Reviewed for

Insurance and Protection ( 11 )

Pensions ( 52 )

Retirement income (annuities, drawdown) ( 20 )

Investments and Savings ( 30 )

Pension Transfers - Non Specialist ( 19 )

Inheritance Planning ( 3 )

Long Term Care ( 2 )

Pension Transfers - Specialist ( 3 )

Financial Planning ( 2 )

Reviewers' assets

£500k+ ( 8 )

£200k - £500k ( 13 )

£100k - £200k ( 5 )

£50k - 100k ( 3 )

Up to £50k ( 10 )

Client reviews

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

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in West Lothian

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

I realised I had absolutely no idea about my pension and was really concerned about it as I'm fast approaching retirement age. I spoke to a friend of mine who had recently got advice from Gareth and she could not recommend him highly enough.

Have you seen the outcome you were hoping for?

Yes.

How has Gareth Nicholson helped you?

Gareth gave me great advice which I followed and got the reassurance I really needed.

What could they have done better?

I don't think Gareth could have done anything better.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Cumbria

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

I had sold my business property and needed to sort out an income for my wife and I

Have you seen the outcome you were hoping for?

Yes in fact it has exceeded my expectations

How has Gareth Nicholson helped you?

He has understood our needs and was very efficient in implementing them

What could they have done better?

Nothing as yet

First impression from a user who is not yet a client

January, 2024

Overall

Please provide a brief comment about your experience with Gareth

We visited Gareth for a first consultation regarding our pension needs in the future. We found Gareth to be a super friendly, approachable yet very professional guy with lots of useful advise. We will definitely be in touch with Gareth when the time comes to make a purposeful pension plan. We would highly recommend Gareth's services to our friends and family Hazel & Rob

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Working out what to do with all my various pensions.

Have you seen the outcome you were hoping for?

Probably different from what might I have been expecting - but better.

How has Gareth Nicholson helped you?

He gave me clear questions to ask of my pension providers. He then gave me sound information, based on the new information I had gleaned.

What could they have done better?

Nothing.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement planning

Have you seen the outcome you were hoping for?

Yes

How has Gareth Nicholson helped you?

Helped me feel in control of future choices and reassured

What could they have done better?

Nothing

Gareth's reply

Thank you for taking the time to leave me a review and for your postive feedback it is appreciated. I was really glad I could put your mind at rest and I am looking forward to working with you for years to come. Thanks Gareth

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

A friend recommended Gareth to me after my husband died two years ago. It sounds naive, but my husband had previously taken care of our finances and I felt I needed professional help to sort everything out and plan for the future.

How has Gareth Nicholson helped you?

I immediately felt Gareth was someone I could trust, he always explains everything in ‘plain English’ and ensures I fully understand his advice. He is friendly, with a good sense of humour and isn’t patronising. I have already recommended him to several friends.

Have you seen the outcome you were hoping for?

Gareth has helped me sort out and consolidate my finances whilst investing on a long term basis for the future.

What could they have done better?

Nothing…I really appreciate the help and advice he’s already given me and I intend to use his services until he retires!

Gareth's reply

Thank you for taking the time to leave me a review and for your postive feedback it is appreciated. I have really enjoyed working with you over the past two years and I am looking forward to working with you for years to come. Thanks Gareth

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

I had various old pensions which hadn't been looked at for years and I wanted to review themn and make sure my retirement plans were on course.

How has Gareth Nicholson helped you?

Gareth was great, he was great to deal with and expalined everything in a clear and straightforward manner. We have collated all my pensions into one which has lowered fees, I now have access via online and a mobile app and I feel the monies are much better invested than before.

Have you seen the outcome you were hoping for?

Yes I am very happy with the service and I have recommendced gareth to friends and colleagues already.

What could they have done better?

Nothing. Thank you for your help Gareth.

Gareth's reply

Thank you for taking the time to leave me a review and for your postive feedback it is appreciated. It was a pleasure to work with you and glad I could help. Thanks Gareth

First impression from a user who is not yet a client

December, 2021

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

Overall

Please provide a brief comment about your experience with Gareth

Gareth was excellent - explained exactly what type of support I needed was clear that I didn't need his expert support at the moment. Impressive honesty/.

Review from verified client

April, 2021

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

Overall

Advice

Service

Value

Based in Cumbria

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

Mixed results with self managed investments over the years and now, getting nearer to retirement, taking professional advice seemed right.

How has Gareth Nicholson helped you?

Gareth advised myself and my wife on our pensions and ISA funds.

Have you seen the outcome you were hoping for?

Relatively early days as funds were transferred to be managed by Gareth just one year ago. That said, Gareth has always been highly responsive and excellent at providing updates. The mix of funds recommended seem to have performed broadly as expected in the short term.

What could they have done better?

Initial fund transfers were slow but this was primarily due to Hargreaves Lansdown (my previous funds platform) being very slow to respond to our instructions to sell down our funds.

Gareth's reply

Thank you for taking the time to leave me a review and for your positive feedback it is appreciated. I have enjoyed working with you both and look forward to doing so for many years to come.

Review from verified client

March, 2021

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

Overall

Advice

Service

Value

Based in Cumbria

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

To invest my pension

How has Gareth Nicholson helped you?

Gareth explained everything to me so I could fully understand my pension investment

Have you seen the outcome you were hoping for?

Yes so far

What could they have done better?

They could have not done better everything was done excellently

Gareth's reply

Thank you for taking the time to leave me a review and for your positive feedback. I look forward to working with you both for years to come while you enjoy your well deserved retirement.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

We needed advice on our Pension status and what to do over the coming years in order to prepare for "Retirement" .. or more appropriately as Gareth calls it "Financial independence"

How has Gareth Nicholson helped you?

He did exactly that. We now know what we need to do, what we don't need to do and have the peace of mind that all is correctly in place.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing

Gareth's reply

Thank you for taking the time to write me a review and for your positive feedback. It has been a pleasure working with you both and I am looking forward to continuing to do so for years to come.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

Planning for our retirement.

How has Gareth Nicholson helped you?

Gareth outlined all the different options available to us and explained all the advantages and potential disadvantages with each. From the beginning, it was clear Gareth has the knack of being able explain the complexities of personal finances and products with ease. This has enabled us to move forward into the retirement stage of our lives with confidence.

Have you seen the outcome you were hoping for?

We have been clients for approximately three years and we are very happy with the way our finances are managed.

What could they have done better?

As far as we are concerned nothing. Gareth is a friendly and approachable person. Nothing is too much trouble and you feel able to ask him anything. He is always prompt to deal with queries and it is an absolute pleasure to deal with him.

Gareth's reply

Thank you for taking the time to leave me a review and for your kind words. It has been a pleasure to work with you both in recent years and I look forward to continuing to do so for years to come.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

Coming up to retirement, i required financial advise on my private pensions. Having little knowledge about this complex area i looked for the services of an adviser.

How has Gareth Nicholson helped you?

After talking to several persons i decided to meet with Gareth, immediately upon our first meeting Gareth put me at ease. We talked of my immediate and future needs regarding income, and security of investment products, A plan was put in reviews place and yearly are now the norm, with the knowledge that although i can now sit back my funds are being looked after by Gareth and Tait Walker. If i have any questions regarding my investments, Gareth is prompt to reply to my queries.

Have you seen the outcome you were hoping for?

Yes the process was very good with yearly growth across my portfolio,

What could they have done better?

i dont think anything could have been done better extremely proffesional and friendly.

Gareth's reply

Thank you for taking the time to leave me a review and I am glad you have been pleased with what I have done for you. I look forward to working with you for years to come while you enjoy your well deserved retirement.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumberland

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

Coming up to retirement. I had various private investments and wanted them consolidated, also best uses of my savings for growth and security.

How has Gareth Nicholson helped you?

In a very clear, easy to understand manner Gareth explained my options.

Have you seen the outcome you were hoping for?

Six months in I am very pleased with the advice and service up to now.

What could they have done better?

Nothing comes to mind.

Gareth's reply

Thank you for taking the time to write me a review and for your positive feedback. I look forward to working with you for years to come throughout your retriement.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

Inherited some money and didn’t know what to do with it as I was lucky enough not to need to use immediately. I had cash ISAs with low return and little idea how to invest beyond them.

How has Gareth Nicholson helped you?

Gareth helped me by investing my inherited money and existing cash ISAs in stocks and shares ISAs at a risk level I was happy with. More recently he has helped me unlock a personal pension plan and suggested movement of other funds

Have you seen the outcome you were hoping for?

I’ve been very satisfied with the outcomes, despite financial downturns nationally and globally. Feeding money into cash ISAs would never worked in the long term but I didn’t know where to start. It feels as though I’m in a better position and in control

What could they have done better?

I have no idea. I have nothing to compare with but Gareth is approachable, proactive and explains his suggestions. He has a good grasp of where we are in life and what we need or may need in the future

Gareth's reply

Thank you for taking the time to write me a review and for your kind words. It’s been great to work with you both and I look forward to doing so for years to come.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Lancashire

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

I wanted to make sure my pension arrangements were on track

How has Gareth Nicholson helped you?

Gareth helped my understand how my existing pension prospects were looking and suggested ways to help improve my situation.

Have you seen the outcome you were hoping for?

Yes! I've also made other non-pension financial decisions since working with Gareth and the better understanding I have of my long term situation (thanks to Gareth) has helped me with my planning around these decisions.

What could they have done better?

Nothing!

Gareth's reply

Thank you for taking the time to leave me review it is appreciated. I am glad I was able to help you and I look forward to continuing working with you for years to come.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

I wanted to have my pension monies to be in an investment where my family would benefit not just my wife

How has Gareth Nicholson helped you?

Gareth explained my options in detail and I felt that his advise outweighed leaving my pension in the company

Have you seen the outcome you were hoping for?

More than what I expected in the first year with Covid and a reduced economy

What could they have done better?

At this stage of Gareth managing my finances there is nothing more I could realistically ask of Gareth

Gareth's reply

Thank you for taking the time to write me a review and for your positive feedback. It was great to be able to help you and your family. I look forward to working with you both for years to come.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

I took early retirement, and wanted to withdraw from the Company Defined Benefits Scheme

How has Gareth Nicholson helped you?

He basically sorted out what I wanted, and did so in a stress free manner.

Have you seen the outcome you were hoping for?

Absolutely YES

What could they have done better?

I doubt it.

Gareth's reply

Thank you taking the time to write me a review and for your positive comments. I look forward to working with you for many years to come, while you enjoy your well deserved retirement.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cumbria

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

In my early 50s but cruising along without any clear plan on when I could retire or what options were available to me. I considered myself quite money-smart but was amazed at what Gareth was able to do for me (including saving on fees)

How has Gareth Nicholson helped you?

He helped me consolidate my savings into a single pot before diversifying the risk. He opened new opportunities with my pension funds and demonstrated how I could get the money working for me over the years ahead.

Have you seen the outcome you were hoping for?

Yes, and then some. I know markets can go down as well as up but his fund selection had been brilliant and its broad enough so that a fall in any one sector won't leave me high and dry. He's also advised where more immediate capital should be placed to minimise risk and provide financial certainty. Gareth has far exceeded expectations.

What could they have done better?

Chocolate biscuits or a wee dram with the coffee? ;)

Gareth's reply

Thank you for such a great review and for your kind words. I am glad I was able to make a real difference to both of your lives, as that is the 'magic' of proper financial planning. I will make sure we are stocked up with biscuits for our next meeting.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Purchase of new home

How has Gareth Nicholson helped you?

Sourced the most appropriate insurances for my needs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

We recently bought a house and needed life insurance.

How has Gareth Nicholson helped you?

He found us the life cover we needed and sorted everything out it was hassle free.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing he was great. Very relaxed and always kept us updated with everything.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

We were looking for life insurance and I come protection

How has Gareth Nicholson helped you?

From the initial contact with Gareth he was very friendly and we felt comfortable straight away. Gareth arranged everything for us. Very knowledgeable in all aspects and gave us great advise. Also kept us updated throughout the process. Would highly recommended him.

Have you seen the outcome you were hoping for?

Yes we have. We got exactly what we asked for and needed. Very happy.

What could they have done better?

Very happy with the whole process and service. Keep doing what your doing. Great service.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

Retired & needed guidance on transfer of Pension & ongoing financial advice thereafter

How has Gareth Nicholson helped you?

Arranged a Specialist to look after transfer of Pension & then Gareth has looked after me ever since

Have you seen the outcome you were hoping for?

Gareth has provided a great service that has ensured a good performance of my investment to date. The results after 12 months have been very good in what has been a turbulent time !

What could they have done better?

No issues at all I can’t praise highly enough the highly professional Customer Service I have had & continue to have

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

We just bought our first house.

How has Gareth Nicholson helped you?

He helped to obtain life cover. He was very professional and friendly. He gave us great advice and found us brilliant cover.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing. He did everything we needed.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

Disappointment with current pension return.

How has Gareth Nicholson helped you?

Gareth provided clear, jargon free advice and demonstrated how we could easily improve our pension returns.

Have you seen the outcome you were hoping for?

We've just moved our pensions with Gareth so time will tell!

What could they have done better?

No negative feedback.

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

I was looking to buy a new property and wasn’t sure if I should cash in my investment ISA.

How has Gareth Nicholson helped you?

He advised me to keep the ISA but reinvest it . Then to take advantage of the low interest rate and take out an interest only fixed rate mortgage.

Have you seen the outcome you were hoping for?

I have the mortgage in place and my ISA and pension funds are being re-invested.

What could they have done better?

Nothing, he gave me the advice I needed straight away, then took the time to look into my finances and give the appropriate advice, our meetings were pre arranged long enough in advance that I could plan my work load around them. I never felt rushed to make a decision and Gareth asked me for all the information he needed up front, I was not looking for information at the last minute.

Gareth's reply

Thank you for taking the time to write a review it is much appreciated. I am glad I was able to help you and I look forward to working with you in the years to come.

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Westmorland

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

I had a frozen pension and when I was able to transfer it because of the amount of money involved I had to use a professional advisor

How has Gareth Nicholson helped you?

He helped me by transfering my frozen pension

Have you seen the outcome you were hoping for?

Yes - very much so

What could they have done better?

Nothing he was brilliant in the task that he carried out

Gareth's reply

Thank you for taking the time to write a review it is appreciated. I am really enjoyed working with you on your retirement plans and I look forward to helping you in the years to come. Thanks Gareth

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

To review the pensions of myself and my husband

How has Gareth Nicholson helped you?

He was able to transfer the pension and save us money on fees. He helped us understand our financial situation in the future and explained everything in a clear and precise manor. We totally have a better understanding or where we are at now and probably at retirement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

To be honest, I do not think he could have done any better

Gareth's reply

Thank you for taking the time to write a review it is appreciated. I am glad you both benefitted from my advice and I look forward to working with you both in the future. Thanks Gareth

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Gareth

Initial call held only but this was helpful and have arranged follow-up meeting to discuss my requirements further.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

We needed advise as to whether or not reinvest a pension pot.

How has Gareth Nicholson helped you?

Gareth explained what the pros and cons were of taking out a pension pot and reinvesting.

Have you seen the outcome you were hoping for?

Yes, the advise we received from Gareth was the correct recommendations for us.

What could they have done better?

Sorry, there weren't any.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Received money from sale of business and inheritance

How has Gareth Nicholson helped you?

He listened to and understood our concerns and objectives and provided us with considered and appropriate advice. His manner is straightforward and genuine and he inspires a feeling of trust.

Have you seen the outcome you were hoping for?

This was a recent investment but we are confident that the advice given is the absolute best for our requirements.

What could they have done better?

Genuinely believe Gareth ticked all the boxes for us. His projections were not overly ambitious and he was completely transparent about fees.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Due to redundancy, I wanted to access pension early

How has Gareth Nicholson helped you?

He listened to our situation and thoroughly researched all options available to me then discussed a solution

Have you seen the outcome you were hoping for?

Early days to see final outcome but very happy so far

What could they have done better?

In our situation we cannot think of anything he could have done better.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Transfer of Occupational pension....and also investment of an inheritance.

How has Gareth Nicholson helped you?

Gareth discussed simply,and knowledgeably,the benefits of transferring my pension to another provider,in a friendly confident manner,that I fully understood.He also efficiently handled my inheritance savings questions,and I am very confident in his handling of my monies,in the future.

Have you seen the outcome you were hoping for?

Yes,above my expectations so far,so I am really happy with Gareths service.

What could they have done better?

Gareth handled everything brilliantly!

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

I wanted to find out if I should drawdown my Final Salary Pension and move it to a SIPP.

How has Gareth Nicholson helped you?

Gareth explained the process, the benefits and risks involved and arranged a joint meeting with a pension drawdown specialist. I went ahead with the drawdown and SIPP.

Have you seen the outcome you were hoping for?

Yes. I have received my 25% tax free and details of the unit trust investments as we discussed.

What could they have done better?

I honestly don’t think Gareth could have done better. He was very approachable, professional and thorough. I would recommend him wholeheartedly to friends and family.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Early retirement.

How has Gareth Nicholson helped you?

Advised on pension transfer and future income from investments.

Have you seen the outcome you were hoping for?

Yes. To date income and interest predictions look favourable.

What could they have done better?

On reflection a more in depth explanation of how the costs and commission is calculated and when withdrawn. Other than that everything was covered in a very succinct and informative manner.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

I was looking at moving an existing pension

How has Gareth Nicholson helped you?

Gareth was advising my husband regarding his pension and he asked about my plans and retirement . Gareth was wonderful and explained everything in fine detail , he was very knowledgeable in the industry , very approachable and totally reliant and trustworthy .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Gareth has been wonderful , he is always on the end of the phone and if any questions or I need advice , he would deal with it immediately .

Gareth's reply

Thank you for taking the time to write a review and for your positive feedback. Best Regards Gareth.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Imminent retirement

How has Gareth Nicholson helped you?

Gareth asked me my views on retirement and advised me of the options available ,

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Gareth could have done no more to help me , he did exactly what he said he would do , very promptly and is always keen to listen and advise.

Gareth's reply

Thank you for taking the time to write a review and for your positive feedback. I enjoyed working with you and shaping your retirement plans and I look forward to continuing this work throughout your retirement. Best Regards Gareth.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

I run a business and have young children and I was looking for advcie around bith business and family protection/insurance.

How has Gareth Nicholson helped you?

Gareth listened to me and really took time to get to know my business and my personal circumstances. He then came up with a range of different ideas and in the end we agreed upon a suitable solution. He wasn't pushy at all and I really feel like Gareth is on my side.

Have you seen the outcome you were hoping for?

Yes definitely. Gareth was brilliant!!

What could they have done better?

Nothing.

Gareth's reply

Thank you for taking the time to write a review and for the kind words. I am glad I was of real help to you, your family and your business. Best regards Gareth.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Lancashire

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

I had policies maturing and I needed some advice how to invest them and to look for a long term strategy for our income.

How has Gareth Nicholson helped you?

Gareth took all our details; both income and expenditure and applied our expectations to the future performance of our Investments. It was presented in a way I found easy to follow and he gave me the confidence to ask him to handle all our financial business in the years to come.

Have you seen the outcome you were hoping for?

Yes. The balance of risk against performance is reassuring. I was floundering in the mass of information that is in the media and the clarity and logical way Gareth talked me through the options has given me peace of mind.

What could they have done better?

Sorry; I can't help you on this question. I am fully satisfied with the outcome of our meetings and would feel comfortable in contacting Gareth should any query arise.

Gareth's reply

Thank you for taking the time to leave me a review it is very much appreciated. I look forward to working with you for years to come.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Transfer of a frozen pension.

How has Gareth Nicholson helped you?

Gareth came to our house and went through the options that were available, he explained things in simple terms and was very easy to communicate with.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

Gareth could not have done anything better - he was superb

Review from verified client

May, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

We needed help with our pensions.

How has Gareth Nicholson helped you?

He talked us through our options giving us great advice.

Have you seen the outcome you were hoping for?

To early to say yet , but I totally trust Gareth.

What could they have done better?

Nothing. Gareth is always easy to talk to and explains everything.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

pension planning.

How has Gareth Nicholson helped you?

This was our annual meeting with Gareth and he explained taking a retirement income along with the tax implications i start receiving my state pension in April and Gareth sat down with Moyra and myself and we worked out our monthly financial needs to top up my state pension. very pleased and reassured by our meeting.

Have you seen the outcome you were hoping for?

Yes Gareth explained everything with great detail so both Moyra and myself understood.

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Gareth

Gareth is very personable and knowledgeable. I am considering my pension options and at our initial meeting he listened carefully to my financial situation and outlined his services and charges and outlined my options at a level which I could easily understand. There was no pressure to use his services at all. In particular, I was impressed by the extent and depth of Gareth’s knowledge of all things financial, in particular the Stock Market of which I have an interest as well as pension choices.

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Gareth

Very pleased with the first meeting with Gareth. His information and professional manner, talking me through comprehensively about what i can and cannot achive. Very please and will forward onto anyone whom needs financial advice.

Review from verified client

December, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

Needed a private pension setting up.

How has Gareth Nicholson helped you?

he provided the information needed in this matter.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing he covered everything I needed him to

Review from verified client

December, 2017

Overall

Advice

Service

Value

Based in Lancashire

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

Valuation and consolidation of pension funds and advice on best use of the funds.

How has Gareth Nicholson helped you?

Gareth quickly got a grasp of our needs and was very clear with his advice on our options and what would work best for us. He took time to understand our Long term needs and goals and how best these could be fulfilled.

Have you seen the outcome you were hoping for?

Very pleased and confident that we got the best advice.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

pension advice.

How has Gareth Nicholson helped you?

put us on the right path.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

very happy with the service given, most friendly and polite manner.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

Needed to find out what exactly I had in my pensions as I was totally in the dark about what they were worth and how to access and manage them.

How has Gareth Nicholson helped you?

He explained what I had what they were worth and ways I could invest or take out that suited my profile at this stage in my life, he did this in a very professional style but also in layman's terms that myself and my partner understood,he also answered all queries or worries we had in a very friendly manner that made us feel totally at ease with what seemed at the beginning to be very complex and confusing mass of Paperwork full of confusing stats and long winded jargon.

Have you seen the outcome you were hoping for?

So far everything is going well we have a good understanding of what is happening and only the future can tell what the outcome will be as we are only just starting our new journey, we do however feel we can contact Gareth as and we may feel the need and are confident he will have the knowledge to assist with any concerns in his friendly confident manner.

What could they have done better?

I have never needed the help of a financial adviser in the past so feel unable to suggest in any way what Gareth could do to improve or do different. He has been understanding, very friendly and seems to have a vast knowledge of his chosen profession

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

I re-married and needed a financial review.

How has Gareth Nicholson helped you?

He sourced all the information required regarding my existing policies and provided a none biased overview of these. he helped me make a very informed choice to move my pension to another provider and has greatly helped myself and my husband understand our financial position, not just currently but for the future.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

I have been extremely pleased with the outcome and service provided and don't consider that Gareth could have done anything better.

Gareth's reply

Thank you for taking the time to leave me a review and for your positive comments. I look forward to working with you both for years to come.

Review from verified client

September, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

Early retirement due to ill health.

How has Gareth Nicholson helped you?

Organised my pension transfer and helped me with other policies. Yes.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Gareth was very professional but also made some complicated issues easy for me to understand.

Gareth's reply

Thank you for taking the time to leave me a review and for your positive feedback. I was really pleased I could help you at a time in your life when it was needed so much and I look forward top working with you in the future.

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Gareth

A1

First impression from a user who is not yet a client

August, 2017

Overall

Please provide a brief comment about your experience with Gareth

I only met Gareth today but was very impressed with his professional but friendly approach. Its early days yet, but from my experience of him so far, I hope this develops into a good future relationship. I am confident that Gareth can provide the type of advice I need, and will prove invaluable in planning my retirement.

Gareth's reply

Thank you for taking the time to leave me a review and for the positive feedback. It was a pleasure to meet you today and I look forward to hopefully working with you in the years to come.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

I was stopping work and needed advice how best to use my private pension funds. I was recommended by the government pension help scheme to find an adviser using Vouchedfor.

How has Gareth Nicholson helped you?

He listened carefully to what my hopes and intentions were over the next 12 months and gave me sensible, practical advice about my options. Gareth is an easy person to get on with, having an approachable, friendly, down to earth manner. I felt comfortable from the beginning.

Have you seen the outcome you were hoping for?

Yes. Very much so (far!).

What could they have done better?

Nothing

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Cumbria

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

I needed some quality advice from an individual that I trusted in relation to transferring a pension. It was potentially such a large amount unneeded to be confident in the individuals knowledge and professionalism. I worked with Gareth in the past and he's one of the best individuals I've ever come across in his field of work. It had to be Gareth that hunted down to help me and my family.

How has Gareth Nicholson helped you?

Gareth has looked at all options in respect of my old Company pension and has managed to reduce my retirement by 10 years and leave a lasting Legacy to my son should anything happen to me. I will be eternally grateful for Gareth's help and advice as he has shaped my future for the better.

Have you seen the outcome you were hoping for?

And so much more. I'm over the moon and Gareth is so unassuming. Down to earth and in no way pushy. He's an expert in his field.

What could they have done better?

Nothing.

Gareth's reply

Thank you for taking the time to leave me a review and for your such positive comments, they are very much appreciated. I am very pleased that you feel I have made a real difference to your life and I look forward to working with you for many years to come.

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Gareth

Within just a few months of 65, I had done a lot of thinking about my financial position, and how comfortable retirement could be. I was also trying to convince my wife that although she was still several years off retirement age herself we could both afford to stop. So I looked for a FA to help make decisions about all our existing pension schemes and also to review our future financial situation. The first thing which impressed me about Gareth when we had our free meeting was how he took the time to understand what we knew, and what our aims and concerns were. It wasn't just a "let me tell you how we can invest your funds" but more a case of getting to know and then advising. We followed with several [free] meetings and phone calls and Gareth was always very flexible with fitting in. I have subsequently used him to recommend a new single fund manager and then take care of all the arrangements in moving funds from the old providers. The funds are being moved into a new scheme as I write this. We have also agreed to keep him as an adviser, at least for the next year or two, while retirement kicks in and the funds need to be monitored to see we are on track for our lifestyle.

Gareth's reply

Thank you for taking the time to write a review and for your kind words. It was a pleasure to work with you both and I look forward to continuing our relationship in the coming years.

Review from verified client

February, 2017

Overall

Advice

Value

Service

Based in Lancashire

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

We wanted to make best use of pension and savings.

How has Gareth Nicholson helped you?

He advised on pension and investment providers.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Concern about previous advice with respect to investments.

How has Gareth Nicholson helped you?

He researched the issue with which we were struggling, using in-house experts and other means. He helped us to look at our long term financial profile, highlighting where improvements could be made and offering reassurance that some decisions already made were sound.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything.

Gareth's reply

Thank you for taking the time to leave me a review and for the positive feedback it is appreciated. I am really glad I was able to help you both and offer reassurances and I look forward to working with you both in the years to come.

First impression from a user who is not yet a client

September, 2016

Overall

Please provide a brief comment about your experience with Gareth

Friendly, approachable, helpful and informative. Interested in finding the best way of helping us.

Review from verified client

September, 2016

Overall

Advice

Service

Value

Based in

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

I wished to retire early and needed assistance with my Pension Providers to provide straight answers with pension pots amounts and advice on investments and options best suited to my lifestyle.

How has Gareth Nicholson helped you?

He provided all the answers to the above. His approach was warm and friendly and gave me confidence with his suggestions and advice.

Have you seen the outcome you were hoping for?

The recomendations were clear and available in an accepted time frame.

What could they have done better?

After having been very disappointed by a previous company and Finacial adviser, I was initially relieved that Gareth Nicholson was positive with my personal situation and have been very satisfied with follow up meetings and options he has provided for me. I am not aware of how to improve his warm open style approach and customer care.

Gareth's reply

Thank you for taking the time to leave me a review and for your very kind words. I really enjoyed working with you both and look forward to continuing our relationship throughout your retirement.

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in Dumfriesshire

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

I am approaching retirement age and have 4 company pensions.I wanted to get all my savings into one pot for easy access.I also wanted to ensure I would be financially sound on retirement.

How has Gareth Nicholson helped you?

gareth looked at all my pension options and has given me a solution that I am very happy with .he also pointed out some other options that I was not aware of.I certainly feel I am in a better position for retirement.

Have you seen the outcome you were hoping for?

I am happy with the advice I received,.

What could they have done better?

Nothing I am aware of

Gareth's reply

Thank you for taking the time to leave me a review and for your positive comments which are appreciated. I am glad you feel that after taking my advice you are now in a better position and I look forward to continuing to work with you in order to ensure this is always the case.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Lancashire

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

Help reviewing pension options.

How has Gareth Nicholson helped you?

Pension advice and planning.

Have you seen the outcome you were hoping for?

Yes. Aware of the options available to me.

What could they have done better?

Nothing

Gareth's reply

Thank you for taking the time to leave me a review and for your positive comments. I look forward to working with you over the coming years to ensure your pension and retirement plans continue to meet your needs.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

I wanted to review my current pension and look at the options going forward to retirement.

How has Gareth Nicholson helped you?

We discussed my requirements both currently and for retirement and then he gave me some options on what i could do.

Have you seen the outcome you were hoping for?

Not yet as i am not retired yet.

What could they have done better?

nothing as far as i know.. i will let you know when i retire..

Gareth's reply

Thank you for taking the time to leave a review and for your positive feedback. I am really glad I was able to advise and help you implement a real strategy for your pension and retirement plans. I look forward to working with you over the coming years to ensure this strategy remains on track.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement.

How has Gareth Nicholson helped you?

He went through all the options and gave good explanations of each one in respect to my situation. He clearly wanted an investment which was best for me, that I was happy with and was very patient and positive. It was a relaxed atmosphere and I did not feel under any pressure what so ever.

Have you seen the outcome you were hoping for?

We went through the risk level I was most comfortable with and I believe the investment we have selected will meet my expectations. It's early to quantify this as it has only just been set-up.

What could they have done better?

I can't suggest any improvements as I feel he did a thorough job and took the necessary time to at each meeting to ensure I was happy with the outcome. I have also been involved with other financial advisors and they did't do anything over and above Gareth's approach.

Gareth's reply

Thank you for taking the time to leave a review and for your positive feedback. I felt we worked well together and I am looking forward to continuing our relationship throughout your retirement which I am sure you will enjoy.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Approaching retirement age and needed professional advice on my pension and investment funds.

How has Gareth Nicholson helped you?

Gareth was able to explain to both of us what we could achieve with our savings so that in the future as our circumstance's change we would be able to draw on our invested funds to enable us to enjoy life and also meet any unexpected outgoings. Gareth using his knowledge and IT resources was able to illustrate various options again to meet our future needs.

Have you seen the outcome you were hoping for?

More than pleased with the advice offered and recommendations made by Gareth. We had time in between appointments to assess recommendations and any concerns we had were addressed confidently. We are more than happy with the pension advice given to us by Gareth.

Gareth's reply

Thank you for leaving a reply and for your kind words they are appreciated. I really enjoyed working with you both and I am glad I was able to add real value to your financial planning. I look forward to continuing our relationship for years to come while you both enjoy your retirement.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Approaching retirement age and having several legacy pension schemes and ongoing options for funding.

How has Gareth Nicholson helped you?

Gareth helped a great deal with advice on which pensions to take now, and which to leave in place, as well as setting up pension schemes for my wife and myself that we could fund from our company's funds.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

The process could have been expedited a little more quickly, but we're so happy with the outcome, we take the view that it was worth waiting for!

Gareth's reply

Thank you for taking the time to complete a review and for your positive feedback. I am glad I was able to add real value to your retirement planning and in turn your business. I do agree with your sentiment that the whole process could of been delivered in a more timely manner and as most of this was due to waiting on third parties I hope this would not happen again in the future. With this in mind I look forward to continuing our relationship going forward.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Nearing retirement and wanted expert advice in maximising my pension.

How has Gareth Nicholson helped you?

Gareth understood our requirements immediately and gave a concise and understandable review of the options open to us. More importantly he took time to get to know us and could therefore taylor his advice to suit our exact expectations in making the most of our pension pot.

Have you seen the outcome you were hoping for?

We are in the early stages of our relation ship so time will tell, however It is obvious that Gareth is extremely knowledgeable professional and I have no reason to doubt his advice.

What could they have done better?

As you can see from the ratings I found the whole experience to be excellent and very importantly for me quickly built up a relationship of trust, so no other suggestions

Gareth's reply

Thank you for leaving a review and for the great feedback it is greatly appreciated. I really enjoyed working with you and advising you on your retirement plans. I am looking forward to continuing our working relationship over the coming years. I hope you enjoy your retirement.

Review from verified client

May, 2016

Overall

Advice

Value

Service

Based in Cumbria

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

Was unsure about my pension and needed advice about its worth and if it was beneficial to continue working until I was 60.

How has Gareth Nicholson helped you?

He translated a minefield into language I understood and my questions and concerns answered in full.

Have you seen the outcome you were hoping for?

Most definetely.

What could they have done better?

Gareth covered everything in full No constructive suggestions

Gareth's reply

Thank you for taking the time to leave me a review and for such great comments. I was really glad I could guide you in the right direction with your pensions and that you found my advice useful.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Nearing retirement.

How has Gareth Nicholson helped you?

Explained the pension industry and pensions, in a way the we understood.

Have you seen the outcome you were hoping for?

Not yet!.

What could they have done better?

Obviously we were a little concerned about handing our life savings (pensions) to a relatively unknown individual. However Gareth stayed in touch with us via phone and email to reassure us about the process etc. I can't think of anything that he could have done better.

Gareth's reply

Thank you for taking the time to leave me a review and for your great comments. Having only just started working together I am looking forward to building a great working relationship over the coming years. Thanks Gareth

First impression from a user who is not yet a client

May, 2016

Overall

Please provide a brief comment about your experience with Gareth

Telecon only MEETING arranged next week spoke about all of the matters I was interested in look forward to MEETING him

Gareth's reply

Eric, thank you for taking the time to leave a review. I will go through the charges involved with financial advice in detail at our first face to face meeting next week. To confirm the first meeting is at my expense. Looking forward to meeting you next week. Thanks Gareth

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Advice on pension.

How has Gareth Nicholson helped you?

Gareth was fantastic , really helpful , he explained everything , that we did not understand regarding our pension ,.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing he explained everything we asked about , he was brilliant

Gareth's reply

Thank you for taking the time to leave a review and for your positive comments. I enjoyed working with you and helping you make those important decisions at retirement.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Gareth

Gareth was friendly and professional. He spent time getting to know us and understanding our requirements and gave help and advice on how to move foreward to maximise our retirement income.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

For pension planning advice.

How has Gareth Nicholson helped you?

Carefully went through the pension options and gave us a strategy to go forward.

Have you seen the outcome you were hoping for?

Our preferred option was not possible but an alternative plan was put in place.

What could they have done better?

Difficult to think of any way it could have been a more useful session

Gareth's reply

Bob, thank you for taking the time to write a review and for your positive comments. I am really glad I could help you with your retirement planning and even more so that you found my advice useful.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Early retirement has prompted both my wife and myself to seek financial advice to manage our personal pensions and savings.

How has Gareth Nicholson helped you?

After having meetings with Gareth we both felt he understood our financial situation and expectations for professional help to manage a way forward in our retirement.

Have you seen the outcome you were hoping for?

Gareth produced a retirement planning report for us based on our current position, it covers our objectives and explains different situations. He talked us through the full document and we found him to be very informative, helpful and professional, we now feel more comfortable and confident going into retirement.

Gareth's reply

Hi Alan, thank you for taking the time to leave me a review and for your kind words. I look forward to working with both you and your wife throughout your retirement.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

I recently became self employed and wanted to ensure I was managing my money correctly while I was saving for a deposit for a house. I also wanted to look into the best health insurance available to me.

How has Gareth Nicholson helped you?

Gareth understood and recognised my current priorities providing reassurance and good advice which allowed me to put an achievable plan in place. He also advised me of an excellent insurance plan and discussed my future requirements going forward.

Have you seen the outcome you were hoping for?

Yes I have a financial plan in place and more importantly feel reassured that I will have good solid advice now and in the future with Gareth.

What could they have done better?

Gareth was excellent in recognising what my requirements and apprehensions were and instilled me with a confidence in our relationship.

Gareth's reply

Paul, thank you for taking the time to write me a review I really enjoyed our meetings and look forward to working with you in future years while you grow your business.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

I needed advice about Life Cover for my Mortgage.

How has Gareth Nicholson helped you?

Gareth listened to my requirements and found the best product to suit my needs.

Have you seen the outcome you were hoping for?

Yes. 1st class service.

What could they have done better?

Nothing.

Gareth's reply

Mark, thank you for a great review.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Reviewing existing pensions.

How has Gareth Nicholson helped you?

Helped me save money on my pensions with straight forward advice.

Have you seen the outcome you were hoping for?

Yes very pleased with the advice. Gareth was very friendly and at no point did I feel I was being sold to or under pressure.

What could they have done better?

Nothing. Great Service.

Gareth's reply

Natalie, thank you for taking the time to write me a review it is appreciated.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

To arrange life insurance.

How has Gareth Nicholson helped you?

Gave us good impartial advice and helped us to choose the right cover. He also explained terms that we weren't familiar with very well and simplified the process.

Have you seen the outcome you were hoping for?

Yes.

Gareth's reply

Alexandra, thank you for taking the time to write a review and for your positive comments.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

We were looking for some advice on what to do with our pension pot .

How has Gareth Nicholson helped you?

We had excellent service from Gareth ,he provided us with clear advice in words that we could understand,he has a very friendly and approachable manner,and he guided using what we know is the correct direction for our funds,I would have know hesitation in recommending him to family and friends.

Have you seen the outcome you were hoping for?

Not yet ,but we hope to see our funds grow and see us comfortable in our later years.

What could they have done better?

Gareth did all and more that we asked.,could find no fault with him

Gareth's reply

Brenda, Firstly thank you for taking the time to write a review it is appreciated. It was a pleasure helping both you and Stuart and I look forward to working with you both in the years to come throughout your retirement.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Retirement.

How has Gareth Nicholson helped you?

Private Pensions.

Have you seen the outcome you were hoping for?

Yes outstanding service and professional from start to finish !!!! Would Recommend Gareth to others.

What could they have done better?

Nothing

Gareth's reply

Thank you for such a great review it is appreciated. It was a pleasure advising you on your pensions and I hope you have a long and happy retirement.

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Lancashire

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

Coming up to retirement, I have three pension plans and needed advice given the recent pension changes.

How has Gareth Nicholson helped you?

Gareth reviewed the individual policies and explained the benefits to each. We then discussed my needs for retirement and the best way to achive these. Gareth was very clear and took time to answer my questions then suggested the best way forward. .

Have you seen the outcome you were hoping for?

The advice given allowed me to have a secure income and additionally allowed for some investment. The plans appear well suited for me.

Gareth's reply

Geoffrey, thank you for taking the time to write me a review and for your positive comments it is appreciated. I look forward to working with you over the coming years as you as you enjoy your retirement.

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

Santander do not give any advice.

How has Gareth Nicholson helped you?

very professional and on the ball everything was explained and we are very satisfied with him .

Have you seen the outcome you were hoping for?

very much do.

What could they have done better?

happy with everything we wanted to hear

Gareth's reply

Thank you for taking the time to write me a review it is appreciated.

Review from verified client

January, 2016

Overall

Advice

Service

Value

Based in Cumbria

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

I was looking for help regarding saving for my child's university fees.

How has Gareth Nicholson helped you?

Gareth was very easy going and as I am someone who knows nothing about investments I felt completely in the loop the whole way through the process.

Have you seen the outcome you were hoping for?

Yes very happy with the advice and would be happy to recommend Gareth to others.

What could they have done better?

Nothing.

Gareth's reply

Gemma, thank you for taking the time to write me a review and for your kind words they are appreciated.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Cumbria

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

I needed to transfer my occupational pension into something more suitable for my needs.

How has Gareth Nicholson helped you?

He was very patient, listened properly to my needs and then used his knowledge and experience to suggest solutions I hadn't even thought of; I felt this gave me real value for money. In addition to this Gareth was extremely polite, friendly, efficient and professional.

Have you seen the outcome you were hoping for?

Absolutely. I have full confidence that my instructions will be carried out and I am already looking forward to the annual reviews I have and building a relationship with Gareth over the coming years.

What could they have done better?

Nothing, I was delighted with everything.

Gareth's reply

Martyn, thank you for taking the time to write me a review and for your positive comments they are very kind. I look forward to working with you for the future years and building on what we have recently put in place.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Lancashire

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

I was reaching retirement and needed advice regarding my pensions.

How has Gareth Nicholson helped you?

Gareth was very clear and understanding and gave me great peace of mind at an important time in my life.

Have you seen the outcome you were hoping for?

Very happy with the advice and would be happy to recommend Gareth to any who is close to retiring.

What could they have done better?

No nothing I can think of.

Gareth's reply

Liz, thank you for taking the time to complete a review and for your kind words.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Cumbria

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

I had recently downsized my home and needed advice on investing the equity balance.

How has Gareth Nicholson helped you?

Gareth organised my finances and advised me on where to best invest my monies. He took great time and care regarding my affairs and I felt at complete ease with him throughout the process.

Have you seen the outcome you were hoping for?

I have been taking advice from Gareth since 2007 and I have found him a pleasure to deal with. He is only ever a phone call away and always responds to any of queries in a timely manner.

What could they have done better?

Nothing. I have always been pleased with his service.

Gareth's reply

Patricia, thank you for taking the time to complete a review and for the kind words you have used. I have always enjoyed our meetings and continue to look forward to working with you throughout your retirement.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Cumbria

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

Needed life insurance.

How has Gareth Nicholson helped you?

Helped me find the right insurance for me and my wife.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing he was very thorough and informative . Also a very friendly guy . Felt at complete ease with him . Great honest advice . Highly recommended and will definitely use again for other services

Gareth's reply

Thank you for taking the time to leave me a review and for your positive comments.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in Cumbria

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

I needed advice on various areas of finance and Gareth was very helpful across all these areas.

How has Gareth Nicholson helped you?

He was very professional however took a very friendly approach to our meetings which I liked. He did not rush me and allowed me enough time to ensure I was comfortable with everything he had recommended before going ahead.

Have you seen the outcome you were hoping for?

I am very happy with the outcome of our meetings and look forward to working with Gareth in the years to come.

What could they have done better?

Nothing I can think of.

Gareth's reply

Thank you for taking the time to leave me a review and for your positive comments.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Cumbria

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

I had received a lump sum from an inheritance and was looking to invest it for growth. Gareth was recommended to me by a friend and I am glad they did. Gareth took a very relaxed approach and spent time getting to know me taking time to explain everything in plain English.

How has Gareth Nicholson helped you?

Gareth spent a lot of time with me and was able to recommend a suitable investment for growth which I was comfortable with . I am very happy with the investment especially as it has made use of various tax allowances making it tax efficient.

Have you seen the outcome you were hoping for?

My current situation is great and I am very pleased with the work Gareth has done for me.

What could they have done better?

I really can't think of anything. Thank you for your help Gareth.

Gareth's reply

Thank you for taking the time to leave me a review and for your positive comments.