We found Mike’s analysis and explanation helped us greatly in gaining clarity on all the various risks, issues, and considerations – a very worthwhile process and all done in a way that made it totally accessible to the layman.

- SB

I really can’t thank you enough for your kindness and understanding of my situation throughout the whole process. I felt very happy and confident from the outset that you would do your very best for me - and you certainly did despite the challenging timeline and the wretched coronavirus disrupting everything. A huge thank you - I really am very grateful to you for your professional excellence and your personal touch throughout and of course for bringing this transfer to a successful conclusion.

- JB

Mike Baugh provided a detailed analysis and recommendations as to whether I should transfer my defined benefit final salary pension into a SIPP, and the suitability of the platform and Discretionary Fund Managers proposed by my current financial advisor. Mike explained the pros and cons of leaving the final salary scheme and the cash equivalent transfer value process clearly and concisely, giving me the confidence and peace of mind to take the final decision. I have no hesitation in recommending Quantock Analytical as advisors on this complex and crucial matter.

Additionally, my discussions with Mike were invaluable in helping me to better understand my overall financial situation as I consider retirement.

- NY

In my dealings with Quantock Analytical and Mike Baugh I found them to be professional, knowledgeable and personable during the consultation for my Pension Transfer. The case for and against, and potential pitfalls, was explained in an unbiased manner and I felt confident Mike understood my financial situation and future needs and gave excellent assistance. I highly recommend Quantock Analytical for independent financial advice.

- GS

Just wanted to say a massive “thank you” for making everything straightforward, easy to understand and keeping me informed throughout the whole way.

- SW

I would (and already have) highly recommended Mike Baugh and his team at Quantock Analytical, if you need any assistance at all with pensions/financial planning. Mike guided me through the quite complex process of the transferring of my DB pensions, and after listening to my future requirements and really understanding my situation and lifestyle choices, he provided me with detailed forecasts, and fully explained my options so I could make more confident, fully informed decisions.

Quantock are a very professional company with great communication skills.

Mike, thanks for all your support and for being so wonderfully human!

- RW

I would like to take this opportunity to thank you for the work you have carried out for me, which has been first class, your skill and knowledge has ensured my pension will deliver exactly to the ambitious requirements we discussed at our first meeting. I would not hesitate to recommend your services as you make a subject which is very scary to many (including me) make sense. You have explained all decisions that I needed to make in a way that made my decision making very straight forward. Your attention to detail has increased cash available for my pension by £40K, who would ever think by paying the tax man you could be better off than taking a tax free lump sum whilst still retain the same level of pension payment, this was one of those decisions you made very easy for me. Finally anyone approaching retirement or considering early retirement I would highly recommend they use your services as the benefit of your insight and expertise is invaluable.

- PY

Quantock Analytical were recommended to me by a colleague who had utilised their services for a pension transfer. I have been delighted with their service, especially the advice from Mike (Baugh) who handled my case extremely efficiently and effectively. Most notable was the way the advice was given.....in plain English with a minimum of financial jargon. Mike made a point of listening to my plans for the future, some of which went against ‘text book’ financial strategies, which he was careful to point out in a clear and concise manner, but at no point did he adopt a superior manner and at all times respected my wishes.

I am grateful to my colleague for recommending Quantock, and I in turn would like to recommend them to anybody seeking clear, honest, cost effective financial advice. Thank you Quantock for an honest and professional service.

- PY

I would like to thank Michael Baugh for his patience’s and guidance in reviewing the pensions options available. His professional & friendly guidance confirmed our own thoughts on the way forward & would recommend his services to anyone who needed pension advice.

- RF

I would like to take this opportunity to thank you for all your help and support. At the beginning of this journey I was confused about how to proceed but you managed matters in a calm and professional way, always keeping me informed. I would be very happy to recommend you to friends of mine, and have already been asked by a work colleague for more information.

Thank you for all your help and for answering all my questions along the way. It really has been very much appreciated.

- YF

Just a quick note to thank you again for your time, you have definitely helped me clarify things and make sense of the pros and cons of this decision. I now feel settled at last leaving the pension scheme and confident this is the right decision. A huge relief!

- CD

I found Mike to be a very professional and knowledgeable advisor. During my pension review, he explained and walked me through the decision-making process, in a way which was inclusive and easy to understand. For me, this means currently, it is best that I stay put and don’t move my pension to any alternative plan.

When making choices with your pension, I would thoroughly recommend you organise a meeting with Mike!

- CS

The Company that provided the advice was Quantock Analytical - specifically Mike Baugh. We found him very honest, straight forward and easy to work with.

- GW

I have just had a chat with our client, who expressed his thanks for what he described as an “easy process, especially after hearing so many horror stories”.

So thanks for making me look good!

- LT (and Financial Advisor Introducer)

I am finally writing to you to thank you for your help in transferring our final salary pensions. It can be a daunting decision to make, not only because you are trusting someone with your pension pot but also in the decision, is it the correct one. We are thankful to you both as you kept us very informed during the process, highlighting the pros and cons of transferring, but also the speediness of the transfers when the decisions was made.

Both J and I are looking forward to our retirements this year, with confidence that we made the right decision and thankful that we used you Mike/Lucy to transfer our pension pots.

- JG & JG

Thanks for providing such a professional & comprehensive Pensions Analysis - I really think you've caught the essence of who I am & where I'm at (or want to go!) - & have provided a very fair, balanced & realistic risk/benefit assessment that's as easy as it can be for lay people like me to understand (& saved a few forests along the way).

I've spent the day studying every page in full (with a Pharma background I love a graph!) & concur with you that, with a sensible approach, there's every chance of a comfortable & sustainable retirement - phew!

In these crazy (& complex) financial times folks are not only looking for competency & expertise but also people they can TRUST - & you guys certainly fit that bill. And very happy to add an extra round of applause for Lucy's persistence with the scheme too!

- JM

Just a quick line to say thank you for your generous time yesterday, it was a huge relief for me to be able to talk with someone like minded and who understood my cautious approach to long term security. Consequently, I have now completed the forms for the pension with our agreed decision and sent them off.

You certainly have the ability to impart information and advice in a manner that is easy to follow, so thank you once again. I will certainly recommend you to anyone who is in need of excellent advice, and yes, should I need further advice I will contact you without hesitation.

- KH

We were delighted with the service provided by Mike Baugh. At our meeting he explained the Pension Transfer options in detail and in a way that both my husband and I understood.

- LH

I was advised by my solicitor to contact 3 independent financial advisers to gain advice and help during a very difficult time in my life. Quantock analytical was my third. I was dreading it as nothing had made any sense up to that point. Five minutes with Mike, putting things into plain English, I felt that I might be able to get to grips with my financial situation.

I left an hour later armed with simple flow charts that I understood and the confidence that made me feel in control of my life again. Nothing is too much trouble and his patience and understanding is exceptional.

I would highly recommend Quantock analytical, whatever your level of understanding in financial matters might be.

- MS

I Just wanted to say, once again, thanks for your advice and thoughts, regarding my pension move, as I really feel like a dodged a bullet!

- MD

The decision to investigate transferring my pension has been made so much easier being recommended to yourself. Your professionalism, flexibility with booking appointments, clarity, production of clear and concise factual information, well paced conversations, follow up and listening ear to any questions has been truly invaluable and made the entire process really quite painless.

I am happy to say the process has now all taken place and everything is in place.

- MC

From the moment I started to investigate the potential opportunity of transferring my pension and engaged the services of Quantock Analytical I felt that I had their full attention. Throughout the process Michael Baugh contacted me directly himself. Meetings and phone conversations were all about me with Michael listening. He put what initially appeared to be complex information into everyday terms that meant something to me and made sure I fully understood each item before moving on. His questioning would sometimes be probing and thought provoking for which I thank him as the questions were designed to ensure I was 100% happy with what I was trying to achieve. Forms were explained simply and made easy to complete. At no point was I made to feel rushed into the transfer of my pension, quite the opposite. Overall the process was made simple and less daunting than it could have been by the way Michael and Quantock Analytical dealt with me as an individual every step of the way.

- PA

Thank you for your very clear, concise and accurate information regarding the additional transfer from the scheme and a future benchmarking of the entire pension pot. I will be more than happy to recommend your services to any future clients as the time line and information has been absolutely superb.

- PJ

Thanks very much for all your help – the totally transparent and professional advice that you provided was absolutely crucial for me when taking this very important decision. It was much appreciated.

- RS

Thank you for sorting my pension transfer. I am very grateful for your clear and objective advice and would certainly recommend your services.

- RN

Thank you for your patience with me and thank you for all your help. I can't tell you what this means, a completely new life free from the stress of work. Thanks again and the very best to you and the team.

- SL

My wife and I went to see Mike at Quantock Analytical seeking advice about a trust that we have been managing for a number of years. We felt that it was time to review our options. His understanding of our situation was complete and thorough and he made suggestions of courses of actions that we had not considered possible before and which were extremely helpful.

I would have no hesitation in recommending Quantock Analytical to anyone looking for financial advice.

- TE

I worked with Mike Baugh on a pension review and I found him to be very friendly and helpful, great to deal with. He is a consummate professional and ensures that he is looking after his client’s best interests at all times. There is no hard sell and no pressure to do anything you don’t want to. I have been given sound and balanced advice that has set me in good stead for the future, for which I will always be grateful. Thank you Mike.

- TR

I was referred to Mike by my Financial Advisor, as I had a specialist pension transfer I wanted to reinvest. Mike has a lovely manner and is very easy to talk to. He has a wealth of knowledge, providing me with plenty of reports and illustrations, which gave me the information I needed, and provoking the thought required, to make the right decision, which surprised me. A personal, efficient and professional service, keeping in contact at pertinent times, with an approachable and able Administrator keeping things moving forward to meet deadlines. A big thank you to Quantock Analytical.

- WW

The timely and accurate communication you have provided throughout the transaction is much appreciated. In summary, the decision making process and advice provided by Mike was thoroughly professional and tailored exactly to my financial circumstances.

- PA

We found Mike to be very friendly and helpful, explaining everything in a clear way to ensure we understood it completely. We wouldn’t think twice about recommending him to our friends and family.

- TA

Thank you for your professional work on the transferring of my pension in November 2017…..I would like to say how smooth the transfer went ahead with no issues, as some of my co-workers are experiencing even at this present time, considering the dead line date was December. Many Thanks.

- CM

Mike from Quantock Analytical provided me with a highly professional and detailed analysis of my final salary pension, that enabled an evidence based decision process coupled with sound financial advice to transfer my pension to a new provider selected by me, that met my personal and financial needs in retirement. This has greatly enhanced my income and flexibility for early retirement whilst protecting my pension pot to pass onto my children. I would highly recommend Mike and Quantock. Many thanks for an excellent service. MH – North Somerset.

- MH

Just a quick note to say thanks for your help and advice. Your explanations were concise and as easy as these things get for a layman to understand. I appreciate your help and am only to pleased to pass on my recommendations should any future Clients need reassurance.

- JM

We really appreciated the pragmatic and supportive way you dealt with this, particularly in view of the time constraints imposed by the expiry of the CETV…..At all times you were clear about the fees, timescales and what we could expect from you; you met all milestones with a high standard of professionalism.

As you know we were so impressed, we recommended you to a friend, who I believe is in contact with you and who is following a similar path.


We needed specialist pension-related advice and Quantock Analytical were recommended. We were delighted with the depth and objectiveness of the advice we received, the considerable patience shown in answering our many questions and dealing with our concerns and the clarity with which the various options available were explained. Many thanks!

- TJ

I would like to say thank you for demonstrating the 5 key highlights of your service. Extremely helpful and pain free process, thank you.

- IM

Just a short note to say thank you for the professional and friendly way in which you guided me through my recent pension transfer.

Your advice and prompt responses to my questions made a very confusing and complex situation very easy for me to deal with.

I would have no hesitation in recommending your services to any colleagues and friends who require professional financial advice. Thank you once again!

- PB

Having dealt with Michael on our potential Pensions transferral, both my Wife and I were very impressed with both the depth of challenge on 'what is right for you as the Client' and the professionalism of his technical administration thereafter.

Michael is great chap to deal with and we would therefore have no hesitation in recommending Michael to anyone who needed this type of advice.

- TH

I had cause to use Mike Baugh to help me navigate the complex situation of a pension cash equivalent transfer.

He proved to be an excellent choice as his professionalism, allied to his friendly and helpful demeanour really helped me feel confident about the process that needed to be followed and he kept me updated at each stage in a simple and understandable manner.

I would recommend Mike to anyone who wanted to feel totally confident about any fiscal support they might require from him.

- AM

At all times Mike has been both friendly and professional with his analysis of our requirements, assessment of our risk criteria and his explanation of which options would best suit our future needs. Whilst he was unable to make specific recommendations he did however provide a report and an explanation of the relevant details, which enabled us to make an informed decision on our investments for the future. Once we made our decision, Mike acknowledged our requirements and engaged all parties effectively and executed the process within a timely manner.

We would like to thank Mike for his support and financial guidance and we would not hesitate to recommend him to anyone.

- JW

Just a brief note to thank you for your time, effort and efficiency in dealing with my pension review.

I was delighted with the information you provided with regards to the retirement options that were available and the explanations as to the 'Pros and Cons' of the Occupational Pension Schemes, Annuities, Pension Drawdown etc.

The various scenarios and the detailed analysis of the effects of inflation, fund growth, falls in the market were made very clear and enabled me to make an informed decision in conjunction with you.

- SL

Mike, I'm grateful for your advice and guidance and felt totally at ease entrusting my pension requirements to you. I know I made the right decision.

- DR

Just wanted to thank you on your support and advise.

It is always a difficult and concerning process when deciding how or where to invest, but your input has been clear and concise throughout, and has made; what was clearly going to be a difficult process…..less stressful. In fact without your input and guidance I am sure I would have lost a significant amount from my fund based on their early calculations / quotes.

Once again many thanks for your support and guidance on what has been an arduous journey.

- RP

I would like to thank and recommend Michael Baugh of Quantock Analytical for his efficiency and professionalism in managing and overseeing the transfer of my pension fund. His level of expertise and personable approach in the advice he gave was to be commended. His explanation of options available, in layman's terms, left me in no doubt as to which option was more suited to myself and family.

I cannot speak highly enough of the service he gave.

- MT

Quantock Analytical Ltd.

Registered in England and Wales with company number 06677210. Registered Office 64 Staplegrove Road, Taunton, Somerset, TA1 1DJ.


64 Staplegrove Road

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