Howard Bullock

Review from verified client

December, 2022

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

Friends had previously used Howards services and he came highly recommended

How has Howard Bullock helped you?

He has discussed my financial affairs in full and has put together a plan in the hope to earn a positive return from my small investments, However, nothing is guaranteed.

Have you seen the outcome you were hoping for?

Early days. With the current uncertainty, I do not envisage any major movements at this time.

What could they have done better?

At this moment in time, nothing

Howard's reply

Thank you Colin. Your comments are very much appreciated.

Review from verified client

December, 2022

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

I reached an age of 40 years old and needed to get a pension sorted, as I have been self employed most of my life. The advice was professional and very well explained. I was put onto a portfolio that was affordable and suited me and my business.

How has Howard Bullock helped you?

Howard as always given me sound advise and kept me up to date of how my portfolio is and has been performing.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

I am totally satisfied and would highly recommend Howards services.

Howard's reply

Thank you Ian. Your comments are very much appreciated.

Review from verified client

December, 2022

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

I was in the process of setting up a new business with a growing family and I needed some sound financial advice. My accountant recommended Howard to me.

How has Howard Bullock helped you?

Howard has advised me on all matters relating to investments, pensions, life insurance and business insurance.

Have you seen the outcome you were hoping for?

Yes I have and I am very pleased.

What could they have done better?

I have no yard stick from which I can compare Howard’s services. But suffice it to say I have always been very impressed with all the honest and impartial advice that he gives me and the very professional manner in which he provides his services.

Howard's reply

Thank you Nick. Your comments are very much appreciated.

Review from verified client

December, 2022

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

Looking for a professional advisor

How has Howard Bullock helped you?

Good explanation of our investments and how they perform

Have you seen the outcome you were hoping for?

Yes, but we are looking long term.

Howard's reply

Thank you Jane. Your comments are most appreciated.

Review from verified client

November, 2022

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

Potential annual allowance issue with my pension.

How has Howard Bullock helped you?

Howard was very clear and concise during our conversations regarding annual allowance and was keen to ensure I understood the information he had provided me with.

Have you seen the outcome you were hoping for?

Yes. I am now confident that I will not exceed my annual allowance and have a full understanding of how this works.

What could they have done better?

I cannot think of anything that Howard could have done better. He was friendly, helpful and informative and answered my questions in a way that I understood.

Howard's reply

Thank you Caroline. Your comments are most appreciated.

Review from verified client

November, 2022

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

I had to find someone to advise me on how best to invest my sons inheritance, along with pension advise for myself.

How has Howard Bullock helped you?

I found Howard to be very professional and presentable. He is very knowledgable and offers the best advise. I gave Howard the task to invest my sons money wisely whilst also giving a good return. He has also taken on my pension. I cant recommend Howard Bullock enough. I have already given his details to other friends and work collegues.

Have you seen the outcome you were hoping for?

I have already seen the rewards. I know that Howard will monitor everything closely and advise where need be.

What could they have done better?

I feel that Howard Bullock has done everything he could have in the way of advise and being on hand.

Howard's reply

Thank you Craig. Your comments are most appreciated.

Review from verified client

November, 2022

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

I find pension jargon totally confusing, and looked help understanding, so I could be sure my personal pension was working for me

How has Howard Bullock helped you?

Not only did he help me better understand how my pension was working, he also found me an new improved one and made the transfer easy.

Have you seen the outcome you were hoping for?

Yes, despite the ups and downs caused by brexit, covid etc I'm very happy with the changes made

What could they have done better?

Can't think of anything that could be done differently

Howard's reply

Thank you Jane. Your comments are most appreciated.

Review from verified client

November, 2022

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

Retirement

How has Howard Bullock helped you?

General financial planning

Have you seen the outcome you were hoping for?

Market dependent

Howard's reply

Thank you John. Your comments are really appreciated.

Review from verified client

November, 2022

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

I felt that i needed some overall advice on my future planning for retirement along with some insurance requirements

How has Howard Bullock helped you?

He has provided me with a very clear and unbiased understanding of how to satisfy my requirements

Have you seen the outcome you were hoping for?

Yes absolutely!

What could they have done better?

Come into my life earlier!!

Howard's reply

Thank you Steve. Your comments are very much appreciated.

Review from verified client

November, 2022

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

Howard and his team have assisted me with making sense of my pension - moving it to a more appropriate platform and providing me and my family with general good financial advice.

How has Howard Bullock helped you?

Excellent advice and a simple process and platform to manage my financial affairs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Well, perhaps biscuits with the coffee...

Howard's reply

Thank you Scott. Your comments are really appreciated!

Review from verified client

November, 2022

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

Very knowledgable and professional.

How has Howard Bullock helped you?

Good advice on investment options and choosing funds.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Couldn't have done better.

Howard's reply

Thank you paul. Your comments are very much appreciated.

Review from verified client

March, 2022

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

Health

How has Howard Bullock helped you?

Howard helped to arrange pensions and give expert financial advice on other areas

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing 100% satisfied

Howard's reply

Hello Andy, Thank you for leaving this review. I very much appreciate it. Kind regards, Howard

Review from verified client

January, 2022

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

Professional Pension advice.

How has Howard Bullock helped you?

Howard reviews my Pension from time to time and proposes better investments should they arise.

Have you seen the outcome you were hoping for?

Howard recently moved my Pension plan for a more productive package, this should see a better return on investment.

What could they have done better?

Im pleased with the advise Howard provides and I trust in his expertise and experience.

Howard's reply

Thank you Neil. I very much appreciate the time you have taken in doing this!

Review from verified client

December, 2021

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

To help & understand with financial investments , also helping me to find the best pension options that suited me

How has Howard Bullock helped you?

He helped us by searching financial investments that we wanted He helped me buy searching and advising me on the pro & cons of differant pension schemes

Have you seen the outcome you were hoping for?

Yes our investments have been generally what we expected

What could they have done better?

Nothing considering the present climate

Howard's reply

Thank you David, for taking the time to write this. I really appreciate it!

Review from verified client

December, 2021

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

I had monies that needed placing somewhere other than a cash savings account.

How has Howard Bullock helped you?

Worked with us to identify the level of risk that we wanted to take. Howard gave us time to think about our decisions to ensure we were comfortable with our choices. He also talked us through a number options explaining the various features.

Have you seen the outcome you were hoping for?

So far, our investments have been on a rising curve, definitely an improvement on a cash savings account.

What could they have done better?

Not sure

Howard's reply

Thank you Sue, for taking the time to write this. I really appreciate it!

Review from verified client

December, 2021

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

I had various pensions that hadn’t been looked at for some time, and needed good advice.

How has Howard Bullock helped you?

He assessed my pensions , and my needs and aspirations for the future, and advised me very professionally on the best way forward.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything was done to the best standard.

Howard's reply

Thanks Peter. I really appreciate you taking the time to do this.

Review from verified client

December, 2021

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

Following an inheritance, I was at a point I needed a financial advisor to help plan my future.

How has Howard Bullock helped you?

We reviewed my situation and what I was hoping to achieve for the future. Having reviewed what my current investments were, we looked at my options to grow my savings. He was very helpful in explaining the options and making sure I was comfortable with the strategy taken.

Have you seen the outcome you were hoping for?

It was a medium to long term strategy and I am pleased with the growth so far in what has been a difficult period with both Brexit and Covid.

Howard's reply

Hi Michele, Thank you for taking the time to leave this review. I very much appreciate it. Regards, Howard.

Review from verified client

December, 2021

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

To establish whether I should be consolidating my pensions

How has Howard Bullock helped you?

By providing evidence as to why I should consolidate 3 of my pensions into 1 new producy

Have you seen the outcome you were hoping for?

Yes but still very early days in terms of how it will perform

What could they have done better?

Not sure

Howard's reply

Hi Mark, Thank you so much for taking the time to leave this review. Kind regards, Howard.

Review from verified client

December, 2021

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

Having started my own business I felt I needed some help and advice

How has Howard Bullock helped you?

Howard explained my options and facilitated the consolidation of my pensions. He also provided advice on life insurance and income protection.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing.

Howard's reply

Hi Paul, Thank you for taking the time to leave this review. It is very much appreciated! Regards, Howard.

Review from verified client

December, 2021

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

I needed to put a pension in place and address some other financial planning issues

How has Howard Bullock helped you?

He was very helpful and knowledgeable and made me feel very at ease. So much so I have already recommended him to a friend.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I feel Howard did an excelelnt job and I am very happy with the outcome.

Howard's reply

Hi Craig, Thank you for taking the time to leave such a nice review. Your kind words are very much appreciated. Regards, Howard.

Review from verified client

December, 2021

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

We have used Howard Bullock's services in excess of 10 years to provide our Company's Income Protection for our senior employees.

How has Howard Bullock helped you?

Howard personally reviews the renewal of our insurances each year and advises us on the best possible cover for our staff at the most competitive rates.

Have you seen the outcome you were hoping for?

Yes, we are happy with the services that he has provided to us.

Howard's reply

Thank you so much for your kind comments Anne. Very much appreciated.

Review from verified client

December, 2021

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

I did not have a pension set up and didn't know where to start.

How has Howard Bullock helped you?

Howard explains everything without jargon, in nice simple terms. He is always clear about fees and ensures that we are always monitoring our life changes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all

Howard's reply

Thank you so much for your kind comments Kim. Very much appreciated.

Review from verified client

December, 2021

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

Wanted someone local that provided a better service than the existing fanancial advisor.

How has Howard Bullock helped you?

He advised me on investment funds. He set up my ISA and gave me pension advice.

Have you seen the outcome you were hoping for?

Investment performance so far has been good.

What could they have done better?

Nothing

Howard's reply

Thank you so much for your kind comments Orla. Very much appreciated.

Review from verified client

December, 2021

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

Not financially savvy and needed support after divorce.

How has Howard Bullock helped you?

Investing. Pension advice.

Have you seen the outcome you were hoping for?

Yes

Howard's reply

Thank you so much for your kind comments Lisa. Very much appreciated.

Review from verified client

December, 2021

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

I was not happy with my previous adviser

How has Howard Bullock helped you?

Howard recommended a new platform for my pension and pension investments. He also recommended that I invest in a VCT which I did and it has performed very well.

Have you seen the outcome you were hoping for?

Yes, the investments are doing well.

Howard's reply

Thank you David for taking the time to leave this review. Very much appreciated!

Review from verified client

December, 2021

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

Needed taper relief calculation to determine feasibility of a lump sum payment into my pension.

How has Howard Bullock helped you?

Carried out calculation of taper relief and annual allowance so any lump sum payment into my pension was within government limits and increased my tax efficiency position.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I do not feel any improvements were required. The service I received throughout was thorough and professional.

Howard's reply

Thank you Paul for taking the time to do this. This is very much appreciated!

Review from verified client

December, 2021

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

To tidy up alot of pensions and for someone to choose the most appropriate funds for my level of risk.

How has Howard Bullock helped you?

Massively in every way possible. His illustrations were very useful and appropriate.

Have you seen the outcome you were hoping for?

Yes - so far so very good.

What could they have done better?

Nothing. They have been exemplary.

Howard's reply

Thanks Paul!

Review from verified client

June, 2020

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

Help with pension and inheritance planning in retirement

How has Howard Bullock helped you?

Understood what i wanted and helped put in place the plan i needed

Have you seen the outcome you were hoping for?

Yes it has gone well considering the difficult markets we are having to deal with

What could they have done better?

To be honest not a lot , his advice has been good , he is easy to talk to , takes on board any concerns i might have , and is easy to get hold of when i need to talk.

Howard's reply

Thank you Steve. I very much appreciate your comments. Howard

Review from verified client

June, 2020

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

Knowledge and experience

How has Howard Bullock helped you?

First class service and advice from Howard and his team are always efficient and nice to deal with - as is Howard. I always recommend Howard to my clients and other associates.

Have you seen the outcome you were hoping for?

Yes without doubt

What could they have done better?

I cannot think how they could improve further.

Howard's reply

Thank you Paul. I very much appreciate your comments. Howard

Review from verified client

October, 2019

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

Thinking about my retirement and establishing a private pension for my retirement.

How has Howard Bullock helped you?

Howard listened to what I was looking for and then went away and thoroughly researched the best options for me. In particular I was looking for ethical funds that I could invest in and Howard was able to identify funds that matched these criteria.

Have you seen the outcome you were hoping for?

It is early days but so far I am happy with the way that my fund is growing given the current economic and political climate.

Howard's reply

Thank you Father Dan. I very much appreciate your comments. Howard

Review from verified client

October, 2019

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

I’m financially clueless

How has Howard Bullock helped you?

Advice and support

Have you seen the outcome you were hoping for?

Yes but ongoing

What could they have done better?

Nothing

Howard's reply

Thank you Lisa. I very much appreciate your comments. Onwards and upwards! Howard

Review from verified client

October, 2019

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

I was made redundant and looking at what to do with pensions i held and need for annuities and required income

How has Howard Bullock helped you?

After review of finances came up with a plan and recommendations meeting our needs for the future

Have you seen the outcome you were hoping for?

Feel we have established what we need for our pensions and funds that we can use

What could they have done better?

Nothing

Howard's reply

Thank you Graham. I very much appreciate your comments. See you soon. Howard

Review from verified client

October, 2019

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

Inherited a sum of money that I needed advice and knowledge to manage it.

How has Howard Bullock helped you?

He suggested several options of what could be done.

Have you seen the outcome you were hoping for?

Although they are long term investments, I a pleased so far.

Howard's reply

Thank you Michele. This is very much appreciated!

First impression from a user who is not yet a client

October, 2019

Please provide a brief comment about your experience with Howard

Howard is very warm and personable, his vast wealth of financial expertise is the reason my family and I will be using him and his accomplished team going forward. Would highly recommend.

Howard's reply

Thank you Plug. I very much appreciate the time you have spent on leaving such a nice, positive review.

Review from verified client

October, 2019

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

Howard has a deep understanding of both the individual investment world and the global macro economic worlds . This makes him fairly unique when advising on where and how to invest .

How has Howard Bullock helped you?

he has completely restructured my pension making it tailor made to my individual risk profile.

Have you seen the outcome you were hoping for?

absolutely !

Review from verified client

October, 2019

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

My wife and I always look at things of high importance jointly and were extremely considered in ourn decision when it cam e to choosing a financial advisor. Howard came very highly recommended and has provem to be worthy of such high praise. We are both very pleased with his recommendations and how our investments have matured over the last 9years and because of this I would highly recommend his service and advice.

How has Howard Bullock helped you?

Howard suggested how best to place our assets in consideration of our individual risk taking profiles.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

In light of the financial upheavals over these last 9 years I would say that he could have not done any better.

Howard's reply

Hi Richard, I've only just noticed that you left this rather lovely review for me last year. Thank you so much. It's been a pleasure. Howard.

First impression from a user who is not yet a client

October, 2019

Please provide a brief comment about your experience with Howard

Howard advised me on how to proceed with a sensitive situation that I was dealing with. He explained everything clearly and gave me some different options on how to move forward. I would highly recommend his services.

Howard's reply

Thank you Keeley. I very much appreciate the time you've taken to write such a nice and positive review. Regards, Howard.

Review from verified client

October, 2019

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

I needed to set up a pension plan for myself and my wife .

How has Howard Bullock helped you?

Took us through the procedures and explained everything very clearly . I felt at ease and understood the suggestions made

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can’t really think of anything as Howard is in my opinion an excellent professional . I could do with less paperwork but no this is not in his control.

Howard's reply

Thank you Kevin. I very much appreciate the time you have taken to leave such a nice review. See you next week!

Review from verified client

January, 2018

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

I had advice from Howard several years ago to set up a private pension.

How has Howard Bullock helped you?

I contacted him last year as I was coming up to retirement and needed advice on pension annuities. He gave me several options which greatly helped me decide the best one for me. I am also expecting an inheritance which he will give me investment advice on. I feel confident that he will deal with my financial affairs to the best of his ability and give ongoing advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

As he made a very complicated process easy for me to understand, I don't feel he could have done more.

Howard's reply

Thank you Frances. I very much appreciate your comments.

Review from verified client

January, 2018

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

I used Howard on a friends recommendation to consolidate my various pensions.

How has Howard Bullock helped you?

He felt understood my needs and goals and fully explained my options.

Have you seen the outcome you were hoping for?

Although its still early days I am very happy with the outcome at this present time.

What could they have done better?

I feel that Howard could have done anything different to improve the service that he provided for me

Howard's reply

Thank you Mark. I very much appreciate your comments.

Review from verified client

January, 2018

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

Primarily to review my pensions portfolio and to advise on the best approach for the future bearing in mind the Lifetime Allowance criteria.

How has Howard Bullock helped you?

He helped me to assess the options available and then plan the steps to execution, including referring me to other professional advisors for specific elements.

Have you seen the outcome you were hoping for?

Yes, Howard and Clear were able to help me achieve the end results that I was looking for.

What could they have done better?

I have been very happy with the service and the levels of communication - its all been a good process, so I cannot really think of anything else that could have been better!

Howard's reply

Thank you Bob. I very much appreciate your comments.

Review from verified client

October, 2017

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

Several pension pots maturing and needing expert knowledge to obtain a single annuity.

How has Howard Bullock helped you?

Howard is a true professional. He and his team were always available to answer questions. Howard managed to obtain a higher quote for a monthly pension payment. We had vert little knowledge on pensions, but Howard made it very simple and completed the job without any dramas. We fully recommend Howard for a financial services.

Have you seen the outcome you were hoping for?

Yes, it has all resolved perfectly and in a very short time.

What could they have done better?

We do not think Howard could have done anything better. An exceptionally nice man who you can trust to show you all eventualities.

Howard's reply

Thank you Steve & thank you Sue. Your kind comments are very much appreciated.

Review from verified client

October, 2017

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

advised by accountant.

How has Howard Bullock helped you?

investment management, howard is a magician, i dont know what he does but its brilliant !.

Have you seen the outcome you were hoping for?

better than wildest expectation.

What could they have done better?

the best. keep doing what you do.

Howard's reply

Thank you for your kind comments which are very much appreciated.

Review from verified client

April, 2017

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

Approaching retirement and need to organise pensions and investments.

How has Howard Bullock helped you?

To organise pensions and investments into a manageable process.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Satisfied with service given.

Howard's reply

Thank you bill. Your kind comments are very much appreciated.

Review from verified client

March, 2017

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

I'd reached retirement age and needed advice on pensions and subsequent investments.

How has Howard Bullock helped you?

He he explained all avenues open to me simply and clearly and in a relaxed manner.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I felt very confident with his wealth of knowledge and his understanding of my particular requirements. Nothing comes to mind, that could have been done any better.

Howard's reply

Thank you Vivien for your kind words.

Review from verified client

March, 2017

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

Needed financial advice on Workplace Pensions and long term investments.

How has Howard Bullock helped you?

Provided clear and sound financial advice and that is exactly what people in my position need!.

Have you seen the outcome you were hoping for?

Howard's many years of experience enable him to provide an impartial and trustworthy service.

Howard's reply

Thank you Matt for your kind words.

Review from verified client

October, 2016

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

I was coming up to retirement age and really needed some good advice regarding the pension minefield.

How has Howard Bullock helped you?

Howard has given excellent easy to understand advice. Shown me options I would not necessarily have thought about or even been aware of.

Have you seen the outcome you were hoping for?

We are certainly getting there.

What could they have done better?

So far I have been more than happy with the attention to detail and advice.

Howard's reply

Thank you Vivien for your kind words.

Review from verified client

October, 2016

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

I wanted to consolidate all my pensions.

How has Howard Bullock helped you?

He found me the ideal pension provider for my risk profile and clearly explained all the pros and cons. All the transfer paperwork was made very easy for me by Howard and Caroline. He also found the best life assurance provider for me.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Nothing. I was and continue to be very happy with the service provided.

Howard's reply

Thank you Chris. Your comments are very much appreciated.

Review from verified client

November, 2015

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

investment purposes.

How has Howard Bullock helped you?

with his excellent knowledge.

Have you seen the outcome you were hoping for?

ok.

Howard's reply

Thank you Richard. Most kind of you.

Review from verified client

October, 2015

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

Recently I have had to take on a mortgage.

How has Howard Bullock helped you?

Provided Critical Illness/life Protection.

Have you seen the outcome you were hoping for?

Yes - premium all agreed and monthly dd's being taken from my account.

What could they have done better?

Nothing

Review from verified client

October, 2015

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

We needed to set up a pension scheme for Autoenrolment.

How has Howard Bullock helped you?

Howard advised on the correct pension for our company and guided us through the set up process.

Have you seen the outcome you were hoping for?

We now have an autoenrolment pension set up which is the outcome that we wanted to achieve.

Howard's reply

Thank you Anne. Very much appreciated.

Review from verified client

September, 2015

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

Needed advice on pension release and assistance in obtaining information from a difficult provider.

How has Howard Bullock helped you?

Investigated all options and personally contacted all parties involved which resulted in a quick and satisfactory conclusion.

Have you seen the outcome you were hoping for?

Awaiting information from new provider.

What could they have done better?

Nothing.

Howard's reply

Thank you Richard. That's very kind of you.

Review from verified client

March, 2015

How has Howard Bullock helped you?

Howard spends a good deal of time assessing what our priorities for investment are and whether they are changed from previous discussions. He also checks our understanding of our options.

What could they have done better?

We were originally interested in ethical investments, but don't feel that was addressed in earnest and we lacked confidence to challenge this seriously.

Howard's reply

Hello Sue, Thank you for your time today. I'm delighted we were able to meet and explore your interest in ethical investments. I hope that this was conducted to your satisfaction. We covered quite a lot of ground today and I fully expect that we will spend more time discussing this area. Kindest regards, Howard.

Review from verified client

March, 2015

How has Howard Bullock helped you?

Howard Bullock, explains the whole process in a language I understand without using too much jargon. He is completely transparent when it comes to charges for the work they do. He is super efficient and paperwork is completed immediately and should I have a query I just email and I am met with an answer straight away.

What could they have done better?

None

Review from verified client

March, 2015

How has Howard Bullock helped you?

Howard consistently offers a broad range of financial services - all of which he seems to have a deep understanding. The advice I have received has been tailor made to my own personal situation and it has been this individual attention to detail, coupled with a wide range of products , that sets Howard apart from any other financial advisers I have come across.

Review from verified client

September, 2014

How has Howard Bullock helped you?

He fully understood my situation and current needs,and patiently and professionally set out some options (without any kind of "hard sell").. which were perfectly suited to my requirements.

First impression from a user who is not yet a client

December, 2013

Please provide a brief comment about your experience with Howard

he didn't bother to contact us

Howard's reply

Mr Barnet had already been contacted by my colleague Paul Davis (also via VouchedFor) and a meeting was arranged. The only way I could have contacted Mr Barnet would have been to pay VouchedFor for the lead. I informed VouchedFor of the situation secure in the knowledge that Mr Barnet would be meeting with an excellent Adviser.

Review from verified client

November, 2013

How has Howard Bullock helped you?

Howard offers a very personal service giving professional advice based on our personal situation.

What could they have done better?

Both myself and my partner where extremely pleased with the service we where offered and the after service. We feel our questions and queries where confidently responded to in a clear and understandable fashion making both myself and my partner feel confident in using Howard's services.

Review from verified client

November, 2013

How has Howard Bullock helped you?

The last adviser i had was very friendly and easy going but i felt that i made most of the decisions , Howard is also very easy to get on with but has come up with suggestions that fit with my plan. I like to feel that my advisor is listening to me and then together we can agree on the best way forward, i have found Howard very good in this respect.

What could they have done better?

Its difficult to pick out something that Howard could do better, If i wasnt happy i would have moved on. At the end of the day i guess its about cost against return , if your not seeing any growth on your investments / pension you would not be wanting to pay out loads in commissions. Getting a decent return these days is not easy so we talk, not all the time but when either of us has somthing that may be of interest to the other.

Review from verified client

November, 2013

How has Howard Bullock helped you?

he fully understands my needs and requirements and strives to produce a product which encapsulates my risk profile at that moment in time.

Review from verified client

November, 2013

How has Howard Bullock helped you?

Howard explains what he is going to do in a calm, confident and readily understandable way. He is excellent at explaining exactly what he is proposing to do and how much it is going to cost. Whatever I wish to discuss with Howard, he has the ability to give all the reassurance I need.

What could they have done better?

I am not really in a position to suggest how Howard could be better. He is the expert and I look to him for complete guidance on all things financial. I have never had any issues or concerns over what Howard has done for me or how he has does it.

Review from verified client

August, 2013

How has Howard Bullock helped you?

My Advisor Howard Bullock of Clear Financial Advice gives me prompt clear advice regarding my Pension and Investments. Howard will say if h3e can help improve my investments or if they should stay where they are. I have been extremely please with the service form Clear Financial Advice and will continue to refer them to my own contacts.

Review from verified client

November, 2012

How has Howard Bullock helped you?

Howard clearly explains to you the reasoning behind his decisions . He is really helpful in assisting you in making the right decisions on investing safely by providing information on fund I choose but also providing alternatives that I might like to think about. He is also proactive in his approach to safeguarding my investments.

What could they have done better?

Nothing

Review from verified client

October, 2012

How has Howard Bullock helped you?

Howard is genuinely concerned about finding the best product for a client and about understanding their own risk profile. I continue to recommend Howard to my clients for expert impartial advice.

Review from verified client

October, 2012

How has Howard Bullock helped you?

Howard is very down to earth so you understand what he is telling you and very honest so you know that he is telling you what is best for you and not him!

Review from verified client

October, 2012

How has Howard Bullock helped you?

I initially spoke to Howard in 2011 regarding some funds we had sitting in a savings account earning little or no interest. As my knowledge of investments was limited Howard explained everything clearly so I totally understood where and why it would be a good idea to invest my money in certain areas. He gave us various We were told what the costs were in total prior to signing any paperwork so that we knew exactly what we were paying for. Since then I have used the services of Howard Bullock on several occasions and would have no hesitation in recommending him and already have done.

Review from verified client

October, 2012

How has Howard Bullock helped you?

My wife and I found Howard to be very clear and structured in all of our dealings with him. Investments: Various options were put to us that were felt to meet the requirements we had outlined. All of these were discussed at length before a "best fit" was agreed upon. Pensions: Both of our pension portfolios were analised to appraise where they were and whether or not any action should be taken to ensure that these would meet our expectations. Howard gave our finances the "health check" that was required and we are very happy with the results.

Review from verified client

October, 2012

How has Howard Bullock helped you?

Thoroughly impressed with Howards advice and whole professional manner. He clearly explained all of the options to me and educated me through the processes. I feel confident that he is looking after my best interests and will continue to refer him to my family, friends and colleagues.