Reviewed for

Insurance and Protection ( 11 )

Mortgages ( 2 )

Pensions ( 53 )

Retirement income (annuities, drawdown) ( 18 )

Auto Enrolment ( 1 )

Investments and Savings ( 35 )

Pension Transfers - Non Specialist ( 9 )

Inheritance Planning ( 10 )

Long Term Care ( 1 )

Pension Transfers - Specialist ( 6 )

Financial Planning ( 4 )

Financial Mentoring ( 1 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 6 )

£200k - £500k ( 12 )

£100k - £200k ( 2 )

Up to £50k ( 4 )

£50k - 100k ( 3 )

Client reviews

This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in North Yorkshire

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

I had a complicated Pensions contributions record with the NHS, which only became evident after contacting Rachel around 2 years ago, when I had contacted her for initially general advice, although the differing figures received from the NHS were hinting that I had a problem. Having discussed this with my Accountant it was she who recommended Rachael to me.

How has Rachael Hall helped you?

Rachel (and her excellent Team) strove tirelessly in the background to resolve my figures with the NHS and PCSE. At times it felt like little was happening but every few months she would give me an update which clearly showed she had made significant progress and information started appearing from NHS BSA suggesting my Pension figures were becoming more transparent. However, Rachel showed her true worth in remarkable fashion as the Pension was just about to complete. During the application process I was unlucky enough to develop a significant and serious illness. I contacted her to tell her this news not expecting her to do anything with it other than commiserate but she immediately noticed that I could make a Tier 2 ill-health claim on the 2015 part of my Pension (my 1995 Pension would continue as an age-related normal Pension claim at age 60y), and this led onto the Tier 2 ill-health claim being converted to a Terminal Illness Benefit rather than a Pension. The end-result is that I now have a lump sum (rather than a Pension) which is of far greater value than my simple 1995 Pension and does not end upon my death. Although I gain nothing material from this I now have the peace of mind of knowing for definite that my Wife and Son will be well financially secure following my demise, and being able to look at actual sums of money means that my Wife will be able to take further financial advice with a degree of security that she may not have had before. I was very impressed by Rachel's actions over the above and I do wonder if anyone else would have noticed this - which would have meant I would have received a much lesser amount.

Have you seen the outcome you were hoping for?

Yes - and much more.

What could they have done better?

Rachel could not have done anything better. Without Rachel's help I am convinced that I would be sitting now almost 2 months after my pension payment date with this terrible illness not having received my Pension, and if I had it would be much smaller than I have now. I cannot recommend Rachel highly enough.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I was looking to get some advise on investing a large sum of money I received after a family death.

How has Rachael Hall helped you?

She has went above and beyond to advise and help me understand where to invest my money. She really made me feel at ease.

Have you seen the outcome you were hoping for?

Yet to see results only just invested.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Essex

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

Being a GP partner but also receiving 4 or 5 payslips a month from the ICB in the NHS.

How has Rachael Hall helped you?

Confidence and peace of mind. What happens if I kark it.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

NOTHING

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Durham

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

Investment of retirement lump sum.

How has Rachael Hall helped you?

Helped me sort out my pension application, and then invest my lump sum. Then looked after my portfolio since.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really. Not the greatest economic times but that’s just the way it is.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Durham

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

Problems accessing my NHS pension

How has Rachael Hall helped you?

She advised me how to cancel enhanced protection, and apply for individual protection instead

Have you seen the outcome you were hoping for?

yes

What could they have done better?

a quicker reply, but i think she was on holiday.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in North Yorkshire

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

I needed advice regarding my NHS pension to help with planning for the future.

How has Rachael Hall helped you?

Rachael clearly has an excellent understanding of the NHS pension system and is able to tailor her advice to my individual situation.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in North Yorkshire

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

NHS Pension

How has Rachael Hall helped you?

Vast knowledge of all aspects of the NHS pension and individual reports

Have you seen the outcome you were hoping for?

Definitely

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Northumberland

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

NHS pension problems.

How has Rachael Hall helped you?

Investigated the pension issues I was having thoroughly, and identified the cause. Gave me clear advice to resolve the issues.

Have you seen the outcome you were hoping for?

Yes. Better than I was expecting. I I ended up receiving money owed from my employer when before the process it seemed that I was saddled with a large unexpected tax bill. This has now been resolved.

What could they have done better?

Nothing. Excellent service, thanks.

First impression from a user who is not yet a client

September, 2022

Overall

Please provide a brief comment about your experience with Rachael

Very impressive package offered on fist consultation, Rachael clearly has thought in detail about what is required to offer a holistic package of financial advice (I am a senior medical consultant).

First impression from a user who is not yet a client

July, 2022

Overall

Please provide a brief comment about your experience with Rachael

Concise focussed meeting with clear plan to resolve financial problems - have already recommended to a colleague

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Nhs pensions and the implications of the Mccloud judgement. Retirement planning for the future.

How has Rachael Hall helped you?

Rachael has been amazing! She explained all the options available to me and gave me some valuable advice on planning financially for the future. I now have a clearer idea of my goals and how to achieve them.

Have you seen the outcome you were hoping for?

I have only spoken to Rachael a few times recently but I will definitely be taking her recommendations and following her advice.

What could they have done better?

I am very happy with the advice I have received and would recommend Racheal to my friends and relatives. My feedback is positive.

Review from verified client

December, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

My husband died and I needed advice on pensions and investments for a future income.

How has Rachael Hall helped you?

Rachael expertise was invaluable in sorting out my finances. She is a leading adviser in her field, reliable and dedicated to the welfare of her clients. She made the problems I encountered easy to solve at a very difficult time in my life. Recently I have had to make changes in my investments and Rachael gave my the good advice I needed.

Have you seen the outcome you were hoping for?

Yes, I am happy with the result.

What could they have done better?

Nothing.

Repeat review from verified client

December, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Northumberland

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

How has Rachael Hall helped you since your last review?

She has kept us informed

Repeat review from verified client

November, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in North Yorkshire

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

How has Rachael Hall helped you since your last review?

She continued to provide advice and support in securing my NHS pension at the correct amount - considerably reducing the stress levels for me. I was very grateful to have her on my side.

Rachael's reply

Its been an absolute pleasure, Tim. Really happy to have supported you on your retirement journey and we wish you the very best of luck for the future. Always here if needed!

Repeat review from verified client

November, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Surrey

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

How has Rachael Hall helped you since your last review?

Rachael has been amazing and has been very helpful. She has looked at my situation and my NHS pension complications and has provided excellent advice. She has indept knowledge about NHS pension problems and knows how to fix the issue. I highly recommend her for all financial and pension related queries.

Repeat review from verified client

November, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Durham

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

How has Rachael Hall helped you since your last review?

She has helped me take the final tax free amount out of my pension to fund upgrades to my home

Review from verified client

August, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Concerns about annual allowance and implications of getting a lease car through a salary sacrifice scheme on this and future pension.

How has Rachael Hall helped you?

Clarified my needs/ priorities. Seemed to have my interest at heart and was not pressurising at all about incurring cost for further advice that might not be necessary. Very knowledgable about NHS pensions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

First impression from a user who is not yet a client

July, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Please provide a brief comment about your experience with Rachael

Very well informed and professional. Answered all my questions clearly and concidely.

Review from verified client

June, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Hertfordshire

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

NHS Pension queries

How has Rachael Hall helped you?

Rachael gave clear advice. She answered my queries patiently. She explained the services provided by her firm in a succinct manner. She has an excellent grasp of the NHS pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cannot think of anything specific

Review from verified client

March, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in North Yorkshire

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

Ill health caused my proposed retirement to be brought forward

How has Rachael Hall helped you?

Rachael, explained in clear terms, all my options and once a decision was made ensured all matters were resolved. She was always available and kept me fully updated as to the progress of matters.

Have you seen the outcome you were hoping for?

All issues around AA, LTA and ill health retirement were satisfactorily resolved.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Durham

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

How has Rachael Hall helped you since your last review?

Continues to help me plan my retirement

Review from verified client

December, 2020

Overall

Value

Service

Advice

Based in North Yorkshire

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

I was being hit by unexpected Annual Allowance charges on my Pension which potentially could significantly alter my expected retirement date.

How has Rachael Hall helped you?

She contacted Primary Care Support England and was able to talk to people who could actually look at my case and start work on clearing a few anomalies which have accrued over the past few years. If anyone knows the difficulties involved in having PCSE do anything at all then you'll appreciate what a help this is.

Have you seen the outcome you were hoping for?

Not yet. PCSE are still dragging their feet but I have had at least one year of anomalies cleared up with a resultant rebate of overpaid Superannuation which will actually cover Rachael's fee !

What could they have done better?

An irregular and infrequent update on the situation would be reassuring.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

How has Rachael Hall helped you since your last review?

Rachel 's advice helped achieve expected income despite an uncertain year.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

How has Rachael Hall helped you since your last review?

Rachael is really on the ball as to how the market is likely to affect my pension investment, and responded quickly when the market dropped and contacted me immediately.

First impression from a user who is not yet a client

December, 2020

Overall

Please provide a brief comment about your experience with Rachael

It gave me information that I was unaware of, and explained the clear process of transferring a final pensionable salary scheme.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Durham

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

How has Rachael Hall helped you since your last review?

Rachael is in regular contact and is proactive .

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Durham

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

Long term financial planning.

How has Rachael Hall helped you?

Clearly set out all the options and helped us come to the best solution for us.

Have you seen the outcome you were hoping for?

Yes, all on track!

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Northumberland

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

Redundancy

How has Rachael Hall helped you?

Advised on consolidating pensions and investing

Have you seen the outcome you were hoping for?

As well as can be expected due to the current situation

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Worcestershire

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

I needed to clarify the annual and lifetime allowances and HMRC liabilities on my NHS pension

How has Rachael Hall helped you?

Rachael collated all the information available on NHS pension contributions and allowances including from my employer and was able to advise how to proceed. As a result I needed an accountant who specialises in calculating the tax owed due to breaching NHS pension calculations. It should be noted that I had had a previous IFAs who advertised as an NHS pension specialist. An expensive mistake as by the time Rachael reviewed my status I owed a six figure sum to HMRC which wiped out my lifetime savings. I am immensely grateful to Rachael for her pragmatic and professional advice. Not once has she given me the ‘hard sell’ for any services, unlike the other 4 IFAs that I met when deciding who to appoint to help me. For the first time in 2 years, I now have peace of mind.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, she has been tremendous, despite the coronavirus pandemic.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Surrey

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

NHS pension annual allowance breach.

How has Rachael Hall helped you?

She went through my file and contacted the NHS pension department and identified the mistakes that they had made. She reduced my pension bill by more than 50,000£.

Have you seen the outcome you were hoping for?

Yes-Excellent outcome

What could they have done better?

none

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in North Yorkshire

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

Sorting out issues with my NHS pension and retirement planning

How has Rachael Hall helped you?

Helped me understand my situation and what we needed to do- clarity of thought Did what needed to be done efficiently and effectively - action Above all she has given me confidence

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

She has done everything just right

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

My husband had retired early and I wanted to investigate the possibility of retiring early.

How has Rachael Hall helped you?

Rachel helped me understand the various options open to me, pointing out the risks and benefits associated with them.

Have you seen the outcome you were hoping for?

Yes, I now have the opportunity to retire early.

What could they have done better?

I am happy with the service provided.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I required financial advice on pensions and savings and investments on my retirement

How has Rachael Hall helped you?

Rachael gave me advice on all of my options regarding the best possible way to get maximum returns on my pensions and investments

Have you seen the outcome you were hoping for?

Due to the current situation regarding the covid pandemic and brexit negotiations I haven’t seen the outcome I was hoping for. I would like to think things will improve in the not too distant future.

What could they have done better?

The only minor thing would be a quicker response to information requests which I know was sometimes unavoidable due to delayed responses from some of the pension companys

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Durham

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

How has Rachael Hall helped you since your last review?

She keeps in regular contact but there has been no change to my circumstances since my last review

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Durham

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

Wanted to retire early

How has Rachael Hall helped you?

She managed to get my dB pension into a private pension so I could retire early

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing The delay was my dB pension administration people

First impression from a user who is not yet a client

December, 2019

Overall

Please provide a brief comment about your experience with Rachael

Not met her yet, but all e-mail correspondence has been helpful.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Durham

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

Pension planning Income protection

How has Rachael Hall helped you?

Arranged private pension through my company

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don’t think she could have done better

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Northumberland

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

we were looking for advice with our nhs pensions and some under performing investments

How has Rachael Hall helped you?

Took the time to get all the appropriate information required to make a judgement on the best way forward

Have you seen the outcome you were hoping for?

We are still in the process of working through the potential scenarios

What could they have done better?

Nothing to date

First impression from a user who is not yet a client

December, 2019

Overall

Please provide a brief comment about your experience with Rachael

Rachael is the best financial advisor I have dealt with. She is both professional and personable and at no point did I feel she was unable to fully understand what I required from her services. She was very flexible in meeting my very limited availability and the time we spent was always constructive and focused. I very much appreciated her knowledge of the financial products and trusted her advice.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

I was left a widow and pensions from my husband that needed to be invested to best provide for my personal circumstances.

How has Rachael Hall helped you?

She researched what would be best for me and was most sympathetic as to my personal position. I had not had to deal with financial matters before and was ignorant about such matters but Rachael's knowledge,experience and empathy made it much less daunting than it might have been.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I do not think that Rachael Hall could have done anything better for me.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Durham

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

I have had a financial adviser since my children were born as we felt that we needed to plan for their long term future and my husband for his retirement.

How has Rachael Hall helped you?

Rachael has helped to ensure that our investments are well managed and advised on us long term planning for retirement.This has included pension management and inheritance planning . She has also advised our 2 sons and we have ensured that pension plans have been taken for them

Have you seen the outcome you were hoping for?

Yes we are extremely pleased with how well Rachael has advised us and how are investments have grown.

What could they have done better?

I can't think of anything Rachael could have done better.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Doctor in NHS seeking advice re: income, pension maximization and current AA taper issue

How has Rachael Hall helped you?

Sought correct documentation from Trust and NHS Pensions Confirmed amount of pension to which I was entitled and looked at strategies to minimise tax via use of Added Years Ongoing updates regarding changes to Annual Allowance and Lifetime Allowance, and the more recent issues related to tapering - Rachael has been proactive in ensuring that we have a dynamic strategy to keep my earnings below the necessary thresholds

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

I have nothing to add - Rachael is an excellent advisor and I would not hesitate to recommend her to colleagues (and indeed have done so on numerous occasions)

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Northumberland

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

We had savings and pensions spread across various companies and needed to simplify matters.

How has Rachael Hall helped you?

After initial consultations, , Rachael collated and consolidated all of the different financial information from us, to determine our financial aims and investment risk attitude. She has produced Risk Profile Summaries and thorough Financial Planning Reports to keep us up to date with any variables. Rachael helped us structure our finances, suggesting options that would not have occurred to us.

Have you seen the outcome you were hoping for?

Rachael helped put our savings and pension into income drawdown and continued investment. She is a professional who gives good knowledgeable advice while being open and honest. Over the years, her advice has achieved savings and earned us returns.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Northumberland

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

Divorce

How has Rachael Hall helped you?

Took ownership of the pension sharing and helped me understand how to save and advised on ISA investment.

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

It can always be simpler!!!

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Lack of knowledge in the area of finance and investments.

How has Rachael Hall helped you?

My wife and I met Rachael in January 2009. She helped us organise our savings, gave us impartial advice on investments and on how to improve their tax efficiency. Recently she has advised me about my NHS pension.

Have you seen the outcome you were hoping for?

Yes we have. We have felt safe in the knowledge that the advice was impartial and that Rachael genuinely put her clients first.

What could they have done better?

Nothing that comes to mind other than perhaps have her procure a crystal ball! Over the decade that we have kept Rachael as our financial adviser we have followed her through a number of institutions as she has progressed in her career to only just recently set up her own practice. We wish her every success. Of course, we would rather have not had to go through the inconvenience but we understood why it was happening and Rachael did her level best to keep us informed. The fact that we chose to remain her clients throughout this is testament to value we placed on her advice.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Durham

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

I wanted to move out of my DB pension

How has Rachael Hall helped you?

Helped me to navigate the complex process and was very patient with me. Advised me on my vision to retire early. Advised what was and what was not possible for me to do.

Have you seen the outcome you were hoping for?

Yes. I have retired 7 years early and paid my mortgage off. I am now better off than when I was working and my quality of like is vastly improved.

What could they have done better?

Nothing really. The problems I had were all due to my previous DB pension administrator and the change to the DB transfer process in October 2018. My advisor told me the process would take longer than it did and she was right. Again down to previous DB pension administration.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Needed advice to achieve income from savings.

How has Rachael Hall helped you?

Rachael helped me to consolidate my savings and produce the income I wanted. She explained everything and kept in touch as we set it all up.

Have you seen the outcome you were hoping for?

Early days yet but I expect to it to.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

We required advice on our investments and have known Rachael since 2008.

How has Rachael Hall helped you?

Originalky, Rachael advised us on our investments and then when my late husband died, she helped us with probate and continues to advise the family on inheritance tax and estate planning. Rachael is very friendly and diligent. We are very happy with her services!

Have you seen the outcome you were hoping for?

We seem to be doing well and making a profit.

What could they have done better?

Nothing.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Northumberland

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

I had a lump sum to invest, following the sale of a property and I asked Rachael to invest this for me.

How has Rachael Hall helped you?

Advised me on a suitable investment.

Have you seen the outcome you were hoping for?

Yes definitely. The investment seems to be very good and is making a decent amount of money. I am looking forward to receiving the January statement, despite the uncertainty in the markets.

What could they have done better?

Nothing.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Kirkcudbrightshire

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

Money to invest

How has Rachael Hall helped you?

Found investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

An office in scotland

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

I needed to set up a pension scheme for my limited company.

How has Rachael Hall helped you?

She navigated all of us through the process, and helped set up the scheme.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. She was very good, knowledgeable and professional at all times.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Durham

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

Income protection and pension advise for my company

How has Rachael Hall helped you?

Rachael helped me with all aspects of arranging cover and investing

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

We needed professional advice on several different monetary issues.

How has Rachael Hall helped you?

Rachael has always advised us carefully and suggested different possible options. She is very knowledgeable and we trust her to do the best for us.

Have you seen the outcome you were hoping for?

We have been very satisfied with our investments etc. over the years we have known Rachael.

Rachael's reply

Thank you, Angela. It has been a pleasure working collaboratively with you and the family over the years, and I look forward to supporting you for many more.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Needed

How has Rachael Hall helped you?

I needed to know what my NHS pension really meant. It was just a mass of numbers and I needed to know what it meant and how to plan my retirement. Rachael was able to make it all make sense and allowed me to plan my retirement properly.

Have you seen the outcome you were hoping for?

Yes, I have a clear and understandable plan

What could they have done better?

Not really

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Reliability, accessibility, understanding and above all independence.

How has Rachael Hall helped you?

Rachael has been advising me on my pension as well as the family savings and investments for well over a decade. We have stayed with her even when she moved to a different company because we felt she fully understood our circumstances and our approach to financial risk. She's always been patient enough to explain the jargon and to explain the different options. She can advise but is also willing to listen to our concerns and plans and adapt accordingly. I have no hesitation in recommending her.

Have you seen the outcome you were hoping for?

A difficult one to answer as the return on investment has fluctuated with the economic climate as I would expect.

What could they have done better?

I would have preferred not to have had to change platforms and companies but this was inevitable given the circumstances and in the end proved to be the right decision.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Setting up a savings plan for our children.

How has Rachael Hall helped you?

She advised me on all of our options and which plans would be the most tax efficient.

Have you seen the outcome you were hoping for?

Absolutely. The children now have Junior ISAs set up and we don't need to worry about funding their education now. Both accounts have made a good profit.

What could they have done better?

No.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Lothian

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

Setting up life insurance + trust after getting married and having my two boys

How has Rachael Hall helped you?

Reviewed needs, sourced providers + quotes and arranged trust

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Some duplication of review documents were needed but I think this was outside of Rachael's control due to changing companies and GDPR

Rachael's reply

Thank you for the review Peter, and I very much look forward to working with you and your family's changing needs in the future!

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with Rachael

Rachel called me to discuss my needs. She was very helpful and gave me advise during the call which gave me a way forward without need for any more IFA services. This was much appreciated.

Rachael's reply

You're very welcome, Jim. Incurring unnecessary costs and in your case, being quoted excessive fees, is something that we wish to avoid. I'm glad that I was able to help you come to an informed decision and I wish you all the best for your retirement.

First impression from a user who is not yet a client

July, 2018

Overall

Please provide a brief comment about your experience with Rachael

So far very knowledgable and professional

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Husband passed away and Racheal sorted out my estate.

How has Rachael Hall helped you?

invested money for my retirement and to help me retire early.

Have you seen the outcome you were hoping for?

Racheal has been providing me with sound financial advice since Oct 2015. Our goal was to invest £478.000 which would eventually allow me to draw down £30,000 pa for my retirement In three years my portfolio has increased by £161,000 Doubled my expectations. Racheal explained the current volatility of markets I'm confident that my portfolio will continue to grow. I'm also confident in Racheals overall knowledge and believe her recommendation of investing in a mixture of Diverse Investments has paid fantastic bonuses. Im delighted with the prospect that I will have a happy, healthy, wealthy retirement.

What could they have done better?

None. I have been with Racheal for three years now and don't intend to change.

First impression from a user who is not yet a client

July, 2018

Overall

Please provide a brief comment about your experience with Rachael

Very professional friendly service

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Northumberland

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

Help regarding decision making for retirement from NHS pension scheme Review of current protection arrangements for NHS and private practice.

How has Rachael Hall helped you?

Very knowledgable of NHS pension scheme (in fact more knowledgable than any other advisor that I have had dealing with); creative and individualised solutions to my circumstances rather than just a 'one size fits all' approach Happy to work at my timescales Reviewed current protection arrangements and made improvements both in terms of the level of cover but also a reduction in premiums.

Have you seen the outcome you were hoping for?

Definitely.

Review from verified client

April, 2017

Overall

Advice

Service

Value

Based in Durham

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

Options about early retirement and investment of some pension crystallisation.

How has Rachael Hall helped you?

Option appraisal about retirement and investment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I'm happy with the service Rachael gave me

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Rachael

Very patient, friendly and informed. Can't speak highly enough of her contribution.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Northumberland

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

Divorce.

How has Rachael Hall helped you?

Helped with investing pension share.

Have you seen the outcome you were hoping for?

Not yet - early days.

What could they have done better?

Nothing at the moment - very helpful, friendly and insightful.

Rachael's reply

Thank you for your lovely comments Deborah. I agree that it is still early days yet, but if we stick to our plan and continue to have a regular review meeting each year, you will have a very positive outcome!

First impression from a user who is not yet a client

October, 2016

Overall

Please provide a brief comment about your experience with Rachael

HAD A GOOD DISCUSSION REGARDING FINANCIAL MATTERS AND RACHAEL IS GOING TO ASK A SOLICITOR TO CHECK OVER MY EXISTING WILL.

First impression from a user who is not yet a client

October, 2016

Overall

Please provide a brief comment about your experience with Rachael

Very easy to talk to, and really knows her business. Feedback was the following day

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Rachael

Through my own fault - I've been so busy - I have only "touched base" with Rachael to date. She rang and text me as promised.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Tyne and Wear

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

Change in circumstances and need for increased protection.

How has Rachael Hall helped you?

Rachael has provided a range of advice over a number of years. I have always found her to be extremely knowledgable in the information that she provides. She outlines a range of options and that has allowed me to make informed choices. She has an excellent and in-depth knowledge of the NHS pension scheme.

Have you seen the outcome you were hoping for?

I am extremely pleased with the advice that I have been given. This has included both with regard to investments and also the minimisation of a potential tax liability of which I would have otherwise unaware.

What could they have done better?

No!

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in North Yorkshire

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

We needed advice on planning for retirement.

How has Rachael Hall helped you?

She sorted out our investments, following some poor advice previously and consolidated our portfolio.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Some problems caused by Rachel moving jobs, but these were beyond her control.

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in Durham

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

We have always had a financial advisor since our children were born and we were planning for their future and our eventual retirement.

How has Rachael Hall helped you?

Rachael has helped us in a number of ares - managing our investments ,and savings ,planning for our retirement,and inheritance tax planning. in addition she has been helping my husband and advising us on the sale of his business.. She has introduced us to more specialist advisors when appropriate such as specialist tax advisors and accountants.

Have you seen the outcome you were hoping for?

Yes we have our affairs are now efficiently managed and we have made some vital decisions with her help and advice.

What could they have done better?

No I don't think .Rachael has always been very accessible and helpful and I would strongly recommend her.She has a high degree of knowledge in her field,

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Northumberland

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

Having had various financial advisers, who disappeared, failing to maintain contact, my wife and I were looking for someone to look at and review our investment portfolio.

How has Rachael Hall helped you?

After meeting with Rachael, we were impressed with her knowledge, her response to our risk attitude and also her desire to help guide us honestly through the maze of financial planning.

Have you seen the outcome you were hoping for?

Pretty much so, although nothing can be guaranteed, we are happy with her advice and also her ongoing commitment to us, her clients. She has maintained contact with us and regularly reviewed our portfolio, with recommendations as our circumstances change.

What could they have done better?

Other than giving us the winning lottery numbers, nothing.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in North Yorkshire

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

I heard Rachel speak at a meeting and was v impressed by her in depth knowledge and understanding of the topic ; her professional but extremely personable approach made me investigate her services further and engage her for IFA advice .

How has Rachael Hall helped you?

She has reviewed my retirement situation and given my options regarding choices and preparing fir that time;she was clear and easy to understand with options explored and contrasted in their contribution to preparing for retirement.

Have you seen the outcome you were hoping for?

I was very happy with the advice that she provided over telephone calls and face to face individual meetings; I feel much more prepared to make informed choices as I approach retirement , understanding the ramifications of the various options .

What could they have done better?

I think that Rachel provides a great service, and I look forward to consulting her again on future occasions when the need arises.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Dumfriesshire

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

On retirement the need to invest our savings wisely.

How has Rachael Hall helped you?

Listened to our needs, suggested and explained investments to give growth and income. Also over the years has built a level of friendship and trust.

Have you seen the outcome you were hoping for?

On the whole yes we are happy with the results of the advice.

What could they have done better?

As one gets older the need for reassurance increases, especially in the present climate.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Tyne and Wear

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

My husband recently passed away. I needed sound logical advice to help me secure an income fur myself while protecting my estate/finances.

How has Rachael Hall helped you?

Rachael explains everything in layman a terms. Sometimes more than once to make sure I understand completely what I can/can't do with my investments. Being flexible as to where we meet gas also been useful. Or home or at her office ( which ever I felt more comfortable with).

Have you seen the outcome you were hoping for?

It's very early days but I feel very confident that I have been able to make 'informed decisions' regarding my savings.

What could they have done better?

N/A

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Tyne and Wear

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

The services were initially included with membership of my medical association but over the years I have recognised the usefulness of professional financial advice so I have retained it.

How has Rachael Hall helped you?

She helped us rebalance our investments to match our attitude to risk and to maximise out tax efficient savings. She has also provided me with pension advice which has proved invaluable in the constantly changing pensions landscape.

Have you seen the outcome you were hoping for?

I'm happy with our financial situation in the current global circumstances.

What could they have done better?

Rachael has been very sensitive to our attitude to insurance and investment. We have always felt that she held our best interests at heart and we appreciate her genuine approach in her dealings with us.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Durham

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

I became aware that I did not have sufficient expertize to pick the best investments myself.

How has Rachael Hall helped you?

She took me through all of the various options, given my personal circumstances and placed me into the most suitable investments. I have had numerous queries which she has answered very fully. There is never any sense of being rushed on the telephone; she gives one as much time as one needs.

Have you seen the outcome you were hoping for?

Yes. Rachael has been my IFA for around five years now; I am extremely satisfied . The value of my portfolio has increased far more than I could have possibly hoped, left to my own devices!.

What could they have done better?

How could one ever know? One can only judge my how satisfied one is with the results actually achieved! All that I can say is that I am extremely satisfied and I would not consider changing my IFA.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Lancashire

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

I had a number of decisions to make about the finance of my retirement. Primarily the questions were about my NHS pension.

How has Rachael Hall helped you?

She provided a very clear personalised report with options and advice which was specific enough to amount to guidance but which was not prescriptive in any sense.

Have you seen the outcome you were hoping for?

I am still 2-3 years off retirement but my goals are now clear, and the routes to achieve those goals have been mapped out for me.

What could they have done better?

This work was excellent value for money, especially since it was followed up by a face-to-face consultation. There is no significant area that I felt could have been improved upon.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in North Yorkshire

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

Pension advice.

How has Rachael Hall helped you?

Explanation,calculations,advice.

Have you seen the outcome you were hoping for?

Sort of !.

What could they have done better?

Nothing in particular