“After receiving an inheritance in 2008, I felt I needed help to ensure the capital could secure my own future and ideally provide a legacy for my children. Ken has helped implement a plan to enable me to use the income from the capital in retirement and hopefully maintain some capital growth.

The plan Ken implemented blended my existing investment and pension assets with the additional capital. He simplified my financial situation so it’s much easier to understand. My expected retirement is now much more positive than it would otherwise have been.

I’m confident Ken will continue to steer me in the right direction during these current uncertain times.”

“Ken Simmonds of Moneo has provided us with financial planning advice for nearly 20 years. We’ve always been happy with the advice and the excellent service we receive.

In these times of complicated personal finance we find that Moneo is indispensable. We ran our own small business for many years and we’re now happily retired. Moneo is always up to date with the latest developments, helping us to make the most suitable financial decisions to achieve our financial objectives.

We regard Moneo’s advice as insurance against us taking financial options that could be unsuitable for us.”

“I started working with Ken and Moneo in 2003. I had various financial assets but no clear vision or strategy for retirement.

Ken provided clarity on what I needed to do to achieve my key financial goals. Central to the process are ‘cash flow projections’ that illustrate the progress I’ve made. As my circumstances have changed, my financial plan has been amended accordingly, keeping me on track.

Working with Moneo gives me clarity over where I’m headed and confidence I’ll achieve my key financial goals. It gives me the peace of mind to know I could retire early and knowing my wife would retain her financial independence if I die before her. Moneo does the majority of the financial administration so I can concentrate on the things I enjoy.”

“We were introduced to Ken in 2013 by our accountant when we were considering how best to finance the cost of purchasing and refurbishing a new home as well as planning for our retirement.

We have no regrets – not only did Ken help us to make the best use of our financial resources in the most tax-efficient way, he helped us to decide how to optimise our remaining resources and keep Inheritance Tax to a minimum by preparing a long-term financial plan. We’re cautious investors and to date his advice has proven to be very effective. His continuing hands-on and personable approach to dealing with our financial interests is much appreciated.”

“Having relocated from London to Bristol we were looking for a financial adviser who could help us plan for our future. As busy professionals we didn’t have the time or expertise to do it alone.

We were entering a new chapter in our lives – changing city, new jobs and starting a family. We wanted to grow our capital but not take too much risk. In London we’d used an adviser who added very little, so were wary of the profession. Working with Ken since 2005 has been fantastic.

We’ve consistently seen growth on our investment and pension assets with a clear vision for our future. Ken clarifies queries and keeps up to date with our changing circumstances and objectives. We’ve recommended Ken to a number of friends and family and have no hesitation in doing so again.”

“We started working with Moneo in 2005 when retirement seemed a long way off. Ken encouraged us to look at long-term planning and address some difficult questions – what kind of retirement, when, and what would it cost?

Ken’s expert advice, cash flow projections and guidance have helped us to make smart, informed decisions. We’ve been retired for a few years now and have a higher income than we originally planned, which gives us peace of mind. We’ve been able to financially support our daughters when they needed it most and we’ve already enjoyed some great adventures in retirement.

Thanks for a great, professional service. Our decisions have been carefully thought through with help and advice from Moneo.”

“We wanted a highly qualified adviser who could clearly explain their recommendations, had our best interests at heart and someone we could talk to and have confidence in. Ken Simmons has all these attributes. He has a good understanding of our financial situation and needs, takes account of our views on risk, respects our investment preferences and makes sure we’re fully informed.

Since we started working with Moneo in 2010 we’ve transitioned into retirement. We’ve seen excellent growth on our assets and now receive a healthy and sustainable retirement income. We appreciate the proactive advice and calming words during periods of political or financial instability, ensuring we don’t make any bad financial decisions.”

“We’ve been Moneo clients since 2009, having searched for a highly qualified, trusted local IFA. At this time we were managing our own investments but it became clear we needed professional advice.

With Moneo’s guidance our portfolio has achieved steady and consistent growth. At our annual planning meetings, we discuss how our financial plan has progressed and we’re encouraged to look at the bigger picture by considering our current lifestyles as well as our future plans.

Not only does this give us a sense of achievement, it reassures us that we’re heading in the right direction. Based on our experience, we’d recommend Moneo to anyone seeking independent financial planning advice.”

“Early on in my career I knew I wanted to be financially sound when I reached retirement – not just for the benefit of myself but also my family. I wanted a financial adviser who was personable, could cut through the jargon and deliver results against my financial wealth goals.

That’s when I found Moneo and Ken Simmonds. Ken has been involved in my financial and life journey for over 17 years now. I’m pleased to say my financial goals continue to be met in line with my risk appetite and expectations. I now count Ken as not only my financial adviser but also a valued friend.”

“We were finding it hard to manage the various plans and funds we’d accumulated over the years and realised we needed to work with an expert. Ken has been our advisor since 2009 and working with Moneo allows us to concentrate on what’s important, confident that our money is invested wisely.

We’ve always received extremely responsive financial advice tailored to our current and future needs and ethical investment beliefs. Ken has also provided advice when our circumstances have changed (receipt of inheritance, redundancy, funding university fees, buying a holiday home).

Ken keeps us regularly updated on how our financial plan is progressing. We meet at least annually and our money has grown despite the ups and downs of stock markets. This has given us the confidence to plan ahead, live our lives and occasionally take some risks.”

“Ken Simmonds at Moneo was recommended by my accountant in 2003. I’d been using another financial services firm but found it difficult to justify their fees.

I’m a semi-retired entrepreneur with a portfolio of pension and investment assets. I have grown up children and two teenage daughters. My goals are to create sufficient income to sustain my lifestyle, build a secure and worry-free future for my partner and mitigate the burden of inheritance tax.

I could try to achieve this myself, but with uncertain market conditions and changing legislation there are so many pitfalls. The financial plan Ken has implemented has been very helpful.

We meet Ken twice a year to review our plan and make any required amendments. We can call him at any other time to discuss issues as they arise.”

“I’ve always been interested in shares and investments and used to manage my own investment and retirement planning. However, with a young family and a growing business I didn’t have enough time to do everything myself.

We started working with Ken Simmonds of Moneo in 2007. While some financial advisers seem preoccupied with commission Ken is honest, transparent and capable. He’s taken the time to understand our goals, objectives and investment preferences and I feel that I get genuinely personalised advice tailored to my needs and wishes.

I trust Ken’s advice and feel unburdened from the old nagging feelings that I should be spending more time planning our family’s financial future.”

“My wife and I have known Ken Simmonds as a good friend for over 30 years. Ken has always been astute and prudent with his own finances, so 15 years ago when we were in a position to invest some money, we had no hesitation in asking him for some advice.

Ken is professional, friendly and mindful of the important things in life, such as health and family. While he helps plan our finances and invest our money wisely, he also encourages us to spend our money and live our lives. Ken’s cash flow projections give us the confidence to enjoy our lives and not worry about running out of money.

We meet up on a regular basis and he’s always our first point of contact for any type of financial advice. We had no hesitation in recommending Ken to our friends and family. Many have also become clients and are extremely happy with his advice.”