Annette & Jim

Annette

Hi, my name is Annette, and this is my husband, Jim. We’ve been clients of Tudor Franklin for about five years, but we’ve been with our financial adviser, Bharat, for about seven years.

Annette

We first spoke to Bharat about the lump sums I had from retiring and taking redundancy. In addition to that, Jim had a number of small pension pots, and we didn’t know if they were performing well or if it’d be better to amalgamate them, so we wanted him to look at that for us.

Jim

What we really wanted from Bharat was his knowledge of what to do with the various pensions that we had, and with our input to look at long-term future investments, for some financial stability later in life.

Annette

Bharat moved from The Building Society to Tudor Franklin, and in all honesty, it was a bit of a no-brainer for us to stay with him. We’d liked him from the day we met him; we felt we could trust him; he was very thorough with all the information he gave us; and we just felt that we were in safe hands.

Jim

Over the years, Bharat has helped us with investments and pensions. He has also given us good advice about our inheritance. We’ve got so much confidence in him that it felt comfortable to listen to his advice and make our minds up on what direction to go with our monies.

Annette

I feel very confident that we’re getting the right advice for our future and that we can plan appropriately. He always recommends that we have a bit of a buffer, and I think that’s a really good idea because it just lets us know that we’ve got some other monies set aside that we can use should the markets get into any turmoil.

Jim

I feel really lucky to have Bharat as our financial adviser. Over the years, we’ve looked at putting more money into investments, and Bharat has clearly said to us, don’t over-invest; think about other things, such as spending your money. So, I think that’s been really good advice from him, which you expect from a financial adviser.

Annette

I just feel very secure, and I know that we can call him anytime we want to if anything is happening in the market that makes us a bit twitchy; he’s always there on the end of the phone, and he takes time; he never rushes us anytime we see him; he’s always got as much time as we need, so I feel very happy and secure.

Jim

The three words I would use to describe Bharat are professional, thorough, and a person of integrity.

Jim

The best thing about working with Bharat is that he instils confidence in you when you’re dealing with him. I completely trust him; I’ve known him for a long time, and the advice he gives us is good, but obviously, the three of us make the final decision.

Annette

I think the best piece of advice that Bharat has been able to give us has been about not overcommitting. It’s always a concern with some financial advisers that they’ll get you to invest as much money as you can because they make some money from that. But Bharat has always encouraged us to hold some money back so that we’ve got it there should we need it, should markets be in turmoil and it’s not an appropriate time to draw down any investments, etc.

Jim

I would certainly recommend Bharat and Tudor Franklin. The first day we met Bharat, he made us feel relaxed; he’s so professional, and he’s got a manner about him that just makes you understand that he will do his utmost for you to keep your investments safe.

Annette

I think we’d both say that Bharat is the perfect financial adviser, other than the fact that he’s a Liverpool fan!