Testimonials

All our clients are extremely important to us and we work hard to ensure that they receive a wealth management service that is specifically tailored to their needs and personal preferences. We pride ourselves on building long-term relationships with clients founded on mutual respect, trust and integrity.

Below is a selection of testimonials that clients have provided. Although they are anonymous here on the website, we can elaborate further when we meet with you. We have also categorised them so you can read the ones relevant to your specific interest.


About Us

“The initial meetings with CWM very quickly convinced me that their individual and team honesty, integrity, trust and service at a client level were an excellent fit with my personal values and my expectations. I understand that completely ‘independent advice‘ is very difficult to achieve but I continue to believe that CWM strive to provide client specific advice and options that best suits their practical and financial needs but that are economically sensible.Following our decision to employ CWM as our primary financial advisor my wife and I have been consistently provided with professional and friendly relationships; clearly described analyses and options; open discussions; a willingness to assist in specific detailed issues; a willingness to meet with our other professional advisors to achieve optimum solutions; effective execution of tasks related to administrative and financial matters.We trust that CWM will be able to maintain their financial independence, their professional integrity and their superior client relationships whilst expanding their corporate capabilities and their market presence. We expect CWM to be life partners for us.”

Mr.B.C.


Intermediaries

“Following our decision to employ CWM as our primary financial advisor my wife and I have been consistently provided with professional and friendly relationships; clearly described analyses and options; open discussions; a willingness to assist in specific detailed issues; a willingness to meet with our other professional advisors to achieve optimum solutions; effective execution of tasks related to administrative and financial matters.”

Mr.B.C.


Private Clients

“Prior to winning the lottery Christine and I were engaged and had been living together for about a year. I worked as a co-ordinator and Christine was a practice nurse. I contacted Chartered Wealth to arrange a meeting to sort out our finances, and it was the best move we have made. Their service is second to none and since winning the money we feel secure in the fact that we are being well looked after.We have regular meetings with CWM and feel comfortable that they have our best interest at the heart in the things that they do for us.”

Mr & Mrs P. S., Lancashire

******

“One quality my professional taught me is to be a good judge of character and very quickly differentiate between genuine and insincere; a skill which has proved to be invaluable throughout my life in making, mostly, the right decisions. In a nutshell I can spot a “good egg” a mile off.It was purely by chance that I met David Spencer about eight years ago and for me it was a twist of fate that has proved to be enormously important in my financial – and personal – life. I instantly liked him, his charisma and the way in which he operated; giving me advice in a simple, reassuring, genuine, non-patronising manner. Nobody had spoken to me like that before. I was deputy editor of a weekly newspaper at the time, and I thought, you know what, if he can unravel the complexities of finance for me, one person pretty much overwhelmed and baffled by its complexities, he could do that for our readers.And so David began a regular column writer in which he covered money matters of the moment and fielded personal phone calls from individuals who needed specialised help. It was hugely successful. Some years later he contributed similar advice in a column in a former upmarket magazine which focused on Cheshire’s wealthy, their lifestyles and how they acquired their fortunes; some through luck, some through sheer hard work, and others through shrewd investment. But even the rich require good sound advice in order to keep it and expand it.Clearly, now as a bit of a colleague, our friendship blossomed and today, with his professional hat off, I count David as a true friend; someone I can have a fun lunch with once my portfolio has been put away. He is the least stuffy stereotypical financial adviser you could meet and in my trade I’ve met a few. He’s warm, friendly, reassuring, totally trustworthy, honorable, and has enormous integrity. He is a dream come true; a crusader in a greedy financial world most of us treat with understanding circumspection.

Although hardly wealthy myself I have been a rigid saver all my life and it was, and still continue to be, imperative that the harvests of my hard work and personal sacrifices should be channeled in the right way and make my retirement as comfortable and stress free as possible. David has striven towards that end from the moment he took over the running of my finances and in spite of a dire economic climate he never fails to keep his finger on the pulse and I know I am in the safest of hands. His knowledge of the business is mind-blowing and his patience sublime. I know I am not the easiest of clients to manage.

It is I who feels privileged to be a client of CWM since I am only Ms Average. Happily, this organisation, although incredibly savvy over how the super-rich can plant their money trees to encourage growth, remained loyal to their more lowly clients. David continues to give me just as much personal support in his inimitable comprehensive style as all his clients. And if you don’t “get it” through the verbal route he will draw it for you!”

Ms. P. H., Cheshire


Investment Service

“I felt I needed an organisation that understood my requirements from a personal wealth perspective. David handled the transfer of my investments and also helped to appraise and then reorganise my savings and pension arrangements. Since joining as a client of Chartered Wealth Management, I have seen a clear turnaround from my previous advisors. With Chartered Wealth Management, I have primarily sought to bring stability to my investments but to add growth when appropriate given the current economic climate. This has been achieved successfully and I am delighted with the improvement I have seen over the last three years. I have an excellent relationship with David and feel confident that he understands my requirements. We have regular meetings to discuss progress and whether any changes in personal circumstances need to be addressed. Given the current economic climate, his approach and advice is always appropriate and I know I can speak to him on any matter from major purchases to monthly income and pensions. I also have an excellent relationship with the staff at Chartered Wealth and they are always there to assist if David is not available. I look forward to continuing my relationship with the Company and enjoying the benefits of their advice and expertise.”

Mr. J. R., Warrington

 ******

“I sold my business in December 2010 for, what I considered, to be a ‘life altering’ sum of money.Everybody has their own views on what changes their lives from a financial point of view and, in the case of myself and my wife, it was not about buying foreign properties and driving Ferraris and the like………….it was all about achieving the freedom to not be reliant on working in to the future, maintaining a very good but not extravagant lifestyle and the ability to help our children get a good start in their adult lives.One can imagine that suddenly finding ourselves in this position made us extremely wary of receiving bad professional advice and jeopardising our new found wealth.Through a trusted adviser who we had used previously, we were introduced to David Spencer from CWM in early 2011 and we knew immediately that CWM were going to be the firm who could help us realise our expectations. Of course, you don’t really know the whole company from the outset but we built up a great rapport with David mainly because he listened really carefully to where we had come from in our lives and what we actually wanted to achieve over the remainder of our lives. This was so important because we ‘trusted’ him and, thereby, Chartered Wealth Management as a whole. David examined in great detail every aspect of our assets and then came back to us to discuss his recommendations…………..the discussion was vital to us because we actually changed our minds on a couple of things that we had previously told him but he took all of this on board and was happy to spend as much time as it took.

Between us and CWM, we didn’t rush to ‘allocate’ all funds immediately – instead we met regularly whilst my partner and I were going through our ‘adjustment’ process until we were perfectly satisfied with the brief we were giving to CWM.

Since those early days, we now meet a minimum of 4 scheduled times a year but, invariably, this can be more as required. Indeed, David will call me as and when there are any significant stock market variances which might provide opportunities for our investments. Also, Helen and her colleagues who are the hub of the office, will move any money quickly between our accounts from just one quick phone call.

Since we appointed CWM, we have now met many of David’s other key colleagues including his business partners and their staff…………without exception they are all superb and always seem to have so much time just to listen to me…………in fact, I think the highest compliment I can pay CWM is that we feel like we are their only client !

Having said all of this, none of these plaudits would count for anything if our investments weren’t working out as well and I have to say that we are absolutely delighted with the great returns we have seen so far.

We would have no hesitation in recommending CWM in general but, in particular, to people who for whatever reason find themselves sitting on a new level of wealth – more than anybody, they need that instant financial ‘comfort blanket’ and, in our opinion, CWM are the company to do just that.”

Mr. S. E., York


Pensions

“Wealth Management have been providing me with advice re my pensions, savings, investments and tax planning for 2+ years and they have been extremely transparent in their advice, provided me with considered options and worked diligently with me to focus on a balanced approach to my investment and retirement plans. Specifically they have advised me across a number of areas, use of tax free savings i.e ISAs, tax planning vehicles such as Enterprise Schemes, inheritance tax management for my children, pension planning in terms of ideal pension revenue and the current government limits to pension funds. They have helped me consolidate my pensions where it is sensible and have a more flexible investment to suit my personal needs, levels of risk I am prepared to take and consideration for my family.Most importantly they have provided genuine independent advice, listen carefully to what I want to achieve and provide options, they have established a trusting relationship which we all see existing over many years and over this time the needs will change. There has never been any issues when I have changed my mind or deferred or declined any of their advice.”They have made the relationship convenient coming to our home when it best suits us. I would certainly recommend them to anyone that needs balanced, sensible and realistic advice from a team who know the market, monitor the markets, and the changing economic climate and tax rules.”

Mr. G. E., Lytham St Annes

******

“When we met the team at CWM it was like a breath of fresh air. It was immediately apparent that the level of advice and confidence in the people looking after our investments was something we had not experienced before. The diligence, information offered and the trust we gained were something we had not experienced from other financial dealings. We immediately signed up. Every quarter we meet with CWM and go through our investments where we get independent, well researched and simple, straight-forward advice.Since we invested with CWM our portfolio has grown exceedingly well and we are very happy with how it has gone. CWM has also taken over the management of the company pension scheme with excellent results. I have also referred CWM to my colleagues and will continue to do so in the future.We both feel ‘Part of the CWM family’. We cannot recommend their service highly enough in these few short words. Whoever invests with CWM will be extremely happy with the whole experience.Many thanks for all your help, support and friendship we have received since our relationship began.”

Mr and Mrs D. R., Chorley


Accountants

“Steven and his fellow Directors at Chartered Wealth Management have achieved a tremendous amount since setting up their business. I have no doubt that their business will flourish as a result of the fact that they are extremely knowledgeable individuals with very high standards, providing a very personalised service to their clients. I would not hesitate to recommend them to my clients and contacts”.

Partner, Saffery Champness Chartered Accountants

 ******

“Having worked as an accountant in the private sector for over 30 years and latterly as finance director of a large retail business, I had developed a somewhat jaundiced view of the financial advisers I had met over the years. Often tied to specific banks and institutions and guilty of a one size fits all approach, I had largely tarred all financial advisers with the same brush and decided that I was more than capable of looking after my own financial affairs.Then was introduced to David Spencer of Chartered Wealth Management. I was immediately impressed by his personable nature, enthusiasm and professional approach; he struck me as being refreshingly different to what I had experienced previously. Sure, our early conversations were inevitably shaped by the inevitable governance and compliance regime but unlike other advisors I had met before, it was apparent that here was someone who was not simply going through the motions – here was someone who valued me as a client and genuinely wanted to exceed my expectations. David invested considerable time and effort at our initial meetings to get to know me as an individual and to develop a clear understanding and appreciation of my financial needs and goals. He quickly produced a robust assessment of my financial position and aspirations culminating with a well devised and documented investment strategy that was bespoke to my situation.Over the last 4 years, as a result of the advice received, I have enjoyed financial returns in line with my requirements and expectations and continue to be impressed by the consistently high levels of customer service and commitment that David and the team at Chartered Wealth Management deliver.”

Mr. J. J. FCCA (Retired), Liverpool


Solicitors

“We would have no hesitation in recommending Chartered Wealth Management to any client. They are enthusiastic, knowledgeable and very approachable. Chartered Wealth Management are capable of putting any potential investor, from the young and anxious, to the older and more experienced at their ease. They offer an all round service and really do go that extra mile for their clients. Their fees are also straightforward and transparent. Our clients/Administrators speak very highly of them.”

 

 ******

“Chartered Wealth Management became SIFA Professional members in the spring of 2013. SIFA Professional firms are listed on the SIFA Directory of Professional Financial Advisors. This is endorsed by Law Society of England & Wales and all firms featured are considered suitable for third party referral. The firms which are listed in the SIFA Directory are free from the influence of third parties and specialise in professional connections. As such SIFA only accept firms who are genuinely fee based and have advisers highly qualified in the areas of financial planning relevant to working with solicitors.When I met with the Directors of Chartered Wealth, I was struck by their professionalism and their ambition to be the absolute best that they could be in the eyes of their clients and their professional introducers.”

David Seager, SIFA Limited


Meet The team

“The initial meetings with CWM very quickly convinced me that their individual and team honesty, integrity, trust and service at a client level were an excellent fit with my personal values and my expectations. I understand that completely ‘independent advice‘ is very difficult to achieve but I continue to believe that CWM strive to provide client specific advice and options that best suits their practical and financial needs but that are economically sensible.”

Mr. R.C., Oldham