I trust this message find you and your family well.
I have taken comfort from reading your regular insightful reports. John Hayward also keeps in touch and I very much appreciate the work you and your team are doing. I realise that valuations are down and dividend may not recover for a while. However, it is reassuring that the losses are being mitigated by your actions. So many thanks, keep up the good work and most importantly, stay safe!
AK, Costa Blanca
I have had very positive interactions with Mr.Horsfall in the past and thought I would pass on my experience.
During a lifetime of owning and running two diverse companies, I have been used to frequent discourse with bankers, lawyers, accountants and financial advisors at a high level.
I am not known to give recommendations or testimonials gratuitously. However I have no hesitation in listing below some of Mr Gareth Horsfall’ s commendable qualities.
For the sake of brevity, I list my experience, during the past 7+ years :-
(1) A serious professional who has demonstrated openess, honesty, and patience.
(2) A much valued quality of availability and an ability to focus expediently on clients’ individual requirements.
(3) A hard worker and very good listener, who assimulates and resolves concerns in a systematic, professional and personable manner.
Apologies to all, if this sounds like a school report, but I am 100% satisfied.
Mr P.I.H, Italy
Charles was recommended to me a few years ago when my husband died and I needed advice on how to make my savings grow. Charles was brilliant ,he came to my apartment & we discussed various options. I was very pleased with his advice & invested my savings with his firm. My fund has performed well over the years & Charles still helps me with advice, only recently recommending I change part of my fund to a better performing one. He is professional, business-like but very easy to talk to about your money. I thoroughly recommend him to anyone, be it a small investor like myself or one with a larger pot.
S. Greenhalgh, Torrox Costa, Spain
I have known Katriona for several years since the time when she was a Personal Tax Adviser. When she became a Financial Adviser we stayed in touch and she came to visit me. Katriona is always happy to answer any questions I may have in a prompt manner. I asked her for advice as to what area I should invest a sum of money and I was given various options without any pressure.
Ruth B, France
For the last 6 years The Spectrum IFA Group representative John Hayward has managed our investments efficiently giving us a low risk portfolio of 3-4% growth which is compliant with Spanish tax law, and to our wishes. He is honest, trustworthy and keeps abreast of the world financial situation and his personal service to us in financial matters is second to none.
P. & V., Costa Blanca, Spain
I first contacted Alan must be close to 30 years ago, I heard about him from a colleague in The Hague. My need was to search out a mortgage for my recently divorced daughter, he arranged it in no time, making my local Dutch and long term British Bank contacts look somewhat incompetent. From then on, as they say, the rest became history. Alan managed our investments, which were increased by a rather large inheritance. We never had reason to complain about the results, he actually sold funds before markets fell away to protect our portfolio. He knows his business well, so we have benefited from a long and always aggreable experience. I am glad my old colleague passed on Alan’s card.
David Dale, European Space Agency Director (Ret), France
We were told about Graham be a friend and we found him very charming, very professional and thorough. We can only say that we have been delighted with his advice and the work that he has carried out for us and the professional manner in which this was done. We have absolutely no doubt that we are in safe hands and cannot recommend him highly enough.
, Brittany, France
Alan has always listened to our needs rather than pushing products at us, unlike many advisors he has always presented clear competitively priced options in a simple and straightforward way.
Graham Ashton, Lyon, France
We have known Alan for just over a year now, since he advised us to move the British Investments that we have had for some time to Investments that are more tax-efficient in France. We are cautious with our money and have always tended to use do-it-yourself methods for managing our finances. We were therefore not entirely sure about placing ourselves in someone alse’s hands. However, we have absolutely no regrets about using Alan’s services. He explained everything very clearly to us and never pressurised us. He is very friendly and helpful and also super-efficient – the response to an e-mail always arrives within hours. He is happy to travel up to our house in the mountains and this face-to-face contact has made working with Alan a great pleasure.
Chris & Diana Mulcahy, France
My wife and I have been working with Alan Watson of Spectrum IFA Group for a couple of years now. He provides us with financial planning advice and manages some of our investments here in France. We like the fact that Alan is local and therefore is able to travel and we usually are able to meet face to face. He is always quick to respond, and actively keeps us informed on relevant financial information. Alan has many years of experience, and good knowledge of both UK and French financial markets which has helped clarify and simplify things for us. He is a pleasure to work with.
Nick Saw, Chamonix, France
Throughout our discussions your service and attention to detail have been exemplary. The investment options were all very clearly explained and at no point did I feel pressured to make any decision. I have no hesitation in recommending you to anyone considering their investments and financial future.
Jonathan Goodman has always been a reliable and totally trustworthy advisor to me. He has always understood my own specific requirements and offered me the best options to fullfill them. He recognises my personal obtuseness, financially speaking, and patiently and charmingly explains the possibilities to me. It is simply a pleasure to meet with him and know that he has my best interests at heart.
Thank you very much and pardon the late reply. I’m setting camp in Abu Dhabi and haven’t yet got an Internet connection. It’s all great news. You’ve done an outstanding job and I thank you. I’m looking forward to a meeting with you, so we can discuss this and future investments. I’ll be coming to the island by mid December, I hope. I’ll let you know. Thanks for keeping me posted. It’s wonderful to deal with good professionals like you.
My Spectrum adviser has advised me on many aspects of financial planning, from life insurance through to seeking finance for a business project. At all times he has been thorough, made decisions in my best interests and in tune with my requirements.
I have known this Spectrum IFA Group adviser for 8 years. She is with out doubt the most dedicated, conscientious and knowledgeable financial adviser I have ever met. She applies the same dedication to both small and large investment clients and is a credit to her company and profession.
Whilst at HSBC I presented client seminars with Spectrum advisers in Barcelona. It is clear that they have an excellent relationship with their clients due to their attentive and professional nature. The Barcelona Team has proved to be great ambassador for the Spectrum Group.