in finding out if he can help them with their financial goals.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Daniel

On my first meeting with Daniel, I felt very comfortable that my financial uncertainty was addressed as I go through with my divorce process. Daniel was very professional, knowledgeable and easy to deal with. He was very clear with his explanations. His advice and guidance had given me the confidence to be in a better position financially. I would highly recommend Daniel to anyone needling financial advice.

First impression from a user who is not yet a client

December, 2020

Overall

Please provide a brief comment about your experience with Daniel

Daniel was great to interact with and gave a considered and full explanation of options and strategies to think about.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Kent

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

To maximise my savings

How has Daniel Karim helped you?

Advice and seeing up new plan

Have you seen the outcome you were hoping for?

Not yet. Early stages.

What could they have done better?

I prefer face to face meeting but with the Covid situation that is not possible

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Kent

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

Originally I needed to consolidate my various pension pots and make active investment into retirement planning. More recently I have had the opportunity to make further investments due to a substantial gift from my father, and wanted to know how best to utilise that gift. Also, my husband was ready to review and further invest his ISA, which he has not contributed to or reviewed for many years.

How has Daniel Karim helped you?

Daniel looked at our current investments and recommended transferring my husbands ISA; he invested further monies to the new ISA, and we have been able to link our accounts so we benefit from a decreased management fee. I have now also set up a regular monthly contribution to my pension (as I have recently changed jobs, and I decide to invest the extra money I was being paid)

Have you seen the outcome you were hoping for?

Due to basic rate tax relief, my recent lump sum pension contribution has shown an instantaneous of 25% growth. Plus I've had great results to date on my whole portfolio, despite the pandemic. I'm really happy that we finally took this step of taking charge of our financial future, as previously I had taken no active action in this regard, I only wish I started earlier!

First impression from a user who is not yet a client

December, 2020

Overall

Please provide a brief comment about your experience with Daniel

Daniel was unable to take my issue forward. Despite this Daniel gave me some great information which enabled me to resolve my problem. I found Daniel informative, friendly yet professional. Daniels friendly and informative approach was like a breath of fresh air. Daniel ‘ s approach made a complex issue really easy to understand and he has an in-depth knowledge of his profession. I can’t recommend Daniel highly enough and will keep his contact details for possible future use.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Kent

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

How has Daniel Karim helped you since your last review?

Provided me with an update on how my pension/investments have fared.

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very thorough in his explanations and guidance. He provided us with a wealth of well presented information about him and his services which we found to be very informative and useful. He was clear, organised, efficient and empathetic to our needs and situation.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Daniel

Really helpful and kind, would definitely be using and recommending Daniels services.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Kent

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

Inheritance

How has Daniel Karim helped you?

Daniel was very patient in discussing my requirements and helping me to set out an investment strategy, we spent a long time discussing and deciding on the right approach. Later, Daniel has been very helpful with further advice and support, especially during the economic uncertainty during the initial Covid lockdown and helping me manage away from investment and into buying a house.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Daniel has been clear, up-front and helpful throughout.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Daniel

Daniel is very easy to talk to, no talking in tongues.

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

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

How has Daniel Karim helped you since your last review?

The investment which set up at the beginning was doing very well. However, due to the Covid-19, the value of the fund was more than 10 % drop of the value at one point at this unprecedented circumstance. It has since been improved greatly and steadily moving up in value. I even requested Daniel to invest more funds for me after the lockdown.

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

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

How has Daniel Karim helped you since your last review?

Daniel has kept me informed of necessary steps to make further tax effective savings. Despite an initial loss due to the COVID 19 Pandemic, my investments have fully recovered and are surging forward thanks to Daniel’s expert investment choices.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in London

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

I needed to sort out my pension plans.

How has Daniel Karim helped you?

He combined my existing personal pensions & SERPS pension into a SIPP

Have you seen the outcome you were hoping for?

Yes definitely. My SIPP has performed very well. Even with the effects of COVID it has performed excellently over the past year.

What could they have done better?

Nothing I can think of. The original work he did combining my existing pensions went very smoothly. Over the years since Daniel always keeps me informed & is always quick to respond to emails.

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Daniel

good listener. he gave us a great feeling of confidence.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Kent

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

We received a notification from a former employer about a pension that required specialist advice.

How has Daniel Karim helped you?

During our initial consultation, Daniel gathered a great deal of information about us, our circumstances, our finances & our hopes for the future. This was both thorough & reassuring that he had sight of our big picture. With our consent, he then made enquiries on our behalf with multiple financial institutions with whom we have an interest. We also undertook an online questionnaire to ascertain our risk profile. It was very professional & reassuring. Our next meeting took place face to face where he came to our home and spent an entire afternoon setting out his findings, what options were open to us (including some that were new to us) and his recommendations to best meet our financial aims. He set everything out so clearly in an easy to understand language, backed up by a portfolio of papers. Again, professional & reassuring. We decided to proceed with his personalised recommendation for us & we now have access to an online platform that allows us to see how our investment portfolios are performing. We are looking forward to continue to work with Danial for his ongoing professional support & advice.

Have you seen the outcome you were hoping for?

We are at the beginning of our journey but he certainly reassured us that we didn't have to take any immediate action as a result of that initial letter.

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Daniel

A very understanding, reassuring initial consultation. Daniel is a good listener and was able to help us understand our situation and how he could help.

Repeat review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Sussex

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

How has Daniel Karim helped you since your last review?

My pension investment continues to grow at a good rate, which I’m particularly appreciative of in these difficult fInancial times

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Daniel

Very informative, positive experience, looking forward to suggestions being given once review is completed.

First impression from a user who is not yet a client

July, 2020

Overall

Please provide a brief comment about your experience with Daniel

Good communication/responsiveness and clear advice provided during initial conversation. Good experience so far.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Kent

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

I wanted to take a fresh look at my finances and take a longer term view.

How has Daniel Karim helped you?

Daniel helped me to plan for the future, looking at better investing, as well as making sure my pension was secure.

Have you seen the outcome you were hoping for?

Yes. We are still working on some things, but I see my finances a lot more clearly and have a much better handle on how to plan for the future.

First impression from a user who is not yet a client

July, 2020

Overall

Please provide a brief comment about your experience with Daniel

Friendly.

First impression from a user who is not yet a client

July, 2020

Overall

Please provide a brief comment about your experience with Daniel

I talked with Daniel on phone and found him a very friendly person. He explained everything clearly and answered all my questions. I found it quite easy to communicate with him.

First impression from a user who is not yet a client

July, 2020

Overall

Please provide a brief comment about your experience with Daniel

Very helpful initial conversation setting out some of the potential options ahead & clarifying some unfamiliar areas / concepts that I didn't know existed. I would not describe myself as financially 'savvy so it was a relief to find someone who is better informed in these matters than I am. Above all, he is very approachable & takes time to explain things.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Daniel

So far, so good, really helpful, good service.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Daniel

Very helpful and pleasant to deal with.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Kent

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

I have known Daniel nearly 10 years and still use him for the simple reason he gets me the best deal that’s on the market trusted companies.

How has Daniel Karim helped you?

Over the years Daniel has helped me in a whole range of services pensions, mortgages, business protection, insurances, endowments, and many other services.

Have you seen the outcome you were hoping for?

All my products & investments are doing well from good advice & careful planning by Daniel Karim

What could they have done better?

The only thing I can say to Daniel as I have known him along time is that he should of set up on his own years ago

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Kent

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

To review our finances for future growth.

How has Daniel Karim helped you?

He suggested investments to provide long term growth rather than for aggressive short term gains.

Have you seen the outcome you were hoping for?

Yes definitely, we are very positive so far from the outcome from his advice. We have seen positive gains despite the recent market downturn.

What could they have done better?

All good so far

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Kent

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

Wanted to find the best way to mitigate my investments during the recent financial down turn

How has Daniel Karim helped you?

Provided advice and review to ensure that my investments were in the right place to ride the wave against the current market conditions.

Have you seen the outcome you were hoping for?

From his advice we remained committed to the funds which have since provided strong gains.

What could they have done better?

None

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Daniel

Very clear and strategic advice.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in East Sussex

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

I needed to invest my pension and make regular withdrawals so good advice as to how to achieve the best place for it was needed.

How has Daniel Karim helped you?

He assessed our circumstances and needs as a couple over the coming years with the money available to us and guided us through to a suitable investment strategy.

Have you seen the outcome you were hoping for?

Our pension is now suitably invested and gives us the flexibility we will need. We have opted for a relatively low risk approach to our future investment. Only the future will tell as to how successful we are but we are sure Daniel will guide us through any future decisions we need to make.

What could they have done better?

None specifically although we sometimes feel that financial advisers are not always cognisant of how nervous people are today with caring for their money and putting that trust into one person. Daniel successfully gave us confidence but it takes time and patience. Every detail matters and continuous explanation and help is needed.

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

How has Daniel Karim helped you since your last review?

I have been extremely pleased with the service that Daniel has provided over the last year. Sound advice in a way that can be easily understood has been gratefully received. Without doubt I have every confidence in Daniel managing my account for the foreseeable future.

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in West Sussex

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

How has Daniel Karim helped you since your last review?

Very happy with the service received. All questions are answered almost immediately. Responses are always clear and concise. I would definitely recommend Daniel to friends and family.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Daniel

Exceptionally detailed and effective initial conversation. Grateful for a 90 minute "discovery" call which was much more thorough than I expected. Excited to work with Daniel over the coming months & years

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Kent

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

I had to retire early and needed my private pensions sorted out.

How has Daniel Karim helped you?

Daniel helped me organise my pensions which enabled me to take early retirement.

Have you seen the outcome you were hoping for?

Yes i have seen the outcome i wanted.

What could they have done better?

I don't think Daniel could have done better, i think he achieved all i was aiming for it was a pleasure meeting him.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Daniel

An excellent first contact and review. Daniel inspired me with confidence in his professional skills and knowledge. A big thumbs up from me.

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Daniel

Deniel provided good and useful information regarding my request, good level of knowledge.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

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

We needed to take out some of the equity in our property for home improvements and to rationalise credit card balances.

How has Daniel Karim helped you?

Daniel researched at great length lots of remortgage deals and found a fantastic one for us.

Have you seen the outcome you were hoping for?

Yes, definitely. Our monthly outgoings are lower and we are adding value to our property.

What could they have done better?

There isn’t anything Daniel could have done better. He was great.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Kent

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

I needed a mortgage and life insurance.

How has Daniel Karim helped you?

He searched for and found a very suitable mortgage for us and was able to secure final parts of this even during the lockdown. He also helped to secure life insurance without the need for a medical (medical was not possible during lockdown). This was hugely beneficial enduro that protection was provided even in difficult circumstances.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Kent

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

My husband passed away.

How has Daniel Karim helped you?

Daniel probably saved the estate about £220k, and averted an IHT disaster! He tracked down and transferred all of my husband’s pensions into one pot, got funds out of my husband’s company (away from potential creditors) and put into the sizeable pension pot and most importantly out of the estate!

Have you seen the outcome you were hoping for?

Yes, definitely. Daniel has a genuine and caring approach, however he also ‘knows his stuff’, and I couldn’t have wished for a better outcome, overall he obtained massive tax efficient growth. I will continue to work with Daniel as he’s looking after my pensions and would welcome his professional advice on my daughter’s and my future financial decisions.

What could they have done better?

I have been very happy with Daniel's advice, and I don't have any suggestions for improvement. Daniel’s financial knowledge is exceptional and he never hesitated in "going the extra mile".

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

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

Daniel has been our financial advisor for several years now. We asked him specifically to help us release some of the equity from our property to help us make some home improvements as well as rationalise our finances and reduce our monthly outgoings.

How has Daniel Karim helped you?

Daniel spent some considerable time reseraching and presenting to us a range of re-mortgage options. Prior to this he helped us with optimising our credit rating.

Have you seen the outcome you were hoping for?

100%. We achieved precisely the re-mortgage we were looking for, reducing our monthly outgoings by paying off credit cards and other debt, as well as giving us a buffer to improve our property.

What could they have done better?

I can't think of anything, to be honest. Daniel's service really is exemplary.

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Daniel

He was very friendly, knowledgeable, and took a holistic approach in discussing aspects of my financial security.

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

Daniel has continued to put forward excellent advise in ways to maxamise my portfolios potential. Even with the event of Covid-19 he has been reasuring, intellegent and wise with his guidence.

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Daniel

Professional.

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Daniel

I had a very productive initial conversation with Daniel, in which he outlined a range of services he can provide for financial planning. He was very accommodating and helpful.

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very knowledgeable and our conversation was highly constructive. I got the feeling that Daniel fully grasped the nature of what we are trying to achieve and in addition to helping find solutions to these issues threw up some new ideas and considerations which was very helpful. Looking forward to what Daniel comes back to us with following our initial consultation and it is my hope that we will work together on strengthening our business.

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Daniel

As a first impression as its very early days yet, he has been attentive , communicates well and has explained our options to us. He has outlined his plan of action and has helped us with investigations and advice on my existing pension.

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with Daniel

I found Daniel to be really thorough and engaging. He took the time to make sure he really understood my circumstances, finances and what I wanted to achieve. It was a very tailored approach. He is also very personable and friendly!

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in London

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

How has Daniel Karim helped you since your last review?

He is always very understanding of his customer's needs and does not push the customer into buying unnecessarily.

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Daniel

Daniel was my late husbands financial advisor. However I’ve now met Daniel several times and dealt with him via email / text on multiple occasions, and he had been very understanding of my situation. My husband found Daniel using vouched for and was very impressed with him and said he was extremely knowledgable in his field. I wanted to leave a review as my young daughter and I have benefited greatly from Daniel’s guidance and knowledge. Daniel probably saved the estate about £220k, and averted an IHT disaster! He transferred numerous smaller pensions into one pot, got funds out of my husband’s company (away from potential creditors) and put into the now quite sizeable pension pot and most importantly out of the estate! Overall he obtained massive tax efficient growth. Daniel also got my husband to arrange a will as he didn’t have one (!) and for powers of attorney, one covering health and welfare and the other covering my husband’s property and financial affairs. My husband unfortunately passed away before leaving a review however I have no doubt that he would have recommended Daniel wholeheartedly.

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Daniel

Very early days but Daniel took time to understand my personal requirements and has since been methodical, timely and efficient in his approach to securing the information he will need to commence scoping a bespoke financial strategy for me.

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Daniel

We found Daniel to be very informative and extremely helpful in advising us on our financial affairs . A very personal service and Daniel is an excellent communicator. Very happy to instruct him in the future .

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Daniel

He is just amazing !

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Daniel

Very clear & positive, looking forward to the next stage

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in London

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

Over the years I had acquired a number of separate pensions which, on closer inspection, didn't seem to be performing that well. I was keen to take some advice from an independent, professional financial advisor to help me to improve my pension pot and, utlimately, the income I hope to derive from it.

How has Daniel Karim helped you?

Daniel spent a considerable amount of time going through my finances with me, my plans for the future and my attitude to financial risk. He produced a clear, structured plan for the next 10 years, which we would review annually. I agreed to the plan's recommendations and consolidated all of my pensions bar one into a new investment plan.

Have you seen the outcome you were hoping for?

Most certainly. The new fund has been operating for just over a year now and my pension pot has grown exponentially. Added to this, Daniel has been very helpful in providing advice on other matters, from reviewing my mortgage to consolidating my debt and reducing my credit card payments.

What could they have done better?

I wouldn't change anything, to be honest. Daniel's advice has been invaluable and professionally given.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in London

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

I'd become self employed two years earlier and had seen my revenue increase considerably. I was keen to introduce better planning into my finances, particularly in respect of a pension.

How has Daniel Karim helped you?

Daniel undertook with me a thorough review of my future plans and aspirations and my attitude to risk as well as my current lifestyle. From this we formulated an agreed plan going forward. The outcome was the amalgamation of monies from a dormant, underperforming pension with ongoing, tax-efficient pension contributions into a new investment fund. Daniel is also helping me to acquire a highly competitive equity release from my property to fund a cash injection to help grow my business.

Have you seen the outcome you were hoping for?

Definitely, and more so. My pension has performed tremendously, showing a healthy growth in a matter of less than a year. I am able to check on my investment online, quickly and easily, at any time I want. The equity release is underway, and all looks good, which will mean my business can be taken to the next level.

What could they have done better?

It's difficult to think of anything. Daniel offers that rare combination of help, support and creative thinking without ever 'selling' to me or being pushy. He is in my opinion an easy-going, easy-to-talk-to person who truly knows his stuff and who genuinely puts his clients first.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Kent

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

I had a number of pensions from previous employers that were not necessarily performing well and each pension had a different set of associated charges.

How has Daniel Karim helped you?

Daniel helped me to review my existing pensions for their effectiveness and consolidate them into a higher performing, lower cost pension scheme.

Have you seen the outcome you were hoping for?

My pensions have been consolidated and the associated charges have been significantly lowered. To date, the performance of the selected fund has outperformed those of my historic pensions. Taken together, the increased fund performance and reduced charges will have a significant compound effect over the long term.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Kent

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

I was aware that I hadn't been utilising my pensions as I should, and hadn't reviewed the pension products I had, and needed to plan for the future more effectively.

How has Daniel Karim helped you?

Daniel helped to determine my attitude to financial risk, which in turn helped him to determine the best products into which my pensions could be transferred to, to enable me to get the best return on my investment. He has been patient, and really explained everything in a way both my husband and I could understand easily.

Have you seen the outcome you were hoping for?

Yes - By bringing all of my investments together, it has saved me a lot of unnecessary cost and invested my funds more productively. It's been quite a journey over the last couple of years, going from reluctance to 1st meeting and realisation; then time to decide which adviser to use; I procrastinated as I was scared about making the wrong decisions. However, once I took action it's been great how to see how effectively Daniel and I have worked in partnership and how things have now ultimately been implemented in a very quick time; I'm really relieved things are now in place, and I feel I can contribute more money, very easily to my new pension pot.

What could they have done better?

I wouldn't change anything

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Kent

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

I have recently become self employed and required a pension and protection

How has Daniel Karim helped you?

Daniel has set up Executive Income Protection for me

Have you seen the outcome you were hoping for?

Not exactly. My primary requirement was a pension followed by income protection but due to cost only proceeded with the IP. However, the advice provided was excellent.

What could they have done better?

The charge for the setup of a pension was, in my opinion, excessive. You cannot expect to pay a fee that will take a quarter of the pension term to recoup. A different pricing approach should be available/considered.

Daniel's reply

Hi Richard. Many thanks for your kind feedback and review. Regarding the pension, we discussed a number of ways and approaches concerning fees, however you're seeing it this way, due to your short time frame until retirement, plus that we're not transferring across a previous pension (due to my identification of valuable guarantees), and the fact that that you're seeing the fee as related to the investment. We would however, be starting a scheme from scratch, with solely monthly contributions, involving significant time, effort, analysis and advice from my side - as agreed, I would need to be making inroads into covering my costs associated with my professional expertise, time and value added, in order to provide you with a suitable and tax efficient scheme for the here and now, and also one that's future proofed. Therefore, the advice fee is really associated with these points.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

I wanted to set up my pension and help with life protection

How has Daniel Karim helped you?

Daniel helped me last year to set up pension and life protection, and is very helpful, patient and informative, with ongoing monitoring.

Have you seen the outcome you were hoping for?

Daniel is very attentive with information and monitoring, making sure i am happy at all times with what i have. If i want advice on any of these Daniel helps without hesitation.

What could they have done better?

Daniel does very well and i happily recommend him for his continued good work and advise.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

My pension with the previous provider was unreviewed and was performing badly. I also wanted to invest my ISAs cash in the best possible way.

How has Daniel Karim helped you?

Daniel helped me realising that my previous pension was not invested in a good way and had very high costs, depleting my pot unnecessarily and really not helping my finance towards my goals. Daniel helped me investing my funds in context to my goals and plans, giving me a much better opportunity to meet and exceed my goals. Daniel advised me to move my funds into a more cost effective pension and ISAs funds.

Have you seen the outcome you were hoping for?

Since investment at Elevate, my funds have grown by over 2% within a few weeks.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Kent

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

I’d not had an IFA review for a while since leaving my previous company.

How has Daniel Karim helped you?

Advised and administered a transfer to a more cost effective pension fund. Ongoing monitoring and review.

Have you seen the outcome you were hoping for?

Yes, very happy with attentiveness and responsiveness provided by Dan.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Daniel

Daniel was quick to respond, seemed to gain a good understanding of our requirements from the outset, and having given us preliminary guidance he was confident in his ability to find appropriate solutions for the near and medium term.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

To improve my cash ISA return.

How has Daniel Karim helped you?

He help me to make an informed action under my circumstances to improve my cash ISA fund for a better long term return at the same time reserve some in the cash ISA for immediate need.

Have you seen the outcome you were hoping for?

The transfer was speedy and smooth.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Kent

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

To look at what I should do with some cash I had in high street savings account, knowing I would be retiring in a few years

How has Daniel Karim helped you?

Explained ways we could look at investing elsewhere with low risk as I had worries around risk, was patient whilst I kept debating if I was doing the right thing and did not push me. Spent time explaining everything to me.

Have you seen the outcome you were hoping for?

Yes, investment is doing really well, which encouraged me to then move an isa into investments, which Daniel took care of all the paperwork for me, making it an easy process.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Kent

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

Daniel provided comprehensive and easy to understand advice. I had been retired on the grounds of Ill health so no chance of further earnings.

How has Daniel Karim helped you?

Daniel listened to my requirements for the future and circumstances. He has provided a good product to reach and exceed my goals.

Have you seen the outcome you were hoping for?

Yes absolutely.

What could they have done better?

I don’t think he could have done. All my needs have been met and fully explained.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Kent

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

Inheritance

How has Daniel Karim helped you?

Daniel's helped me to understand the investment options available and provided clear, personal advice to explore the possibilities. He's done so much more than simply setting up the investment for me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Daniel's been excellent, extremely patient in dealing with my questions and providing the level of detail I was looking for. He's been very approachable and explained how everything works clearly and in plain English.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Kent

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

I required help and advice with a complex investment with Trust arrangements.

How has Daniel Karim helped you?

Daniel helped me to identify the options for the investment and helped me through the implementation stages.

Have you seen the outcome you were hoping for?

Absolutely. The investment has been set up and I am happy with the structure and the outcome.

What could they have done better?

No suggestions - Daniel laid everything out clearly and effectively.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Kent

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

Following the birth of our daughter we wished to make some long-term investments. Therefore we sought professional advice to guide us through this process in order to make the best possible investments especially as neither of us have a background in financial services.

How has Daniel Karim helped you?

At our first consultation meeting Daniel listened very patiently to our requirements and outlined the options in an extremely clear fashion. Following the meeting he put together a detailed plan for us to consider before we confirmed how we wished to proceed. He answered all of our many questions and demystified a lot of the financial jargon which we found really helpful. We therefore felt very at ease with Daniel and could see how much research he had done into finding the best possible product for us.

Have you seen the outcome you were hoping for?

It's early days but we are already seeing growth in our investments so are very happy with the advice he has given us.

What could they have done better?

We have been extremely happy with the advice and guidance that Daniel has offered us so far and we look forward to working with him for many years to come.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in East Sussex

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

Private pension not been reviewed for a long time

How has Daniel Karim helped you?

Changed to a different pension provider

Have you seen the outcome you were hoping for?

Better than anticipated

First impression from a user who is not yet a client

August, 2019

Overall

Please provide a brief comment about your experience with Daniel

Daniel explained possible options and next steps really clearly. We're really glad that Daniel is going to be helping sorting out our pensions.

First impression from a user who is not yet a client

August, 2019

Overall

Please provide a brief comment about your experience with Daniel

Daniel has struck the right balance between being proactive and responsive whilst also allowing time for things to percolate. There has been no urgency on the sell and we feel confident he will find the right product for us at the right time.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Sussex

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

In need to review the existing pension plans and other saving, so that we can improve our funds to meet our need for retirement.

How has Daniel Karim helped you?

He help us to set a financial goal and understand our risk taking and consolidated two pension plans to improve the future performance and costing. Investing our cash ISA with low return to stock and share ISA to boost the return.

Have you seen the outcome you were hoping for?

We had seen the improvement already and look forward to the better future with his on going advise.

What could they have done better?

Nothing at all, he is doing more than we asked to do, ie he is going to try to help us to write a complaint for the delay of the transfer of our funds.

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

I WAS IN NEED OF FINANCIAL ADVICE & SOMEONE TO HELP ME WITH MY PENSIONS

How has Daniel Karim helped you?

I HAVE BEEN A CLIENT OF DANIELS NOW FOR OVER A YEAR & HE HAS HELPED ME TO MAXIMISE MY PENSIONS

Have you seen the outcome you were hoping for?

I HAVE SEEN GOOD GROWTH WHICH IS VERY ENCOURAGING

What could they have done better?

NOTHING REALLY , DANIEL IS VERY ATTENTIVE

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in London

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

I had various pensions that I had acrued over the years that I didn't fully understand.

How has Daniel Karim helped you?

Daniel looked at each one individually and advised I would be much better to consolidate.

Have you seen the outcome you were hoping for?

I have only just transferred everything thing over but already I feel much more in control of my future finances.

What could they have done better?

Nothing springs to mind. Daniel was clear and concise at every stage. He took me through the rationale of what you need to do and why.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Kent

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

To review our protection planning

How has Daniel Karim helped you?

Daniel identified serious gaps in our current life insurance policies, and put in place recommendations to address these. He thoroughly reviewed the policies and highlighted shortfalls that were hidden within vague and complex terms.

Have you seen the outcome you were hoping for?

He found us policies that were better value in terms of comprehensive coverage and within our budget. He also chose policies which removes any ambiguity of cover in our minds.

What could they have done better?

Nothing

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Kent

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

We wanted a review of our current life insurance policies.

How has Daniel Karim helped you?

Daniel found a serious gap on the main policy that had no critical illness cover. For the other policies we held, he Identified we were paying too much and just myself as the policy holder.

Have you seen the outcome you were hoping for?

We went through the options and now have a comprehensive critical illness + LI policy at a good rate. For the other policies we are now paying less with my wife included. Just proves there is a lot of mis-selling of life insurance in the industry, and there is a need for someone like Daniel to have your back.

What could they have done better?

Nothing comes to mind

First impression from a user who is not yet a client

May, 2019

Overall

Please provide a brief comment about your experience with Daniel

Very good thus far

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Kent

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

I had a great deal more complexity to my finances following a divorce and setting up my own limited company in a short space of time.

How has Daniel Karim helped you?

Daniel was very helpful with general advice about the structure of my finances and what would make sense for the near future as I plan to purchase a new home. I was also eager to install some income protection and insurance to ensure that my children are well protected in case of any unforeseen issues with my work or health.

Have you seen the outcome you were hoping for?

Yes, Daniel clearly presented a range of options for life and payment protection after diligently collecting the information he needed from me. I now have good policies in place and am happy that it was the correct outcome.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in Kent

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

I had various pension pots spread over numerous schemes and was concerned about not having a full view of consolidated performance. I wanted to engage a financial to provide advice about consolidation and retirement planning.

How has Daniel Karim helped you?

Daniel was good at explaining the steps needed for him to provide a review of my current situation and then proceed with a plan to move forward. The first step was to provide all the policy details i have with letters of authority, which allowed Daniel to fully investigate fund values and performances and then provide a detailed report of my current situation with a recommended approach. This was to consolidate as well as leaving some pots untouched, as he has found these to have unique benefits which the pension funds had not made me aware of.

Have you seen the outcome you were hoping for?

I am very pleased with the outcome, as my consolidated view that Daniel generated was larger than I had expected. Daniel has now transferred most of the appropriate pots into a consolidated fund, and already have gained some benefits almost immediately.

What could they have done better?

Nothing comes to mind

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

My husband was in need of pension advice.

How has Daniel Karim helped you?

Daniel worked to ensure that we had the best possible chance of fulfilling our retirement dreams. A very approachable and genuine guy. Who’s enthusiasm was appreciated in our home.

Have you seen the outcome you were hoping for?

Very positive signs for the future.

What could they have done better?

Nothing to add.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in West Sussex

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

To determine if my retirement goals were realistic.

How has Daniel Karim helped you?

Daniel quickly identified that my current pension fund was under performing. He talked me through my options and worked quickly and efficiently to implement the changes. Throughout the process I was kept informed and most importantly I felt confident that I had made the right choice not just for me but for my family.

Have you seen the outcome you were hoping for?

I had seen improvement within weeks.

What could they have done better?

Nothing comes to mind.

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in London

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

I had several lump sums of money and a pension that I need to invest.

How has Daniel Karim helped you?

Daniel formulated an impressive and unique, personal to my specific needs, portfolio for all the investments I had.

Have you seen the outcome you were hoping for?

Yes and more so. Only wish I had met Daniel many, many years ago.

What could they have done better?

Difficult to say. Daniel is forever looking to improve my portfolio and I have seen only growth since day one, even in these tricky times. So nothing comes to mind as to how things could be improved.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Kent

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

My husband needed to take early retirement because of my illness.

How has Daniel Karim helped you?

Daniel helped by arranging for my husband his private pensions to be put into drawdown.

Have you seen the outcome you were hoping for?

Yes I have seen the outcome we have been hoping for.

What could they have done better?

Daniel was very kind and considerate to my predicament, a very good listener.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in London

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

Over the years I have acquired a number of different pensions. Ideally I wanted to consolidate them into one, and also if possible make a saving on the charges.

How has Daniel Karim helped you?

Daniel went through each of my pensions and identified that I would make savings on charges with the new investment strategy. The whole transfer process ran smoothly and Daniel was there to help at every step.

Have you seen the outcome you were hoping for?

Yes, my investment is showing healthy growth from the start

What could they have done better?

Cannot think of anything. I was happy with the service.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Kent

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

We was looking to move house, but unfortunately that didn't happen.

How has Daniel Karim helped you?

Daniel helped me by arranging early retirement.

Have you seen the outcome you were hoping for?

Yes we have I am now retired.

What could they have done better?

Daniel couldn't do any better for me he was professional and caring.

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with Daniel

We started very well on the first phone conversation. There were few instances that we have a very unique common experience. He came across very open and approachable person. I like his hand on approach with direct talking and efficiency. During our time of face to face meeting. He shown great deal of interest to know us and to understand our circumstances and gathering information to help us to get the best advise to offer from him. We are happy to work him in our next stage of our financial planning.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Kent

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

We were looking for someone who can give us advice to provide improved growth of our finances.

How has Daniel Karim helped you?

He explained how we can vastly improve our financial situation. He was patient and wanted to find out more about our long term financial goals.

Have you seen the outcome you were hoping for?

Nothing yet, but very confident we will see a vastly improved financial position over the long term.

What could they have done better?

Nothing yet, but very excited to work with him.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in Kent

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

I was wanting to get advice on my savings, pensions and investments, with a view of growing them further.

How has Daniel Karim helped you?

Daniel was very keen to find out our about what we were wanting to achieve financially, and spent a lot of time talking through options and how he could help us achieve this by looking at the wider picture. I felt very confident that can help achieve our long terms goals. He spent a lot of time explaining technical financial terms in a simple way, and always at hand including late evenings to answer any questions.

Have you seen the outcome you were hoping for?

Not at the moment, as its quite early in the process. However I am very excited to work with Daniel as the projections look great, within my risk appetite. I am very confident he will help me meet the goals that I want to achieve.

What could they have done better?

Nothing. The key is to have a 2 way conversation with Daniel and to ask questions which will ensure you get the best out of the relationship.

First impression from a user who is not yet a client

February, 2019

Overall

Please provide a brief comment about your experience with Daniel

Useful

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Daniel

We are very happy with the help and advice offered to us so far by Daniel. He has explained everything to us in an extremely helpful and impartial way and we look forward to working with him.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in London

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

We needed to plan for our retirement and get our finances in order

How has Daniel Karim helped you?

Daniel was friendly, straight forward and easy to understand. He took time to find out our needs and attitude to risk, coming up with a 10 year plan. We are currently getting underway with protection planning and consolidating our personal pensions

Have you seen the outcome you were hoping for?

All is looking good so far

What could they have done better?

nothing I can think of

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Sussex

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

I needed to sort out my finances and plan what my pension money was going to be put into

How has Daniel Karim helped you?

Daniel was very patient and listened to what i was needing, he gave advice when asked and helped me every step of the way. It didn't matter what question i had he would always answer it in a way i could understand. Daniel is still helping me as type this review.

Have you seen the outcome you were hoping for?

It is too early at the moment but i am confident that Daniel has advised me in the best way forward for my affordability.

What could they have done better?

At this moment in time there is nothing more Daniel could do for me than what he already is. Thank you

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in London

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

I was keen to get my finances in order with a view to optimising my income when I retire in 10 years time.

How has Daniel Karim helped you?

Daniel took the time to understand where I saw my life going, and what I really wanted from retirement. He looked carefully into my income, current pension arrangements and income protection, making clear and straightforward recommendations going forward. All of this was done in a helpful, supportive way; at no point did I feel sold to or pressured.

Have you seen the outcome you were hoping for?

Absolutely. I now have an investment plan which is performing well and which I am confident will yield a decent retirement income. I also have some affordable protection in place should I be unable to work at any point.

What could they have done better?

Nothing. Daniel was great - I'd recommend him highly.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Kent

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

Had some savings that I knew I needed to make work better for me in my retirement.

How has Daniel Karim helped you?

Daniel listened and was patient with me, it took me a long time from our initial meeting to be able to take the step of committing some savings and Daniel worked with me without putting me under any pressure until I was able to take that step.

Have you seen the outcome you were hoping for?

It is to early yet to say

What could they have done better?

Nothing that I can think of

First impression from a user who is not yet a client

November, 2018

Overall

Please provide a brief comment about your experience with Daniel

I would highly recommend choosing Daniel for his professional, enthusiastic and supportive demeanour straightaway from day one; he has been approachable in many ways via WhatsApp and on the phone as needed and also has been able to accommodate evening visits for us around our long work days; furthermore the advice has been measured, realistic and tailored specifically to our varied needs and I very much look forward to our future working relationship and seeing how our plans take shape. Thanks for all the hard work so far Daniel.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Kent

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

Large sum of money from house sale.

How has Daniel Karim helped you?

Considered all my needs, both now and future, and level of risk appropriate to them.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

Too early to say but Daniel will be monitoring on an ongoing basis so hopefully not.

First impression from a user who is not yet a client

September, 2018

Overall

Please provide a brief comment about your experience with Daniel

Very pleasant man. Explained everything clearly in easy to understand language.

Review from verified client

May, 2018

Overall

Service

Advice

Value

Based in London

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

Wanting to buy first property.

How has Daniel Karim helped you?

We met with Daniel and talked through our situation in depth, he was very informative and looked at the bigger picture which has been really helpful. He has proposed some routes which we could go down and I am confident that with his help we will get the right outcome.

Have you seen the outcome you were hoping for?

Not yet but I am confident we are heading in the right direction.

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in Kent

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

Combining my pensions with my husbands seemed to make sense so we asked Daniel to help.

How has Daniel Karim helped you?

Daniel came to see us, took our pension details and found us a product the suites our requirements.

Have you seen the outcome you were hoping for?

Not yet but hopefully in years to come we will.

What could they have done better?

Nothing thank you.

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in Kent

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

We have accumulated several pensions over many years and thought we should investigate options to improve our returns.

How has Daniel Karim helped you?

Daniel came in and reviewed all our current pensions. From this we obtained a fantastic option that should save us thousands compared to previous providers, over the next 20 years or so.

Have you seen the outcome you were hoping for?

Not yet but the projections look good with stable and low risk investments. Cost savings are up which also translates into additional profits long term.

What could they have done better?

Nothing.

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Daniel

Knowledgeable and helpful.

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Daniel

Daniel is very personable and friendly. It looks like he wants to make a real effort to get to know you and your situation so that he can offer a better, more tailored service. He is clear and informative, taking the time to explain things, and he's very patient with you when answering questions or going into more detail.

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Daniel

Very professional, patient and courteous.

Review from verified client

January, 2018

Overall

Service

Value

Advice

Based in Kent

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

A determination to manage our finances more efficiently and define clearer long term financial goals.

How has Daniel Karim helped you?

Daniel has ensured that he fully understands our financial needs and requirements and is clearly someone that is determined to work with his clients on a long term basis. He is clearly very knowledgable, thorough in his work, explains things in simple terms and has been willing to provide very detailed and quick responses to my ad-hoc questions. It has been a pleasure working with Daniel.

Have you seen the outcome you were hoping for?

Probably too early to say in any great detail though everything we have done so far has been aligned with our goals, clearly explained and processed efficiently and quickly.

What could they have done better?

Nothing at this stage.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Kent

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

A recent change in jobs got us thinking about our pensions and decided to get some advice on what to do.

How has Daniel Karim helped you?

He has come round and we’ve talked about what pensions we have and when we have more info will be advised on what to do with those to make our money work better for us.

Have you seen the outcome you were hoping for?

Not y eat but hopefully soon .

What could they have done better?

Nothing

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Sussex

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

Needing to improve my private pension & wanting to identify whether to pay into my private pension or current occupational scheme.

How has Daniel Karim helped you?

Identified a better private pension & sorted the transfer.

Have you seen the outcome you were hoping for?

It is too early to comment. Have agreed regular reviews.

What could they have done better?

May have benefited by more detailed discussion on type pension fund transferring to

Daniel's reply

Hi Karen. Many thanks for your kind review. I'm glad you're pleased that we've moved your previous pension to a much more cost effective one, with many investment choices and flexible options. The cost effectiveness of your new plan, means that the regular premiums you are now going to put in, will be much more effective to our planning. I understand that the only reason that you gave a score of 3 out of 5, is because you think that a review would make more sense in a year's time...in other words you feel it's too early to give a higher score presently. I look forward to working in partnership with you over the long term and carrying out our regular reviews, which will include the investment fund(s) and your evolving risk / volatility tolerance, but also your planning, in terms of how on target you are for your goals, plus taking any actions necessary. *** Note: This same client in August 2019 gave another review and this time they were: Overall Rating: 5; Quality of Advice: 5.0; Quality of Service: 5.0; Value for Money: 5.0. This just goes to show the benefit of good, independent advice, regular reviews, plus a good and solid, trusted relationship over time ***

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in Kent

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

I had recently changed jobs and thought it worth investigating the value of my pension pots so that I could be sure I’d have a comfortable retirement as I had little idea of the value and what that would equate to in the years to come.

How has Daniel Karim helped you?

Daniel spent time with us looking at our savings and pensions as well as discussing our life requirements. we have two children we want to take on holidays now but also to leave something for in future as well as being able to help when it comes to university and first homes for them. Daniel also checked our insurance policies and found that they were lower than ideal.

Have you seen the outcome you were hoping for?

Daniel has already made changes to our insurance for us so we are well protected should anything tragic happen. We are waiting on the details from the pension companies now, but hopeful that soon we’ll have a good idea of how we stand for the future, and can make necessary changes to ensure we achieve our goals.

What could they have done better?

At the moment I cannot think of any way Daniel could have improved his services to us.

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very friendly, positive and helpful and genuinely interested in understanding the client's financial position, lifestyle and investment aims.

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel was keen to be able to personalise his advice to my needs, preferences and situation, and was able to explain things clearly and concisely to someone who has little experience in the financial environment.

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Daniel

Very professional, knew what we needed to do to achieve our goals and was very approachable without being judgmental!

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel got in touch promptly and his communication has been great throughout. He took the time to really understand my financial situation and he explained things clearly in plain English. Would recommend.

Review from verified client

December, 2017

Overall

Advice

Service

Value

Based in Kent

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

I received a letter from one of my pension providers advising that they were making changes. I decided it was time to review my pension investments to ensure I would have sufficient funds when I retired.

How has Daniel Karim helped you?

Daniel took the time to understand us and our investments and provided recommendations as to how we could get a better return. Daniel is very personable and trustworthy.

Have you seen the outcome you were hoping for?

Its early days but I am hopeful.

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Daniel

Excellent Discussion

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel arrived and was very pleasant and thorough throughout our initial meeting. Explained everything in a way we understood.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Kent

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

Lack of professional advice had caused my pension fund investments to become out of date and inefficient.

How has Daniel Karim helped you?

Daniel took time to conduct a thorough review of my circumstances before advising on some changes which are expected to significantly reduce the management cost of my investments and hence improve my returns.

Have you seen the outcome you were hoping for?

Yes, pension funds have been restructured and I look forward to regular reviews to ensure the funds remain optimised.

What could they have done better?

Nothing, I have been very happy with the speed and quality of Daniel’s service. Scored 4/5 on value for money as the advice wasn’t cheap and outcome will only be fully realised over time...

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Sussex

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

I was after help with my pensions which I had not reviewed for 12 years & needed help as to the best way forward to maximise my final pension pot.

How has Daniel Karim helped you?

Daniel reviewed my current financial status & particularly my pension plans and looked at the best options for me, he was clear and thorough in his approach & advice. He helped me to fully understand what I need to do to get my pensions working more effectively for me.

Have you seen the outcome you were hoping for?

I was happy with the advice Daniel gave me and have now implemented his recommendations & am hopeful for a good outcome. I believe with Daniels advice my pensions will now perform far better than if I had stayed with my original provider, time will tell.

What could they have done better?

I believe Daniel went above & beyond my expectations and am looking forward to his advice in the years to come.

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with Daniel

I find the whole subject of pensions and inheritance planning a minefield. Daniel has managed to find a way through that minefield and has explained things in a clear and concise way. He has proposed a strategy and is currently in the process of collecting all the information prior to implementation. It has been a valuable and enlightening experience.

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with Daniel

Early days but I think we can progress to mutual benefit

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Kent

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

I was looking for a mortgage. I was also looking for advice on life / disability insurance and income protection.

How has Daniel Karim helped you?

Daniel was very quickly able to understand the mortgage that I required, and start looking for potential products. He explained the process clearly and communicated well all the way through it. He then took me through the insurance and income protection options best suited to my family and I, and very quickly provided a recommendation that was clear and helpful.

Have you seen the outcome you were hoping for?

Daniel was able to find a mortgage product which fit my borrowing needs. The process with the mortgage provider was a challenging one but, all through the process, Daniel remained positive and put in the extra effort to try to ensure that I got what I wanted. He was able to deal with a difficult situation professionally and with a great deal of care.

What could they have done better?

I cannot think of anything that Daniel could have done differently. All of the challenges that we had to deal with were outside of his control, and he responded to them well.

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Daniel

Very personable, informative and knowledgeable. We have changed our plans and have decided to buy a property rather than investing our capital.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in London

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

I was looking to review my current pensions with the view to moving them into a more cost effective plan.

How has Daniel Karim helped you?

Daniel suggested moving both of my existing pensions into one much more cost effective plan with a different provider. This he has now done quickly and successfully.

Have you seen the outcome you were hoping for?

Yes - so far so good.

What could they have done better?

Very happy so far. I feel confident now going forward that Daniel will keep an eye on things and continue giving excellent advice and guidance.

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Daniel

Very pleasant and detailed initial discussion to understand current situation and aspirations.

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel was extremely quick in getting back to me. He understood my needs and made several recommendations. He certainly gave me the confidence that he knew his area of business very well indeed. I would recommend him without hesitation.

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Daniel

Gave us a little more than most.

Review from verified client

July, 2017

Overall

Advice

Service

Value

Based in London

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

My pension fund was not being managed effectively.

How has Daniel Karim helped you?

He advised on the best pension plan available and asssisted with a seamless transition from my old plan to the new one.

Have you seen the outcome you were hoping for?

Yes.

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Daniel

We had a conversion then have not heard from him. Perhaps he has forgotten us.

Daniel's reply

Dear Jeff. Many thanks for your initial impressions review. You approached me for a complimentary financial plan and during our positive conversation I mentioned that it would take a week or two for me to get done this for you, which you said was fine. I've actually completed this and sent it to you ahead of schedule, and I await your feedback and availability to discuss it further, including our arranging of a complimentary initial consultation. As I've done everything as promised and ahead of schedule, I feel that your rating is unfair. Kind regards.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Daniel

He's very professional, communicates well, has been very good so far.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel was extremely helpful thorough and knowledgeable and made me feel at ease discussing my finances with him.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Daniel

It has been a pleasure working with Daniel so far - he has been helpful, clear and professional and his well rounded approach makes me confident that he is going to deliver a solution that is tailored to our specific financial needs.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel was very professional & upfront

First impression from a user who is not yet a client

May, 2017

Overall

Please provide a brief comment about your experience with Daniel

Daniel was patient and listened to what I said

First impression from a user who is not yet a client

May, 2017

Overall

Please provide a brief comment about your experience with Daniel

Are we the only couple in our 50s who have been bumbling along with our financial affairs, without ever sitting down taking stock and planning for our future goals and priorities? I suspect not and would encourage others to seek external professional advise to guide you through the confusion of pensions and other financial planning. Daniel has been valuable in facilitating this and feel sure we will be working with him for the long term, even the complimentary introductory meeting highlighted some key thing that I had overlooked and can pursue independently for our benefit. Daniel responded promptly to our enquiry and has been most helpful, personable and transparent in guiding us. We feel in our comfort zone and conversations have been open and honest and appropriate to our situation.

First impression from a user who is not yet a client

May, 2017

Overall

Please provide a brief comment about your experience with Daniel

Very swift response and detailed review of my requirements by phone. All good so far.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Surrey

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

I felt confused by the range of products on offer, and wanted someone to help me navigate the complexity.

How has Daniel Karim helped you?

Daniel provided high-quality and focussed advice in a number of areas, which have led to my investing in a much higher-performing portfolio of investments.

Have you seen the outcome you were hoping for?

Yes!.

What could they have done better?

No suggestions - great performance.

Review from verified client

May, 2017

Overall

Value

Advice

Service

Based in Outside UK

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

I had established my own company and required financial advice about protecting myself financially.

How has Daniel Karim helped you?

Dan presented me with numerous options based upon my requirements and my ability to afford the suggested offerings. He helped me to decide the on the options that provided the best cover and growth based upon my ability to afford the products.

Have you seen the outcome you were hoping for?

I did see the outcomes I was expecting while I was still resident in the UK. I have subsequently moved away from the UK. The products were well suited to my needs while I was still self-employed and living in the UK.

What could they have done better?

I cannot honestly recall any aspect of the service I received that I was not happy with, or that Dan could have improved upon.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Berkshire

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

I was looking to consolidate all my pensions in one pot as well as find better deals on life assurance as well as other insurance policies.

How has Daniel Karim helped you?

Daniel, listened to understand my needs and then drew up various options to meet them. Once I had made the choices that suited my circumstances Daniel efficiently prepared the documents and contacted the providers. He guided me through every step of the process so that it was a seamless transition. He made it understandable and easy.

Have you seen the outcome you were hoping for?

Yes. I ended up with better products that suited my needs as well as helping me to save money in the near and long term.

What could they have done better?

Nothing to report

First impression from a user who is not yet a client

October, 2016

Overall

Please provide a brief comment about your experience with Daniel

I selected more than one advisor and very pleased with those I visited in their respective offices, including Daniel. He was attentive, reassuring and understanding of my requirements. I would definitely recommend a visit.

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

I didn’t actually know I was looking until I met him through an in-house scheme at work. I was interested to find out about the service and effectively to have a financial health check, to see how it might help me. He also put me in contact with his expert mortgage colleague.

How has Daniel Karim helped you?

Daniel took the time to find out about me and my concerns, which were to do with protection and risk mitigation planning…the ‘what ifs’. This was done in a really non jargon, non-product way. He explained and related concepts to me in a way that made me realise that my planning, whether investing, getting good returns, or retirement and pensions planning etc, all need to be underpinned with illness and death plans.

Have you seen the outcome you were hoping for?

I had no protection planning in place personally and no benefits or sick pay via work, so a really big gap! Thankfully, Daniel has hand held me through the process and everything is now in place at lightning quick speed. I feel really reassured and much more confident now in tackling life’s challenges. So, yes, much more than what I'd even hoped, imagined or expected!.

What could they have done better?

Nothing at all. I feel really comfortable and we’ve developed an excellent relationship and I always recommend him to my colleagues, friends and family, for any of their needs. I really feel like he’s got my interests at heart. Daniel has even regularly chased me up, in a very friendly, firm and fair way, ensuring things get done for my best interests, rather than letting my big gap continue!

Review from verified client

September, 2016

Overall

Value

Service

Advice

Based in

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

I had a frozen pension and wanted a financial adviser that can put my things in right ordered and I m pleased that I found Daniel.

How has Daniel Karim helped you?

He has helped me to put all pension that had been all the places together and see the results has started coming.

Have you seen the outcome you were hoping for?

A lot of changes, yes.

What could they have done better?

He has been helpful, always there when you need him

First impression from a user who is not yet a client

September, 2016

Overall

Please provide a brief comment about your experience with Daniel

Daniel is a very knowledgeable financial adviser and it was very reassuring talking to him as this is something that I am very much new to. Daniel took me through a very clear explanation of BLG's services, fees, and next steps. I left the introductory meeting feeling very much informed and I would not hesitate to recommend someone in my position to explore how Daniel and BLG could help them too.

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

We wanted to consolidate our various investments not only to maximise our returns but to have one point of contact in the future.

How has Daniel Karim helped you?

Daniel takes time to explain everything and made us feel at ease before making our final investment decision His customer service is excellent and he responds to any of our queries immediately.

Have you seen the outcome you were hoping for?

We have seen more than the out come we were hoping for.

What could they have done better?

Nothing

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

I was recommended to my advisors company by a friend who was getting far better returns on his investments than me.

How has Daniel Karim helped you?

Needed to consolidate a wide range of poor performing investments.

Have you seen the outcome you were hoping for?

Yes more than was hoped for.

What could they have done better?

I think my advisor has tried to achieve all I've asked for At this present moment There is nothing he could have done better

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

Firstly, I had a lump some of money that needed investing. Secondly, I wanted my pension and my ISA to work harder for me.

How has Daniel Karim helped you?

Daniel delivers an excellent personal service. He takes all my personal and financial requirements into account before giving, what I think is, sound informative advise. Daniel is very knowledgable and thorough and is very attentive to detail, which gives me great confidence in his abilities. I was so pleased with how Daniel made my initial portfolio perform, I moved my ISA and pension over to him too. I can not recommend Daniel highly enough to anyone who needs advise on their finances.

Have you seen the outcome you were hoping for?

Yes, and more.

What could they have done better?

Not sure I can think of anything. I am more than happy with my first financial year with Daniel.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Essex

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

I required to release capital from a defined benefit pension scheme and transfer to a scheme allowing flexible draw down options.

How has Daniel Karim helped you?

Daniel has been helpful in outlining various options and working in conjunction with industry specialists has been able to offer efficient resolutions to my needs. He has understood the requirements and communicated well.

Have you seen the outcome you were hoping for?

We are now working towards completing the transfer and moving forward to managing funds in the future.

What could they have done better?

Perfectly happy with progress so far.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Cardiff

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

scheme in work.

How has Daniel Karim helped you?

done all paperwork.

Have you seen the outcome you were hoping for?

hard to tell at moment.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Nottinghamshire

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

To evaluate pension options and create protection plan to ensure future financial stability for my family.

How has Daniel Karim helped you?

Daniel sourced a range of options for income protection as well as arranging pension plans.

Have you seen the outcome you were hoping for?

In terms of initial discussions and speed of service, Daniel has delivered and created a tailored approach to my personal requirements. I am confident this will provide the stability I am looking towards in future years.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in London

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

Had a multitude of different products and needed to make sure I had the right products providing the cover I needed.

How has Daniel Karim helped you?

Analysed all the information and recommended what was required as a priority. other reviews and recommendations are ongoing.

Have you seen the outcome you were hoping for?

Still work in progree.

Review from verified client

May, 2016

Overall

Advice

Value

Service

Based in London

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

I wanted to get advice on Pension.

How has Daniel Karim helped you?

Daniel did a 360 degrees overview of my financial situation and came back with a comprehensive set of financial products to achieve my plan: pension, medium term investment and insurance. The products he recommended were clearly relevant and selected within the budget constraints. Daniel was always happy to explain to me the investments trade-offs with crystal clear analogies.Beyond his financial skills Daniel provide an outstanding service: replies to enquiries in less than a day; schedule calls and meetings at convenient times for busy professionals; always make sure that the time with him is spent on the most important topics.

Have you seen the outcome you were hoping for?

Yes, I am very pleased with the outcome of the recommendation. I also feel that Daniel will keep adding value by looking after my financial situation in the long term.

What could they have done better?

Daniel is always happy to go the extra mile, you just need to ask. So here are some suggestions: Budget recommendations: Daniel did a great work on recommending the financial products within the budget. But what can I achieve if I make the budget a little bit larger? What opportunities I am missing out? I am always happy to review my budget if I understand the tradeoffs involved. Suggested readings/material: After each meeting with Daniel he always gave me the papers that summarise what we talked about. This is excellent material that covers the products he recommended. For people that want to improving their financial knowledge it would be great to also have some external links/resources for an in-depth analysis of the covered topics. For example: How does tax relief work on pension? If I am buying an insurance product, where I can find interesting stats about the risk I am covering?

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in London

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

Needed help organising finances.

How has Daniel Karim helped you?

By organising my finances.

Have you seen the outcome you were hoping for?

Not yet as I have a six year plan.

What could they have done better?

Nothing more other than what he did

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Daniel

Daniel is a great professional and helped me plan my financial future. Totally recommended

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Daniel

Efficient, good communicator

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Daniel

Great meeting. Looking forward to working together

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Daniel

Daniel is helping me with my pension arrangements at a time where recent legislation , and proposed changes to my existing scheme are both important. He has shown a clear understanding of the goals I aim to achieve,whilst outlining the options available. I am looking forward to working with Daniel in the future and would happily recommend his services.

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Daniel

I met Daniel to discuss issues related to inheritance tax, and I found the meeting with him very helpful. Although he could not answer some of my questions he redirected me to an accountant who gave very clear and concise guidance on how to proceed. I think he will be very approachable and reliable as an adviser with a good network to help people out with their financial needs/questions.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Essex

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

I was looking for good grounded solid advice regarding financial issues which can be overwhelming.

How has Daniel Karim helped you?

Daniel reviewed my situation and offered great advice catered to my lifestyle and financial position.

Have you seen the outcome you were hoping for?

Absolutely, Daniel is extremely diligent and detailed, he leaves no stone unturned and is extremely professional.

What could they have done better?

Nothing

Review from verified client

October, 2015

Overall

Service

Value

Advice

Based in Kent

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

We wanted to consolidate all are various investments not only to maximise our returns but to have one point of contact in the future.

How has Daniel Karim helped you?

Daniel took time to explain everything in detail giving Daniel was very good at explaining options before we made our final decision on his investment recommendations.

Have you seen the outcome you were hoping for?

Early days, time will tell.

What could they have done better?

Nothing

Review from verified client

October, 2015

Overall

Service

Value

Advice

Based in Kent

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

Needed to consolidate my various investments to there best advantage.

How has Daniel Karim helped you?

Daniel made sure we felt at ease with his advice and his attention to detail is exceptional. His customer service was excellent and responds immediately to any queries we may have.

Have you seen the outcome you were hoping for?

We have only just started our investment plan so we can not give an opinion on the outcome yet.

What could they have done better?

Nothing

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in London

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

I have two frozen pensions and I want to put them together and investe it somewhere.

How has Daniel Karim helped you?

Daniel is one of the best in town, he pays attention to details and ask you what you want and from there he bring his experts.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I m really happy with everything

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in London

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

I had a lump sum of money that need to be invested.

How has Daniel Karim helped you?

Excellent personal service and takes on board all my individual needs. He is responsive to any of my queries and thinks very carefully before giving me his advise. He is very knowledgeable and has great attention to detail, making me feel reassured that he has considered all the options when advising me on money matters. I would recommend Daniel to anyone who needs advise on any financial endeavours.

Have you seen the outcome you were hoping for?

Have only just invested the money. To early to have any form of an outcome.

What could they have done better?

Can't think of anything Daniel could have done better. He listened to my personal needs and was very patient, concise and thorough.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in West Sussex

How has Daniel Karim helped you?

Daniel has been a great help to our business and supported us in a very holistic fashion as opposed to dealing with issues individually. This is very refreshing for us and helps to form a very solid ongoing business relationship between us and Daniel. Daniel also pays great attention to detail and considers our needs no matter how specific they may be. Daniel shares his ideas clearly and is also very accessible, this is very important for us as we must be able to trust the professionals within our team.

First impression from a user who is not yet a client

June, 2014

Overall

Please provide a brief comment about your experience with Daniel

He was very professional,but I only wanted to invest with a small amount of spare cash, not to have All our Portfolio adjusted.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in West Sussex

How has Daniel Karim helped you?

Daniel is a very personable and thoughtful individual, he takes time to individually understand his clients circumstances which greatly improves his service. He understands how to co-ordinate effective advice and when to involve additional experts into the mix. He is very punctual and easily accessible, and happy to share his ideas and knowledge.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

Very responsive to requests, fairly well organised in compiling documentation

What could they have done better?

Sometimes a little over enthusiastic

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Surrey

How has Daniel Karim helped you?

Danny listened very well to us and understood our needs in the context of where we were in our lives. He was patient and measured in his approach and brought to our attention potential issues for consideration---in essence, challenged our assumptions about life which was exactly what we needed.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

He was. Very knowledgeable in his field of expertise. He did reaserch into the best product suitable for me and my family.

What could they have done better?

Use of laptop to show projections

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

Clearly explained the different options I have. Would highly reccomend...

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

He explained everything thoroughly. He was very calm and collected at all times and no question was any problem for him to answer. It was quite a delight to deal with him. I hope this does not change in the future contacts with him.

What could they have done better?

Nothing

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

To date I have found Daniel very diligent and would recommend you take take his advice.

What could they have done better?

Good question. As yet I don't feel qualified to answer that.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

Excellent advice. objective and willing to propose what is really in the best interest of the client.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Surrey

How has Daniel Karim helped you?

Excellent personal service and responsive to my queries. Knowledgeable and provides impartial advice. would highly recommend Dan to assist you with your financial planning needs.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Surrey

How has Daniel Karim helped you?

Daniel is very thorough and attentive to detail, giving confidence that he has considered all the options when advising on financial matters. He is also careful to cross-check his assumptions at all times, to ensure that they fit my needs.

What could they have done better?

I am very happy with Daniel's advice, and don't have and suggestions for improvement.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Outside UK

How has Daniel Karim helped you?

Daniel is a very responsible and committed professional. His knowledge on the subjects he was aquired to assist and advise me with has been exceptional and he never hesitated to "go the extra mile". He has a genuine approach and a likeabale positive energy, which makes working with him a pleasure. I would definately welcome the opportunity of seeking his advice and professional services in the future and I would highly recommend him!

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Daniel Karim helped you?

My husband and I had problems with our investments prior to receiving advice from Daniel. He took time to help us understand our needs and requirements. The result was that our new strategy was much more effective, making up a lot of lost ground from our past experiences. This has always been done in a way that has made us totally comfortable and reassured, which has included regular contact, review and aporopriate action. All of this without jargon and being very professional.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in Berkshire

How has Daniel Karim helped you?

Comprehensive analysis of options and great follow up when I had questions.

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in London

How has Daniel Karim helped you?

Takes an overall view of business and personal needs.