My partner and I received financial advice from Phil Cain and Simon Millward of Mercia Financial Planning when we were trying to find 2 mortgages; one for a listed property and one Buy to Let. We both run our own businesses so there were additional challenges regarding employment status. This added up to a very difficult set of circumstances. Phil and Simon worked tirelessly to secure us two mortgages – both at top market competitive rates – and got us a fantastic deal. They were both enormously supportive throughout what can be a stressful process, inventive and innovative in structuring our offer and came back to us immediately when we had queries. We cannot recommend them highly enough and have already shared their details with all of our contacts as the best advisers that we have ever worked with. We will be using them for all of our pensions, investments and property portfolio advice in the future.
– Beth Evans
We have found Mark very friendly and approachable. He explains clearly and is patient with queries. He has taken time to consider carefully the best products for our circumstances and has always given us time to think. I have never felt pressured into making a decision. To date I have been pleased with the performance of the products he has recommended. Knowing that I can readily ask him about any financial queries, has taken a weight off my mind. Thank you Mark.
– Anne & Mark Farmer
I’m so happy with the way Caroline has helped me to face a daunting and fairly complex process of current preparation for retirement. Her diligence, on going support has helped me sort out my finances in a logical easy to understand and confident way. She left no stone unturned. Her manner & trustworthiness is second to none. She put me at ease straight away as I rarely part with my financial information. It takes a lot of reassurance to convince me but Caroline has been very thorough and made sure that I understood completely at all stages what I was dealing with. A huge thank you and a big weight lifted from my shoulders. I can’t thank her enough.
– Ann Moyes
I was unhappy with my previous advisors and wanted to find someone who offered a better service. In every which way Mercia could. Mark in particularly was extremely attentive. I’ve been involved in property investing for over a decade and due to how my income is structured over ltd companies and personal investment income, my mortgage cases are never straight forward. My cases require an extremely high level of knowledge and expertese to place them successfully. Despite challenges and an array of obstacles Mark and the team made a success of my applications. Their commitment levels never faded and they pursued each case until the outcome was positive. They have my full praise and I won’t be going anywhere else in the foreseeable future. 100% yes and I’m very happy.
– Dave Ramadhin
We are retired and needed advice on various aspects of our pensions, savings and investments. Caroline was able to give us detailed advice and answered all our questions in a professional way. She could not have done anything better.
I had various pension pots with different providers and no idea what do with them, I engaged Simon to help me understand the options. I also needed advice about long term planning for retirement and what I should be doing in order to fulfill my retirement plans. Simon was simply fantastic, he got in touch quickly and organised a face to face meeting to review my pension plans and discuss realistic long term plans for retirement. The advice given was friendly, thorough and I feel confident I’m on the right path regarding my pension and retirement plans. Simon did an amazing job in walking me through the options and making sure everything was understood. My pension pots are now in order and I’m confident that I’m working towards my retirement plans.
– Kevin Ingrey
Phil clearly gives us all the options available and guides us to the most beneficial route for our circumstances.
We have needed financial advice both personally and commercially over many years with pensions, investments and property purchases. Phil has been a great help for many years now & I recommend him to all of my friends & family.
– Vicki Derry Director of MJ Systems
Mark was brilliant, he was always on hand to assist with all the challenges we threw at him, even when he was on annual leave he didn’t leave us stranded and followed anything up we asked him to. With two small children Mark coming to us was a massive benefit and always involved the children in the conversation a real people person.
Can’t recommend Mark or Mercia highly enough.
Thanks once again Mark we really appreciate all your hard work.
– Nathan & Gemma Somerville
I was approaching the age of 55 and as I have a number of pension options, I needed open and honest advice. Caroline understood exactly what was required in my circumstances and worked very efficiently in deciding the best way forward and then implemented it.
– Carl Skidmore
I approached Simon for advice on my pension and savings. Simon at all times presented the options in a professional and personable way. SImon’s real strength is communcating effectively and coherently ensuring I always feel the information given to me is relevant and always in my best interests. I was more than happy with the outcome and feel in a significantly better place financially which I have no doubt is down to Simon’s extensive knowledge and real sense of purpose in caring for his clients. It’s not often you encounter an individual that delivers this kind of service and I have absolutely no hesitation in recommending his services. I honestly cannot think in anyway how the process could be improved – I will 100% be in contact when I require advice in the future.
– Christopher Thompson
I required reliable honest and competent advice for my financial planning & Phil provided this. It was positive, constructive and factual advice which has proved to be sound. I am satisfied with the advice, always I get a return call, communications are very important. The latest financial comment is valuable and a personal interpretation is so very important.
– David Bradnock MBE DL JP FBHI
Having worked with Mark for some years now, I know that I am dealing with someone reliable and trustworthy that knows my finances as well as I do. The recommendations and advice is given from a very well informed vantage point.
– Aden Cole Director of CirquIT
Caroline undertook a complete review of our situation and our objectives and gave us advice on our pensions moving forwards; she explained everything very clearly, was very patient and answered our queries regarding the recommendations she had given us.
If you are looking for a good financial advisor… look no further! I have known Phil Cain for a number of years and have recommended many clients to him over the years. He has a great work ethic and takes immense pride in providing correct financial advice and ongoing support.
– Kashmir Cole – Accountant
Caroline found the correct Pension Scheme for the Company helped with all the set-up I didn’t have to do anything. She understood our requirements and put everything in place that need to be done within the time scale give. Caroline is only ever a call or email away if there is anything we are not sure about. She would go through the Pension website and explain where I had gone wrong or what I needed to be doing. Caroline was brilliant helped to explain everything and spoke to the staff if they had any questions regarding the Pension I couldn’t ask for anything more, a pleasure to deal with.
When I finished work, I had a large sum of money to invest. We also knew that my husband would be retiring in a few years time and would require help to secure the best pension deal. From discussion Phil analysed our future needs from investments and tailored a package to suit them. When my husband approached retirement he sourced the best deal taking into to account his health. I would definitely recommend Phil. Our investments have grown steadily and although there has been great turmoil in the financial markets over several years, we have still seen growth. We are very happy with Phil. He was always willing to listen to our comments and reacted constructively.
– Sheila Beilby
I was referred to Mark for auto enrolment, but it quickly escalated to re-mortgage and life insurance. Our re-mortgage was a lot more complicated than we first anticipated. Mark did not give up and even though it took quite a few months he has found us a fantastic deal with a really good and reputable provider. He kept us up to date with everything by phone and email and was always around to answer any questions we had. He is currently finalising our auto enrolment for our company and again, he is professional and most of all a really great guy. Yes. If we’d have gone it alone, we would still be on an interest only mortgage paying over the odds, we are now fully repayment and we save £200 a month, that’s a lot of money!The auto enrolment has been an easy process for us as Mark has done all of the hard work, including speaking to each staff member individually and helping them to sort out their own finances. He has made something quite scary into a very easy, painless and quick process.
– Rececca Jones (Wunderbars Limited)
Simon gave an honest and step by step description of the advice process – very good.I am of the opinion Simon covered all bases, I felt the process was seemless, well explained (to a myself a non-financial person) and conducted transparently and honestly. Having spoken with a few others in the same position as Simon I didn’t get the feeling they were being completely honest, especially when questioned on certain points.
– James West
Caroline listened when I told her of previous complications with getting the correct insurance package for myself. She took the information on board and guided me seamlessly to the correct insurers and package so there we no more complications. Caroline’s advice was invaluable. She advised me on who to approach and what product to apply for so the process was quick and painless. Without her advice I would not have been able to find the correct insurance.
We have had excellent advice regarding mortgages for our two properties and our three children. By arranging sound investment plans for three generations of our family. Phil has exceeding our expectations and have been able to retire earlier than expected because of the results that Phil has achieved. Phil is a busy man and in great demand, but he has responded to our requests in a timely manner and I don’t think he could have responded any quicker than he has done on numerous occasions.
– Rob Matthews