“I contacted Helene to discuss my options with regard to several pensions accrued over my working life. With the new flexibility to access lump sums, seeking expertise was paramount to navigate the pension minefield.
Helene looked at my personal circumstances and determined my attitude to risk. This translated to a balanced plan which involved consolidation of my pensions to simplify future management. I was then able to draw some funds to meet a short term objective, with a monthly payment below tax thresholds to bridge the gap before my state pension commences. In addition, I have the option to vary the amount paid in the future.
At every stage Helene carefully explained the process with all the ramifications involved.
The discussions were businesslike but amiable, informative and of considerable benefit. The relationship has been further enhanced by updates which will impact on my situation either through Government or personal provider.
In the past I was sceptical regarding “financial advisors” but have been pleasantly surprised by the experience encountered with Bread & Butter Advice.
I have no hesitation recommending this company to give clear, concise, accurate facts. Very happy with my personal plan.”
Mr Dave Waddicar, Bolton, Greater Manchester
“Having several pension pots accumulated during my working life I found it difficult and somewhat overwhelming to wade through and fully understand the jargon in the different policies and find a way in which these could be brought together to simply my financial needs in retirement.
Having decided to seek advice I was delighted with the excellent, professional service provided by Helene Collins at Bread & Butter Advice. After we talked through what I felt were my requirements in retirement and my approach to risk she came up with the solution which I’m very happy with and which I now find easy to manage and understand. I have been particularly pleased with the ongoing service received especially in the way that any queries I have raised have been dealt with very promptly and efficiently. Consequently, I would have no hesitation whatsoever in recommending Helene and her colleagues to anyone wanting advice on financial and pension matters.”
Mr Ian Kearvell, Birkenhead, Merseyside
“May I take this opportunity to say thanks for keeping in touch so assiduously. Nothing is more unnerving than a silence! It’s has been a breeze and a pleasure dealing with Bread and Butter Advice Ltd and more particularly your good self.
I have and will continue to recommend in the future, and as promised, I will contact you again to see what recommendations you may have for my future finances. Of course I will be pleased to hear from you at any time, but if this is the last mail for now, then thanks again, and good luck for the future.”
Mr D Shallcross, Mickle Trafford, Cheshire
“I must say as someone who is a bit of a technophobe, I was very wary of dealing over the Internet with anything to do with financial matters. Then to my surprise, I found the bits on the computer easy!
Having put in the basic facts I was contacted over the phone. A real human with a warm friendly voice, who was aware of my initial trepidation and was very knowledgeable of the area of interest to me. The service is easy to use and all persons that I dealt with were patient and went out of their way to get me the best deal for me.
I would use your services again and will in the future. Anyone who is considering using your services I would say give it a go you have nothing to lose an potentially lots to gain! Many thanks to you all.”
Mr M and Mrs E Ainscough, Cleator Moor, Cumbria (Now living in Southport)
“Having difficulty in obtaining a new mortgage at our age and one that could be based on pension income, we turned to Bread and Butter Advice.
We found them helpful and easy to deal with. In fact having to deal with them over the phone and internet has been an advantage, which suited our situation fine.
We would have no problem about recommending others to make use of their services.”
Mr P Taplin, Company Director, London
“As a recently married self-employed director, my financial requirements individually, and as a family can be complex.
Helene, Andy and the Team have support us with patience, impartiality and with a constant focus on our needs.
In a world where financial advice can be pushy, complex and clinical, Bread and Butter Advice provide a service which is unique, human and constantly respectful of our position.”