My husband and I had recently got to the age where we were starting to think about retiring! We thought that we would need to start some serious planning if we wanted to retire early (the dream would be by age 60) and so we engaged the services of Ben to help us look at what we had and what we needed to do to make the dream a reality. Ben asked lots of questions about our needs and wants as well as our assets and financial commitments which resulted in a comprehensive report outlining our options. Ben’s approach is direct, honest and thorough which really built our confidence and he took time to explain and guide us through the report. With his expertise we were both able to take early retirement.... 4 years earlier than planned! We have been so thankful for the advice and support Ben has given us and continues to give us, recognising that without his financial expertise we would not be in the healthy financial position we are in today.

We met Ben at a very difficult time of our lives when we were at our wits-end regarding our finances. He was empathetic, trustworthy and never judged us. He gave us great advice and helped steer us on to the path we now travel on. That was a year and a half ago and we have sorted out our insurances and pensions and are now in a good place. This is by no means the end of our relationship with Ben as we will now have a yearly MOT and from that who knows! This has all been down to Ben's shrewd financial planning and sound creative knowledge. We are very grateful to have been given an introduction to him and highly recommend his services to anyone needing them.

I highly recommend Stem Financial for retirement planning. Ben was amazing. So patient and helpful. He made the whole process much easier for me. I’m now able to make informed decisions about my future rather than hoping all would be ok. 

Ben has recently started helping us with our financial planning. We are impressed with the clarity, passion and integrity with which he works. Understanding finances can be very confusing but Ben finds ways of making things clear. The obvious enjoyment and knowledge he has of his subject help enormously with that quantity of communication. Added to this, the fact that Ben won't sell you what you won't benefit from makes him easy to recommend. 

We have recently taken early retirement. This was due in part to the excellent service we received from Ben Baldwin. His skills, expertise and advice have meant our finances are working for us, giving us a good quality of life. Ben was professional, courteous and understanding of our specific needs and questions. We would highly recommend Ben's work. 

I was introduced to Ben through my son to help me invest my inheritance from my parents. I have never had to deal with large amounts of money and the whole thing scared me. We met up in a non threatening coffee bar in London and chatted about what I wanted out of life, things I had coming up and my dreams. I had four more years at work in a job where the enjoyment had gone completely but no way of retiring early. I must admit the paper work scared me but Ben did his upmost to make it simple and understandable for me. Ben answered any queries quickly and let my son be included in the loop to help me understand things. When all things were sorted and everything covered, Ben arranged so I could retire straight away I wasn’t sure who was happier me or Ben! Would I recommend?...it’s a yes from me!

Ben has recently started helping us with our financial planning. We are impressed with the clarity, passion and integrity with which he works. Understanding finances can be very confusing but Ben finds ways of making things clear. The obvious enjoyment and knowledge he has of his subject help enormously with that quantity of communication. Added to this, the fact that Ben won't sell you what you won't benefit from makes him easy to recommend.