Added 15th October 2013:
Ed and the team at Holder & Combers have been fantastic in working through and advising us on all things to do with our personal and family finances over the past two years whether it be pensions, tax, investments, insurance or mortgages. Essentially really important stuff but not something we can get remotely excited about. This makes Ed and the teams' enthusiasm, transparency, dedication and professionalism all the more comforting.
We would recommend them in a heartbeat.
Added 7th October 2013:
Ed has recently arranged my new life insurance policy. He was very approachable and explained everything clearly and in a way that I understood.
Both his advice over the telephone and in writing was concise and pitched at the right level which made me feel confident and secure in knowing that the policy he recommended and arranged was correct for my requirements. I would have no hesitate recommending Ed to any contacts of mine looking for financial advice and I will definitely be going back to him for further advice in the future.
Thanks for all your help.
Consultant Solicitor at Keystone Law
Added: 7th October 2013:
We have been delighted with the support from Ed Holder of Holder and Combes in helping up understand our pension options and expectations and dealing very quickly with some challenging investments.
The speed of response and action, practical, professional and knowledgeable approach with options presented in a straightforward way have been outstanding.
Ed was recommended to us by a friend, and we would have no hesitation in recommending Ed and his company to others,
Vice President & Executive Partner
Added 4th October 2013:
I was very grateful to hear about Holder & Combes from a colleague at work.
I had been following articles on the national press for the past year and was confused as to what to do about my pension, whether to take out an annuity now or postpone it for later.
Nick Combes made it easy to understand and advised me on best options available, taking into account my personal circumstances and needs.
I will thoroughly recommend their services to friends.
Added 16th June 2013:
What to do with my pensions was a mystery until I contacted Nick at Holder & Combes. What I particularly like with this company is that my approach to risk management is respected completely, and I understood exactly what was proposed.
I am very happy with the performance of my investments and the way H & C approach the analysis and management of the funds and fund managers they choose to work with. I think the essence of good financial management is always based in trust - and I trust Nick and the company to advise me well.
Designer at Charlie Day Gardens
Added 11th June 2013:
Holder & Combes have been helping me organise my personal finances for the last few years. Prior to meeting Nick I had no financial advisor or pension in place and I now have my finances in much better order and I also understand better what steps I need to take in order to deal with my finances in the future.
I have also had some help with my company's finances and will definitely use Holder & Combes the next time I have any financial needs. I can highly recommend them.
Director - ROROHIKO LTD
Added 31st May 2013:
Having always been fairly ramshackle in my approach to my finances Holder and Combes have completely sorted me out. Everything they present is clear, easy to understand and, more importantly, it's working.
It's a weight of my mind knowing that all aspects of my finances are being taken care of and that I have a good sense of where I'll be when I come to retire. It's just not something I'd ever really thought about before. On top of all this they're great to work with. Meeting with them is a pleasure.
Over the last three years Nick has completely overhauled my financial arrangements in order in a clear, practical and effective way. Highly recommended.
Head of Entertainment at Endemol UK
Added 30th April 2013:
I've recently worked with Ed on what I thought was a complex (and daunting) financial situation. Ed was brilliant and actually completely turned around my problem into an opportunity!
I really liked his no-nonsense, friendly, and expert can-do advice towards a layperson like me. I'd 100% recommend Ed as the go-to guy to chat with about your financial investment advice.
General Manager at Savoo
Added 7th March 2013:
Dealing with the financial adviser at Holder & Combes has been a real breath of fresh air - for the first time I have received no-nonsense, understandable advice on my investments in an open and honest manner - just fantastic.
Having advice given in the way it was, just left me wholly confident in the service I was being provided and with my best interests always at heart. I wouldn't hesitate for a moment in recommending them. Thank you.
Manager at Solar Management
Added: 18th February 2013
As I approached retirement in the autumn, my main preoccupation was not what to do with my life but rather what to do with my occupational, money purchase pension. For someone like myself, with no financial expertise, this was both vital and incredibly worrying.
My pension is no doubt peanuts in Ed Holder's terms, but he has spent a lot of time working out and explaining the various options to me. As a result I have a peace of mind that I had not thought possible.
I feel very fortunate that in what I see as the dodgy world of financial advisers, I have (on the recommendation of a colleague) ended up with Holder & Combes.
Updated: 5th Feb 2013
Holder & Combes have been looking after my pension, giving me advice on my investments and helping me with mortgages now for several years, and have just helped me in getting my current mortgage re-underwritten for my new house.
At every stage of each investment I have had all the risks and benefits of each decision explained, both in person and on the phone. My most recent mortgage was handled personally by Justin Al-Kaisy, who successfully navigated me through the process, and has been extremely helpful and diligent throughout, and has helped keep my mortgage provider on a tight time schedule for the whole process.
I've been extremely happy with the personal and impartial advise I've received over the years, and feel the products I've been recommended have been a good match for my financial position, and have performed well. If you are looking for a group of highly professional, highly qualified and highly personable IFA's, then Holder & Combes should fit the bill.
Added: 25th January 2013
I am a new client to Holder and Combes but have had a very positive experience so far. They are professional organised and transparent in all that they do.
I am looking forward to working with them for the foreseeable future.
Managing Director at cer
Added: 23rd January 2013
Ed Holder, of Holder & Combes, has been providing us with financial advice and planning for several years. This has included our mortgage, pension, investment and tax arrangements.
We have found him to be very friendly, approachable and helpful, able to apply his extensive financial knowledge to explaining the details in terms that we clearly understood.
We feel fully confident in his capacity to manage our financial planning, and are completely secure in his professional handling of our affairs.
We would have absolutely no hesitation is recommending him as a financial advisor.
Education Consultant and Trainer
Added: 18th January 2013
I have known both Ed and his business partner Nick for 4 years. In that time, I have worked with Holder & Combes as well as being a very happy client of theirs.
Their client-centric approach and superior market knowledge put them up with the best firms I have worked with my 15 yrs in Financial Services
Business Development Manager
Added: 20th July 2012
Just wanted to say a huge thanks to you and to Justin for your advice and help in getting not one but two mortgages set up in super quick time, enabling me to finance my lease extension and move house within a very short timescale.
Also worth noting that Justin's assistance was invaluable to me in progressing my mortgage application whilst I was on vacation. I am a very happy customer, so thanks again to both of you!
Added: 29th June 2012
Holder & Combes were recommended to me by my solicitor to advise on a technical issue. It certainly wasn't straightforward but Ed and his team put in a monumental effort, breaking records for call durations to the underwriters, driving process change within the dinosaurs of General Insurance and maintaining excellent humour along the way.
Hours were invested for a very modest policy and I would not hesitate to return for any advice in the future."
Markets & International Banking (RBS)
Added: 29th May 2012
I consider you to be very good at your job for many reasons but in particular because of your ability to phrase things in a simple way, targeted for the person you're talking to so they understand clearly.
Professionals often like to use complicated words and industry terms to confuse people and make themselves look clever - but not you guys. Your emails epitomise this! I've no doubt your other clients love your manner and approach.
I've spoken to a lot of different people and you guys really do seem to know a lot more than everyone else. On reflection, the advice you've given has saved us an absolute fortune but for me the most important thing is that it saves me having to worry about the future.
Founder/ Director - JTX Fitness
Added: 21st March 2012
After an encounter with a dodgy pensions salesman, we were so relieved to meet with Ed. He wanted to give us advice based on our own unique situation, and to put our interests first. He treated us as intelligent people, and went to great lengths to explain his advice.
He was very generous with his time, (although we didn't have much to invest)! We are so happy that we found Holder and Combes and made some plans for our financial future.
Added: 1st March 2012
After being recommended Ed by a friend, my first foray into financial planning has been smoother and far easier to understand than I could have imagined.
Not your stereotypical financial advisor, Ed has taken away a great deal of the mystery of the financial world for me. Ed and the team at Holder and Combes made me feel very comfortable with my investments and I am happy to recommend to anybody seeking financial advice in the future.
Added: 19th February 2012
Ed was recommended to my by a colleague in November 2011, at which point, I quickly realised he was a most impressive individual.
Certainly not your stereotypical Financial Advisor, Ed is an animated and enthusiastic person who is happy to talk about anything and everything.
But when it comes to business, Ed and his team certainly go the extra mile to ensure their clientele receives unbeatable support and service.
I look forward to a long-standing and deep rooted relationship with Ed and would suggest anyone considering a financial advisor to take the first step.
PMO Analyst (Banking)
Added: 16th February 2012
Ed Holder has been my IFA for about 5 years now. He's helped me no end with all matters financial (for both myself and my business) and has made the purchase of an office and a family home possible for me.
He possess an unfathomable boundless enthusiasm for all he does while understanding very well that people like myself neither understand nor really care that much about the maze that can be financial planning. To know that I have someone like Ed and his excellent colleagues looking out for me is a great relief. I always recommend Holder and Combes to all I meet so I'm sure they owe me another lunch by now...
Founder/ Director, Mainframe Ltd
Added: 16th February 2012
Under strict instruction from my girlfriend, and on the advice of a savvy Headhunter friend of hers, I approached Nick Combes at Holder and Combes for financial advice. My finances had been a mess for years. This was partly my own fault and partly the result of a very lazy financial adviser some years ago, who encouraged me to buy a dodgy endowment mortgage and seemed more interested in his sailing holidays than making my money work for me. My pension was a long forgotten scheme started when I was staff at the BBC.
Over two visits six months apart, Nick carefully went through the options in lay terms for me and convinced me what policies I needed and which were luxuries. We then projected what expenses I needed to prepare for down the line. I have been delighted with all the advice I have received so far and will be recommending him to my mother next - a good measure of the regard I now hold for Holder and Combes!
Added: 8th November 2011
Nick has been my family's IFA for eight years and I can't recommend him highly enough. He is always available and able to help, and as my position has developed over the years Nick's advice and support has been spot on every time. He is very customer focused, has great integrity and his market knowledge is excellent.
Added: 6th October 2011
Trust is a very important attribute that I look for in people, particularly when it comes to dealing with my financial matters, and I trust Nick's judgement and abilities. As a client of his for the past 2 years, I have also been consistently impressed with Nick's accessibility and attention to my needs. As I grow my own business over the next few years I am confident that Nick will be integral part of my network which will steer the business towards growth and prosperity.”
Added: 28th September 2011
Truly excellent advice, helping us to manage pensions, investments and mortgage decisions.
Added: 24th September 2011
Ed has been my IFA for almost three years. He is great to work with and clearly passionate about what he does, taking the time to explain the options and demystify what can be quite complex investment choices. And the proof is in the pudding - Ed has really built value in my private pension fund. I had no idea how much better the returns could be until Ed suggested I move it into a new investment scheme where it has grown much faster than it was previously growing.
Added: 6th September 2011
I have had a very positive experience working with Ed and his firm. He has a high degree of integrity and his firm has a client oriented and results oriented focus. Recessions often result in the growth of customer focused, highly productive firms and that is exactly the type of business Ed is a part of.
Added: 25th August 2011
Ed excels in his field. He is accomplished and expert and never fails to give sound guidance and advice. My partner and I trust him implicitly and when we've recommend him to friends and colleagues the feedback is always positive and enthusiastic. He's an impressive guy who always delivers creative, skillful and intelligent solutions. Its been hugely beneficial working with him. Its a pleasure to recommend him.
Added: 12th July 2011
Nick has a gift for explaining financial matters in a very human and easy to understand way that enables one to make informed decisions. Everything feels easy and comfortable, leaving me in control but unburdened by the administrative side of things. In addition he's highly personable and a pleasure to work with. I would highly recommend Nick to others.
Public and external affairs adviser
Added: 29th June 2011
Always quick to respond to emails, and able to offer clear, easy-to-understand advice. Not your conventional suit!
TV and Digital Producer
Added: 22nd June 2011
Nick helps negotiate the minefields of mortgages, pensions, savings plans, all of which I find deeply tedious. He is a safe pair of hands, and very easy to work with - I would not hesitate to recommend him to any colleagues or personal friends/family.
Founder and Creative Director at Rococo Chocolates
Added: 14th June 2011
I have been a client of Nick's for over 9 years. He has provided me with expert advice around a range of products and has consistently proven demonstrated his expertise. He has also gone the extra mile for me as a client and I have been completely satisfied with his service. I trust him and would happily recommend his work.
Added: 13th June 2011
Nick has provided his expert advice to me over the last few years and I have great confidence in his, and the Holder & Combes, ethic and abilities. He has produced good results with my investments, and shown patience, care and a genuine interest in my circumstances, making what was once a somewhat daunting subject straightforward, interesting and enjoyable. I'd recommend him to anyone without reservation.
Added: 2nd June 2011
Ed has been my advisor for a number of years and has always provided me with good quality, helpful advice in a very personable way.
Added 19th May 2011
Professional, approachable, friendly, efficient and knowledgeable. I have no hesitation recommending Ed's services
Web Consultant & Designer
Added: 18th May 2011
Unlike many advisors Ed makes the world of finance easier to understand. He was able to very quicky respond to our particular requests and provide a range of well balanced, good value options. He was also very supportive all the way through our house purchase and provided excellent advice throughout.
Added: 18th May 2011
I've known Ed socially and professionally since 2005. He is one of the most approachable, honest and intelligent people I know; therefore, I never hesitated to ask Ed for financial planning advice. The level of service Ed provided was exactly as I expected it - highly professional and appropriate. Based on this, I strongly recommend Ed's services.
Added: 21st July 2010
Ed has been my financial advisor for a few months and so far I'm delighted with everything he has done. He has strong opinions, a very reassuring no-nonsense approach and is great at explaining why he recommends the products he does. He also took on a lot of the admin burden of sorting out pensions, savings and numerous kinds of insurance, which made life a lot easier for me. If you want someone smart who is on your side, Ed's your man
Added: 23rd June 2010
Holder & Combes helped me source a very good mortgage rate for a recent purchase, and were always available for follow up help and advice. I would have no hesitation in recommending them to others.
Added: 22nd June 2010
Ed is a splendid fellow. He is almost able to get me interested in financial services. Not quite perhaps, but his enthusiasm for the subject, whilst utterly alien to me, somehow rubs off and I listen. There's often a bit in the meeting where just his mouth moves and I start thinking about badgers on roller skates and hot air balloons made of cheese whilst drawing pictures in my notebook and checking my iphone, but thankfully, Ed is so trustworthy, and committed to my financial health that none of this matters. After all, it's my job to make some money being creative and it's his job to stop me frittering too much of it away.
I'm (literally) all the richer for knowing Ed. Generally I'd rather cut important bits of my body off with a rusty spoon than think about finance. Ed seems to have a steely way of getting me to put that old spoon down and sign where it matters. It's quite a talent, and I'm happy to say it's a creative skill too; Ed is a veritable poet of the pivot table.
Chief Creative Officer LBi
Added: 10th December 2009
Since taking over the management of my pension, Holder & Combes have reduced the charges, increased my investment options and their fund advice has produced impressive returns after only a year - I wish I had met them 15 years ago!
Added: 3rd March 2009
I have used Holder & Combes personally and would recommend them highly. Their personable manner and knowledge of the financial services sector is excellent. We have had no issue in recommending them to our clients and they have proved consistently to produce great results for everyone we have referred
Added: 15th February 2009
Holder & Combes have consistently provided a first rate service on the many occasions that we have worked together. Their assistance and advice in relation to residential and commercial mortgages has always been efficient, attentive and highly competent.
Added: 16th January 2009
The guys at Holder & Combes have been a great support in terms of professional services and really understanding my personal and family needs. I have every confidence that they look after my needs as a priority. Well done guys, and as and when appropriate, I will refer your services to colleagues, friends and family.
Added: 12th January 2009
Nick has been my financial adviser for about six years now, and I have been consistently impressed. His advice is always timely, accurate and straightforward, and he has been instrumental in helping me plan all of my major financial decisions. He has the highest integrity and I would recommend him to anyone.
Added: 7th September 2007
Ed has done a fantastic job in recommending financial products to my girlfriend and me over the past three years, particularly on the mortgage front where they have demystified a hugely confusing market for us and found the best deal available within the confines of our personal finances.
He is fun to work with, honest and straight talking and I would strongly recommend him to anyone requiring financial advice of any sort.
Added: 3rd September 2007
I have had other financial advisors in the past and have been privy to friends' dealings with other financial advisers and I can honestly say that Ed stands head and shoulders above other advisers. I would recommend his services without hesitation.
Sales Financial Coordinator