Testimonials

Please take the time to read some comments left by our valued clients on their views of IQ Financial Advice.

 

What were the circumstances that caused you to look for a Financial adviser?
I had some choices about ongoing pension income and lump sum.
How did James Espin help you?
James assisted me through this process.
What is your current situation? Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I made a fairly straightforward request of James and he gave me a straightforward assessment

Bob, Lincoln

What were the circumstances that caused you to look for a Financial adviser?
I was approaching the time to take my work pensions and wanted advice on the best way to do that.
How did James Espin help you?
James advised me on the best way for me to structure taking my pensions and assisted in the completion of the paperwork. James was utterley professional, honest, reliable and always did excatly what he stated he would do.
What is your current situation?Have you seen the outcome you were hoping for?
Yes all agreed outcomes were completed.
What could they have done better?
There is nothing in addition that James could have done. I would recommend his services to anyone.

Chris Clarke, Skegness

What were the circumstances that caused you to look for a Financial adviser?
Cashing in a private pension.
How did James Espin help you?
He gave good and supportive advice that led to the outcome we required. His support was professional and accurate and he acted well throughout.
What is your current situation? Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
I can't fault James so nothing to add.

Kevin Manvell, Lincolnshire

What were the circumstances that caused you to look for a Financial adviser?
Not happy with existing financial adviser in terms of investment performance.
How did James Espin help you?
Arranged transfer of funds and placement of investments.
What is your current situation? Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing particularly. It was generally a slow process which was a bit frustrating but I have no reason to think there was much James could have done about it.

Michael Weatherhead, Lincolnshire

What were the circumstances that caused you to look for a Financial adviser?
Finished mortgage payment's lump sum to invest.
How did James Espin help you?
James is very courteous and explained my options in great detail.
What is your current situation? Have you seen the outcome you were hoping for?
I have invested for long term so not at the moment.
What could they have done better?
I believe James to be honest and trustworthy with the advice he gave me.

Paul Beaumont, Lincoln

What were the circumstances that caused you to look for a Financial adviser?
I decided to take advice as I neared 'decision points' which would hopefully allow me to identify an early retirement date. Decisions made in the years up to that date would be critical to my plans and their outcome. I needed a professional financial 'sounding board' who understood my goals and who could advise feasible ways to achieve them.
How did James Espin help you?
James has been very helpful. I had crunched my own numbers however, not being a financial professional myself, I needed the latest and most up to date guidance from someone like James. We meet once or twice a year in person to discuss our plans and he is always available via other means, as and when is necessary. Any specific requests from me are normally dealt with in a timely fashion.
What is your current situation? Have you seen the outcome you were hoping for?
As we get closer to the desired early retirement date; James and I have tweaked and rescheduled plans to meet my personal aspirations. I expect to continue with this arrangement as it comes to fruition and also beyond to ensure the plans stay on track.
What could they have done better?
As a customer I think we would all like our adviser to be more proactive on our behalf however, those levels of service are probably a lot more costly than we are willing to pay, and a sensible level of contact and advice must be acceptable to both parties.

Paul, near Lincoln

What were the circumstances that caused you to look for a Financial adviser?
The need to consolidate and organise investment of our pension funds.
How did James Espin help you?
In every way regarding organisation and getting the best from our investment of our funds.
What is your current situation?Have you seen the outcome you were hoping for?
Yes so far very good.
What could they have done better?
Nothing he hasn’t already done.

Michael Theobald, Grantham

What were the circumstances that caused you to look for a Financial adviser?
Approaching early retirement age for a professional pension scheme which I wanted to fold in to a SIPP to complete an establish invested fund on which I will eventually retire.
How did James Espin help you?
James assisted in reviewing my plans with a professional eye. He helped tweak the plans and then acted in his professional capacity to facilitate the requirements. Being a complicated arrangement there were some issues with timings with the other parties involved that he also worked to resolve and expedite.
What is your current situation?
Have you seen the outcome you were hoping for?All matters were concluded successfully and in reasonable time.
What could they have done better?
James was always courteous, professional and pleasant to talk with. He was always available to talk and returned all calls promptly. In the particular area in which I needed some more specialised information he quickly recognised the need and conducted the investigations required to be able to provide a timely response. I do not believe there was anything more he could have done to improve other than perhaps defer his reasonable fee!

Kevin Jarvis, Lincoln

What were the circumstances that caused you to look for a Financial adviser?
Wanted flexibility from my DB pension.
How did James Espin help you?
Explained the options and questioned what i was looking for from the future. Gave me clear guidance on structures of available investments to enable my circumstances and future needs to be accommodated.
What is your current situation? Have you seen the outcome you were hoping for?
Investments have been volatile over the past months so not in line with past performance but James has helped understand the reasons behind this short term movement.
What could they have done better?
We have been with James for only 7 months and in that short time he has been really helpful to both me and my wife who have separate pensions. We have not been with James for long enough to have had a yearly review but have had good interim contact.

Laurie, Lincoln

As a Director of a small family business we needed financial planning advice. James listens to the needs of the customer and gives clear and thorough advice.

Kate Urry, Lincs

James service was exemplary and for us he could not have improved.

Allan, Lincoln

After going through my finances, James gave me the confidence to retire and looked after the management of my pension pots. I felt that he understood my needs and provided me with a clear breakdown of what he proposed, bot written and orally.

Graham Collins, Lincoln

My wife and I were rather unhappy about some old long standing investments and I was also approaching my pension and unsure of a lot of financial points. We found James through Vouched for, and have been very happy with his service. He is a very personable young man with an excellent way of explaining a lot of the details that we did not ourselves realize. We would both recommend him absolutely. Malc & Mabel

Malcolm Peadon, Lincolnshire

James understood our requirements well, and presented a professional recommendation. He then spent time discussing this with us and answering our many questions.

Ian Elliott, Lincolnshire

James is extremely professional, honest, reliable and friendly. I wouldn't hesitate in recommending him to all my friends and family alike. I have never received such clear and comprehensive advice.

Amanda Roberts, Lincoln

Gave good advice that I acted upon. Explanations where clear and understandable.

John Maddison, Louth

James made everything very simple to understand and I felt very reassured by his advice. He even offered me advice on longer-term pension planning, which was extremely useful but I am sure I will be consulting him again in the future. James did not encourage me to spend additional money on services I did not require and I was grateful for this. I would have no hesitation in recommending James to anyone else who is unsure as to what they are doing and do not fully understand all the jargon.

Caroline Horry, Sleaford

I was wanting a flexible drawdown pension set up and had a particular view of what I wanted. What James did well was to listen and confirm what I wanted to know, but also interpret and suggest other alternatives that I had not thought of.

Michael Dorsett, Lincoln

I was introduced to James Espin by my accountant when I enquired with them about how to deal with my pension savings. At that time I thought my only option was to convert my pension savings into a pension plan. I made an initial appointment with James, who came to my home to talk to me, and that started a very productive relationship. James, started by answering my initial question, discussing with me the possibilities of moving my pension savings to another provider who could provide a better pension return. He then opened my eyes to many other options that exist when considering what to do with pension savings. I had no idea before this of the alternatives for investing or recovering pension funds. In the middle of this the budget changed the possibilities for extracting pension savings. I am currently half way through a plan of changing how I handle my pension savings. James has taken all the hassle for me of dealing with the pension companies and, other than agreeing the course of action, I have had very little to do. James has handled everything. In my opinion the work James has undertaken for me has put me into a much more advantageous position with my new pension plan than I had expected. I have always felt he is a person with whom I can discuss my financial situation and receive unbiased, up to date and professional advice from which I can make a decision about the route forward. I would not hesitate to recommend people to contact James to discuss their financial affairs.

John Taylor, Bourne

I would like to express to you my thanks and satisfaction at the re-arranging you did for me with my investments, to make them more tax efficient and helping to mitigate the inheritance tax liability. The work was carried out in a very professional and thorough way, always willing to explain details not understood, in a friendly manner. I can thoroughly recommend your company.

Mary Peck, Sibsey

My wife and I have been more than happy with the clear, logical and helpful advice you have given us.

Richard & Maggie Burns, Metheringham

James quickly puts people at ease, and explains thoroughly the reasoning behind any advice he gives his clients. I am completely satisfied with the work he has done on my behalf, and hope that we can work together for many years to come.

Malcolm & Anita Spring, Heckington

I have worked with James on a number of occasions when he has assisted me with investments for clients. I have always found James to be extremely helpful, thorough, open and honest in his advice and he continues to impress me with his high levels of knowledge and expertise.

Claire Parker, Solicitor – Wilkin Chapman LLP

Dear James, Just sending thanks for all your hard work looking after my pension fund and finding the best annuity for the money available. I found you very professional, but very friendly and approachable. I appreciated being able to e-mail or phone you with any questions I had and your quick response in answering them. Once again Thank You.

Mick Thompson, Boston

James listens very carefully to what we need to understand regarding our finances and breaks down the information into easy to understand segments! James is very quick to respond to any other questions posed to him via emails and is very punctual with his appointment times. His general awareness of what is going on in the finance sector is also very good.

Keith Watts, Lincolnshire

I don't know or understand anything to do with financial planning and investments but James explained everything step by step and was very professional with the whole process.

Dave Mundin, Lincolnshire

We where very impressed with James's knowledge of the various pension schemes available which would suit our needs. James had endless patience, we asked him numerous questions and asked for recaps to help us make decision on the way forward to take a pension. James clearly explained every option open to us. We where left the information and clearly told by James, if we needed any further information or anything clarifying to telephone or email. James arranged a further meeting and would have happily come again if we still had needed more time. He also put up with the crackers dog.

Sue Mitchell, Lincolnshire

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