Reviewed for

Insurance and Protection ( 15 )

Mortgages ( 13 )

Pensions ( 52 )

Retirement income (annuities, drawdown) ( 31 )

Auto Enrolment ( 1 )

Investments and Savings ( 63 )

Pension Transfers - Non Specialist ( 9 )

Inheritance Planning ( 6 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 3 )

Financial Planning ( 17 )

Financial Mentoring ( 6 )

Financial Coaching ( 2 )

Reviewers' assets

£500k+ ( 17 )

£200k - £500k ( 31 )

£100k - £200k ( 4 )

£50k - 100k ( 1 )

Up to £50k ( 2 )

( 1 )

Client reviews

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Surrey

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

We sought Gareth's expertise for future financial planning after retirement, having been ill-advised previously.

How has Gareth Rees helped you?

Even with all the ups and downs of the economy over the last 8 years, Gareth has responded to and achieved all of our goals very successfully.

Have you seen the outcome you were hoping for?

Yes. The outcome has been better than we hoped.

What could they have done better?

Nothing at all. We are extremely happy with the high level of service and the advice given.

Repeat review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

His advice has been very helpful

Repeat review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

Continued to look after my interests

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I had some extra money come in and needed help and advice. Gareth was recommended to me by a close friend.

How has Gareth Rees helped you?

With his help (and mentorship), Gareth has helped me get to a stage where I can now retire, something I never dreamed about 10 years ago. He first started out as an adviser, he is also now a close friend and someone I admire greatly. Always there when I need him.

Have you seen the outcome you were hoping for?

Yes and then some. He has exceeded all expectations.

What could they have done better?

Nothing!!

Repeat review from verified client

November, 2023

Overall

Value

Advice

Service

Based in Kent

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

How has Gareth Rees helped you since your last review?

Continued with safe, reliable and Informative advice

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth has again offered sound and pragmatic advice to us, and enabled my family to better plan for the future.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in London

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

I was keen to make long-term financial investments and make sound financial plans for the future

How has Gareth Rees helped you?

Excellent advice and the future projections of the plans are hugely helpful. Gareth and the team also make us feel valued as clients, and they're always available to help when we have an immediate issue that needs dealing with

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in London

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

I had a lump sum from my DB pension pot and needed advice on the best way to invest it. I also had a DC pension pot and needed advice on how best to deal with it. In addition, I had a number of different ISAs and wished to rationalise them.

How has Gareth Rees helped you?

Gareth assisted me in unifying my ISAs and investing them in a stocks & shares ISA. He also found an appropriate investment for the lump sum from my DB pension pot and was able to advise on the best way forward with my DC pension. Gareth and his team have always been very approachable and he has dedicated a lot of time to understanding my financial circumstances as well as my aspirations for the future.

Have you seen the outcome you were hoping for?

I felt confident in Gareth's professionalism and am content with the outcome.

What could they have done better?

Making it clearer what types of advice lie outside the 'standard' charging regime (based on a % of your investments) and what advice attracts an additional charge.

Gareth's reply

Hi Freda thank you for taking the time to leave your valuable feedback which is very much appreciated. We pride ourselves on providing clear and concise communication and value all feedback. I will take on board your comments and will be in contact to discuss this further. Kindest regards Gareth

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Surrey

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

After retirement i felt it necessity

How has Gareth Rees helped you?

He has helped me by protecting my pension and planning for the future

Have you seen the outcome you were hoping for?

yes

Gareth's reply

Hi Gerry, Thank you very much for taking the time to leave your 5 star review on Vouched For. It is very much appreciated. It gives me great pleasure knowing that you are confident and financially secure with your retirement plans. Kindest regards, Gareth

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Surrey

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

As my wife and I were coming up to retirement, we wanted a planned income with advice on our investments and pensions.

How has Gareth Rees helped you?

Gareth has been our financial advisor for many years now and has more than achieved the goals we initially set for our future finances.

Have you seen the outcome you were hoping for?

Absolutely. We now have total peace of mind in this ever-changing economic climate.

What could they have done better?

I can honestly say that Gareth and his team have gone above and beyond our expectations.

Gareth's reply

Thank you for taking the time to leave your very kind and honest review with a 5 star rating Chris. My team and I take great pride in providing our clients with an excellent service so reading your comments makes me very happy. It also gives me great pleasure knowing that you have total peace of mind with your retirement plans and overall investments. Kindest regards Gareth

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Surrey

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

We had several pension plans and wanted to consolidate, but also had some specific goals, including retirement

How has Gareth Rees helped you?

We have been clients of Gem&Co for a number of years. Right from the first meeting we were impressed that the advisor really wanted to listen to us - our hopes, financial goals and our current financial status. Subsequently we were presented with some ideas that really showed they had understood our goals and appetite for risk. They took the time to explain in detail their suggestions and we were extremely happy with the outcome. We also have annual review sessions which, again, allow us to course correct or even do some "what-if's" around retirement planning, we find these informative and reassuring. The professional financial planners are supported by a first-rate team, who provide timely communication and are always available to answer specific queries or research questions. We strongly recommend Gem&Co for financial planning and realistic advice.

Have you seen the outcome you were hoping for?

Absolutely, and we feel it is a long-term relationship to keep us on track

What could they have done better?

Nothing comes to mind

Gareth's reply

Hi John, thank you for taking the time to leave your very kind and detailed review with a 5 star rating. It is very much appreciated, and it gives me great pleasure to know that you are happy with the ongoing service you receive from the team at Gem & Co Financial Services. Kindest regards Gareth

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Surrey

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

New business and greater income required more forward planning

How has Gareth Rees helped you?

Gareth has helped both myself and my wife for over twenty years helping to plan for my retirement and now that I am retired

Have you seen the outcome you were hoping for?

All my pensions have been consolidated and are now visible and achieving the hoped for growth.

What could they have done better?

Perhaps sometimes be a little more direct in their financial advice rather than the ‘either or’.

Gareth's reply

Hi David, thank you for taking the time to leave your valuable feedback with a 5 star rating which is very much appreciated! We pride ourselves on providing clear and concise communication and value all feedback. I will therefore take on board your comment going forward. Kindest regards Gareth

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Surrey

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

Recommended by a friend

How has Gareth Rees helped you?

Gareth has helped us plan our investments and helped us think about our future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Gareth's reply

Hi Al & Sue, Thank you very much for taking the time to leave your 5 star review. It is gives me great pleasure knowing that you are satisfied with the service you receive from the team at Gem & Co Financial Services. Kindest regards, Gareth

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Surrey

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

I received an inheritance from my Father and needed a plan for my retirement.

How has Gareth Rees helped you?

Advising me competently on the management of my money through a stocks and shares investment platform.

Have you seen the outcome you were hoping for?

Up to now the outcome is better than expected

What could they have done better?

I can not think of anything.

Gareth's reply

Hi Roger, Thank you very much for taking the time to leave your kind review. It is gives me great pleasure knowing that you are satisfied with the service and retirement advice you receive from the team at Gem & Co Financial Services. Kindest regards, Gareth

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I started earning over a certain amount a year and needed help. I was suggested to speak to Gareth by a mutual friend. This was 10 years ago. I have never looked back.

How has Gareth Rees helped you?

In every way. He and his team are amazing. It is all about the quality of advice, consistent high quality customer service and I have a fantastic experience every time I engage with them.

Have you seen the outcome you were hoping for?

Yes and more so. Returns have been great and I am so glad I spoke to Gem rather than keeping my money in a bank account.

What could they have done better?

Nothing. I honestly mean that. They always go over and above what is required and all with a smile.

Gareth's reply

Thank you for taking the time to leave your very kind and honest review with a 5 star rating. My team and I always strive to provide our clients with peace of mind, so reading your comments makes me very happy. It gives me great pleasure to know that you are happy with the service you receive from all of the team at Gem & Co Financial Services. Kindest regards Gareth

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

How has Gareth Rees helped you since your last review?

Just going over and above for me whenever I need help. It is truly a great business that Gareth runs and the staff follow his example. It’s all about exceptional customer care and Gem provide this consistently.

Gareth's reply

Thank you for taking the time to leave your very kind and honest review with a 5 star rating Krish. Kindest regards Gareth

Repeat review from verified client

November, 2022

Overall

Service

Advice

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

Apart from a drawdown request, handled with Gareth’s usual efficiency, I have not needed any advice. Additionally I receive the usual financial news updates and recommendations.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Kent

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

How has Gareth Rees helped you since your last review?

Reliable , honest and trustworthy advice

Gareth's reply

Hi Sheila, Thank you very much for taking the time to leave your kind review. It is very much appreciated. Kindest regards, Gareth

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth has provided up to date advice in a fast changing economic environment

Gareth's reply

Thank you for taking the time to leave your review with a 5 star rating John. It is very much appreciated, and it gives me great pleasure to know that you are happy with the ongoing service you receive from the team at Gem & Co Financial Services. Kindest regards Gareth

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

With the precarious state of the economy, specific questions I have are answered promptly and professionally. Aleotheregular news letters help me greatly in keeping me up to date.

Repeat review from verified client

May, 2022

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth and his team have helped with advice on where to invest our income for long-term growth

Repeat review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

He has helped with drawdown request, clearly explaining the implications.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Buckinghamshire

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

How has Gareth Rees helped you since your last review?

Yes Gareth has. He is always on hand and available to help with whatever advice I need and has most recently helped me plan for the purchase of our forever house which we are just completing on this week. He is excellent.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

I haven’t had any queries on my SIPP recently as it is performing well. The one drawdown I requested was handled with Gareth’s team’s customary efficiency.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Kent

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

How has Gareth Rees helped you since your last review?

continuing to provide helpful, reliable and trustworthy advice

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

He's helped us consider our options with future investments

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

Updates not only on the performance of my pension investments, but also keeps me advised of general market conditions which could affect me.

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth and his team provide sound advice, and are always on hand to respond quickly to any queries I have.

Gareth's reply

Thank you very much for your review John, it is very much appreciated. I look forward to catching up with you soon. Best, Gareth.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Gareth

Wow - what a knowledgeable and helpful adviser. He was clear, upfront and tried very hard to advise me appropriately even though it was not in his financial interest to do so. This alone speaks volumes. I am seriously considering taking on his services. Watch this space.

Repeat review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

I receive up to date information on my personal investments as well as updates on the economy as a whole and of any changes which may affectme

Gareth's reply

Thank you very much for your feedback which is very much appreciated. Best, Gareth.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Surrey

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

Retired from my long service career in 2001 and needed some advice on what to do with my pension.

How has Gareth Rees helped you?

He advised me where to safely invest my money and where i wold get the best return

Have you seen the outcome you were hoping for?

Yes, as we first spoke with Gareth 20 years ago, we have moved our money around a fair few times since then, and always been happy with the outcome

Gareth's reply

Thank you so much for your feedback. It’s a pleasure working with you and I look forward to helping you in the future. Best, Gareth

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Gareth

Didn’t get any contact from him so no idea really

Gareth's reply

Mr Drake thank you for taking the time to leave this feedback for us. I have looked at your enquiry, and I can confirm that we attempted to contact you prior to you leaving your review, sending you two emails. We received your original inquiry on 22nd February and on that same day we sent you our first email offering two dates for an initial call with our Financial Planner, Gareth Rees. A follow up email was then sent on 25th February. Unfortunately, we didn't receive a response to either of these emails. I'm sorry that we were unable to proceed with setting up a meeting with you at the time, however, should you still need to talk to our Financial Planner then please contact either Alison or me at dean@gemfs.co.uk or alison@gemfs.co.uk and we will arrange an initial call. Dean Wright, Operations Manager

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

My invested inheritance has grown under Gareth's advice and guidance, ensuring the initial pot has grown sufficiently to support me long into my retirement, ensuring I shouldn't never have to worry about my finances. GEM has continued to provide their excellent service throughout these Covidian times with on-line working.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Buckinghamshire

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

How has Gareth Rees helped you since your last review?

My fund has done really well especially during COVID and losses were minimum. Gareth keeps in regular contact and proactively calls if something comes up that requires my attention. He is always on hand to help at any time.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

He has always been on hand to answer my queries, and to handle my drawdown requests quickly and efficiently.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Kent

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

How has Gareth Rees helped you since your last review?

Trust and approach I need to be able to trust the advice and contact my financial advisor when necessary I know my investments are in good hands. Having been a client for a few years I feel Gareth understands my situation and gives sound advice.

Repeat review from verified client

September, 2020

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth has helped us plan better for our futures and those of our children.

Repeat review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

Apart from an annual face to face update on my investment profile and requirements, Gareth and his team are always available to answer any queries or give advice at any time

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

In these trying times, due to COVID-19, Gareth has been a voice of reason. Excellent guidance

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

I continue to have confidence in Gareth and his team. We have been with him for over 10 years now. Following the initial setup of our funds we have had regular reviews and on Gareth’s advice have successfully made one or two quite significant changes to the structure and placement of our funds. We are in a stable position at the moment and do not actively plan any changes to our portfolio. However I believe that Gareth will keep on top of financial trends and if he felt that changes were necessary we could count on his sound advice.

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Buckinghamshire

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

How has Gareth Rees helped you since your last review?

He has been advising me around the current issues and how to invest. Gareth was very proactive on this (as he always is) and his advice has proven invaluable.

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth and his team have continued to provide excellent advice and support over the past year. I would not hesitate in recommending GEM for anyones financial needs.

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

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

How has Gareth Rees helped you since your last review?

Gareth has continued to provide informed advice and ensured he and his team are always available to help with any queries I have.

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

He has continued to provide excellent service and advice and we feel totally reassured during this Covid-19 crisis.

Repeat review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Surrey

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

How has Gareth Rees helped you since your last review?

Apart from regular meetings Gareth and his colleagues are always available for any advice or explanation I might need. Such advice is given freely and clearly.

First impression from a user who is not yet a client

October, 2019

Overall

Please provide a brief comment about your experience with Gareth

He was not available within 4 weeks so I went with his colleague Elliot. I had a phone meeting with Elliot and I asked him questions which he mostly answered but did not really have a good reason why I should go with him over another IFA and felt he was a bit annoyed with answering such questions. I need someone more client focused.

First impression from a user who is not yet a client

May, 2019

Overall

Please provide a brief comment about your experience with Gareth

Thanks for the conversation.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in London

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

Following the receipt of an inheritance following the death of my parents it was important to ensure the funds, were significant but needed to be looked after well, it certainly was not an amount whereby I could give up work.

How has Gareth Rees helped you?

Gareth provided a variety of options, which was very helpful, particularly never having had this amount of money before. Gareth knows what he is talking about and can explain complicated finances in a language that makes sense. As a consequence, I asked him to explain to my daughters about mortgages and they came away truly understanding the process.

Have you seen the outcome you were hoping for?

Gareth not only has a gift in explaining finances but delivers on the outcomes. I have recommended someone who knew a lot about finances and even he said Gareth taught him something new. I could not recommend Gareth more highly.

What could they have done better?

I wish I could think of something ... but I cannot think of anything. Gareth and his team have been able to provide a great service and when we needed a service not provided he was able to make an excellent recommendation.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in London

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

I was looking for reliable and unbiased advice on savings options, particularly as I was about to take my occupational pension.

How has Gareth Rees helped you?

Gareth worked very hard to understand my current financial position and my personal aims and objectives. He was very thorough and helpful in recommending a savings plan whilst making me aware of the tax implications.

Have you seen the outcome you were hoping for?

I have been very happy with Gareth’s advice and appreciate his efforts to make complex financial matters comprehensible to the non-expert.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

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

Time of life and family responsibilities

How has Gareth Rees helped you?

Listened with knowledge and took time to understand my requirements and expectations. Has always given honest trusted advise and have been beyond happy with either the advice given with out fault!

Have you seen the outcome you were hoping for?

always

What could they have done better?

nothing, if not available there is always a trusted member of his team that has gotten back to me in a timely and helpful manner. can not recommend Gareth or Gem more.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Surrey

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

I had two very small pensions which prior to retirement I wanted to consolidate. I reviewed several financial advisors in the srea nI worked nand decided on Gareth Rees after a personal meeting with him.

How has Gareth Rees helped you?

Although the amount was small, I think around £30,000, he gave me as much of his time to ensure that I fully understood everything as if I had ten times the amount.

Have you seen the outcome you were hoping for?

Yes, overall I have been very happy with the outcome since I always understood that returns would vary up and down and there have been many more ups than downs.

What could they have done better?

I cannot think of any area where things could have been better, since any time I have had the smallest question or did not understand something I could lift up the phone tyo Gareth or one of his colleagues and my questions would be answered.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Surrey

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

Investment advice.

How has Gareth Rees helped you?

I've been a client with Gareth for many years now and I'm very happy with the service he provides me and the advice he gives me in relation to my investments. He always takes his time to explain everything in simple terms for me to understand. I find him completely reliable and trustworthy.

Have you seen the outcome you were hoping for?

I'm very happy with the performance on my investments, year on year, as a result of Gareth's advice. I have total peace of mind knowing that my investments are in safe hands!.

What could they have done better?

Nothing at all - happy with everything Gareth and GEM do for me!

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Surrey

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

Needing help when previous home to some investments decided that they no longer met my attitude to risk.

How has Gareth Rees helped you?

Gareth and his team obtained compensation from previous provider. Gareth took considerable time and care to understand my complete financial situation and lifestyle. I was reassured that I should have enough income to cover long-term care whist currently affording to spend more on everyday living.

Have you seen the outcome you were hoping for?

I feel more confident abut my financial situation and know that this will be reviewed on a regular basis.

Review from verified client

November, 2018

Overall

Service

Advice

Value

Based in Kent

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

On the death of my husband I needed advice regarding his pension and the investments that I had. Regrettably the previous Financial Advisor we had used was no longer available.

How has Gareth Rees helped you?

Gareth Rees dealt with my problems in a sympathetic (due to my recent bereavement) in and understanding and professional manner. He understood my problems and gave sound advice without pressure for the future.

Have you seen the outcome you were hoping for?

I was and still am very happy with the advice that Gareth gave . He explained clearly his recommendations and sorted out a difficult problem that I was having with a previous Pension provider. He has clearly provided advice that suited my circumstances.

What could they have done better?

I dont think he could have done anything better. Gareth provides sound , sensible , professional advice and has always been available for any queries or problems that I have had.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I was earning over a certain threshold and need help and advice for future saving and retirement.

How has Gareth Rees helped you?

He has set me up with a short medium and long term plan. I now have goals and objectives in life and enables me to focus on the future.

Have you seen the outcome you were hoping for?

Most definitely. Gareth is brilliant and has been exceptionally helpful.

What could they have done better?

Not a lot. Be based closer to where I live!

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Surrey

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

Having had very poor advice in the past, we were introduced to Gareth and haven't looked back since.

How has Gareth Rees helped you?

He totally understood our situation and needs from the very start. He planned an executed a clear investment strategy that has helped us to retire early. We feel totally reassured in the knowledge that our ongoing financial situation is in excellent hands.

Have you seen the outcome you were hoping for?

Without a doubt, we have peace of mind that our future needs will be comfortably met.

What could they have done better?

Gareth's knowledge and integrity has restored our faith in FCAs! We could not recommend him highly enough.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in London

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

We wanted to plan for our futures.

How has Gareth Rees helped you?

Very clear advice and quick response whenever I get in contact with a query.

Have you seen the outcome you were hoping for?

Yes, our portfolios have grown well while we've been with Gareth.

What could they have done better?

Nothing I can think of

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Financial planning, lifestyle planning.

How has Gareth Rees helped you?

Independent analysis, financial modelling, impartial advice.

Have you seen the outcome you were hoping for?

Yes, most definitely.

What could they have done better?

No improvements, extremely happy with service.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Essex

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

I had been paying into a pension for many years, but had no real idea if I was paying enough, or had any understanding of pensions.

How has Gareth Rees helped you?

He clearly explained everything about pensions and how they work. He helped us set a goal for when we retire, and we have annual meetings to monitor our pension plans. I felt that he understood my situation and lifestyle, and set out a realistic plan for my retirement.

Have you seen the outcome you were hoping for?

Gareth supplied a clear pension and investment plan for myself and my wife. He demonstrated through clear online apps, a picture of our retirement, and how our money will work for us through retirement. We are extremely happy with the service that Gareth supplied, and we have our annual reviews, which currently show us on target for what Gareth planned for us.

First impression from a user who is not yet a client

April, 2018

Overall

Please provide a brief comment about your experience with Gareth

I had a introductory phone meeting. Charges not discussed at this stage.

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in London

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

Several small plans and unsure how best to handle in view of changes in legislation.

How has Gareth Rees helped you?

Came up with a sensible plan given limited pension resources.

Have you seen the outcome you were hoping for?

Obviously not as hopeful as one would like but understand one can't expect more.

What could they have done better?

I suspect not.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Kent

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

Changes in personal circumstances with a new job role which affected my pension dramatically.

How has Gareth Rees helped you?

We managed to reposition my private pension into a fund that is monitored and managed every quarter. My occupational scheme is being impacted by changes in legislation, from 6th April 2016, so with Gareth's help we are looking at ways to have the most tax efficient long term saving vehicle.

Have you seen the outcome you were hoping for?

Yes, we have discussed a number of options and through Gareth's guidance I have managed to make an informed decision on long term investment planning.

What could they have done better?

It would have been great to meet face to face to discuss the changes. However, I did leave it until the last minute and Gareth was flexible enough to find a conveineient slot for us to discuss options.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

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

To help manage my investments following death of my husband.

How has Gareth Rees helped you?

I have found that Gareth has always provided, good , sensible, reliable advice. He responds promply and efficiently with any queries that I may have and I have no hesitation in contacting him when necessary. He understands my situation,is easy to talk to and I have complete trust and confidence in the advice he provides.

Have you seen the outcome you were hoping for?

Recently moved house and Financially sound.

What could they have done better?

No suggestions

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Surrey

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

We wanted to know if we were putting our savings ain the right place and if our pensions would be enough to support us in retirement.

How has Gareth Rees helped you?

Gareth takes in what is required and formulates a response/way forward to meet the requiremt(s). He does listen well and is certainly not condescending. he explains things clearly and slowly and is more than happy to answer questions as they arise. He has been extremely helpful to my wife and I.

Have you seen the outcome you were hoping for?

To date the results have been reasonable. We have been in touch with Gareth for the next steps.

What could they have done better?

This is our first time going to the level of financial detail we required. We cannot find fault with Gareth and the team at GEM

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

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

An Inheritance.

How has Gareth Rees helped you?

Gareth has been approachable, knowledgeable and extremely professional in all the dealings we have had with him. He explains his reasonings behind the advice and guidance that he has given us over the past 4½ years and tailors it to our needs.

Have you seen the outcome you were hoping for?

Outcomes have performed well and met our expectations.

What could they have done better?

As this stage I can not fault Gareth in any of the dealings we have had with him so far.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Surrey

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

I had various small pension pots which were coming up to maturity and needed advice on how best to manage these prior to future retirement. I subsequently had further funds available for investment in a SIPP.

How has Gareth Rees helped you?

Gareth takes the time to explain all the options very clearly and in layman's terms. If at any time I did not understand something or wanted clarification he always made it clear to me. Time was never an issue, he is extremely patient in this respect.

Have you seen the outcome you were hoping for?

The suggested investment of my SIPP has performed very well. Additionally when I have had need to call on his backroom staff for information or assistance they have responded quickly and efficiently.

What could they have done better?

I have now had a further year in which to asses Gareth's performance and I am very satisfied with it, and have recommended him to friends which is something I do not do lightly.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

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

We were looking to make some long term investments.

How has Gareth Rees helped you?

Gem and Co always get back to us immediately whenever we have a query which is hugely appreciated. They're always helpful and very clear when discussing our investment options. We're very happy with them and have recommended them to various friends and family.

Have you seen the outcome you were hoping for?

Yes, very happy with the advice and help we've received so far.

What could they have done better?

Nothing

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Surrey

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

We first looked for a financial advisor when my husband was coming up for retirement age as we needed advice about pensions.

How has Gareth Rees helped you?

Gareth helped us to make the right decision about what to do with our pension funds and also advised us on making some investments.

Have you seen the outcome you were hoping for?

Both my husband and I have now taken our pensions, both state and private, and have each decided on a different way forward so we benefit from both an annuity (for me) and an income drawdown type of pension for my husband, which leaves us with the option to change our current arrangement in the future if we so desire. Our investments are doing well and we are extremely pleased with the advice we have been given.

What could they have done better?

At this stage I cannot think of anything he could have done better. We have an annual review which is invaluable as we constantly need reminding of where we stand and what our options are. Gareth has fulfilled his promises, which no other financial adviser we have ever used has done. We feel confident and happy about approaching him for advice in the future.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in London

How has Gareth Rees helped you?

Worked with Gareth over many years and very pleased to have done so. He is approachable and down to earth whilst at the same time technically competent which means he makes the unfathomable, fathomable! I have also found him to be reliable and trustworthy always putting my needs at the forefront of his advisory services.

What could they have done better?

Not much really. Very happy!

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Surrey

How has Gareth Rees helped you?

Gareth was highly recommended to me and I haven't looked back! I was so confused with all the options available on the market and a friend recommended GEM. I made contact and Gareth was able to provide me with a variety of solutions. It is definitely worth engaging Gareth's services; he gave me lots of scenarios that I hadn't thought of, and I finally found the right solution for me and my family. They are highly professional but also give a personal touch.

What could they have done better?

Nothing- my exceptions were met and exceeded!!!

First impression from a user who is not yet a client

February, 2015