1. TREATING CUSTOMERS FAIRLY
DAVID WHERRIT
CLIENT TESTAMONIALS
I would like to express my entire satisfaction at the manner in which
Mr D Wherrit conducted the consultations from the very start to the very
end.
Mr A & Mrs J S, Wirral, 3rd
January 1996
We are writing to inform you that we were very impressed with David’s
professional approach to his work and, on a more personal level, we
found him pleasant, friendly, competent and extremely helpful. The fact
that he lives locally is also a bonus.
Mr K & Mrs B B, Stockport, 18th
November 1998.
I would like to express my thanks to Frizzell and in particular David
Wherrit, for the financial advice I received recently. I found David to be
very helpful and the advice and its presentation was very professional.
Miss B B, Stockport, 14th
February 1999.
When I retired from 40 years local government service in March 1996, I
was recommended to Frizzell as a trusted firm of independent financial
advisers, who could advise me on the investment of my final lump sum.
Your Mr David Wherrit was allocated to us and provided us with advice
which my wife and I accepted. The investments made have performed
very well. Mr Wherrit, s “after care” has been welcome and thorough and
he has advised us on a number of associated matters [LTC & IHT]. He
has subsequently advised both our daughters who are beginning their
professional careers as Doctors in London and they too, have been very
happy with his advice and the manner of giving it. I am sure that some
clients are only too willing to write and complain if they feel that the
advice has let them down, so I thought that I should inform you [Regional
Manager] and Frizzell of our appreciation of Mr Wherrit, s services to us
since 1996.
Mr & Mrs R D, North Wales, 28th
June 1999.

2. My husband and I feel we aught to write to you, to express our complete
satisfaction with the guidance we have received from your representative
Mr David Wherrit. On my retirement 7 years ago and recently on my
husband’s retirement Mr Wherrit was on hand to advise us with our
investment strategy to ensure maximum benefit from our savings.
Following his advice, has meant we are enjoying a worry free retirement,
happy in the knowledge that, should we have any problems David is
always available to give assistance. We have no hesitation in
recommending the services of Frizzell after experiencing the
professionalism of Mr Wherrit. David does not know we are writing to
you [Regional Manager] but we have no objection of you informing him,
if you so wish!
Mr & Mrs L, Oldham, 8th
July 1999.
I write to express my appreciation, satisfaction and the friendly but very
professional manner, in which my recent financial investments were
handled by Mr David Wherrit. His clear, easily understood information
and advice, together with an honest approach to his work, puts the client
at ease and is the reason why both myself and my wife have, for some
years, trusted his judgement with our investments. I thank him again for
his recent help and wish him a successful future.
Mr S & Mrs S H, Warrington, 17th
May 2000
May we say how happy and confident we have been by the service and
advice provided. We have a structured three phase plan, to date phase one
has been completed and phase two is making progress. We feel that a
bond has been created between ourselves and David, on both a
professional and personal level. We trust that this will continue in the
future.
Mr R and Mrs E T, Anglesey, 13th
October 2004
We had no hesitation in transferring our accounts for David to look after.
He has continued to give us good advice and recommendations. In
February this year my husband past away. I am writing to say how
helpful David has been over the past few months and how happy I am
with the service I am receiving.
Mrs A K, Macclesfield, 28th
October 2004

3. We have always been very happy with David’s advice and the friendly
service he provides. After our initial investments made over ten years
ago, David has listened to our needs and attitude to investment risk and
has adopted and refreshed our portfolio accordingly. In these
circumstances, we hope our association continues.
Mr S and Mrs S T, Stockport, 18th
October 2005
David provides sound and valued advice, which he delivers in an
enthusiastic manner. His enjoyment in his work is evident which
increases our confidence in his recommendations.
Mr I and Mrs L H Runcorn, 25th
July 2005
We have received good advice, friendly service and positive results over
several years. David Wherrit has always been very helpful and we are
well satisfied with his input.
Mr D and Mrs S H, Manchester, 7th
July 2005
We would like to say a big thank you to David for all his help with our
finances over the last few years and for the excellent service we receive.
Mr B A and Mrs P A C, Macclesfield, 6th
June 2005
Completely satisfied. Always friendly, efficient and very professional.
Mr J and Mrs M L, Bolton, 30th
April 2005
I am very satisfied with all advice given by David Wherrit over the years.
I find David an excellent advisor and friend.
Mr L C M, Stockport, 6th
July 2005
David Wherrit has been managing our financial affairs for nearly 15
years. His help and advice on investments has enabled us to enjoy a
worry free retirement and to look forward with optimism to the years
ahead. We have always appreciated his care and attention in financial
matters. We recommend the service he offers without reservation.
Mr P & Mrs M L, Rochdale, 24th
January 2006
We both found the advice and service that we received was excellent.
Any concerns that we did have were dealt with in a pleasant and easy to
understand manner.
Mr C and Mrs G E, Connahs Quay, 5th
September 2006

4. Our IFA David Wherrit is a most welcome visitor. Frank discussions
about the full range of money matters boost our confidence in any
decisions we make. We value all his advice and support and are most
grateful for all his active help and hard work on our behalf.
Mr I and Mrs E M, Stalybridge, 4th
September 2006
We find in David a fund of informed, relevant information from which
we have benefited over the years.
Mr P and Mrs M, Chester, 7th
November 2006
Considering our almost total lack of experience in this area, we have
found the process of financial planning and investing easy and enjoyable
with the benefit of your advice and support. We are very satisfied indeed
so far! Many thanks.
Mr D and Mrs K H, Conwy, 13th
November 2006
Extremely satisfied with the friendly and efficient service provided by
David.
Mr D and Mrs P B, Malta, 21st
August 2007
I am impressed with the level and personal nature of the service received
from Mr David Wherrit. I look forward to continuing discussions about
my present and future financial arrangements.
Mr D C P, Llandudno, 17th
March 2008
I have been very pleased with the advice of Mr Wherrit since 1995.
He is invariably courteous and friendly and his advice has proved itself
over the years.
Mr R D, Swansea, 25th
September 2008
We got a great deal from our meeting the other day and we appreciate the
time you took and your sensitive and understanding approach.
Mr A G, Bolton, 15th
May 2009
David has been my financial adviser since 1992 and also my wife’s
adviser a few years later. The advice given has always been very
professional and successful. We will retain our very professional link
with David as, in addition to being our joint financial adviser, he is also a
good friend.
Mr A and Mrs C H, Liverpool, 10th
March 2010

5. Expert advice has been given by David at all times, in an unhurried and
friendly manner which has been appreciated.
Mrs B D, Nantwich, 10th
March 2010
Thanks for making it a pleasant experience.
Mr M and Mrs J G, Wrexham, 11th
March 2010
David Wherrit advised myself and my wife on our retirements in 1995
and our recommended investment portfolios. We are following David as
his previous friendly advice has proved reliable, profitable and current as
it remains today.
Mr S and Mrs S T, Hazel Grove, 11th
March 2010
We are more than happy and satisfied with the advice and help we have
received from David, over what is now a long period of time [1995].
Advice is tailored to meet what we wanted and with more than an
adequate explanation and information. Please do not wait to be asked and
feel free David, to call on us anytime, if only for a coffee or a breather.
Mr A and Mrs J G, Bolton, 11th
March 2010
We have used David’s services for the past 13 years. The help and
guidance we have received regarding our investments have been first
class.
Mr B and Mrs P C, Macclesfield, 11th
March 2010
Thank you very much for the help, advice and prompts service we have
received from you over the years. This is much appreciated.
Mr R and Mrs M H, Anglesey, 19th
March 2010
I am very satisfied with the service we have received from David and
have recommended his services to friends.
Mr C and Mrs I P, Anglesey, 24th
March 2010
You have given us very good advice since 1993, when I retired and we
have been well satisfied. I wish you the very best of success with your
move to Mutual Financial Management.
Mrs P W, Middlewich, 8th
February 2011

6. Our aim has always been to have sound financial management of our
portfolio, with a personal link that would understand our needs and look
after our interests. Over the last 6 years we have developed an
understanding with David, also a friendship and trust. We hope that this
will continue with Mutual Financial Management.
Mr G and Mrs E, Anglesey, 8th
February 2011
Thank you SO much for SO much, David.
Mrs M M, Stalybridge, 8th
February 2011
David – Many thanks for all the time and energy spent, concentrated
on my affairs. I think my “heirs” are pretty impressed too!
Discounted Gift Trust
Mrs E, Stalybridge, 10th
June 2011
David’s expertise and enthusiasm has kept our financial affairs in good
order for many years. Long may he continue.
Mr E & Mrs H W, New Mills, 14th
June 2011
My wife and I have known David for 20 years, so much so that he is
virtually one of the family!
The investment portfolio that he suggested when I retired certainly has
borne plenty of “fruit” over the years and only needed minor adjustments
to suit market and political conditions.
Anyone looking for sound financial planning would be well advised to
consider David for guidance.
Mr I & Mrs D F, Chester, 21st
July 2011
David Wherrit has been our Financial Advisor for very many years and
we have felt safe and secure in his hands. His advice has always been
good and he takes great care in providing a Personal Investment Portfolio,
to meet our needs. His knowledge of the Financial Markets is excellent
and his ability to provide balanced and well structured, individual plans
cannot be faulted.
Over the years David has become a friend and someone whom we
quickly turn too, when we need Financial Advice.
Thank you for the recent work you have once again completed for us.
Sheila and I are very satisfied with the service we have received and we
would recommend your expertise to others.
Thank you and please drop in for a cuppa, if you are in the area.
Mr S & Mrs S H, Culcheth, 16th
June 2012

7. We have known David for some years now and his manner,
professionalism, advice and guidance have been invaluable in supporting
our financial planning regarding our mortgage / university fees / and early
retirement etc.
His patience and honesty ensure we know exactly what we are investing
in, with the potential risks, shortfalls and gains for each situation clearly
explained.
Mr I & Mrs J K, Mold, 18th
June 2012
We continue to appreciate the financial advice you have given us over the
past 20 years. Your visits are always welcome and informative.
Mr F & Mrs J S, Stalybridge 21st
June 2012
We have known David Wherrit for a number of years now and we are
confident that our investment portfolio is well looked after.
Mr & Mrs G & E T, Anglesey, 25th
June 2012
We would like to thank you very much for all your hard work in making
all the necessary arrangements required.
It is always a pleasure to do business with you [over many years]
knowing from experience that you will always do your best for us. Keep
up the good work at Mutual Financial!
Mr D & Mrs S H, Chorlton, 20th
November 2012
David and I have always been pleased with the help and advice that
David Wherrit has given us. David has been our adviser since the late
1990,s and has never pointed us in the wrong direction.
We would highly recommend him.
Mr D & Mrs D B, Crewe, 21st
November 2012
The potential for confusion and getting things so badly wrong was
removed by David Wherrit, s professionalism, clear advice and more
importantly, his ability to deal with all of the paperwork in a way that
made things easy for me. Whereas previously I had to wait for summary
reports from the investment companies, I am now able to track the
progress of my investments online and on a daily basis, should I wish to
do so. This does give me much more confidence about how my
investments are progressing and also enables me to contact David, should
I wish to review any of the decisions about the investment portfolio.
Mr M H, Rhuddlan, 20th
November 2012

8. David is helping us to get our finances under control and to structure a
plan for the family’s future.
We have been very grateful for his advice, quality conversations, council
and patience!
David is very easy to work with and is highly trustworthy.
Thanks very much!
Mr A & Mrs F M, Surrey, 20th
November 2012
I recently had my 5 year investment portfolio review, that’s how long I
have known David. No one could foresee the crash in 2008/09, so as
advised, I just stayed put with my cautious portfolio and hoped things
would improve, which they did.
I am very pleased with the move to Transact Online, as I know that David
is only an email or phone call away if I need to change things quickly.
David is always cheerful and courteous when he visits giving clear,
concise information, which for a person who is not familiar with the
dynamics of finance, is just the job for me.
I value his advice very much!
Ms. M H, Conwy, 21st
November 2012
We transferred our accounts to David Wherrit at the beginning of this
year, after he was recommended to us by close friends.
David carried out a most thorough review of our finances and did a
tremendous amount of work to improve our investment situation.
David conducts his business in a highly professional and friendly manner
and we would have no hesitation in recommending his services to others.
His help and support have been invaluable!
Mr D & Mrs M H, Culcheth, 20th
November 2012
Many thanks David. So far so very good.
I am very pleased, satisfied, reassured and confident with the move to
Transact Online, following your recent advice.
And it’s a huge thanks to you personally David, as ever.
Mrs E, SK15, 23rd
November 2012
I have known David Wherrit since 1990 as my financial adviser and I
have total confidence in his professional knowledge and ability.
I particularly appreciate his holistic approach and his desire to understand
the family background, to which he can tailor his advice.
I have always been pleased with the performance of my portfolio,
particularly in the recent choppy waters!
I look forward to our continued association.
Mr J K L, Bolton, 24th
November 2012

9. Mr David Wherrit has been my financial advisor since 1993. I have
always trusted his guidance and sound advice with regard to my
investments, which so far have not failed to produce good results.
Mrs P P W, Middlewich, 22nd
November 2012
We are both very pleased and satisfied with your services.
Mr D & Mrs P B, Heathbank, 28th
November 2012
We have an excellent working relationship and understanding with David
A lot of new work has taken place of late, in particular with the
introduction to Transact. All of this went very smoothly.
We look forward to receiving more of the same in 2013.
Mr G & Mrs E T, Amlwch, 22nd
November 2012

10. Mr David Wherrit has been my financial advisor since 1993. I have
always trusted his guidance and sound advice with regard to my
investments, which so far have not failed to produce good results.
Mrs P P W, Middlewich, 22nd
November 2012
We are both very pleased and satisfied with your services.
Mr D & Mrs P B, Heathbank, 28th
November 2012
We have an excellent working relationship and understanding with David
A lot of new work has taken place of late, in particular with the
introduction to Transact. All of this went very smoothly.
We look forward to receiving more of the same in 2013.
Mr G & Mrs E T, Amlwch, 22nd
November 2012