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Philip Hanley

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19/03/2017
An Independent (financial adviser's) view

While I was away for my birthday long weekend, there was proof again that a week is a long time in politics…

“George Osborne to become editor of Standard”

‘Election-losing decision',  I wrote before I went. Changes to NI for the self-employed would have been fine for the top and bottom dogs in the entrepreneurial pack (Branson and Deliveroo bikers). Those of us in the squeezed middle would have been wondering whether to get a proper job and who the heck to vote for next.

Anyway, all change. I’d bet our current Chancellor will be looking for an editor’s job before the year’s out; maybe The Sun would give him a fresh start, assuming he can multi-task as well as his predecessor…

“Delight Van Man”

The other Phil H  announced his NI U-Turn to The Sun, so that he could speak directly to the self-employed white van men he'd offended; though assuming they all read The Sun could be an insult to injury scenario. Anyway, I thought I'd go straight to the horse's mouth and opened up The Sun's website. No sign of Phil, just Prince William 'slut dropping' with a model (I don't know either, maybe I should ask a white van man...)

 “Hammond is a joke of a chancellor – FT”

Although the White-Van-Man-Tax took the headlines, there were many other less-obvious-but-still-annoying things in the Budget:

  • The dividend tax allowance was reduced to £2,000,  to stop you being better off by running your white van via a limited company, but it will hit anyone with a share portfolio, too
  • If you’ve taken income from a drawdown pension, the most you can pay back in is now £4,000 a year. A sledgehammer to stop fiddlers, which will crack the nuts of over-55s in temporary financial dire straits
  • And no change to the Inheritance Tax Annual and Gift Allowances, the amounts you can give away each year, still £3,000 and £250. As they have been for 30 years, since Maggie was Queen and Rock Me Amadeus by Falco was number 1 (kids etc.)

“Billions of corrupt wealth ‘fuelling London housing crisis’”

There’s a scene in ‘Casablanca’ where dodgy policeman Claude Rains closes Rick’s Cafe, saying he’s ‘Shocked, yes, shocked to find there is gambling on these premises’, as he’s handed his winnings.

I think most Londoners could have written the report which confirm that the suspiciously large numbers of well-heeled Russians owning suspiciously large amounts of property in Mayfair didn’t necessarily come by their millions by legitimate means.

"Probate fee hike to go ahead despite opposition"

If you think the cost of living is high, try dying. It used to cost £215 to ‘prove’ a will and get the official rubber stamp; now there’ll be a sliding scale, which means, if you have a big house and a few bob, it could cost a whacking £20,000 to get your money paid out to your family. Not your problem, I guess, but still, they giveth with one hand...

Tinkety Tonk, and all that,

Phiiip

Read More and Comment

06/03/2017
An independent (financial adviser's) view

My PA, Donna, will be trekking over glaciers and volcanoes in Iceland to raise money for breast cancer research. Please click if you can spare a couple of bob (kids ask your parents) to sponsor her…

 Sympathy for the Bankers                

What a rollercoaster ride we were taken on by our great banking institutions and headline-writers last week. HSBC’s profits 'tumbled’ while Lloyds’ 'soared', Barclays' 'surged' and RBS ‘racked up 8 straight years of losses’ All of which shows, once again, that there's no such thing as a sure thing, that what goes up must come down, and vice verse. Although, as markets continue to 'head north', many will continue to conveniently forget that bit.

‘Regulator sets 2019 deadline for PPI claims’

Some of those banking losses were, of course, down  the £billions forked out in PPI misspelling compensation. Everyone (who hasn’t had a payout) is sick of those endless ‘phone calls and texts, so putting a deadline on claims might seem a good idea.

But here’s the thing: as IFAs, we have an open-ended liability for any advice we give. We’ve tried to get the regulator to cap it at 15 years (which, I’d say, is still a pretty long time), but no dice. From where I’m sitting, it’s another ‘one-rule for-them-because-they’re-too-big-to-fail’ scenario; but maybe I’m getting still more cynical as I plummet towards another birthday.

‘Warren Buffett is my hero’

Warren Buffet is to investors what Bob Dylan is to musicians and Tony Blackburn is to DJs: he sometimes gets it wrong, but he’s there through thick and thin. Warren’s made a fortune by sticking with Apple and Coca Cola, but got it very wrong with Tesco; his Apple shares, though, are now worth £18bn.

Although he’s made his billions by picking the right shares, he’s a big fan for us mortals of ‘passive’ funds which just track the stock market index, rather than being clever and trying to beat it. In fact, he thinks most fund managers are overpriced wastes-of-time. Maybe he’s right. Some of the time.

‘Greek debt disaster’

Remember the Icelandic Ash Cloud? It may have left you stranded in Marbs. Remember a Labour PM? The first Greek Bailout was in April 2010, too, and doesn’t it seem a long time ago. Both Austerity and Downton started that year, and only one of those is still running.

Funnily enough, the current Greek Crisis doesn’t feel like a crisis at all. I doubt it’s even hit your radar, just as breaking both legs would make you forget that nagging tickle in your throat. Sadly, those nagging tickles have finished many a promising career…

More memories

Remember Estate Duty? It was abolished in 1975 and replaced by Capital Transfer Tax. The Tories kept their election pledge and abolished Capital Transfer Tax. It was replaced in 1986 by Inheritance Tax.

Remember Purchase Tax? It was abolished in 1973, when we joined the Common Market (remember that?) and replaced by, that’s right, VAT. Now, of course, Brexit will give us the golden opportunity to abolish VAT. Will it go? Will it heck. Perhaps they should just run a competition to name its replacement. Taxi McTaxface?

Brexit: UK 'not obliged' to pay divorce bill say peers

Extending this to other types of divorce could be a real vote-winner...

More soon,

Philip

Read More and Comment

27/02/2017
An independent (financial adviser's) view

Had ice cream by the sea in Cornwall in Feb! Just goes to show we can do without those EU beaches…

The Co-op Bank puts itself up for sale

I’d say a majority of the Coop Bank’s still-loyal customers opened accounts because it was the only openly ‘ethical’ bank. If you delve a little below the surface, some not-so-ethical (depending on your definition) things may have gone on. It shows, however, that you don’t need in-branch yoghurt-weaving, sandals and beards to make your mark in the green sands of Stroud and other points on the ley lines. Just a commitment, however vague, not to invest in bad stuff.

HMRC criticised over tax avoidance probes

Back in the days when the City was run by gents whose word was their bond, the Inland Revenue (kids ask your parents) didn’t enforce tax laws retrospectively. If something they didn’t like was done in good faith and within the rules, that was fine; the rules would be changed and noone would be able to ‘get away with it’ in the future. Now, HMRC can issue ‘guilty until proven innocent’ Accelerated Payment Notices, which can bankrupt you before anything gets to court. Like ducking stools in days of yore: if she drowns, she was innocent; if she lives, she’s a witch for burning...

Hospital cuts planned in most of England

I often talk about ‘full circle syndrome’: if you hang around long-enough, you’ll have seen everything before. Many of my clients work in the NHS. If you mention ‘care in the community’ to anyone in mental health, they’ll tell you the tale of Maggie saving money by closing hospitals and conveniently forgetting about the ‘community care’ bit. And here we go again as ‘Ministers argue patients will receive better care in the community’

One of the rightest of right-wing Americans said that, ‘If you think health care is expensive now, wait until you see what it costs when it's free’. Trouble is, like Facebook and Twitter, once it is free, there ain’t no going back. I’d say.

NatWest to launch robo-advice service

Just read that in 10 years Ford and GM will be history as Google and Apple will be making all the (self-drive) cars. Most weeks our trade press tells us that ‘robo advice’ is the future and today's financial advisers will become tomorrow's old bangers.

Maybe. I remember, though, that when Neil Armstrong landed on the moon, we assumed that we’d all be going on package tours to Mars, having flown to New York in half an hour on Concorde’s grand-daughter after watching England win yet another major football trophy. We never foresaw fifty years of hurt, tellies that cost less than a tank of petrol or tiny ‘phones running our lives. Human nature, chance and money are truths stranger than science fiction.

Thousands feel trapped in investments

The FT's not usually one for this sort of headline. On reading, it seems that 10% of shareholders don’t have a clue about the shares they own. Which means that 90% do; so surely that's a good thing? Soon, when the markets finally descend, it’ll be 'billions wiped off the value of pensions'; with no mention of the billions added in the past year or so...

More soon,

Philip

Read More and Comment

12/02/2017
An Independent (financial adviser's) view

Off to where the sun always shines and the days are longer, for a few days in Cornwall. You’ll have to cope without me next Sunday...

More DB transfers could prevent care 'disaster'

One of my personal conspiracy theories has been sort-of confirmed by a former pensions minister: that 'pension freedoms' were a cunning way to solve the problem of paying care costs. 'So, you've run out of money? Before we take your house, any money in your pension funds? Jolly good...' And, of course, the more that's moved out of final salary schemes, the more cash is sloshing around the system.

Still can't prove, though, that Trump is Putin's father's love-child or that Elvis wrote Shakespeare's Complete Works...

Danegeld

I'm reading the brilliantly-titled ‘Year of Living Danishly’, which tries to fathom why the Danes, with the highest income tax, worst weather and most depressing police dramas are apparently the world’s happiest nation. Turns out they all think they get value for their tax krona with proper ‘cradle to grave’ state care. Some might say we'd have the same had the 1951 election gone another way (kids etc; or just read a book) But would we now trust any government to spend a big tax hike on the right things? Let’s just be thankful for ‘Midsomer Murders’.

Snapchat valued at up to $25bn

How do you become a multi-billionaire before the age of 30? You just become a multi-millionaire before the age of 30. But seriously, options are limited to marrying a Trump or developing an app. Neither of which are options for anyone over 30. The 26 year-old who set up Snapchat (parents, you’ll definitely have to ask your kids) will be able to afford to run for president when his company floats and becomes the next Facebook. And guess what? It made a loss of $515m last year. Nice work if you can get it.

“Twitter shares dive as losses widen”

And then there's Twitter, Snapchat's big sister (sic)? Imagine, in both cases, that you open a giant, very hip, free cafe. You'd have loads of customers but lots of overheads (premises, coffee and all those 'baristas'; there's a word none of us had heard 20 years ago!) You manage to flog your cafe. Result!

To get their money back, however, the buyers must either charge for coffee or flog something else to the punters. And then someone opens a new, free cafe down the road. Who's going to pay to go to yours? Especially when their parents and grandparents have moved from Waitrose to your previously very cool, young persons coffee destination...

Instant Karma

I watched ‘The Good Karma Hospital’ last night and decided I should retrain as at doctor. Not too late, surely? Then I looked at my inbox and found I’m actually in demand for plenty of other (non-life-threatening, first world, but still important-to-those-who-are-contacting me) sorts of problems. Banks, pensions and other stuff, specifically designed to confuse even very clever people. Which would be the greater loss to the world? Have decided more would suffer if I retrained.

Tinkety tonk, old fruits, and down with the Nazis*,

Philip

* Originally used by the Queen Mother in a letter in February 1941

Read More and Comment

05/02/2017
An independent (financial adviser's) view

‘Teresa May cancels Brexit’. That’s an Alternative Fact.

Weetabix warns of price rises this year

Many didn't take the war seriously until the bombs started to fall. Many will, like me, realize impact of the return of inflation with the news that the cost of Weetabix, my breakfast staple of my breakfast since schooldays is to soar. The reason is more bizarre than my early-morning eating habits. They have to pay for the wheat they buy in East Anglian, in US$. Can't blame the EU for that one.

They Shall Rise Again

Two things this week got me thinking (yes, really). 7IM talked about the amount of false news (now ‘alternative facts’) on the internet + social media and how, once it’s out there, it’s fact, the more outrageous the better. And I had a tour (by an editor, no less) of the Guardian offices, which was like stepping into ‘All the President’s Men’ without the smoking and typewriters.

My conclusion: like vinyl, newspapers, even if they die first, will revive. They’re easy to consume, you can hold and, with certain obvious exceptions, believe them. Just as books will vanquish Kindles. Not sure about typewriters, though.

Government censured for ‘illogical’ drawdown policy

The TUC is calling for a cap on drawdown charges and a cheap 'default' government plan so workers don't make the 'wrong decisions' with their now-freedomed pensions.

Haven’t we learned from 'stakeholder pensions' that making something cheap and simple won't make the right horses drink the water. Just as making ciggies cost a fortune hasn't made most of those who can least afford them give up. Those who won't save and squander what little they have while still poisoning themselves, will always be with us...

Top Trumps?

Heard some Trumpinsights this week from a brilliant if scary American lady fund manager; that if you can separate Trumpology (the wall-building) from Trumponomics, some stuff makes sense.

For instance, US corporation tax is around 40%, double the average for other countries. Which is why the Googles of this world make their profits 'elsewhere'; bring it down and they might return to the Land of the Free.

But Google only employs a few ‘000s. Building a big oil pipeline will create lots more jobs and could mean they don’t have to talk to the Saudis any more. Etc.

Doesn’t make the hair any better, but could keep stockmarkets high and investments going up. See below.

80% Stock Market Crash To Strike in 2017, Economist Warns

If I had a £ for every time I’ve been asked lately, ‘When is the stockmarket going to crash?’ or ‘Should I take some money out before you-know-who presses the button?’, I’d have a lot of £s. Here are some stats:

If the FTSE 100 index had gone up with inflation since its previous high in 1999, it would be at 11,011.

If the FTSE had gone up with inflation since its previous low in 2009, it would be at 4227.

It’s currently at 7188. Is your glass half full or half empty? Another Chablis for me, please.

More soon,

 

Read More and Comment

29/01/2017
An independent (financial adviser's) view

Signs of getting old, part 59: Son asks for fancy dress ideas for a ‘90s-themed party. That’s the 1990snot the 1890s, madam, aka the day-before-yesterday.

“BT shares nose-dive”

There’s No Such Thing as a Sure Thing, part 497: BT’s share price went down 20% on Tuesday. If you’ve tried to contact them about anything in the last few years (especially your broadband) you may feel this is a well-deserved and overdue demise. You may even have been sticking metaphorical or literal pins in old bills or Maureen Lipman adverts (kids ask your parents). If that sort of voodoo works, believe me, Vodafone and Sky are next on the list…

“Osborne to join Blackrock”

It's an ill wind...but can we really begrudge him the £500k George Osborne's been paid for making a few speeches, or that he's likely to get as much again for his new part-time job. After all, he's a Conservative, so a capitalist and this is free enterprise in a free enterprise economy and he'll be paying lots of tax and it's not his fault we decided to Brexit, etc etc.

Mrs May’s cunning plan

Could these stories be in any way connected?

'Financiers are losing confidence in the economy and one of the country’s top forecasting panels has predicted a three-year grind of slow growth', Times.

'Theresa May will signal an era of greater state intervention in the economy as she launches her industrial strategy with a promise of “sector deals”, a new system of technical education and better infrastructure', Guardian.

Spookily enough, 'when in doubt, spend your way out' was the much-maligned strategy of both Labour and Conservative governments in the 60s and 70s. Before, coincidentally, we joined the Common Market/EEC/EU/take-your-pick. Hmm.

Punditry Schmunditry

I’m honoured to have been asked to be part of a panel at a big adviser conference at the NEC in March. The subject on which I need to have an opinion is ‘What will generate Alpha in 2017?’ In City-speak/Investmentidiocy, this means, not how to breed an American footballer, but what can you invest in that’s likely to go up more than other stuff.

Problem is, I've said for a long-time that most of those paid a fortune to know this don’t have a clue; so funds which spread your money between lots of different types of investment are the best bet for most clients. The show-off in me means I won’t turn down the invitation and I can talk a good game as much as the next man. Which probably makes me as qualified as the next man, who’ll be sitting next to me, with no doubt, much better qualifications.

All Greek to me

At a seminar this week I heard some of the best evs investmentidiocy (the non-sporting version of Colemanballs, or maybe Pseuds Corner, kids ask a Private Eye-reading parent).

Apparently, we could be moving from an era of Secular Stagnation to one of Fiscal Elongated Expansion. This could generate Risk Asset Opportunities, identifiable using Proprietary Scoring Algorithms...I rest my case.

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22/01/2017
An independent (financial adviser's) view

Bizarrely, I’m being invited to 60th birthday parties. Bizarre, as it was surely only a couple of years ago that I was going to 50ths. Must be the Trump Space-Time Continuum…

‘Theresa May opts for a hard Brexit’

Overheard this week in the gym locker room: "This Brexit, right? We voted out, so next day we should have said 'You've had your last cheque, Merkel', closed the borders, job done". That's what many of your subjects (and the Dailies Mail and Express) think of as a Hard Brexit, Lady May...

‘HSBC, UBS to shift 1,000 jobs each from UK’

I’ve been told many-a-time since Brexit that I’m ‘like a stuck record’. But didn’t I say that financial institutions would ship out of the City? HSBC and UBS are the first to confirm they’re off. The fast-completing merger of our Stock Exchange with the Germany’s is bound, I’d wager, to make Boris forget his new Basil Fawlty ‘Don’t-Mention-the War’ vows as Frankfurt becomes the new Shoreditch. Watch out for Dublin, though. Could be that the last Irish joke is on us…

‘Advisers face FSCS costs of £270m’

Do we drive faster because the airbag will save us? Do FI drivers take more risks because their cars are pretty much indestructible thesd days? Some do; just as some are happy to invest their pension funds to invest in Cape Verde Island property funds offering guaranteed returns of 10% pa. Those of us who haven’t, and wouldn’t dream of, recommending that sort of stuff, are having to cough up an extra £36m this year to the Financial Services Compensation Scheme to compensate for those that have. And guess who’ll actually pay in the end?

‘How to get a pension of £20,000 by the time you retire’

The Office of National Statistics has reinvented the pitch we used to sell pensions 25 years ago. 'How much do you need to save to get a pension of 2/3 of your salary? If you're 25, it's 10% of income, 35, 15%, 45, 30%. For the rest of your working life until state pension age.

We were told that was too 'hard sell'. So most people stopped saving. The harsh realities, though are the same and our reluctance to be, or the regulator's horror that we might still be salesmen will bite many on their old-aged bottoms in years to come.

It’s a very, very…

Our stockmarket's up 28% since 20th Jan 2016, interest rates are still at 0.25%, we have the lowest unemployment for 11 years. And ‘the International Monetary Fund has upgraded its forecasts for the UK economy this year after the latest signs that businesses and consumers have shrugged off the Brexit vote'.

But: the pound in your pocket won’t get you that far in Disneyland or Benidorm; watch inflation head north, as the boys in the City (those that stay) would say; the Guv’nor at the Bank of England says interest rates might go up now; and Trumpton has opened for business. Does anybody know what’s going on?’

More soon,

Philip

Read More and Comment

15/01/2017
An independent (financial adviser's) view

 

Think we might all be living in La La Land. Lovely film though…

BMW 'absolutely committed' to a new Mexican plant

It should be good news for us that firms like BMW value the cheap labour of building cars in a third world country over the cost of hauling them over the wall from Mexico. Could mean foreign companies will follow their lead and keep offices and factories here post-hard/soft/slightly squidgy or whatever consistency of Brexit we end up with. The pound's down and the stockmarket's up. Happy days!

FTSE 100 heads towards another record

However, the question currently most-asked of most financial advisers is 'will it last?' or 'when will the stock market crash? The answer most-answered is 'I don't know'. Who knew Brexit and Trump would send everything north rather than south? Who placed a bet on the Leicester City/Trump/Brexit triple?

Best answer: It will go down sometime. But it will go up again. And in the long-run, it will go up more than it goes down. So, when and if it does go down, in the words of both Coldplay and Cpl Jones, ''Don't Panic".

Whatever next?

It’s only 10 years since the iPhone was launched and changed a heck of a lot of things. Do you know anyone under 25 who uses a ‘phone to talk to anyone, apart from their parents? As well as conversation, it killed both Nokia and Blackberry. In the same 10 years, DVDs have come and gone, along with CDs and HMV.

What about the next 10 years? Well, TV as we know it will be a thing of the past. Goodbye to ITV and Sky, we’ll be watching Netflix, Amazon and BBC iPlayer. Lidl and Aldi will go, M&S and Waitrose will survive. Look at the Xmas sales figures. Service triumphs.

Sadly, Apple will go too, without its driving force and innovator. And Trump, May and Corbyn will all be history, one way or another. On safer ground there, I think...

“Corbyn calls for maximum wage law”

There was a company in the ‘80s which sold bucket-loads of savings plans on the basis that the proceeds would be free of high rate tax. Most of those that signed up to pay £20 per month were never likely to be high rate tax payers; but they thought they might be. Similarly, most of those that audition for ‘Britain’s Got Talent’ are proof that it hasn’t; but still they come. So I don’t think, Jeremy,  that putting a cap on earnings will be a vote-winner. Or work any better than the supposed cap on bankers’ bonuses.

“Corporate guff scales new heights”

Highlights from this year's Corporate Guff Awards (yes, it's a thing):

'An orderly ramp-down of 3000 persons' (we're sacking lots of people)

'I hope you don’t mind the outreach, let’s find a time to connect to mutually update' (could we arrange to meet?)

'Can we cold-towel that?' (calm down, everyone)

'A new hair management system' (Speedo swimming cap)

Great, aren't they? Anyway, hope you weekended well and enjoyed these messages from our global touch-base.

More soon

Philip

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Philip always gets back to me in a timely fashion. He is always happy to listen to what I want and is creative in his suggestions. Philip is an excellent and professional Independent Financial Advisor, I'd even say friend.
Simon Young/ gloucesterphotographer.com

"Philip has provided an excellent service since my retirement"
Terry Walker

"Since Philip has helped me with my finances I have managed to relax knowing that I can trust his advice. He is capable of talking in laymen?s terms so that I can understand what choices I have and make informed decisions. I would highly recommend him."
Karen Easterbrook

"Philip has been a great help to me during a time of considerable change in my life. He is friendly yet professional and I have found it very reassuring to have a consistent approach from one person. I would have no hesitation in recommending Philip."
Diane Fowler

"Philip has provided professional advice appropriate to our needs by taking the time to find out what our requirements are. He is reliable and delivers what is promised."
Lindsey Braune

"Philip has the ability and perception of managing my financial affairs at the level that suits me. As a result I'm able to fully understand the pros and cons of any situation so that I can make the right decisions."
Mike Cleaver

"I have worked with many firms and individuals in implementing new processes within their business but have been immensely impressed with both the efficiency and attention to detail that Philip displays. His personal ability to complete all that he has in front of him is extremely impressive. Philip also obviously deals in this manner with his own personal clients and I can very much understand why such a high percentage of them both use his services again and again as well as refer him with confidence on a regular basis."
Andy Redhead

"We were fortunate to have Philp with us at retirement when important financial decisions and investment decisions had to be made. His advice has proven to be sound on an ongoing basis. We have judged, and to continue to judge Philip as a safe pair of hands in financial matters."
Michael Yorke

"Philip holds that rare quality in financial advisors, he is consistent! In over twelve years of very changing circumstances Philip has looked after my financial interests and has alway put the needs of me and my family as a priority in helping me make the right decisions."
Martin Houghton-Brown

"Philip helped us with every aspect of setting up our pensions when we retired. Very professional and helped us make the right decision. I would recommend him to anyone."
Monica Gorton

"Philip offers a personal and effective service in an industry where good advisers are hard to discern. I am happy to recommend him to others who need this support and advice."
Antony Dale

"Philip has been a highly reliable and expert financial adviser to us over many years. His investment and Pensions advice has allowed me to take early retirement with an excellent level of financial security. I would recommend Phillp's services to anybody without hesitation."
John Nightingale

"Philip works hard on my behalf and has my best interests at heart."
Andy Lamont

"Since meeting Philip a number of years ago, I had no hesitation in asking him to provide his services as my IFA. This decision was easy, as it was clear that he is a man of honesty and integrity - his outwardly professional attitude is clear for all to see. Having hired Philip I have continually been impressed with the level of service he provides me and my family. He has always gone beyond the reasonably expected line of duty and takes the time to understand his clients' needs thoroughly. He will listen to any concerns about what recommendations he is making and will take on-board a client's needs, rather than giving the impression of trying to steam-roller a solution into one's portfolio. His work is delivered to his clients with a recommendation which is clearly explained and illustrated, on a timely basis. Philip is always approachable and I would thus recommend his services to anyone without hesitation."
Chris Hunt

"Philip has been my financial adviser for many years. He is professional, helpful, extremely pleasant to deal with and provides sound financial advice. I have no hesitation in recommending him."
Liz Barnwell

"I regularly refer my clients to Philip for professional independent financial advice and will continue to do so as all feedback received has been positive and complimentary. He is a dedicated adviser, trustworthy and loyal with a keen sense of duty and responsibility."
Alan Gilbert

"I would recommend Philip as a personal advisor to anyone who is like me and wants to be able to outsource all the admin and worry of their financial planning to someone they can trust to get the best for them."
Julia Nasrallah

"Until I was widowed I had not had to deal with money as I was married to an accountant. Philip ably and sensitively assisted me in the daunting task of arranging my financial affairs and has always explained things to a novice in a very direct and understandable way"
Ros Leigh

"I have being using Philip for over 15 years to handle and manage my pension requirements. He has always been very knowledgeable and persistent in finding the right products for myself and my wife. Philip is someone I strongly trust and I would not hesitate in recommending his services."
James Griffin

Philip has been my financial advisor for over 20 years. He looked after my investments and retirement planning giving me sound advice throughout my working life, and is continuing to do so in my retirement. He's a good listener and communicator, paying attention to my views and offering advice based on what he knows about me. He doesn't push me to buy products I'm uncomfortable with.
Carole Barrington

I've known Philip for 22 years and throughout, he has advised and arranged my finances to my best advantage. He advised me after my redundancy and up to and after my retirement, to the end that I am able to enjoy a steady income and still have my capital to fall back on if needed. I feel that I can trust his advice and his knowledge, and am able to recommend his service without hesitation.
Chris Edwards

Phillip gives easy to understand, clear advice; he also allows time to consider and ask further questions. He is easy to talk to, listens to you and tailors plans to meet individual needs. I also like his witty blog on financial antics!
Sandra Persson

Phil takes a very realistic and pragmatic view of my current situation and advises me on what options are available to me. I have a high level of confidence I am receiving the information that I need to make an informed decision.
Gerry Rohling

"Philip has a keen perception and understanding of a client?s needs and expectations. He provides clear, appropriate proposals and follows through with thorough and detailed explanations.He also provides regular assessments and evaluations."
Pat Carmody

"Philip is very easy to work with. He gives sound advice and explains things very patiently. The products and services he has provided have been excellent in terms of cost and quality. I find him an excellent advisor."
Caroline Witts

"Philip is a great communicator - he listens carefully and is very sensible of the need to explain, clearly and simply, ideas and propositions that might prove complicated to the uninitiated! He has very good product knowledge and is able to tailor the advice he offers to the client according to need and after detailed explanation of risk versus benefit - would not hesitate to recommend Philip, accordingly."
Karen Harrison

"Philip has provided really sound advice over the years. He researches well and listens to your needs, matching products that deliver the results you would expect."
Clare Davidson

"During times of financial fears and austerity angst, Philip is a voice of calm. He never pushes products or services, but instead listens, remembers and acts appropriately. He is a joy to deal with and I would heartily recommend him."
Jane Bainbridge

"Philip is an excellent independent financial adviser. He has reorganised my finances most effectively to give me clarity and peace of mind."
Rupert Hanbury

"When I retired from being a Financial Adviser at Allied Dunbar, I was happy to pass my client list on to Philip in the knowledge that they would continue to get a trustworthy service from him. He is now my Financial Adviser and has been for the last 16 years. I am still recommending him."
Harry Catton

"When I lived and worked near, and then in, Fulbrook, I always found Philip very friendly, efficient and readily accessible when his services were required. Now that I have moved to Scotland, which has meant many fewer actual contacts, these attributes have continued, indeed I am about to make use of his skills again on more frequent occasions, now that I am getting older and work opportunities are lessening in this time of austerity!"
Ken Jackson

"Philip has provided valuable advice over several years to meet my needs as work and personal life styles changed. Particularly valuable was advice during stock market volatility when I was seeking an annuity - It saved me a lot of money!"
Monty Charles

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