"I write this note in gratitude and recognition of the power of your 'system'.
For the years my wife and I have been working with you, the annual review and the regular investment suggestions have been very useful and always carried out in an efficient and sociable atmosphere - and in itself that had seemed enough.
However, the forecasting part of your system has proved particularly useful in recent months........... when I lost my very well paid job in Q4 of 2011 with no certainty where the next employment was coming from, I was obviously very concerned.
However, with your forecasting system we were able to put different future employment 'vs' early retirement scenarios to the test and discover that even the 'almost worst scenario' would allow us to live our lives in the style to which we have become accustomed! This was obviously aided by the stringent savings/pension routine that you suggested we commence 2 or 3 years ago - another benefit.
So whilst this has not reduced my desire for a fruitful and rewarding 'final' career, it has taken away the stress and curiously enough the removal of that stress has allowed me to re-evaluate what I would like to do for the next 8? years - watch this space.....
I would like to recommend your system to any potential new client with best wishes."
JB (Managing Director of a construction firm)
"It was evident from the outset that Carlton Smith Private Wealth’s approach to our finances was going to be different to that which we had previously experienced. After selling our business some four years previously, my wife and I had been looking for a financial adviser to help us to achieve our goals and more importantly really understand what we wanted to achieve over our lifetime.
We knew that we weren’t able to live just off the interest that cash generated and that we had to plan for the future and in the most tax efficient way possible.
Nic Carlton Smith completed a thorough and very detailed analysis of our personal circumstance looking at both the present and various scenarios of different paths our lives could take in the future. This was truly a different approach from other IFA’s and financial advisers we had previously met. It was refreshing to meet a firm that wanted to build up the detail step-by-step and to give us the fullest possible picture from which to make our final decisions. At no time were we rushed or coerced into making decisions or going down routes we didn’t feel appropriate. Nic Carlton Smith made recommendations and stripped away the mystery that seems to surround so many financial products and spent time explaining their investment process in considerable detail to us. As part of the planning review process they also managed to incorporate our pensions into the overall strategy and at the same time resolve a long standing issue with the scheme we were then part of.
We are cautious investors wanting to look after what we had managed to achieve and I am delighted that Carlton Smith constructed and recommended a strategy based on our needs and outlook.
I would have no hesitation in recommending Carlton Smith to anyone needing financial advice."
T & C (Former company owner and his wife, Norfolk)
The service so far has given me a great perspective on how I can plan for the future, instead of just stumbling on. It has eased a big concern that I had about being able to 'look ahead' and to see if I am on track to achieve my goals. I trust my investments now and my plans for the future.
You have provided great info on how to protect my assets (that get passed down to the children) with your use of trusts and combined this with my financial planning to create an entire package. I am very grateful for this service and I wish I had known about you earlier.
Ian H (Non-UK Tax Resident) private client
Nic has worked with us for the past 3 or 4 years and we have found him to be easy to talk to, professional, proactive and he thinks ‘outside the box’. We have used Carlton Smith Private Wealth to make investments for our SSAS and Nic has helped explain these clearly. We would have no hesitation in recommending Nic and his company.
M Boatright - Ultra Trade Frames Limited (corporate client) Suffolk
"My wife and I have been advised by Nic Carlton Smith, from Carlton Smith Private Wealth, for quite a few years now. We enjoy the personal service and have found Nic a friendly, helpful individual who has given us a greater feeling of security with our finances. We are pleased that he spent the time with us to fully understand our circumstances and aspirations before coming back to us with an initial plan. He continues to meet with us on an on-going basis to ensure that our finances are managed in line with our changing needs.
Through his expertise he has provided us with a well-managed growing portfolio with regular communication and a personalised cash flow each year. This cash flow was particularly important when deciding if we could upsize our house and still afford to maintain our current lifestyle and retirement aspirations. Thankfully, the cash flow showed that we have no problem and are currently putting in an offer for a house we have fallen in love with. Thanks again."
ND (Managing Director and Owner of UK-Wide Medical Supplies Company)
We were introduced to Nic during 2012 and after our initial discussion we decided to place our financial future in the hands of Nic and his team.
A complete overhaul of our pensions, ISA's and other investments was carried out with a view to reaching a satifactory position when we retire.
To date we have had several meetings at our company and Nic's office and we have been very impressed with the depth of knowledge, quality of work and effort put in to achieve this.
Nic and his team are very helpful with what to us is a very complex procedure and we feel confident that we can look forward to retirement with the best financial arrangements possible in our circumstances.
D&J W – Corporate and private clients (Suffolk)
We as a company have worked with Nic and his team for many years now and they have been the only IFA we have been prepared to work with. I frequently refer them to my clients and encourage other staff to do the same - from the young lawyer looking for income protection advice to owners of multi-million pound turnover companies requiring the full service offering of Carlton Smith Private Wealth. They treat our clients with care and respect and tailor their advice to suit the individual's circumstances. Most of my clients opt for cash flow planning which Carlton Smith Private Wealth offer and to date have all found this to be invaluable. They are also extremely professional, diligent, caring and dependable and I have no hesitation in recommending their services.
Chris Reeve, Managing Director at Gascoynes Chartered Accountants, Bury St. Edmunds - www.gascoynes.co.uk
We both wanted to pass on our sincere thanks for all of the help that you have given us in the past few weeks. Your clear and concise answers to our many questions have been a great help.
Regards and many thanks,
Steve and Christine. (private client)