Totum Financial Planning - Prescot

Toby Woods

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

Can't recommend Totum FP enough.

billie rimell

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

Ian Carter

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

Melissa C

Short-version: Joe and Gemma at Totum Financial Planning have been absolutely amazing and I am confident my investments are in good hands. I cannot wait to see what happens in the future!

Long-version: I reached out for a no-obligation consultation call with Joe as I wanted to start investing my money but had no clue where to begin and who to trust. There is so much information available online, but for someone without a financial background, it can be a very difficult landscape to navigate.

I felt like I understood more about investing after a 45 minute chat with Joe than I have ever learnt before from countless hours of Google-searching and YouTube videos. Joe provided an overview of the various investment opportunities out there and explained how Totum Financial Planning would be able to support me if I wanted to work with them. He was excellent at explaining and showed real-life examples which immediately helped me to feel more at ease with the risk-reward ratio associated with investing.

I decided that I was keen to see what support they could offer me to suit my personal situation, so we arranged another meeting the following week. Gemma, who has been my main point of communication sent me a questionnaire to complete which provided them with the information needed to set up a proposal for me. The turnaround on this was super speedy and I had my proposal within a few days which Joe explained in detail on another video call.

Obviously, this is a big investment (quite-literally) so he took the time to ensure I understood everything and I never felt worried to ask questions. I have been kept in the loop at every stage and I am excited to see what the future will bring for my portfolio. It is also worth noting that they are helping me to manage my pension too so I am confident that I will be set up for success in the future.

As mentioned earlier, Gemma has been my main point of communication and has been excellent. She always responds promptly and in a friendly manner and has been an absolute pleasure to work with and I look forward to my continued collaboration with her.

I honestly cannot recommend Totum Financial Planning enough. Even if you are unsure what it is you need/want, just book in for a consultation call and see what happens. You never know, it might just be the best decision you ever make!

Michelle Houghton

As a Nurse and business owner I was stumped in trying to figure out how to manage my finances to maintain the lifestyle I want and set up a pension with a very specific target in mind. I knew my start position and the end goal but no clue on how to manage the in-between. I was overwhelmed by all the information I was trying to navigate myself and approached Totum for advice.

Immediately I felt I was in safe hands. From an initial call Joe had advise that helped me immediately, saving me a substantial sum of money. I have a long term plan which absolutely achieves my goals. I have a pension that meets what I want later in life while having a better lifestyle than I ever imagined I could, both now and in the future.

I was very impressed with the amount of knowledge Joe and Gemma have. I was impressed with their friendly nature while also being very professional. I felt no question was a problem even some crazy ones I probably asked. I was at ease throughout the process, with clear actions and next steps. Joe was as enthused about how much impact changes he proposed could make, as I was in how much this advise could impact my finances. I only have a small experience with other financial advisors but its clear that Joe and Gemma have a very personalised approach, instead of considering finances only, they consider all aspects of ones life so that financial goals can be achievable.

I am no longer overwhelmed and very positive about my financial situation. I have already recommend Totum Financial planning to others due to the very bespoke way they helped myself.

Craig Dobbs

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

Nicola Wilson

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

Natalie Galvin

I recently realised I needed to sort out my pensions, as I knew i had a couple with previous employers!! It wasn't something I was able to sort myself as they had all been passed around and I didn't know who now had them. I looked for a financial advisor and was recommended by a friend to use Joe Parker. I contacted Joe and found him to be really friendly and very knowledgeable. He sorted all my pensions even found a couple more!! I initially thought I had a couple of grand in random pension pots, after Joe had worked his magic I now have £110k waiting for me when I retire. I cannt tell you how happy and very impressed with the service Joe and his lovely wife gave me. I will also be using their service when I need to look for a remortage next year. I would happily recommend anyone looking for a financial service to contact Joe.