Reviewed for

Insurance and Protection ( 7 )

Mortgages ( 26 )

Pensions ( 41 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 11 )

Investments and Savings ( 62 )

Pension Transfers - Non Specialist ( 2 )

Inheritance Planning ( 3 )

Long Term Care ( 8 )

Pension Transfers - Specialist ( 1 )

Financial Planning ( 59 )

Financial Mentoring ( 47 )

Financial Coaching ( 72 )

Reviewers' assets

£500k+ ( 1 )

£200k - £500k ( 2 )

£100k - £200k ( 2 )

£50k - 100k ( 5 )

Up to £50k ( 32 )

Client reviews

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

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Manchester

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

How has Ed Fraser helped you since your last review?

I have more control of finances and how to pick myself back up when things go wrong. Resilience has been key to build with Ed’s support

Repeat review from verified client

November, 2023

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

Overall

Advice

Service

Value

Based in Sussex

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

How has Ed Fraser helped you since your last review?

Ed was great and has really helped me over the last year, I am in a much better financial situation to when we first spoke

Repeat review from verified client

November, 2023

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

Overall

Advice

Service

Value

Based in London

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

How has Ed Fraser helped you since your last review?

he always has been very helpful, especially with explaining insurance and will planning. His clear guidance has significantly improved my financial decision-making

Review from verified client

November, 2023

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

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for a financial coach?

I received some inheritance money and was interested in investing it, but had no idea where to start. My friend recommended Ed.

How has Ed Fraser helped you?

Ed has helped me to understand my options and given me the confidence to proceed with investing and smarter savings. I have also started to think about pension planning.

Have you seen the outcome you were hoping for?

Yes, I am pleased with the decisions I have made and feel better informed about my money management.

What could they have done better?

Nothing!

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

My employer purchased a group subscription for Octopus Money coach and i was keen to take some advice.

How has Ed Fraser helped you?

Ed has helped me to grow a healthy savings pot through passive high rates savings accounts. He has also shown me where to look for good resources independently. he also helped me with methods to track my spending habits.

Have you seen the outcome you were hoping for?

Absolutely. my savings pot has grown significantly. I feel much more knowledgeable and I have more command over my own spending.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

I sought structured guidance to improve the posture of my personal finances.

How has Ed Fraser helped you?

Ed has helped to act as a trusted adviser/sounding board, helping structure the approach to my personal finances, savings and investment. Ed has helped me to articulate my goals and to create concrete actionable items which will help me achieve my personal goals, including advice on how to optimise my finances.

Have you seen the outcome you were hoping for?

During our time working together I have ticked off some big goals (including optimising the way in which my savings are held to maximise returns, repayment of large home-purchase related charges), so I have seen very positive progress working with Ed.

Repeat review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Nottinghamshire

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

How has Ed Fraser helped you since your last review?

Prompted our financial discussions, helped us consider options and approaches to make most of what we have.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I have made no financial plans for my future and need some pointers as I am getting older.

How has Ed Fraser helped you?

Yes, he has given me a basic outline of what steps I should be taking.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. All the information he gave me was useful and he made me feel at ease when talking to him.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Suffolk

What were the circumstances that caused you to initially look for a financial coach?

Offered through work for a reasonable amount of money

How has Ed Fraser helped you?

Helped me to create a detailed financial plan and understand when I will be able to achieve the financial goals I want in my life.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for a financial coach?

Wanted to have more educational education like finding the right savings account and eventually learn about investing as well

How has Ed Fraser helped you?

He gave me advice on budgeting and always answered all my questions, as well as gave me advice and "homework"

Have you seen the outcome you were hoping for?

I'm more conscious of my spending and question myself more before making a purchase, which helps me.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Dorset

What were the circumstances that caused you to initially look for a financial coach?

Work offered the service and I decided to do it more than once. Understanding retirement is very helpful

How has Ed Fraser helped you?

Got us into action to understand where and how we spend and also to get more confidence on our retirement.

Have you seen the outcome you were hoping for?

Not fully yet but still in process.

What could they have done better?

Not much really.

First impression from a user who is not yet a client

October, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed explained everything thoroughly, making it it easy to understand. He listened to what I needed and explained how he could support me

Review from verified client

October, 2023

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

Overall

Service

Advice

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I wanted to have a better overview of my finances and make a plan for myself to reach particular goals

How has Ed Fraser helped you?

Ed has helped me see what I can be doing more of to ensure I reach goals as well as helping to take the fear out of financial conversations. He has given practical solutions and has answered any questions I have in a clear and accessible way.

Have you seen the outcome you were hoping for?

I think I'm on the right track and with further sessions will be closer to my goals.

What could they have done better?

All is going very well so far.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I wanted to see whether there were other opportunities out there for me to make my money go further in my day to day spending and longer term goals.

How has Ed Fraser helped you?

Ed has helped me to become more accountable with my money and to consistently track where my money is going.

Have you seen the outcome you were hoping for?

Yes through the time I have spent with Ed by budgeting and tracking I have been able to hit my short term financial goals and got me on a path

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Poor budgeting and excessive spending

How has Ed Fraser helped you?

Ed has helped me greatly get a handle on my spending and given positive guidance on my spending psychology

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I had savings which I was not sure that I was making the most of in terms of investing and using the best saving accounts.

How has Ed Fraser helped you?

Ed has advised me where to place money and how much to place in each account to make sure I am earning the most amount of interest possible. He has advised on how to manage stocks and shares ISAs. With his advice I am now confident that my money is working for me in the best possible way. He has also given life long financial projections in different scenarios which I have found very insightful and useful.

Have you seen the outcome you were hoping for?

Yes, will continue working with Ed over the year to look in more detail at my spending habits and what areas of spending could be better controlled.

What could they have done better?

Nothing, very happy so far.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for a financial coach?

Finances were getting out of control and needed advice to get back on track

How has Ed Fraser helped you?

Through care and consideration to my individual needs. Ed was able to propose excellent advice to help me see a way out and be proactive with my financial planning.

Have you seen the outcome you were hoping for?

Yes, financially I’m in more control and am able to see a path to achieve my goals

What could they have done better?

Pretty happy with the service so far so nothing to suggest.

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Northamptonshire

What were the circumstances that caused you to initially look for a financial coach?

I wanted to ensure that i was able to ensure my young daughter would be provided for when she reached 18; I also required advice on what level of investment i needed in order i can retire comfortably at a time of my choice.

How has Ed Fraser helped you?

Ed's understanding of my requirements was excellent; he provided coaching and support to enable me to gain a better understanding of my finances - both for today and the future

Have you seen the outcome you were hoping for?

Yes - A review and consolidation of my pensions in underway. I have a savings plan setup for my child which is affordable at present but will ensure she has the financial support in the future when she needs it.

What could they have done better?

Nothing. Excellent service and advice tailored to my needs

Review from verified client

October, 2023

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

Overall

Advice

Service

Value

Based in Cheshire

What were the circumstances that caused you to initially look for a financial coach?

Our company paid for and rolled out Financial Advice for a year. I was cautious at first, but other colleagues used the service and gave good feedback.

How has Ed Fraser helped you?

Professional, approachable and knowledgeable. Ed asks the questions to ascertain how he can help and during that conversation he makes you realise what you don't know, what you could do better and how he can help, offering advice and further info on how to help yourself. He helps give a focus to current situation and what you can do better to prepare the future.

Have you seen the outcome you were hoping for?

This is a work in progress on my part, as Ed has given me the information I need for next steps.

What could they have done better?

I can't think of anything. We didn't choose our advisers, these were allocated by what the company had paid for.

First impression from a user who is not yet a client

September, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was clear, friendly and answered all questions.

First impression from a user who is not yet a client

August, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was great and explained everything in simple terms. I have been hesitant to get financial advice before as most of my experiences have been people trying to bamboozle me with jargon. This could not have been further from that and I am excited to continue working with him to manage my finances better.

First impression from a user who is not yet a client

August, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was so helpful and friendly. I really enjoyed working with him

Review from verified client

August, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Living a busy lifestyle with many moving parts, we didn't have anything in place when my partner's health took a bad turn earlier this year. Now that he's recovered, we're hoping to learn from this with Ed's guidance!

How has Ed Fraser helped you?

First steps into crafting a plan that will hopefully put us in a better financial position. Left the initial call feeling optimistic. Didn't feel judged - which is so important as I know that talking about finances is generally quite difficult.

Have you seen the outcome you were hoping for?

We're hoping to work with Ed more regularly into order to get closer to achieving our financial goals.

What could they have done better?

Nothing!

First impression from a user who is not yet a client

August, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Really helpful and informative - explained finance and purpose of Octopus money in an accessible way and how I can apply it to myself and gave an overview of benefits such as LISA & practical knowledge pensions. Found it all less daunting after.

Review from verified client

August, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I wanted to get another person's view on the state of my finances and provide/advice input

How has Ed Fraser helped you?

He helped me become more aware of what areas of my spending were causing me to fall behind with my monetary goals.

Have you seen the outcome you were hoping for?

yes, most definitely.

What could they have done better?

Ed was very thorough and considered with all his advice which was excellent; there was nothing he could have done better.

Review from verified client

August, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

Service was offered by my employer

How has Ed Fraser helped you?

Only just begun the coaching but very pleased with Ed's advice from 1st call and look forward to further financial mentoring to help achieve my financial goals.

Have you seen the outcome you were hoping for?

Just started, so too early to say but would imagine based on advice given it will be a positive outcome.

What could they have done better?

Nothing!

First impression from a user who is not yet a client

August, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Really friendly, knowledgeable and looking forward to gaining some peace of mind from him

Review from verified client

August, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Initially, I could not put my finances together and plan well.

How has Ed Fraser helped you?

Ed Fraser helped me to set financial planning.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I have nothing to say they can do better, as they were already doing well.

First impression from a user who is not yet a client

August, 2023

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

Overall

Please provide a brief comment about your experience with Ed

I wasn't sure what to expect going into my first financial coaching call, but Ed explained how everything works really well, and was able to quickly grasp what I needed the service. Most importantly, he created a really safe space to discuss my finances freely and without judgement.

Review from verified client

August, 2023

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

Overall

Advice

Service

Value

Based in Northamptonshire

What were the circumstances that caused you to initially look for a financial coach?

Looking for a more efficient way to handle/save my money. Felt a little overwhelming trying to look into investments myself and wanted someone to guide me on how to stay on the right track to buy my first propertry.

How has Ed Fraser helped you?

Pointed me in the direction of investment and analysing my future savings/pension.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

First impression from a user who is not yet a client

August, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very articulate, listened to what I needed and gave a great overview of the Octopus services. I look forward to working with Ed in future

Review from verified client

July, 2023

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

Overall

Advice

Service

Value

Based in Merseyside

What were the circumstances that caused you to initially look for a financial coach?

Myself and husband were due to get married so it was an expensive time and we felt we needed some advice to manage our money both now and in the future

How has Ed Fraser helped you?

Ed has given us great, practical and realistic advice as to how to take control of our finances, I'm looking forward to making progress!

Have you seen the outcome you were hoping for?

It's early days and what we need to do is within our control, I'm feeling much calmer about our situation and look forward to feeling more in control in the future with Ed's help!

What could they have done better?

N/A

Repeat review from verified client

July, 2023

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

Overall

Advice

Service

Value

Based in Kent

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

How has Ed Fraser helped you since your last review?

He has helped me in planning my finances and also around buying a second hom

First impression from a user who is not yet a client

June, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very friendly, had some good advice for the first meeting, and was very clear about what can be offered and what he can help with. I'm looking forward to our next call.

First impression from a user who is not yet a client

June, 2023

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

Overall

Please provide a brief comment about your experience with Ed

I knew within the first 15 minutes that I was going to continue on with Ed's coaching. He's incredibly strong at active listening and summarised in perfect detail the big topics I discussed with him. He is approachable and asked all the right questions to get me to open up and think harder about my goals and perspectives. Within the time we had, Ed explained how he can help me and what services are available to me. In short, Ed came across as knowledgeable, friendly and supportive and I feel like he has my best interests in mind, so it's full steam ahead for me!

Review from verified client

June, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Benefit through my work - I am not informed about my finances and wanted to receive some advice

How has Ed Fraser helped you?

I have signed up with Ed to review the following: 1. Talking you through the different options for your next house move i.e. fees / mortgage rates etc. 2. Helping you to track, understand and validate your spending so that we can help create a workable budget (especially when planning ahead for family plans) 3. Build a financial plan and retirement forecast so you can make sense of what your pension contributions are building and what retiring at may look like financially. 4. Helping you find the best savings accounts that will make your money work harder for itself than it currently is. 5. Supporting you getting a Will created, so you know if the worst was to happen, all the financial and legal arrangements are already in place. 6. Guiding you towards stepping into the world of investing, by making sure you know how it works and what your options are.

Have you seen the outcome you were hoping for?

Ongoing.

What could they have done better?

N/A

Repeat review from verified client

June, 2023

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

Overall

Value

Service

Advice

Based in Manchester

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

How has Ed Fraser helped you since your last review?

Ed has provided me with more confidence in terms of talking about my finances by making it feel more real by speaking and writing it out. He's also taken on board my initial feelings towards finance and provided a level of understanding on how I've historically felt about finance and talking about finance.

First impression from a user who is not yet a client

June, 2023

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

Overall

Please provide a brief comment about your experience with Ed

It was my first session with Ed and an excellent experience. Ed helps me to understand finances and set goals.

First impression from a user who is not yet a client

June, 2023

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

Overall

Please provide a brief comment about your experience with Ed

That was informative and very helpful. Thank you so much for letting me know about LISA Ed!

First impression from a user who is not yet a client

May, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Helpful, knowledgeable and flexible. Explained everything clearly for me. Thanks very much!

Review from verified client

May, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Wanted to know what to do with my savings and how to look at moving homes by myself

How has Ed Fraser helped you?

Ed so far has provided a clear understanding of what my goals are and what I need to do in order to achieve those

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing he was amazing

First impression from a user who is not yet a client

May, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very comprehensive and thorough walk through what Ed was able to do for me with lots of information on each avenue that would be available.

First impression from a user who is not yet a client

May, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Great first initial chat with Ed! Looking forward to continue improving my financial plans to achieve my objectives!

Review from verified client

May, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I needed help to better manage my money and get advices for mortgage planning.

How has Ed Fraser helped you?

Ed was superb, he provided me loads of useful applications to better manage my money as well as adviced and encouraged to use saving accounts that I'm using to save substantial sums.

Have you seen the outcome you were hoping for?

Absolutely! After following Ed advices I've created better financial plan and I can analyse, hence control my budget in much more efficient way.

What could they have done better?

I wouldn't say there is anything bad with the experience of working with Ed. Maybe a small nitpick is that his schedule is very busy so book in advance.

First impression from a user who is not yet a client

May, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very clear, helpful and understanding. Strongly recommend.

First impression from a user who is not yet a client

April, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very easy to speak to and informative and set me in the right direction.

First impression from a user who is not yet a client

April, 2023

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

Overall

Please provide a brief comment about your experience with Ed

I had a really great intro call with Ed, he made me feel very comfortable in discussing my finances and my feelings towards my financial situation (which would usually be something I'm not super comfortable with). Ed was super personable and friendly, and he offered me some really useful advice and insights all just within a shorter intro session.

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed is a great listener and adviser; his financial coaching style is very person-centered and adaptive to your needs. I would highly recommend his wide range of expertise and skills set to anyone looking for a kind, super competent and knowledgeable coach!

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for a financial coach?

Rise of inflation and the need of creating short, medium and long term plans for my finances.

How has Ed Fraser helped you?

He listened to my story and my goals. We discussed the reason why I wuld like to reach these and so build a plan to achieve them.

Have you seen the outcome you were hoping for?

I can see the potential of being coached to make the most of my savings.

What could they have done better?

N/A

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed's been incredibly available, he listened to my financial history, and he promptly gave me a little bit of guidance and help on how to pursue my future goals. Great experience and already looking forward to going into more details and doing the next steps together!

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Professional, approachable, focused, knowledgeable. 10/10

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for a financial coach?

My organisation partnered with Octopus to enable financial wellbeing to all staff and I was curious as to what this would entail. Ed was really friendly and put me at ease talking about something we are always discouraged to discuss normally

How has Ed Fraser helped you?

Ed helped by making me think more about where I am spending my money.

Have you seen the outcome you were hoping for?

Its early days but I feel positive about it

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very good communication and personable

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very informative and helpful - reassured me about my finances for both the short and long term!

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Informative and relevant.

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very easy to talk to and provided good advice

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

This was offered by my employer

How has Ed Fraser helped you?

Ed has explained extremely clearly things I did not previously understand about mortgages and the best place to put my savings. He also has provided resources to do my own research to further my understanding

Have you seen the outcome you were hoping for?

Definitely, I can see the eve edits of working with Ed already

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for a financial coach?

I started a permanent position and felt it was the right time to start working toward purchasing a property

How has Ed Fraser helped you?

He has outlined useful tips for working towards my goals and has set up another meeting to help further.

Have you seen the outcome you were hoping for?

I have just started by financial caching journey - too early to tell.

Review from verified client

March, 2023

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

Overall

Value

Service

Advice

Based in Newport

What were the circumstances that caused you to initially look for a financial coach?

I wanted to understand the best approach and mindset to adopt when looking to save for a certain goal.

How has Ed Fraser helped you?

Ed has been fantastic, he has allowed me to really open up about my perception of certain saving methods and he has allowed me to re-think about how my money can work for me. Ed has been extremely communicative and always recapped at the end of the session which was also followed up by an email so that i can refer to everything that was discussed in the meeting alongside any action plans to consider taking forward.

Have you seen the outcome you were hoping for?

I will certainly within the next 2 months. YES.

What could they have done better?

Nothing, I have been thoroughly impressed.

First impression from a user who is not yet a client

March, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very personable, easy to talk to. His explanation were very clear.

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I had a few financial questions that I was looking for answers to. I was not satisfied with the quality of the answers I found online, so I decided to give it a chance to financial coaching.

How has Ed Fraser helped you?

Ed listened to all my questions and answered in detail demonstrating big knowledge in the financial domain.

Have you seen the outcome you were hoping for?

Yes, I got all the answers and felt well more secure after the session. We then started thinking and planning my financial goals, which also gave me great insight into my current and future situation.

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Derbyshire

What were the circumstances that caused you to initially look for a financial coach?

I've been through an expensive divorce and will be retiring soon.

How has Ed Fraser helped you?

He has made a very difficult subject very accessible.

Have you seen the outcome you were hoping for?

not yet, but its early days.

What could they have done better?

nothing that springs to mind.

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I was looking for someone that could help me understand the best savings options given my risk profile

How has Ed Fraser helped you?

Ed got where I was coming from straight away and gave me some really helpful tips to become more confident and knowledgeable about savings

Have you seen the outcome you were hoping for?

Too early to say

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Just feeling like money was tight and all over the shop

How has Ed Fraser helped you?

He’s helped myself and my partner align on goals, get saving, and put a comprehensive plan together.

Have you seen the outcome you were hoping for?

We feel much more realistic and in control of our finances

What could they have done better?

Honestly, nothing! Can’t recommend this guy highly enough.

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

My work provided me with octopus money coaching.

How has Ed Fraser helped you?

Ed has helped me and my partner structure our finances better to meet our short, medium and long term goals.

Have you seen the outcome you were hoping for?

Yes Ed’s advice was very helpful. Our money is now held in higher interest accounts and we have a clear view of our financial goals.

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Hertfordshire

What were the circumstances that caused you to initially look for a financial coach?

I was tired of not having control of my finances.

How has Ed Fraser helped you?

Ed has helped me, by coaching me and helping me think of goals I would like to work towards. He has been honest about what is achievable and sent me lots of great information

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for a financial coach?

Offered by work, recent addition to the family

How has Ed Fraser helped you?

Encouraged my partner and I to look in to our income and outgoings and establish a plan moving forwards to achieve our saving goals

Have you seen the outcome you were hoping for?

Sometimes

What could they have done better?

Nothing

Review from verified client

March, 2023

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

Overall

Advice

Service

Value

Based in Nottinghamshire

What were the circumstances that caused you to initially look for a financial coach?

Planning for my long term future

How has Ed Fraser helped you?

Ed has been incredible in providing me sound advice and support. Nothing is ever too much and Ed is always prompt to deliver. I love his proactiveness that is combined with his wealth of expertise and experience. He's helped me to understand what my retirement looks like, what kind of trajectory I'm on better & more efficient ways to utilise my income for investments, savings and pensions. It's so good to have someone like Ed in your corner and I feel very confident Ed will help me achieve my goals.

Have you seen the outcome you were hoping for?

Yes so far all expectations have been met or exceeded!

What could they have done better?

Nothing, superb so far couldn't ask for any more

First impression from a user who is not yet a client

February, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very useful session

First impression from a user who is not yet a client

February, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very helpful in response to my questions.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Tyne and Wear

What were the circumstances that caused you to initially look for a financial coach?

I was looking for a financial coach to help me better manage month to month finances as well as long term planning

How has Ed Fraser helped you?

I have had a productive meetings to discuss ways to balance monthly spending and Ed has provided me with valuable information and strategies for long term planning

Have you seen the outcome you were hoping for?

Yes I have seen improvements in finances and less stress in managing these. I also have a better understanding of long term financial goals.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for a financial coach?

Provided by my firm.

How has Ed Fraser helped you?

Taking the time to get to understand me. Very friendly and approachable. Non judgemental at all.

Have you seen the outcome you were hoping for?

Yes with help and guidance.

What could they have done better?

Not much as only had 2 sessions which were very helpful.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for a financial coach?

.

How has Ed Fraser helped you?

.

Have you seen the outcome you were hoping for?

.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

Currently living with in-laws and trying to save as much money as possible for a new property aswell has building a rainy day fund.

How has Ed Fraser helped you?

Ed has been very helpful in all of this, he’s sent me templates to help money tracking and also helps us know what we have spent PM and what we can save.

Have you seen the outcome you were hoping for?

It’s still early days with Ed but things are going in the right direction

What could they have done better?

Nothing at all Ed is very professional in his field and very flexible with regards to meeting times and dates

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for a financial coach?

I was looking for support, advice and guidance on managing my financial situation better - savings, planning and coaching.

How has Ed Fraser helped you?

We've looked at where I can improve, reduce spending and start saving again.

Have you seen the outcome you were hoping for?

Yes, I've been able to start saving, a small amount per month again.

What could they have done better?

N/A

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for a financial coach?

I am within 10 years of retirement and had children about to start university so I wanted to coaching to help me think about my own financial planning

How has Ed Fraser helped you?

Ed has been helpful to give me the space to think about my finances, how I feel about them and importantly, start to plan for the future more proactively. As a coach, he doesn’t give me advice but helps me think about my finances and longer term plans through good questioning and checking in on actions I have committed to.

Have you seen the outcome you were hoping for?

Starting to yes. I have taken some specific actions to help me reduce day to day costs, have a better understanding of my spending habits and importantly, linked me with a financial planner to support me with more advice for my retirement.

What could they have done better?

Nothing I can think of.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Manchester

What were the circumstances that caused you to initially look for a financial coach?

Financial coaching was offered as a benefit from my previous employer. I decided I wanted to take hold of our position and seek sounds advice on how we would achieve this.

How has Ed Fraser helped you?

Ed has been an amazing mentor, he explains options clearly and takes a realistic approach on what you can achieve. I find Ed extremely supportive and offers great solutions and does not judge your past frivolity!

Have you seen the outcome you were hoping for?

We are making positive steps in the right direction. We now have some savings which Ed helped us identify and achieve through simple spending changes.

What could they have done better?

Nothin, I rate and respect Ed highly, I’m very happy I engaged with him.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Financial coaching was offered to me as a benefit from my employer, I opted to take advantage of this so I could have a clear plan for my financial future along with accountability in terms of saving and making my money work better for me.

How has Ed Fraser helped you?

Ed has helped me to visualise where I want to be with regards to my future plans, and then working backwards to see how what I am doing now will impact those plans. Our regular catch-ups provide me with accountability and they are really helpful for me to assess where I have come and motivates me to take actions ahead of our next meeting. So far, I have a clear savings plan for the future, have moved my money into a higher interest savings account, and have set myself a budget to ensure I can meet my savings goals.

Have you seen the outcome you were hoping for?

Yes, I feel at ease with my financial future.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I never intended to look for a financial coach but decided to see experiment what difference it makes by having one. This was an item on my "do something new" list of 2022 and it has allowed me to understand and appreciate their role a lot more.

How has Ed Fraser helped you?

Ed is very professional but is also friendly at the same time meaning that I am comfortable sharing what are quite personal matters. He really took the time to understand my situation and set goals and deadlines for actions towards these. He either has an incredible memory or incredible note-taking skills as he always remembers our conversation from the previous quarter as if it was last week. This has allowed me to clean up my financial position, have a clearer idea of my current and future expected positions and better plan for the future.

Have you seen the outcome you were hoping for?

So far, yes. There were longer term outcomes which I cannot confirm yet, but the short term outcomes I was looking for have all happened: - More organised financial position that makes it easier to budget, forecast and review day to day spending - Advice on products and services out there including which are best and why - this covers both the simpler banking needs and the more difficult and competitive products on investment and how to get the best return (statistically). - Looking at pensions and how that looks in the longer term.

What could they have done better?

The modelling tool takes some time to get used to and if the goals were more easily accessible that would help although in fairness, I should also have made notes on my goals.

Review from verified client

February, 2023

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

Overall

Value

Service

Advice

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Buying a home

How has Ed Fraser helped you?

Helped with savings plan

Have you seen the outcome you were hoping for?

Ongoing, but progress is being made.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Buckinghamshire

What were the circumstances that caused you to initially look for a financial coach?

I needed an advice on how to manage my finances and how to distribute my savings

How has Ed Fraser helped you?

Ed helped me understands how to create emergency funds, how to possibly reduce expenses and how to look at the future in a financial way

Have you seen the outcome you were hoping for?

Definitely my financial mindset has change and it is more instructed.

What could they have done better?

It would have been useful if the service helped also with understanding where to invest savings, other than ISAs ans savings accounts.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for a financial coach?

I realised that I needed to give my finances some attention so that I can start properly planning to see if I can pay off my mortgage and retire a few years earlier than state pension age

How has Ed Fraser helped you?

Ed helped me to review all our income and outgoings and to utilise our money in a better way. We now have clearer short, mid and long term goals and have started making our money work more effectively for us. We've already made some changes but by having the quarterly meetings is helping us to keep focused.

Have you seen the outcome you were hoping for?

The main benefit thus far is that I no longer have my head in the sand and am taking positive steps to being able to retire sooner and pay off my mortgage earlier.

What could they have done better?

I am happy with everything so far

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for a financial coach?

Offered by my company as a benefit

How has Ed Fraser helped you?

Understand how to plan for retirement/future housing plans

Have you seen the outcome you were hoping for?

It need further understanding as I dont see how I can save as much as he is suggesting.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I was made redundant and also found out I was pregnant, so I thought it was time to get a handle on my finances as my incomings and outgoings were about to change significantly.

How has Ed Fraser helped you?

Ed is friendly, approachable and knowledgeable, and it feels more like you're talking to a trusted friend. I feel much more confident in my understanding of my own finances, the options available to me, and my next steps.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

The services were provided free of charge from my employer.

How has Ed Fraser helped you?

Ed has helped me plan my finances effectively for the future. He has improved my understanding on what I need to do to achieve my financial goals.

Have you seen the outcome you were hoping for?

My goals are long term. Therefore I haven't.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for a financial coach?

I wanted to ensure that I was maximising my earning potential through investments and to understand exactly how I could best set myself up for next life stages e.g. pension.

How has Ed Fraser helped you?

Ed highlighted the best savings rates, a great comparison site for investments and outlined what I should be looking for in investment accounts. This has led to me earning much more interest each month. In addition, Ed has raised my awareness on pensions and rough costs for next life stages, which is helping me to plan ahead.

Have you seen the outcome you were hoping for?

Yes - Ed was really clear and focused on the important outcomes for me, rather than general advice.

What could they have done better?

N/A

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Manchester

What were the circumstances that caused you to initially look for a financial coach?

Service was offered via the company I work for.

How has Ed Fraser helped you?

Motivated me to take positive financial steps now which helped to reduce stress and worry.

Have you seen the outcome you were hoping for?

Yes, although I continue to work with Ed so expect more to come...

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

My finances were a mess, I was in debt and needed advice on how to save money for future plans.

How has Ed Fraser helped you?

Ed helped me see and understand my financial situation better, he helped me to make a plan to keep track of my income and outgoings.

Have you seen the outcome you were hoping for?

I’m feeling much more organised as I have a plan.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

He was recommended by the company I work for

How has Ed Fraser helped you?

Sort our my finances savings. Gave me food for thought about my financial future

Have you seen the outcome you were hoping for?

Too early to say yet.

What could they have done better?

Nothing that I can see yet.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

Due to the current cost of living sitution my company provided the service of financial coaching. I thought this was a prime oppotunity to get my financial affairs in order.

How has Ed Fraser helped you?

Ed has been a great help in estabilshing how my money can work harder for me and highlighted things i wasn't aware of with my pension situation, Ed has been thorough, informative and professional throughout our sessions. He's down to earth and very easy to talk to.

Have you seen the outcome you were hoping for?

Very much so, i'm now applying what Ed has highlighted to me in my everyday life, and am seeing the benefits already. I never knew how helpful sitting down with someone, going through my financial situation could be.

What could they have done better?

Nothing i can think of.

Review from verified client

February, 2023

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

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for a financial coach?

Reducing credit card debt advice and remortgaging within 2023

How has Ed Fraser helped you?

Provided a kind ear to listen to my thoughts and feelings around money in addition to showing the potential financial progression if savings accumulate after debt is paid off

Have you seen the outcome you were hoping for?

So far, it is promising.

What could they have done better?

Nothing at the moment

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I wanted to find out more about getting my finances in order and organising, advice on how i can save for a mortgage and long term financial goals.

How has Ed Fraser helped you?

I have accumulated a lot of debt over the years, and I have found it very helpful to speak to someone about it without feeling ashamed/ embarrassed . He has talked me through my current scenarios and advised me on apps, practically behaviours to reduce immediate and monthly expenditures.

Have you seen the outcome you were hoping for?

The coaching has led me to cut and monitor my spending a lot more. It allows me to question what i am spending on, and if i really need to spend. The meeting has also encouraged me to ask family members for support to make it easier for me to build a better financial future.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for a financial coach?

Concerns about retirement

How has Ed Fraser helped you?

Consider what I need to set aside to fund retirement

Have you seen the outcome you were hoping for?

Not yet but putting plans in place

Review from verified client

January, 2023

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

Overall

Value

Service

Advice

Based in Merseyside

What were the circumstances that caused you to initially look for a financial coach?

I was overspending and not savings and wasn’t sure what to invest in.

How has Ed Fraser helped you?

Ed has helped me have a clear approach to my finances.

Have you seen the outcome you were hoping for?

Yes, I’m managing my money a lot better and I’m happy for it.

First impression from a user who is not yet a client

January, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Didn't know what to expect coming into this meeting, left with some good knowledge and tips. Would recommend.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Just to check and push me in the right direction to take more action and ownership over finances

How has Ed Fraser helped you?

check in has helped allow me identify what to do next and encourage me to invest and proactively look on better future returns, where i previously would have left in a regular savings account

Have you seen the outcome you were hoping for?

returns will always take a little while and have been doing this less than a year but has pushed me in the right direction

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Firm-wide initiative by my employer.

How has Ed Fraser helped you?

He's helped me model my financial needs, and in particular provided numerical validation that I can take a 'pivot' in my career in my 40s (which will result in a significant drop in my income levels) and still meet my financial goals. He has also helped me take action on certain matters that I know needed to be addressed (like income protection).

Have you seen the outcome you were hoping for?

It's still early in our relationship, but there have been some good early wins that's for sure.

What could they have done better?

.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for a financial coach?

This was kindly provided by my employer to assist in harder economic times.

How has Ed Fraser helped you?

He has helped me re-structure my savings, consider investments and consider planning for my future goals. He has provided simple guidance which has gone along way.

Have you seen the outcome you were hoping for?

Yes, I changed my savings account around and instantly was better off.

What could they have done better?

NA

First impression from a user who is not yet a client

January, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Very patient, listened well and responded with great advice

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Hertfordshire

What were the circumstances that caused you to initially look for a financial coach?

To help feel in control ahead of moving to our family home

How has Ed Fraser helped you?

He has shown me ways to manage my monthly (unnecessary!) spending. He also has shown me how I can actually get returns on savings I already have. I'm sure I'll be at least £2,000 better off from this.

Have you seen the outcome you were hoping for?

Yes, already seem to be saving more each month and feel a lot more in control. I also know that I am prepared for my future life changes (marriage, children, retirement). I hadn't really thought about the finance side of the changes. This experiencing has already been life changing.

What could they have done better?

Nothing. He is so friendly, calm and understanding.

Ed's reply

Thank you for the great feedback Chloe. It's really interesting to see you can factor in the tangible benefits already. Looking forward to our continued work.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Berkshire

What were the circumstances that caused you to initially look for a financial coach?

Firstly, our finances are not particularly straightforward; and secondly, we want to understand how we are doing in terms of the medium- and long-term.

How has Ed Fraser helped you?

Ed has listened and understood our finances and aspirations well. He has offered relevant advice on the next steps to take and has provided a financial planning tool we can play with to better understand our options going forward.

Have you seen the outcome you were hoping for?

We are still meeting with Ed and are part way through the process, however we already have a clearer understanding of our finances in terms of the bigger picture, medium- and long-term, and the health of our pensions.

Ed's reply

Thank you too for being patient with me as I gathered a clearer view of your finances. Looking forward to hearing all your progress at our next catch up

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Manchester

What were the circumstances that caused you to initially look for a financial coach?

I was looking to get more in control of my financial management and grow my financial understanding about the long term, so that I could achieve my goals

How has Ed Fraser helped you?

Ed was a brilliant financial coach, thoughtful and supportive. He was very knowledgeable and helped me grow my confidence

Have you seen the outcome you were hoping for?

I have gotten a much better sense of my short term money management and am clear on what and how I need to do this.

What could they have done better?

The financial planner tool is a bit complicated and hard to engage with. More time on that would have been helpful

Ed's reply

So glad I have been able to help grow your confidence already. We can certainly spend some more time getting used to the planning tool in our next catch up.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Nottinghamshire

What were the circumstances that caused you to initially look for a financial coach?

Having reached a point in my career, now felt like a good time to look at my finances, start to think about retirement and understand if I was on track to live a comfortable life once my career ended.

How has Ed Fraser helped you?

Ed has been able to really simplify what I thought would be a really complicated thing to understand, and has helped me make some decision about my finances that will give me peace of mind for the future

Have you seen the outcome you were hoping for?

Yes, or at least starting to. I've been able to invest savings more effectively, adjust pension contributions, which will have a long term benefit but without compromising quality of life today

What could they have done better?

Nothing. Advice has been easy to understanding, and the changes I've made as a result have not been difficult

Ed's reply

"Peace of mind" - glad I am able to help to make progress towards this

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Lack of clarity around opportunities for savings for retirement.

How has Ed Fraser helped you?

Explained the options I have with pros and cons and helped me develop a basic plan with specific actions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am perfectly satisfied with the advice I have been receiving.

Ed's reply

Thank you Zvezda. Looking forward to our next catch up

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Hertfordshire

What were the circumstances that caused you to initially look for a financial coach?

I'm at the start of my career and wanted some advice for long-term financial planning and to feel like I'm on top of my finances. I'd like to buy a house and start a family in the future, so was looking for someone to help set me on the right savings path.

How has Ed Fraser helped you?

Ed has been amazing and continues to go above and beyond by offering advice, providing useful links and resources, and helping me challenge my current spending patterns! He is delightful to work with, friendly, supportive, and encouraging, and has really helped reassure me about my future!

Have you seen the outcome you were hoping for?

I'm halfway through my plan and am feeling in a much better position financially than when I first started. I'm excited to see further results in the next 6 months.

Ed's reply

Thank you for the amazing feedback. This is why I love helping people with their finances and make them feel reassured.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Curious

How has Ed Fraser helped you?

Great friendly advice

Have you seen the outcome you were hoping for?

Took some good actions

Ed's reply

Thank you Ayden. Looking forward to our next meeting

First impression from a user who is not yet a client

January, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Such a friendly and helpful bloke, and he has guided me through the minefield that is my pension with such calmness and authority.

Review from verified client

January, 2023

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

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for a financial coach?

Retirement planning

How has Ed Fraser helped you?

Set clear goals

Have you seen the outcome you were hoping for?

Yes

Ed's reply

Thank you Sinead. Looking forward to our next catch up

First impression from a user who is not yet a client

January, 2023

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

Overall

Please provide a brief comment about your experience with Ed

We had a great session. Ed explained everything thoroughly and answered all of my questions. I'm looking forward to working with Ed in the future.

First impression from a user who is not yet a client

January, 2023

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

Overall

Please provide a brief comment about your experience with Ed

Helpful reassuring steer with my various options discussed and explained the positives and negatives of saving into new saving account / paying off existing balance of 0% credit card

First impression from a user who is not yet a client

December, 2022

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

Overall

Please provide a brief comment about your experience with Ed

I went into the session with very little idea of what I wanted to gain from it and thinking I had my finances completely under control. I've already left the first session with lots to consider and knowing that I could be doing more. Ed was extremely knowledgeable and able to respond to a huge range of questions.

First impression from a user who is not yet a client

December, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Good overview of how Octopus will help with my financial objectives, easy to understand and good initial advice

First impression from a user who is not yet a client

December, 2022

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

Overall

Please provide a brief comment about your experience with Ed

very knowledgeable and helpful

First impression from a user who is not yet a client

December, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very helpful, friendly and informative, would recommend to anyone!

First impression from a user who is not yet a client

December, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Fantastic, very insightful

First impression from a user who is not yet a client

December, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was great! Really thorough and very helpful. Also really easy to talk to, he put me at ease right away.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very calm and helpful and has started to giv me some insight into areas to look at for my personal finances.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was helpful, organised and supportive of my financial journey

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very much enjoyed it and feeling more confident about my future from just one call.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed had prepared the session for me especially, and although it was an initial meeting, it was effective and I learned a few new things. Ed introduced me to some money saving methods, the session was well timed and did cover all important aspects of my current financial situation and nearest financial future plans.

Review from verified client

November, 2022

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

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for a financial coach?

Needing support to help direct my finances for future plans using specialist expertise.

How has Ed Fraser helped you?

Ed was great during our session, he was very attentive to my requirements and immediately got to work with some great suggestions and actions.

Have you seen the outcome you were hoping for?

It's too early to say.

What could they have done better?

Nothing.

Review from verified client

November, 2022

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

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for a financial coach?

Speaking to a friend who has also done this and that I am coming into a different financial situation next month

How has Ed Fraser helped you?

Massively, only one session in and he has got me thinking differently! Can't wait for the next session

Have you seen the outcome you were hoping for?

No outcome as yet but definitely looking at things differently and excited to see where it goes

What could they have done better?

Nothing

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very knowledgeable, engaging and very informative. I found the information he gave me very helpful.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Really helpful

Review from verified client

November, 2022

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

I needed help digging into my finances, budgeting and devising a long term strategy to help look at getting on the property ladder in 7/8 years time.

How has Ed Fraser helped you?

I felt as though I was on the right track in terms of saving and budgeting but wasn't able to model or project this or talk to anyone to see if I actually was. This was where Ed came in! He has been able to put my mind at ease and project my savings, investments and pension in to the future to help me see that actually if I keep working as I am then I will be able to achieve my financial goals. Ed has given me lots of handy tips that I wasn't aware of in regards to getting the most out of the money that I have. He has also helped me reassess goals by making me think about why I really had them in the first place. This empowered me to reflect and change based on my underlying motivations. For example I've decided to no longer look at buying property in London as inflation and my LISA cap would greatly restrict what I could buy.

Have you seen the outcome you were hoping for?

Yes, I feel much more assured in the financial decisions that I am making and will no longer lose sleep feeling that I need to be contributing much more to my savings/pension etc. I now feel empowered to adapt to any financial challenges or curve balls that life may throw at me!

What could they have done better?

Nothing I can think of!

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

very good and clear

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Talks in a very easy manner and listens well.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed gave me some great advice and set realistic expectations for me.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very informative and great at explaining in basic terms.

First impression from a user who is not yet a client

November, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very friendly, informative and knowledgeable. I felt comfortable and Ed summarised my position well before giving me some options and a defined plan with actions.

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

A promising start to my financial coaching experience.

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed gives the best advice. I have just kickstarted my career, and I have various goals which I found easy to share with him as he is very approachable.

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Excellent introduction to explain benefits of financial coaching and took time to understand my priorities

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very helpful advice from Ed, helped me to focus my thoughts on key financial priorities and how these interlink.

Review from verified client

October, 2022

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Needed help organising day-to-day finance and start longer term planning.

How has Ed Fraser helped you?

By drawing out all the facts enabling a big-picture view, helping me establish goals and detailing actions to achieve those goals.

Have you seen the outcome you were hoping for?

Yes, getting to grips with longer term planning now.

What could they have done better?

N/A

Review from verified client

October, 2022

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

Overall

Advice

Service

Value

Based in Nottinghamshire

What were the circumstances that caused you to initially look for a financial coach?

Service advised through work to support cost of living.

How has Ed Fraser helped you?

Provided structure and direction to help us plan more effectively.

Have you seen the outcome you were hoping for?

Yes - kickstarted our planning with direction and goals considered.

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was amazing - super personable, made me feel extremely comfortable and had a genuine interest in my life, goals and personal finances. Even within a single session he helped me to completely rethink how attainable I considered my goals to be and reframed exactly what I needed to be doing in a way that was so simple but that I hadn't really considered before.

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very friendly and helpful

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Really helpful and insightful coaching. Felt confident he could help me even after the first call.

First impression from a user who is not yet a client

October, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very helpful, in just one meeting I felt I had learnt a lot of how to approach my finances going forward.

First impression from a user who is not yet a client

September, 2022

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

Overall

Please provide a brief comment about your experience with Ed

The hour spent with Ed was very useful and I feel a lot more positive about tackling my financial planning with his support

Review from verified client

August, 2022

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

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for a financial coach?

Rising cost of living, recently moving to the UK

How has Ed Fraser helped you?

Given me the right direction and confidence to achieve my money goals

Have you seen the outcome you were hoping for?

So far, yes, looking forward to more in future.

Review from verified client

August, 2022

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Wanted to get my finances in order

How has Ed Fraser helped you?

I have been able to look at my pensions and investements and have an idea what the future holds for me in terms on what i can expect from my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

better advice about investement opportunites

Review from verified client

August, 2022

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

It was offered by my employer.

How has Ed Fraser helped you?

He has made me think much more carefully about mid and long term financial planning.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

Nothing.

Review from verified client

August, 2022

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

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for a financial coach?

Years of confusion and bad habits re finances, and feeling stuck in a rut currently.

How has Ed Fraser helped you?

Particularly useful to me is Ed's style – he is very personable and recognises my need for some emotional (not just purely financial) support.

Have you seen the outcome you were hoping for?

So far, yes.

What could they have done better?

Nothing.

Review from verified client

August, 2022

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

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for a financial coach?

Saving to purchase a property.

How has Ed Fraser helped you?

Based on an investigation of my income/outcome and goal, he provided good suggestions.

Have you seen the outcome you were hoping for?

I was surprised how well it went despite only having one session

What could they have done better?

nothing comes to my mind.

Review from verified client

July, 2022

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

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for a financial coach?

Just to see how am doing financially

How has Ed Fraser helped you?

helped to advice on. what to do and how to achieve my goal.

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

We did cover most of investment.

First impression from a user who is not yet a client

July, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was great. Very personable and able to put me at ease when discussing finance which is, of course, a very personal topic.

First impression from a user who is not yet a client

June, 2022

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

Overall

Please provide a brief comment about your experience with Ed

My meeting with Ed went really well, very friendly and easy to talk to. Food for thought

First impression from a user who is not yet a client

June, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very friendly and welcoming. He listened and summarised well everything I told him. He was able to answer all questions I had and advised on the fundamentals.

Review from verified client

June, 2022

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

Overall

Advice

Service

Value

Based in Buckinghamshire

What were the circumstances that caused you to initially look for a financial coach?

Recently had a child, and need to get finances and long term planning in order

How has Ed Fraser helped you?

Many immediate tips on increasing savings, optimising tax vs pension and long term considerations for a healthy family ahead

Have you seen the outcome you were hoping for?

Too early to say

First impression from a user who is not yet a client

June, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Friendly and good, clear advice.

First impression from a user who is not yet a client

June, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very personable, friendly, and explained everything really clearly for me - really appreciate his help!

Review from verified client

June, 2022

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

Overall

Value

Advice

Service

Based in Manchester

What were the circumstances that caused you to initially look for a financial coach?

This service was offered from my workplace for a free introductory session but, finances is something I've never really taken much thought on.

How has Ed Fraser helped you?

He was able to help me visualize the plan that I didn't know I had for myself in a range of time ranges and also come up with a list of things that I need to do as next steps.

Have you seen the outcome you were hoping for?

The initial outcome was good following the summary that came together. The actual coaching sessions is something I'd be interested in going for.

What could they have done better?

Nothing.

First impression from a user who is not yet a client

May, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Provided solid & easy to access financial recommendations - very personable as well.

First impression from a user who is not yet a client

May, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Professional & Friendly offering great advice!

First impression from a user who is not yet a client

May, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Ed was very good, really helpful. Knew what he was talking about and he was thorough in how he explained everything.

First impression from a user who is not yet a client

May, 2022

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

Overall

Please provide a brief comment about your experience with Ed

I'm very satisfied with my initial consultation with Ed. He skilfully guided the conversation to prioritise and discuss the most important areas for me. The information Ed provided was helpful and my experience was overall excellent.

First impression from a user who is not yet a client

May, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Great to chat with Ed. Informative, straightforward and clear advice

First impression from a user who is not yet a client

May, 2022

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

Overall

Please provide a brief comment about your experience with Ed

I had a really helpful initial conversation with Ed - he took time to understand my situation and areas of interest and talked me through various next steps and options.

First impression from a user who is not yet a client

April, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Friendly and informative initial chat. He answered all my questions and I felt he understood my concerns.

First impression from a user who is not yet a client

April, 2022

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

Overall

Please provide a brief comment about your experience with Ed

I had a great experience with Ed who provided me with a useful insight into the services that he and the company can provide. He explained things very clearly and helped me broaden my thinking of my personal finances in such a short space of time.

First impression from a user who is not yet a client

March, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Very knowledgeable about process, benefits and prices.

First impression from a user who is not yet a client

January, 2022

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

Overall

Please provide a brief comment about your experience with Ed

Came off the call thinking, why did I not do this sooner? Really informative and covered a lot in call. Has got me thinking about my future.

First impression from a user who is not yet a client

December, 2021

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

Overall

Please provide a brief comment about your experience with Ed

Nice and easy conversation. He had a good grasp of my circumstances/situation

Review from verified client

November, 2021

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

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for a financial coach?

spending to much money

How has Ed Fraser helped you?

Ed has helped me not only work out what my spending looks like, but has helped me start to address the amount i am spending. He has also helped me start planning my next steps in life. He has become a great asset.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2021

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

Overall

Advice

Service

Value

Based in Gwynedd

What were the circumstances that caused you to initially look for a financial coach?

It was the right time for us

How has Ed Fraser helped you?

He has helped us plan ahead

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2021

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

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for a financial coach?

I had been thinking for while that I needed some help in planning my financial future over the next five years and a friend recommended Ed.

How has Ed Fraser helped you?

First and foremost, applying a high level of skill as a coach - asking the right questions to unlock my aspirations and also giving me a sense that what I aspired to was attainable. He also offered some resources for me to follow up for mortgages and writing a Will.

Have you seen the outcome you were hoping for?

It is still early days, as I have only had two sessions so far, but I am in the process of applying next steps towards my goals and will be meeting with Ed in the new year, so this is a focus for me to have taken the necessary steps.

What could they have done better?

Ed has a great style, unassuming and encouraging. I am sure that as he acquires more experience an even wider range of suggestions will be offered.