Case study: Managing finances after losing a loved one

Emma, Crowthorne, Berkshire

Client since: 2019

Adviser name: Jessica Lyons


My name is Emma, and I’ve been working with Jessica Lyon for about two years, ever since my father died.

My dad had been working with Jessica and Rob for quite a long time, so when he died, my mum and I needed to make contact with her and sort out his finances, and to make sure we knew what was going on. That’s when we first started working with Jessica.

She’s basically helped us to understand my dad’s investments and shed light on all sorts of things that had never crossed our minds before. She managed it in a really gentle way to ensure Mum was comfortable with the whole process, and matched her explanations to Mum’s level of expertise in finance. I was bit more questioning and wanted more detail, but she was able to manage both of us really effectively.

She made things very easy. She honestly made me feel like I was her only client. She was always available but, with the pandemic, we’ve met a lot on Zoom. This felt really comfortable, though, and I felt like I knew her well. It was brilliant, actually, because despite Mum being in a different place, we could actually all come together and chat about things. She was equally able to email long messages so that if we hadn’t fully taken things on board during the Zoom call, she could reiterate it all more clearly via email.

Jess made Mum feel really comfortable. Mum felt she had a lot on her plate and a lot of sorting out to do because my dad sadly died very unexpectedly. But Jessica was really kind, patient and happy to explain things in detail. She was available whenever Mum wanted her to be. Mum was also reassured that Jessica was happy to talk to me as well, as there were certain things that Mum didn’t want anything to do with. But because Jessica could speak to me, and I could then transfer that information to Mum, Jessica made it very easy for us to approach things in a way we were both comfortable with.

The three words I would use to describe Jessica are patient, intuitive, and kind – not necessarily words that you would expect from a financial advisor! But in me and my mum’s experience, these qualities have meant the world.

The best thing about working with Black Swan is feeling that they are completely on top of everything and that they understand our situation. They take a big-picture view of everything, but equally have been able to drill right down to the detail and simplify what is a very complicated process. That said, they haven’t dumbed it down or simplified things ineffectively, and the situation has been handled really well.

I would really recommend Black Swan. They have helped us through a really difficult process, but have done so with patience, kindness and efficiency. I almost feel like Jessica has become a friend, and the way that she has managed our case has been really helpful and kind.

Client testimonials

I have always found Black Swan to be caring and understanding of my quirky lifestyle. I always feel they try to get me the best returns while respecting my current needs.

Sally Muir

A client since 2011

We would be very happy to recommend the support and service we receive.

Valerie Locks

A client since 2010

I have always been completely useless regarding finance - thankfully our financial adviser is not! I've retired with far more than I ever expected and investments continue to grow safely. So - thank you!

Bernadette Jane Warner

A client since 2000

Very happy with the professional service I have received and feel a lot happier now with my finances put in order.

Martin Field

A client since 2011

Julie Cooper was recommended to me by a work colleague. She has been very helpful, professional and has explained everything well. I would definitely recommend her services to anyone else who are interested in a financial review.

Steven Rooke

A client since 2018

…Service has been first class.

Hugh Fells

A client since 2012

My face to face meetings with Rob Young and Jessica Lyons have always been very open and understandable. My questions have been answered clearly and I have left feeling that my financial matters are in good hands.

Sandra Jack

A client since 2000

[A] safe pair of hands in a complex financial world.

Gary Middlehurst

A client since 2003

A reliable company with good communication skills and good knowledge of the financial markets.

Alan Evetts

A client since 2014

Maureen Pembridge is a long-time trusted advisor to our family. The market might fluctuate but her attention to detail is consistent.

Linda Burnard

A client since 2000

I am pleased to recommend Julie as a trustworthy financial advisor. She explains financial jargon in plain language, and always listens carefully to my particular financial needs and has helped me make the best of my savings.

Carolann Samuels

A client since 2010

I have always been satisfied with the way that Black Swan has handled my account. And I have always found the staff very helpful whenever I need to call the office.

Robert Anthony Matthews

A client since 2012

An excellent personal service from a person I know and trust.

Michael Dalton

A client since 2010

I am getting a very good services from Black Swan, they have got my investments sorted out which was in a bit of a mess.

Roy Jakens

A client since 2012

A good, efficient team providing clear ideas to shape a winning strategy.

Adrian Michael Levenstein

A client since 2011

Black Swan is a company to be trusted, with friendly staff and professional advisors.

David Brian Jennings

A client since 2017

I have been with Black Swan for many years. I have never wished to change anything. They give a good straight forward service.

Martin Barrett Brooks

A client since 2010

Andy Peters has been invaluable in firstly combining several pension pots and then giving excellent investment advice. It has given us a great deal of comfort to know that our financial affairs are in such good hands.

James Guillum Scott

A client since 2014

I find my financial advisor easy to talk to and feel that she understands my lifestyle. She is always available for help when I need her and explains in words that I can understand.

Margaret Ena Glasgow

A client since 2000

Andy is a first rate Director, excellent communicator and leader.

Ross Perry

A client since

Black Swan Financial Planning and Andrew in particular, are very clever at working out how risk averse we are, and coming up with solutions that we feel comfortable with. We are happy in the knowledge that we can continue to enjoy a comfortable retirement. Andrew Peters is a very, very friendly person who is great to chat to and easy to deal with. He explains things very clearly in layman’s terms, and if we still don’t understand, he explains it until we do!

Alan & Jane Dyer

Clients since 2012

We have always found Rob [Young] to be very approachable and knowledgeable. We have every confidence in the advice given and feel comfortable with the decisions we’ve made. There are certain opportunities that we wouldn’t have known about if Rob hadn’t brought them to light, which makes the advice good value for money as far as we’re concerned.

Peter & Pauline O’Halloran

Clients since 2013

Rob [Young] is extremely knowledgeable. I knew nothing about the different types of trusts which will not only secure my income in retirement, but also leave a legacy for my children. I’m glad that I sought his advice when I did.

Sarah Wilson

A client since 2015

I am extremely happy with the service afforded to me by the company and my adviser Julie Cooper.

Geoff Coxell

A client since 2010

My wife and myself have been dealing with Black Swan for a number of years. We have met with different representatives from the company over the years and have found all very helpful in their own way. We met with James [Anderson] a few years ago and found him very helpful and knowledgeable. He keeps in contact with us on a regular basis. We find the Company information very helpful and we feel very secure with our finances.

Andrew Kirchen

A client since 2015

I have always found my adviser to be easy to contact, very professional in his approach, yet friendly and understanding. I have a sense of an experienced company behind him, really on the ball financially and with good standards.

B McBean

A client since 2011

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