“James has been the best Financial advisor I ever had. He is very honest, patient, always ready to go the extra mile to make things happen for my best interest. He also has vision, knowledge and thinks out of the box. I look forward to seeing great results from the financial strategy we have put in place together! March 22, 2011 „

“I am writing to express my extreme satisfaction with the service I have received from James Storey of Pennymatters Ltd.

I asked James to help me with a mortgage as I wanted to buy my new home without selling my existing property. As if this wasn't complicated enough, I was made redundant before we had submitted the mortgage application. James carried out research on my behalf and reassured me that we could still proceed as he had found suitable lenders who would take on my case.

James was very positive and was always available to help with any queries that I may have had. As I started a new job I was away from home on training courses and consequently I was only able to speak to James in the evenings, James was always happy to take the time to speak to me and if I left him a message, he returned my calls promptly.

James was able to help me with everything from dealing with my estate agents, my solicitor, my buildings and contents insurance, life cover as well as being available to reassure my wife who was expecting our second child and was, at times, a little emotional. My wife and I felt that we had someone in our corner helping us through a tough time with both empathy and professionalism. Without his help we wouldn't have had the confidence to have bought our new home, and we're extremely glad that we did.

I am not in the habit of lavishing praise on people, however I feel that James has exceeded my expectations and has changed my view of financial advisers. I will certainly use James again and I have recommended him to friends and family „

“More than taking the pain out of searching for mortgage products you have provided clear and honest guidance to me over several years. When a task has needed chasing or clarifying I have relied upon your ability to know who and where contact should be made and always you have ensured all went smoothly. I have always felt confident you understand the mortgage market thoroughly as well as the aspects of client finance that go with obtaining and sustaining a mortgage (or two).
I would always recommend your services Matthew and should I need another mortgage product I shall be picking up the phone to you once more.
Very best wishes „

“We contacted Matthew Rickett of Pennymatters to help us find a mortgage in early 2011. We had a challenging brief for him due to our personal circumstances and we were delighted when, through his hard work, endless patience and excellent negotiation skills, we were offered a mortgage which met our original brief.
We would not hesitate to recommend Matthew who will provide a professional, competent and friendly service „

“I just wanted to say a huge thank you for all your help in arranging our mortgage. We were very impressed with the service you provided as it was so professional and informed at all times. We were advised on the best possible mortgage for us and the process was incredibly thorough. We found that we did not have to worry about anything as pennymatters took care of everything including all the paperwork! Moving house can be stressful but by choosing penny matters we felt very comfortable and clear on everything at all times.
Thanks again for providing an excellent service. We will be recommending you to our friends and family. „

“Buying our first home was very stressful but with the help from Pennymatters and Matthew Rickett it was so much easier and understandable they took the pressure of us and gave us really good support & advice.„

“Wrong financial advice can be very costly. Go to any high street Bank and listen to their in-house advisors and you’ll feel their advice, or products, suit the Bank only, never you and the flexibility of such products are in fact not at all flexible. So getting good financial advice where the deal suits you as opposed to the Bank is really hard to find these days.
So it is a relief that Matthew Rickett exists in my contacts list on my mobile phone. Matthew acts a conduit towards the complex financial markets – he simply plugs you in and detangles anything remotely financial-technical and assists in a way that does not patronise, and at the same time, ensures that you do not go above your station when considering risk assessments associated with financial decision making.
Our objectives were to move upwards in bedroom quantity from one to three without suffering the consequences of even heavier outgoings. Sounds impossible but Matthew helped us achieve just that. We gave him our desired destination, in return Matthew offered the vehicle, and inside the glove compartment, is the customised road map.
I have no hesitation in recommending Matthew, or Pennymatters for that matter.„

“Andrew has been our independent financial advisor for some three years. During that time we have found him to be most professional and friendly in his dealings with us. He listens carefully to the concerns and needs that we have at the time, and makes very well thought out suggestions to address them. His investment advice has proved to be good, and has given us overall positive returns even in the recent times of economic downturn. It is very reassuring to have an advisor who one can trust, who is able to respond to one’s needs with confidence and who brings financial understanding down to lay-man's terms. Andrew always backs up his visits with written detail of new suggestions and has always been available on the telephone to deal with our queries. We would recommend Andrew unreservedly to anyone needing a dependable IFA.„

“Andrew Gane has been providing sound financial advice to us for the past 8 years. His professional, yet friendly and open manner inspires trust and confidence; essential ingredients when you're looking for the best mortgage deals! We are more than satisfied with the service we receive and will continue to seek financial advice from Andrew for many years to come.„

“Since Gainsborough Financial Planning took over our account, the Financial Consultant with whom we deal (Andrew Gane) has been very professional in all aspects of our financial requirements. In all our transactions over the past 5+ years, we have been given very sound advice and guidance and, for a high percentage of the financial investments we have made, they have been very successful. We are continuing to get a very high standard of service up to the present time with further financial transactions about to be taken shortly. We are confident that we will continue to get the high level of financial information on which to base our decisions as we normally do. It is, not only in financial affairs from which Gainsborough Financial Planning gain an income that we get advice, but also, we have received some separate information that we have requested from which there is no financial gain to Gainsborough Financial Planning. In terms of the handling of our Financial Portfolio, we were given some very sound information 2+ years ago to move our separate ISAs etc into a central holding Portfolio account with Fidelity. This has proved to be a very sound move from which we have gained positively recently when we wished to move some ISAs from one area to another. We would highly recommend anyone considering using a Financial Consultant to use Gainsborough Financial Planning.„

“We have had the pleasure of knowing Andrew Gane for over 5 years now. He has an intimate knowledge of investment portfolio management, is ever alert to fluctuations in the markets which he monitors diligently and is always ready to discuss and advise on any aspect of fiscal concern. Punctual to a fault, he also ensures that he maintains high professional standards by continual studies and preparations for relevant examinations. In addition we have found him to be a most affable individual who dispenses his advice with warmth, good humour and prudence and we would unhesitatingly recommend him as a most trustworthy, dependable financial adviser.„

“Hi Mike thankyou for all your help once again and making the remortgage and insurance change over plain sailing. Once again you have provided an outstanding service and would not hesitate to recommend and use you in the future.„

“To find an IFA. who is easy to understand, enthusiastic, professional, competent and keeps you up to date with proceedings, has follow up reviews and instant on line contact is impossible or so we thought ! Through recommendation we contacted Mr M.O'Brien of Pennymatters, who immediately got to terms with our requirements to arrange our finances - pension, insurance policies and investment plans. To date we have been very impressed with the handling of our finances and feel confident at last, that our finances are being "managed". We would have no hesitation in recommending the 'unique' services of this company to anybody. „

“For the past five years I have established an extremely good relationship with Keith Penny. This has been for both personal and business affairs. Using Keith as a single point of contact I have been able to funnel all my financial and business concerns into positive outcomes. Not only have I invested wisely in a property portfolio, but have been able to initiate a fast growing sports retail business. I would recommend Keith to anyone looking to get a first class services and the best financial advice on the market any day. „

“The importance of having sound and relevant advice is something I value very highly. The day I appointed Keith as my personal financial advisor was one of the best decisions I have made relating to my financial security and future wealth. Keith is a true professional in his field and I have, and will continue to recommend his services not only to my business contacts but also to my friends.„

“I have known Keith Penny and indeed utilised his services as an IFA for over 20 years. Throughout this time I have always found him very approachable, always available and most importantly he has the ability to speak in my language! I firstly used his services in a personal capacity but when I took over as the MD of Drive & Survive UK PLC I had no hesitation in placing all of the Company’s business with Keith. In short, Keith gives honest, practical advice in a simple manner that all can understand and he has never pressurised me in any way.„

“Keith is without doubt on-the-ball with regard to a wide range of investment products and wrappers but will also try new approaches where necessary. He never pushes the decision making process, listens to and takes into account my own ideas and always lays out openly and clearly what options are available and the respective pros cons and costs. He has always put the long term relationship first which is why he has been my IFA for many years past and will be for many years to come.„

“Andrew has proved to be a good and reliable financial advisor to me and my daughter and I would highly recommend him to anyone needing financial advice. „