Nick Winter

With retirement approaching, my wife and I decided that it would be a good time for a full review of our financial situation to help ensure an enjoyable and worry-free retirement.

Nick took the time to really get to know us, and made us think about what we actually wanted our money to do for us. He put together a detailed life plan, as he called it, which demonstrated how our income, savings, investments etc would meet the cost of our desired lifestyle in retirement.

Using a cash flow forecasting tool modelled on our income, savings, investments and expenditure he was able to demonstrate different 'what if' scenarios to see the effect these would have on our financial position. It transpired that Nick found that we had an inheritance tax liability and using the 'what if' was able to show that we could mitigate this without it impacting our retirement plans. He also noticed that our Wills were linked to some trusts that were set up in 2006 and had become outdated and no longer effective in achieving what they were originally designed for.

Thanks to Nick, all of this has now been resolved. Nick did a thorough job and it was clear from the outset that my wife and I were front and centre at all times and he wasn't just trying to sell us something. I am confident to recommend Nick for any financial advice and have indeed done so already to a close family member.

I needed advice on investments and retirement planning and have been greatly helped with this by Nick over the last five years. From the start, Nick impressed me with his knowledge of investments and pensions and the related legal and tax issues. He is always focused on my overall goals and offers advice that makes sense in that context. He prepares well for our meetings and follows up any required actions promptly.

I have to admit that sometimes I take a while to make decisions or take necessary actions myself, and here Nick helps by prompting me. I'm happy with how my investments have performed and that the long term plan we have agreed makes sense. I really can't find fault with the service Nick has provided.

Nick has been incredibly helpful, patient and professional throughout the entire process from initial contact through to transferring my pensions. He is knowledgeable and approachable and a pleasure to work with. Every interaction I have had with Nick has been positive and productive, at a time of great change and uncertainty in my life. Nick was not only able to recommend great investment solutions with regard to transferring and consolidating my pensions, he also spent a considerable amount of time listening to my needs.

Nick always addressed any concerns promptly, explaining financial terminology in a user friendly way. In addition to this, he also advised me on life insurance options and gave lots of general financial tips and tricks to help me streamline my administration, paperwork and my life in general!