Just Financial Group Logo

Glasgow:  0141 465 9999

Edinburgh:  0131 322 3999

London:  0203 319 9319


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Q1. Please rate the thoroughness with which your Adviser went about the process of obtaining sufficient information regarding your personal and financial circumstances prior to making a recommendation regarding this transaction?
Rated: Much better than expected

Q2. Do you feel that you and your Adviser fully discussed your understanding of Investment Risk and that your recorded attitude to risk matches the product you have chosen?
Answer: Yes

Q3. Do you feel that your Adviser explained the product recommended clearly and in terms which you could understand?
Answer: Yes

Q4. Do you feel that the Key Facts Illustration provided, detailed accurately the terms of the product recommended?
Answer: Yes

Q5. Do you feel that the Suitability Report provided a clear explanation of why the product was chosen and accurately detailed the terms of the product recommended?
Answer: Yes

Q6. Please rate the clarity with which your Adviser made his/her explanations and their ability to handle your questions during the process?
Rated: Much better than expected

Q7. Please detail any aspects of the service provided by your Adviser which might have been improved?
Response: Don't think there are any

Q8. Please rate how well you think your Adviser considered and prioritised your interests when making their recommendation?
Rated: Much better than expected

Q9. Would you use the services of your Adviser again?
Answer: Yes

Q10. Overall how would you rate our service?
Rated: Much better than expected

Mr & Mrs McLaverty reviewing Gary Watt

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What were the circumstances that caused you to look for a Financial adviser?
I wanted advise regarding investments, insurance and pension savings.
How did the adviser help you?
DC sorted it all out for me. My pension was invested into a fund which was hardly growing year by year. After I contacted him, we set up an appointment and he set up my pension investments by smartly splitting up investments into various different sectors which seems to be growing more than I had hoped for. DC also manages my insurance policies and regularly advises me on investment savings.
What is your current situation?
Have you seen the outcome you were hoping for?
Yes absolutely, couldn't be more pleased. I have recommended friends and colleagues to Dhawal and they have had a positive experience too.
What could they have done better?
I have had a few advisors in the past but never been fully satisfied with either until I spoke to Dhawal. There is always room to I prove but I feel the service he provides is excellent, he knows the market and I fully trust him.
Abhi (Leeds) 

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What were the circumstances that caused you to look for a Financial adviser?
I was made redundant about a year ago and received a big redundancy lump sum and was looking for advice on the funds along with my pension.
How did the adviser help you?
DC spent alomst 4 hours in the first meeting with me going through every detail of my financial and personal situation and got a clear understanding of what me and my family wanted and were aiming for in the long term. He then came back to me after doing thorough research with a formal recommendation and put it into simple words to explain how it met our objectives. There was a lot of different things that were done but it all seemed so seamless and easy. DC made a huge difference in my tax liability that would have been due on the redundancy lump sum. He also reviewed the pension and my Inheritance tax liability.
What is your current situation? Have you seen the outcome you were hoping for?
Definitely, it was quite evident from the word 'go' as the reduction in tax itself was a tangible result.
What could they have done better?
I cannot thing of a single thing DC could have done better. He was extremely professional and genuinely interested in me and my objectives rather than other advisors I have met in my past who were only interested in their fees in my humble opinion.
Martin (Glasgow)

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What were the circumstances that caused you to look for a Financial adviser?
I was looking for advice on my pension.
How did the adviser help you?
DC helped me in making the right decision with my pension fund choices. His advice is clear and he makes it sound all so simple avoiding the complex jargon and more importantly shows how it is relevant to me personally. I was very impressed with his financial knowledge and his sincerity and commitment in doing what is right for me. His advice was for me to contact my pensions department make a few alterations in the fund choices, gave me some pointers on my Will and gave me a overall financial health check. He did not charge me a single penny as he said that he or his admin team did not really have to do much and 'it was on the house'!!.
What is your current situation?
Have you seen the outcome you were hoping for?
Absolutely, it has been over a year since I made the changes he suggested and compared it to see what difference it has made as compared to the funds I was originally invested in and let's just say I am pleasantly surprised to say the least.
What could they have done better?
Nothing at all. It is rare to come across an advisor who actually provides unbiased and honest advice and doesn't try and sell you something just to make money. The industry can do with many more advisors like DC.
Pam (Glasgow)

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What were the circumstances that caused you to look for a Financial adviser?
I was looking for advice on my pension and the existing life insurance policies I had.
How did the adviser help you?
DC spent a lot of time initially understanding my circumstances and then studied my existing plans in great detail. He then came back to me with his findings and solutions, needless to say I went ahead with his advice and since then have had regular reviews as he had initially promised to do.
What is your current situation? Have you seen the outcome you were hoping for?
Absolutely, in fact I feel that I have had a much better outcome than I expected and I am very happy to have found a highly knowledgeable and ethical adviser like DC.
What could they have done better?
I do not believe there is anything that I can say DC hasn't already surpassed my expectations on.
George (Glasgow)

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What were the circumstances that caused you to look for a Financial adviser?
Redundancy for myself and husband retired and purchased annuity.
How did the adviser help you?
Got to know in full our current circumstances, changes and what plans and aspirations we had for the future.Dhawal checked the market, gave us time to consider and when the time was right for us helped my husband get an enhanced annuity and secure income.
What could they have done better?
Dhawal is a very caring individual who looks after you from the start and has regular contact with you so nothing better we are very happy.
Jane & Alistair (Newton Mearns)

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What were the circumstances that caused you to look for a Financial adviser?
Having various pension and investment plans that had never been looked at, I was looking for a Financial Adviser who could review my plans and provide me with independent advice on how best to manage them.
How did the adviser help you?
I found DC to be very professional and thorough in his work. He is friendly, approachable and extremely patient when explaining things to someone with no financial background! I find his advice invaluable and trust him implicity to guide me in my financial affairs.
Leanne (Glasgow)

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What were the circumstances that caused you to look for a Financial adviser?
Change of role and no longer had an occupational pension scheme. My money purchase schemes had never been reviewed.
How did the adviser help you?
Set up a pension plan in line with my needs, affordabilty and attitude to risk. Reveiwed on an ongong basis with a funs switch/rebalance carried out in light of changes to economic condidtions. Clear explanation of options, funds and charges.
What is your current situation?Have you seen the outcome you were hoping for?
Ongoing savings set up and growth evidenced in statements from provider.
Lyndsay (Glasgow)

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DC Is aware of my requirements and provides good advice.
George (Glasgow)

 

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I found my adviser extremely friendly, honest, and knowledgeable. He found the perfect products to suite our needs and saved us so much money compared to the lowest prices I had found through my own searches.
Richard (London)

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DC has a very nice friendly manner. He is very organised and detailed in his investigation. He is clear and precise in his explanation to allow me to make an informed decision
Sarah (Glasgow)

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DC regards me as a person rather than as a source of income.
Karl (Kirkintilloch)

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Clear and informative advice. Adviser is very knowledgable and understands the needs of his client and is able to balance his expertise with the wishes of the client and provide a person- centred approach.
What could they have done better?
I have been very satisfied with the progress of my financial affairs and I value the adviser's expertise. I am happy to be informed on a regular basis as required and consulted regarding any changes to investments.
Margaret (Bearsden)

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I outlined my situation to Dhawal and he went away, investigated all the options and came back and presented them to me in a clear and concise manner.Did not need any financial knowledge as Dhawal took the time out to explain everything and I was very clear with the pro's and con's to each option.I subsequently had a change of situation and Dhawal did not seem annoyed or make me feel like my issues were an insignificance.Came away from the experience very impressed with the knowledge he had and his professionalism and patience.Can't recommend him any further and have since put friends and family in touch with Dhawal.
What could they have done better?
Did not attempt to cross sell me anything. This might have been a pro and a con but I didn't feel like Dhawal tried to offer me more services and just stuck to what I had tasked him to do.
Wan Fui (Glasgow)

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Dhawal listens well which is more than half the battle. One would be surprised how few advisors really listen and respond with pre-concieved ideas.His proposals were sensible and tailored to our needs and age profile.
Ross (Gryffe valley, Renfrewshire)