James Hodges

Repeat review from verified client

April, 2024

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

How has James Hodges helped you since your last review?

James has continually kept on top of all of our financial situation. He has reassured us when markets have been tough over the last few years and has been there for any questions that we have no matter how trivial. He provides with regular updates as to how we are progressing against our pension planning which is key for us in the run-up to retirement. I cannot recommend James enough and have actually recommended him to a number of my friends. He is a valued advisor to myself and my husband, he’s a really lovely person who I trust with my financial position and always turns up with the smile on his face. Discussing your financial position is really personal but James always makes it an enjoyable experience. I would highly recommend James if you were looking for that trusted advisor.

First impression from a user who is not yet a client

February, 2024

Please provide a brief comment about your experience with James

Friendly, professional

Review from verified client

September, 2023

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

Inheritance tax planning

How has James Hodges helped you?

He has been extremely thorough,competent and happy to explain the minutiae.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

September, 2023

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

I was looking for a knowledgeable advisor who could help with pensions and investments

How has James Hodges helped you?

He has done an amazing and thorough work up on inheritance tax planning and general investments.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing. James is hard working enthusiastic knowledgeable and a pleasure to work with

Review from verified client

September, 2023

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

We needed investment advise

How has James Hodges helped you?

He went above and beyond to provide us with an great investment package.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

September, 2023

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

We were worried about our retirement fund.

How has James Hodges helped you?

James was great and advised us on what we needed to do to make sure we could retire comfortably. He gave us several options and explained everything, we were very happy with the service we received and James sorted everything.

Have you seen the outcome you were hoping for?

So far we are happy, the outcome will be when we retire.

What could they have done better?

Nothing he was extremely knowledgeable, friendly and professional.

First impression from a user who is not yet a client

August, 2023

Please provide a brief comment about your experience with James

Quick to respond and very attentive to overview of needs. Helpful and detailed on first review meeting

First impression from a user who is not yet a client

July, 2023

Please provide a brief comment about your experience with James

James got back to me within 24h and provided great, concrete advice that greatly helped me decide about my next steps financially.

Review from verified client

July, 2023

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

As I approach retirement I was in need of sound advice and help with future planning.

How has James Hodges helped you?

On every level. James has the ability to see the clients future needs and advise on how it can happen with a great deal of insight and understanding.

Have you seen the outcome you were hoping for?

Yes, completely.

What could they have done better?

It could no have been better.

First impression from a user who is not yet a client

May, 2023

Please provide a brief comment about your experience with James

James was very professional, efficient and helpful. He explained everything perfectly with very easy graphs to help us understand. He was happy to answer any questions and said he was always at the end of the phone if we needed anything.

Review from verified client

May, 2023

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

Needed advice on inheritance tax and probate

How has James Hodges helped you?

He advised me on completing forms regarding inheritance tax

Have you seen the outcome you were hoping for?

Absolutely, James was clear and knowledgeable. He was very helpful and professional

What could they have done better?

Nothing

Repeat review from verified client

April, 2023

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

How has James Hodges helped you since your last review?

As always James is amazing at making sure I maximise all the allowances available to me and my husband. He is keeping us on track for our retirement and is so easy to talk to. I would highly recommend and have recommended James to a number of my friends. He is my trust adviser and provides so much value! Thank you for all you do!

First impression from a user who is not yet a client

November, 2022

Please provide a brief comment about your experience with James

James was knowledgable and straight talking, a no nonsense approach that was appreciated

Review from verified client

November, 2022

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

We weren’t happy with our previous financial advisor.

How has James Hodges helped you?

James has helped us organise our finances and plan for the future. He has been extremely professional, understanding of our wants and needs and explained things with clarity.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

Review from verified client

November, 2022

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

I had reached retirement age and needed advice.

How has James Hodges helped you?

He clearly explained my options to me in a way that I understood.

Have you seen the outcome you were hoping for?

Yes, I have.

What could they have done better?

He couldn't have done any better at all.

Review from verified client

November, 2022

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

We wanted to understand if pooling our pensions could help open up better financial options.

How has James Hodges helped you?

We met James and he spent time providing useful bespoke advice for our needs.

Have you seen the outcome you were hoping for?

Yes, although we have yet to make changes to our pension setup we intend to operate in the near future based on the advice James provided.

What could they have done better?

Nothing that we can think of.

First impression from a user who is not yet a client

October, 2022

Please provide a brief comment about your experience with James

James is a friendly, knowledgeable & conscientious advisor. I've had several meetings with him now and am confident he's going to be a great help for me going forward

Review from verified client

September, 2022

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

We have three pensions schemes in place and was looking for advice on the best option for us. Each scheme was slightly different and the jargon and figures were all a little confusing. We looked on line for a local advisor and James reviews on here sealed the deal for us. James got back to us the same day by phone and spoke to us, then arranged a date and time to pop into the office and show him all the paperwork.

How has James Hodges helped you?

James was absolutely superb in helping us plan our retirement. We have three pensions and were totally bemused by all the jargon , figures and potential choices. James explained everything in clear layman's terms busting all the jargon into simple to understand facts and figures. He has a calm disposition and a very friendly way which really puts you at ease. He took us through all the choices chronologically with each pension scheme which has allowed us to make the right decision for us. Can't recommend James and the Willow team enough. Thank you again!

Have you seen the outcome you were hoping for?

Definitely, James has allowed us to see things much clearer and has effectively swept away a year of worry in an hour! We are now confident of our choices and will be able to retire with confidence our finances are in good shape!

What could they have done better?

Absolutely nothing, James was superb and we are extremely grateful. He exceeded our expectations.

Review from verified client

August, 2022

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

I wanted some independent advice regarding my pensions

How has James Hodges helped you?

He explained the terminology I wasn't familiar with, explained how my pension was doing and what my options going forward were.

Have you seen the outcome you were hoping for?

Very much so. He explained the advantages and disadvantages of the options I have if I take my pension now.

What could they have done better?

Nothing! He explained everything very clearly and answered my specific questions so that I could understand the next steps

First impression from a user who is not yet a client

July, 2022

Please provide a brief comment about your experience with James

James was extremely professional and explained everything thoroughly. My mind is now at ease about the future, Thankyou James

Review from verified client

May, 2022

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

We saw another Financial adviser who advised we should pool my 2 DC pensions and 1DB pension into a drawdown. This advice persuaded me to give my company 6 months notice of retirement, however on a second meeting 3 months later the same adviser denied he had so advised us. We sought further advice from the Moneyhelper team and from that meeting we found James

How has James Hodges helped you?

James listened to our story, wasn’t panicked by our retirement deadline and was able to reassure us that our 2DC pensions would allow us to cope even if we had to accept the guaranteed benefit annual amount from the DB pension. He said that he would have to be confident that the DB transfer was best for us and cautioned that he refused 4 out of 5 that he considered

Have you seen the outcome you were hoping for?

Absolutely, because of our strong DC pension pots, James was able to advise that we could transfer the DB pension and DC pensions into a drawdown pension as we had wished. His compliance team and insurers were also in agreement.

What could they have done better?

Nothing, we were treated like valued clients and always made welcome

Review from verified client

May, 2022

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

We were advised by another pension adviser that it would be impossible to transfer a DB pension, something that we were keen to do. Having spoken to the Government pension advice service, we were given a link to follow on companies that might be able to help and James was top of the list!

How has James Hodges helped you?

James has been absolutely fabulous. He looked at our pensions and was able to clearly show what options we had. He looked at our situation and led us through the pros and cons of transferring out of a DB pension. James filled us with confidence and made us feel like treasured clients, he contacted us at every stage of the process.

Have you seen the outcome you were hoping for?

Yes! James calmly and efficiently helped us to achieve our goals.

What could they have done better?

Not a thing! The process was smooth and reasonably quick.

Repeat review from verified client

April, 2022

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

How has James Hodges helped you since your last review?

Through the difficult last few years of Covid James has kept both myself and my husband updated on our financial affairs, continued to conduct regular reviews and provide the comfort and reassurance that are financial planning remains on course for our retirement. James has continued to be so personable and a trusted adviser to my family. I have and do continue to recommend him to others needing financial advice. He provides a safe pair of hands and provides so much value.

Review from verified client

February, 2022

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

Regarding pension contributions.

How has James Hodges helped you?

Very good.. well explained.

Have you seen the outcome you were hoping for?

Yes and more.

What could they have done better?

Cannot think of anything specific, Jame is very good.

First impression from a user who is not yet a client

December, 2021

Please provide a brief comment about your experience with James

Very professional, unfortunately he couldn’t provide the service I was looking for but he couldn’t have been more helpful.

Review from verified client

November, 2021

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

On a fixed fee basis, I asked James to produce a report on options for amalgamating various personal pensions and how to derive an income in retirement.

How has James Hodges helped you?

The report fully met the brief and was produced in a timely manner. Throughout, James willingly held a number of lengthy online meetings to ensure I fully understood the options and conclusions; he dealt with a large number of questions quickly in a direct and honest manner. Although not included and without asking for further fees, he went on to implement my favoured option.

Have you seen the outcome you were hoping for?

James went above and beyond the fixed fee. He has throughout demonstrated a highly professional approach, is very amicable with a genuine desire to help at what is a “life event”. I have been incredibly impressed by his attitude and James simply stands heads above other IFAs I have used in recent years.

What could they have done better?

I don't believe that James could have done anything better. He implemented and oversaw the new arrangement which due to the nature of the existing pensions wasn't always straightforward and kept me advised of progress. I would be happy to go back to James for future IFA advice.

Review from verified client

October, 2021

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

Looking at my personal portfolio and pensions with a view to maximise their potential.

How has James Hodges helped you?

James listened to my needs and spent a considerable amount of time understanding my requirements. He advised me of ways to make the best out of a coupe of lower performing pensions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

Review from verified client

October, 2021

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

My previous adviser cut back on his workload and recommended James Hodges

How has James Hodges helped you?

Managed to switch my investments off Aegon platform to Standard Life Elevate

Have you seen the outcome you were hoping for?

Absolutely 100% better

What could they have done better?

Aegon were ill equipped to take over from CoFunds platform but perseverance paid after a long struggle. Not much more they could have done.

Review from verified client

October, 2021

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

Having money in a bank account that would have devalued due to poor interest rates paid by the banks

How has James Hodges helped you?

He gave sound advice & clear information, nothing was too much trouble

Have you seen the outcome you were hoping for?

I have every confidence that our choice is a good one given the historical information & James' explanation of the management of the funds

What could they have done better?

No suggestions, entirely happy with the experience

Review from verified client

October, 2021

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

Coming up to retirement we needed the support of a financial advisor who could help us make the right decisions with our pension planning and reassurance that we could retire with a plan that made us feel comfortable.

How has James Hodges helped you?

James is extremely approachable and knowledgeable and took the time to explain the options available to us which helped us make the correct decision.

Have you seen the outcome you were hoping for?

Yes, we both feel confident that fully understood our options and that we have made the right decisions. We look forward to continuing to work with James throughout our retirement

What could they have done better?

Nothing we can think of

Review from verified client

October, 2021

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

Retirement

How has James Hodges helped you?

Retirement is a scary enough project on its own, I guess I must have been like many others who simply saved into pension pots over the years thinking it might happen one day. Covid and Brexit combined in my case to make this happen earlier than expected. James assessed our situation, explaining everything clearly and concisely. He helped us devise a retirement plan which would provide an adequate living standard for my wife and myself without draining our capital.

Have you seen the outcome you were hoping for?

Yes, very satisfactorily.

What could they have done better?

Nothing at all, it was an excellent experience. Perhaps donating a million pounds to my pension fund, but I guess that might be asking too much, !!!

Review from verified client

October, 2021

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

We urgently required advise and guidance, James is a very friendly but professional person, he has a great personality, he put our mind at ease straight away.

How has James Hodges helped you?

James knew we were concerned about our future pension plan, he went through everything we needed one step at a time, which helped us so much.

Have you seen the outcome you were hoping for?

Yes definitely! Couldn’t of done it without him.

What could they have done better?

Nothing, he helped us and also came round at a time that suited us.

Review from verified client

October, 2021

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

I was in a good position financially and needed to look ahead to early retirement, 6 years ahead of official dates and needed sage advise on how to manage everything going forward.

How has James Hodges helped you?

After an initial consultation and looking at all options James came up with what looked like a very feasible plan for both myself and my wife. He arranged all previous pensions funds to be transferred into just my current fund. Then when closer to the day we have now changed the funds into a more manageable and less risk system where I have a "larder" of products that continues to grow and that I have flexible access to as and when required

Have you seen the outcome you were hoping for?

The outcome and projected amounts are above what I thought I would be able to manage so I am very happy.

What could they have done better?

The only thing that James could have done better but due to Covid was unable to do and that was a couple of additional face to face meetings during the final transitions etc.

James's reply

Thank you Ian, I also note your feedback and it is greatly appreciated.

Review from verified client

October, 2021

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

I was moving home & looking to take early retirement. As this would all be new to me I was wondering how I would manage financial with not working anymore & not being of retirement age so couldn't draw state pension.

How has James Hodges helped you?

James was very re-assuring & he said that a lot of people ask the question of how will they manage. We got together & had a meeting to discuss what my options would be, I found James advice to be most helpful. After the meeting I came away feeling very positive & no longer worried I knew after speaking with James that I would be able to mange just fine & to carry on with my life as normal.

Have you seen the outcome you were hoping for?

I've not yet given up work, so at this present time cannot really comment on how everything will work out for me.

What could they have done better?

James seemed to cover everything, I cannot think of anything else that could have made my experience better.

James's reply

So you should be! I have to come and see it when we do a review! Thanks for your kind words they are very humbling

Review from verified client

October, 2021

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

I had no idea how my pensions worked, if I could take them at retirement age, or if I could still work if I did draw them out, what the benefits I would have if I was to leave them in longer if I carried on working. If it was worth combining my smaller ones into one or just leave them as they are.

How has James Hodges helped you?

James was very helpful & professional in the advise he gave me, my options in an understandable format, so I could make my decisions, going forward

Have you seen the outcome you were hoping for?

Yes, was pleasantly surprised with the outcome

What could they have done better?

Nothing, I was very happy with the service

Review from verified client

June, 2021

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

Inheritance planning

How has James Hodges helped you?

Suggestions for mitigating inheritance tax and implementation of a particular proposal

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Very patient and explained all the options very clearly.

Review from verified client

May, 2021

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

Retirement Planning

How has James Hodges helped you?

Assessed our attitude to risk, reviewed our current pension and savings arrangements and then pulled together a comprehensive strategic financial plan

Have you seen the outcome you were hoping for?

Yes...despite the obvious economic downturn due to the pandemic, our portfolio has recovered strongly and the plan remains on track

What could they have done better?

Difficult to see how anything could have been done better, given the current unprecedented times that we all find ourselves in

Review from verified client

May, 2021

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

I had an NHS pension lump sum and company money which I needed to explore in regards to potential investments and also protect.

How has James Hodges helped you?

James offers a confident and personable service which adapts to his client individual and genuine needs, along with understanding the apprehensions and concerns the client has when starting to invest. Given my experience over the last few months of being guided by James, arguably also educated and given confidence to invest (given my little knowledge initially) I will be recommending James to my health and academic colleagues to support their future financial interests.

Have you seen the outcome you were hoping for?

Time will tell - but confident that my aspirations will be met.

What could they have done better?

nothing to add here

Review from verified client

May, 2021

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

Current financial adviser approaching retirement and James Hodges introduced by him

How has James Hodges helped you?

Access to funds in retirement Advice re tax implications/ charges

Have you seen the outcome you were hoping for?

Yes always responds quickly to questions and happy to help where he can or gets further advice himself if needed

What could they have done better?

Nothing

Review from verified client

May, 2021

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

Changes to life/work balance, retirement and future planning

How has James Hodges helped you?

Managing investments and pension funds into manageable platform, access and growth

Have you seen the outcome you were hoping for?

Yes, and especially under circumstances of current global markets etc

What could they have done better?

Not a lot really, at this stage

Review from verified client

May, 2021

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

Taking early retirement and needing to have a financial plan for regular income and long-term financial security

How has James Hodges helped you?

Consolidated a large number of complicated pension pots and presented a range of options for liquidating and investing the total sum to meet my aspiration of long-term financial security. Also discussed a range of investment types with varying degrees of risk in terms of return, and also recommended Prudential as the most suitable company to invest the total sum. Throughout, James demonstrated his in-depth knowledge of the sector which me gave enormous reassurance and confidence, and I quickly learned that I could trust his judgement and make the right informed decisions based on his advice.

Have you seen the outcome you were hoping for?

Absolutely, yes. I have long-term financial security and a guaranteed regular income, knowing that the pension pot is well invested and able to cover everything I plan in retirement.

What could they have done better?

Nothing at all. I am an extremely satisfied customer and without hesitation would recommend James to others in need of professional financial guidance and support.

Repeat review from verified client

April, 2021

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

How has James Hodges helped you since your last review?

James continues to keep myself and my husband on track for our retirement. I continue to recommend James to my family and friends. He is so personable, genuinely interested in our planning needs and is someone I trust with all my financial matters. I would highly recommend.

Review from verified client

January, 2021

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

Initially started as life insurance and income protection which I had been considering for a while, but then moved onto Pension transfers and consolidation.

How has James Hodges helped you?

James assisted in finding products that were suitable to meet our circumstance and budget. One of the crucial things that James helped with was explaining the different levels of cover available in a way that was simple to digest. It was also not a 'hard sell' but a very much on advice level. After this moved onto pension transfers which is often a complex arena. James once again was able to assess our long-term plans and assess the suitability of our current providers and come up with alternative proposals.

Have you seen the outcome you were hoping for?

Certainly, and James is always available to offer advice and very personable, open and honest! James comes with my highest recommendation.

Review from verified client

December, 2020

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

I had always wanted to put some money aside for pension purposes and was unable to find someone that I trusted to manage my pension investment until I met James.

How has James Hodges helped you?

James is very knowledgable and has kept me informed during the process of transfer and set up. The pension funds have been performed very well.

Have you seen the outcome you were hoping for?

Yes, James is always at the end of the phone should I need to speak to him.

What could they have done better?

I cannot fault James in anyway so far, well done.

Review from verified client

December, 2020

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

Final Salary pension buy-out and more generic financial advice

How has James Hodges helped you?

James undertook detailed analysis of my Final Salary pension scheme and outlined the benefits and risks associated with opting out. James also reviewed my savings and investments, with a view to making them work more effectively for me and making optimal use of tax allowances.

Have you seen the outcome you were hoping for?

Yes, I am pleased with the outcome.

What could they have done better?

James certainly has a high level of expertise, is responsive, reliable and a pleasure to deal with. He was able to articulate options very clearly and quickly grasped my objectives - identifying the best solutions to meet my needs. Would highly recommend.

Review from verified client

December, 2020

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

I needed to set up a fund with a view to having a drawdown pension in a few years' time.

How has James Hodges helped you?

James was incredibly easy to deal with, he took all my information on board, crunched the numbers and discussed with me what the possible outcomes might be. His recommendations were clear, straightforward, and well explained, and it was very simple to set everything up.

Have you seen the outcome you were hoping for?

Yes, so far results have been very good.

What could they have done better?

In all honesty, James did what I needed him to do with great efficiency. Given the difficulty of accomplishing anything this year, dealing with James was a refreshingly easy experience.

Review from verified client

December, 2020

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

We were looking to retire but unsure if we could afford to

How has James Hodges helped you?

James reviewed our pensions, savings and outgoings and found us a retirement plan which provided us with a comfortable secured monthly income.

Have you seen the outcome you were hoping for?

Yes our monthly income was in the bank on time the very first month James talked us through many options and found us the best plan for both of us and it was very reassuring to have someone only a phone call away to allay any worries during the transition

What could they have done better?

No James provided us we believe with a product that was best for us

Review from verified client

December, 2020

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

I wanted some advice about transferring 2 pensions into a different scheme.

How has James Hodges helped you?

James was excellent! He gave me great advice. He also explained everything in a way I could completely understand.

Have you seen the outcome you were hoping for?

Yes, not only did he reassure me about my concerns, I am now confident in what I want to do.

What could they have done better?

Nothing, as his service and advice was perfect. Thank you James.

Review from verified client

December, 2020

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

I wanted a second opinion on advise I’d received from another advisor which I was not comfortable with.

How has James Hodges helped you?

James was exceptional. All his advise was spot on and I’m so happy to now have him as my advisor.

Have you seen the outcome you were hoping for?

Most definitely. His advise has saved me a lot of money.

What could they have done better?

Nothing as his advise was excellent and v clearly explained

First impression from a user who is not yet a client

November, 2020

Please provide a brief comment about your experience with James

He removed his services from vouchedfor. You need to update

Repeat review from verified client

September, 2020

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

How has James Hodges helped you since your last review?

Good advice and all questions answered quickly.

Review from verified client

June, 2020

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

Wanted advice on investments for future planning and retirement.

How has James Hodges helped you?

James has provided forecasting to ensure I am on track for where I need to be upon retirement. He has helped with the merger of pensions, given advice and helped to set up an ISA & provided advice on mortgages & borrowing in the shorter term.

Have you seen the outcome you were hoping for?

Yes, feel much more confident & in control of the future.

Review from verified client

June, 2020

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

Transfer of pension

How has James Hodges helped you?

James found a safer and more effective pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

June, 2020

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

I needed sound advice about pensions and Investments.

How has James Hodges helped you?

He explained in layman's terms the whole process. He was patient with my questions.

Have you seen the outcome you were hoping for?

It hasn't been long enough. I am quietly confident in his ability.

What could they have done better?

It has honestly been too short a time to give an constructive answer. I more than happy with the service.

First impression from a user who is not yet a client

May, 2020

Please provide a brief comment about your experience with James

Excellent

First impression from a user who is not yet a client

May, 2020

Please provide a brief comment about your experience with James

WOOOOW I've Just spoke to James for a FREE initial consultation in regards to my 2 frozen final salary pensions schemes, And thou we didn't do anything at this moment in time, He's knowledge, Integrity & honesty was outstanding while explained everything to me in terms i could understand. It's nice to finally find an adviser that i not only would use in the future but also recommend to family. Well Done James

Review from verified client

May, 2020

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

I needed to transfer my Pension to a draw-down scheme

How has James Hodges helped you?

James was friendly, professional and very knowledgeable about all of the products, he explained everything to me clearly and made sure I understood before moving on. He spent time patiently answering all of my questions and helped me over and beyond his usual job. I wasn’t sure I needed help with my pension but without James I would definitely not have achieved the amount of money that is now in my bank account and so I would have no hesitation in highly recommending him.

Have you seen the outcome you were hoping for?

Yes better than I was hoping for.

What could they have done better?

James could not have been better I was very pleased with his service.

Review from verified client

May, 2020

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

I needed advice and guidance on my pensions, after finding out their worth and the realisation that they could all be lost should I die

How has James Hodges helped you?

James has successfully shown me how to make my pensions provide for me and my partner and has successfully transferred 4 individual pensions into one accessible pot, which I now have control over and can leave to my family (which i couldn't do previously) should I die.

Have you seen the outcome you were hoping for?

Yes, definately

What could they have done better?

Currently nothing springs to mind

Repeat review from verified client

May, 2020

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

How has James Hodges helped you since your last review?

James has kept in regular touch and has always responded promptly to every inquiry - whether by phone, email or visits to home. His unprompted advice (and careful reassurances) during these uncertain times has been especially welcome. After many years of hard work and saving, I know that I am in safe and expert hands, which is hugely important to me for the future.

Repeat review from verified client

April, 2020

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

How has James Hodges helped you since your last review?

James is great at making sure I am keeping up to speed with all my allowances in each tax year. I have recommended James to a number of people who also have be delighted with his knowledge, professionalism and personal nature.

Review from verified client

January, 2020

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

Early retirement planning.

How has James Hodges helped you?

Great income/expenditure cash flow forecasting.

Have you seen the outcome you were hoping for?

Yes. Absolutely.

What could they have done better?

I’ve nothing to add. In fact the analysis went much further than expected with different scenario plans factored in.

Review from verified client

January, 2020

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

A year ago I had the option to transfer out a pension with a previous employer or to leave it in. It was a significant amount of money and my main pension source and I was unsure of the best approach.

How has James Hodges helped you?

I had to make a decision very quickly, and James was very quick to supply advice. I met him and he went through my financial position and that of my husband's - savings, ISAs, mortgage etc. He then ran a profile for me, and was able to advise me on the best course of action, based on my financial position and my risk appetite. I decided to withdraw my pension and invest it, and through James's help, met with a number of Fund Managers, and appointed one to manage my fund.

Have you seen the outcome you were hoping for?

In the year my fund has been invested, it has done extremely well, exceeding the yield my profile had been based on. I have also had an annual review with James and all is on track. Moreover, I can message James or email him at any time and he always responds very quickly. He is very easy to talk to and can explain things very simply. I am more than happy with his performance and that of my pension fund.

Review from verified client

December, 2019

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

Having recently retired we were keen to ensure that our pension funds were optimised and our personal savings were invested in a secure and tax efficient way.

How has James Hodges helped you?

James took the time to fully understand our requirements and our approach to risk. He gave us clear and concise advice in a way that was easy to understand and without any sales pressure. The pros and cons of all investment opportunities were fully explained leaving us both feeling confident with the options we elected to go for.

Have you seen the outcome you were hoping for?

Market volatility surrounding Brexit negotiations and current world trade conditions have undoubtedly compromised overall performance but both of James’ pension and savings recommendations have evidenced growth in a difficult market unlike other investments we made independently. As a result we will be looking to pass all of our investment portfolio to James in the future.

Review from verified client

November, 2019

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

We had begun to look for retirement advice due to our ages - mid-50's with teenage children. Wanted to see at what age we could look to retire and what all our various pension and other assets were worth.

How has James Hodges helped you?

James set up a spreadsheet to allow us to enter a number of variables and begin to understand what our assets were worth and how best to use them.

Have you seen the outcome you were hoping for?

It is an ongoing process and we are reviewing our options on a regular basis

What could they have done better?

Sometimes the whole picture is too much to take in all at one time and staggered sessions may be appropriate for discussing various options

Review from verified client

November, 2019

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

Retirement and the need for long term investment opportunities

How has James Hodges helped you?

James helped us with our long term financial planning and set out a variety options for us. We are quite cautious investors so he explored the current options with low risk portfolios

Have you seen the outcome you were hoping for?

We have only had money invested in the portfolio for two months

Review from verified client

November, 2019

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

I had a pension pot which I needed advice on.

How has James Hodges helped you?

James was recommended to me by a friend. I spoke to him about my future plans and what I wanted the pension to do for me. In return he talked to me about how far my money would go in a variety of circumstances and gave me a number of alternatives to consider.

Have you seen the outcome you were hoping for?

To date, I am very pleased with the outcome.

What could they have done better?

The first session is always very technical with flowcharts and graphs etc. It could perhaps be a little simpler and so saved a few headaches getting to grips with them. I understand that the information is essential but very much appreciated the conversation afterwards on what it meant to my lifestyle and best practice for future spending a lot more. The flowcharts and graphs mean a lot more now with a couple of years comparison to play with.

First impression from a user who is not yet a client

November, 2019

Please provide a brief comment about your experience with James

Initial meeting regarding equity release and CGT. Everything explained clearly, excellent service.

Review from verified client

November, 2019

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

I needed pension advice after my divorce settlement.

How has James Hodges helped you?

James researched and found me the best pension for my current sitiation.

Have you seen the outcome you were hoping for?

Yes, definitely. I feel relieved and financially secure.

What could they have done better?

I was completely happy with James.

James's reply

Thank you so much Karen

Review from verified client

November, 2019

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

We had inherited some money recently and wanted to make sure we invested it as wisely as possible.

How has James Hodges helped you?

He had a fantastic knowledge of the products and services that would be most applicable to our situation and managed to talk myself and my wife through it so we fully understood what the options were for our money.

Have you seen the outcome you were hoping for?

Yes. We feel a lot happier and secure in the knowledge that our money is in a safe place and growing for us.

What could they have done better?

Nothing - he’s brilliant.

Review from verified client

November, 2019

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

I was at the point of serious final planning to complete all my goals in my financial assets to remove all my future anxieties

How has James Hodges helped you?

I did not know James or been recommended to him I wanted someone local I was confident to decide based on the advice I receive Having been a senior lecturer in mental health I was right I found a perfect professional knowledgeable with a friendly and empathetic manner

Have you seen the outcome you were hoping for?

100%

What could they have done better?

He is still young in time he will be able to offer even more advice

Review from verified client

November, 2019

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

I had reached 55 and had several pensions dotted all over the place. I wanted some help planning when I could realistically retire and what I could expect. I wanted some advice on taking some money out to clear a small mortgage.

How has James Hodges helped you?

He helped me get a value for all the pensions. Took time to establish what I needed and what my aims were. He showed me all the all the different options and clearly explained the advantages and pitfalls of the various options I had. I found the interviews very relaxed but focussed and James has a way of explaining things in straightforward way.

Have you seen the outcome you were hoping for?

Yes. In the end we moved a couple of the pensions into a cautious fund which was what I was happy with and I was able to take out a lump sum to clear the mortgage so now I am debt free. I also now have an idea what income I can expect in retirement

What could they have done better?

Not sure really. I was very happy with the service James gave us, he always answered my emails promptly and the meetings were very organised, professional and easy to understand.

Review from verified client

November, 2019

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

I had to change my previous IFA as he was cutting down his workload.

How has James Hodges helped you?

He took up my portfolio of Managed funds and Pension Managed Funds, and also effected the transfer of all funds held from Aegon into Standard Life Elevate. Also entrusted him to help with my 75yo LTA test declaration.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Not much, but just need to have a regular forward plan on meeting up times.

Review from verified client

November, 2019

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

We had a number of pensions accumulated since starting work as well as some savings and investments. We did not know the best way to manage the pension(s) going forward and whether we were maximising the benefits and minimising the associated fees.

How has James Hodges helped you?

James examined the pension plans and then worked with us on an ongoing strategy towards retirement. He is also helping us to maximise the savings we have in the most tax efficient manner. We have agreed to regular reviews to ensure the strategy set remains the right one for us as circumstances change.

Have you seen the outcome you were hoping for?

We only started working with James a few months ago but the outcome to date has been perfect. We certainly feel more organised and in control of our situation.

What could they have done better?

The usual issue of trying to explain things in language that non FA's can understand. We ask for clarity whenever necessary.

Review from verified client

November, 2019

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

Had options to draw down on a pension

How has James Hodges helped you?

In every way possible

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing

Review from verified client

November, 2019

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

A professional and knowledgable advisor who takes the time to fully understand your circumstances and plans for the future. James offers a caring and considered approach with an excellent knowledge of investments and products on the market that will suit you.

How has James Hodges helped you?

Advice on mortgages both residential and buy to let, planning for the future for investments. Property as an alternative to standard pension. Life insurance options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. We would use him again.

First impression from a user who is not yet a client

July, 2019

Please provide a brief comment about your experience with James

Very knowledgeable.

Review from verified client

July, 2019

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

Looking to transfer out a final salary pension

How has James Hodges helped you?

James spent a good hour giving me advice. He was very well informed, knowledgable & honest in what he could do and what i could do.

Have you seen the outcome you were hoping for?

Not this time but would not hesitate in contacting James in the future.

What could they have done better?

Nothing, it was a pleasure and education to speak to him.

First impression from a user who is not yet a client

February, 2019

Please provide a brief comment about your experience with James

Very good and helpful session, thanks James

Review from verified client

September, 2018

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

To transfer out my company pension pot.

How has James Hodges helped you?

Authorised by the FCA to carry out the transfer.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Pension pot transfers are tedious, taking some time. James applied pressure at the right time to keep things ticking over. He visited me at home and close to my work where convenient.

Review from verified client

September, 2018

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

Birthday approaching and access to pension funds.

How has James Hodges helped you?

Understood, what I required.

Have you seen the outcome you were hoping for?

Time will tell!.

Review from verified client

September, 2018

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

My retirement.

How has James Hodges helped you?

Financial advice with pensions and savings.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am more than happy with all the advice from James Hodges’s

First impression from a user who is not yet a client

August, 2018

Please provide a brief comment about your experience with James

Very thorough.

Review from verified client

August, 2018

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