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

to minimise inheritance tax.

How did Kevin Fletcher help you?

Kevin helped focus my ideas into actions.

What is your current situation? Have you seen the outcome you were hoping for?

Yes thanks.

What could they have done better?

Maybe a little more legal understanding of inheritance tax,that you would normally get from a solicitor.

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

Did not know wher to start for pension.

How did Kevin Fletcher help you?

Advised me and helped me choose the best pension.

What is your current situation? Have you seen the outcome you were hoping for?

Defo.

What could they have done better?

Nothing was very professional

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

pensions advice on retirement.

How did Kevin Fletcher help you?

He advised and set up a financial scheme for my retirement.

What is your current situation? Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am satisfied with what Kevin Fletcher did for me.

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

We experienced problems with a previous adviser and were looking for another local adviser.

How did Kevin Fletcher help you?

In 2014 we met Kevin and he gave us advise on our re mortgage, family protection and retirement planning, at
this time he also gave us some valuable start up business advise for our taxi company and recommended an
Accountant. In 2016 we needed Kevin’s services again, this time he helped us with a further re mortgage, further
retirement planning and lump sum investment planning for growth. We have always found Kevin to be very
approachable, always happy to talk over any queries or concerns and we would highly recommend him.

What is your current situation? Have you seen the outcome you were hoping for?

Yes very happy with the outcome.

What could they have done better?

We do not think Kevin could have done anything any better, we are very satisfied with his service.

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

Future planning.

How did Kevin Fletcher help you?

Throughout the time we have known Kevin he has always provided good advice and has always sort competative deals
which fulfil our requirements. He has remained forward thinking, approachable and is willing to listen to the
needs of his clients. He has remained responsive to clients needs and is usually avavilable either on the phone
or by email should advice be required.

What is your current situation? Have you seen the outcome you were hoping for?

Ask us when we retire, sooner rather than later. As to date things are moving in the right direction and we have
no complaints. Kevin remains reactive to the needs of his clients.

What could they have done better?

Actually really happy with the service we have received but may be he could type faster or companies could
reduce the amount of questions on there forms.

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

i wads looking for unbiased help with financial affairs particularly around “best mortgage” deals.

How did Kevin Fletcher help you?

Kevin was exceptional. He understood exactly what I wanted and needed and explained everything step by step. he
really “held my hand” through all the different steps of the process. He was always professional and supportive.

What is your current situation? Have you seen the outcome you were hoping for?

yesI have been a repeat client of Kevin’s and have always felt that the best for me was at the heart of
everything he did,.

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

I have used Kevin’s services for a long time. Initially to ensure that I’m dealing with my finances in some way
was bringing up a young family and planning for security, the future, and particularly retirement years.No one
event caused me to seek out his services rather is just in need to plan well.

How did Kevin Fletcher help you?

Kevin has always sought to thoroughly discuss my needs and circumstances at any given time. He is always advised
on a range of products and my wife to make the final choice of actions to be taken whilst pointing out the pros
and cons each avenue approach. He is always kept in touch and never sought to ‘push’ Financial products at
inappropriate times.

What is your current situation? Have you seen the outcome you were hoping for?

Yes. Throughout difficult financial times for the country I feel my limited funds have fed much better having
sought Kevins advice. As a result my finances are in a much better and stable position and It would have been
otherwise. The products always seemed to suit my needs at any given time and give me good return on my
funds.

What could they have done better?

Not really. It is hard to be critical just the sake of it but i’m quite happy that Kevin has always try to give
me advice that specify circumstances but has never trying to override any my own feelings or reservations. He’s
always listen carefully too what my wife and I have had to say and address any issues we may have had before
taking any giving course of action

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

Initially to set up my first mortgage and related insurance policies.

How did Kevin Fletcher help you?

Kevin Fletcher had already been advising my parents for a number of years. He met with myself and my fiance and
explained all our options. He took the time to find out what our attitudes to risk were, what our long term
goals were and at every point gave us sound , clear, financial advice. He had access to a range of companies and
products and was able to secure the best value for us.Kevin has advised us through the joys of buying our first
home and planning for our children, but also through the more difficult times of bereavement. Throughout these
times, he always maintained a knowledgeable, professional, yet caring and personal touch.

What is your current situation? Have you seen the outcome you were hoping for?

Kevin has been supporting us with sound financial advice for more than 25 years now and advised my parents
previous to that. All the policies that we have taken out with Kevin have been far better value than we could
have found ourselves. In our experience, there has only been one occasion where staying with our existing
mortgage company was better value and Kevin was honest and alerted us to that.My parents were able to pass on
the majority of their estate to me as a result of Kevin’s advice and financial planning and my husband and i
hope to do the same for our children.

What could they have done better?

Kevin Fletcher is now supporting the third generation of our family with financial planning. I don’t think a
recommendation can come more strongly than that!

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

We were needing help with a mortgage.

How did Kevin Fletcher help you?

He reviewed the markets to find the best financial product(s) for our needs.

What is your current situation? Have you seen the outcome you were hoping for?

Yes, with regular reviews to help react to personal circumstances as required.

What could they have done better?

A great service so unable to offer any suggestion for improvement.

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

Looking for advice as regards redundancy and the best way to invest.

How did Kevin Fletcher help you?

Kevin fully explained the different options available clearly developing a clear understanding of our needs and
situation.One important piece of advice he gave us was about pension transfer.

What is your current situation? Have you seen the outcome you were hoping for?

Advice from Kevin has always been positive with pleasing outcomes. He has a clear understanding about what types
of advice we need as regards investments and risk.We are very happy with our pension arrangement as a result of
his advice.

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

Needed to release some capital from our house through remortgaging. Also we needed to make provision for our
children.

How did Kevin Fletcher help you?

Conducted a risk assessment so knew exactly how to advise us. Has helped us on several occasions and we are very
financially secure because of his advice.

What is your current situation? Have you seen the outcome you were hoping for?

Certainly.

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

Reached an age where retirement was a real prospect within the next 10 years. The pension minefield was beyond
my understanding and I had several pots all performing poorly and needed some help.

How did Kevin Fletcher help you?

Kevin explained in layman terms my options and guided me through the process. His communication style is open
and honest and he soon put me at ease. Together we explored the options, he explained each pots performance and
recommended a new company for all my pots giving me easy to understand projections. He also released some tax
free sums enabling me to pay off a couple of loans and saving the interest on them.

What is your current situation? Have you seen the outcome you were hoping for?

Early days but I am comfortable with the decisions made and look forward to reviewing the performance after 12
months and beyond.

What could they have done better?

Can’t really think of anything to be perfectly honest.

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

we needed advice about how and where to invest our savings initially and later an inheritance which we were left
when a parent died.

How did Kevin Fletcher help you?

Kevin helped us to find the investments which would yield the best interest.

What is your current situation? Have you seen the outcome you were hoping for?

Mostly we have seen substantial increases in our investments.

What could they have done better?

we have been satisfied that Kevin has always helped us to the best of his ability.

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

I first met Kevin Fletcher through a pensions seminar presented at my place of work prior to retirement.

How did Kevin Fletcher help you?

Kevin offered independent advice to all the staff. I arranged a private appointment and he advised me about
financial planning for the future.

What is your current situation? Have you seen the outcome you were hoping for?

Kevin has made several investments for us all of which have been successful.

What could they have done better?

Kevin has continually monitored our investments and made excellent recommendations when other investment
opportunities have arisen.

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

Kevin had a long look at my current penion planning. After spending several days doing a full review Kevins
advice was not to change anything. The advice that I had been given in the past was sound.

How did Kevin Fletcher help you?

Kevin could see that the pensions that I already had were good and did not try to sell me an alternative.

What is your current situation? Have you seen the outcome you were hoping for?

Yes, it was good to know that I am on track for retirement with the plans that I already have in place.

What could they have done better?

Kevin could not do any better than he did. He gave me excellent service and advice.

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

Having a young son we wanted life insurance and job protection insurance. We also needed help to save for our
son’s future education. That was over 25 years ago.

How did Kevin Fletcher help you?

Kevin helped us to put things in order of priority by explaining our needs and how the policies work. At all
times he gave us information on what we were paying out and what we would get back making sure we were in a
financial position to take the policies out. Over the years he has continued to periodically review our
investment policies and we have continued to prosper.

What is your current situation? Have you seen the outcome you were hoping for?

Yes and he has continued to give advise, changing policies according to our changing needs. We would definitely
not have been able to do the research Kevin does before taking out an investment ourselves.