T & J Richardson - Private Clients
"I just wanted to write to you to say 'Thank You' for the excellent service you gave to both my husband and I regarding our pensions. We are both in our 50s and wanted to make sure at this crucial time in our working lives that we took independent financial advice before making any decisions regarding changing or adding to our existing pensions. Your depth of knowledge on the subject, coupled with the amount of options available to us certainly provided ‘food for thought’. There was no pressure to do anything or change anything we were simply given the information we asked for and left to decide. Thank you again."
P & B Weetman - Private Clients
"We needed some pension and investment advice so made contact with Argent Wealth Ltd. David Hardman, the Advisor, visited us on a number of occasions to collect information, find out a little about us, our plans and aims for the future. He was friendly, professional and honest. His explanations were clear, concise, easy to understand and there was no hard sell. Products were only recommended when he was sure that we were comfortable and happy with the advice offered. Our relationship is ongoing, he keeps in regular contact and we feel that we can call on him anytime for further advice!"
B Mason - Private Client
"I have been dealing with David Hardman for my transfer of a former pension to another provider. In all matters any questions or concerns have been courteously attended to. I have been looked after very well and my business has been timed exactly. I would be happy to recommend David to any future clients."
I Paley - Private Client
"Recently I took the decision to review my financial situation surrounding my current and archived pension plans. What looked a daunting and scary prospect was made so much easier following a chat with David Hardman at Argent Wealth Ltd. David’s services were recommended to me by a former colleague and following an initial meeting we agreed a way forward that suited me to carry out my pension review. David quickly recognises that we all have different character traits and in turn knowledge of the pension minefield, therefore he explained all the steps and possibilities in a simplistic way making me feel more at ease. In addition and very importantly I never at any stage of the process felt pressurised into making impetuous decisions and every step was given the appropriate time-frame in order to fully reflect prior to moving on. In summary my eventual decision was to consolidate my different pension plans into one pot and ensure that I had the correct flexibility and security options regarding the distribution of funds that suited my own situation. From my own perspective the objective was only achieved with the excellent support I received from Argent Wealth who operated in a way that displayed an extremely calm, methodical and professional approach.”
A Jones - Private Client
"I recently discussed with work colleagues about financial advice on pension options following closure of our company’s final salary scheme. My colleagues highly recommended I arrange a consultation with a local independent financial adviser; Mr David Hardman, Director of Argent Wealth Ltd. Some of them had already met with David earlier for financial advice and complimented on the very good service he had provided. I made an appointment, met with David and discussed my pensions and investment options best suited for my personal financial profile. David explained everything in very simply laymen terms and made sure everything was clear and that I understood all terms and conditions before proceeding. I always felt comfortable and at ease with no pressure to do business. I decided to transfer my pension and take advice on other investment, everything went seamlessly and I am very confident I made the right choice asking David to advise and represent me and would have no hesitation recommending David to other friends and colleagues; although most of them have now already taken the opportunity to work with David, but for anyone else seeking financial advice I cannot recommend him highly enough."
T Moderate - Private Client
"My wife and I have been in our business since 1976, we were 28 and 27 years old with three children under 5years old. Although it was hard work ,within a few years the business was keeping us rather than the other way round. At that young age it's so easy to put off any thoughts of pensions or investments,and before we knew it we were approaching being 40 year olds. We decided to 'dip our toe in the water' with a large well known pension company, who we weren't happy with and transferred our small investment to our bank. But this felt remote and was also under performing. We began to look around and were fortunate to find John Hardman, who we found to be very helpful and was more interested in us and our needs than selling any financial products. John advised us until he retired, we were worried about losing his services but we had no need, as David Hardman (John's son) was introduced to us as John's replacement. Today we find that David is just as reassuring as his dad and we feel lucky to have David's confident approach to financial advice."
D Hardy - Private Client
"David provided clear and independent guidance throughout the transfer process. At no time did I feel pressured to either accept his advice or that I had limited options. I am fully satisfied with the service I have received and the product I have selected, with David’s help!"
D Newman - Private Client
"I first contacted David Hardman when i needed a financial advisor to help me transfer a pension pot to a scheme with another provider which was more suitable and gave me greater flexibility. David advised me in a relaxed and very professional manner and in a language i could understand, he made me feel at ease with such an important decision. Everything is sorted and set up now and i can't thank David and Argent Wealth enough, I will always be grateful. Thanks again!"
Dr S Tatarkova - Private Client
"I am very happy with my pension transfer. David helped me to complete the transfer - fast, efficient, reliable and trustworthy. I highly recommend David."
Mr K Smith - Private Client
"Now that the full transfer of my pension has been completed, I just wanted to thank you for the support and professionalism you have shown during the past few months in supporting and advising me on my recent pension plan transfer. From the outset of our initial meeting you have given me sound advice, which as explained during these meeting, have been very clear and more importantly very understandable as the world of pensions to me was a minefield. I have also passed my thanks to my colleagues, as without their recommendations about yourself I would not have had the chance to know what a professional and helpful person you are. Once again may I thank you personally for the support you have given me during the past few months and I’m sure moving forward the same professional and personnel attitude will be given."
Mr P Saxton - Corporate & Private Client
"David at Argent Wealth has been the IFA for both the business and me personally for more than 10 years and during that time his advice has been professional and timely. The financial markets during this period have been particularly turbulent and like most people we have enjoyed both success and failure. However, when investments have not performed David has remained resolute and has always been on hand to help, providing sound advice and an appropriate course of action. He continues to assist me personally managing my SIPP and I am happy to recommend his firm for anyone looking for an experienced and reliable IFA."
Mr & Mrs Corder - Private Clients
"David was instrumental in guiding my previous employer to set up their pension scheme. This involved approximately 30 employees, some with many years continuous service through a number of changes of ownership, others with less. The scheme had to take care of all the individual’s needs, which was quite a task. David had many discussions with each employee to ensure they were comfortable with the proposed schemes, and it took into account their financial aspirations. Recently, when my circumstances changed, I needed to consider our family financial plans and naturally turned to David for his advice. We discussed all aspects of our circumstances and David has guided us through the many options, which has enabled us to make informed decisions on managing the various existing pension funds and investments, some being transferred and another left in place for now. David is very good at explaining complicated financial matters in simple terms, which has certainly help with our decision making. I have no hesitation recommending David to manage your personal or corporate wealth and pension planning needs."
A Corbett - Private Client
"Following the closure of my Company Final Salary Pension Scheme, I required ‘independent’ financial advice. I sourced a few local companies and after a little research requested David Hardman, from Argent Wealth to come and talk to me about my pension options. He was really helpful and explained, in a very open and understanding way, how the process would work. We discussed how it would benefit me and I am confident that I made the right choice in choosing David to assist me both in the transfer of my pension and to continue to assist me in the future. David was upfront about his charges and explained what I would expect from my investment. The more I met with David the more at ease I felt with him and had no hesitation in recommending him to my friends/colleagues, who in turn have also taken the opportunity to work with him. I am hopeful that his advice and guidance will make a significant difference to my future and can’t recommend him highly enough."
I Reay - Private Client
"I am very happy to say that after initial research I found a reliable financial adviser that came recommended and that I felt I could trust, as it is sometimes concerning to relay personal financial issues to someone I have not met before. My pension enquiry was dealt with privately, trustingly and I quickly became relaxed as I knew this was being dealt with professionally. I was constantly kept up-to-date and informed every step of the way by David. I was even advised to stay where I was and use an option I wasn't aware of. Thanks to his assistance and professionalism I have made a choice I now know is the correct option. I will not hesitate to use David Hardman again."
D Waistell - Private Client
"I contacted Argent Wealth regarding moving my pension to another scheme with income release and a satisfactory investment plan. I was dealt with throughout by David Hardman in a pleasant efficient reassuring manner. Now transfer successfully completed and very satisfied with result. I would recommend the services of David Hardman/Argent Wealth."
P Mordey - Private Client
"Not knowing any financial advisers, it was with hesitation that I approached Argent Wealth for pension advice and support, however after meeting with David it didn’t take long for my anxieties to lapse. David’s approach was very calming and he explained everything I needed to know clearly and with empathy. Communication and advice that followed was again clear and consistent without me feeling under pressure to make quick decisions, to the point that the clarity of his knowledge and expertise lead me to reach my own decision for my future planning – with David’s endorsement. In summary, I found David to be very knowledgeable in his field, extremely helpful, honest, trustworthy with his advice and I would have no hesitation in recommending him in the future."
E Halton - Private Client
"I got David Hardman's details from the pensions advice website. He listened to my circumstances and carried out my wishes with regard to my pension. He has kept me well informed on how my transfer was proceeding and on the best place I could invest it to meet my needs. I am very pleased with the results so far and have no hesitation in recommending him."
Mr & Mrs Fairbairn - Private Client
"Having dealt with Argent Wealth over the last few years through John Hardman until his retirement, we would like to thank David for the excellent advice and service we have received regarding our recent Pension transfer and we hope to continue our business in future projects."
M Weeding - Private Client
"I have found David extremely helpful and conscientious in his work assisting me in planning my retirement. His advice has been clear and easy to understand and to date has stood me in good stead for pursuing my plans. I would recommend David and his company and did so with my own partner. As they say the highest praise is if you would recommend someone to family and friends."
J Best - Private Client
"As my pension age was approaching I'd managed to accumulate a number of pensions from various employment over the years and needed some advice on whether it would be more beneficial to consolidate the pensions or alternatively, leave them as they were. I found David's details after browsing the Internet and contacted him the following day. From the outset David was extremely helpful and after providing him with my pension providers details, he contacted them, consolidated all necessary information and provided me with detailed feedback, which explained all the pros and cons of each option. After considering all information I decided to leave my pensions as they were. David respected this decision and although he'd invested considerable time and effort in assisting me, he didn't charge me for his services. Professional, non biased, advice with exceptional attention to detail, if I ever require any financial advice in the future David Hardman will be the first person I contact. Thank you."
J Williams - Private Client
"I have dealt with both John and David for over six years and have found both very knowledgeable, helpful and friendly. We have had dealings with at least five financial advisers over the past twenty years and Argent are definitely the one we would recommend."
A Tully - Private Client
"Argent Wealth are providing me with an excellent service, their customer care is exemplary. Financial preparation for retirement can be a confusing and stressful time but David Hardman has been very supportive; meeting regularly to discuss and provide sufficient information to enable me to fully understand my options and make informed decisions about by future security. I highly recommend this company."
T Brown - Private Client
"I was introduced to David a few years ago as retirement loomed. In recent months he has provided an excellent level of professional support for me in what proved to be a very testing time. His advice has unquestionably put me on a solid financial footing going forward."
M Hawyes - Private Client
"I would like to thank you for the pension advice you have recently provided. I found the whole process very professional and also you communicated to me in laymen terms that I could understand. I was very concerned about my future pension position as the jargon and the amount of red tape there is involved with today's pensions is very confusing. My father who you advised many years ago, was very impressed by your help back then and suggested I contact you. I would not hesitate to recommend you to anyone requiring financial advice"
M Payne - Private Client
"I would like to say thank you very much for all your help and advice. I would recommend Argent Wealth to anyone who needs financial advice."
K Howard - Corporate and Private Client
" I have been dealing with David Hardman of Argent Wealth for five years now. He has been a great help both on a business and personal basis. I will just give a quick overview as to how David has helped me. Firstly on a business level - I work for a company and like millions of companies last year the government made it statutory to offer a Work Place Pension. I am sure like most people the prospect of setting up such a scheme was an incredibly daunting prospect, given that my knowledge of Pensions in general was next to nil. David came into my work place and interviewed every individual and set up the whole pension scheme taking all my worries and fears away, leaving me in the hands of an excellent pension provider who continues to help me with any queries. Secondly, on a personal basis his advice has been invaluable. I was struggling to understand my partner’s three frozen pensions. The policy documents were like reading a foreign language and we felt overwhelmed by the information provided. David’s advice and overview left us with the confidence and knowledge that we needed to go forward in the future. I am sure that I will require David’s advice for many years to come. I have always found David to be objective and honest with his help and advice and can recommend him highly."
M Jeffs - Private Client
"Although I used David for a defined benefit pension review and eventual transfer out, I wouldn’t hesitate to recommend him for any other type of financial advice. His knowledge and understanding are exceptional. He took the time to really understand our situation and what we wanted to achieve. His own recommendations were well researched and clearly explained. He was very quick and efficient and kept us fully informed at all times. We always felt he was working in our best interests and he provided total peace of mind. Having had dealings with two other IFA’s I can comment from personal experience and say that David is far and away the best IFA I have encountered."
L Donnelly - Private Client
"I joined a pension scheme put in place by David. He took the time to go through my options, taking my attitude to risk and affordability into account and explained everything very clearly, including how his firm are paid. The method he used meant that I have more contributions paid into my plan for the same cost as before, it is a great help to have someone who took the time necessary to go through everything so I understood exactly what I have, his attention to detail and efficiency is excellent and would highly recommend him".
P Marshall - Corporate Client
"I have known David for over 10 years in his capacity as an IFA. Over that period, the path of investment has not always run smoothly and whilst it is easy to take credit when times are good, it needs someone to stand by you, guide and help when they are not. David has done just that and continues to be someone of integrity who I trust with my financial planning. He has adapted to the change in industry and in recent years developed a new and very effective investment monitoring programme. I would have no hesitation in recommending his services."
E Blackbird - Corporate Client
"I had been paying into a SIPP for years not really being kept informed of where the money was being invested, how it was doing and what charges were being applied. After a full review from David, I am now in a much better place, active monitoring of my funds which has benefited me greatly over the last few years, as well as having a much more competitive pension with lower charges. Big thanks to David for adding such value to my planning. I would not hesitate to recommend him."
I Simpson - Corporate Client
"David has dealt with a number of friends and associates over the last five years and has always been regarded as providing input which has been of value. Although some clients have taken up recommendations, the time wasn't ideal for others. However, David has kept in touch on an agreed basis and never been one to push. He is someone who has a reputation for standing by his clients no matter what and this is evidenced by our experience. He always puts the client first and can always be reached whenever needed. We will continue to recommend him and his firm as he is someone you can rely on."
N Bassarab - Private Client
"I have known David Hardman since 2011. I originally contacted him to obtain pension information and advice. Following this I approached David to get advice in a particular aspect of Trusts and he put me in touch with a colleague who specialises in this field. More recently, probably since 2012 David and I have regular consultations regarding our broad investment portfolio. David has, without exception, been a valuable source of guidance in financial investment matters and we hold regular meetings to monitor progress, where he delivers the correct balance of technical analysis tempered with pragmatic advice."
H Emmerson - Private Client
"I had a particularly complex situation which needed the expertise of someone who could achieve what I wanted from the pension arrangements I had built up over the years. I was referred to David and I am delighted the introduction was made. I now have everything organised and he couldn't have been more helpful. I really appreciate the efforts he made on my behalf."
P Fairless, Director - Corporate Client
"Advice and implementation of a Group Personal Pension scheme. David has guided us through the whole process from start to finish and demonstrated great product knowledge."
J Redpath, Director - Corporate Client
"I found David Hardman to be available for advice at all times. He was not patronising in any way - just carefully explained the minefield of auto enrolment. He is the only person in the Financial Services sector, I have met, who truly has the customer requirements as his priority."
Julie, Durham, Financial Director - Corporate Client
"David has taken care of sourcing and setting up a new pension scheme for us in readiness for auto enrolment. We had a poor uptake in our previous scheme, but since working with David, the majority of our employees have already joined the pension scheme ahead of auto enrolment. Staff found David helpful and easy to understand."
Mr A Pugh - Private Client
"David Hardman of Argent was a big help to me and my wife. He discussed options and helped me make a decision based on what was best for us. David gave me plenty of advice and got me all the information I needed and asked for quickly, whilst keeping me up to date at all times. He was always available and helped me from the start to the end of the process and am very satisfied with the results. I would recommend Argent to anyone."
Mr P Storey - Corportate Client
"Further to our recent meetings I would like to extend my appreciation for the manner in which Argent Wealth has dealt with my pension fund. As we have discussed on many an occasions my financial future is almost entirely in your hands and I appreciate your honesty and professionalism. Trust is a word that is often mis-used or even lost in the cut and thrust of today’s business world and everyone’s somewhat cynical desire to protect themselves and trust no one, but I simply cannot do what you do. No doubt many others are in the same situation and it would be all too easy for the unscrupulous to take advantage of these circumstances. At no point have I felt nervous about this exposure, more the opposite in that I’m confident that my financial future and best interests have and continue to be taken care of properly. Thank you for your help."
Mr & Mrs Lynch - Private Clients
"Thank you for looking after Rosaria and myself in a fully professional manner. All the options were thoroughly explained in language that we understood. There was no pressure and when we decided which options to go for they were conducted swiftly keeping us informed of progress at all times. All in all an interesting and painless experience which gives me confidence for future dealings."
Mrs L Bell - Private Client
"I have been dealing with John Hardman and his company for roughly eight years and in that time he has provided me with some very good advice. He is always available on the phone and will happily answer any questions I may have. I continue to be satisfied with his advice."
Mrs S Willits - Corporate/Private Client
"Dear David, thank you for attending the meeting at our offices last week. As always you approach our financial dealings with depth and understanding and you advise us clearly and comprehensively. Thank you for all the research you do on our behalf to get us the right deals and keep our finances invested well, especially in these current times."
Mr & Mrs Compton - Private Clients
"Myself and my wife would like to thank you for the excellent service you have provided us with in the past few years. What we both like about the service you have provided, is the fact that we can both understand what we are investing in. The fact that you provided my wife's parents with an excellent service also means that we trust you to advise us in the same way. Again many thanks for what you have done for us, and long may it continue."
J Gilstin - Private/Corporate Client
"Just a few lines to express my appreciation of the way in which you have dealt with my interests since I engaged Argent; or more specifically David, to take over my pension fund. I have been very impressed with the service you have provided and in particular the way in which you have kept in regular contact to discuss my interests and my future investments. With past advisors I felt that I was simply paying into a bottomless pit with no contact from anyone to explain how funds and investments were progressing. The only way I ever found out was when I contacted them and asked for an update, this could sometimes take several weeks to arrange and then I often felt the information I was being given should have been provided much earlier without me having to go looking for it. I understand that in the present financial climate not all news will necessarily be good news but I think it’s always best to be kept informed and up to date on something as important as your financial future. Keep up the good work David and I hope we can have a long and prosperous relationship."
M McNally - Private/Corporate Client
"I have entrusted Argent Wealth Ltd to undertake the provision of my Self Invested Personal Pension (SIPP) which they do in an efficient and effective manner, together with planned annual reviews upon the overall performance of my investments, combined with both short and long term strategic planning for my eventual retirement. My individual day to day dealings are with David Hardman who regularly reviews my individual investments and frequently offers advice from time to time for investment changes in this ever changing economic climate. David never cold calls or chases other financial business, his contact with myself is always professional and investment specific to my SIPP. We meet regularly between the annual review dates, always by prior appointment and always focused, to the point and brief, never a chore. David will offer other financial advice, but always at my instigation and request. I believe Argent Wealth Ltd stand out from crowd and are definitely not just another pushy financial adviser."
Mr B Ginn - Private/Corporate Client
"I have dealt with David and Argent now for several years and in that time have consistently been impressed with the level of professionalism shown and the quality of service offered. At no point have I ever felt that I was 'being sold to'. David has always acted in the best interests of the client, giving objective, impartial advice. He is easily contactable, returns calls swiftly and reacts to any request in the most timely manner."
Mr & Mrs Morris - Private Clients
"Realising my investments required a professional assessment to avoid any further stagnation, David was recommended to me by a close family member. My investments were relatively modest, but still represented a lifetime of saving, so I was both looking and hoping for some expert advice. I was confident from the first few minutes of my initial meeting with David that I would indeed receive this. The three meetings we had spanned just over 6 months, which would have been shorter but for my working life taking me away from the UK for long periods. Contact was maintained via email and all papers were dealt with in a simple yet efficient manner. Feeling totally at ease thanks to David's personal approach, the impression that my investments were now being dealt with by the correct person was strengthened with each meeting. Taking onboard his advice my investments are now transferred and will hopefully perform to higher dynamic in the future. A family holiday did not prevent David from contacting me when an administration error was discovered, illustrating the professional and personal approach he adopts. In summary I would have no hesitation in recommending David and Argent Wealth to any perspective client."
Mr & Mrs Amis - Corporate Clients
"As I run four businesses and balance family life, time is of a premium. David reviewed my position to suit my changing needs and offered sound flexible advice that changed during our meetings to ‘fit’ my requirements going forward. Argent Wealth look at many different options and look long term rather than short terms gains – previous advisors have always wanted to sell me more products. David reviewed my current cover which is more than adequate. I have no hesitation in recommending David and Argent Wealth to anyone and have already done so."
Mr & Mrs Richardson - Private Clients
"Pat and I would like to thank you for all your help and guidance through the minefield of annuitiy planning. Although I had a good understanding of this area you were able to show us up-to-date ideas which resulted in a much better solution to our future plans. Thanks also for the way you conducted yourself and put us both at ease."
Mr & Mrs Jackman - Private Clients
"My husband and I first got in touch with Argent Wealth through the internet which is the norm now. From the first phone call it was evident that this would be the firm we would deal with. Instead of faceless people over the phone and internet we were offered home visits which were much more to our liking. These visits were at our convenience and often out of office hours due to my husband's work. The very best companies were sourced for us to compare products and advice from and John was on hand at every step of the way. We are very impressed with the company and were more than happy to put our future so to speak in their more than capable hands. They have found the very best pension deals for us and we are very grateful to them. It is not a case of finalising the funds and never hearing from them again, they are often in touch to see if they can help in any way."
Mr & Mrs Nichol - Private Clients
"I am happy to recommend Argent to any of your prospective clients. Your fast response to my initial enquiry was impressive. I was very happy with the way you explained the various options available to me and the fact that you are based close to my locality meant that I could meet you in person (a very important consideration for me). Your explanation of the details of annuities and keeping me informed of any rate changes, meant that I had a clear understanding of the way forward for myself and Pauline. You explained how you would be remunerated at the outset, emphasising the amount I would receive, so that there were no unexpected charges. All-in-all I am very satisfied with the outcome."
Mr Edes - Private Client
"After checking 'Martins Money Tips' I made a few inquiries re Annuity. I received a call from David Hardman, assuring me that if I went ahead with Argent there would be no cost to myself. I visited David Hardman at his office on two occasions and everything was sorted easily. I am now receiving an Annuity which is higher than any previously offered. This was a first class service and I would recommend Argent."
Michael Hodgson - Managing Director of Michael Hodgson Chartered Surveyors and Estate Agents
“Argent are experts in their field. They offer sound, specific advice tailored to each client’s exact requirements. They have provided an exceptional level of service and I would not hesitate to recommended them highly enough.”
David Anderson - Business Services Ltd
“David is a really great guy! He exemplifies the meaning of the words: trust; honesty; reliability; committed."
Matthew Platt - Principal - Financial Adviser, MLP Financial
“I have known the David and John for over 10 years and having assisted with a good number of their director clients, I know only too well the positive impact the advice has had on their financial security. They always go that extra mile to source the appropriate and often innovative solution.”
Alan Gowling - Director Business Banking, NatWest Bank
“David is extremely professional with a real focus on providing innovatve solutions to clients and adding value. A pleasure to work with and I am looking forward to developing our working relationship further. No hesitation in recommending David's fresh approach to financial and business solutions.”
Paul Evans - Managing Director of Brooklands Trustees Ltd
“David is a very experienced adviser who has dealt with a number of complex investment and technical pension cases mainly for business owners and high net worth clients. David maintains an excellent level of service for his clients making him easy to recommend.”
"I just wanted to write to you to say 'Thank You' for the excellent service you gave to both my husband and I regarding our pensions. We are both in our 50s and wanted to make sure at this crucial time in our working lives that we took independent financial advice before making any decisions regarding changing or adding to our existing pensions. Your depth of knowledge on the subject, coupled with the amount of options available to us certainly provided ‘food for thought’. There was no pressure to do anything or change anything we were simply given the information we asked for and left to decide. Thank you again."
P & B Weetman - Private Clients
"We needed some pension and investment advice so made contact with Argent Wealth Ltd. David Hardman, the Advisor, visited us on a number of occasions to collect information, find out a little about us, our plans and aims for the future. He was friendly, professional and honest. His explanations were clear, concise, easy to understand and there was no hard sell. Products were only recommended when he was sure that we were comfortable and happy with the advice offered. Our relationship is ongoing, he keeps in regular contact and we feel that we can call on him anytime for further advice!"
B Mason - Private Client
"I have been dealing with David Hardman for my transfer of a former pension to another provider. In all matters any questions or concerns have been courteously attended to. I have been looked after very well and my business has been timed exactly. I would be happy to recommend David to any future clients."
I Paley - Private Client
"Recently I took the decision to review my financial situation surrounding my current and archived pension plans. What looked a daunting and scary prospect was made so much easier following a chat with David Hardman at Argent Wealth Ltd. David’s services were recommended to me by a former colleague and following an initial meeting we agreed a way forward that suited me to carry out my pension review. David quickly recognises that we all have different character traits and in turn knowledge of the pension minefield, therefore he explained all the steps and possibilities in a simplistic way making me feel more at ease. In addition and very importantly I never at any stage of the process felt pressurised into making impetuous decisions and every step was given the appropriate time-frame in order to fully reflect prior to moving on. In summary my eventual decision was to consolidate my different pension plans into one pot and ensure that I had the correct flexibility and security options regarding the distribution of funds that suited my own situation. From my own perspective the objective was only achieved with the excellent support I received from Argent Wealth who operated in a way that displayed an extremely calm, methodical and professional approach.”
A Jones - Private Client
"I recently discussed with work colleagues about financial advice on pension options following closure of our company’s final salary scheme. My colleagues highly recommended I arrange a consultation with a local independent financial adviser; Mr David Hardman, Director of Argent Wealth Ltd. Some of them had already met with David earlier for financial advice and complimented on the very good service he had provided. I made an appointment, met with David and discussed my pensions and investment options best suited for my personal financial profile. David explained everything in very simply laymen terms and made sure everything was clear and that I understood all terms and conditions before proceeding. I always felt comfortable and at ease with no pressure to do business. I decided to transfer my pension and take advice on other investment, everything went seamlessly and I am very confident I made the right choice asking David to advise and represent me and would have no hesitation recommending David to other friends and colleagues; although most of them have now already taken the opportunity to work with David, but for anyone else seeking financial advice I cannot recommend him highly enough."
T Moderate - Private Client
"My wife and I have been in our business since 1976, we were 28 and 27 years old with three children under 5years old. Although it was hard work ,within a few years the business was keeping us rather than the other way round. At that young age it's so easy to put off any thoughts of pensions or investments,and before we knew it we were approaching being 40 year olds. We decided to 'dip our toe in the water' with a large well known pension company, who we weren't happy with and transferred our small investment to our bank. But this felt remote and was also under performing. We began to look around and were fortunate to find John Hardman, who we found to be very helpful and was more interested in us and our needs than selling any financial products. John advised us until he retired, we were worried about losing his services but we had no need, as David Hardman (John's son) was introduced to us as John's replacement. Today we find that David is just as reassuring as his dad and we feel lucky to have David's confident approach to financial advice."
D Hardy - Private Client
"David provided clear and independent guidance throughout the transfer process. At no time did I feel pressured to either accept his advice or that I had limited options. I am fully satisfied with the service I have received and the product I have selected, with David’s help!"
D Newman - Private Client
"I first contacted David Hardman when i needed a financial advisor to help me transfer a pension pot to a scheme with another provider which was more suitable and gave me greater flexibility. David advised me in a relaxed and very professional manner and in a language i could understand, he made me feel at ease with such an important decision. Everything is sorted and set up now and i can't thank David and Argent Wealth enough, I will always be grateful. Thanks again!"
Dr S Tatarkova - Private Client
"I am very happy with my pension transfer. David helped me to complete the transfer - fast, efficient, reliable and trustworthy. I highly recommend David."
Mr K Smith - Private Client
"Now that the full transfer of my pension has been completed, I just wanted to thank you for the support and professionalism you have shown during the past few months in supporting and advising me on my recent pension plan transfer. From the outset of our initial meeting you have given me sound advice, which as explained during these meeting, have been very clear and more importantly very understandable as the world of pensions to me was a minefield. I have also passed my thanks to my colleagues, as without their recommendations about yourself I would not have had the chance to know what a professional and helpful person you are. Once again may I thank you personally for the support you have given me during the past few months and I’m sure moving forward the same professional and personnel attitude will be given."
Mr P Saxton - Corporate & Private Client
"David at Argent Wealth has been the IFA for both the business and me personally for more than 10 years and during that time his advice has been professional and timely. The financial markets during this period have been particularly turbulent and like most people we have enjoyed both success and failure. However, when investments have not performed David has remained resolute and has always been on hand to help, providing sound advice and an appropriate course of action. He continues to assist me personally managing my SIPP and I am happy to recommend his firm for anyone looking for an experienced and reliable IFA."
Mr & Mrs Corder - Private Clients
"David was instrumental in guiding my previous employer to set up their pension scheme. This involved approximately 30 employees, some with many years continuous service through a number of changes of ownership, others with less. The scheme had to take care of all the individual’s needs, which was quite a task. David had many discussions with each employee to ensure they were comfortable with the proposed schemes, and it took into account their financial aspirations. Recently, when my circumstances changed, I needed to consider our family financial plans and naturally turned to David for his advice. We discussed all aspects of our circumstances and David has guided us through the many options, which has enabled us to make informed decisions on managing the various existing pension funds and investments, some being transferred and another left in place for now. David is very good at explaining complicated financial matters in simple terms, which has certainly help with our decision making. I have no hesitation recommending David to manage your personal or corporate wealth and pension planning needs."
A Corbett - Private Client
"Following the closure of my Company Final Salary Pension Scheme, I required ‘independent’ financial advice. I sourced a few local companies and after a little research requested David Hardman, from Argent Wealth to come and talk to me about my pension options. He was really helpful and explained, in a very open and understanding way, how the process would work. We discussed how it would benefit me and I am confident that I made the right choice in choosing David to assist me both in the transfer of my pension and to continue to assist me in the future. David was upfront about his charges and explained what I would expect from my investment. The more I met with David the more at ease I felt with him and had no hesitation in recommending him to my friends/colleagues, who in turn have also taken the opportunity to work with him. I am hopeful that his advice and guidance will make a significant difference to my future and can’t recommend him highly enough."
I Reay - Private Client
"I am very happy to say that after initial research I found a reliable financial adviser that came recommended and that I felt I could trust, as it is sometimes concerning to relay personal financial issues to someone I have not met before. My pension enquiry was dealt with privately, trustingly and I quickly became relaxed as I knew this was being dealt with professionally. I was constantly kept up-to-date and informed every step of the way by David. I was even advised to stay where I was and use an option I wasn't aware of. Thanks to his assistance and professionalism I have made a choice I now know is the correct option. I will not hesitate to use David Hardman again."
D Waistell - Private Client
"I contacted Argent Wealth regarding moving my pension to another scheme with income release and a satisfactory investment plan. I was dealt with throughout by David Hardman in a pleasant efficient reassuring manner. Now transfer successfully completed and very satisfied with result. I would recommend the services of David Hardman/Argent Wealth."
P Mordey - Private Client
"Not knowing any financial advisers, it was with hesitation that I approached Argent Wealth for pension advice and support, however after meeting with David it didn’t take long for my anxieties to lapse. David’s approach was very calming and he explained everything I needed to know clearly and with empathy. Communication and advice that followed was again clear and consistent without me feeling under pressure to make quick decisions, to the point that the clarity of his knowledge and expertise lead me to reach my own decision for my future planning – with David’s endorsement. In summary, I found David to be very knowledgeable in his field, extremely helpful, honest, trustworthy with his advice and I would have no hesitation in recommending him in the future."
E Halton - Private Client
"I got David Hardman's details from the pensions advice website. He listened to my circumstances and carried out my wishes with regard to my pension. He has kept me well informed on how my transfer was proceeding and on the best place I could invest it to meet my needs. I am very pleased with the results so far and have no hesitation in recommending him."
Mr & Mrs Fairbairn - Private Client
"Having dealt with Argent Wealth over the last few years through John Hardman until his retirement, we would like to thank David for the excellent advice and service we have received regarding our recent Pension transfer and we hope to continue our business in future projects."
M Weeding - Private Client
"I have found David extremely helpful and conscientious in his work assisting me in planning my retirement. His advice has been clear and easy to understand and to date has stood me in good stead for pursuing my plans. I would recommend David and his company and did so with my own partner. As they say the highest praise is if you would recommend someone to family and friends."
J Best - Private Client
"As my pension age was approaching I'd managed to accumulate a number of pensions from various employment over the years and needed some advice on whether it would be more beneficial to consolidate the pensions or alternatively, leave them as they were. I found David's details after browsing the Internet and contacted him the following day. From the outset David was extremely helpful and after providing him with my pension providers details, he contacted them, consolidated all necessary information and provided me with detailed feedback, which explained all the pros and cons of each option. After considering all information I decided to leave my pensions as they were. David respected this decision and although he'd invested considerable time and effort in assisting me, he didn't charge me for his services. Professional, non biased, advice with exceptional attention to detail, if I ever require any financial advice in the future David Hardman will be the first person I contact. Thank you."
J Williams - Private Client
"I have dealt with both John and David for over six years and have found both very knowledgeable, helpful and friendly. We have had dealings with at least five financial advisers over the past twenty years and Argent are definitely the one we would recommend."
A Tully - Private Client
"Argent Wealth are providing me with an excellent service, their customer care is exemplary. Financial preparation for retirement can be a confusing and stressful time but David Hardman has been very supportive; meeting regularly to discuss and provide sufficient information to enable me to fully understand my options and make informed decisions about by future security. I highly recommend this company."
T Brown - Private Client
"I was introduced to David a few years ago as retirement loomed. In recent months he has provided an excellent level of professional support for me in what proved to be a very testing time. His advice has unquestionably put me on a solid financial footing going forward."
M Hawyes - Private Client
"I would like to thank you for the pension advice you have recently provided. I found the whole process very professional and also you communicated to me in laymen terms that I could understand. I was very concerned about my future pension position as the jargon and the amount of red tape there is involved with today's pensions is very confusing. My father who you advised many years ago, was very impressed by your help back then and suggested I contact you. I would not hesitate to recommend you to anyone requiring financial advice"
M Payne - Private Client
"I would like to say thank you very much for all your help and advice. I would recommend Argent Wealth to anyone who needs financial advice."
K Howard - Corporate and Private Client
" I have been dealing with David Hardman of Argent Wealth for five years now. He has been a great help both on a business and personal basis. I will just give a quick overview as to how David has helped me. Firstly on a business level - I work for a company and like millions of companies last year the government made it statutory to offer a Work Place Pension. I am sure like most people the prospect of setting up such a scheme was an incredibly daunting prospect, given that my knowledge of Pensions in general was next to nil. David came into my work place and interviewed every individual and set up the whole pension scheme taking all my worries and fears away, leaving me in the hands of an excellent pension provider who continues to help me with any queries. Secondly, on a personal basis his advice has been invaluable. I was struggling to understand my partner’s three frozen pensions. The policy documents were like reading a foreign language and we felt overwhelmed by the information provided. David’s advice and overview left us with the confidence and knowledge that we needed to go forward in the future. I am sure that I will require David’s advice for many years to come. I have always found David to be objective and honest with his help and advice and can recommend him highly."
M Jeffs - Private Client
"Although I used David for a defined benefit pension review and eventual transfer out, I wouldn’t hesitate to recommend him for any other type of financial advice. His knowledge and understanding are exceptional. He took the time to really understand our situation and what we wanted to achieve. His own recommendations were well researched and clearly explained. He was very quick and efficient and kept us fully informed at all times. We always felt he was working in our best interests and he provided total peace of mind. Having had dealings with two other IFA’s I can comment from personal experience and say that David is far and away the best IFA I have encountered."
L Donnelly - Private Client
"I joined a pension scheme put in place by David. He took the time to go through my options, taking my attitude to risk and affordability into account and explained everything very clearly, including how his firm are paid. The method he used meant that I have more contributions paid into my plan for the same cost as before, it is a great help to have someone who took the time necessary to go through everything so I understood exactly what I have, his attention to detail and efficiency is excellent and would highly recommend him".
P Marshall - Corporate Client
"I have known David for over 10 years in his capacity as an IFA. Over that period, the path of investment has not always run smoothly and whilst it is easy to take credit when times are good, it needs someone to stand by you, guide and help when they are not. David has done just that and continues to be someone of integrity who I trust with my financial planning. He has adapted to the change in industry and in recent years developed a new and very effective investment monitoring programme. I would have no hesitation in recommending his services."
E Blackbird - Corporate Client
"I had been paying into a SIPP for years not really being kept informed of where the money was being invested, how it was doing and what charges were being applied. After a full review from David, I am now in a much better place, active monitoring of my funds which has benefited me greatly over the last few years, as well as having a much more competitive pension with lower charges. Big thanks to David for adding such value to my planning. I would not hesitate to recommend him."
I Simpson - Corporate Client
"David has dealt with a number of friends and associates over the last five years and has always been regarded as providing input which has been of value. Although some clients have taken up recommendations, the time wasn't ideal for others. However, David has kept in touch on an agreed basis and never been one to push. He is someone who has a reputation for standing by his clients no matter what and this is evidenced by our experience. He always puts the client first and can always be reached whenever needed. We will continue to recommend him and his firm as he is someone you can rely on."
N Bassarab - Private Client
"I have known David Hardman since 2011. I originally contacted him to obtain pension information and advice. Following this I approached David to get advice in a particular aspect of Trusts and he put me in touch with a colleague who specialises in this field. More recently, probably since 2012 David and I have regular consultations regarding our broad investment portfolio. David has, without exception, been a valuable source of guidance in financial investment matters and we hold regular meetings to monitor progress, where he delivers the correct balance of technical analysis tempered with pragmatic advice."
H Emmerson - Private Client
"I had a particularly complex situation which needed the expertise of someone who could achieve what I wanted from the pension arrangements I had built up over the years. I was referred to David and I am delighted the introduction was made. I now have everything organised and he couldn't have been more helpful. I really appreciate the efforts he made on my behalf."
P Fairless, Director - Corporate Client
"Advice and implementation of a Group Personal Pension scheme. David has guided us through the whole process from start to finish and demonstrated great product knowledge."
J Redpath, Director - Corporate Client
"I found David Hardman to be available for advice at all times. He was not patronising in any way - just carefully explained the minefield of auto enrolment. He is the only person in the Financial Services sector, I have met, who truly has the customer requirements as his priority."
Julie, Durham, Financial Director - Corporate Client
"David has taken care of sourcing and setting up a new pension scheme for us in readiness for auto enrolment. We had a poor uptake in our previous scheme, but since working with David, the majority of our employees have already joined the pension scheme ahead of auto enrolment. Staff found David helpful and easy to understand."
Mr A Pugh - Private Client
"David Hardman of Argent was a big help to me and my wife. He discussed options and helped me make a decision based on what was best for us. David gave me plenty of advice and got me all the information I needed and asked for quickly, whilst keeping me up to date at all times. He was always available and helped me from the start to the end of the process and am very satisfied with the results. I would recommend Argent to anyone."
Mr P Storey - Corportate Client
"Further to our recent meetings I would like to extend my appreciation for the manner in which Argent Wealth has dealt with my pension fund. As we have discussed on many an occasions my financial future is almost entirely in your hands and I appreciate your honesty and professionalism. Trust is a word that is often mis-used or even lost in the cut and thrust of today’s business world and everyone’s somewhat cynical desire to protect themselves and trust no one, but I simply cannot do what you do. No doubt many others are in the same situation and it would be all too easy for the unscrupulous to take advantage of these circumstances. At no point have I felt nervous about this exposure, more the opposite in that I’m confident that my financial future and best interests have and continue to be taken care of properly. Thank you for your help."
Mr & Mrs Lynch - Private Clients
"Thank you for looking after Rosaria and myself in a fully professional manner. All the options were thoroughly explained in language that we understood. There was no pressure and when we decided which options to go for they were conducted swiftly keeping us informed of progress at all times. All in all an interesting and painless experience which gives me confidence for future dealings."
Mrs L Bell - Private Client
"I have been dealing with John Hardman and his company for roughly eight years and in that time he has provided me with some very good advice. He is always available on the phone and will happily answer any questions I may have. I continue to be satisfied with his advice."
Mrs S Willits - Corporate/Private Client
"Dear David, thank you for attending the meeting at our offices last week. As always you approach our financial dealings with depth and understanding and you advise us clearly and comprehensively. Thank you for all the research you do on our behalf to get us the right deals and keep our finances invested well, especially in these current times."
Mr & Mrs Compton - Private Clients
"Myself and my wife would like to thank you for the excellent service you have provided us with in the past few years. What we both like about the service you have provided, is the fact that we can both understand what we are investing in. The fact that you provided my wife's parents with an excellent service also means that we trust you to advise us in the same way. Again many thanks for what you have done for us, and long may it continue."
J Gilstin - Private/Corporate Client
"Just a few lines to express my appreciation of the way in which you have dealt with my interests since I engaged Argent; or more specifically David, to take over my pension fund. I have been very impressed with the service you have provided and in particular the way in which you have kept in regular contact to discuss my interests and my future investments. With past advisors I felt that I was simply paying into a bottomless pit with no contact from anyone to explain how funds and investments were progressing. The only way I ever found out was when I contacted them and asked for an update, this could sometimes take several weeks to arrange and then I often felt the information I was being given should have been provided much earlier without me having to go looking for it. I understand that in the present financial climate not all news will necessarily be good news but I think it’s always best to be kept informed and up to date on something as important as your financial future. Keep up the good work David and I hope we can have a long and prosperous relationship."
M McNally - Private/Corporate Client
"I have entrusted Argent Wealth Ltd to undertake the provision of my Self Invested Personal Pension (SIPP) which they do in an efficient and effective manner, together with planned annual reviews upon the overall performance of my investments, combined with both short and long term strategic planning for my eventual retirement. My individual day to day dealings are with David Hardman who regularly reviews my individual investments and frequently offers advice from time to time for investment changes in this ever changing economic climate. David never cold calls or chases other financial business, his contact with myself is always professional and investment specific to my SIPP. We meet regularly between the annual review dates, always by prior appointment and always focused, to the point and brief, never a chore. David will offer other financial advice, but always at my instigation and request. I believe Argent Wealth Ltd stand out from crowd and are definitely not just another pushy financial adviser."
Mr B Ginn - Private/Corporate Client
"I have dealt with David and Argent now for several years and in that time have consistently been impressed with the level of professionalism shown and the quality of service offered. At no point have I ever felt that I was 'being sold to'. David has always acted in the best interests of the client, giving objective, impartial advice. He is easily contactable, returns calls swiftly and reacts to any request in the most timely manner."
Mr & Mrs Morris - Private Clients
"Realising my investments required a professional assessment to avoid any further stagnation, David was recommended to me by a close family member. My investments were relatively modest, but still represented a lifetime of saving, so I was both looking and hoping for some expert advice. I was confident from the first few minutes of my initial meeting with David that I would indeed receive this. The three meetings we had spanned just over 6 months, which would have been shorter but for my working life taking me away from the UK for long periods. Contact was maintained via email and all papers were dealt with in a simple yet efficient manner. Feeling totally at ease thanks to David's personal approach, the impression that my investments were now being dealt with by the correct person was strengthened with each meeting. Taking onboard his advice my investments are now transferred and will hopefully perform to higher dynamic in the future. A family holiday did not prevent David from contacting me when an administration error was discovered, illustrating the professional and personal approach he adopts. In summary I would have no hesitation in recommending David and Argent Wealth to any perspective client."
Mr & Mrs Amis - Corporate Clients
"As I run four businesses and balance family life, time is of a premium. David reviewed my position to suit my changing needs and offered sound flexible advice that changed during our meetings to ‘fit’ my requirements going forward. Argent Wealth look at many different options and look long term rather than short terms gains – previous advisors have always wanted to sell me more products. David reviewed my current cover which is more than adequate. I have no hesitation in recommending David and Argent Wealth to anyone and have already done so."
Mr & Mrs Richardson - Private Clients
"Pat and I would like to thank you for all your help and guidance through the minefield of annuitiy planning. Although I had a good understanding of this area you were able to show us up-to-date ideas which resulted in a much better solution to our future plans. Thanks also for the way you conducted yourself and put us both at ease."
Mr & Mrs Jackman - Private Clients
"My husband and I first got in touch with Argent Wealth through the internet which is the norm now. From the first phone call it was evident that this would be the firm we would deal with. Instead of faceless people over the phone and internet we were offered home visits which were much more to our liking. These visits were at our convenience and often out of office hours due to my husband's work. The very best companies were sourced for us to compare products and advice from and John was on hand at every step of the way. We are very impressed with the company and were more than happy to put our future so to speak in their more than capable hands. They have found the very best pension deals for us and we are very grateful to them. It is not a case of finalising the funds and never hearing from them again, they are often in touch to see if they can help in any way."
Mr & Mrs Nichol - Private Clients
"I am happy to recommend Argent to any of your prospective clients. Your fast response to my initial enquiry was impressive. I was very happy with the way you explained the various options available to me and the fact that you are based close to my locality meant that I could meet you in person (a very important consideration for me). Your explanation of the details of annuities and keeping me informed of any rate changes, meant that I had a clear understanding of the way forward for myself and Pauline. You explained how you would be remunerated at the outset, emphasising the amount I would receive, so that there were no unexpected charges. All-in-all I am very satisfied with the outcome."
Mr Edes - Private Client
"After checking 'Martins Money Tips' I made a few inquiries re Annuity. I received a call from David Hardman, assuring me that if I went ahead with Argent there would be no cost to myself. I visited David Hardman at his office on two occasions and everything was sorted easily. I am now receiving an Annuity which is higher than any previously offered. This was a first class service and I would recommend Argent."
Michael Hodgson - Managing Director of Michael Hodgson Chartered Surveyors and Estate Agents
“Argent are experts in their field. They offer sound, specific advice tailored to each client’s exact requirements. They have provided an exceptional level of service and I would not hesitate to recommended them highly enough.”
David Anderson - Business Services Ltd
“David is a really great guy! He exemplifies the meaning of the words: trust; honesty; reliability; committed."
Matthew Platt - Principal - Financial Adviser, MLP Financial
“I have known the David and John for over 10 years and having assisted with a good number of their director clients, I know only too well the positive impact the advice has had on their financial security. They always go that extra mile to source the appropriate and often innovative solution.”
Alan Gowling - Director Business Banking, NatWest Bank
“David is extremely professional with a real focus on providing innovatve solutions to clients and adding value. A pleasure to work with and I am looking forward to developing our working relationship further. No hesitation in recommending David's fresh approach to financial and business solutions.”
Paul Evans - Managing Director of Brooklands Trustees Ltd
“David is a very experienced adviser who has dealt with a number of complex investment and technical pension cases mainly for business owners and high net worth clients. David maintains an excellent level of service for his clients making him easy to recommend.”