Totum Financial Planning - Prescot

Lindsay C.

I first reached out to Joe to help me with my pension options after I moved from being a sole trader to a Ltd company. Joe and Gemma have been really helpful and approachable and have now helped me and my husband to plan our future finances and our retirement too. Joe is extremely knowledgeable, helpful and responsive and explains everything really clearly so I am very happy to put my trust in him.

Julian H.

Joe helped me with my finances after selling my house. He was extremely helpful explaining what my options were and helped setup my investments and savings so I could make the most of everything.

Toby W.

Joe and Gemma's efforts to secure my mortgage were outstanding, having had concerns originally over being self employed and only having one years books Joe had guided me to be in the best position possible through his financial planning, both Joe and Gemma worked tirelessly with rapid responses to any queries.

Can't recommend Totum FP enough.

Steve D.

Been using Joe at Totum Financial Planning for over 2yrs and I can honestly say there is no one better. Super knowledgeable about all aspects of Financial matters easy to talk to and always reliable

billie R.

About a year ago I got in contact with Totum Financial Planning to understand what services they offered. A year or so later, Joe from Totum Financial Planning reached out and offered a free financial review. It was very helpful and considerate to think of me a year later. Really appreicated the advice and recommendations Joe shared with me. The reassurance gave me peace of mind and I will take on board the advice Joe gave me. Thanks Joe 🙂

Craig D.

I was looking for advice on how best to invest a 'one off' lump sum bonus into my pension pot. After reaching out to IFA's, Joe from Totum Financial Planning contacted me, listened and outlined how he could help me. We set up a couple of calls and Joe explained the best course of action i.e. to invest my money into my AVC as opposed to my defined pension scheme. Joe's advice was clear and concise and it became very evident that he was someone who was keen to provide the best service and guidance he could to his clients. On listening to my personal circumstances, Joe outlined the that in addition to pension advice, his company could also provide a very competitive financial planning package, if that was of benefit to myself. As I listened, it became very evident that Joe had the experience and knowledge of the market to be able to help me make my money work and optimise for future benefit. After a few more calls, Joe was able to assess my appetite for risk, analyse my existing investments and review my expenditure. Joe then produced a comprehensive personal financial plan, which has completely changed how I see my financial future. Amazingly, I can now, with the guidance of Joe, look to potentially retire a good five years before I ever anticipated I could! If you are unsure about your finances and need helpful, friendly and unambiguous guidance, I wouldn't hesitate in recommending the support of Joe and Gemma at Totum Financial Planning.

Ian C.

Joe was very helpful and took me through the process of reviewing my current pension, looking at oppurtunities to improve my investment and transferring my funds to a new scheme. Everything was explained and easy to understand, with no pressure to do anything. I would recommend Totum Financial Planning to my friends and family.

Nicola W.

After having previous dealings with a financial advisor who left me more confused than when I started I decided to give it another go and booked an appointment with Joe. During that initial appointment with Joe he explained everything thoroughly and to my level of financial knowledge. Joe answered all my questions and had a friendly approach. I do find the financial side of things quite overwhelming, but Joe guided me through the advice he was giving me and gave solid financial advice. Joe clearly has an exceptional financial knowledge and was very clear in his explanations. The way that Joe approached the meeting absolutely sold it for me and I signed up there and then. I was exceptionally impressed with the quickness of documentation being sent out to me and how smoothly everything was dealt with. It was really convenient having the meeting on teams due to my time restraints. I would highly recommend Joe and the financial service he provides as it is far superior than other financial organisations I have dealt with. I trust Joe's advice and I know that he has my best interest in all the decisions and advice he is giving me. Again I would highly recommend Joe.