Six letters, each printed in full with the service it refers to and the date and time it was written. They are shown unattributed at the writers’ request. There is no average, no star summary and no recommendation percentage, because six letters cannot honestly produce one.
01
Theo R.
I came in with a folder of statements and no real question, which I said at the start. The hour was spent separating what needed a decision this year from what did not, and I left with three things written down rather than a proposal. Nothing was sold to me. When I asked what the next piece of work would cost, I was given a figure before I agreed to anything.
02
Simone H.
The part I had been dreading was being told a number and asked to trust it. Instead the work started with what I expect to have and when it becomes available, and the deadlines were marked on a single page. Two questions were handed to my accountant rather than answered here, which I took as a good sign. The scope and the fee were both fixed before the work began.
03
Elliot E.
What was written on the website is what happened in the room. The review told me what the holdings are concentrated in, what they cost to hold, and where that had drifted from the reason I bought them. No trade was placed and none was suggested. I asked twice whether there was a product at the end of this, and twice the answer was no.
04
Rosa P.
My business and my own finances had been the same pile for eleven years. The engagement separated them on paper: what depends on the company trading, what would be needed if it stopped, and which parts belong to my solicitor. The room was quiet and the pace was unhurried, which mattered more than I expected. I was told plainly where the advice stopped.
05
Jonah J.
I wanted someone to read advice I had already been given without telling me the person who gave it was wrong. That is close to what I got: a note on what the advice actually does, what it assumes and what it leaves open. The adviser was not graded and I was not pushed to move anything. The written summary arrived when it was promised.
06
Camille S.
This was the hardest conversation of the year and it was handled without hurry. The financial side was set out beside what the solicitor was already doing, so nothing was duplicated and nothing was assumed to be covered. One adviser stayed with it throughout and I never had to explain the situation twice. Every letter said what would happen next and by when.
It carries no charge, and it ends either with a scope worth agreeing or with a clear statement that none of the six services fits.
It is published in the open, where anyone can copy it, so it is left short of its final polish and audit pass. The design chosen is fully audited and polished before it goes live.