Reviewed for
Insurance and Protection ( 10 )
Mortgages ( 1 )
Pensions ( 63 )
Retirement income (annuities, drawdown) ( 44 )
Investments and Savings ( 63 )
Pension Transfers - Non Specialist ( 21 )
Inheritance Planning ( 24 )
Long Term Care ( 6 )
Pension Transfers - Specialist ( 13 )
Financial Planning ( 24 )
Financial Mentoring ( 4 )
Financial Coaching ( 1 )
Reviewers' assets
£500k+ ( 27 )
£200k - £500k ( 22 )
£100k - £200k ( 4 )
£50k - 100k ( 3 )
( 1 )
Up to £50k ( 12 )
First impression
by a VouchedFor user
5 months ago
Overall
Please provide a brief comment about your experience with Deb
Debs was excellent - knowledgeable, empathetic and friendly!
Deb:
Thank you so much for the review, it's really appreciated. I'm glad I could help out and you know where I am if you do need anything further in the future.Review
by a verified client in North Yorkshire
9 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Pension consolidation and advice
How has Deb Jacobs helped you?
Provided information to make appropriate financial decisions
Have you seen the outcome you were hoping for?
Working out ok at present considering no one controls the markets.
What could they have done better?
Nothing comes to mind
Deb:
Thank you for taking the time to do this Mike, I know you're pushed for time between all your adventures!!! We'll catch up later this year, DebReview
by a verified client in North Yorkshire
9 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
My husband took care of our finances as he was an accountant. When he died I did not feel confidant in taking over the role.
How has Deb Jacobs helped you?
Debs was so friendly and helpful and I immediately felt that I could trust her. She took time to get to know me and my family and has always been genuinely interested in our lives. I had an initial consultation in which she gave my daughters and myself sound advice about inheritance tax. I am the kind of person who has to take time before making any kind of decision and at no time did she pressure me to use her services. I thought about what I wanted for months and then finally reached out to her again. She took time to assess my family's needs and gave me really good advice. I felt secure in putting my trust in her and she has looked after me every step of the way. She has put my finances in order and put my mind at rest that I have done the right things for my family.
Have you seen the outcome you were hoping for?
Yes I have.
What could they have done better?
Nothing. I am very happy with the service Debs has provided.
Deb:
Thank you so much for taking the time to write this for me, I'm really pleased that you feel this way and I'm glad I've been able to give you some peace of mind. I always look forward to our catch up and finding out what you been up to! DebReview
by a verified client in North Yorkshire
a year ago
Overall
Service
Advice
Value
What were the circumstances that caused you to initially look for an adviser?
I was looking for an adviser that could pull all my investments together and help advise on the best approach going forward.
How has Deb Jacobs helped you?
With the type of investment I was hoping to place and the fact that it was all very new to me ,I found Deb’s incredibly helpful and supportive. She was able to guide me and explain in simple terms, so I understood and felt confident to invest. I know Deb’s is incredibly busy, but she still always finds time to answer my questions, even the stupid ones.
Have you seen the outcome you were hoping for?
Yes we are now starting to go in the right direction.
What could they have done better?
I am happy with everything Deb’s and the PenLife Team have done.
Deb:
Thanks for taking the time to write this Martin, I really appreciate it! Looking forward to hearing about your trip away when I see you next.Review
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I wanted to start drawing down from my pension.
How has Deb Jacobs helped you?
Deb has advised and looked after me for many years, she transferred my pension to Penlife a number of years ago.
Have you seen the outcome you were hoping for?
Absolutely. Great service, regular review meetings, confidence in my adviser.
What could they have done better?
Nothing
Deb:
Thanks Justine it's been a pleasure working with you on all your plans and seeing things come to life over the last few months!Review
by a verified client in Lincolnshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
As I was approaching retirement age I realised that I had several different workplace pensions that I needed advice on.
How has Deb Jacobs helped you?
Deb arranged a meeting and went through all the various options available to me. I had a mixture of Final Salary Pensions, Defined Benifit and some Money Purchase Pensions.
Have you seen the outcome you were hoping for?
After discussing all the options available Deb has put together a retirement plan that meets the needs of not only myself but that of my family.
What could they have done better?
Deb could not have done anything better, we are very happy with the way Penlife have handled everything. All the staff are polite and extremely professional.
Deb:
Ian, thank you for taking the time to write this, hopefully Ill see you soon to get this retirement plan in motion!!Review
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I was looking to retire early at age 55
How has Deb Jacobs helped you?
Deb helped me carefully consider risks of transfer of pension as well as the options to achieve my retirement goals..this included predicted income over the lifespan
Have you seen the outcome you were hoping for?
Yes..I am due to retire in 2 months! I am doing this with confidence with my financial plans ongoing
What could they have done better?
Nothing
Deb:
Thanks for taking the time to do this Sue, I think I'm almost as excited as you are for your retirement and I'm just happy we could make it happen as it has, it's all just fallen into place with a little bit of help. Looking forward to hear what you've been up to, DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Receiving an inheritance
How has Deb Jacobs helped you?
Investing the money so we were able to retire early
Have you seen the outcome you were hoping for?
The investment was slow at first but is now showing great progress
What could they have done better?
Nothing. Everything was handled well.
Deb:
Thanks Julie, I'll see you for a catch up later this year, I heard about your lovely holiday, have a great time!First impression
by a VouchedFor user
a year ago
Overall
Please provide a brief comment about your experience with Deb
Deb was very helpful, and found the right advice for my unique situation
First impression
by a VouchedFor user
a year ago
Overall
Please provide a brief comment about your experience with Deb
Very prompt response. Listened to my query and provided very useful advice
First impression
by a VouchedFor user
a year ago
Overall
Please provide a brief comment about your experience with Deb
Very easy to talk to - happy to explain the queries I have - intending to chat with her again after consulting my immediate family
First impression
by a VouchedFor user
a year ago
Overall
Please provide a brief comment about your experience with Deb
I received an immediate response from her explaining she was at a conference and would call me on her return. I hence emailed a number of queries to her that she responded to within 24 hours. A very good experience
First impression
by a VouchedFor user
a year ago
Overall
Please provide a brief comment about your experience with Deb
Very polite and helpful person. Knowledgable and provided what I hope will be excellent advice regarding property and financal matters. Thankyou
First impression
by a VouchedFor user
a year ago
Overall
Please provide a brief comment about your experience with Deb
Deb was very flexible in arranging our appointment and provided me with a clear overview of my options, introducing some options that I was not aware of for consideration in our estate planning. I shall organise a follow up session.
Review
by a verified client in East Riding
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
When we were selling our business and retiring especially on the Inheritance Planning having no direct blood relatives
How has Deb Jacobs helped you?
On Retirement Income we have had a few ups and downs but these have been caused by problems effecting the Financial climate as a whole and we have always remembered Deb saying that investing as we do is for the long run.
Have you seen the outcome you were hoping for?
We have only had minimal dealings in Finance before retiring and therefore have relied very much on Pen-Life and Deb for support. The outcome we have received has been appreciated by us.
What could they have done better?
It is most difficult to assess this not having access to all the services Pen-Life offer. I am sure if we had a problem they could assist with Deb would be on the phone immediately
Deb:
Thank you Susan, I really appreciate you taking the time to write this for me. It's always been a pleasure helping you navigate your retirement. I hope you and Dave are both well and getting ready for Christmas. DebReview
by a verified client in West Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Third party introduction in respect of my requirement for inheritance tax planning.
How has Deb Jacobs helped you?
Yes most certainly
Have you seen the outcome you were hoping for?
The strategy is medium to long term based but so far very good
What could they have done better?
Very little with uncertainty and pessimism in global markets but not looking for short term benefit
Deb:
David it's been a pleasure working with you from the start, I look forward to hearing about what you're up to when we get together. Between us we'll crack this inheritance tax conundrum!Review
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I was working and beginning to earn enough money to seriously plan for my family’s future. The service from my bank had deteriorated so I looked for professional advice.
How has Deb Jacobs helped you?
Deb has helped me hugely both with leading me through the complexity of financial planning but also with her personal advice in helping me identify my goals.
Have you seen the outcome you were hoping for?
Yes. Of course the financial world is particularly volatile at the moment but I’m confident that I am receiving the help and advice I need.
What could they have done better?
Difficult to identify anything. Communication is excellent and I always feel “well looked after”.
Deb:
Mike, thank you for taking the time to write this for me. You're one of my clients that I've known for the longest time and it's a privilege to work alongside people and their families as they tackle life and everything it throws at them. I hope you have a great Christmas with the family. DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I believed that I had an opportunity to take early retirement but needed professional help turning this aspiration into a deliverable plan
How has Deb Jacobs helped you?
Deb wasn’t the first financial planner I spoke to but was the first not to blow my mind with financial gobbledygook or give a hard sell. Deb took me through a very structured and understandable process where I identified my priorities and pre-retirement goals. Once the vision was created it was then a simple matter of applying a timeline and behold I had a plan. With Debs help I managed to take early retirement.
Have you seen the outcome you were hoping for?
Definitely the outcome I was hoping for. I retired early and four years later all is good. It was a massive decision but early anxieties have disappeared as my pension portfolio has proved to be resilient throughout the financial downturn. With Deb I feel that Im in safe hands and this trust brings contentment.
What could they have done better?
I don’t think I can identify any areas that could have been improved. If ever I was uncertain about any aspect of the service provided by Deb an email or phone call would provide a quick resolution.
Deb:
Thank you John, you make my job very easy and it's been amazing seeing you retire early and start all your projects!! I look forward to sharing many more restaurant tips in the future. DebReview
by a verified client in East Riding
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
My company pension would half on my death, and disappear completely should my wife die. I transferred it into a risk appropriate plan through Penlife so that the fund remains within my family. That what was so important to me.
How has Deb Jacobs helped you?
Deb, over various meetings and questions/ questionnaires, advised a plan that suited my personal risk profile, that would provide the income required to suit my personal retirement needs.
Have you seen the outcome you were hoping for?
Yes, my drawdown is comfortable and my fund is showing a positive return.
What could they have done better?
Transferred my company pension a year earlier when I first heard of what Penlife could do.
Deb:
Thank you for taking the time to write this Bob, it's very much appreciated. I'm glad you're enjoying retirement, it's always great to see a plan come together! Catch up next year. DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Retirement
How has Deb Jacobs helped you?
Advice,Planning & Sincerity
Have you seen the outcome you were hoping for?
Obviously the last couple of years have been economically tough but hope things will turn around given time
What could they have done better?
As a company not a great deal it’s been a hard time for everyone
Deb:
Thank you John, always a pleasure to catch up with you! I hope Christmas is stress free for you. DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Looking for advice on my workplace pension scheme
How has Deb Jacobs helped you?
Debs help and advice was invaluable and has enabled me to plan for my future and ensure that my family are secure
Have you seen the outcome you were hoping for?
Yes - obviously at the moment things are tricky with the state of the world but I understand that this is a long term investment and I will still get the outcome that I want
What could they have done better?
Nothing
Deb:
Thanks Nina!!!!!Review
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I had dealt with PenLife in my working life and had a good impression of the firm. On retirement I chose to switch from Zurich and sought advice from Deb which I found easy to understand and useful. My wife has since chosen to invest funds via her office.
How has Deb Jacobs helped you?
We meet with Deb every 12 months or so and discuss our investments. We find this helpful. She is well organised and professional but is always warm and friendly which we find to be important.
Have you seen the outcome you were hoping for?
The results have been satisfactory given the state of the economy in general and the results of the pandemic.
What could they have done better?
As above really. Investments always have room for improvement but given the state of the economy we are generally satisfied with our investments.
Deb:
David, thank you so much for taking the time to write a review, it's very much appreciated. Looking forward to an update when I see you next, DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
My pension provision required looking into to ensure fit for purpose.
How has Deb Jacobs helped you?
The initial advice was explained clearly and fully. The aftercare has been exceptional.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I’m 100% happy
Deb:
Thank you Jane, very much appreciated, looking forward to our catch up!!Review
by a verified client in Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
A friend in the same pension scheme/company had recently transferred their pension into a SIPP and recommend Penlife.
How has Deb Jacobs helped you?
She gave us clear direction and advise not only in our meetings and discussion but the paperwork she gave us we could clearly see where we were going with our investments and what we could achieve. She also was clear about the risks we would be taking and always ensured we were happy with the risk.
Have you seen the outcome you were hoping for?
Yes and no. Initially the investment did really well but then tumbled and have gone flat but we were aware that is the risk you take.
What could they have done better?
Nothing
Deb:
Thanks Julie, I really appreciate you taking the time to do this. I'll see you early next year when I come to see the Alpacas!Review
by a verified client in Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
we were left some money and needed solid advise on where best to invest
How has Deb Jacobs helped you?
She has carefully explained our options and advised us on the best way to secure our investments
Have you seen the outcome you were hoping for?
Yes Indeed
What could they have done better?
nothing!
Deb:
Hi Ann, thank you for taking the time to do this for me. I've seen your comment about helping others in your family to prepare for the future and I'll pick it up next time we get together. Thanks again DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Wanted to start planning for future retirement with a tried and trusted adviser.
How has Deb Jacobs helped you?
I now have a clearer idea of how my retirement will look and when it can happen.
Have you seen the outcome you were hoping for?
Obviously the markets performance are beyond our control but regular reviews mean I’m confident about how things will appear in the future.
What could they have done better?
Nothing.
Deb:
Thanks Katy, not too long now before you can put our retirement plans in action, exciting!!!Review
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Looking at a pension transfer.
How has Deb Jacobs helped you?
Straightforward and easily understandable guidance/advice. No pressure and at all times we felt that the advice was impartial and gave us sufficient information for us to make an informed decision.
Have you seen the outcome you were hoping for?
Yes, not only in the decision we made but also with the chosen adviser and her colleagues. The support hasn’t just disappeared and the firm and Den are proactive in their ongoing support.
What could they have done better?
On this occasion nothing, we have been really pleased with the outcome and ongoing support.
Deb:
Thank you David, it's been a pleasure working with you and seeing things really come together over the last 12 months. I hope you had a great week away. DebReview
by a verified client in West Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
We were looking for sound, sensible & good advice as we were reaching retirement age. Needed inheritance tax planning & advice on investment.
How has Deb Jacobs helped you?
Over the years Deb has done just that. In addition, not only is she personable but also quite clear & clinical with her advice.
Have you seen the outcome you were hoping for?
Yes indeed!
What could they have done better?
Not much more Deb could do. She is the best we’ve seen.
Deb:
Thank you Mahesh, it's been my pleasure getting to know you both, I'm looking forward to seeing you both retire and enjoy all the things you've worked for. Speak soon. DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Recently retired and required financial advice.
How has Deb Jacobs helped you?
Understood my financial situation and how best to invest and protect my finances for the future.
Have you seen the outcome you were hoping for?
Absolutely.
What could they have done better?
I honestly cannot think of anything.
Deb:
Thanks Andy, I hope you're up and about again now, hopefully you got some of your goodies!!Review
by a verified client in Northumberland
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
A pension transfer
How has Deb Jacobs helped you?
Always been there,through difficult times with information or advice needed
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Deb:
Rob thank you for this, I know how hectic life is. Hopefully see you when you're passing us soon.Review
by a verified client in West Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Early retirement.
How has Deb Jacobs helped you?
Deb gave me a full breakdown of my pension options and financial planning for the future.
Have you seen the outcome you were hoping for?
Review is imminent.
What could they have done better?
Unable to comment at this time as awaiting the review.
Deb:
Thanks Barry, looking forward to catching up in the next week or so. DebReview
by a verified client in Cheshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I wanted advice on transferring a company pension.
How has Deb Jacobs helped you?
I contacted PenLife Associates and was put in touch with Deb Jacobs. She explained everything thoroughly and answered all my questions in a easy to understand way.
Have you seen the outcome you were hoping for?
Yes. I have now set up my drawdown pension and it's exactly as I expected. I have complete faith in the portfolio I am in and I'm enjoying my retirement.
What could they have done better?
There's nothing more they could have done better. I can contact Deb whenever I have questions regarding my pension. Always very friendly and give excellent advice.
Deb:
Dave, thank you! All the way from your sunbed, I'm so glad you're doing all the lovely things you worked so hard for. DebReview
by a verified client in East Riding
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Looking to retire in the next 10 years so wanted some professional advice
How has Deb Jacobs helped you?
Demonstrated and explained how our finances would work over the next few years
Have you seen the outcome you were hoping for?
It was the outcome I was expecting
What could they have done better?
Nothing
Deb:
Thanks you Sarah, I know you've all been super busy just recently, hopefully I can catch up with you both soon. DebReview
by a verified client in Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Having substantial capital to invest.
How has Deb Jacobs helped you?
Giving advice and taking the stress out of trying to manage investments on my one with limited financial knowledge.
Have you seen the outcome you were hoping for?
Due to current market volatility No, but I think due to Deb and her teams work a lot better than it could have been.
What could they have done better?
Nothing as far as I know.
Deb:
Richard, thank you for doing this. It's been a pleasure getting to know you both after looking after your Mum for so long. Catch up soon. DebReview
by a verified client in West Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Inheriting some money and having to set up a family trust
How has Deb Jacobs helped you?
I’m totally clueless and Deb has been 100% helpful and available- her and her team have made it as easy as possible for me
Have you seen the outcome you were hoping for?
Yex
What could they have done better?
Nothing
Deb:
Laura, thank you. You're are absolutely not clueless, just super busy with more important things. Speak soon. DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Early retirement
How has Deb Jacobs helped you?
Looks after my pension investment
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing always caring and professional with client interest at heart.
Deb:
Kevin, thank you! It's been a pleasure helping you into retirement over these last few years.Review
by a verified client in Angus
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Better management of our financial affairs and pension planning
How has Deb Jacobs helped you?
Great advice tailored specifically to our needs and always delivered in a friendly way
Have you seen the outcome you were hoping for?
Mostly yes although in line with what is going on in the financial world as a whole
Deb:
Thanks Kati, I hope you're both okay and up to something fabulous!!!Review
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Having to retire from work earlier than planned in order to look after my partner, I needed specialist help to establish how best to handle my private pension and future income needs.
How has Deb Jacobs helped you?
In our initial meeting Deb highlighted various pension options for me to consider given my early retirement situation. I opted to go for a drawdown pension scheme which offered the appropriate flexibility. Deb also helped my partner and I with our joint financial planning and needs. Her expert team also assisted with identifying benefits that I was entitled to as carer for my partner, which I otherwise wouldn't have been aware of.
Have you seen the outcome you were hoping for?
Absolutely YES! Deb and the Penlife Team have kept me informed of all the growth in my investments through regular reviews and updates. I feel very confident that Deb and her team are on-the ball in applying their expertise in delivering the best for me.
What could they have done better?
Nothing. I have faith and trust in Deb.
Deb:
Hello Nigel, Thank you for taking the time to write this review, it's much appreciated! I hope you managed to have a lovely time away, catch up with you soon. DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Transfer of work pension.
How has Deb Jacobs helped you?
She has provided clear, concise well explained advice.
Have you seen the outcome you were hoping for?
Yes.
Deb:
Thank you for the review Andy, it's much appreciated.Review
by a verified client in Ayrshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Going into retirement wanted a firm large enough to deal with larger pension companies but small enough to treat me as an individual and care about my money as if it was theirs.
How has Deb Jacobs helped you?
Friendly, professional and always available to help no matter what my question is. Excellent interpersonal skills and explains complex financial terms in language we can understand
Have you seen the outcome you were hoping for?
Yes money is safe and looked after and movements made to enjoy best returns
What could they have done better?
N/A
Deb:
Thank you George, it was lovely to see you in person last month, I hope you've caught up with yourselves after your trip.Review
by a verified client in Tyne and Wear
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Recommend for good advice
How has Deb Jacobs helped you?
Gave good professional advice on retirement plans ending with a retirement plan that suited me
Have you seen the outcome you were hoping for?
No due to the unstable financial markets and poor government decisions have not had the expected returns
What could they have done better?
Nothing
Deb:
Thank you for taking the time to write this, it's really appreciated. I hope you've managed to get away this year and the hallway is done and dusted!!! DebReview
by a verified client in North Yorkshire
a year ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I was coming up to retirement and wasn’t sure how to plan for my future. Called Pen Life and Deb came out to help me go through everything and gave me advice on the way forward.
How has Deb Jacobs helped you?
Deb arranged for all the changes we discussed to be put into place and soon I could see my pension pot growing. Following this I asked Deb to go through the same with my husbands.
Have you seen the outcome you were hoping for?
We can now both see all our pensions in one place once all transfers had been completed
What could they have done better?
Nothing. We love to see Deb at our annual review and look forward to receiving further advice as we age.
Deb:
Thank you for taking the time to complete this for me, looking forward to seeing the new house soon!!!Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
We were looking to consolidate our investments and plan for our retirement, specifically looking at the potential benefits of transferring out one of our defined benefit pensions.
How has Deb Jacobs helped you?
Deb started with a full review of our financial position as we approached retirement, considering our ongoing income needs, our attitude to investment risk and our inheritance objectives for our children. Deb’s approach really made this process simple and straightforward. We now have our investments and pension pots properly consolidated and easy to monitor. Deb is very friendly and easy to deal with and explains complex financial issues in a really understandable way. She is always available to answer questions at any time, not just in our regular review sessions. She is also supported by a very helpful team.
Have you seen the outcome you were hoping for?
Most definitely, Deb has taken the stress out of our personal financial management. Whilst, our investments, like any, are prone to the fluctuations of the market, we are happy with their progress. Our regular reviews are really helpful and give us the opportunity to flex our approach if we need to.
What could they have done better?
Nothing comes to mind.
Deb:
Neil thank you so much for taking the time to write this, it's very much appreciated. Have a relaxing time away with no canoeing!!!!Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
We wanted to remove the strain of navigating financial markets, get the most from our assets and plan for the future, with the next generation in mind.
How has Deb Jacobs helped you?
Deb has taken the time and trouble to understand our personal circumstances, demonstrated care and clarity in her advice and an expert under understanding of all aspects of activity in which we are interested.
Have you seen the outcome you were hoping for?
We have been really pleased with the outcomes across the board, and the growth that we have seen in our portfolio (financial crash in late 2022 notwithstanding)
Deb:
Thank you Susie, very much appreciated. Enjoy the relaxing break, DebReview
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I wanted advice on retirement planning including transferring my defined benefit pension scheme.
How has Deb Jacobs helped you?
Great help and advice in transferring my pension, took the stress out of it. Helped me see what my retirement would look like.
Have you seen the outcome you were hoping for?
Absolutely delighted with the outcome. My pension investment is being looked after by someone I trust and will help me with my long term options.
What could they have done better?
Couldn’t have asked for anything to be done better.
Review
by a verified client in Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Transfer of pension
How has Deb Jacobs helped you?
Deb helped me to fully explore my future needs regards to pension provision and weigh up pros and cons of transfer. Deb allowed and encouraged me to take my time to consider my options, assessing and recognizing my views regarding risk.
Have you seen the outcome you were hoping for?
Yes transfer completed smoothly with full analysis completed in terms of my future goals in relation to my financial needs on early retirement
What could they have done better?
Nothing
Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Growing older and wishing to manage savings better.
How has Deb Jacobs helped you?
Deb has listened carefully to my needs and acted to fulfill them, adjusting actions when change was required.
Have you seen the outcome you were hoping for?
Overall yes, even when markets have been problematic.
What could they have done better?
Nothing. Deb and the staff at PenLife have always responded quickly to any requests or need for action.
Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
My husband always looked after our financial affairs and when he died I was not confident to take it on. I needed good professional help.
How has Deb Jacobs helped you?
Deb has always been lovely to talk to and I feel confident in the fact that she knows a lot about the area of finance I need help in. She has efficiently sorted out my financial affairs and taken a huge weight off my shoulders.
Have you seen the outcome you were hoping for?
I have.
What could they have done better?
I don't think anything else could have been done. Deb has always kept in touch with help and advice, and when there has been a new offer that she has felt would be right for me, she immediately gets in touch and we discuss it.
Review
by a verified client in Nottinghamshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Transferring some work pensions and personal pensions into a managed pot. (new personal pension).
How has Deb Jacobs helped you?
Deb has consolidated our various pots of money into one place providing opportunity for growth and to enable us to enjoy the rest of our lives as we wish. Straight talking, knowledgeable, empathetic and non judgemental are all qualities exhibited by Deb, all leading to confidence we have placed our funds in the right place.
Have you seen the outcome you were hoping for?
No. However and it's a big however, the Brexit fall out, Pandemic and worldwide economic struggles have not helped grow our pot in the way we would want. None of this can be attributed to Deb and the team, but what we can comment on is the way we are handled as clients and how our pot is steered through these difficult times for us and on that front we are happy with things.
Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
We initially approached Pen Life as we were looking for investments to set up for our children to assist them with their first home purchase, and as we were so pleased with the outcome of those investments, we have now transferred our pension plan across to Pen Life.
How has Deb Jacobs helped you?
Deb has remained our advisor since we were first introduced to Pen Life. She originally set up investments for our two sons, and she spent time with them both explaining the importance and relevance of financial planning at an early age, and they have been delighted with the outcome of their savings plans. Since that time, my husband and I have also had regular meetings with Deb to discuss our personal savings and pension planning. We had lots of small pension funds which were very difficult to keep track of, so we have now transferred everything across to the management of Pen Life and are comfortable that it is performing well and being reviewed on a quarterly basis.
Have you seen the outcome you were hoping for?
We have been delighted with savings plans which were put in place several years ago and although our pension fund has been quite volatile recently with the state of the economy, we are confident that as it is a long term investment plan, it will deliver (and likely to exceed) our original forecast.
What could they have done better?
I only wish we had found them sooner!!
Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
We had savings that we wanted to invest and pensions that we needed advice on.
How has Deb Jacobs helped you?
Deb advised us on where to put our pensions and gives us ongoing advise on where to put our extra income For the best financial outcome.
Have you seen the outcome you were hoping for?
Yes our investments have grown over the years. My husband was very reluctant to put money into a pension and Deb has helped him understand why it works and the need to invest early.
What could they have done better?
They are always improving services and are very proactive.
Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
On retirement needed professional advice regarding financial planning and investments
How has Deb Jacobs helped you?
Provided assessment of attitude to risk and therefore gave sound advice in all aspects of financial planning.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing really-satisfied
Review
by a verified client in North Yorkshire
2 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Not satisfied with previous service provider who failed to maintain contact and was difficult to get in contact with.
How has Deb Jacobs helped you?
Given sound impartial advice, regularly reviews my portfolio and provides a thoroughly dependable and professional service.
Have you seen the outcome you were hoping for?
My outcomes and expectations are in line with my attitude to risk.
What could they have done better?
Nothing I can think of.
Review
by a verified client in Yorkshire
3 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I required quality financial advice and having seen Pen Life's advertisements, decided to explore the options with them as they appeared to be reputable and provide a professional financial planning service.
How has Deb Jacobs helped you?
Deb was allocated to me to provide pension advice given her expertise in this area. The service that Deb initially provided was very professional, thorough and explained in a way that gave me a clear path of the options available. Having decided to use Pen Life to manage my pension investments, Deb has continued to provide a top quality service.
Have you seen the outcome you were hoping for?
My pension investments are being looked after by someone who I trust to provide me with the long term lifestyle option that I have chose.
What could they have done better?
Nothing.
Review
by a verified client in North Yorkshire
3 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Taking early retirement
How has Deb Jacobs helped you?
I immediately struck a rapport when I met Deborah and felt I was ‘in a safe pair of hands’. Deborah immediately understood my needs and offered advise to suit my immediate and future needs.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Deborah could not have done any more than she has done. She is very approachable and on-hand to help when required.
Review
by a verified client in North Yorkshire
3 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
To enable me to move and manage my pension
How has Deb Jacobs helped you?
Gave advice and helped me understand the processes
Have you seen the outcome you were hoping for?
Very much so
What could they have done better?
Nothing at present pleased with the results
Review
by a verified client in North Yorkshire
3 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Retirement and requiring on the best way to save and grow pensions and savings.
How has Deb Jacobs helped you?
Deb has been faultless in her help over a variety of items.
Have you seen the outcome you were hoping for?
Most certainly .
What could they have done better?
Very little, every person I have dealt with has at the time given my wife and I very sound advice.
Deb:
Thank you so much for taking the time to write a review, I really appreciate it and it's lovely feedback. DebFirst impression
by a VouchedFor user
3 years ago
Overall
Please provide a brief comment about your experience with Deb
There seemed little interest in progressing my enquiry. A shame….. by the way….. I spoke to a colleague, Justine, not Deb. She was not available.
Deb:
Hello, I was on holiday last week which is why my colleague Justine called you so as not to keep you waiting after your enquiry. It wasn't that we weren't interested in your enquiry, with any enquiry we're keen to help where we can but at PenLife we have minimum investment levels and unfortunately on this occasion you didn't meet them. DebFirst impression
by a VouchedFor user
4 years ago
Overall
Please provide a brief comment about your experience with Deb
Very friendly and informative
Review
by a verified client in Tyne and Wear
4 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Financial planning for retirement
How has Deb Jacobs helped you?
Gave me good honest advice all the negatives and positives
Have you seen the outcome you were hoping for?
Yes now planning to retire at the end of 2020
What could they have done better?
Don't know seems to have worked well with her methods as is.
Review
by a verified client in North Yorkshire
4 years ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Early retirement
How has Deb Jacobs helped you?
Debs gave great advice and help in deciding what to do with savings etc not required at present
Have you seen the outcome you were hoping for?
Yes apart from the impact of coronavirus
What could they have done better?
All great
Review
by a verified client in Ayrshire
4 years ago
Overall
Advice