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Client Testimonials

Val - October 2022

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

Investment advice and pension planning


Have you seen the outcome you were hoping for?

Yes I am happy with the investments


How has Gem Durham helped you?

After the initial advice re iro investments, Gem has visited on an annual basis to check my circumstances, and to discuss any further requirements I may have. Gem is always happy for me to contact her should I need clarification or assistance with financial matters, and I have done so on a few occasions. Gem is always very approachable, knowledgeable and friendly.


What could they have done better?

Nothing

Dave - August 2022

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

I had a pension from previous employment that was sitting making no gains as the employer was no longer in business and there was nobody actively managing the pension. I was looking to transfer it to see if we could improve on this.


How has Gem Durham helped you?

Gem comprehensively discussed my requirements and aims and she transferred the non performing pension into funds that we felt would give gains. Since then Gem has helped with further pension advice and arrangements.


Have you seen the outcome you were hoping for?

Yes, the previous pension has so far doubled in value.


What could they have done better?

In my opinion, nothing. Gem really gets to understand your aims and attitude to risk and gives very good guidance based on this. She is always happy to answer questions and responds quickly to any enquiries that I may have.

Vicky - October 2021

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

Life insurance and sickness protection


How has Gem Durham helped you?

Gem was fantastic - she really took the time to understand what we were looking for and shared her advice and expertise on suitable products. She advised on the pros and cons and made a complicated area easier to understand and was on hands to answer questions and advise us. She has an open and honest, no nonsense approach and challenged some of what we thought we wanted with her experience - resulting in a much better outcome for us.


Have you seen the outcome you were hoping for?

Yes - we found a life assurance and sickness policy that absolutely meets our needs.


What could they have done better?

Honestly, I can’t think of anything - Gem was patient, we made contact during the pandemic and being so busy at work meant we often were not as responsive as we could have been. Gem didn’t hassle us but kept in touch and was on hand via text and email to enable us to get the policies sorted.

Ben - April 2021

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

I needed advice on my pension investments, and with investments and savings more generally due to a growing family.


How did Gem Durham help you?

She advised over the telephone and in person, and during Covid via Zoom.


Have you seen the outcome you were hoping for?

Yes, Gem has always done as promised.


What could they have done better?

I do not think the service Gem offers could be improved.

Becky - April 2021

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

House sale meant I had cash that I wanted to invest. I also had pre-existing investments that I did not feel were doing as well as I had hoped for.


How did Gem Durham help you?

Gem advised on the most tax efficient ways to invest my capital with both long and medium term views.


Have you seen the outcome you were hoping for?

Even though I have had the investments a very short time, they have already done better than some of my pre-exisiting investments.

Denise - December 2020

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

Planning ahead for retirement.


How did Gem Durham help you?

Advised about investment decisions to help achieve financial security in retirement.


Have you seen the outcome you were hoping for?

I felt reassured and more confident. It is too early to judge the financial outcome.


What could they have done better?

I can't think of anything. Gem listened carefully to understand my situation and future needs. She explained complex matters clearly and patiently. She is very accessible and responsive and is proactive in maintaining communication. Most importantly, I feel I can trust her.

Amarjot - April 2020

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

Compulsory redundancy and unplanned early retirement.


How did Gem Durham help you?

Gem helped to give me a comprehensive understanding of the options I had for my private pension. Also by producing a review of the best way forward for consolidating my individual investments.


Have you seen the outcome you were hoping for?

Yes. The outcome of the pension transfer met my personal ethos and has been favourable compared to others during this current challenging economic climate.


What could they have done better?

At the moment I can offer no suggestions as I have found Gem’s service professional and perfectly in tune with my needs. Her updates are timely and informative with sound advice given in a warm, caring and friendly manner.


Thank you so much for your patience and support throughout a difficult time for me. I really appreciate your kind approach in dealing with my financial situation effectively and without any pressure. You are a star!

Donna - September 2019

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

We needed pension advice. My husband was self employed and had no pension provision. Gem looked at the financial implications of this for our future.

How did Gem Durham help you?

She helped us through the pension minefield.

Have you seen the outcome you were hoping for?

Yes. I can now look forward to a more financially secure future


What could they have done better?

Gem has always acted impeccably.

Martin - January 2019

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

Nearing retirement I wanted to understand how I could retire early and get the best income on my savings. Being a very cautious person and having many years ago had my "fingers burnt" I have been reluctant to seek advice. Gem has been very helpful in assisting to invest my savings to secure my future.


How did Gem Durham help you?

She prepared a fully comprehensive package and explained all the issues in great detail, putting me at ease.


Have you seen the outcome you were hoping for?

Yes


What could they have done better?

I've been very happy with the service and recommendations made.

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