I was considering what to do with my pension pot having left bank employment. I didn’t know what my options were. Jeremy explained the options I had. He explained the ins and outs and asked lots of questions to ascertain my future plans/needs, my circumstances and attitude to risk. He then explained clearly what he recommended and importantly why he was making that recommendation. I was very satisfied with the technical and product knowledge even though I have some knowledge due to my time in financial services.  Jeremy explained everything very clearly. I was given as long as I needed to make my decisions and Jeremy went through things as many times as I needed until I was sure I understood. He was brilliant.

Adviser:  Jeremy Bostock  Advice Received: Final Salary Pension Advice

The advice I received was to enable me to proceed with financial funds when reducing my working hours. I was very satisfied; I appreciated the way the information was explained to me.  I felt all through the meetings with Jeremy that he understood what I wanted to achieve and he explained things to me in a way that I understood. Jeremy was very helpful if I was unsure about anything and listened if I did ask for more detailed information. When dealing with Jeremy I did not at all feel under pressure and unaware of anything that could have gone better. I would defiantly recommend Jeremy to others and again appreciate all that he did.

Adviser:  Jeremy Bostock Advice Received: Retirement Planning

Before any of the meetings with Emma I didn’t have much knowledge of pensions. Emma went through everything very thoroughly explaining different products and which she thought would suit me. Every step was explained so I could understand. After a couple of meetings I had a lot more understanding of pensions and how they work. When I first met Emma I wanted to see if I could consolidate five pensions into one. This for me was the best way to get 25% of my tax free lump sum. I wanted to pay off some debt and be left with some money too. Emma took on the task of working out everything she could do for me and after months of her hard work she has achieved for me what I wanted. I have gone from a person stressing over money matters to a person who doesn’t need to stress. I have a decent understanding of pensions and all of that is down to Emma’s hard work. I was never under any pressure to make any decisions. Everything was explained clearly at meetings and paperwork was given to take home to read. I am looking forward to Emma looking after my pension in the coming years and working with her to achieve the best for me. If I ever know anybody that needs a good financial adviser I would certainly recommend Emma.

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Adviser: Emma Connaughton  Advice Received: Retirement Planning - Accessing Benefits 

Lisa was extremely professional, friendly and helpful. Any questions I had, Lisa dealt with them quickly. She kept me informed at all times. For example there was a slight hiccup with the Zurich policy not being set up so Lisa immediately got on to the phone to them and the situation was resolved within 30 minutes.  We were very happy with the service provided by Lisa. I felt under no pressure at all. I would have no hesitation in recommending Lisa to my family and friends if the situation arises. 

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Adviser:  Lisa Hartley / Jeremy Bostock   Advice received: Mortgage, Critical Illness and Income Protection cover

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With the help of Jeremy and his team, they set about getting me the best mortgage deal and always kept me up to date with everything. The advice and how I was dealt with was first class. All details were explained in detail and matched all my requirements. I was not under any pressure and I was made to feel welcome from the first contact that was made. The team were very friendly and have great knowledge. I wouldn’t hesitate to recommend them to anyone, never mind friends or family.

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Adviser:  Jeremy Bostock   Advice received: Mortgage and Protection Advice

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I received advice on drawing a pension. All options and alternative products were described in detail until we found one that fit my requirements. I didn’t feel under pressure. All options were explained and I had the usual period to cancel. I would recommend Jeremy's service to others as he got me the best deal from my pensions.

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Adviser:  Jeremy Bostock   Advice received: Retirement Planning 

The advice I received from Holcombe Financial Services was thorough, personal and very good. I was very satisfied with the technical and product knowledge during our meetings. I did not feel under pressure to make any decisions at any point during the process. I would recommend Emma as she offered very good advice and found us the best deal.

Adviser:  Emma Connaughton   Advice received:  Protection Advice

I wanted to change my Mortgage and look at mortgage protection. I also received advice on insurance and protection for my children in the event of my death or illness. Emma was very knowledgeable and easy to talk to. I would definitely recommend Emma! She was always there to talk to no matter how small the query and very efficient. Because of her help, I was able to reduce my mortgage and do home improvements while paying less for my mortgage than before.

Adviser:  Emma Connaughton   Advice received:  Mortgage and Protection Advice

I received pension advice for my retirement and investment of funds to give maximum benefits for me and my wife in the future.  Jeremy showed excellent knowledge of the product offered and the benefits for future growth. I did not feel under any pressure to take up the products offered. I made up my mind after studying information given by Jeremy. He was very helpful and I felt confident in the advice being given.

Adviser: Jeremy Bostock   Advice: Retirement Planning (Options at Retirement)

Investment advice for the long term. We had money from our retirement lump sums to re-invest that had been invested in several providers which we wanted to consolidate in one place. We were looking at low to medium risk and Emma suggested splitting our investments into two pots which we were quite happy to commit to. We have been able to monitor our investments online and we have been kept informed of any changes. Various options were discussed and queries and questions answered to our satisfaction. At no point did we feel under pressure to make hasty decisions or commitments during the whole process. We would be more than happy to recommend Emma to friends/family if they needed financial advice.

Adviser:  Emma Connaughton   Advice received:  Investment Advice

The service received from Emma and her colleagues has been of the highest quality. Every step of the retirement procedure was explained in simple terms that were easy to understand and from start to finish nothing was too much trouble for them. The product I finally chose was one of many put to me showing that all avenues were investigated  and so the final product I chose was virtually all I had asked for. At no point during our meetings did I feel under any pressure to go for any individual product that was put to me, the emphasis was put on going over all the finer details of each product description in great detail. Overall my needs were catered for with great professionalism and courtesy especially as I had a very unusual situation of having multiple pensions with very different pension providers and so requiring many conversations in accomplishing the excellent deal I received in the final outcome.

Adviser: Emma Connaughton  Advice Received: Retirement Planning - Accessing Benefits 

I was given advice about pensions and sorted out with a personal pension that will work for me.

Adviser: Jeremy Bostock   Advice: Retirement Planning

I had some money that came available from a 5 year bank account savings scheme and I was looking to find the best way of maximising my savings. Emma explained ways of investing my money to get the best possible outcome that suited me. Emma was very knowledgeable about the types of investments that would suit me. She understood my needs and my concerns completely and guided me towards the best option for me. I was completely happy with the way Emma handled our discussions and didn’t feel under pressure to sign for something I didn’t want. Emma explained to me all about the options and I can’t see that she could have done more than she did. I was very happy with the way Emma dealt with my enquiries when I first spoke to her. I had never had any dealings with investments and it took me some time to get my head round it. Emma was very patient with all my concerns and did her very best to explain to me the ins and outs of these investments and which one would suit me the best.

I would happily recommend Emma to other people.

Adviser: Emma Connaughton  Advice Received: Investment Advice

I was satisfied with the advice given by Jeremy and felt confident going forward but the future of my investment will have to decide if this confidence was correct. The products were explained very well and Jeremy showed very good product knowledge. At no time did we feel under pressure and found Jeremy very patient in going over issues (some several times). I don't think anything could have been done better. Dealing with Jeremy could not have been better. Very polite, knowledgeable, efficient and good attention to detail. My situation was that I was nearing retirement and needed advice on how to best move forward on 3 pensions. Jeremy gave confident advice on suggesting ways to proceed. Time will tell how good this advice will be but I am confident it will work out OK but let’s see. Yes I would certainly recommend Jeremy and HFS but with the caveat that I need to see the results of the investment for a full on recommendation. Kind regards and Happy and successful New Year to HFS.

Adviser:  Jeremy Bostock   Advice Received:  Accessing Pension Benefits & Investment 

After being unhappy with our previous financial advisor, I considered organising the remortgage without one. I had met Jeremy through the discussions about my company pension so I decided to give him a try. I am glad I did, as everything went very smoothly and I didn’t have to worry about making an expensive mistake. Jeremy (and Zak) was always happy to explain everything in as much detail as I required. I was very happy with the level of advice I received. Everything was explained very clearly and all my questions were answered in the meetings or later by phone or email. There was absolutely no pressure to commit to anything. I was able to go away and discuss the advice with my partner. Jeremy explained that there would be no fee until the mortgage had completed. 

Adviser:  Jeremy Bostock   Advice Received:  Mortgage           Adviser: Zak Slavinski   Advice Received: Protection

I have been asked to give you feedback regarding my experience with Jeremy. I can only say that dealing with Jeremy and Holcombe Financial Services has for me been a good experience. All staff have been wonderful especially Jeremy and Zak. Hope you all have a brilliant Christmas.

Adviser: Jeremy Bostock   Advice: Retirement Planning- Existing Pensions

Jeremy conducted a search of the market and recommended an appropriate product. He always provides a tailored personal service. I am happy to recommend his services to friends and family.

Adviser:  Jeremy Bostock   Advice received:  Mortgage, Protection & Retirement Planning 

I was conscious that if anything happened to me there was no financial assistance to my husband or children whatsoever. Furthermore speaking to Emma I realised that my husband simply couldn't afford the family home on his own and therefore my husband and children would have the added turmoil of having to be re-homed if, god forbid, anything happened.  Emma explained my options with Life and Critical Illness insurance. It was an area that I wasn't very knowledgeable in, but luckily Emma was. I now have a basic understanding of the types of policies that were available and more importantly I fully understand my own policy which I haven't really in the past. Emma also came within my budget which was great because our finances are restricted at the moment.

Emma also offered me pension advice, again an area where the policies have been set up by employers and I haven't understood them. I am more than happy for Emma to take hold of these policies and manage them for myself and my husband going forward. Emma was very friendly and approachable. I would absolutely recommend her services to family and friends.

Adviser:  Emma Connaughton   Advice received:  Protection

Everything was explained very clearly and in detail that I could understand!

Also really pleased with the mortgage offer he found for me.  I never felt under pressure at all and felt that Jeremy gave me time to mull things over and make decisions after thinking through rather than having to sign on the dotted line there and then!!

I needed slightly more mortgage than my current provider could offer and needed to find what was out in market. Jeremy worked hard to find me reputable building society. I also had a current unemployment protection policy which wasn’t suitable and again Jeremy found a more suitable policy for me. I felt confident that Jeremy had acted in my best interests and felt confident I had all the best products and services provided.

I would definitely recommend Jeremy to family, friends and colleagues.

Adviser:  Jeremy Bostock   Advice received:  Mortgage, Critical Illness Cover & Unemployment

Helpful knowledge of practical and tax issues as well as business protection requirements.  Information was delivered clearly and was left to make decisions in own time (with occasional non-pressurised follow up.)

Have recommended already and will continue do so as & when.

Adviser:  Emma Connaughton   Advice received:  Key Man Insurance 

Great Service!

Adviser:  Jeremy Bostock   Advice received:  Key Man Insurance & Shareholder Protection

A very big thank you for all your help with our house move. We were very impressed with the level of care you took in arranging the various aspects of the mortgage, and will definitely be recommending you to others. Excellent job!

Adviser:  Jeremy Bostock   Advice received:  Mortgage & Protection

I received back investment advice & pension advice for 3 members of my family and investments for my parents.

Jeremy was very helpful he explained things very well and dealt with my parents who are both in the 80’s with sensitivity. He dealt with all the excessive paperwork all of us had, and now we have investments and pensions information which is all together on our own accounts, and can be checked for progress at any time. I have found that if I have a query it is dealt with straight away and we feel comfortable with the team involved in asking questions.

There was no pressure at all.  Everything was done quickly (as requested) as we wanted to move from previous advisor ASAP.

Jeremy came across at initial meeting as a very likable person and by the end of the meeting I felt comfortable dealing with him.

We had lots of problems with previous advisor and needed to move our investments away from him.  Some of these investments and pensions are still ongoing as we have had to involve the ombudsman and Jeremy listened to the problems we had and advised the best way he could in this situation.

I asked him to also help with my parents investments as they had got to the stage where they did not know what they had invested and where with previous advisor.

The vast amount of paperwork they gave him must have taken some time to sort out and when the investments had been moved and re-invested he took all the old paperwork away to shred for myself and my parents.

He is now looking at my sons pensions and hopefully will be able to do the same with my husbands if he gets anything back from complaint to ombudsman.  Now most of this sorted it is a great weight of my mind.

I would recommend him to friends and family.

Adviser:  Jeremy Bostock   Advice received:  Investment Advice & Retirement Planning

We received advice and full details on all services you provide.

Jeremy told us of matters relating to our situation we did not know about.

If we find someone who needs advice, I will put them in touch with you.

Adviser:  Jeremy Bostock   Advice received:  Investment

We were thrilled with the service we received from Emma, it is what we expected and beyond, we are very satisfied customers.

Her knowledge and skills were extremely useful as Pensions & Protection are areas we know nothing about. We felt in safe hands with Emma as she really knew her stuff.  She got us the very best policies available in the market place.

Emma presented us with all the facts and took the time to explain in detail so that we fully understood everything; we were then left to decide whether or not to proceed, which of course we did as it was an excellent proposition.

We would highly recommend Emma to anybody, in fact we already have!!

She is knowledgeable, professional, friendly and efficient.

She kept us informed at every step in the process and made everything as easy as possible for us, which we really appreciated.

I cannot fault her one bit and will continue to use her services.  In fact we have asked her to look into other areas of our finances as we were so pleased with the service we received from her.

We feel our finances are in very capable and safe hands.

Adviser: Emma Connaughton   Advice received:  Retirement Planning, Protection & Mortgage Advice

Jeremy was extremely helpful and personable. He was happy to explain things until you were happy that you had understood. He was very easy to talk to which is always a bonus when you are discussing financial matters. I felt he had our best financial and investment interests at heart. He took the time to explain things in detail and sought clarity throughout.



Jeremy was happy to leave you with information and let you make decisions in your own time. He did not push us to make a decision at any point, in fact quite the opposite. I am more than happy with the service provided by Jeremy and Holcombe Financial Services. I like the way that at all times I will be able to have updates and access to investments to monitor how things are going. Any follow-up as always been in a timely manner.



Jeremy was recommended by my accountant and it helps to work with a financial adviser who is also in touch with an accountant, that way it feels like all your affairs are dealt with by people who are in touch.



I would be more than happy to recommend Holcombe Financial Services to friends or family.

Advisor:  Jeremy Bostock   Advice received:  Investment & Protection Advice

The service was excellent. Everything was explained well and clearly plus all my questions were answered. Everything was provided in layman's terms if required. At no point did I feel condescended - it was excellent! plus it was concise.

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I was advised at the beginning that no decisions had to made imminently. To be honest everything was explained so well I was happy to make decisions there and then.

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My dealings with Holcombe Financial Services were great! I will deal with them if required in the future. Yes, I will certainly recommend them to other people - in fact I have already done so.

Adviser: Jeremy Bostock   Advice received:  Retirement Planning

Previously, we had invested our money in a product that was not performing very well. Jeremy has provided an excellent service for us. He has been most thorough in finding out exactly what type of investment we wanted. He is knowledgeable in many fields of investment and explains everything, showing examples & statistics to  back up his statements. We would not hesitate in recommending him to friends & family - in fact we have already done so!

Adviser: Jeremy Bostock   Advice received:  Investment

Jeremy was very thorough, non intrusive and actually ‘listened’ to us and responded with what we wanted. We were very satisfied with his knowledge, also his understanding of our ‘need’ to plan for our future and what we wanted to achieve from our meetings. Jeremy was very keen to explain that it would be completely our decision and we weren’t to feel pressured into anything. 

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By taking that pressure off we were able to discuss openly where we were at, what we wanted to achieve and how to get there.  I am not sure if he realised that he was talking to closed ears at the time with my husband as he felt that Financial Advisors are only after your money!  I appreciate that you need to earn your crust, so to speak but felt that our needs were paramount.  By taking this stance you are more likely to get clients, like ourselves who will take out the correct policy and stick with it rather than move or cancel at an early date as they feel unhappy with the service.

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We would definitely recommend Jeremy to friends and family.  In fact our daughter recommended him to us as we are approaching retirement age and wanted advice.  There was no part of the service that could have been improved, any questions that have occurred since have been promptly responded to.  We feel confident that our retirement plans are on target now and that our pension prospects look good. One other thing that Jeremy was really good at was explaining and then realising when you had had information overload and then either going back over it or going away and coming back to explain it again.  We would recommend him highly.

Adviser:  Jeremy Bostock   Advice received:  Retirement Planning

It was better than expected, and he showed patience, with my lack of understanding details. No pressure, I was allowed to re-question anything I was not sure about and was given a few days to go through the information he was recommending. I was very happy with the dealings I had with Jeremy.  It made no difference that I had only a small amount of finance to deal with Jeremy spent as long as necessary, going through the basics and explaining which product would be beneficial, to my situation.  Can’t think of anything he could have done better.  I feel that my future financially is in the best place it can be at this present time. I would recommend Jeremy to anyone who might need an advisor.

Adviser:  Jeremy Bostock   Advice received:  Retirement Planning

Excellent in every way.  Jeremy has really impressed me with his professionalism, expertise and manner. Jeremy was presented as extremely knowledgeable and skilled in disseminating information in an understandable format. It was a pleasant and relaxed approach, with no obligation or hard sell. Jeremy assisted me with pension advice. I have also requested future assistance with mortgage advice. I have recommended Jeremy to my colleague, my sister and my mother – all of whom have either become clients or have arranged contact.   I am extremely happy with the service I received and don’t have suggestions for improvement.

Adviser: Jeremy Bostock   Advice received:  Retirement Planning and Protection Advice