Reviewed for

Insurance and Protection ( 8 )

Mortgages ( 1 )

Pensions ( 89 )

Equity Release ( 2 )

Retirement income (annuities, drawdown) ( 32 )

Investments and Savings ( 19 )

Pension Transfers - Non Specialist ( 14 )

Inheritance Planning ( 6 )

Long Term Care ( 4 )

Pension Transfers - Specialist ( 13 )

Financial Planning ( 12 )

Financial Mentoring ( 1 )

Reviewers' assets

£500k+ ( 8 )

£200k - £500k ( 10 )

£100k - £200k ( 14 )

Up to £50k ( 17 )

£50k - 100k ( 10 )

Client reviews

Repeat review from verified client

July, 2024

Overall

Advice

Service

Value

Based in Merseyside

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

How has William Smith helped you since your last review?

We have had annual reviews of our financial planning performance of our investments which are managed on a platform by William as well as initially composing a will and forming a family trust.

William's reply

Thank you so much for taking time to review my service! It really helps people to find me and have the confidence to appoint us as their trusted advisers. I look forward to our next meeting Regards Will

Repeat review from verified client

June, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

How has William Smith helped you since your last review?

In regular contact , that everything is still working best for me, ongoing

William's reply

Thanks Ken Its good to know I'm getting it right! i look forward to seaking to you soon!

First impression from a user who is not yet a client

June, 2024

Overall

Please provide a brief comment about your experience with William

William kindly provided sensible advice within the free hour.

Repeat review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

How has William Smith helped you since your last review?

William has been very helpful and reassuring and I enjoy are meetings

Repeat review from verified client

April, 2024

Overall

Advice

Service

Value

Based in Flintshire

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

How has William Smith helped you since your last review?

William has remained in contact and we review my pension yearly

First impression from a user who is not yet a client

March, 2024

Overall

Please provide a brief comment about your experience with William

Will offered sound advice without any undue pressure and proposed a different solution that I hadn't even considered. He's knowledgeable, good-humoured and professional and I'm so glad I sought his advice. I would recommend his firm to anyone.

William's reply

Thank you for taking time to leave a review, I really appreciate your comments! tale care! Will

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

Coming up to retirement age several small pension didn’t know what to do and I need help it

How has William Smith helped you?

Combine the pension together and invest into pension in one place and got a tax free amount

Have you seen the outcome you were hoping for?

Yes

William's reply

Thanks for leaving a review Allan, you have been a valued client for over 9 years so its good to know that you still value my services. All the best Will

Review from verified client

March, 2024

Overall

Service

Value

Advice

Based in Merseyside

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

I decided to take the pension plunge into one of my workplace pensions, having not worked since Covid-19 and finances were running thin. Wirral Financial Services were local and I wanted the face to face personal touch.

How has William Smith helped you?

Will arranged the move of funds from Legal & General to Royal London and I was very soon breathing a sigh of relief that i had money coming in. Will was able to classify my approach to investment options quite quickly and set me up with a plan that is starting to make some headway.

Have you seen the outcome you were hoping for?

I haven't seen the outcome yet, as it is early days but Will has been able to do what was needed for me to be very happy with my choice so far.

What could they have done better?

I have only been a client of WFS for a short time but I haven't found anything that Will has done to be anything short of professional, friendly, helpful and accommodating.

William's reply

Thank you for taking time to review my services, please do not hesitate to call me if you have any problems whatsoever!

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Merseyside

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

Advice on appropriate personal pension plan

How has William Smith helped you?

Will simplified everything for me. Not being an expert on pensions all the jargon seemed like a mine field.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Will delivered 100% much needed advice

William's reply

Thank you for your kind comments, I am delighted that you are happy with the service we provided to you! I look forward to speaking to you soon!

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Merseyside

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

I needed to look for an adviser to help me with advice over my private pensions.

How has William Smith helped you?

Will was able to explain everything in a way that I could understand. He took time to make sure that I was happy with the process.

Have you seen the outcome you were hoping for?

Yes, he made everything very straightforward.

What could they have done better?

Nothing, I was very happy with the service provided.

William's reply

Thank you so much for your kind comments , I do my best to provide a good quality service so its nice that it has bee appreciated!

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Merseyside

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

Needed some help and support on pension.

How has William Smith helped you?

Provided excellent advice and a speedy resolution.

Have you seen the outcome you were hoping for?

Yes very quickly.

What could they have done better?

Nothing. Service was excellent.

William's reply

Thank you for taking the time to review my services, it really makes difference for us to know we are doing good work!

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Merseyside

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

I had a pension which I wish to withdraw some money out of.

How has William Smith helped you?

William was extremely helpful, explaing everything along the way and making sure that I understood what was happening and that I was happy with the options that I was given

Have you seen the outcome you were hoping for?

Yes, I am very happy with the outcome

What could they have done better?

There wasn't anything that William could have done better

William's reply

Thank you for your comments and taking time to review our service. I really appreciate it!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Multiple pensions

How has William Smith helped you?

With clear advice easy to follow

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Could not have done much better as relying on 3rd party i.e. pension companies

William's reply

Thanks for taking the time to leave a review , It really helps people who are considering using a Financial Adviser to find the right one for them. Thanks to the reviews we have received this year have now feature in the 2024 Guide to Top Rated Financial Advisers guide, which will be distributed not just in The Times, but also in The Telegraph, the Mail. Thank you!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

I looked locally and found an established financial advisor to deal with several pensions I had.

How has William Smith helped you?

I found William Smith to be knowledgeable, understanding, and overall very helpful.

Have you seen the outcome you were hoping for?

William has brought all my pensions into one pension and provided me with a new pension which suits my needs are presents. I found his charges to be less than other financial advisors and I would recommend him.

What could they have done better?

I don’t believe I could’ve got a better deal anywhere else. I am happy with the outcome and extend my thanks to William and his staff. Thank you

William's reply

Thanks for taking the time to leave a review , It really helps people who are considering using a Financial Adviser to find the right one for them. Thanks to the reviews we have received this year have now feature in the 2024 Guide to Top Rated Financial Advisers guide, which will be distributed not just in The Times, but also in The Telegraph, the Mail. Thank you!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Both me and my husband had a small income drawdowns that were to see us through until we got our Company pensions. They have not been performig well in value in last 2 years and given current climate over the last 1 years with covid, Ukraine, Israel we wanted some sort of stability in case everything falls apart.

How has William Smith helped you?

William was able to review what we had and we were in the best funds but given we don't have much longer to wait to improve the value he suggested a 3 year fixed annuity. The monthly payments wont change and we had the tax free cash to put in a fixed savings policy

Have you seen the outcome you were hoping for?

Yes we have received the tax free cash and just waiting for the fixed annuity to kick in

What could they have done better?

Nothing to be done better

William's reply

Thank you for taking time to leave such a glowing review, It is nice to know you value my service! These reviews help us to win new clients and are a valuable reference for many people. Thank you Christine!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

A complicated business of a variety of little pots of money with various companies.

How has William Smith helped you?

Consolidated all funds into one place.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing, very happy with everything.

William's reply

Thank you so much for taking the time to leave a review of my work, its really nice to feel appreciated! I look forward to speaking to you soon1

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

How has William Smith helped you since your last review?

My husband and I have now both retired early thanks to William securing our future financially.

William's reply

Hello Barbara A big thank you for taking the time to leave a review, I look forward to seeing you both soon!

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

How has William Smith helped you since your last review?

William has always been approachable and just a phone call away, at times just for advice, with no cost incurred. I have recommended him to several of my family and friends.

William's reply

Big thank you for taking time to leave a revue, its nice to be appreciated!

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with William

As someone who has very limited knowledge in pensions and savings, William explained things really clearly and offered some useful advice. He came across as very trustworthy and i would 100% use in the future.

William's reply

Thank you for taking the time to leave a review, it was a pleasure to speak to you!

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

I wanted to consolidate two existing pensions into one more flexible new pension that provides more future benefits.

How has William Smith helped you?

Will has arranged a new suitable pension with more flexibility.

Have you seen the outcome you were hoping for?

Yes, the new pension meets all my needs and can be managed more effectively.

What could they have done better?

I don't believe anything could have been done better. Will listened & understood what I needed and chose a pension that was most suited to my circumstances.

William's reply

I am delighted that you have taken the time to review my services! I look forward to working with you to maximise your income in retirement Regards Will

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Required advice on consolidating existing pensions and future retirement income planning.

How has William Smith helped you?

He has arranged a suitable pension plan that is more flexible and has more potential of growth and provided advice and information regarding retirement planning.

Have you seen the outcome you were hoping for?

A pension has now been arranged.

What could they have done better?

Nothing as of yet.

William's reply

Than you so much for taking the time to comment on our service, I am looking forward to helping you both build a great retirement!

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

For advice on my personal pension

How has William Smith helped you?

Will went through everything with me simply and efficiently. He was excellent with his communication & correspondence following on from my appointments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I couldn’t fault anything regarding my experience.

William's reply

Thank you so much for taking the time to review our service, I really appreciate it, have a great new-year Regards Will

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Being 62 years of age and coming up to retirement age i needed advise on what to do with a couple of pensions that have paid into for a number of years. I have a job currently and needed general advise as to how to maximise all of my allowances etc regarding taking pensions on a long term basis

How has William Smith helped you?

William has been instrumental in how i best approach the coming years. He thoroughly explained how i proceed from the point of view maximising my pension pots. He has painstakingly advised me at every stage in the best avenues for me. He closed both pensions off enabling a one unified pot explained concisely how he believed in my circumstance that taking tax free lump sum was not the best course of action in my circumstances.

Have you seen the outcome you were hoping for?

Absolutely perfect all that he advised he has followed through to the letter. The result being that i am confident that in his hands my interest both current and future will be handled with great professionalism and integrity and with my best interests at heart. My circumstances were complex to me but Will made all aspects easy to understand and i look forward to my future financially knowing he is on my side.

What could they have done better?

Nothing absolutely nothing

William's reply

Thank you for leaving your revue , they really make difference to how our business is viewed by others seeking independent financial advice!

Review from verified client

December, 2022

Overall

Service

Advice

Value

Based in Denbighshire

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

I wanted pension advice

How has William Smith helped you?

Enabled me to get the professional advice I needed when considering my pension options

Have you seen the outcome you were hoping for?

Yes, more than happy with outcome and advice

What could they have done better?

Nothing

William's reply

Thank you for taking the time to leave a review, I hope you have a great new-year!

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

My husband and I both wanted to secure our future financially and obviously of paramount importance our retirement.

How has William Smith helped you?

William Smith has been our Financial Advisor for over 30 years. He has always given honest, integral and sound advice. He is always available for discussion and cannot have been more helpful. He is always professional, friendly , polite and courteous.

Have you seen the outcome you were hoping for?

Definitely - it is down to William Smith that my husband and I have been early to take early retirement.

What could they have done better?

William Smith could not have done anything better. His service and knowledge base is excellent.

William's reply

Thank you so Much for leaving a review, Barbara! hopefully I will still be advising you for years to come!

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

The need to have some planing in place

How has William Smith helped you?

Straight forward financial advice

Have you seen the outcome you were hoping for?

Yes

William's reply

Hello Andrew Thank you for taking the time to review my services, I really appreciate it! See you in Nov/Dec!

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Retirement and Pension

How has William Smith helped you?

William explained the process regarding all aspects of what I wanted out of my retirement, pensions and the best way to use my savings.

Have you seen the outcome you were hoping for?

Yes, up to now all is going to plan

What could they have done better?

As of this moment I have nothing to say that would make me believe he could have done anything better.

William's reply

Thank you for taking the time to review my service, I am delighted that you are happy with our service and I look forward to providing you with a first - class service going forwards!

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

I have a pension that needed to be handled by financial advisor because of the type of pension , they insisted it went via a financial advisor

How has William Smith helped you?

William was extremely helpful and excellent unbiased advice, took time to understand my situation, which also Inc a health element to add to the mix.

Have you seen the outcome you were hoping for?

Yes totally with in 7 weeks, I was receiving my pension as promised .

What could they have done better?

Nothing could have been better , a professional , friendly , honest , straightforward outcome

William's reply

Thank you for the positive comments Ken, you where a pleasure to deal with! Will

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Transferring multiple pensions and withdrawing tax free lump sum.

How has William Smith helped you?

Explained full process in detail and executed without problems.

Have you seen the outcome you were hoping for?

Yes.

William's reply

Thank you for taking the time to leave a review! I'm glad that you were pleased with the service that you received and I look forward to seeing you again next year!

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Flintshire

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

Update on how my Pension was performing and advise about maintaining it

How has William Smith helped you?

Completed a review of my current financial circumstances and recommended a new Pension provider based on the outcome of how I wanted to proceed in the future as I’m nearing retirement

Have you seen the outcome you were hoping for?

Have just set up a new plan, but part of the plan has been implemented successfully

What could they have done better?

Nothing, as I was happy with the service

William's reply

Thank you for leaving a review! I look forward to seeing you again next year! Regards Will

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

I knew it was time to retire, and needed some guidance with pensions.

How has William Smith helped you?

Will provided very good, clear and concise, advice and assistance. In particular how to deal with the different pensions i have, meaning as I go into retirement I have an income and money invested for the future.

Have you seen the outcome you were hoping for?

I have a clear understanding of retirement income from two pensions but will have to wait and see how my invested pension does.

What could they have done better?

All was done well.

William's reply

Thank you so much for taking time to leave a review! I look forward to speaking with you soon!

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Needed a pension.

How has William Smith helped you?

William talked through the realities of a setting up a pension, used plain English and did not do any hard sell.

Have you seen the outcome you were hoping for?

We'll see in about 20 years!

What could they have done better?

William was professional and experienced, I felt he did everything right.

William's reply

Thank you for taking the time to comment, I am happy you are happy!

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

Wanted to talk through how I might manage my monies as retirement approaches.

How has William Smith helped you?

William listened without judgement, got where I was coming from immediately, and gave sound advice. A great experience after some rough ones with other financial advisers. Oh yeah, and he's interesting and interested.

Have you seen the outcome you were hoping for?

Yes - got some clear indicators of what I should (and shouldn't!) do.

What could they have done better?

Nothing....it was great

William's reply

Hi Martin Thank you for the kind words, I hope you have a long and happy retirement! Regards Will

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

I had a pension with my employer which was offering a very low monthly return

How has William Smith helped you?

He checked the market and explained how we could improve my monthly premiums

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing was very happy with the results

William's reply

Thank you for taking the time to leave a review Sue, I hope you have a long and happy retirement! Will

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

A change in circumstances meant I needed to utilise my pension pot in the most efficient way - a task for which I'm wholly suited.

How has William Smith helped you?

After a long chat about my present and future needs William recommended and arranged a drawdown pension. William's a likable, easy to talk to guy who'll explain and go into as much detail as required.

Have you seen the outcome you were hoping for?

Definitely. .

What could they have done better?

Nothing really.

William's reply

Thank you for leaving a review Russ, I was pleasantly surprised at your comments and I look forward to seeing you again at your review next year, ride carefully! Regards Will

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

I was seeking his services regarding a pension drawdown

How has William Smith helped you?

William was highly professional and very knowledgeable, he went out of his way to provide the service I was looking for as I still have a few years before retirement. He answered all my questions and concerns. Communication was excellent, both over the phone and via meeting at his office, he contacted my pension provider on my behalf completing the necessary paperwork as he went

Have you seen the outcome you were hoping for?

Yes most definitely I couldn't be happier with the service provided

What could they have done better?

I can honestly say nothing would have made my experience any better when dealing with him

William's reply

Thank you for taking time to leave a review, I am delighted with your comments! Regards Will

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

As I'm nearing my pension age I felt a need to talk to a professional financial advisor for detailed advice. William was very professional and took time to explain what he was advising me to do with my pensions, and the reasoning behind what he was advising.

How has William Smith helped you?

William studied my pensions, talked with the pension providers and then explained the best way forward. Before any decisions were made William made sure I fully understood what he was advising, and also took into account my own personal risk factor.

Have you seen the outcome you were hoping for?

It is only early days since changes have been made, so this is a question for the future

What could they have done better?

The honest answer is nothing, everything so far has been done professionally and to my liking.

William's reply

Thank you for taking the time to leave a review, I look forward to our next meeting! regards Will

First impression from a user who is not yet a client

February, 2021

Overall

Please provide a brief comment about your experience with William

The advice was very useful and William was very knowledgeable. I would have no hesitation in recommending his services.

William's reply

Thank you for taking the time to leave a review, I will endeavour to give 5 star service should you decide to utilise our services going forward!

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

Due to Redundancy, my financial situation became dire. Will Smith offered the support, advice and help to reduce my financial worries during a difficult time.

How has William Smith helped you?

Will Smith helped transferring a portion of my pension to help reduce my mortgage payments.

Have you seen the outcome you were hoping for?

The outcome was successful, very professional and efficient process through out.

William's reply

Thank you for your kind words Stephen, I hope 2021 is much kinder to you than 2020 and you get back on your feet again! Regards Will

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

We wanted to retire now at 57 but did not want an annuity

How has William Smith helped you?

William found us a drawdown policy that met our needs

Have you seen the outcome you were hoping for?

yes

What could they have done better?

can't think of anything

William's reply

Thank you very much for taking the time to leave a review, it’s greatly appreciated! ?

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with William

Gave me some excellent advice during free initial meeting, advice that was right for me but also meant that he would earn a fee from me. His honesty was very much appreciated, and if I do need a financial advisor in future I will not hesitate to call him again.

William's reply

Thank you for taking the time to leave a review, good luck for the future, stay safe Regards Will

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with William

I have just attended an initial meeting with William. He was very helpful and informative and was clear about his charges. I am definitely going to use his services.

William's reply

Thank you for taking the time to leave a review, I look forward to seeing you soon! regards Will

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with William

Excellent free phone conversation re defined benefits pension and defined contributions pension .

William's reply

Thank you for taking the time to leave a first impression, I'm glad you found our conversation useful. Good luck for the future!

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Advise on the feasibility transferring pension from one provider to another , no charge as during free hour .

How has William Smith helped you?

Offered sensible advise for free in relation to : 1) Cashing in a small direct contribution pension 2) Explained the complications , risks and costs of transferring , then withdrawing funds from a direct benefits pension .

Have you seen the outcome you were hoping for?

Absolutely now have a plan to move forward .

What could they have done better?

Nothing , very professional but friendly at the same time .

William's reply

Thank you very much for taking the time to leave a review, your comments are greatly appreceated! Regards Will

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

I took my pension drawdown and needed advice on what to do with the remaining 75%

How has William Smith helped you?

Will gave me confidence with his understanding approach and knowledge of his industry when I was very worried about my finances in the future

Have you seen the outcome you were hoping for?

I am happy with what will has done with regards to investing my money for the future ..

What could they have done better?

Tea and biscuits would have been nice..as I said earlier will has given me confidence and peace of mind for the future regardless how that plays out and that I’m grateful for..

William's reply

Thank you for taking time to leave a review, tea and biscuits guaranteed at our annual review meeting! Many thanks! Will

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

Had dealt with before so trust was important

How has William Smith helped you?

Helped change to different drawdown as previous was losing on investments & helped with rewriting Will

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing that I can think of

William's reply

Many thanks for taking the time to leave a review Jean, it really helps other people to find me. Speak soon EH? Regards Will

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

Needed to consolidate and if possible reduce charges to the existing schemes acquired through several jobs and consider options for my wife's avc's.

How has William Smith helped you?

Evaluated all the pensions and after discussing our attitude to risk has arranged new schemes matching our requirements.

Have you seen the outcome you were hoping for?

Outcome for advice - yes. To early to tell for final pension provision but the initial increase in fund value is encouraging.

What could they have done better?

Nothing. The process did take several months which was due to the slow responses from the existing pension schemes (which we expected). Will did correspond with the companies frequently but as usual large companies take forever to provide information and process requests to transfer. We were updated regularly by Will.

William's reply

Thank you very much for taking the time to review my service, I look forward to speaking to yoy soon! Regards Will

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

I’m a limited company contractor and I required income protection cover and pension advice.

How has William Smith helped you?

I work in a very risk job where most insurers wouldn’t even consider covering me, but Will managed to find me some very reasonably priced income protection cover. He also Gave me advice regarding transferring my existing pension pot and starting a new pension via my limited company.

Have you seen the outcome you were hoping for?

Yes, Will answered all my questions and provided the results I was hoping for. He didn’t confuse me with any technical language or acronyms, but explained everything in layman’s terms. He was up front and open with all fees and didn’t try to sell me anything I don’t need. I look forward to receiving ongoing advice from him when I require it in the future.

William's reply

Thank you for taking the time to leave a review, its nice to be appreciated!

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Approaching retirement age I was unsure if I could afford to stop working as I has several pensions from different employers plus a private pension. I also needed advice on inheritance planning and making a will.

How has William Smith helped you?

Will took my mess of accumulated pensions paperwork that I'd haphazardly stored over a number of years and made sense of what funds I had and where and then gave me a couple of suggestions based on an assessment of my attitude towards risk. The various options were very clearly explained and made understandable. Will also gave my wife and I excellent advice on inheritance planning that enabled us to make excellent plans for our family. Finally Will aided us in drawing up wills.

Have you seen the outcome you were hoping for?

Absolutely. I had thought that I would have to remain in employment way beyond 65 however I have been able to retire with a living income. Our family is taken care of when we eventually pass, all thanks to Wills' excellent advice.

What could they have done better?

Very difficult to suggest any improvement. Financial mumbo jumbo goes right over my head and Will explained everything clearly and in terms that I could understand at every stage.

William's reply

Thanks for taking the time to leave a review Ian, I hope you are enjoying your retirement! Speak soon eh?

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Wanted drawdown from my avc scheme

How has William Smith helped you?

Discussed all the options available to me in a very clear way

Have you seen the outcome you were hoping for?

Absolutely perfect outcome

William's reply

Thank you for taking the time to leave a review, I really appreciate it! Good luck with your (semi) retirement Regards Will

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Early retirement / redundancy.

How has William Smith helped you?

Advised and arranged draw down pension and trust will.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

We feel the advice we received was best for our circumstances therefore fully met our requirements.

William's reply

Thank you for taking the time to leave a review! I really appreciate it, Regards Will

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

I was about to give up work. The pension provided by my employer was okay, however I felt it could possibly do better elsewhere. With Pensions being a minefield (very difficult to negotiate) and knowing very little about them I felt it was worth getting professional advice.

How has William Smith helped you?

Will (William) listened to our needs. Then armed with various bits of paper and information, he went away and formulated a plan.

Have you seen the outcome you were hoping for?

Will, has produced a package for us of which we are happy, very happy with. It has given us what we were looking for and more. We wanted flexibility with the way in which we access our funds and that is what we have.

What could they have done better?

When ever I read reviews, I have a tendency to read between the lines. Well with Will, from the start I felt like, this is someone who I can deal with. There is nothing I can think of, that he could have done better. He listened, advised, surgested, and took action. During the process I found him to be accessible, kept us up to date with proceedings.

William's reply

Thank you for taking the time to leave a review which I hope will be read by many! I look forward to speaking to you soon Regards Will

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

I was advised to seek independent financial advise before taking some money from my pension pot

How has William Smith helped you?

I would not have been able to access my pension pot without Williams and assisstance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Was retiring with a small private pension

How has William Smith helped you?

With his expertise and knowledge found us a deal that suited our needs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

After 5 years we had to negotiate a life time deal for the annuity left. There was a short delay in this.

William's reply

Thank you for taking the time to leave a review, I really appreciate it! Regards Will

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Confusion over small pension pots and what to do going forward

How has William Smith helped you?

He explained and went through each of them and advised me accordingly

Have you seen the outcome you were hoping for?

Yes happy with the outcome

What could they have done better?

No I was happy with all aspects of the service and have no suggestions

William's reply

Thanks Dan!

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

I needed financial advice as I was taking early retirement

How has William Smith helped you?

He explained the procedure for accessing my pension in the way I wanted

Have you seen the outcome you were hoping for?

Yes

William's reply

Thanks Carol! Hope your retirement is going the way you planned! Regards Will

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with William

He was completely thorough,he spent a lot of time finding out about our needs & our family life and what was best for our future, good guy.

William's reply

Thank you for leaving a first impression, I will endeavour to get a 5 next time! Regards Will

First impression from a user who is not yet a client

March, 2019

Overall

Please provide a brief comment about your experience with William

Gave me info I needed in a clear manner

William's reply

Thank you for taking the time to review my services, I hope things work out ok for you! regards Will

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cheshire

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

Pension advice

How has William Smith helped you?

Will is professional, friendly and understood my needs. He provided the information I needed in a timely fashion. I felt confident in the advice he gave me.

Have you seen the outcome you were hoping for?

Yes - my pension has been transferred successfully.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Looking to set up a regular pension.

How has William Smith helped you?

Advised.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

All good, friendly, informative.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Required life insurance following change in family circumstances

How has William Smith helped you?

Explained the issues around obtaining life insurance eg types of cover, the amount needed. Provided initial quotes then proceeded with more in depth search to find best policy. Helped to draw up documents and guided me through their completion. Very thorough and organised.

Have you seen the outcome you were hoping for?

Yes, have subscribed to a policy.

What could they have done better?

Overall very good, cannot fault at all.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Cheshire

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

When we were coming to retirement age and wanting good advice about our private pension, and making our will.

How has William Smith helped you?

He was such a nice helpful person, who guided us in the right direction but with no pressure, we can honestly highly recommend him.

Have you seen the outcome you were hoping for?

Yes we have been very pleased.

What could they have done better?

We havn't come across anything in the 5years since Will advised us

Review from verified client

September, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Wanted to arrange an annuity.

How has William Smith helped you?

He advised me on several issues which were connected with the annuity and did the relevant research to get the best deal.

Have you seen the outcome you were hoping for?

I hope so, from what William told me recently, though the payments haven't started yet.

What could they have done better?

As there was a delay in Standard Life paying over my pension to the annuity provider, the finalising of the arrangements was very protracted. After phoning William, he then looked into the matter, but it would have been good if he had checked that things were going through beforehand, as this might have prevented or shortened the delay.

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with William

Informative, personable, helpful and generous with his time.

Review from verified client

August, 2018

Overall

Value

Service

Advice

Based in Merseyside

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

I needed someone to advise me on how I should invest my defined contribution pension pot to ensure I had a flexible pension which addressed my needs.

How has William Smith helped you?

By asking relevant questions he came up with a solution that I feel pretty much meets my needs. He also dealt with a number of issues relating to the transfer of my pension pot.

Have you seen the outcome you were hoping for?

I am happy with the pension arrangements that have been put in place . he has also dealt with a few teething issues with the new pension arrangements.

What could they have done better?

I'm not sure there is anything that he could have done better! he has even responded to my emails at the weekend!

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Advice on transfer.

How has William Smith helped you?

WITH A CLEAR AND CONCISE EXPLANATION.

Have you seen the outcome you were hoping for?

YES.

William's reply

Thanks Frank, I was glad to help!

Review from verified client

June, 2018

Overall

Advice

Service

Value

Based in Flintshire

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

Had great difficulty getting any sense out of Phoenix the company who had taken over my pension fund. They were at best unhelpful & mostly employed every delaying tactic possible.

How has William Smith helped you?

Without Will Smiths help & advice I would still be struggling to access the fund. With his help I have now received my tax free sum & been able to move the rest to another company.

Have you seen the outcome you were hoping for?

Yes in fact was given further advice so will save some tax as well.

What could they have done better?

Very little he covered all aspects

Review from verified client

June, 2018

Overall

Advice

Value

Service

Based in Cheshire

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

Accessing pension.

How has William Smith helped you?

Explaining everything in English it was all gobedly goob to me.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

May, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

I had a retirement plan available.

How has William Smith helped you?

He guided me the paperwork and advise me what the outcome could be.

Have you seen the outcome you were hoping for?

The outcome was excellent on my part.

What could they have done better?

No the financial advice could not have been better everything was explained in terms that were easy to understand no hidden phrases

Review from verified client

May, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Had a lump sum to invest.

How has William Smith helped you?

Reviewed current pensions and compared to other providers to ascertain with which company it was best to invest.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Retirement with some money to invest.

How has William Smith helped you?

Considered advice with a very understanding approach.

Have you seen the outcome you were hoping for?

Yes, investment with income from pension.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in Merseyside

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

Recent retirement left me with several plans and I needed profesional advice on my options.

How has William Smith helped you?

Gave me clear advice which was well tailored to my personal needs and wishes.

Have you seen the outcome you were hoping for?

Yes. The process was not without some problems with my old plan holders making a few mistakes but Will Smith was quick to respond when I needed extra help even though he had already recieved his fee. I'm now enjoying the fruits of my investments and would not hestitate to use him again myself or recommend him to others - something I very seldom do.

What could they have done better?

Told me next weeks lottery numbers.

Review from verified client

March, 2018

Overall