Professor Sarah O’Brien | Chief Nursing Officer, NHS & Martin O’Brien | Chartered Management Accountant/Finance Director

Experiencing Gemma’s Cashflow Planning Service and receiving our subsequent report was very valuable. It enabled us to make decisions about investment now that will ensure we have an adequate income to meet our planned future lifestyle.

I also commissioned an NHS Pension Report which was excellent. It really helped me understand how to navigate the Scheme and address some of the tax complexities (Annual and Lifetime Allowance charges). Gemma’s ongoing advice will be invaluable.

We would definitely recommend Gemma. She is very personable and professional. She was patient with our numerous questions; we never felt it was too much trouble to go back with questions and Gemma was always very quick to respond, making things easy to understand.

Discover more feedback


Laura Tracey | Partner, Freeths LLP

Gemma carried out a joint review for me and my fiancé; she made a number of recommendations tailored to our own unique circumstances and has really put our mind at rest. Gemma is responsive, honest and professional but at the same time, incredibly personable and...

read more

Howard and Alison | Private Clients

The Visual Lifestyle Cashflow Plan did a great job of illustrating the potential of our pension pots. The meeting with John, Gemma’s Cashflow Manager, demonstrated to us that options we only considered as possibilities, are all now achievable and on top of that we can...

read more

Mike and Louisa Swift | NHS Pension Service

The initial discussion with Gemma was very helpful and informative and provided a baseline on information to allow us to decide what further information we wanted to receive. We opted for four reports covering potential retirement at various ages and depending on...

read more