I had the good fortune of being called by Sean and we arranged to meet face to face. I was looking for an expert who could help me with my wife’s and my pension management. We had transferred the pensions several years ago but lost our account manager when she moved on, then our advisors kept changing. Getting closer to retirement age we were not comfortable with the high-risk investments that we currently held.

Sean discussed our current situation and understood our medium- & long-term financial goals. He then recommended utilizing the double taxation agreement, closing the pensions down removing the fee’s and charges associated with QROPS pensions and moved us into capital protected UK fixed income which we were far more comfortable with. Sean and NCAP are always available when needed, are a pleasure to deal with and we would highly recommend them. If you are unhappy with your current situation with a wealth manager I suggest you reach out to them, you will find their ethos, values and products incredibly refreshing.

I transferred my pension in 2012 with an offshore financial advisor, they promised to grow my retirement pot and offered me a bespoke investment plan to help me meet my financial goals for retirement.

However, instead of growth – I lost money, I was invested in a fund unsuitable for pensions which went into liquidation. When looking at my pension pots growth separate from the fund that went pop my pension only grew by £1,292.35 over 8 years.

Sean reached out to me at the end of 2020, as well as supporting me with my claim to the Financial Services compensation claim which I already started he also agreed to get my pension back on track.

Since moving the management of my pension to Sean he has delivered more growth in one year of managing my pension than I had seen in 8 years with my previous advisor. Not only that he has helped me drawdown on the pension, managing the process entirely for me when I had an unexpected financial emergency.

Sean has been professional throughout the whole process; I finally feel my pension is safe and working for me.

If you are unhappy with your pension performance, I would highly recommend you sit down with Sean for a review.

“I would like to express my gratitude and thanks to Sean and NCAP. Sean reached out to me last year; he was highly professional, and rather than try to sell me something, he was interested in my experience of saving and investing here in the UAE.

I explained to Sean that I had a terrible experience and had lost all trust in advisors here; a financial advisory firm who transferred my UK Pension mismanaged it and invested me into a fund that collapsed. I lost all my pension and was given no guidance; it was explained to me by the firm that there was nothing they could do, and I had long accepted it was gone.

Sean listened to my situation and explained that he could help me recover some of my losses through the Financial Services Compensation Scheme. I had never heard of this and was not aware it was possible.

He handled it for me, did not charge me for it, and he helped me recover £45,000 of my pension, which I had written off. Although there was a slight delay due to covid, once the process had started, the money was transferred into my account within three months.

If you are looking for investment advice, have had a bad experience, lost money or have products that are not performing to your expectations and would like an honest review of your situation.

I would wholeheartedly recommend NCAP and Sean; they truly have your best interests at heart and have helped put me back on track to achieving my financial goals.”

As a long term expat in Dubai, I have benefitted hugely from the help and expertise of NCAP over the years. Having a trusted source of savings and investment advice allows me to focus on my business with the peace of mind that my money is working hard for me. I particularly like the fixed term, fixed interest products as I know exactly what I am getting and don’t have to worry about stock markets.

“I have known Richard at NCAP eight years and I can highly recommend him for personal financial planning. He is well informed in all aspects of the financial sector backed up with the specialists at NCAP, and therefore I can rely on him to have the best advise for my personal financial situation.

In the UAE there are a lot of financial advisors who will always offer products based on what commission they will receive. Not in Richard’s case. With the specialist backing at NCAP he will always find the best deal for you. He also constantly reviews your situation and is not hesitant to change products if that suits me better.

He is a very pleasant person to deal with. On his visit he always takes time to listen to your personal situation and can explain how products work in a language that is easy to understand.

I value my relationship with Richard very much and I’m sure that it will continue for many years to come.

I had the good fortune to be introduced to NCAP by a friend. I was looking for an expert who could help me sort my finances following a long term disastrous engagement with a “well known” local firm of IFA’s.

They discussed my current situation and understood my medium & long term financial objectives. They then advised a range solutions which met my needs which restructured my pension and maximized my investments. NCAP have always been positive, helpful & responsive. I value their advice & experience.

I have no hesitation in recommending NCAP.

Prior to meeting Richard, I had several negative experiences with UAE financial advisors who cumulatively had managed my portfolio into the red.  They all appeared responsive and reliable at the beginning of our relationships, but universally that changed over time.  Richard has been diligent in remediating vulnerabilities in my portfolio and managing it back into the black.  Moreover, he has identified additional products and opportunities that complimented my existing investments, were appropriate for my circumstances and commensurate to my risk appetite, and that have performed and continue to perform very well.  In sum, Richard has proven over the years to be an excellent advisor.  He is a dependable source of practical decision-making advice, but he also is a trustworthy person who listens to my needs and who genuinely cares about helping to organize my finances, maximize my returns, and realize my overarching financial goals.  Perhaps the best endorsement of all is that Richard also now advises my wife!