Apex CB Financial Planning Ltd

Chris took all our financial information and did a thorough review. He then sat down with us and discussed what we wanted for our future. He worked his magic and came up with various options to manage our finances to give us the financial freedom to fulfill our plans. An indepth review looking at all our possible options, well worth the time, effort, and cost. I would recommend Apex CB unreservedly.

Short version; Chris Ryan and his team have always listened to my requirements and discussed their proposed investment strategy to provided excellent returns. They are a friendly team that take the time to discuss your aspirations and interests so as to allay any concerns you may have. I first sought an advisor in 2003, after a personal recommendation from a colleague pointed me to CB Financial Services, later taken over by Chris to become APEX CB. I had heard horror stories about managed funds having excessive fees and hidden charges so from the outset I expected, and have always received, complete transparency about all related charges. You get out what you put in. I'm talking about your discussions with Chris where you detail your risk profile, explain your short and long term goals, ethical views, green concerns etc. It's only when Chris is satisfied that he understands your requirements that he will propose an investment strategy and explain his choices to manage your expectations. My personal circumstances have changed over these past 17 years and so has my outlook on risk, hence I have seen my portfolio of ISA and pension reinvested in many different managed funds. I can say that "DON'T PANIC" is a key phrase to remember when watching your fund take a dive through the 2008 stock market crash and the current 2020 COVID 19 crisis. My portfolio has always performed far better than average and continues to grow. I am not a financial advisor, however I would advise anyone to start some sort of savings as soon as you have a bit of spare income and would strongly suggest you talk to Chris as his advice has worked well for me.

Chris has been advising me for around 15 years and I consider that during that time he's provided me with good guidance. He's helpful in suggesting options and making recommendations on ways to achieve what I want to. He's reassuring when circumstances change, and always takes care to understand my own attitude to risk. What's more, he and the team at Apex are always very pleasant to deal with.

Chris Ryan came into our school twice to deliver inspiring and interesting workshops to our Year 7 and 8 children. The material was excellent, engaging and well-matched to our children's abilities. Every child left having gained knowledge and insight into the risk sector, best of all, whilst playing games. Thank you so much, Chris, we look forward to seeing you next year!

As potential new clients who approached Apex on the basis of a recommendation from trusted friends, we have not been disappointed! We nevertheless tested Chris's advice, through consultation with a family member who is 'in the business', and found that he was prepared to address our resulting questions in a very respectful and comprehensive way. This has led to us becoming signed up clients of Apex and feeling that we have received financial planning guidance that is very much in tune with our instincts and wishes and which has set us on a path that is carefully tailored to our needs. Overall our experience so far has been characterised by a very courteous reception, high professional standards and a mutual respect that all combine to create optimism for our financial future.