All of our testimonials have been formally approved by our clients for compliance purposes before publishing.

Kind words

“The vast majority of my clients arrive via referral. It’s the best form of praise you can receive for the service you provide, in a role that you love.”

Gemma Darcy
Director & Chartered Financial Planner

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...

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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...

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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...

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Gemma Salmon | Private Client

We first met with Gemma at our home pre-Covid for an informal chat. I’d never discussed my finances with anyone, but she quickly made me feel comfortable and I felt supported through our following meetings and decisions. I lost my dad unexpectedly, which is one of the...

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Dr Catrin Barwick | Radiologist

Gemma has been my financial adviser for four years and always been very approachable, friendly and easy to talk to. Although I believe I’m financially savvy, all the recent changes to the NHS pension scheme means it’s been great to have an expert on hand to offer any...

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Jonni Musgrave | Private Client

To be honest I was terrified to seek advice initially as anything to do with finance can be really daunting. But Gemma was great. She was super clear and made a complicated situation fully understandable. She’s especially good during the current economic situation...

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Kiki | Partner GP & Business Owner

We really appreciate the continuing advice Gemma gives us. It means we have a real sense of financial security. It’s so important to take advice to ensure you have the right protection for your personal needs.

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Shaun Donnelly | Private Client

I asked Gemma for help to resolve a pension issue I was facing. She took the time to understand the problem, clearly explaining the paperwork that she needed and answering all my questions patiently and with consideration. Gemma not only resolved the issue, she also...

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Jon Overton | Private Client

I’d been looking for a financial adviser to help me with my pensions for a long time. The fact that Gemma’s business Facebook depicted her as being very human and approachable was appealing and her website biography felt unique, personalised – that there was a real...

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Mark Wilson | Head of Service UK & Ireland, GE Vernona

I initially approached Gemma as I was looking for help with cashflow planning, along with advice and guidance as to when I could hope to retire. I was immediately put at ease, as she explored what it was I wanted to achieve, explaining what she could, and couldn’t do....

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Sally-Anne Williamson | Reputation Management Consultant

Thanks to Gemma’s excellent financial knowledge – especially relating to tax – and by utilising her Cashflow Planning Service, I discovered I was able to retire four years early. Her expertise and friendly, sound advice meant I maximised my tax efficient saving...

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Dr Janet McDonagh | Medical Doctor, Whaley Bridge

I am one of those medical doctors who can cope with medical complexity but not financial complexity. Gemma has been very patient with me, while all the time ensuring I fully understand the advice she has given me on the ever changing and confusing NHS pension scheme...

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Leasa Doran | Broadcast Trading Executive, Manchester

I would recommend Gemma; she has been a pleasure to deal with. She immediately understood my financial priorities, has consolidated my investments and I have already benefited from her services by receiving 20% tax relief. She understands my financial goals and has...

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