Here are some of things our clients have said:
“Forty Two allows me to relax knowing that my financial affairs are in good and trustworthy hands.”
“Thank you for the session. We found it very useful, it was as if a bolt of lightning had struck.”
“I would recommend Forty Two for its immediate response to any question asked, and for the guidance and support offered to quell any doubts.”
“Explanations of financial instruments are very clear, it is easy to ask questions. There is a very structured approach to investments and a clear strategy and I am always made to feel welcome."
“You and your staff make us feel that we are important to you.”
“Face to face interviews conducted by Alan are an excellent way to cut through complex matters and give clear and concise answers. The process sounds daunting, but the systems make it less so. The detailed analysis Forty Two supplies is also immensely helpful.”
“Without the quiet resolve and steadfast approach conveyed, coupled with direct and concise delivery of complex information I may have found difficult events in my life even more unsettling. The amount of work involved transferring funds to Transact was farsighted and impressive. I am relieved and grateful to have the benefit of your professional vision realised.”
David & Alice
I was amongst Alan's first clients and our long term relationship has grown into a trusted friendship. I have watched his family grow, as he has mine, as well as his business grow and in to-days volatile market place it gives me pleasure to see Alan go onwards and upwards "Ad Astra" to the stars.
For someone like me who never pays the attention one should to Financial Planning it is a comfort knowing Alan is in the background doing this for me, thank you Alan.
If you like seamless and understandable advice I can certainly recomend Alan Dick
Duncan & Mary
We have been clients of Alan since 1998, and since then have benefited greatly from his impartial advice and guidance regarding our finances.
Both myself and my wife appreciate the way in which he demonstrates his professional expertise.
The annual review keeps everything in context and allows us to plan for the future, in the knowledge that financial status is being monitored carefully.
A first class service, that we have no hesitation in recommending to anyone.
George & Susan
My wife and i have known alan since he was at primary through his accountant father, thought he could have made it as a musician but seems has done better in the financial world.
We have received excellent advice via pension planning and preparation. I do not normally put all my trust etc. into financial advice
but have no hesitation in following the route he chooses for myself and wife. I have never thought he was in it for the quick return to be made
and long may he continue to grow and prosper and i will pass on my recommendation to anyone who asks me.
Ian & Olivia
We have worked with Alan on our financial plans for a number of years now and find him to be an extremely knowledgable and competent person. His quiet, efficient manner instils confidence that he 'knows what he is talking about' and perhaps more importantly, he can explain the intricacies of financial planning at the right level for his customers. He guided us through a full financial review of what we had coming in and going out and we also completed a risk profile so that he understood the level of risk we were willing to take with our investments.
Working with Alan meant that when we both had the opportunity to take early retirement he could show us our financial future under a number of scenarios and this gave us the confidence to take that next step.
His use of some excellent financial planning software means that he can show you figures, profiles, graphs etc, as you prefer, to aid your understanding and I can even say we look forward to our annual review where we can sit down and discuss how the previous year has gone and what has changed for the future.
John & Evelyn
My wife and I began our relationship with Alan Dick then of JRD Partnership in 1995. At that time our careers were growing along with increases in our incomes and we wanted to plan for an early retirement, if possible. Alan's approach was very professional; he took a very understanding approach attempting to identify our expectations on what levels of financial returns we might expect against the levels of risk we were prepared to accept. At no time were we 'sold' products but were presented with statistical forecasts on what might emerge depending on the course of action we eventually agreed.
Seventeen years on this process still continues although it is well established now. His approach in now is to help us achieve some of our personal retirement ambitions, some of which will require finances, so he has managed to understand these possiblities and persuade us to go out and make them happen knowing that we can afford them.
Four years ago my wife and I accepted voluntary retirement from our employer. Immediatley we consulted with Alan and within a 4 week window he reviewed our retirement finances, made recommendations and completed arrangements which minimised our tax liabilities and produced a profitable return on new investments.
For some people the prospect of paying a fee for this type of advice might seem difficult especially if you are already managing you affairs currently.
What do you get?
Annually we have a review where the performance of the portfolio is re-evaluated with recommended adjustments. We also review the personal retirement goals we agreed at previous reviews and what we have achieved; we then set new goals for the coming year. We don't get sold new products at any time in the relationship.
We get a consistency of service which is always predictable.
There is technical expertise around the frequent changes to financial legislation which helps us make decisions. We view the advice as impartial, delivered by someone with integrity and genuinely interested in financial and personal welfare.
I have already recommended professional friends to Alan and will continue to do so.
I have been very pleased with the attention to detail which Alan displays and particularly liked the fact that he was careful to assess the level of risk I felt I could cope with at the beginning of our association.
When I have my regular review with him he explains carefully any changes to my portfolio he recommends and the reasons to ensure I fully understand what it means for me.
He has been involved in helping me to plan my retirement and the ability to have a projection displayed of my future finances allows me to feel secure and most importantly be able to make my holiday plans for the years to come.
Mr & Mrs S
Before I discovered Forty Two Wealth Management my investment portfolio and financial planning was chaotic. I had a plethora of unit trusts, shares, various bank accounts and general investments that were spread far and wide and almost impossible to track.
Forty Two Wealth Management took careful note of my risk profile and based on that, consolidated all of my investments in a portfolio that I can track day by day or even minute by minute on-line.
They provide regular face-to-face meetings where everything is laid out and explained in detail and tax planning, future expenditure profiles and pensions are carefully calculated.
I can contact them at any time for advice.
I really feel that my financial affairs are at last in good order and being properly looked after by a competent financial adviser that I can trust.
Altogether an excellent service.
Alan goes to great lengths to make sure that we have complete understanding of our financial position at present and how that is likely to devlelop in the future.
He has steered us through a particularly turbulent few years on the markets with calm assurance and is always available to give advice or point us in the right direction when there are financial decisions to be made.
Alan takes care of everything that I need to do with investments and savings, giving advice that's in my interest, not his.
I don't have a spare second with work and family life, so it's great just to be able to leave everything in his hands, and I trust him implicitly.
He's not your typical "financial adviser". He doesn't work on commission , so you know you're getting impartial advice.
He helps plan my life for the next 30 years, and goes with the flow when I change my mind the whole time when life throws up a new challenge!
In short, he does an awesome job and can't recommend him highly enough.
Peter & Elizabeth
He is a good listener and has shown the ability to forecast the impact on my financial situation which differing potential scenarios would produce. this allows us to plan for the forseeable future and have a contingency if the unknown occurs.
He knows me well and has been trusted with close family details for many years. I have had no experience of other advisers for many years so I cannot compare him. He seems to fulfill my needs. Whether this is adaptable to any changing circumstances in my future life, any possible lack of mobility on my part to go to his premises, is unknown. I recently asked him what he saw as his future developing role of the company and he was fairly open with me.
These are trying times, we all hope for better ones ahead. I am more fortunate than most.
Philip & Patricia
I have been with "Forty Two" for approximately 16 years and have found them very reliable and despite the financial collapse in 2008 I was advised to stick with our original investment portfolio. This is now paying dividends and I am more than happy to recommend Forty Two.
Very, very pleased with the comprehensive and detailed review of my investments, tolerance to risk and - refreshingly - life goals and ambitions. After the detailed review and deciding to proceed with Forty Two's recommendations, the transition of my then rather fragmented investments to their suggested investment setup was supported all the way by excellent (and patient) staff.
The end result is all I think you can ever really ask for (but has typically be absent in other financial advise I've received): Far greater confidence, and peace of mind, with my financial affairs, allowing me to get on and enjoy life without having to worry quite so much about my investments not being there when I needed them. Whether it's ticking off the ambitions I have in life, or having a retirement plan in place.
Robert & Eileen
I have always had complete confidence in his ability to pursue any matters. Nothing was ever a problem and his knowledge of the financial market is second to none. On his advice, decisions could always be made with complete confidence. On pensions particularly, I do not think there would be any stone unturned by Alan, before a recommendation would be forthcoming. To get someone who would have a better knowledge and understanding of clients needs rather than Alan Dick would in my opinion be very difficult.
Stewart & Wendy
When we went to 42 Wealth Management our full financial situation was reviewed along with our future
aspirations. A plan was then put in place which covered pension plans, investments and insurance cover. This
is reviewed on an annual basis and any adjustments made to keep it on track. We also get regular financial
updates on a variety of financial topics.
We are completely satisfied with the service we get and as noted above our plan is regularly reviewed and we
get regular correspondence from Forty Two Wealth Management.
Tom & Anne
Being an Engineer with a small business, and limited financial knowledge, it was important to me that my financial affairs were in good hands. Forty Two let me concentrate on what I knew best, and take away the strains of running a business at the same time as worrying over my own personnel finances.
After 18 years with Alan, I have slowly and increasingly recognised that the guidance and advice he has given was first class and correct for me.
Tom & Marie
I would recommend Alan because he took the time to understand exactly what my "life plan" was and then tailored a financial package which met my needs.
I now only require an annual review when to-gether we can tweek the package and I can get on with my life.
I contacted Alan by recommendation in 2010. At that time I was approaching 50 and had four Personal Pension Policies and did not have a clue about Financial Planning. From our very first meeting I was impressed with Forty Two Wealth Management. I was not, and have never felt that I have been, sold anything. This was so refreshing as I have had dealings with so called Financial Advisors (Independent (allegedly) and also from within Banking Institutions) and have always been left with the feeling that I was under pressure to buy into something and the "Advisor" was only thinking of their commission. Alan Dick as he said himself is not a salesman, he offered genuine advice.
My wife and I completed a full Financial Review which was a real eye opener. Where does your money go? We also completed a Risk Profile which again was very interesting. All this was fully documented and explained giving full details of income and expenditure and Net Worth. I would recommend this to anyone particularly in my age group.
As a result of working with Alan I have amalgamated all my pensions into 1 Pension Portfolio which is in line with my Risk Profile and I have full access to this online 24/7. I am not fully convinced on the Return on Pensions particularly at the present time however as a Tax efficient way of saving it is definitely the way forward for me.
To sum up Alan Dick will give you genuine sound advice in relation to any Financial Matters and I would certainly recommend the process that we went through with him. I am now happy to know that the Financial side of our lives (which I don't really have the time to deal with) is in good hands.