"I have been with Ludlow for over 5 years and I am so pleased I chose them to be my financial advisers, I am very happy and very satisfied with all the team I deal with, thank you Ludlow."

- Miss P M Lennon

"Sue and I were introduced to Steve Bayes just after the financial crisis. We were not comfortable with our current adviser and had seen our investments drop in value by approx 40%. Steve was a calming influence and when the value returned Steve advised on a mixture of an annuity and drawdown. He also rebalanced our portfolio in accordance with our joint risk profile. The 6 monthly reviews bring peace of mind and allow us to keep our strategy on track."

- Mr Sayle, Blackburn

"Ludlow was recommended to my husband and I just after I retired and our adviser, Simon, took us through everything step-by-step. He got to know what sort of lifestyle we had, our commitments, and our future plans. We revisit our plan annually with Simon and it always feels like we are visiting an old friend, and made very welcome. Simon explains everything simply, clearly (and often more than once!) so that we fully understand, in layman's terms, what we have done."

- Brenda Worthington

"Thank you so, so much for your time. We really appreciate your review and full explanations; it's probably a small account to you, but to us, it's our life savings. Our previous advisor never did yearly reviews. We have dealt with tricky things in the last 18 months and are really happy to have you looking after our interests."

- Lesley Turrell

"I am extremely satisfied with the service and advice received from Ian Corcoran and Ludlow over the past seven years. My investments have grown at an annual average rate in excess of 6%. Ian has provided a friendly and skilful service for which my wife and I are most grateful and we would have no hesitation in recommending Ludlow to others seeking sound financial advice."

- Stephen Beilby

"We have been with Ludlow now for several years and after our previous financial advisors (a disaster) they are a breath of fresh air. Our personal advisor, Steve Bayes is pro-active with investments and our six monthly reviews keep us up to date as to where we are at. Three words to sum up our experience are, professional, friendly and helpful."

- Mr Packer, West Yorkshire

"Our family have been clients for some years now and we all agree that the team at Ludlow are both professional and efficient in all aspects of their work. Ludlow has a unique edge which is that they take a genuine interest in customer objectives and only then carefully consider the correct solutions. Furthermore you can be certain that the plans offered are reviewed regularly."

- Mr Shutt

"We have been with Ludlow for over 12 years since our advisor Steve Bayes joined the Company. We have always found Steve to be professional, financially experienced, and honest. Consequently, thanks to Steve and the Ludlow team we have seen our investments grow to a substantial level such that we have recommended several friends to join the Ludlow team who appear to be similarly impressed."

- Geoff & Sandra Clayton, Todmorden

"I have found the staff of Ludlow to be very knowledgeable and professional but at the same time very friendly and approachable. When one instructs new professional advisors it is most important that the client has utter confidence in the advice they are being given and that it is fully explained. I am pleased to say that we are happy to have Ludlow as our advisors."

- Mr Clueit

"My wife and I have been meeting with Ian Corcoran for several years for financial and investment advice in the management of our assets and my pension fund. Ian is knowledgeable, polite and courteous and we have always been confident in the quality of his advice which is delivered in a professional manner."

- Adrian Green

"I am writing to express my appreciation for highly professional financial services to my family by focusing on our goals in caring and efficient manner. My accountant recommended David Hardman at Ludlow, who is very approachable and always helpful. Our finances have done really well under his guidance and I wholeheartedly support David and have no hesitance in recommending him as I have done to my children."

- Ashok Tanden, Preston

"Sarah Lees, my Ludlow advisor, is a very special and competent person who cares about me and my finances. She is a top class financial advisor and I'm very grateful to have her in my life."

- Elaine Almond

"We have been Ludlow clients for a number of years and despite moving away from Lancashire to the Midlands it never entered our heads to change our advisor. Ian Corcoran has provided advice on a wide range of topics and has become our 'go to' source of information. The relaxed atmosphere of our meetings and the prompt follow ups from Ian give us a lot of confidence and we recommend the Ludlow service to all."

- Gordon and Joan Herbert

"David Hardman and the Ludlow team have provided me with constant and good advice over many years. Their approach is very professional and businesslike but done in a way which is understandable and they are always contactable to discuss issues and ideas with. Trust is essential and their whole approach delivers on this important point."

- Ian Grant

"I have always been extremely happy with the service I have received. I am not particularly critical but feel that my money is safe. I find my financial advisor proactive, confident in the knowledge of his subject and easy to understand. He has offered practical advice based on my changing situation and I trust his judgement."

- Anne Fletcher

"Thank you so much for everything. I said to my husband on Saturday that you have changed our lives, and I really can't thank you enough!"

- Angela Lane

"I have been with Ludlow now for over 5 years. Our adviser, Ian Corcoran, helped to order a rather messy investment portfolio, and then gave valuable help over the formalities and practicalities arising from the death of my wife in 2014. Since my recent heart attack and bypass surgery, from which I am slowly recovering, I propose to obtain Ludlow's advice and assistance regarding the best way of making financial provision for my family."

- Graham Flack

"We would always stay with Paul Witkiewicz, he is the reason we are with Ludlow."

- Walter Melling

"Although I'm sure I'm nowhere near one of their wealthiest clients, the level of service and personal touch has always made me feel as though I was. I would highly recommend my advisor Simon Howard because when you put all your trust in someone you need to have the confidence that they're going to deliver. In conclusion, over the years they've looked after our money and so I would not hesitate to recommend Ludlow."

- Mandy Kelly

"I can honestly say, from my first contact on the phone, I felt I was the most important client to Ludlow. Ryan, my advisor, took the time to get to know me both on the call and in that first meeting. Ryan questioned me on what my priorities and aspirations were at that time and then prepared a report on how it was suggested I proceed to maximise the return within my risk profile. I cannot recommend Ludlow highly enough!"

- Belinda Singleton

"Ludlow, and in particular Emma Thomas, do what it says on the tin: they manage wealth. They understand what your wants and needs are, combineg this with a comprehensive knowledge of the complex world of investment products, and tailor to meet these goals. I have encouraged my family to invest with Ludlow, and several friends have asked to be introduced to Emma and have all switched to the Ludlow service."

- Mr D Brown, Chorley

"We have been clients of Ludlow for over 7 years and are currently looked after by Diane Lang. She has helped us with our long term planning so we are able to enjoy our retirement without worrying about the future. We recently moved to Cambridge and we chose to stay with Ludlow rather than find a local service. Diane was more than happy to accommodate so she now travels to see us. We are very happy to recommend Ludlow."

- Dr C Van Heyningen

"We have been with Ludlow for over 10 years now and have been delighted with all aspects of the service they have provided. They have always been very helpful, explaining detailed processes and giving excellent advice. My mother suffers from dementia and resides in a specialised care home. Without Ludlow's management of her capital her finances would have been in a poor state."

- Mr Chignell

"I feel that dealing with Ludlow takes a big weight off my mind. Any communication that I have with them is dealt with swiftly and efficiently. I trust them to do their best for me in an area that I have little expertise."

- Mr Duxbury

"I have worked with Terry Cosgrove at Ludlow now for over seven years. Terry takes the time to get to know your personal situation and importantly to assess your risk appetite and life goals. Terry is a trusted partner and with him, you are treated as an individual investor, as opposed to 'one of many' and this is borne out in the performance of the investments that he manages."

- Stuart Quin

"Our relationship with Ludlow has always been a positive experience. Through a mixture of professionalism, approachability, friendliness, a high level of expertise and up to date knowledge, Jon (our senior consultant) has steered two nervous and inexperienced investors through the maze of options available, enabling us to identify to meet our objectives whilst minimising many of the concerns and doubts we previously experienced."

- Mr and Mrs Power

"We were fortunate enough to be introduced to Ludlow by a close friend. Our designated financial adviser, David, has helped us to invest our money and meets us regularly to update us on our portfolio and makes sure that we understand everything by explaining in simple terms without using jargon. We can honestly say that we have every confidence in him and would recommend anyone to contact Ludlow and talk to them."

- Mrs Hollinghurst

"We have been with Ludlow and its predecessors for 20 years, and with our adviser Ian Corcoran for the last 10 years. Ian has provided us with exceptional investment advice in a thorough and professional manner, but always with a personal touch. We very much value the fact that we feel the advice has been in our best interests, although my wife would probably disagree with the suggestion to 'buy the Aston Martin'!"

- Martin Parker

"We initially met Emma Thomas who guided us through the 'minefield' of investment options and we are currently looked after by Christopher Crichton-Rankin. The customer service that has been provided by Emma and Christopher has been excellent and we would have no hesitation in recommending Ludlow to anyone looking for financial planning advice."

- Mr & Mrs Uppard