For a client-centric organisation, the client journey is a key benchmark for success. At Sovereign® we are committed to exceeding client expectations. Here are just a few of the comments made by clients:


Malcolm Lay and his team at Sovereign® Employee Benefits have administered the Company Pension Scheme and benefits package for 15 years and it has been run smoothly and professionally for that time. They have provided invaluable support for several years in many areas of financial planning. As we approach the auto enrolment legislation, I am confident that they will guide us through the new rules with the minimum of fuss pointing out our options and choices. I would have no hesitation in recommending Sovereign® Employee Benefits as a sound, professional and compliant advisory firm.

Catherine Manning

Finance Director, Dann & Co


We are a commercial cleaning company who had reached our staging date and begun the Auto enrolment process. This was a new and very alien situation for us and after admitting defeat searched for assistance. We came across Sovereign® who were totally committed from the first tentative email. The result of their advice made the Pension process much smoother and not so daunting. What came across most profoundly was their knowledge, friendly but professional approach and ability to make one feel at ease. Even though our original support was some time ago I know they will always be at the end of a phone should I get into Pension/Payroll difficulties. Thoroughly recommend Sovereign® Employee Benefits to anyone in our situation.

Debi White

Executive Office Manager, Moores Cleaning Services Limited


I have used the services of Sovereign® Employee Benefits for the past four years and would highly recommend them to oversee company benefits. Quality and effectiveness of communication have always exceeded my expectations; from initial requests for information and proposal to the execution of our company healthcare scheme.

I liaise with Jackie Witcher, our account Manager, on all benefit matters and from day one her enthusiasm and drive have been instrumental in ensuring that we deliver the best packages we can. An astute relationship manager, Jackie has our interests at heart and always strives to uphold and exceed our expectations in service and excellence.

Elaine Duddy

HR Business Partner, Associated Press


I have worked with the team at Sovereign® Employee Benefits since 2006 when they were appointed to administer our existing Defined Contribution Occupational Pension Scheme. Since our association with Sovereign® began we have subsequently placed our Group Death in Service Scheme with them. Sovereign® efficiently administered the wind up of our Defined Contribution Occupational Scheme and set up our replacement Group Personal Pension Scheme. They have also been proactive in helping us to prepare for our Auto Enrolment Staging Date. Sovereign’s friendly staff have always provided a prompt and efficient service and I have no hesitation in recommending them for their knowledgeable and practical advice as well as all aspects of pensions administration.

Lorraine Hall

Operations Director, Access IS


I have worked with Malcolm and the team at Sovereign® Employee Benefits for several years now and they are currently appointed to administer our existing Group Personal Pension and our Group Death in Service Scheme. In addition, Malcolm and his Assistant Consultant also oversee my personal financial planning.

They have been very proactive in helping us to prepare for our Auto Enrolment Staging Date. Sovereign’s friendly staff have always provided a prompt and efficient service and I have no hesitation in recommending them for their knowledgeable and practical advice as well as all aspects of pensions administration.

Richard Reddyhoff

Managing Director, Dean & Reddyhoff Limited


Malcolm is an excellent Senior Financial Executive. Malcolm knows pretty much all there is to know about investment management and the market. I have known and worked with Malcolm for many years and his professionalism is second to none. He is always seeking opportunities and provides excellent solutions for the client. Malcolm is a very personable, good humored individual with a lot of integrity. I would be happy to endorse Malcolm.

Amir Hussain


We are a sailing club based on the Isle of Wight and found our obligations for the implementation of a suitable Pension Auto enrolment scheme to be a somewhat daunting prospect. Having engaged the services of Sovereign® Employee Benefits we were able to plan and then successfully implement our pension obligations to both our staff and the Pensions Regulator during 2014. Paul, Jackie and the rest of the Sovereign® Team were helpful and approachable at every stage throughout the process. I have no hesitation in recommending them as a friendly and professional firm who will ensure you fully comply with all your Auto enrolment responsibilities.

Jamie Nimmo

Sea View Yacht Club


Having been a business owner for 20 years plus I have been very impressed with the depth and detailed knowledge Sovereign® have provided me and the business.

They have also advised myself and my family on all pension/investment related issues, and we have regular reviews to discuss the global financial markets whilst making sure that our plans for income in later life are on track. I have no hesitation in recommending Sovereign®

Paul Marden


I have used the services of Malcolm and Sovereign® over the last 20 years in both the business I have managed and as my own personal financial advisor. From a business perspective they have proved invaluable in determining the best solution for staff pension provision, life assurance and related benefit schemes which has included regular and detailed interaction with all the companies’ scheme members and advice to management on changes in pension law and the effect on both the company and individual members.

As an independent financial adviser to my family, Malcolm has ensured that all aspects of our financial wellbeing including personal pension planning, investment advice and private medical insurance are catered for in a professional and knowledgeable manner. I personally am appreciative of the regular one to one meetings and regular contact which provides the opportunity to discuss how best to maximize our personal financial position. This advice is based on Malcolm’s understanding of financial markets and his ability to analyse and give guidance about the risk factors concerning the stock markets and suggest adjustments to our investments within our risk profile. I would highly recommend Malcolm/Sovereign® as a leading provider of independent financial advice for both companies and individuals

Tony White


We signed up with Sovereign to support us with Auto Enrolment and what seemed like a daunting task was made easy by Jackie and her team.

Jill Dale

Company Secretary, SeaSafe Systems Ltd


I have worked with Sovereign for a long time and they have always given good pension advice and as my confidence has grown over the years I have now made substantial financial investments outside of my pension.

John Hill


We are in the first stages of “Auto Enrolment” and I can honestly say that Kirsten has been extremely helpful in answering all my queries (and I have had quite a few the last week). She has answered my emails quickly and in a way that I could understand things and confidently pass on the answers to our employees. Nothing is too much trouble and it has helped me in my understanding of it all. We still have a bit of a way to go setting this up and I am confident with Kirsten’s help it won’t be too painful.

In the first instance I have been dealing with Paul Howarth and I still contact him occasionally to pick his brains. It is very refreshing to deal with people that know their field, are able to promptly answer any queries and are happy to do so. So thank you to everyone I really appreciate their help.

Margaret Derbyshire

Accounts Manager, Jorgensen


For many years I have been advised by Malcolm Lay, the Director of IFA (South) Ltd  I really value, extremely highly, the personal nature of the service I receive from such an experienced and senior adviser and I have complete confidence in his expertise.

We communicate regularly as necessary and, twice each year, he visits me in person to present an analysis of my investments in a very thorough yet straightforward and understandable way:  that’s important to someone like me who is unfamiliar with the complexities of investment strategy and who lacks the wherewithal to make informed decisions on my own.  The values of my investments are individually tracked and there are cross-referenced analyses relating risk, volatility and performance.

Each time, I am left with a document which clearly delivers and records all this information together with a comprehensive portfolio valuation.  During our meetings we discuss the strengths and weaknesses of individual investments and the performance of investment products.  Throughout, Malcolm provides measured advice tailored very specifically to his own thorough knowledge of my personal circumstances and attitudes to risk and with an eye also upon economic trends, political climates and currently prevailing expert opinion.

Malcolm is extremely knowledgeable in all these fields.  Very shortly after each of our meetings, he follows up with a report which summarises the issues discussed and sets out his investment recommendations.  Each recommendation is fully justified by an comprehensive list, often of numerous reasons for taking the action proposed.  Professional codes of conduct are scrupulously followed and the mechanisms which relate to professional remuneration are made wholly transparent.  Malcolm gains office support from people who are clearly experts in their own right on the issues involved as well as knowing all the related administrative requirements.

Friendly, energetic, resourceful, thorough, expert, analytical, measured, targeted, justified, highly professional, transparent and giving specific advice which is personally tailored to the client.  This is a great service.


Nigel Lowe

Macallan Penfold - Chartered Architects


Over the past three years Sovereign and their adviser Paul Howorth have provided sound friendly advice on a number of financial matters from pensions to protection to both us personally as Directors and to our business. We genuinely trust and appreciate their professional knowledge and welcoming manner. In our experience Sovereign offer a first class financial advice service.

I would have no hesitation in recommending their service to others.


Shawn Young

Technical Director, Coil Maintenance Ltd


Sovereign have acted as administrator of our final salary pension scheme for a number of years.  Donna Ayrton at Sovereign has always been very helpful and responsive.  We recently went through a complex buy-out exercise and Donna’s support was invaluable, she was particularly good at providing information in plain English and reassurance to the members during the project. 



Richard Bryant

Professional Trustee,


I recently engaged Sovereign to assist me with the set up and implementation of our new Workplace Pension Scheme as required under the Automatic Enrolment legislation. Jackie helped me to plan and then successfully implement our pension obligations (the process is still ongoing). She has been very helpful and approachable at every stage throughout the process and I have no hesitation in recommending Sovereign as a friendly and professional firm who will ensure you fully comply with all your Auto enrolment responsibilities.



Chris Powles

Company Secretary, Langstone Engineering - Toolmakers and Precision Engineering