> I would like to thank you and your team for the excellent work that went into finalising most satisfactorily, both Gerald's and my private pensions. We value the attention to detail that went into resolving seven individual pensions and are extremely pleased with the resulting annuity payments. Your invaluable help and friendship over the many years of our association is well appreciated. Lynette & Gerald Williams, Penarth
> The clarity of the advice which is tailored to your needs plus the integrity and customer focus of hhfm – Mr & Mrs F, Newport
> Frank, open, honest discussions about investment alternatives. Excellent support by office staff. Very responsive, supportive and cooperative and helpful – B.M. - Surrey
> I have been very happy with the advice given and that Saran and Chris do have discussions and look for the best advice from wherever it may be found – J.P. - Wrexham
> Trust and quality of advice – Mrs D, Bath
> Quality advice, personal approach, friendly approach and professionalism - Adam Brooks, Cheshire
> Professional, Honest, Long term relationship with ALL members of staff - Conrad posthumus, Cornwall
> The ability to discuss financial matters and the fact that you are not averse to saying “No” to your clients -
Mr & Mrs Lewis, Monmouthshire
> Saran gives me the impression that she really cares about my current position and is giving useful information explained in a language I can understand. She is very friendly and helpful – Mrs G, Cardiff
> The willing, helpful and friendly services of an adviser who gives unbiased advice and understands my needs and attitude – Mrs R, Bristol
> Completely professional, clear concise, knowledgeable advice. Incredibly fair with fees, they treat their clients in a totally personal way. One feels a bond of trust developing that reminds me of the old fashioned relationship that developed between a GP and his patient -
Angela & Derek C from Mold
> All discussions were carried out with a compete lack of jargon. Any that was in documents were explained fully. A genuine interest was shown in our personal circumstances. We were recognised and spoken to out of the office – Mr S, Monmouth
> As a fairly new client I have appreciated a quick response on questions asked – Mrs B, Cardiff

> As always we found the discussion helpful and interesting and now feel more confident about our plans for the year (indeed years) ahead - Mr & Mrs B, Monmouth  
> Pam and I have just received our half-yearly statement from Transact. We are very pleased with the performance of our investments, based on your advice. I know we have to look to the long-term but this is a very good start -
Chris and Pam Reading, Newport

Comments taken from our Treating Customers Fairly survey in response to the question
“What are the things that you value most about your relationship with hhfm?”