"I would like to thank Ranjit for his work in analysing my UK pension and providing me with all valid options resulting in me transferring my UK pension to avoid significant fees which were eroding the value of my pension pot. Momentum Pensions certainly dragged their feet and after many months, Ranjit continued to the end to get it done. I have no hesitation in recommending Ranjit to anyone who has a UK pension. I can be contacted if I need to emphasise my recommendation of Ranjit’s services"

"I can vouch for Ranjit’s persistent professionalism in getting my UK pension transferred to India. It is not an easy process and it took about 6 months to complete. However, if it was not for Ranjit’s ability and experience in managing and handling the entire process, I would not have achieved the better outcome I have today in terms of pension income (higher amount) and overall benefits. I am more than happy to recommend Ranjit who visited me personally in Gurugram / New Delhi to guide me through what needed to be done, I can be contacted for reference purposes, you can ask for my contact number so I can share my experience with anyone looking for UK pension advice."

"I have worked with Atwal Financial since 2008 when I was resident of Tokyo. They helped me to organise my financial planning and have since then continued to manage my savings and investments. I am happy to write this testimonial and now as a resident of the UK, I have always received regular udpates and Ranjit has helped with my UK tax planning as well. Their commitment to client servicing and being there consistently to answer questions, means I am very happy to vouch for them as a point of reference for their continued support 24x7."

"I used Ranjit’s services for transferring my UK BBC pension fund to India under QROPS and found him to be very helpful and knowledgeable. He was upfront about everything, and knows how the rather complicated and quite often frustrating system works. I didn’t have to chase him, in fact, it was the other way round. I have no hesitation in recommending his services."

"Mr. Ranjit Atwal has provided excellent professional advice and sterling service during much of the year, and has resolved difficulties that I had thought insurmountable. He has been unfailingly courteous, patient, trustworthy and effective when dealing with my financial requirements and the relevant parties in India and abroad. I am glad to have this opportunity to recommend Ranjit’s services unreservedly. I have met no better problem-solver who works very hard in his clients’ interests. With his advice, he provided the best outcome for my overseas pension with a higher annuity or income for life here in India."

"I contacted Ranjit Atwal seeking help with transfer of my Pension Entitlement under QROPS to India. Having understood my circumstances and requirements, Ranjit managed the entire process seamlessly. He acted on my behalf, arranged all documents required by the UK pension fund and completed the transfer successfully. This included identifying a very good advisor in the UK, as required by HMRC and FCA. I realise it’s a complex process which but for Mr. Atwal’s perseverance and constant focused follow up and effort would not have been possible. He was a classic example of a person with focus, attention and aggressiveness, when needed. After discussing various options with Ranjit, it was decided that transferring to an immediate life annuity in India would almost triple my monthly income compared to leaving it in the UK. Also, the life protection element for my family is now greater than leaving it with UK scheme. I would have no hesitation in recommending him for anyone looking for help with a UK pension assessment or transfer. He’s extremely affable and professional in his service and singleminded in making the client comfortable all through the process."

"I have known Ranjit Atwal as a financial advisor for long while I was in Japan. He remains in touch with me with his offerings and advises even after I moved to Singapore 5yrs back. He is a true professional, which makes him client focused. Ranjit is diligent in his regular follow-ups and continues to provide services on my old accounts."

"I have known and used Ranjit Atwal as a financial advisor for almost 20 years. I have found his services to be professional, efficient and reliable across a number of product areas including life assurance as well as saving for retirement. Ranjit is diligent to do regular follow-ups with me to check if I have new needs or changing circumstances. I continue to use Atwal Financial Services today as one of my key methods to receive financial guidance."

"It is with great pleasure that we endorse Atwal Financial for all the work they have done in connection with the incorporation and compliance of our new company Kanadoo LLP in India. As I am based in Spain it was important we partnered with a service provider that has a clear line of communication with client servicing standards that we expect. We look forward to our agreed on-going partnership."

"Ranjit has asisted me with my finances for many years, initially helping me extricate myself from a previously purchased plan that had proven highly disadvantageous. He set everything up to be as simple as possible to manage, and he was attentive to my accounts whenever conditions warranted. On top of being a good advisor, he is a friendly and entertaining guy and is always nice to hear from. I recommend him without reservation."

"I switched my financial planning arrangements to Ranjit of Atwal Financial as my previous advisers had shown little attention to my requirements and providing any on-going servicing. Further, my previous advisers (yes, they changed regularly) and his company had shown a complete lack of due care in setting up my plans to suit my needs and thus were not in my best interests. After working with Ranjit, he has continuously and regularly provided me with excellent service, contemporary and relevant advice and has worked tirelessly to rectify the errors of my previous adviser. I have no hesitation in recommending Ranjit and Atwal Financial. It’s just plain nice and comforting to have the same adviser, get a longer relationship, create a history, and not start from scratch each time. And when the advice then generates noticeable financial benefits, what more could you ask for?"

"3 years after my QROPS portfolio had been set up I had become totally disillusioned with the service being given by my financial advisor - fortunately my Trustee suggested I contact Atwal Financial which I’m glad we did!

Ranjit has managed to find a solution to turn the portfolio round from miserably failing to meet its objectives, losing 5% per year and costing tens of thousands of pounds in high management fees to a forward looking lean picture of decent yields and capital growth - we’ve been working closely together now for 3 months and would strongly recommend anyone to see what he may be able to help you with."

"Ranjit Atwal & Atwal Financial has provided me with a high level of servicing in relation to my investments and has efficiently handled all of my requirements over a number of years."

"Since first meeting Ranjit in 2007 back Tokyo, he has continued to provide me with sound financial advice and has helped me grow my savings portfolio with regular contact and updates. Ranjit has the ability to take what seems complicated and make it easy to comprehend so that I can make the best decision for my investment needs. I would have no problem in recommending Ranjit to my friends and colleagues as I know they will be in safe hands."

"I have known Ranjit for more than 15 years. Ranjit has been providing cost efficient financial advice and helped to construct a well balanced portfolio for me to achieve superior risk return profile. After the maturity of my previous policy in 2018, Ranjit has followed up and advised switching over to a more efficient platform with a broader access of wholesale funds which I wouldn’t otherwise have known about. I will not hesitate to recommend Ranjit for investment advice."

"I have used Atwal Financial as my advisers since 2002 when I was working and living in Tokyo for 18 years as General Manager of the world famous Tokyo Sports Cafe. I have since relocated back to the UK and still receive great service from Ranjit who regularly helps and advises me."

"Atwal Financial has been instrumental in setting up RST Clinics Ltd in India (www.rstclinics.com) and we have secured an on-going relationship to provide business strategy and to fulfill our company administration requirements. Their service is hands-on and personalised, everything we need to focus on our strenghts in relation to our business."

"I have worked with Atwal Financial since the early 2000’s and Ranjit has worked diligently to report on all matters relating to my financial planning and I have no hesitation to recommend him."

"I have worked with Ranjit for more than 15 years and have found him to be reliable and knowledgeable about financial planning. He has always provided me with the information I have needed and I have no hesitation in recommending him and Atwal Financial."

"I have been working with Ranjit of Atwal Financial for many years... since 2005 when I was at Morgan Stanley Japan. In our first few meetings he has established the trust... & I have always truly relied on him for his (investment) recommendations. He is professional & efficient... always keeps me updated on my financial plans. His India Desk has also offered valuable remote assistance with me dealings in India since I have been US based. I would be happy to recommend him to anyone looking for a financial adviser."

"I have used Atwal Financial as my advisers since the early 2000's when I was working and living in Tokyo as an Executive Director with Morgan Stanley and still continue to do now that I am in the UK."

"The India Desk of Atwal Financial advised me about the requirements for a cross-border telegraphic transfer from India to the UK. As I am based in Oslo, it was vitally important that I appointed someone who is knowledgeable in the nuances of NRE and NRO accounts, which belong to my parents. Also relevant was taxation and the different rules depending on the involved parties tax jurisdictions. I appointed The India Desk for remote assistance and they meticulously guided me through the transfer forms as well as collecting all relevant documentation to make the process hassle-free, which was reassuring as I am in Oslo. I have no hesitation in offering this recommendation."

"I have found Atwal Financial to provide an efficient, professional and reliable service. After 4 years receiving their advice and financial guidance I would not hesitate to recommend their services."