Reviewed for

Insurance and Protection ( 44 )

Mortgages ( 67 )

Pensions ( 204 )

Equity Release ( 77 )

Retirement income (annuities, drawdown) ( 116 )

Auto Enrolment ( 1 )

Investments and Savings ( 183 )

Pension Transfers - Non Specialist ( 49 )

Inheritance Planning ( 44 )

Long Term Care ( 23 )

Pension Transfers - Specialist ( 26 )

Financial Planning ( 44 )

Financial Mentoring ( 15 )

Financial Coaching ( 7 )

Reviewers' assets

£500k+ ( 26 )

£200k - £500k ( 54 )

£100k - £200k ( 44 )

£50k - 100k ( 30 )

Up to £50k ( 67 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement and wanting to discuss the option of transferring out of my DB Pension and how to initially invest the transfer of my DC Pensions.

How has Paul Clifford helped you?

Spending time to fully understand my risk propensity and objectives so that we can then benefit from debating the best decisions to be taken to achieve these.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

Nothing.

Paul's reply

Dear Jonathan & Claire it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lincolnshire

What were the circumstances that caused you to initially look for an adviser?

I was recommended to by a friend

How has Paul Clifford helped you?

He helped me transfer my pension to a new company

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Dear Sharon it was lovely to see you both recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Private pension advice

How has Paul Clifford helped you?

Paul advised me on options for my existing Virgin private pension which was subsequently converted to a Royal London pension with income release.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The advice I received from Paul was excellent in that it was clear and uncomplicated making the decision to proceed much easier.

Paul's reply

Dear Lynne it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

I wanted to move my defined benefits pension savings to a personal pension plan.

How has Paul Clifford helped you?

Paul oversaw the whole process of transferring the funds and found a suitable product for the personal pension.

Have you seen the outcome you were hoping for?

Yes, very much so.

Paul's reply

Dear Sean it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

We were looking to transfer existing pension funds and sought general financial advice

How has Paul Clifford helped you?

By explaining and guiding us through what can be a financial minefield to novices. He’s very knowledgeable, he will answer any question and provides you with the information to enable you to make informed decisions with confidence.

Have you seen the outcome you were hoping for?

Not quite yet but we feel we’re on track.

What could they have done better?

Nothing.

Paul's reply

It was lovely to see you both recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension advise ready for retirement

How has Paul Clifford helped you?

Paul has given me excellent advise and has always been honest with regard my expectations and guided me in the right direction

Have you seen the outcome you were hoping for?

It's not finished yet but I'm very confident

What could they have done better?

Nothing for me

Paul's reply

Dear Terry it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Was highly recommended via our previous financial advisor

How has Paul Clifford helped you?

Tremendously all through work pensions advice, equity release and retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing we can think of

Paul's reply

HI Pat I hope my email finds you both well and you had a lovely time in Devon recently. Thanks so much for taking the time to leave a service review on our behalf its really appreciated and helps us to deliver excellent customer care and service . As a reminder all fees are paid as a percentage of assets under management . I will re visit this with you when we see each other or if you prefer I can ring you to explain again. With kind regards, Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

It was a legal requirement before being able to access my pension fund.

How has Paul Clifford helped you?

With very sound advice and management of my pension affairs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No.

Paul's reply

Dear Nigel it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Poor Service from old advisors.

How has Paul Clifford helped you?

Setup long term pension and short term draw down pensions. Plus given years of advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot, service has always been spot on

Paul's reply

Dear Nick it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. The P60 should be with you , I emailed it across yesterday . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Wanting to ensure my pensions were all in one place and been looked acter

How has Paul Clifford helped you?

Paul gave me fantastic advise and explained the process and pension very clearly. He is always happy to give updates

Have you seen the outcome you were hoping for?

Yes the pension is doing very well

What could they have done better?

Nothing,great service and would highly recommend

Paul's reply

Hi Tim it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course... maybe roller-skating ! Best Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

pension transfer

How has Paul Clifford helped you?

Moved my pension effortlessly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Paul's reply

Dear Jo it was lovely to see you recently and catch up - I hope your trip was as wonderful as it sounded and you expected. Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Best Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Retirement planning

How has Paul Clifford helped you?

Knowledge that we don’t have

Have you seen the outcome you were hoping for?

So far

Paul's reply

Dear Nicola it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you all again in due course. Best wishes , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension

How has Paul Clifford helped you?

Put all my pensions in one place

Have you seen the outcome you were hoping for?

Yes

Paul's reply

Dear Andrew it was lovely to see you both recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you both again in due course. Have a wonderful trip to Italy . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

moved to Eastbourne ,cash to invest

How has Paul Clifford helped you?

Found the right investment for my needs.

Have you seen the outcome you were hoping for?

Going the right way.None

What could they have done better?

None

Paul's reply

Dear Derek it was lovely to see you both recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed advice on pension planning

How has Paul Clifford helped you?

Paul's helped me to plan fomy retirement and given financial advice in respect of investments. Also put me in touch with a solicitor to advise on making a Will and Lasting Power of Attorney

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't think of anything more they could have done

Paul's reply

Dear Rose it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Im so happy you are loving being retired and feel comfortable and financially free. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I suddenly found myself being responsible for my financial future and needed some help professional help.

How has Paul Clifford helped you?

Paul has been a tower of strength and has helped and advised me on several issues.

Have you seen the outcome you were hoping for?

Without doubt he has given me some very sound advice that has helped considerably

What could they have done better?

Absolutely nothing could have been done better. I appreciate everything he has done and is still doing.

Paul's reply

Dear Linda it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Have a safe trip . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Looked to consolidate pensions and secure benefits in the best way, and to invest a lump sum

How has Paul Clifford helped you?

Paul collated all the information from different providers, conducted an in-depth analysis and has been proactive in identifying potential opportunities and weaknesses in the markets/funds.

Have you seen the outcome you were hoping for?

Yes I secured the benefits that were important to me, and my affairs are ongoing

What could they have done better?

I think all advisers, whether through an advisory or discretionary approach should articulate their fees to the prospective client (Paul did do this in respect of the pension transfer) because there is a significant amount of information to absorb and I think sometimes the fees are lost in the discussion - that might be overload on the client’s part but fees are an integral component of the process.

Paul's reply

Dear Melanie, thank you for taking the time to leave feedback on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. ( I haven't forgotten lunch ! ) Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

I had investments that were losing money, so I needed an independent advisor to invest better for me.

How has Paul Clifford helped you?

Paul talked me through what he was going to do, the probable outcome and the costs. In the years following, he has changed the investments according to my circumstances and current needs.

Have you seen the outcome you were hoping for?

Yes. My investments have shown a steady growth over the years, despite the ups and downs of the markets and my needs to withdraw money.

What could they have done better?

Nothing I can think of.

Paul's reply

Dear Vicky it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. As always feel free to contact me directly anytime between scheduled meetings should the need arise or to chat anything through, im always happy to help . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Advised to seek an independent financial advisor by a respected work colleague as the company’s pension provider were not that helpful.

How has Paul Clifford helped you?

Very sound advice and he’s helped set up my pension requirements.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Dear Nick it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Enjoy the Cruise Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We needed advice to help us look after pension pots

How has Paul Clifford helped you?

Found the best investment bond

Have you seen the outcome you were hoping for?

Yes very much

What could they have done better?

Don't think so

Paul's reply

Dear Jim thanks very much for taking th time to leave a service review ,we really do appreciate client feedback on the service we provide . I look forward to seeing you both again in due course. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Ru ninv a hotel I thought it wise to get financial advice

How has Paul Clifford helped you?

Guided us through the years to hit our retirement goals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very happy with service nothing more required

Paul's reply

HI Terry thanks for taking the time to leave a service review on our behalf , its very much appreciated and valued. I will pick up on the points raised when I see you next and forward diary the protection need mentioned. I look forward to seeing you all in due course. Best wishes, Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had several pension pots that required bringing together and investing in a profitable scheme,

How has Paul Clifford helped you?

several pensions invested in one scheme. Paul and team always available for friendly advise.

Have you seen the outcome you were hoping for?

perfect, investment keeping ahead of schedule

What could they have done better?

Nothing, all good

Paul's reply

Dear Jeff ,thanks very much for taking the time to leave valued feedback on the service we provided to you , it is much appreciated. I look forward to seeing you both again in due course Best wishes Paul .

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension investments drawdown

How has Paul Clifford helped you?

Suggested funds. Also equity release advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

Paul's reply

Dear Janice , thanks very much for taking the time to leave valued feedback on the service we provided to you . I very much look forward to seeing you again soon. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Investing for retirement

How has Paul Clifford helped you?

Set up savings schemes

Have you seen the outcome you were hoping for?

Not totally due to pandemic and Russian invasion

What could they have done better?

Given the market not sure

Paul's reply

Dear John , thank you very much for taking the time to leave valued feedback on the service we provided to you both . I very much look forward to seeing you again soon. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed to transfer pension monies as a result of my divorce settlement

How has Paul Clifford helped you?

His knowledge, his expertise qnd friendliness has made my visits worthwhile. He has increased my knowledge of the financial market more.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything.

Paul's reply

Dear Tanya , thanks very much for taking the time to leave valued feedback on the service we provided to you . I very much look forward to seeing you both again soon as planned. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Financial mentoring

How has Paul Clifford helped you?

Streamlining my financial affairs.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

n/a

Paul's reply

Dear Aileen it was lovely to catch up recently with you and to see you looking so well. Thank you for taking the time to leave valuable feedback, its much apricated. I noticed on your responses you said we do not charge a fee ... all costs and charges are paid directly via the product rather than directly, I am please you have spoken to Jessica and hope you found my introduction helpful . Best wishes , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement. Help to invest a lump sum and future financial planning.

How has Paul Clifford helped you?

By doing the above

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

Paul's reply

Hi Debbie it was lovely to see you recently as always and many thanks for taking the time to leave a service review on our behalf. Client feedback is greatly appreciated. Best wishes Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

I had a final salary pension which did not give me the flexibility to adjust my income in retirement. I considered transferring my final salary pension to one which provided drawdown and sought advice from a financial adviser.

How has Paul Clifford helped you?

Paul explained the process for transferring a final salary pension in detail and was able to give recommendations as to the most suitable pension plan for my needs in retirement.

Have you seen the outcome you were hoping for?

Yes, the performance of the pension plan has been good and I have been able to draw down the amounts I require together with tax-free lump sums.

What could they have done better?

Nothing at all.

Paul's reply

Dear Chris it was lovely to see you recently looking so well. I hope you enjoyed the weekend in Eastbourne and you both ..I hope managed to try the steam room and spa ! Thank you again for the very unexpected gift and taking the time to leave valued feedback on the service we provide. Best wishes, Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

The need to release money from property.

How has Paul Clifford helped you?

Very helpful advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

oothing

Paul's reply

It was lovely to see you both recently as always and I very much hope you enjoy that nice long holiday in the sun. Thanks for taking the time to leave a service review on our behalf, its really appreciated by us all . Best wishes Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension planning

How has Paul Clifford helped you?

Yes

Have you seen the outcome you were hoping for?

A plan that will help me get there - yes

What could they have done better?

Difficult to say

Paul's reply

Dear Alnur thank you for taking the timer to leave a service review on our behalf, its very much appreciated. I look forward to seeing you again in due course ,Best Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Sutherland

What were the circumstances that caused you to initially look for an adviser?

retirement planning, pension and investment advice

How has Paul Clifford helped you?

explained what investments were, what the risks were, gave advice needed to make the right decisions

Have you seen the outcome you were hoping for?

yes, going well so far

What could they have done better?

nothing I'm aware of

Paul's reply

Thanks Ian for taking the time to leave a service review on our behalf . I very much look forward to seeing you both again in due course. Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I retired early and needed to access a pension pot

How has Paul Clifford helped you?

He arranged the transfer of the pot to a reliable investment company whose draw down product has enabled me to live happily until my state pension can be accessed next year

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Paul's reply

Lovely to see you both recently , thank you for taking the time to leave a service review , its really appreciated. Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

To transfer out of an employer pension fund into a personal drawdown scheme, then subsequently move a Section 32 pension fund into the drawdown fund.

How has Paul Clifford helped you?

Paul is very knowledgeable and has provided excellent advice that has helped us to take control and manage our pension fund

Have you seen the outcome you were hoping for?

Both pension funds were successfully transferred into a Prudential income drawdown fund, the fund has performed very well since it was opened.

What could they have done better?

Nothing that I can think of

Paul's reply

Dear Clive , thank you for taking the time to leave a service review on our behalf , its very much appreciated . Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension advice

How has Paul Clifford helped you?

Optimised investment

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very little

Paul's reply

Thanks Kevin for taking the time to leave a review on our behalf ,its very much appreciated ,Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needed advice regarding my pension which I had had for quite a few years and Paul was excellent in advising me and going over all the details which I wasn't sure about. Excellent advisor

How has Paul Clifford helped you?

Yes. Excellent advisor Explains the outcome very well.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

None. Happy with everything

Paul's reply

Lovey to see you both as always and thank you for taking the time to leave a service review on our behalf, its very much appreciated.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was near to retirement and needed professional advice.

How has Paul Clifford helped you?

He has put my pensions into order and advised me on drawdown and investment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

nothing .

Paul's reply

Thanks Pete for taking the timer to leave a service review on our behalf , I look forward to seeing you both again in due course.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Our inexperience and lack of knowledge of the financial world, particularly of available products and strategies to ensure security & stability, meant that we needed professional advice and support.

How has Paul Clifford helped you?

Paul has helped us enormously by understanding our needs, fears, and aspirations; and continues to support us, always adapting to meet our needs.

Have you seen the outcome you were hoping for?

Yes; Paul and his team have enabled us to realise a secure retirement, and guide us still.

What could they have done better?

Performed miracles perhaps? Oddly enough, as unrealistic as miracles may be, I wouldn't be surprised if they did!

Paul's reply

Thanks Ross for taking the time to leave a service review on our behalf , its very much appreciated by us all as its a team effort from myself and of course the fiscal elves. Thanks so much for the honey and marmalade -a real treat ! Paul

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

My husband was wanting to retire and we needed help to understand our options in respect of the personal pensions we had.

How has Paul Clifford helped you?

He has helped with advice on how to obtain an income from our pension funds which replicates my husband’s income when working

Have you seen the outcome you were hoping for?

Yes we have

What could they have done better?

Nothing. Very satisfied with the advice and support we’ve received. Paul was recommended to us by a friend.

Paul's reply

Dear Sue lovely to see you both and thank you for taking the time to leave a service review on our behalf, its very much appreciated. Were always here anytime as when and if needed in-between meetings. Enjoy your holiday ! Paul

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

We wanted advise when first looking at retirement and our pensions.

How has Paul Clifford helped you?

We have now been with Paul Clifford for more than 10 years and he has advised on investment, getting the best from our pensions and reviewing on a regular basis.

Have you seen the outcome you were hoping for?

Most definitely!

What could they have done better?

Know of nothing !

Paul's reply

Thanks Joan for taking the time to leave a service review on our behalf , its very much appreciated by us all as its a team effort. I look forward to seeing you both soon and wish you a lovely holiday. Paul

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed to pull various pension and savings schemes together, and Paul was the person who did this for me.

How has Paul Clifford helped you?

In so many ways. It has been Paul's ability to help myself and my husband with our financial planning that's enabled us to retire many years before the state retirement pension age, and he has kept us on the straight and narrow with regard to our assets, inheritance planning with my father and also managing the money we have available to ensure that it will last until September 2025 when I become 66.

Have you seen the outcome you were hoping for?

Yes – I would say better than I expected.

What could they have done better?

I don't think the question is relevant, as I have always been very pleased with the advice that Paul has given to me.

Paul's reply

Dear Brian thank you for taking the timer to leave a review on our behalf, its very much appreciated and we welcome the feedback .

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

The need to find a safe investment for monies received from downsizing on domestic property

How has Paul Clifford helped you?

Personal contact

Have you seen the outcome you were hoping for?

No but entirely due to market conditions prevailing

What could they have done better?

Nothing

Paul's reply

Dear Derek thank you for taking the time to leave a review on our behalf , we really appreciate your feedback . I will remind you of the fees payable. Best Paul

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

my last one retired, after looking after me for 20yr

How has Paul Clifford helped you?

Finding a new advisor was difficult, Paul has got to understand my particular situation and understands how to help me with my finances

Have you seen the outcome you were hoping for?

yes

What could they have done better?

not really,

Paul's reply

Dear Sally thank you for taking the time to leave a service review on our behalf, its very much appreciated . It been my pleasure getting to know you over the last few years . Paul

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I retired at 55 and needed an expert to guide me through the confusing maze

How has Paul Clifford helped you?

Paul gives me the information and options I need and explains everything so that I totally understand what's happening to my money

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing!

Paul's reply

Dear Donna it was lovely to see you as always, thank you for taking the time to leave a service review on our behalf, its greatly appreciated. Paul

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension consolidation and expert financial advice

How has Paul Clifford helped you?

Over the last few years Paul and his team have always offered great advice and assistance that he tailors for you, the individual. His team are always on time with booking you in for your financial reviews and offer their services at a time and place that is convenient for you. Unlike the majority of financial advisers, Paul is not a restricted adviser and this gives him the flexibility to offer only the best performing products. I have recommended several people via his refer a friend scheme, as I have 100% trust and confidence in him. True to his statement on his website, the £100 vouchers always arrive as promised with no quibbles.

Have you seen the outcome you were hoping for?

Yes, I am extremely pleased with the performance of my investments.

What could they have done better?

No.

Paul's reply

Thanks as always for passing my details to others ,its very much appreciated. I look forward to seeing you again for a coffee in the office and catch up .

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Always wise to seek help from a financial adviser, no matter how much or little one has saved/invested.

How has Paul Clifford helped you?

Over the years Paul Clifford has always given sound and excellent advice. Always leaves us feeling that we are in very capable hands.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Can't think of anything. Always happy with the service received.

Paul's reply

Dear Patricia thanks so much for taking the time to leave a service review , its very much appreciated.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

High street interest rates were very low. We wanted to invest our hard earned money for a better return.

How has Paul Clifford helped you?

Paul has guided us and offered us options we did not have access to or even knew existed.

Have you seen the outcome you were hoping for?

It has enabled us to achieve our goals.

What could they have done better?

Overall very pleased.

Paul's reply

Thank you Tessa for taking the time to leave a review on my behalf, it was lovely as always to see you both recently in the office, Paul

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was confused by all of the different options regarding my pension

How has Paul Clifford helped you?

Paul explained everything in a straightforward manner that I was able to understand

Have you seen the outcome you were hoping for?

Yes I am very satisfied with my plan

Paul's reply

Dear Jill it was lovely to see you recently. Thank you for taking the time to leave a service review, its much appreciated and helps us improve as a business.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I came into some money

How has Paul Clifford helped you?

Paul listened to what I required and sorted out the best investment for me

Have you seen the outcome you were hoping for?

As with all investments there are ups and downs. Hopefully in time there will be a better return on the money I have invested

What could they have done better?

nothing.

Paul's reply

Thanks tony for taking the time to leave a review on our behalf , its very much appreciated.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I inherited some money from my father on his death and I wanted to plan for the future so as to have a reasonable standard of living on retirement.

How has Paul Clifford helped you?

Yes he has - he has given us some good advice and food for thought. Explaining things like inheritance tax and how to avoid the tax man on death. Basically how to protect our finances to the best of our ability and how to save for the future so that we may have a reasonable standard of living!

Have you seen the outcome you were hoping for?

Not yet but it is early days!!

What could they have done better?

I don't know its ongoing and circumstances change!

Paul's reply

Thanks Anne for taking the time to leave a review on our behalf , your feedback is much appreciated. It was lovely to see you recently looking so well .

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I have recently retired and wanted to look for ways to maximise my pension lump sum.

How has Paul Clifford helped you?

Paul reviewed my individual circumstances and gave me confidence to invest.

Have you seen the outcome you were hoping for?

Yes - I have now invested in a scheme suitable for me, with risks being spread. I have already started seeing a profit, which I didn't expect at this stage.

What could they have done better?

Nothing

Paul's reply

Thanks Lisa for taking the time to provided feedback, it was lovely to see you again recently .

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I Became POA for my mum & therefore wanted to invest her money

How has Paul Clifford helped you?

He advised me on all the pitfalls & helped me choose the best way to invest

Have you seen the outcome you were hoping for?

It's been good , but Covid, Ukraine war & Inflation has affected the market

What could they have done better?

Nothing

Paul's reply

Thanks Darren for taking the time to leave a review on our behalf. I look forward to seeing you again in due course .

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Transfer of a Company Pension

How has Paul Clifford helped you?

Paul has provided excellent advice on retirement planning and investment which is designed to ensure that I have an income which will allow me to live comfortably as the years progress.

Have you seen the outcome you were hoping for?

Yes, now that I have retired I am receiving a net monthly income which is close to what I had planned.

What could they have done better?

Nothing

Paul's reply

Thanks for taking the time to provide feedback it was lovely to see you recently in the office. I must thank you both again so much for the lovely bottle of wine and fabulous packaging !

Repeat review from verified client

September, 2023

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul always helps me to find ways to manage financial issues and unexpected that crop up from time to time. His advice over the years has placed my husband and I on a steady financial path that has enable us to finish work, long before our State retirement date. His advice is always provided in a friendly, helpful and constructive way.

Paul's reply

Thank you Brian for taking the time to leave a review on my behalf ( its a team effort, i will be sure to pass on comments ) Paul

Repeat review from verified client

August, 2023

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has kept pace with my rapidly changing circumstances including semi retirement on health grounds. He goes to great lengths to understand my personal situation and requirements.

Paul's reply

Always lovely to see you both and looking so well , thank you for taking the time to leave valuable feedback

Repeat review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Kent

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

As last year, Paul has continued to give quality advice on markets for investment, to support my investments. And his team give excellent client support

Paul's reply

Thanks for taking the time to leave valuable feedback on our behalf , I very much look forward to seeing you both again soon.

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Paul

Very kind, very obliging, but was unable to help me because of my age. Thanks

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Our mortgage had finished and we needed investment advice.

How has Paul Clifford helped you?

Set up investment savings Set up pensions for both of us. Advised us on inheritance issues.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Don't know.

Paul's reply

Lovely to see you both as usual and thanks for taking the time to complete the review , its really helpful to gather client feedback to ensure we continue to offer great service to clients.

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I’ve not had an opportunity to ask Paul for advice recently

Paul's reply

Hi Peter thank you for taking the time to leave a review on our behalf , its much appreciated. Paul

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement with work-related pension and lump sum

How has Paul Clifford helped you?

Assessing our risk profiles and being clear about the options that would achieve our desired outcome

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything

Paul's reply

Thanks Duncan for taking the time to leave a review on my behalf, its very much appreciated.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension changes introduced allowing options with retirement funds.

How has Paul Clifford helped you?

Paul was able to explain the options and help me make what I believe were the right choices in managing my fund.

Have you seen the outcome you were hoping for?

Essentially I feel confident that my pension funds are being managed effectively without the need for me to be constantly monitoring this aspect of my retirement. I am also confident that should circumstances change or a situation arise which needs attention that Paul is accessible and has a clear understanding of my personal situation.

Paul's reply

Thanks for taking the time to leave valuable feedback on our behalf , I very much look forward to seeing you again soon.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had several different pension funds and needed advice on what to do with them.

How has Paul Clifford helped you?

Paul helped me to consolidate my pension funds in to a single drawdown fund.

Have you seen the outcome you were hoping for?

Yes The drawdown fund gives me the flexibility to take out funds when I need them for specific purposes.

What could they have done better?

I have always been very satisfied with Paul's advice.

Paul's reply

Dear Maryanne thnaks for taking the time to leave a rewew on our behalf , its very much appriciated . Best Paul

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

Multiple pension pots not moving as far as investments were concerned. Needed bringing all together and investing in a way that suited us

How has Paul Clifford helped you?

Merged all of our funds into one fund which in turn is split over multiple investments with different levels of risk. This had not happened before and our pension pots were effectively stagnant. Can see our funds easily now and can monitor performance. Also with regards to financial planning and advice on best use of tax breaks that we were un aware of.

Have you seen the outcome you were hoping for?

Yes. Improved performance in funds and very good advice in future as to how we take our pensions

What could they have done better?

Cant think of anything. They are always in touch with regular metings, and monthly news letters

Paul's reply

Thanks Phil for taking the time to leave a reivew on our behalf. Best Paul

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Wanted to review my pensions and have a higher level overview on retirement options

How has Paul Clifford helped you?

He was clear in explanations of my options , the meeting was not pressured and very informative

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Thank you for taking the time to leave a review Donna . Best Paul

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pensions advice

How has Paul Clifford helped you?

Very helpful

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

n/a

Paul's reply

Thanks Duncan for taking the time to leave a review on my behalf.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement planning from full time employment, this included advice on company pension schemes, finding a specialist in this field is vital and Paul’s knowledge on this subject was invaluable.

How has Paul Clifford helped you?

Provided a full range of planning options available from my company pension scheme, Paul’s knowledge would be highly recommended for pension planning I have been with Paul for the past 6 x years. With a minimum of two visits a year to ensure all my investments are performing as well as the markets are doing even more so under the current climate.

Have you seen the outcome you were hoping for?

Completely, Paul’s knowledge of the options available in financial planning is highly recommended.

What could they have done better?

From my perspective nothing all my concerns are dealt with professionally and all questions answered during my 6 x monthly review, (which is very important )

Paul's reply

Thanks Dave for taking the time to leave a review on my behalf.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

A need to consolidate my various pension plNs

How has Paul Clifford helped you?

Discussions took place across a wide range of finance and insurance related topics. His research and advice was comprehensive, at no stage did he try and bemuse me with technical information to impress me with how smart he was. He kept it simple, he listened, he acted with great sensitivity and understanding.

Have you seen the outcome you were hoping for?

By and large yes - clearly the 2020’s have been challenging but his constant reassurance was welcome. Putting things into context when chaos reigns in the market is very reassuring

What could they have done better?

Predicted the future!! I’m only joking. I really could not there is anything he could have done better

Paul's reply

Thanks Anne for taking the time to leave a review on my behalf.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Paul Clifford helped you?

Transfer of pension fund and investment for long term growth.

Have you seen the outcome you were hoping for?

It is early days, the transfer into various investment funds is not complete yet.

What could they have done better?

Nothing. Paul explained very well the options I had for investing my pension fund and the potential risks. He provided me with all the information necessary to make informed choices. He is an excellent advisor and I would recommend him warmly to family and friends.

Paul's reply

Thank you for taking the time to leave a review on my behalf Monica.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

To withdraw pension from a work scheme

How has Paul Clifford helped you?

He has helped us with first class advice of how to invest our pensions

Have you seen the outcome you were hoping for?

Yes we certainly have

What could they have done better?

Nothing so far

Paul's reply

Thanks Sue for taking the time to leave a review on my behalf .

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Paul was highly recommended to us. Having a personal adviser makes perfect sense as we are not qualified to judge which future investments, personal pensions etc would be best for us.

How has Paul Clifford helped you?

Apart from being a very knowledgeable person, Paul is the most warm, friendly and practical adviser that we could every wish for. He always leaves us feeling optimistic about our future financial forecasts.

Have you seen the outcome you were hoping for?

Up to date yes!

What could they have done better?

can't think of a thing - apart from Paul, all staff at Clifford Osborn are really helpful and friendly and are always ready to help as much as they can with any questions asked.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needed advice on financial planning for retirement

How has Paul Clifford helped you?

Completed a comprehensive review of our financial position and pension policies. Paul helped us establish a level of financial risk we were happy to move forward with and provided recommendations for investment and pensions. Regular reviews help us to assess how our investments are performing and Paul's knowledge of the financial sector gives great us confidence in his recommendations.

Have you seen the outcome you were hoping for?

Our investments are starting to bounce back after expected recent dips in performance however, believe we are on track to reach our medium term targets.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Private pension plan

How has Paul Clifford helped you?

Gone through all the options available for me to get the best out of my pension.

Have you seen the outcome you were hoping for?

Yes now.

What could they have done better?

Maybe advised me to do a transfer earlier.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Sadly my previous advisor of some 25 years retired rather suddenly leaving me in a new area with no idea who to use. I spoke to several advisors before deciding Paul would be suitable

How has Paul Clifford helped you?

He understands my needs and sorts my investments to suit the projects I am involved with while keeping a eye on my future financial needs

Have you seen the outcome you were hoping for?

Yes, for some time the markets have been extremely volatile and I expect some of my investments to fall, long term I also expect that they will recover. I would not have been surprised it the fall had been very considerable, but in fact over each 6 month review period the overall portfolio has increased

What could they have done better?

nothing

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Consolidation of pension funds and financial planning

How has Paul Clifford helped you?

In numerous ways. Paul, some years ago, helped me to consolidate my pensions, and then when the time was appropriate to move into early retirement. He has further assisted me since the retirement with managing my financial assets, property and pensions. He has always been extremely helpful, thorough, and always explained his strategies to me in detail.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Repeat review from verified client

March, 2023

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I have not needed to contact Paul since the last review but I know he would help me should I need any further advice.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I need independent financial help and addvicicee

How has Paul Clifford helped you?

He guided me through the complexities of Equity Release

Have you seen the outcome you were hoping for?

Yes, completely

What could they have done better?

Nothing

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Very friendly

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

It was the right way to ensure i look after my money in the right way.

How has Paul Clifford helped you?

Over the years with Paul he has helped and guided us in many aspects of finance.

Have you seen the outcome you were hoping for?

Everything is running to plan and we are happy with the results so far.

What could they have done better?

I do not think anything could be done better for I agree with the path we are taking and I am confident we have made the right decisions.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has (once again) given me confidence and assurances with regards to my personal pension investments. I have received clear and professional advice from him, which has eased my concerns with the turbulence in the current financial markets.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Kent

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Further to our last review, we have decided to invest more at a higher risk due to the recent fall in the market we should be well positioned to get the best benefit from this for our pension.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

An inheritance

How has Paul Clifford helped you?

Have good advice and continued support in our investment

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retired early needed advice on using pension pots

How has Paul Clifford helped you?

Having retired early I have survived finacially for 3 of the 6 years before my state pension becomes payable, with pauls help i will remain finacially secure for the remaining three years too

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing perfectly happy

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Having the chance to take my company pension as a lump sum payment for investment , and needing a financial advisor to guide me through the process.

How has Paul Clifford helped you?

Paul has helped me through his advice and guidance to invest my pension in the best fund's and portfolios in the market.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

Nothing,I can only highly recommend Paul and his team for all they are doing.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Advice on Equity Release

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Our hard earned savings were in high street building society, with a very low interest rate. We wanted to invest in stocks and shares but needed guidance to suit our level of risk.

How has Paul Clifford helped you?

The step by step advice and his knowledge of the markets and products available assured us to take the investment that was right for us.

Have you seen the outcome you were hoping for?

Yes and is still ongoing for our future

What could they have done better?

Nothing.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Transfer of final salary pension and ongoing support of pension investments.

How has Paul Clifford helped you?

Clear and honest advice giving a realistic view on the pros and cons of retirement options. Strong ongoing support services ensuring I am kept advised on investment performance and future projections.

Have you seen the outcome you were hoping for?

Yes, I have received a high level of ongoing support and information to respond to changing situations

What could they have done better?

There is not anything more that could have been done to provide a high level of support particularly during demanding conditions such as lockdowns and market fluctuations.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

I know nothing as Schultz said, so I needed advice that I could trust. Paul has more than fulfilled that for me

How has Paul Clifford helped you?

Inheritance tax planning, equity release and even help with buying a car !

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

The pension fund I did have was performing not as expected, & I thought I would leave the transfer to an expert.

How has Paul Clifford helped you?

Paul has transferred the pension into a better performing scheme, hopefully to increase benefits on retirement.

Have you seen the outcome you were hoping for?

Not yet, as I still have 2-3 years left to work.

What could they have done better?

Nothing springs to mind!

Review from verified client

October, 2022

Overall

Advice

Value

Service

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

I had matured funds and was unsure how to further invest them and was confused about my options

How has Paul Clifford helped you?

Paul took time to carefully explain my options to me

Have you seen the outcome you were hoping for?

Yes. I am very happy with the choices I have made with his advice and guidance

What could they have done better?

Nothing. I have been very pleased with the service I have received

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

We are a small company that needed a one stop shop for our pensions and life assurance for staff, I used Paul personally and found his advice and service to be affordable and professional.

How has Paul Clifford helped you?

to set up pensions and life assurance for our staff

Have you seen the outcome you were hoping for?

yes, love Royal London and Michael their rep is really helpful

What could they have done better?

n/a

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Both my mother and I were looking for trustworthy, practical advice regarding a number of complicated financial matters.

How has Paul Clifford helped you?

Paul Clifford is extremely knowledgeable, very helpful and is totally client based. It is evident that he truly cares about the clients he looks after, and is not a “pushy salesman!” His expertise extends to the back office, where Donna is always so welcoming in her manner, which for any potential clients who might be feeling nervous or unsure about the process, this is reassuring. You have more than one pair of hands to guide you through the process.

Have you seen the outcome you were hoping for?

I have realistic expectations given the current volatile environment, but have been happy with what I have seen to date.

What could they have done better?

I think this is more of an industry wide criticism, rather than levelling it at Paul or Clifford Osborne, but the sheer volume of paperwork that must be sent to clients is mind boggling and a turn off for many!

Review from verified client

October, 2022

Overall

Advice

Value

Service

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Searched for local IFAs via google

How has Paul Clifford helped you?

He has helped both my wife and I to set up drawdown pensions

Have you seen the outcome you were hoping for?

without a doubt

What could they have done better?

not at all

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

We wanted to help our daughter financially

How has Paul Clifford helped you?

He explained everything to us, and no question was too much, we never felt pressured and was able to help our daughter

Have you seen the outcome you were hoping for?

Yes we did

What could they have done better?

There is nothing that could have been done better

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

Long term financial planning

How has Paul Clifford helped you?

Paul has offered great perspective on investment risk tolerance and rates of return for various financial instruments. Additionally he offered great insight into company pensions,

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing! Paul and his staff are always easy to reach out to

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Having moved to the area and not wanting to retain my present FA, I was recommended to contact Paul

How has Paul Clifford helped you?

Always gives sound advice and willing to come to my house to meet

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Paul is very much on the enthusiastic side and sometimes I found him difficult to keep up with, but he’s always willing to explain

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I inherited money and it was the only windfall I’m ever likely to have in my life. I didn’t want to waste it and I didn’t want to get scammed. So I approached 3 or 4 advisors and settled on Paul because he didn’t dismiss my investment as too small for him to bother him, (as some financial advisors did). In addition, his staff have been extremely personable and professional, and they’re interested in me and how I’m doing. I wanted a ‘cautious’ investment plan because I believed Brexit would be disastrous. The advice given has informed me without being pushy, and it has been well balanced. My money, but honest guidance that I trust.

How has Paul Clifford helped you?

He’s personable and easy to contact. He responds to queries quickly.

Have you seen the outcome you were hoping for?

Yes, in bucket loads. I wanted a steady income plus access to funds if necessary.

What could they have done better?

I honestly can’t think of anything.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Personal service without any problems ; he always there to advice or talk and chat about general information's that we may need or just reminding ourselves and he explain himself brilliantly CHEERS Buddy

Paul's reply

Thanks Kia very much appreciated. Paul

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was concerned that I wasn’t making the most of my savings.

How has Paul Clifford helped you?

Gave clear, helpful advice.

Have you seen the outcome you were hoping for?

Not entirely but due to external circumstances outside control of any financial advisor

What could they have done better?

Nothing

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Keeps us in touch with market forces etc.

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

He constantly keeps me updated with issues and if I have any questions I always feel comfortable and confident in drawing them to his attention and asking for advice.

Repeat review from verified client

August, 2022

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Many things have changed - both in world finance, and my personal circumstances - in the last 3 years. Paul has been in touch with us at every step to make sure we are making the best of our savings and pensions.

Repeat review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Kent

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Yet again , in this turbulent financial times , Paul has given us sound advice and shown clear direction , on investments, along with an understanding on seeing the longer term benefits. Also his team as always, gives outstanding client /customer support

Repeat review from verified client

July, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I continue to feel relieved I have Paul’s expert advice in these troubled times

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

As my previous comment. Paul continues to stay in touch and I will be happy to contact him again if I need further advice.

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul's advice always keeps me updated on my next steps forward regarding my money.

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I needed some advice which Paul kindly gave. It is very reassuring, when one is elderly, to have a friendly advisor to call on if necessary.

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Maintaining my my investment in my pension

Paul's reply

Hi Gail I hope your well and had a good Christmas . I hope to see you again for a cupper and catch up sometime soon . Thanks for taking the time to leave a review on our behalf , it very much appreciated. Paul

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Regular reviews with Paul are a good opportunity to discuss, review and update my portfolio and gives me reassurance my investments are in the right place.

Paul's reply

Hi Phil thanks for taking the time on.our behalf to write a service review , it’s very much appreciated .

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Kent

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

After a long discussion with Paul, we decided to put some of our pension money at a higher risk, and so far over the past 6 months, it has performed fantastically. As well as this Paul has helped in our long-term plans and has laid out the options for us clearly so we can make an informed decision.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Since my last annual review, Paul and his team have exceeded my expectations once again. He is extremely knowledgeable, professional, personable and he is always there for you, the perfect advisor. The investment choices that he helped me make are proving to be successful and I feel so relieved that I chose Clifford Osborne.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul is always happy to listen to our queries and deals with them efficiently.

Paul's reply

Likewise - will be lovely to see you both again .

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Always knowledgeable and reassuring, sound advice and attentive response to queries and requests.

Paul's reply

Thanks Wendy , always here to help . We look forward to seeing you both again soon.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul continues to provide excellent service and advice

Paul's reply

Thanks Sue , were here to help continually.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul adviced me about updating my investment plan which I have done .

Paul's reply

Hi Nick thanks for taking the time to leave a review on my behalf , its very much appreciated - im happy your happy !

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has always been kind and helpful and he will go extra way to help and sort things out to benefit me; great professional and above all trustworthy

Paul's reply

Thanks Kia for taking the time to leave a review on my behalf -its very much appreciated.

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has advised me about my planning for the future and inheritance planning

Paul's reply

Always happy to help and provide continual support , thanks for taking the time to leave a review on my behalf , its much appreciated.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Concern re Brexit and savings

How has Paul Clifford helped you?

Gave good sound advice with diagrams to help look at comparable savings choices, keeping me updated at all times.

Have you seen the outcome you were hoping for?

Too early to tell, but I certainly hope so!

What could they have done better?

Nothing, Paul and all other people I had contact with were excellent.

Paul's reply

Thanks Lindsay I will pass on your comments to the team . I look forward to seeing you again soon .Best Paul

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

My previous advisor was no longer independent and my investments were losing money

How has Paul Clifford helped you?

Being independent, Paul could put my capital with companies that would give me the best long term gain.

Have you seen the outcome you were hoping for?

Yes. My investments have made a steady increase every year. He will also move them around if he thinks I will benefit.

What could they have done better?

I don't know. Not being financially savvy, I can only put my trust in him to do the best for me

Paul's reply

Thanks so much for taking the time to leave a review on my behalf and the trust placed in me over the last few years . Im happy your happy with everything and the service provided . Best Paul

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed to review my pensions

How has Paul Clifford helped you?

Paul reviewed my existing pensions and was able to make some astute recommendations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing the service was excellent

Paul's reply

Happy to help get things sorted out for you, and i look forward to seeing you again in due course.Best Paul

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Home improvements were required and equity release would fund that.

How has Paul Clifford helped you?

Personal service at home, clear explanation as to all that Equity Release would entail. Friendly, Professional and very helpful.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

We cannot fault the service and assistance we received.

Paul's reply

So happy to help you both. I will keep in touch periodically and feel free to contact me anytime . Best Paul

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Investments and savings and Will.

How has Paul Clifford helped you?

He helped me with all the above

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

I don’t know.

Paul's reply

Thanks Jenny for taking the time to leave a review on my behalf, it's greatly appreciated . I very much enjoy working with all your family and its lovely to see the younger ones becoming financially independent. Best Paul

Repeat review from verified client

August, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I have not needed financial advice since my last review but Mr Clifford has been in touch with me to ask if he could be of any further service.

Paul's reply

Thanks Jeremy for taking the tine to leave a review on my behalf , it’s very much appreciated. Bw Paul

Repeat review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Kent

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul, and his team have kept me up to date with my pension funds and I have received great advice, and support throughout the last year

Paul's reply

Thanks Cliff for taking the time to leave a review , its very much appreciated by the whole team here at Clifford Osborne . Bw Paul

Repeat review from verified client

August, 2021

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I have a small pension pot that Paul does not deal with. However because of I have had to give up work a little earlier than expected, Paul has advised me how best to make use of it. We have also come to a decision regarding my wife's retirement plans.

Paul's reply

Thanks Trevor for taking the time to leave a service review , its very much appreciated by the whole team here at Clifford Osborne . Bw Paul .

Repeat review from verified client

August, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

By making beneficial shifts in investments and discussing long-term issues relating to property.

Paul's reply

Thanks for taking the time to leave a review , its very much appreciated by the whole team here at Clifford Osborne . Bw Paul

Repeat review from verified client

July, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has continued to be supportive and I value the knowledge that he is there if I need his advice

First impression from a user who is not yet a client

June, 2021

Overall

Please provide a brief comment about your experience with Paul

We found Paul to be friendly and approachable, he seemed to know what he was taking about.

Paul's reply

It was lovely to meet you both this afternoon .I would be happy to assist in making things far less complex and easier to understand moving forward.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

As my previous comment - Paul has continued to keep in touch

Paul's reply

Thanks very much, i hope you are both keeping safe well and happy !

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has advised me on changing my investments to reflect current trends to receive a higher return. He has also advised me to shift my withdrawal strategy to help sustain my fund.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Sadly, of late, I have had no need of Paul’s services but, given a boost in my financial circumstances, I shall most certainly call on him.

Paul's reply

Dear both , i very much hope you are keeping safe happy and well. Im always around if needed or required . Thanks for taking the time to leave a review on my behalf its very much appreciated ,Paul.

First impression from a user who is not yet a client

February, 2021

Overall

Please provide a brief comment about your experience with Paul

I am immensely disappointed in Paul, from first being introduced to him in October - it is now February, & despite my fulfilling all his requests, even with prompting he is failing to make an effort, saying he will call & never doing so. If this is how he treats potential clients, I cannot imagine how little effort he puts onto those he already has.

Paul's reply

Dear Alison as you know from our original discussions due to a move in the later part of 2020 . This and a delay in speaking to each other caused a further delay in being able to help. I did send a message to say due to Covid and having to self isolate due to team member contracting covid things would need to be put on hold . Again please accept my apologies for the lack of service experienced. I have always given the utmost care and attention to clients and this is reflected in my reviews since 2013 and pride myself on the quality of client care provided . Best of luck getting your investment arranged .Paul

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has always been available to me when I need help and advice. He was pivotal in arranging finance for me to sell a property in America, where I had to sustain a loss in order to move the property and cover a shortfall in mortgage repayment. As always, Paul was helpful, suggested ways to help I hadn't considered and for that I will always be grateful. I recommend him to friends and others whenever I can.

Paul's reply

Thanks Brian for taking the time to leave a review on our behalf - im always happy to help .

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has been a trusted and invaluable source of advice whenever we have needed it.

Paul's reply

Thanks for taking the time to leave a review on my behalf - always happy to help .

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

conintuing support. consolidation of investments and changes to reflect changing risk management

Paul's reply

Thank you for taking the time to leave a review on my behalf, its very much applicated. I look forward to seeing you again face to face as and when possible . In the interim im here virtually or at the end of the phone or email .

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul gives me confidence that I'm in good hands, that's very important to me now that I'm in my mid-60's. We discuss options open to me, exploring pros and cons.

Paul's reply

Thanks Mia , its always a pleasure to see and speak to you .

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Helping me to keep up to date with current financial issues to assist with decisions on short term investment plans.

Paul's reply

Hi Phil , thanks for taking the time to leave a review on my behalf ,it’s appreciated !

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Surrey

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Always ready to listen and offer advise when needed. This year we had a virtual meeting to review our finances which went very smoothly.

Paul's reply

Thanks for taking the time to leave a review on my behalf its very much appreciated- happy to come and help next door without issue - thank you for thinking of me . Have a lovely Christmas

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Has not been necessary

Paul's reply

Thanks for doing this on my behalf it really does help ! We have revised our keeping in touch letters to go out in December for ease of workload hence the delay since my last communication and us being out of kilter slightly. Wishing you both a wonderful Christmas and i very much hope your back to good health.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Drawdown on my pension

How has Paul Clifford helped you?

Transferred my pension to another pension so I could access my drawdown

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

I was happy with what he did

Paul's reply

Thanks Gail , I will see you again in due course to review and update you on the plan periodically. Enjoy your new Mini .

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Kent

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

On January 6th 2020 we decided to retire and Paul has discussed the retirement benefits and how best to use our money to see us through till we no longer need it. I got a large sum of money and Paul help me with my choices to what to do with it.

Paul's reply

Thanks Terry for taking the time on my behalf to leave a review ,its much appreciated. I will ping over the video link via a separate email. I look forward to catching up with you.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had to sell my house because my mortgage was coming to an end. I wanted to downsize and buy outright with my equity, but I couldn't find anything suitable that I could afford. So I contacted Paul to advice as to my options.

How has Paul Clifford helped you?

He explained that I met the criteria for equity release (Lifetime Mortgage). That I could downsize and move and take out a small lifetime mortgage to pay for the excess that I didn't have with my equity.

Have you seen the outcome you were hoping for?

Yes, exchange has taken place and I complete and move next week.

What could they have done better?

Paul went above and beyond in helping me get the lifetime mortgage through. There were a series of hold-ups and my buyer was getting very anxious and I was very concerned that the chain might collapse. Paul chased his contact at the mortgage company who in turn chased their solicitor. He did this numerous times until we achieved exchange. It would not have gone through in the reasonably timely fashion that it did if it hadn't been for his help. (The delays were mainly due to solicitors being incredibly busy at the moment because of such a large volume of property sales.)

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Consistently, reliably and reassuringly

Paul's reply

Thank you for taking the time to leave a review on our behalf , it’s good to know all we ( the whole team ) do is appreciated .

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has managed the transfer of my funds extremely well. He explained the process of the transfer in layman’s terms and everything he said would happen, has happened. He took care not to place all of my money at once into an investment portfolio and fortunately the wait proved successful. I don’t know how he finds the time to look after his clients as well as he does, but he is always there for you and respects your hard earned money. My annual review was set up by his wonderful team on time and COVID safe.

Paul's reply

Thanks for such a great service review -we all work together in the team to ensure great customer outcomes .

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Now that my husband has retired early Paul helped us with pension money.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Useful information about inheritance planning and reassurance about financial markets in current conditions

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Reassured me about the current financial situation for myself, also national and international outlook.

Paul's reply

I'm always happy to offer help and guidance - lovely to catch up and chat as always .

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has continued to give advice on my pensions

Paul's reply

Thanks for taking the time to leave a review on my behalf, its very much appreciated.

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul as continued to give clear advise and infomation on all aspects of my investments, can not praise him enough.

Paul's reply

Many thanks for taking the time to do this on my behalf I look forward to seeing you both again as and when its possible .

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Me and mum had a large sum of money sitting idle in the bank

How has Paul Clifford helped you?

He advised me the best way to earn extra money

Have you seen the outcome you were hoping for?

We have not had the money invested long enough yet

Paul's reply

Thanks for taking the time to leave a review and I look forward to us working together looking after the finances and your mums financial wellbeing .

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We needed some help in applying for an equity release.

How has Paul Clifford helped you?

We had applied for an equity release through the agents who constantly advertise in the press and on TV. As we progressed down the line we came across several stumbling blocks which prevented us proceeding any further. We were recommended by a friend to try Paul Clifford, and we decided to give it one last try. Paul came up with a lender who could help and we are a stones throw away from completing. Apart from the success of the final result, he always returned phone calls and kept us in touch at all times with ongoing developments.

Have you seen the outcome you were hoping for?

Yes, we have reached a conclusion which was our goal from the outset.

What could they have done better?

I don't have any suggestions as the service was more than we could have expected.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Equity release

How has Paul Clifford helped you?

He was a star, he found us a great deal. Paul was professional, kept us informed every step of the way from beginning to end.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing...he delivered on everything

Paul's reply

Happy to help and I'm pleased its made a real difference

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I have known Mr Clifford for well well over 15 yrs. and i can say that he has always helped to advice correctly and also unlike others he has managed to improve my investments and pension and so on ;; i can confirm that i shall sick his advice in all my finance affairs;; thanks

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has tried to stop me from panicking with my pensions re covid and the initial drop in value stating they will recover and not to do anything with them now. They are slowly recovering so glad I didn't do anything in haste.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Paul

Very helpful

Paul's reply

Thanks Barry - i was happy to help and it was pleasure to meet you and your family.

Repeat review from verified client

September, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul regularly updates me on my investment and he has helped me with my inheritance planning

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had an underperforming private pension.

How has Paul Clifford helped you?

Paul took time to understand my circumstances and what I was hoping to achieve. He was very helpful and patient when explaining the different options I could consider, and efficient in dealing with the transfer itself.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, I've been 100% happy with the service I received from Paul and his team.

Paul's reply

Thanks Eve for taking the time to leave a review on our behalf, its very much appreciated

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

I wanted to take control of my pension fund

How has Paul Clifford helped you?

Paul, went through , in great detail all the elements and associated risks of transfer from a very good pension scheme , his advice and very thorough processes , gave me the confidence I was doing the correct thing

Have you seen the outcome you were hoping for?

Absolutely I now fully control my pension find, and secure my wife's future income , if anything was to happen to me

What could they have done better?

I am not sure if anything could have been done better, as with the difficult times during lockdown, the service provided was extremely professional

Paul's reply

Many thanks Clif for taking the time to leave a review on our behalf , its very much appreciated.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Initially I wanted advise about my mortgage/pension balance. Then later about early retirement and pension transfer.

How has Paul Clifford helped you?

On our first consultation Paul decided that we were doing all the right things and didn't charge for advice. Because of this he was first choice when our circumstances changed and he set up an investment ISA for us. Then later he helped me transfer my pension. This became hampered when covid 19 and early retirement due to ill health interfered with the plans. Paul had made sure that the plans had enough scope to cover these unexpected obstacles.

Have you seen the outcome you were hoping for?

We have seen our investment ISA grow slightly better than expected, although they have slowed down dramatically since the economy nosedived during covid. It is too early to tell if the pension transfer has been fruitful as it is less than a month invested.

What could they have done better?

I have difficulty following ALL the information. There is a lot to take in sometimes, a webpage with some simplifications for dummies might help. This would possibly have a downside because information in this industry goes out of date from time to time .

Paul's reply

Hi Trevor thanks for taking the time on my behalf , no loss to original capital is always good news , pension funds are in cash as agreed to enable us to potentially take advantage of further downturns when phasing back into the markets , enjoy being retired and we can work out the rest Best Paul .

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needed guidance on setting up pensions

How has Paul Clifford helped you?

Explained the options and put everything in motion

Have you seen the outcome you were hoping for?

Too early to tell

What could they have done better?

I liked that it was done via video call and then email follow ups. Everything was arranged quickly and questions were answered swiftly

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had a mortgage product which was due to expire and was having considerable trouble finding a replacement product. My former IFA had tried and failed to find a suitable product and I was personally investigating a whole life product when I decided to contact Paul Clifford based on positive reviews I'd seen on-line.

How has Paul Clifford helped you?

Paul listened to my concerns, immediately said that he believed he could help me and requested a detailed account of my finances. He then came up with a whole life product which not only absolutely suited my needs but gave me a much enhanced cash payment at inception. When there was a problem with getting the product to completion Paul interceded on my behalf and got things moving again when the solicitors seemed to be at loggerheads.

Have you seen the outcome you were hoping for?

The new product is now completed, the funds I expected are safely in my account and I could not be happier with the outcome.

What could they have done better?

I would like to be able to make constructive suggestions to help Paul Clifford and his team perform better but truthfully I can't. From our first conversation to our last Paul was positive, well informed, helpful, patient and conscientious. When Paul was not in the office his work was taken up by the excellent Donna who was well briefed, proactive and charming. I don't think there was a single occasion when I called the office when Paul did not make himself available to speak to me personally, really exceptional service.

Paul's reply

Thanks so much for the feedback its very much appreciated.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension management, equity release and other matters

How has Paul Clifford helped you?

In so many ways. His advice, management of my resources, kindness and insights are second to none.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing - his commitment and help have been excellent.

Paul's reply

Always happy to help and many thanks for taking the time to leave a service review on my behalf .

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was wanting to set up a personal pension.

How has Paul Clifford helped you?

He talked me through the different options I had and suggested a suitable product for me after I completed a needs statement.

Have you seen the outcome you were hoping for?

Yes, superb service from Paul and his team.

What could they have done better?

N/A

Repeat review from verified client

July, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul came to see me concerning my mother’s long term care and the management of her estate. As always he immediately understood my situation and gave me options and an extremely good proposal

Repeat review from verified client

June, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Invaluable help in transferring a company pension in to a private pension. Advice on all options explored and explained to provide for now, and importantly for the future. Constantly keeping track of factors affecting pension on an ongoing basis.

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I haven't needed his help financially since I have had equity release but he has continued to keep in touch with updates ec.

Paul's reply

I’m glad its made a difference to you and I’m here if ever needed.

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in West Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

As much as before, if not more - he's always so knowledgeable and happy to help wherever possible with sensible advice and helpful comments.

Paul's reply

Were all great thanks for asking , I look forward to seeing you both again sometime soon for your next review and update meeting.

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

By ensuring that in the turbulent last few years, Paul has given me clear guidance on the way I need to move forward financially.

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

I have had no further service from Paul since our first negotiations but it is reassuring to know that he ic only a phone call away.

Paul's reply

Dear Geoffrey as you understand we are only a phone call away if you need anything further regarding your lifetime mortgage needs . I very much hope your both keeping well and its made a difference to your well-being and happiness. Very best wishes Paul

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Hampshire

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul has been reviewing my pension regularly and advising on best course to take when necessary. We have always been pleased with the service and are always confident that Paul has our best interest as a priority.

Paul's reply

Many thanks for taking the time to leave a review on my behalf it’s been over 8 years now ... time flies !

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

I had two pensions and wanted to move them to a scheme would enable me to invest in commercial property.

How has Paul Clifford helped you?

Paul reviewed my current pensions and looked across the market to find the most appropriate policy based on my appetite for risk, need for growth and the requirement to be able to purchase property should I wish to.

Have you seen the outcome you were hoping for?

Early days but the transfers have gone through and plan set up.

Paul's reply

Capturing gains made and switching initially into cash post transfer has worked out very well given current turmoil in the global market downturn recently..onward and upwards.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I retired early and required an income to cover period before state and main work pensions are accessible

How has Paul Clifford helped you?

Advised on options - argued against me doing what i wanted to do but then assisted me to cash in my small first employment pension

Have you seen the outcome you were hoping for?

Not yet investment is in place but not yet started to draw down

What could they have done better?

Nothing

Paul's reply

Many thanks for taking the time to leave a review on my behalf it’s very much appreciated .I was happy to assist in helping you see the wood through the trees in this complex area of retirement planning.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

I was looking to consolidate separate pensions.

How has Paul Clifford helped you?

He brought them all together and, advised me of a suitable long term investment plan.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot.

Paul's reply

Thanks Ian for taking the time to leave a review on my behalf , see you in due course or whenever if needed as always .

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had several small pension pots and was unsure how to proceed

How has Paul Clifford helped you?

From the first call when I said I didnt know what I was doing Paul was very understanding. He explained everything checking that I understood all alternatives. He showed various graphs to help me to understand and always said the final decision was mine.

Have you seen the outcome you were hoping for?

I am at the start of my retirement pension and have had exactly what i was told I would get - I have been told my first review date so at present couldnt be happier

What could they have done better?

I think Paul and his team couldnt have done anything different. All very approachable and Paul very knowledgable

Paul's reply

Thanks Pauline for taking the time to leave a review on my behalf, I look forward to seeing you again soon.

Repeat review from verified client

February, 2020

Overall

Advice

Service

Value

Based in East Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Paul always provides timely and detailed advice whether I meet him face-to-face or in email/phone correspondence. He always responds promptly and in a way which gives me a solution to any questions I have. I cannot recommend him highly enough.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

needed the money

How has Paul Clifford helped you?

gave me all the advice I needed

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing he couldn't have been more helpfuli

Paul's reply

Many thanks for taking the time to leave a review on our behalf its much appreciated.

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Paul

This was a single visit for advice on specific points. The information was helpful and clarified concerns. I also acquired some information I had not had before. I would be happy to use this firm regularly should the occasion arise.

Paul's reply

Dear Janet , I was happy to assist and clarify the taxation as requested.

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Paul

This was a single meeting about specific issues. The information was very helpful and cleared up points of concern. I also picked some advice I had not known about before.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Surrey

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

We are kept up to date with our current financial situation which is reviewed every six months.

Paul's reply

Its lovely to come and see you both and I'm always happy to help.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

My previous advisor of 20 years sadly gave up!

How has Paul Clifford helped you?

Paul has spent some time getting to know my personal circumstances and long term goals to be able to advise how to manage my portfolio. I happy to follow his recommendations

Have you seen the outcome you were hoping for?

Its early days, these investments are for the medium to longer term, but all are increasing in value.

What could they have done better?

nothing further could be expected

Paul's reply

Many thanks for taking the time to leave a review on my behalf its very much appreciated.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Sussex

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Acted on my behalf in complexed mortgage arrangements. Plus life insurance.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Financial planning for retirement.

How has Paul Clifford helped you?

Reviewed current financial position with Paul who provided suggestions and advise for us to agree the best way forward for projected retirement income.

Have you seen the outcome you were hoping for?

It is early days but I have every confidence that the choices made will come to fruition.

What could they have done better?

I'm very happy with service received and would highly recommend Paul to others looking for advice.

Paul's reply

Hi Phil I very much look forward to seeing you both at the next review meeting or before if needed for anything .

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Rutland

This review is a follow-up review from a client who left a review previously.

How has Paul Clifford helped you since your last review?

Excellent advice which led to me taking out critical illness cover. Unfortunately this policy needed to be claimed when I was diagnosed with leukaemia. Thanks to Paul as this has helped me.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needed some proffesional help

How has Paul Clifford helped you?

Gave us advice and helped us explore our various options This was done in a very understable way Further info was always available without problem

Have you seen the outcome you were hoping for?

Yes without question

What could they have done better?

Nothing will definitely use again if required

Paul's reply

Hi Mike , thank for taking the time on my behalf to leave a response, my door is always open.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Help needed with a pension being settled,also help with investment

How has Paul Clifford helped you?

By doing both things above

Have you seen the outcome you were hoping for?

I have no suggestions

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Following divorce I found Paul through word of mouth who was able to sort out the transfer of pensions between the two parties for me.

How has Paul Clifford helped you?

I truly have to say nothing was too much trouble for Paul, the divorce was truly horrendous and I could locate non of the paperwork required. Most people would have given up on my bad organisational skills but Paul remained calm, was happy to to help in any way he could to reach the outcome required and take away the stress!

Have you seen the outcome you were hoping for?

Totally!

What could they have done better?

There is really nothing he could have done better! He did not even get agitated at me for having no idea on my financial matters - he was understanding, clear and I always felt he was acting on my best interest

Paul's reply

Thanks Caroline for taking the time on my behalf to leave a review it’s very much appreciated.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was looking to review my pension with an advisor and a company that I could trust and be confident with.

How has Paul Clifford helped you?

Paul listened and guided me through the options that were the best for my circumstances. The fact that Clifford Osborne is NOT restricted to any investment companies appealed to me. The advice I received was impartial and at no time did I feel pressurised to accept the offer he recommended to me. I have been kept informed of the progress of my pension when necessary and I had no hesitation in recommending him to a family friend who was also looking for pension advice. Now I know why this company has so many excellent reviews, well done Paul to you and your office team.

Have you seen the outcome you were hoping for?

Everything he promised and said would happen has happened so far. It is still early days, but I have trust and confidence in Clifford Osborne and I hope that this continues for many years to come.

What could they have done better?

Nothing as he has been excellent throughout my journey with him.

Paul's reply

Thank you very much for taking the time to leave a review on our behalf . We really appreciate client feedback to help us continually improve the client journey and I will be sure to pass the comments onto my admin team.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Having had an interview with the free Government's Pension-wise service it was suggested that we went to a Financial Advisor. Paul's name came up on a link through Pension-wise when we put in exactly the sort of advice we were looking for.

How has Paul Clifford helped you?

His help was immeasurable with his knowledge, and access to the type of financial product most suitable to our pension pot, and how to get the maximum for our benefit out of it. He certainly has a clear understanding of what is on offer.

Have you seen the outcome you were hoping for?

We certainly hope so? It is early days and l don't think anybody is immune in these uncertain times i.e. if or what any effect Brexit will have on us all to name one.

What could they have done better?

I really can't think of anything!

Paul's reply

Thank you so very much for taking the time on my behalf to leave a review . It’s very appreciated.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Moved to this area needed to speak to an adviser face to face and this was on recommendation.

How has Paul Clifford helped you?

Mr Clifford explained everything to me and provided sound advice.

Have you seen the outcome you were hoping for?

Yes thank you!

What could they have done better?

Nothing comes to mind.

Paul's reply

Many thanks for taking the time to leave a review on my behalf . I look forward to seeing you again in due course and have not forgotten you prefer decaf !

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed advice after some poor management from my previous FA

How has Paul Clifford helped you?

He explained everything clearly showed the various options and gave me a clear picture of the best way forward

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

So far I’m very happy

Paul's reply

Thanks for taking the time to leave a review on my behalf

First impression from a user who is not yet a client

October, 2019

Overall

Please provide a brief comment about your experience with Paul

My initial meeting with Paul was fine but of the three IFAs I have met, I preferred one of the others.

Paul's reply

Dear Sue ,many thanks for the initial opportunity and please do feel free to contact me anytime in the future if required.

First impression from a user who is not yet a client

June, 2019

Overall

Please provide a brief comment about your experience with Paul

Very down to earth. Explained everything really well. Would definitely recommend.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Pension and investment advice.

How has Paul Clifford helped you?

Paul sought to provide the very best possible advice for my pension arrangements and investment.

Have you seen the outcome you were hoping for?

Exceeded my expectations.

What could they have done better?

Nothing, his all encompassing work ethic provided the answer to all that I needed to know.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was looking for advice regarding a final salary pension transfer and subsequent invest of the transferred funds.

How has Paul Clifford helped you?

Paul provided sound financial advice and guidance regarding the transfer and subsequent investment illustrating his depth of knowledge, lateral thinking and common sense approach in taking account of our circumstances, needs, and preferences.

Have you seen the outcome you were hoping for?

The outcome of his guidance and advice has far exceeded our expectations.

What could they have done better?

I have been more than happy with the services, advice, and guidance he has provided to date.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We wanted to organize our finances using a professional service and to make sure we invested wisely and had heard very good things about Paul.

How has Paul Clifford helped you?

Paul has helped us across the board with all aspects of our finances.

Have you seen the outcome you were hoping for?

We are very happy indeed with the service provided, first and foremost the Clifford Osbourne team are all really pleasant to deal with. Paul is very current and very on the ball, regarding all aspects of money management and changes in the market etc and keeps us updated. The service is refreshingly transparent and respectful. If you have any questions at any time Paul is always on hand to help. Everything is explained clearly and thoroughly and promptly followed up with a written copy of a breakdown of each meeting. We have had meetings at Clifford Osbourns offices and also Paul has been to our home for meetings, it's great to have this kind of flexibility too. So in conclusion it's just a reassuring, good, efficient service with no agenda other than to make sure your money is safe and invested in the best possible way. We fully recommend the company.

Paul's reply

Im happy your both happy with how we work and the simplicity of our business model ensuring total transparency . Myself and the team work hard behind the scenes to keep things simple easy to understand and hassle free for clients.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was looking for advice re the possibility of taking out equity release

How has Paul Clifford helped you?

Paul went through my circumstances with me and my reasons for wanting to release money. He explained the pros and cons and looked for the best way for me. When I had queries, he was quick to respond. He and his staff were friendly and efficient and I felt I could trust them.

Have you seen the outcome you were hoping for?

Yes, I now have the funding I need.

What could they have done better?

I don't think Paul could have done anything more than he did. I would highly recommend him to anyone looking for help.

Paul's reply

I was very happy to make a difference and enhance your retirement :)

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We wanted to change our mortgage from interest only to repayment and get a better deal

How has Paul Clifford helped you?

Paul found us a good rated mortgage and is also helping us with life insurance. He has given us some great advice and would recommend Paul.

Have you seen the outcome you were hoping for?

Yes we have found a good mortgage which is currently being processed.

Paul's reply

Its a cracking deal and im happy we secured it on your behalf .

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

To consider my options on retirement

How has Paul Clifford helped you?

Paul took the time to explain complex issues to ensure each area was understood before proceeding.

Have you seen the outcome you were hoping for?

Yes I feel confident I have the right outcome with the level of support I have been given

What could they have done better?

I would not be able to think of anything to improve considering the support I have been given throughout the process which continues going forward as a long term service

Paul's reply

Im happy to help in this very complex area to ensure a positive outcome .

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Confusion as to the value of the pension products I already owned.

How has Paul Clifford helped you?

He did an exemplary job of pulling together all of the different pension investments that I had invested in during my working life and then explained the options available to me for future investment growth and drawdown

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Many thanks for taking the time to review the service provided ,were on your journey together !

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was retiring and looking for a financial adviser that I could work with on a long term relationship basis that had the appropriate experience and qualifications to provide the initial credible transfer and consolidation investment advice and ongoing financial guidance at the level I require.

How has Paul Clifford helped you?

Paul took time to have extensive discussions with me to fully understand my character and requirements and has already become a welcome sounding board for making decisions on any aspect of my post retirement financial planning.

Have you seen the outcome you were hoping for?

Yes. Paul is good company and patiently explains the comparative merits of options identified and welcomes informed debate. As a result with his help I was able to conclude my decision regards a deferred defined benefit pension and two defined contribution funds.

What could they have done better?

It is early days for our relationship although Paul has maintained welcome regular communication on progress with actioning the agreed plans and I am confident that I have chosen the right IFA for me.

Paul's reply

I feel sure we will enjoy working together over the coming months and years .

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was getting divorced and my then husband's company pension was to be shared.

How has Paul Clifford helped you?

He spent a lot of time chasing the pension company to get them to process the split.

Have you seen the outcome you were hoping for?

Yes, I don't think I could have managed without Paul. He has also guided me as to the best pension options for me and has explained things in layman's terms.

What could they have done better?

Nothing.

Paul's reply

It took a while to get this sorted on your behalf however we got it all sorted with a very positive outcome for you … im pleased your happy with the service and more importantly the outcome.

Review from verified client

March, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

My Mum died last year and I needed to plan for when I would receive the inheritance after her house was sold. I was attracted to London Capital and Finance because of the 8% return which would cover the shortfall from losing my benefits. I'm a widow and a carer for my daughter. I wasn't going to get another windfall like this and I needed advice. I initially went to a local firm, but they only dealt with enormous amounts of money. I was tempted by LCF but I knew I had to be sensible and get advice.

How has Paul Clifford helped you?

Paul and I went through so many questions to find out what it was that I actually wanted, what sort of personality I was (ie how much risk I was prepared to take - turns out, not alot!). When I showed him the information sent to me by LCF he said I should be very very cautious about anyone who offers such a high rate of interest - he was suspicious, which was good enough for me. I chose a cautious plan that took into account a No-deal Brexit and a Catastrophic Brexit! I know the future can't be predicted, but I needed to make the most sensible decision in order to look after my family and their needs. Paul has kept in contact and either he always responds to my queries within a couple of days.

Have you seen the outcome you were hoping for?

YES definitely. I made a grown-up decision to seek financial advice and am feeling SO relieved. I was at a vulnerable time when I found out I would receive a lump sum of money. I could have easily invested with LCF who have now gone bust! It looks like those investors in LCF might not get their investment back. If I had invested with them I would be £80K down, on no benefits and vvvvv depressed. I feel for them - could have been me.

What could they have done better?

I can't think of anything right now.

Paul's reply

Im more than relieved for both you and Maddie you took advice … and its all working out as planned .

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I am terminally ill and Axa were offering me about £24,500 as a lump sum ill-health settlement for a pension fund of over £68,000. I knew I had to escape from this as I have an extremely limited lifespan less than 3 months

How has Paul Clifford helped you?

Transferred the fund to a Personal Pension with another major pension provider who then paid me over £64,000 as an ill-health lump sum tax-free to assist my wife to purchase a home for our future. I did not compare with other adviser charges as speed was so crucial and the funds I received were net of Paul's charges which were extremely reasonable.

Have you seen the outcome you were hoping for?

Absolutely. I knew what had to be done as I have a lot of industry experience. The point was that Paul Clifford went so far out of his way to ensure that the funds were transferred and then released as funds to my bank in what I consider to be an incredibly short period; a matter of weeks to get the funds away from Axa who initially took about five months to provide me with a very poor quote. Paul has saved me a fortune and done a huge amount for my wife and I.

What could they have done better?

Nothing. His service was absolutely outstanding. I played my part by providing accurate information but he really chased the providers concerned and did all he could to ensure that we received maximum provider funds. Just brilliant!

Paul's reply

I am more than happy to do all I can to make a difference at this difficult time and to help ensure the desired outcome given the circumstances.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Advice for equity release

How has Paul Clifford helped you?

Found us a very good deal yes

Have you seen the outcome you were hoping for?

Yes none

What could they have done better?

None advise given was very easy to understand

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Did not know what my options were

How has Paul Clifford helped you?

Let me know what options there were available

Have you seen the outcome you were hoping for?

Not yet too early

Paul's reply

I very much look forward to keeping you updated on how its all going,and feel sure my recommendations will certainly benefit you and you will see a positive outcome .

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

With the idea of retirement in the very near future we needed to look at options of clearing the mortgage but at the same time not leaving us in a situation of not being able to enjoy our latter years.

How has Paul Clifford helped you?

He looked at the various options and explained to us the lifetime mortgage option.

Have you seen the outcome you were hoping for?

The choice of the lifetime mortgage was so we could stay in our property as long as possible which was our ultimate aim.

What could they have done better?

No criticism but with any financial advice there is always a lot to digest so for people like ourselves that are not particularly financially savvy its important that the information is delivered slowly.

Paul's reply

Thanks for your feedback Lesley , as you know from having looked after you over the last 10 or so years im always here help or revisit anything as and when needed.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I would definitely recommend Paul as a Financial Advisor. He has given myself and my wife very good advice on our pensions which meets our needs perfectly. We will definitely be contacting Paul in the future for any further financial advice needed.

How has Paul Clifford helped you?

Advice on our pensions which meets our needs perfectly.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We will definitely be contacting Paul in the future for any further financial advice needed and would be happy to recommend him and his friendly team.

Paul's reply

Were always happy to help anytime as you know .

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Soon due to retire, and did not have a clue how to deal with my 'pension pot'.

How has Paul Clifford helped you?

Enormously

Have you seen the outcome you were hoping for?

Not yet: I have only just invested and this is Brexit's 'make or break Theresa week' and the £ has plummeted, but we are assured that it will bounce back up again . . . aren't we, Paul!

What could they have done better?

No, he's fine. On present showing it would appear that this man 'delivers'.

Paul's reply

Many thanks for your kind review your business is appreciated and im glad out meeting helped you both to see things far more clearly around your retirement options and longer term goals.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension consolidation and planning

How has Paul Clifford helped you?

Consolidated plans into new provider with appropriate risk profile . Paul quickly understood my bespoke needs and short / long term plans and structured solution to suit.

Have you seen the outcome you were hoping for?

Yes . Very pleased

What could they have done better?

Nothing springs to mind at this time. Happy with service

Paul's reply

Hi Mike I look foreword to working with you for the longer term and helping you as and where needed in on the journey .

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We were seeking a return better than that available through bank/building society savings but nevertheless at the cautious end of the spectrum.

How has Paul Clifford helped you?

Paul was able to recommend a relatively safe harbour for our investment.

Have you seen the outcome you were hoping for?

The outcome so far has been exactly as predicted.

What could they have done better?

Perhaps read up more about peer to peer lending and the real comparison with conventional investment.

First impression from a user who is not yet a client

October, 2018

Overall

Please provide a brief comment about your experience with Paul

We havnt met yet but he was very helpful on the phone

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with Paul

Initial conversation only. Meeting to be arranged in due course.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Not enough knowledge.

How has Paul Clifford helped you?

Clear precise information given on all matters relevant.

Have you seen the outcome you were hoping for?

Exactly what was required.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

As I approached retirement in March this year I found the new pension options a complete minefield. I decided, for the first time in my life, that I had no choice but to seek advice from a financial adviser.

How has Paul Clifford helped you?

Paul explained all of the options with simplicity and clarity and was happy to revisit any issues I didn't grasp first time. After the process was complete I felt totally at ease with the outcome and accept that without his advice I would have made some potentially very expensive mistakes.

Have you seen the outcome you were hoping for?

More than happy. Paul took time to question me about what I wanted to get out of retirement, and what I wanted for my family, both now and after my demise. In regards to my pension I have come out of this with an adequate pension to cover my present needs. I also have pension pots invested for the future which I didn't foresee and is totally down to his financial expertise and advice.

What could they have done better?

I am at a loss to suggest anything. I learnt so much through the process, I'm totally satisfied with the outcome and still receive communications from Paul.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

after going through an initial government pension wise appointment it was recommended that we chose a financial advisor who specialised in pension freedoms as I was about to retire. The only option at the time was limited to various annuities.

How has Paul Clifford helped you?

His outstanding knowledge and in depth analysis of the pensions freedoms assured us that he fully understood our requirement with the funds accumulated in pension savings over 40 years. It was with confidence that we decided to appoint Paul as our financial advisor.

Have you seen the outcome you were hoping for?

Yes, after our second review with Paul the funds transferred have performed as well as could be expected under the current climate.

What could they have done better?

The decision to use Paul was taken on his outstanding knowledge of the new pension freedoms and investment opportunities with varying funds that individuals may have in their pension pot, being either large or small.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

early retirement.

How has Paul Clifford helped you?

sort out my whole finances for the future.

Have you seen the outcome you were hoping for?

so far so good yes.

What could they have done better?

having been advised by Mr Paul Clifford on my financial position , I have told a few of my work friends about him and they also have taken his advice in their pensions and options to where it would benefit them the most.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was seeking pension advice, in particular regarding the possible consolidation of a number of pensions into one scheme.

How has Paul Clifford helped you?

Paul took time to understand my personal requirements, and clearly explained the available options. His reports and advice in face to face meetings were all very helpful.

Have you seen the outcome you were hoping for?

Yes, I am very satisfied with the new pension arrangement which has achieved what I was looking for.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

APPROACHING RETIREMENT.

How has Paul Clifford helped you?

EXPLAINED CLEARLY MY OPTIONS, AND PRODUCED AN EXCELLENT FUTURE PLAN.

Have you seen the outcome you were hoping for?

PAUL'S ADVICE AND GUIDANCE HAS TO DATE MEANT A SUCCESFUL RETIREMENT INCOME.

What could they have done better?

NOTHING I CAN THINK OF AT THIS TIME

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Was left a lump sum of money and also need to move my pensions into one.

How has Paul Clifford helped you?

In the most professional way in advising me the best way forward and investing my mone.

Have you seen the outcome you were hoping for?

Most definetely.

What could they have done better?

There was nothing that he could of done better, it was first class service

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had a number of pension that I had accumulated over my career and recognised that I need to review their performance and ensure the money was performing well and also to understand the nature of the various investments I was holding.

How has Paul Clifford helped you?

Paul immediately understood my situation and after a very thorough review was able to explain fully what investments I had and then between us we agreed a plan going forward which was excellently executed. At all times it was apparent that Paul was prepared to explain everything in detail.

Have you seen the outcome you were hoping for?

Yes, I have consolidated my various pension pots, I have seen a noticeable improvement in the performance of my savings and now have a strong understanding of my savings and options available with regards to retirement planning.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

After several failed investments, mostly due to scams, I consulted Paul Clifford on the recommendation of a friend. I also needed urgent advice regarding re-mortgaging my house.

How has Paul Clifford helped you?

Paul has been an enormous help in his advice regarding equity release. He has been inspirational in suggesting the different options that are available to me, giving me flexibility of choice to suit my evolving needs.

Have you seen the outcome you were hoping for?

The work is still in progress. However, I am confident that a favourable outcome will be achieved.

What could they have done better?

By listening to my concerns and assessing my financial needs, Paul has done everything to give me sound advice for the present and the future.

Review from verified client

July, 2018

Overall

Advice

Value

Service

Based in Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement financial planning.

How has Paul Clifford helped you?

Advice to invest our lump sums when we retired.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I think it is all good

Review from verified client

July, 2018

Overall

Service

Advice

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Wanted to find a better performing pension provider.

How has Paul Clifford helped you?

After reviewing my needs in a pension he found a very good provider.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

We knew Paul before he set us Clifford Osborne and we moved with him as we always found him to be very approachable and very thorough.

How has Paul Clifford helped you?

My husband & I have been clients of Paul's for quite a few years now and have always received sound, trustworthy advice from him. He is a very approachable person who will do all that he can for all of his clients.

Have you seen the outcome you were hoping for?

The initial outcome was informative and we are now awaiting the final outcome which should be with us in a few weeks.

What could they have done better?

There is nothing more that he could have done for us at the time and we will certainly be back in the near future.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I inherited a large amount of money in an inheritance.

How has Paul Clifford helped you?

He gave me all of the options for maximising my income from the inheritance and also advised me about company pension schemes.

Have you seen the outcome you were hoping for?

Yes, very pleased with the returns from investment, also smoothed the pension claiming process which I would otherwise have found stressful.

What could they have done better?

Can't think of anything.

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was made redundant and had to look at finding some money to live on in the short term. It ended up that my Pension had to moved to a new financial organisation for the best return.

How has Paul Clifford helped you?

He took me through all the necessary steps to moving my Pension explaining the benefits and indeed risks. He also made available from the pension money to live on at a very difficult time.

Have you seen the outcome you were hoping for?

Paul keeps me up to date every 6 months with the state of my pension. The money I drew down to live on was more or less replaced as the Pension funds did so well last year. The financial markets are nervous about BREXIT at the moment, but the Pension fund is still going up regardless.

What could they have done better?

The whole operation at Clifford Osborne is very slick, can't think of any improvements that can be made at the moment

Review from verified client

July, 2018

Overall

Advice

Service

Value

Based in Outside UK

What were the circumstances that caused you to initially look for an adviser?

Wanted to invest money that I inherited.

How has Paul Clifford helped you?

Gave me the best possible advise where to invest the money.

Have you seen the outcome you were hoping for?

Not as yet, but from my experience with Clifford Osborne already, I can rest assured in knowing that the money that I have invested recently will be profitable in the future overall.

What could they have done better?

Nothing more that I can think of.

Review from verified client

April, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I wanted to set up a private pension and therefore was looking for an advisor to help me do so.

How has Paul Clifford helped you?

Paul helped me decide what type of pension would be best for me and with who. Options were given and chosen and then we have 'reviews' to ensure everything is on track.

Have you seen the outcome you were hoping for?

So far I have seen the outcome I was hoping for.

What could they have done better?

I'm not sure he could. There is always good clear communications, the language used isn't intimidating and all questions/enquiries are always dealt with promptly.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension Advice.

How has Paul Clifford helped you?

Paul was able to deal with my specific pension requirements in a professional manner, keeping me informed of progress and chasing down any issues.

Have you seen the outcome you were hoping for?

Paul delivered what I asked him for, I now have a product that gives me the flexibility that I require going forward.

What could they have done better?

It is still early days in the relationship, however i am confident that with regular reviews Paul will continue to advise me over the coming years.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed sound professional advice from someone I could trust regarding equity release.

How has Paul Clifford helped you?

Paul explained everything to me and didn't leave me wondering if I had made the right decision to proceed.

Have you seen the outcome you were hoping for?

Certainly, the outcome is what I had hoped for and was far less complicated than I had previously anticipated.

What could they have done better?

Paul was very much true to his word and kept me fully informed throughout the entire process. I truly do not think he could have done anything better.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had a number of pension plans that had become confusing and unclear over time, as a result of the work I used to do.

How has Paul Clifford helped you?

He ascertained the proper value of my schemes and pulled them together in a coherent way and re-invested the money for better growth. He did this in a way which accorded with my risk tolerance.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Paul has helped my husband and I to achieve an early retirement and has guided us skill fully forward.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

We were entering the final phase of our working life and so sought reassurance that we would be secure when retirement was eventually upon us.

How has Paul Clifford helped you?

Paul very clearly stated what our options may be and helped us to realise our limited assets in the most efficient manner. His single biggest contribution was to help us pay off the mortgage (our biggest liability) in the most timely manner. His advice has always been clear, straightforward and wholly pertinent.

Have you seen the outcome you were hoping for?

The process is still a work in progress but already we can see significant advancement towards our goals of secure retirement and inheritance provision for our progeny.

What could they have done better?

Seriously, there is very little that Paul could have done better. Quite simply, whenever I have any query, trivial or not (I am slow & do struggle to comprehend anything financial) Paul and his team are on hand to help.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement and wanting advise on how best to manage my pension fund.

How has Paul Clifford helped you?

Consolidating my old pension plans into a set-up from which I can draw down funds as needed.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

March, 2018

Overall

Advice

Value

Service

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

When I retired & received my lump sum.

How has Paul Clifford helped you?

Giving me advice & helping me to plan a low risk investment.

Have you seen the outcome you were hoping for?

I still have my lump sum plus interest & I have had an income from it . The answer is yes.

What could they have done better?

All has been well done He is always available & obliging He is cheerful he listens to me

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement.

How has Paul Clifford helped you?

Answered all my pensions queries,reinvested all my assets into better long term schemes,fully investigated my feelings on risk and invested accordingly.

Have you seen the outcome you were hoping for?

All aspects,pension investments haveexceeded my expectations.

What could they have done better?

No

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in Cambridgeshire

What were the circumstances that caused you to initially look for an adviser?

On retirement I received redundancy money and needed advice about investing this.

How has Paul Clifford helped you?

Paul helped by explaining the different levels of risk and suggested the investments best suited to our needs.

Have you seen the outcome you were hoping for?

Yes we have been very pleased with the the performance of our investments.

What could they have done better?

We are pleased with the progress of our investments and can’t see how Paul could have done any better.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Being nearly 70 years old it's quite tricky to raise money for mortgages etc. Paul helped enormously. He even came to my home and explained everything and went through all options available.

How has Paul Clifford helped you?

Paul helped me with a buy to let mortgage and also an equity release mortgage on a separate property.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I found Paul's advice and help extremely good. Fast, knowledgeable and friendly. I highly recommend him.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had a lump sum of money left to me after losing my husband. I needed to find the best return on my investment. He has also dealt with all my pensions and also my life insurance policy.

How has Paul Clifford helped you?

Paul was excellent and explained everything to me step by step in a manor that was so easy to understand. I can't recommend Paul enough, he is a very professional, approachable man and is also at the end of the phone whenever you need him.

Have you seen the outcome you were hoping for?

An excellent outcome has been reached and continues to grow for me.

What could they have done better?

There is nothing I felt that Paul could of done better, his professionalism exceeded my expectations.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

We needed professional guidance.

How has Paul Clifford helped you?

Paul has been great ,lots of useful advice for our needs very likeable guy too.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Paul was highly recommended to us by our previous Adviser and we were looking for a someone reliable to have a look at all aspects of our financial planning.

How has Paul Clifford helped you?

We were very happy indeed with the service we received. Complicated issues made simple. We had gotten lazy and didn't realise how much we needed a financial review. Now all aspects of our finances/insurances are sorted, and on track for our current protection and future retirement.

Have you seen the outcome you were hoping for?

We were more than happy with the products and services we received - we could never have gotten anything better if we had tried to sort this out for ourselves - we feel protected for the future for ourselves and for our children with regard to inheritance.

What could they have done better?

We felt that Paul gave us exactly the right advice, tailor-made for us specifically. Very helpful, efficient and friendly.

Review from verified client

March, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We needed financial advice.

How has Paul Clifford helped you?

By providing clear and understandable financial advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

As far as I am able to judge, nothing.

First impression from a user who is not yet a client

February, 2018

Overall

Please provide a brief comment about your experience with Paul

I cannot give full feedback yet as we won't meet until 10 March. However, Paul was prompt with his reply to my enquiry and courteous / knowledgeable when we spoke.

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

As a self employed person it was difficult to remortgage when it came to moving house.

How has Paul Clifford helped you?

Paul helped us by finding us the best affordable product available to us without us having to apply to many different lenders. He also helped set up a life cover policy & a critical illness policy.

Have you seen the outcome you were hoping for?

We managed to move house but thankfully I have not had the need to claim on those policies.

First impression from a user who is not yet a client

December, 2017

Overall

Please provide a brief comment about your experience with Paul

very knowledgeable, helpful and showed potential. l

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with Paul

Mr Clifford explained information on pensions and investing them which we are currently thinking about.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was offered an enhanced transfer value from my company pension scheme so had to seek advice from a financial adviser.

How has Paul Clifford helped you?

With Paul's help and guidance he helped me take the decision to transfer my company pension which as enable me to take early retirement.

Have you seen the outcome you were hoping for?

Yes it as enabled me to enter retirement mortgage and debt free.

What could they have done better?

In my opinion Paul could not have done more the advice I received was clear and precise with all relevant information needed for my situation.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Wanting advice on releasing equity from my home.

How has Paul Clifford helped you?

He gave me a thorough explanation of what equity release would involve including any disadvantages. He then scanned the market to find the best policy for me.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We required advice and help during a difficult personal time of family illness and needed to achieve the best financial security in the short/medium term.

How has Paul Clifford helped you?

He provided us with excellent advice and understood what we were lookng for. He was accessible, communicated our options to us very well and always took the time to make sure we understood everything. He acted on our behalf during a very difficult time and took the pressure and worry from our shoulders.

Have you seen the outcome you were hoping for?

Yes we were happy with the outcome and felt it provided us with a good financial plan.

What could they have done better?

I think we were 100% happy with everything that was done and would not hesitate to recommend Clifford Osborne to others who are seeking financial advice and help.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had various employee pensions, plus a private pension, that needed to be reviewed to ensure optimum income flexibility in retirement.

How has Paul Clifford helped you?

Paul advised me on which pensions to hold on to and which pensions to move into a new scheme that would provide me with more options in retirement. The scheme met my need for medium risk while offering significant growth potential.

Have you seen the outcome you were hoping for?

I was very satisfied with Paul's recommendation and my new pension scheme has been running now for 10 months. It is on target to increase in value by over 9% in the first year. I am very happy with this outcome.

What could they have done better?

Paul is extremely knowledgeable and is clearly motivated by finding the best financial solution to meet each of his client's individual circumstances and needs. He is very open and provides a wealth of information; however, the extent of this and the speed with which it is delivered can be overwhelming and difficult to absorb. Having said that, Paul is always patient in answering questions to clarify any point.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We were looking to fund some home improvements.

How has Paul Clifford helped you?

Understood and gave positive advice to enable us to for fill our needs.

Have you seen the outcome you were hoping for?

Yes, Paul was very helpful when there was a hiccup with the legal team.

What could they have done better?

Nothing, after the form filling was completed he kept regular contact regarding any relevant information he needed to pass on and that we were kept fully informed.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needing to realise some finances.

How has Paul Clifford helped you?

Paul explained the procedure in plain English with all the options and results.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything that would have made the interview or outcome better , Paul made it a very personal experience , and we felt we could always contact him with any query . We would certainly recommend him .

First impression from a user who is not yet a client

September, 2017

Overall

Please provide a brief comment about your experience with Paul

Very helpful and clear explanation.

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Paul

Very professional friendly, and clear would use again

Review from verified client

July, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Nearing retirement and wanting to know if the fund in my final salary pension could provide me with a more flexible income in a different scheme.

How has Paul Clifford helped you?

The information and guidance on pension transfers that Paul provided was clearly presented and enabled me to make an informed decision on how best to proceed. His financial knowledge and expertise was reassuring, and I felt that his advice was definitely in my best interest.

Have you seen the outcome you were hoping for?

The transfer process is still on-going at the time of writing this review.

Review from verified client

June, 2017

Overall

Advice

Value

Service

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I wanted to transfer a pension out of a company pension scheme that only offered the ability to purchase an annuity into an income drawdown arrangement to provide maximum flexibility and ensure that my surviving dependants would inherit the residual fund.

How has Paul Clifford helped you?

Paul listened to what we were trying to achieve and suggested an investment fund that provided the flexibility we were looking for with moderate exposure but projected growth.

Have you seen the outcome you were hoping for?

It is too early to say as the pension fund transfer is due to take place into the chosen fund shortly, however with the flexibility provided I think that the investment decisions can be revisited and changed should circumstances dictate in the future.

What could they have done better?

At this early stage I could not fault anything that Paul has done and having spoken with him at length I think if I did have a constructive suggestion he would consider it.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needed help to understand Pension options.

How has Paul Clifford helped you?

Paul understood my situation and was able to tailor advice to my circumstances. All details were clearly explained giving me the confidence to choose the best option.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

All work undertaken more than met expectations.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Outside UK

What were the circumstances that caused you to initially look for an adviser?

I had investments that I inherited from my mother and also had my own investments, and I needed to look for help from someone that I could trust in this area.

How has Paul Clifford helped you?

Paul has always given me the best help that I have needed in helping me to find the best ways of looking after my investments. So I would definitely recommend Paul, to anybody who needed financial help and advice.

Have you seen the outcome you were hoping for?

Yes, most definitely. The outcome has proved to be successful for my future.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed advice about Equity Release and wasn't sure which provider to use.

How has Paul Clifford helped you?

He gave me advice on the pros and cons and found me the relevant provider.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am very satisfied with the service I received

First impression from a user who is not yet a client

May, 2017

Overall

Please provide a brief comment about your experience with Paul

Paul is very efficient and informative. Was very punctual with my appointment and extremely helpful.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Investment advice after retirement.

How has Paul Clifford helped you?

Paul discussed and established my investment preferences and the element of risk I was prepared to take . Subsequently he researched and presented the options for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No ,I think in these precarious times Paul has given me sound advice.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had a pension scheme that had been frozen and wanted to remind start it.

How has Paul Clifford helped you?

Recommended by a friend.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I felt that the information and advice I received was very good.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Remortgaging after marrying with transfer of ownership.

How has Paul Clifford helped you?

Reviewed our circumstances by listening very carefully and looked for best deal to meet our needs.

Have you seen the outcome you were hoping for?

Yes we successfully opened a new mortgage in joint names and reduced the term.

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Paul

He responded quickly to my initial enquiry and was flexible about when and where we could meet. He was very personable and provided some written information about options at our initial meeting.

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Paul

Very proffesional and kept up a good line of contact.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

My money just wasn't working enough, very little return.

How has Paul Clifford helped you?

Paul took his time to understand who I am, what I might need in the future and how that might be realised. He gives his time generously and I was very happy to hear that he is now Chartered. He deserves such recognition. Paul was recommended to me and I am delighted he's on my side.

Have you seen the outcome you were hoping for?

It's been a year and, yes, Paul has delivered!.

What could they have done better?

Paul gives a full service.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Originally for mortgage advice but Paul was so helpful we asked him to review our pensions also.

How has Paul Clifford helped you?

He helped us with financial planning on buying a buy to let house and also on our pensions.

Have you seen the outcome you were hoping for?

Yes, advised against buy to let as not economical on long term basis and transferring our pensions to a cheaper provider.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

I have been using Paul for many years now and his help and advice has helped me achieve the goals i have set myself.

How has Paul Clifford helped you?

1. Paul has listened to me and then we have put together a strategy for my retirement. 2. Paul has helped with transferring my dwindling pension in its present situation to a much more rewarding package that keep me in control of all the money without any loss on death to my benefactors. 3. On renewing my pension Paul's advice was paramount in the decisions i have made to the setting up of my renewal and how to go about achieving retirement at 2020 with the house paid for.

Have you seen the outcome you were hoping for?

So far all is going very well with a positive outlook on the future. My new investment plan has a much better outlook with me in complete control. i am very happy with the pension arrangements.

What could they have done better?

Paul is very experienced and on all the information i have received over the years it has always benefitted me.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We wanted to re-mortgage at a better rate.

How has Paul Clifford helped you?

Paul helped reduce our monthly payments by 25%.

Have you seen the outcome you were hoping for?

Yes.

Paul's reply

Happy to help as always and I very much I look forward to seeing you both again in due course,

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Our existing Adviser retired and after a meeting and discussion we decided we would like to continue with Paul who understood our requirements .

How has Paul Clifford helped you?

By helping us to consolidate our finances and bring us up to date with other investment opportunities. Paul has been a great help to us as our circumstances have changed a lot and his advice for the future has given us more confidence on how to manage our future.

Have you seen the outcome you were hoping for?

So far things have gone to plan, Paul's advice and recommendations have been good and we have confidence that if our circumstances were to change again Paul would do his best for us to cope with a new situation.

What could they have done better?

Paul has always been available to either see us or speak on the telephone, he has a good back-up office where his staff are very help full. For us the personal touch is most important and I hope he is able to continue this without technology taking over too much.

Paul's reply

Happy to help as always and I very much I look forward to seeing you both again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

An inheritance which we needed advice for.

How has Paul Clifford helped you?

He suggested alternatives for investing the money.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I knew next to nothing about finance and appreciated all the advice and explanation given, so can't think of anything that could have been done better

Paul's reply

Happy to help as always and I very much I look forward to seeing you both again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Originally I looked for a financial adviser to help me get a small Buy to let mortgage. He has since helped me with two other buy to let mortgages.

How has Paul Clifford helped you?

Paul was incredibly helpful and very prompt in all his dealings with myself and the various mortgage companies. He gave very indepth and knowledable advise at all levels.

Have you seen the outcome you were hoping for?

Absolutely. It was all, very quick and very suitable to my particular circumstances.

What could they have done better?

I don't think Paul could have done anything better than he did and I'm very delighted with him and plan to use him for other investment advice in the future.

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

My first husband died while away on business and I had a big insurance payout.

How has Paul Clifford helped you?

He was not my first financial advisor but he has helped my investments portfolio grow well over the last few years.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Paul is very attentive and always makes time to come and see me face to face.

Paul's reply

Happy to help as always and I very much I look forward to seeing you both again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Needing to plan for the future in terms of pensions and mortgage.

How has Paul Clifford helped you?

Paul quickly identified the options I could consider. Sometimes it was difficult to keep up with his train of thought simply because I am not focused on financial matters, but that was why I sought his help.

Have you seen the outcome you were hoping for?

Yes I was happy with his recommendations and I feel i understand more than I did. The plan has been implemented.

What could they have done better?

It is a specialism and clients have to trust their advisers. He could have spent a lot longer taking me through the background basics of financial systems, but If I had understood it already, there would have been no need for engaging him in the first place.

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed a top up to the lifetime mortgage on my property and had used Paul before for original equity release.

How has Paul Clifford helped you?

Paul definitely understood why we needed to top up our lifetime mortgage and he explained everything relevant to our requirements. The most important thing he has done for us was to take control of all requirements needed to achieve a satisfactory outcome.

Have you seen the outcome you were hoping for?

All paperwork that was required for us was completely understood and explained by Paul. We were more than happy in the success of releasing equity from our property.

What could they have done better?

We were more than happy with all aspects of Paul's advice and feel that all was explained to us in a completely straightforward way in which we could understand. We cannot think of anything Paul could have done better.

Paul's reply

Happy to help as always and I very much I look forward to seeing you both again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Dissatisfied with my previous advisor.

How has Paul Clifford helped you?

Moved my pension to a more effective scheme and advised on further investment.

Have you seen the outcome you were hoping for?

Yes, in fact the outcome was quite a bit better than I had expected.

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

HOME refurbishment.

How has Paul Clifford helped you?

He found me the best interest rate that suited my situation and acted very quickly.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing more he was very helpful

Paul's reply

Happy to help as always and I very much I look forward to seeing you again if required Paul,

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We wanted to release equity from our house and required an Independent Financial Adviser to handle the process - which is required by most equity release lenders.

How has Paul Clifford helped you?

He provided fair and objective advice, helped us choose the right package and lender for our needs and being independent had no vested interest in promoting a particular company or product. He thoroughly took into account all of our requirements and explained clearly the entire process and the implications of equity release.

Have you seen the outcome you were hoping for?

Yes. We achieved the amount and the terms we expected.

What could they have done better?

We were extremely happy with all the counselling and advice provided by Paul and could not think of anything that he could have done better.

Paul's reply

Happy to help as always and I very much I look forward to seeing you both again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Information required on where to invest for the future.

How has Paul Clifford helped you?

Provided clear advice with choices about investments based on my risk profile.

Have you seen the outcome you were hoping for?

Investing is a long term process so a little early to say.

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Change in work circumstances.

How has Paul Clifford helped you?

Paul took the time to understand my individual circumstances and needs for the future. He then was able to offer the best options and took the time to fully explain.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We were looking to release some equity from our home.

How has Paul Clifford helped you?

Paul explained very thoroughly about equity release and also investment planning. He was with us all the way explaining everything.

Have you seen the outcome you were hoping for?

Yes we are very happy with the outcome.

What could they have done better?

All the information was clear and constructive and we could talk about all our finances.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Divorce.

How has Paul Clifford helped you?

clear advice.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

no

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension review and life insurance to protect the business & family.

How has Paul Clifford helped you?

Paul listened to my concerns, took on board my wishes and presented in a timely manner the best option for me.

Have you seen the outcome you were hoping for?

Early days but historical values look good.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

due to ill health, two slipped discs in the neck, I've had to move the defined benefit pension accrued with Stagecoach to Royal London, so I can release 25% to live on, as I 've lost both the lorry and bus licences.

How has Paul Clifford helped you?

he has been very helpful from warning of all the risks associated with this type of transfer, to dealing with a very intransigent company that Stagecoach have shown to be and giving me all the paperwork needed to make an informed decision.

Have you seen the outcome you were hoping for?

with Stagecoach being very slow to release my pension fund has led to financial difficulties, this has left me demoralised and penniless.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Taking early retirement pension and investing.

How has Paul Clifford helped you?

Gave good insight into long term investing via PruFund.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Unsure as to the best way forward with a pension as the rules changed.

How has Paul Clifford helped you?

He was extremely thorough and helped me make a decision .

Have you seen the outcome you were hoping for?

Well so far so good, but I was advised of the risks as well as the advantages.

What could they have done better?

Well I think Paul was pretty good trying to keep me understanding the procedure, but was rather daunting in a world that is not familiar to me. Just felt I could trust him to do the best for me especially as he complimented me on my coffee!

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was recommended by my previous Financial Adviser as she was retiring.

How has Paul Clifford helped you?

By discussing my investments.

Have you seen the outcome you were hoping for?

Not with the current financial market.

What could they have done better?

Nothing

Paul's reply

Happy to help as always and I very much I look forward to seeing you again in due course, Paul

Review from verified client

July, 2016

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Running a small business you never have time to look at the details of pensions etc! Having a professional in those areas is good business sense for me.

How has Paul Clifford helped you?

Setting up pensions and working towards my retirement.

Have you seen the outcome you were hoping for?

Yes it is laid down very clear and I understand what I have to do to get to my goal.

What could they have done better?

I am very happy so far with all the advice I have been given and this has helped me in achieving my goal for the future

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I saw Paul for Pension advise. He was very pleasant, used language I understood and I felt at ease to ask questions and get all the information I required. I never felt rushed or pushed towards one product. I also found out alot more information about pensions/retirement which is very useful. He organised everything very promptly without fuss. thank you.

How has Paul Clifford helped you?

as above.

Have you seen the outcome you were hoping for?

Not as yet as with pensions this takes some time but everything is set up and working.

What could they have done better?

Nothing

First impression from a user who is not yet a client

April, 2016

Overall

Please provide a brief comment about your experience with Paul

Paul contacted me by email. I replied to him giving my mobile number to call but he has not contacted me since! So I have gone elsewhere.

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had an amount of money to invest for income.

How has Paul Clifford helped you?

Paul gave me sound advice regarding a stable secure income from my investment which has proved absolutely the case.

Have you seen the outcome you were hoping for?

Yes without doubt.

What could they have done better?

Nothing as far as I can see. When you want him to visit it is arranged within a few days

Review from verified client

March, 2016

Overall

Advice

Value

Service

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

review pension for future.

How has Paul Clifford helped you?

we were offered good advice offered options and the process was quickly done Paul was very easy to talk to and listened to us.

Have you seen the outcome you were hoping for?

yes we are satisfied with what he has done for us.

What could they have done better?

nothing

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

The need to consolidate my various pension pots and access the tax-free lump-sum in order to fund the deposit for buying a rental property.

How has Paul Clifford helped you?

Paul understood what I was trying to do and identified a good, flexible option for the consolidation of my pension pots. He also arranged a mortgage and ensured that the procedures for consolidation and release of the tax free lump sum were completed in time for the property purchase to go through.

Have you seen the outcome you were hoping for?

It's early days so I can't pass judgement on how my remaining pension funds are doing. I am very pleased though that I was able to access the tax free lumpsum and get a mortgage for the rental property.

What could they have done better?

Paul was very good at listening to me and understanding what I wanted to do with my pension pots. I think he could improve his explanation of the reasons for choosing one option over another by going a bit more slowly and positioning his computer screens so that they can be seen easily by the client.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension and savings advice.

How has Paul Clifford helped you?

He was extremely knowledgable about a broad spectrum of financial aspects and was clear and concise in his explanations.

Have you seen the outcome you were hoping for?

Yes am very happy with the outcome.

What could they have done better?

I was very happy with his advice and therefore cannot say what he could have done any better

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We wanted an independent review and update in order to plan continued retirement.

How has Paul Clifford helped you?

Paul provided an analysis of our current situation and then details of a number of courses to take.

Have you seen the outcome you were hoping for?

Yes and we more aware of the opportunities before us.

What could they have done better?

Can't find fault - very happy with the service provided.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Divorce proceedings.

How has Paul Clifford helped you?

He advised me regarding drawdown of my pension as well as advising on sharing my husband's pension regarding divorce. Also, mortgage advice too.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am very happy with Paul and Caroline's advice and will continue to approach them for any further advice I require. I have recommended their service to others too.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Paul

Excellent advice - as much as could be crammed into one hour. He spoke very fast but I guess he wanted to get all the info across quickly.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I had run a successful business for over twenty five years and for health reasons had to take early retirement. My then financial adviser was recommended by our accountants for our company, this seemed to work very well but over the years there has been less advice and communication. In that time we had moved home and was looking in our local area and after making several phone calls Paul Clifford understood our situation and our needs.

How has Paul Clifford helped you?

On our first meeting we touched on an existing pension that I had, and he did offer to see if it could be more beneficial relating to payments, we then looked at equity release and obviously we had heard all the bad reports about it. Paul was very informative and helped us through the process and kept us up to date with the progress.

Have you seen the outcome you were hoping for?

Yes very much so, and we are still working on other projects. His knowledge in this field is second to none.

What could they have done better?

There is nothing he could have done better, we just wish we had found him sooner.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Equity release.

How has Paul Clifford helped you?

organised every thing and found best deal.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

nothing contact was excellent advice excellent very happy with a quality service

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Paul

Very Good

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Paul

a very good first impression and he went through the process of moving a defined benefit pension to a more accessible version.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Buying a house.

How has Paul Clifford helped you?

Paul has provided an excellent service, he searched for the best mortgage available for us. He was always available and guided through a process of which we had no idea what we were doing.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

First mortgage.

How has Paul Clifford helped you?

Paul advised and arranged our mortgage.

Have you seen the outcome you were hoping for?

We could not be happier with the service that we received. He speed and ease with which it occurred was above our expectations.

What could they have done better?

There was nothing Paul could have done more. He and his team did an exemplary job. I would not hesitate to recommend him.

First impression from a user who is not yet a client

November, 2015

Overall

Please provide a brief comment about your experience with Paul

Paul was helpful and suggested different options for me that would be useful.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Pension advice required due to lack of care by previous advisor.

How has Paul Clifford helped you?

Complete review of my pension analysis of what I need now and planning for the future.

Have you seen the outcome you were hoping for?

Yes new provider and clear reports given.

What could they have done better?

I can not think of anything he could have done better information was concise and clearly explained.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Rearrangement od Equity Release.

How has Paul Clifford helped you?

Found the most suitable lender for our needs.

Have you seen the outcome you were hoping for?

Yes all has been completed.

What could they have done better?

Nothing to our knowledge

First impression from a user who is not yet a client

November, 2015

Overall

Please provide a brief comment about your experience with Paul

Very informative, although arrived slightly late, no phone call, leaving less time to go into as much detail as Id have liked. However, he did let me know about options I hadn't really considered, & overall Id consider using him when the time comes.

First impression from a user who is not yet a client

October, 2015

Overall

Please provide a brief comment about your experience with Paul

Paul was polite and took time to get all the information required . He gave concise clear answers to all my questions and seemed to give me as much time as I liked to expand a range of investments.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

In our 50's looking at finishing our mortgage, investing money which we had saved over the years ready for retiring. Being in the position of being made redundant but not knowing when, but finally happening at the age of 60. My wife had various private pensions but carried on working past retirement date.

How has Paul Clifford helped you?

Paul advised to stop paying our endowment mortgage but still keeping our £30,000 on death in place and open a repayment mortgage. Invested our savings, redundancy, Pension lump sums into various ISA,s and Insurance bonds taking into account both our views on high and low risk concerns. These investments are also part of AWA Platform.

Have you seen the outcome you were hoping for?

Aged 62, Retired since being made redundant end October 2013 on a Final year Pension. My wife aged 65 still working but only 1 day a week taking State Pension plus a small final year Pension and cashing in an L&G Pension. We have finished paying repayment Mortgage and our endowment is still running until 2018. We have some money available for every day, holidays and general spending. We have put aside a Budget for building work on our home new conservatory e g. The rest has been Invested by Paul in various ways where we could take an income if needed. Paul has taken the worry of out of having a large amount of money to us Investing it which now growing in times of uncertainty.

What could they have done better?

At the moment we have been totally happy with the Paul has conducted our affairs and is regarded as a good friend.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Buying our first house.

How has Paul Clifford helped you?

He helped by talking us through the processes involved, our options and the relative merits of each option.

Have you seen the outcome you were hoping for?

We have a mortgage offer and life insurance in place although we are currently stuck in a chain.

What could they have done better?

I would usually have plenty to say in this box but I really can't think of anything that Paul could have done to improve the process.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

The Financial Adviser i was using for 25 years had stopped due to ill health and recommended Paul Clifford as it was her Adviser.

How has Paul Clifford helped you?

Has listened to my requirements and happy with the plan Paul has offered.

Have you seen the outcome you were hoping for?

My current situation that Paul has just put together will i hope give me the outcome that i am looking for.

What could they have done better?

You have to put your trust into a Financial Adviser that they are doing the best for you and personally as long as i am getting the best advice and getting good results then i'm happy.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in North Yorkshire

What were the circumstances that caused you to initially look for an adviser?

My property had been on the market for 12 months and previous financial advisors had suggested we had no other option but to wait or reduce the selling price to a silly sale price in order to relocate.

How has Paul Clifford helped you?

Paul spoke of a range of options, made some calculations and presented a number of scenarios to us, he did this quickly and clearly.Once we had made our decision Paul helped us through the process and interacted with the various agencies involved.

Have you seen the outcome you were hoping for?

We were able to release equity and relocate within a short space of time, thanks to Paul. This gave me great confidence in his ability and me and my family are in the process of using him to arrange life cover for us.

What could they have done better?

Not at all, I genuinely feel Pauls ability and service played a key part in helping us achieve our dream move.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

Our mortgage was due to be paid up, and we don't quite have enough pension to retire. We needed to know if it was putting extra money in pension scheme(s) or to invest in an ongoing savings plan. As we are both 55 we guessed that pension plan was not necessarily ideal.

How has Paul Clifford helped you?

Firstly he went through are pension arrangements and suggested that more pension was not necessarily going to benefit us as much as a saving plan with a regular review.

Have you seen the outcome you were hoping for?

It is early days yet. We have only just started investing.

What could they have done better?

Paul explained lots of options that were open to us and when we asked him he prompted us towards certain products. This was taking into account our requests and the feedback we had previously given. I grasped the general idea of what we were being told but was a bit overwhelmed by the amount options. Paul was very patient and went over everything as often as we needed. Not sure what he could have done better.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed help to invest the money I received from my late husbands estate.

How has Paul Clifford helped you?

He advised me, following a risk assessment, the options available for investing my money. I understood that I would always be able to access my money, should I need it, but there might be a time delay if the markets were down.

Have you seen the outcome you were hoping for?

The money I Invested has shown me a small profit as well as covering the set up fees and Paul's commission.

What could they have done better?

I was very satisfied with his advice and know I could not have done it myself.

Review from verified client

September, 2015

Overall

Value

Service

Advice

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Retirement approaching fast and I needed guidance and advice on both my pension pot(s) options and existing under performing investments.

How has Paul Clifford helped you?

Mr Clifford was knowledgeable patient and sympathetic to my needs and I never felt pressured or rushed and the advice was clear and concise . I was kept informed throughout the process by Paul and his team.

Have you seen the outcome you were hoping for?

I feel happy with recommendations made based on my personal circumstances and stated objectives and would not hesitate to recommend Paul and his the team.

What could they have done better?

Was very happy with the service provided and felt he really listened to my needs ,Paul seems to have excellent knowledge and combines this with a no-nonsense approach and friendly personality

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Capital Sum to invest.

How has Paul Clifford helped you?

Suggested a mix of options.

Have you seen the outcome you were hoping for?

I have changed my priorities recently therefore it is too early to evaluate comparative options at this stage.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I needed help to manage my savings and to plan for the future.

How has Paul Clifford helped you?

He has invested wisely on my behalf and he is now helping with pension planning.

Have you seen the outcome you were hoping for?

We are in the process of reviewing my pension options.

What could they have done better?

No, Paul is really easy to talk to and he discusses options that are easy to understand

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

I was looking to bring all my various pensions together and, draw down 25% to help clear my mortgage etc.

How has Paul Clifford helped you?

He ensured that all administration ran smoothly.

Have you seen the outcome you were hoping for?

Everything has now been put in place.

What could they have done better?

No t a lot really, except for possibly keeping me better informed with what was happening with the various withdrawls

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Paul

Paul is a very pleasant man. Extremely helpful and knowledgable. I would recommend him.

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Paul

My first meeting was very informative and helpful. Mr Clifford explained my current financial situation very clearly and discussed options available to me in an easy to understand way. I am awaiting further contact regarding the way forward. First impressions very good.

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Paul

Only a brief initial phone call with Paul but he offered good advice and was very helpfull

First impression from a user who is not yet a client

September, 2015

Overall

Please provide a brief comment about your experience with Paul

GOOD

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Despite already having a mortgage, when it came to looking into the possibility of moving house I knew we would find it difficult as I am self employed.

How has Paul Clifford helped you?

Paul took our needs & concerns on board & helped us get the mortgage we needed to move up to the next level. Without his expertise, advice & suggestions we would have struggled without question but Paul took that worry away & came up with a plan & ultimately a mortgage product suitable for our requirements.

Have you seen the outcome you were hoping for?

We have now sold our old place & moved into our new home which we love.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Pension review and savings.

How has Paul Clifford helped you?

Found the best annuity for my pension and advised on saving in a bond.

Have you seen the outcome you were hoping for?

Very pleased with the pension acquired and the growth of the bond into which we have invested.

What could they have done better?

Cannot find fault with his advice and his general attitude to our needs

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Having reached retirement age and needing both pension advice and capital, I approached Paul Clifford for that advice.

How has Paul Clifford helped you?

Paul listened carefully to my needs and, having researched my options he suggested a course of action that fully satisfied those needs.

Have you seen the outcome you were hoping for?

My current situation is exactly what I require .

What could they have done better?

I believe that the service I received exactly met my requirements and I cannot see how it could have been improved upon

First impression from a user who is not yet a client

August, 2015

Overall

Please provide a brief comment about your experience with Paul

Very useful and friendly advice.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Both my husband and I needed assistance with our private pension and how best to deal with it and if we needed to take it out and reinveste it for better investment return or if best to leave it in its present fund. Husband had been made redundant three time in past and Coming up for retirement and concerned how we could carry on with mortage so needed advise regarding taking the out equity release to pay off our which would be paying off up to our eigheth birthdays if we did nothing and we were recommended to contact Paul Clifford who helped them out of a situation .

How has Paul Clifford helped you?

Paul helped us understand all we needed to understand regarding our pensions and annuity equity release fully and was so helpful and understanding plus arranged everything and very proffessional in his organising all our needs.

Have you seen the outcome you were hoping for?

Paul sorted out All our needs a our current situation has now been fully resolved and we are fully satisfied with all the hard work he carried out on our behalf as we asked of him.

What could they have done better?

Paul did everything and we were very happy with the results he achieved and believe there was nothing else he could have possibly done. We found Paul to be very though in his work plus check all details to make sure we were happy and fully understand would he was helping us with at all times. Paul is also very proffessional and knows his job very well and fully recommend him.

Review from verified client

August, 2015

Overall

Value

Service

Advice

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

I wanted to consolidate my pension contributions and did not know where to start!.

How has Paul Clifford helped you?

Obtained all the relevant information and then prepared a report to explain what my current situation was and what options were available to me. Once done, Paul implemented my choices and kept me informed throughout. I had a few queries after the changes and Paul or one of his team were immediately available to help & explain.

Have you seen the outcome you were hoping for?

The changes have only just been implemented, but I can say that the outcome to consolidate has been simple, straight forward & stress free, thanks to Paul.

What could they have done better?

For me, he pitched it just right. Paul attended my home on two occasions, he spoke at my level and he delivered what he said he would deliver. I have online access to view the situation for myself and he and his team have proved that their after sales service is just as good. I really cannot make any suggestion to do something better!

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Neath Port Talbot

What were the circumstances that caused you to initially look for an adviser?

Initially for retirement advice and proffesional assistance with a private pension. We also expressed an interest in Equity Release.

How has Paul Clifford helped you?

Paul Clifford has taken care of the process of arrainging the best poosible pension deal available and has secured a good income for my wife and myself, ensuring a secure future for us. Paul has also set up and overseen the process for Equity release on our property. In doing all of that he has made sure that we understood the process from th very start and that we are kept informed of all progress ensuring that everything is presented in a way that my wife and myself, (even with our limited knowledge of the financial arena) can understand. We are extremely happy with the outcome of my pension arrangement, which I certainly could not have engineered without the premier work of Paul and we are also thankfull that we can rest assured that we are in very proffesional, safe and secure hands. We feel that we can rest easily secure in the knowledge that our future is in the very comptant hands of Paul Clifford and the very able and amiable assitance of his secretary Caroline. Paul also advised us on a very competant company of solicitors to act on our behalf ensuring that the whole process has been as stress free as is possible, in fact totaly stress free.

Have you seen the outcome you were hoping for?

We are reaping the benifits of the outcome arranged by Paul in reference to my private pension, which we are very happy and satisfied with. The Equity release is still ongoing but at a pace that we are happy with and we are sure that Paul is working to secure the best deal for us.

What could they have done better?

Paul Clifford was recommended to us by people that he had positively acted on behalf of and since acting on our behalf we feel that we could not have been represented in a more thorough, profesional, friendly and caring way by him and his staff.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

We have been using Paul Clifford for mortgage advice for several years. During that time we have found him to be extremely knowledgeable in all areas of financial services. He has always been reliable and we feel confident that he has given us good advice. We would recommend him without hesitation

What could they have done better?

Could not have done better.

First impression from a user who is not yet a client

August, 2015

Overall

Please provide a brief comment about your experience with Paul

Very professional and answered all questions clearly.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in West Sussex

What were the circumstances that caused you to initially look for an adviser?

My current (at the time) adviser was retiring from this side of the business and recommended Paul.

How has Paul Clifford helped you?

Paul helped me to build a good portfolio of investments with good return. He always comes to visit me so that we can talk through my needs.

Have you seen the outcome you were hoping for?

Although I have cashed in a lot of my savings I still have a good mix of investments that yield a profit.

What could they have done better?

Paul is an excellent listener and advises me very well.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

We needed some very specific advice on life insurance and a more general conversation about pension provision.

How has Paul Clifford helped you?

He was prompt, efficient and told us what we needed to know on the specifics, and was happy to have a more general conversation, which will probably lead to us seeking further advice from Paul very soon. He explains things well and doesn't bring any pressure to bear, leaving the final decision up to the client.

Have you seen the outcome you were hoping for?

We bought a life insurance product through Paul, which was what we needed and we are thinking seriously about adjusting our pension provision.

What could they have done better?

Nothing I can think of offhand.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

With the change in government rules regarding pensions, I noted that mine were not growing as they should. At 55 I wanted to make sure I was getting the best I could over the next 10 or 11 years. With news about pension investments disappearing with criminals I ran several checks on Clifford Osbourne which all came up clean, so I decided to proceed.

How has Paul Clifford helped you?

Paul visited me several times and explained my options in great detail easing me through the piles of paper financial advisors are forced to provide. It a lot to take in, but he patiently made recommendations which I took. My frozen pensions are now merged into a single account within a month grew to cover all fees.

Have you seen the outcome you were hoping for?

All safely in a good account and growing nicely. I can see it all on-line whenever I choose.

What could they have done better?

Can't think of anything.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Investment opportunities for my mother after she became a beneficiary.

How has Paul Clifford helped you?

In all aspects of financial matters relating to investment of capital.

Have you seen the outcome you were hoping for?

Yes. My mother has invested after Mr Clifford visited at her home to prevent her having to travel. She is elderly and specifically wanted to receive advice in her own home. Mr Clifford has been excellent. Always reliable and always on time.

What could they have done better?

I can think of a way to improve his excellent service.

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in London

How has Paul Clifford helped you?

I have been with Paul for about 3 years and, despite the recession, I have seen the value of my Investments rise steadily in that time. He is approachable and responds quickly to any queries or requests I have. If I need to make a withdrawal, he can organise it so I lose the least amount of interest and pay the least amount of tax. The personal Annual Review is very helpful - a chance to discuss my future requirements in person.

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul reacted promptly to our initial enquiry. He was friendly and courteous on every occasion we met with him and went to great lengths to explain all the options available to us and to ensure that we understood them. He was very patient and thorough in all his dealings with us. We have subsequently acted on his advice and are very satisfied with the returns on our investment to date although, of course, it is only in the very early stages. We would thoroughly recommend Paul to anyone seeking financial advice.

What could they have done better?

Can't think of anything to be honest!

First impression from a user who is not yet a client

March, 2015

Overall

Please provide a brief comment about your experience with Paul

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Hampshire

How has Paul Clifford helped you?

Paul is always accessible, for whatever question or query we may have, either by e-mail or phone. He is very pro-active, we found this especially when Paul was helping to arrange my husbands annuity to take an early retirment. We are confident that we could not have got a better annuity return anywhere.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Paul

Paul came up with a lot of ideas, overall a bit too much information to take in on one visit.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Paul

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

He works with you to identify your goals providing clear and concise advice, undertook all the necessary research and paperwork and was friendly and courteous at all times. He always responds promptly to requests for help and assistance.

What could they have done better?

Nothing and I would recommend him to anyone who needs financial help and guidance.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Paul

He was friendly, helpful and addressed the concerns we had to our satisfaction.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Paul

Review from verified client

January, 2015

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Highly competent, value for money, proactive and efficient. Responded rapidly to queries.

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Paul

Informative first meeting. Now looking into my pension accounts and will come back with a report.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Surrey

How has Paul Clifford helped you?

Paul has dealt with our finances for a number of years and has always shown a very professional approach to our requirements. He always listens to what we have to say and explains everything in such a way that we can understand. He is willing to travel to our home if we are unable to get to his office and is always friendly and courteous in every way.

What could they have done better?

Not sure that there is anything that could be done better!

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

as my wife and i recently retired we were interested in equity release to enable us to modernize our home. we were both totally ignorant as to how to approach it. having used paul for pension advice before it was obvious to use him again as the advice he gave us regarding pensions was spot on. the advice he gave us for equity release was perfect for us, he also gave the best advice regarding the solicitor and equity release companies able to provide us with the best available deals. he took care of all the arrangements required to do this with lots of communication as to how things were proceeding. paul is a very considerate and likable person who is able to make you feel like one his mates.

What could they have done better?

nothing can replace the friendliness and advice from such a likeable person and feel there is nothing more paul can do to make inexperienced persons like ourselves feel confident about taking large steps with there finances

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in London

How has Paul Clifford helped you?

Very happy with the level of service provided and his ability to explain complicated arrangements in a clear easy to follow and understand way .

What could they have done better?

Happy with everything, Paul is a really nice genuine chap and his administration and back up is really good . Nothing is too much trouble and I would not hesitate to recommend Paul and his company.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul has a very friendly approachable personality. He put us at ease right away and was very good at helping us understand things we found were way over our head He did not make us feel uncomfortable and awkward as we had with our previous adviser. He explained things in a simple manner which we gratefully appreciated. I would take great pleasure in recommending Paul to any one who needs advice .

First impression from a user who is not yet a client

September, 2014

Overall

Please provide a brief comment about your experience with Paul

Very friendly , knows what he is talking about . Hope to use his help in the very near future .

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

From the initial enquiry until finalising our requirements, we were confident in the handling of our affairs, the expertise and all the knowledge which reassured us.

What could they have done better?

Nothing

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Professional and approachable Paul gave us good advice and dealt with our application efficiently. I was able to text him with any questions and always received a swift response.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

He took alot of the stress out of buying my house as he sourced the best morgage deal for me and arranged the whole thing.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

We found that Paul understood what we wanted from our pensions and savings, probably more than we did. His advice and knowledge were instrumental in securing the best possible return we could get.

What could they have done better?

Can't think of anything, he took time to explain things and really cared that we were happy about everything.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

In my experience Paul took time to listen to the circumstances surrounding situation, in and out of office hours and the goals I wanted to achieve and listed potential options and the pro/cons of these options so that I could make a fully informed choice of what was best for me - he also kept on top of the matter to help ensure things ran smoothly.

What could they have done better?

This was my first proper experience of using a financial advisor and probably had some unfounded preconceptions of the industry, Paul was professional and diligent and a credit to his profession.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul took the time to thoroughly understand my needs and requirements regarding my pension arrangements and before undertaking painstaking research on my behalf. His advice was given in a clear and concise manner which made my decisions easy to make.

Review from verified client

June, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul helped me achieve my objective at no cost to me , recommended.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

I HAVE ALWAYS FOUND THE COMPANY TO BE VERY HELPFUL & EFFICIENT IN UNDERSTANDING MY GOALS & REQUIREMENTS THROUGHOUT MY LONG RELATIONSHIP WITH THEM. THE ADVICE HAS BEEN GIVEN IN A WAY THAT I CAN UNDERSTAND & THEY HAVE NEVER TRIED TO TAKE ME INTO AREAS OF RISK THAT I AM NOT SAFE WITH. I FEEL THAT I HAVE BEEN GUIDED WELL OVER THE YEARS & AM EXTREMELY HAPPY WITH THE OUTCOME OF MY INVESTMENTS & PENSION. I WOULD HAVE NO HESITATION IN RECOMMENDING THEIR SERVICES FOR ALL YOUR FINANCIAL REQUIREMENTS.

What could they have done better?

I DO NOT HAVE ANY CONSTRUCTIVE CRITICISM TO OFFER.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is a knowledgeable, professional and straight talking financial advisor. He offers his advice and recommendations based on our family's needs and respects our financial decisions. As we work full time, Paul is happy to visit us at home early evenings which is great customer service.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Surrey

How has Paul Clifford helped you?

Friendly and approachable. Listens and understands aims and objectives and communicates well

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Offers sound advice, very efficient, explains things clearly and the information he gives is easy to understand. He is very approachable, thorough in his work, very patient and always comes up with best product available. We are always very satisfied with any work he undertakes for us.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Good advise without any pressure

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Provides a personal and caring service with regular updates.

What could they have done better?

It would be helpful to be advised about charges more often and know when these are applied, although I accept that my interest is more geared towards the total value of my portfolio, rather than checking on the IFA charge!

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

He has set us up with the AXA Elevate account which enables us daily access to our investments, in addition we have regular contact with our Advisor on a personal basis

What could they have done better?

Not at present

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

He has good knowledge of the markets and thoroughly researches before giving advice.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Hampshire

How has Paul Clifford helped you?

We are kept informed at all times if any related issues arise regarding our investment. Regular reviews, with full and frank discussions regarding attitude to risk etc

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

I found Paul extremely tolerant of my ignorance of such matters. He explained, in great detail, His advice leaving me feeling very confidant that I could trust his advice

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is very approachable and always gives me thorough explanations to my investments.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Myself and my wife have used Paul's services for a number of years. He is extremely helpful, explains everything very clear, easy to get hold of, no matter what time the day. He gave us a nuber of alternative options and talked through the best plan for our family. Paul is very friendly and extremely good a what he does, I would recommend his services to anyone.

What could they have done better?

Can not fault the service we were provided

Review from verified client

February, 2014

Overall

Advice

Service

Value

Based in London

How has Paul Clifford helped you?

Paul was engaging and most professional and seemed to offer a down to earth well informed view on the subject matter and his level of knowledge around investments was excellent.

What could they have done better?

The advice and service received was as expected very happy with the whole process from Paul and supporting staff members

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Puts client first,listens to requirements and needs without interruption and then considers the best way forward to match the clients needs.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Surrey

How has Paul Clifford helped you?

Paul is extemely easy to talk to and was quick to understand our situation. He responds to every enquiry within 24hrs and as well as recommending a suitable and achievable mortage for our needs, he has also followed and done everything he can to support the application from start to finish with great efficiency.

What could they have done better?

Nothing

First impression from a user who is not yet a client

September, 2013

Overall

Please provide a brief comment about your experience with Paul

Great

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul found us the best solution for our house purchase. He has also given us well informed and helpful knowledge for tax planning.

Review from verified client

July, 2013

Overall

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Service

Value

Based in East Sussex

How has Paul Clifford helped you?

BEING OF AN OLDER GENERATION - PAUL UNDERSTANDS THIS AND TAKES HIS TIME TO EXPLAIN THINGS IN SIMPLE TERMS TO US. HOME VISITS ARE NO PROBLEM TO HIM.

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

In all areas Paul has helped us with he has been extremely knowledgeable and I feel confident that he is offering the best products for our needs. His customer service is excellent.

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is friendly and so helpful. He explains well. He is more like dealing with a friend than a business person. When you leave the meeting you are fully aware of everything you need to know.

What could they have done better?

I cannot think of anything that Paul could do better than he already does.

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in Kent

How has Paul Clifford helped you?

Paul is upfront and honest about the information given

What could they have done better?

So far everything is going to plan

First impression from a user who is not yet a client

July, 2013

Overall

Please provide a brief comment about your experience with Paul

Really helpful practical tips. Thx Paul

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul was very helpful and honest regarding any benefits that I will get from the pension plan I have, and any tax benefits which could be helpful to myself regarding future decisions on investments. He also stated to me any benefits I may have regarding equity release plans in the future.

What could they have done better?

As I am very new to reaching retirement age and very ignorant regarding what to do with my pot of money I felt very confident with advice given to me by Paul and feel sure he will give me very sound advice in the future. At present I do not feel Paul could give me any better service as he is giving me great service at this present time.

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

I was extremely impressed with Paul's honesty and in-depth advice considering this was a free of charge introductory meeting. I would happily recommend him based on my experience.

First impression from a user who is not yet a client

May, 2013

Overall

Please provide a brief comment about your experience with Paul

It was a short meeting so its not possible to give an acurate comment.The short time that I discussed my problem was addressed honestly and acurately.

First impression from a user who is not yet a client

May, 2013

Overall

Please provide a brief comment about your experience with Paul

Paul came around to our house and gave us a comprehensive overview of his services and listened to our financial goals. He gave us very good inital key points to think about on how to achieve these goals and I am sure we will be in contact with him on ge

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

The level of service was excellent, and time was spent searching for the most appropriate and affordable products.

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is highly professional and well informed. He is very efficient and takes all the worry out of financial planning by giving clear options to aid our decision making and then taking forward associated actions promptly, keeping us informed at all times. He is very focussed on tailoring his advice to suit us based on our aspirations for the future - he clearly does not believe in a one size fits all which is a great asset in your financial planning advisor.

What could they have done better?

Cannot actually think of anything Paul could do better!

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

We required advice on finding the best value on buying the best pension with the pot that was available.Our adviser was very thorough and talked us through the options that were available to us.Althouth the amount was small,we were not made to feel that our requirements were any less important than someone with a large amount.We were kept informed all the way through the process.If we require financial advice in the future,we wouldn't hesitate to use to use this company again.

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

I would thoroughly recommend Paul Clifford to anyone who is looking for help with investments. He is a very likeable person, who cares not only about the best options open to you, but he also cares for his clients personally. Therefore, he is just as much a friend as he is an IFA. Paul is a very thorough person in all he does, and goes out of his way to help you in whatever way he can. So if you need help in financial matters, does hesitate to contact Paul.

What could they have done better?

Sometimes there is a little difficulty in understanding what Paul is communicating to me, therefore I have to ask him to slow down to clarify, so that I fully understand. This is just as I find anything new difficult to understand first hand.

Review from verified client

April, 2013

Overall

Advice

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Value

Based in London

How has Paul Clifford helped you?

Paul offers a personalised service based on my needs and my attitude to risk, without any pressure, but with knowledge and competence which is obviously reassuring as a newcomer to investing.

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Kent

How has Paul Clifford helped you?

From the first time I met Paul I was delighted that my friend had recommended him. Although I live a fair distance away from where Paul is based, all meetings were held at my convenience, and Paul did all the travelling, which was most appreciated. His financial knowledge and expertise was totally reassuring, and I felt everything he advised was for my own benefit/affordability, and never in his own interests. Communications are always swift, frequent, and this is done until plans/finances are sorted all the way through. AND, he's a nice guy to boot!

What could they have done better?

I am totally happy with the service I receive consistantly from Paul, and have nothing to add to this section

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

He come across a very genuine person and efficient

What could they have done better?

NR

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Cambridgeshire

How has Paul Clifford helped you?

looks after my financial interests very well

Review from verified client

January, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is a very professional dedicated advisor who seems to know the market extremely well. He has a broad knowledge and is able to link together different aspects of financial planning which other advisors may not. He seems to have endless enthusiasm for the subject which is helpful as he keeps an close eye on trends and market conditions.

What could they have done better?

He can be almost too enthusiastic at times.

Review from verified client

January, 2013

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

I have always felt condfident in Paul identifying the best product for my needs. He takes into consideration all factors and talks in clear language as to what options are available so that I can make an informed decision and feel that it is the right decision for me. I have also received comments from my bank trying to sell me life assurance etc that the protection I have, which includes critical illness, is actually the best on the market and they cannot compete with that. Something which goes a long way in what can be a very confusing choice to make.

What could they have done better?

Nothing I can think of. He will make himself available to meet your needs and take the time to explain every detail.

Review from verified client

December, 2012

Overall

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Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul regularly updated us with what was happening with the mortgage. He was always happy to help and answered any questions we had quickly and effeciently.

Review from verified client

December, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul has been our adviser for just a year and the service he has given is straightforward no nonsense advice. He is very approachable and if unavailable to take a phone call we know he will reply as soon as possible. With our investments he has given us all the options and his judgement has been sound.

Review from verified client

December, 2012

Overall

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Service

Value

Based in West Sussex

How has Paul Clifford helped you?

Keeps in touch and up to date with what is happening. Always available to come and see me.

What could they have done better?

Can't think of anything he could do better. He certainly suits my needs.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in Kent

How has Paul Clifford helped you?

Professional and thorough.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

The first thing i noticed was his local knowledge and experience within the finance industry. He seemed to be able to advise and direct us towards financial institutes such as banks/building/societies,Plus solicitors. His knowledge also stretched further afield to the city. Another aspect of the service i received was constant updates from either himself or his colleague who was also super efficient, there is nothing worse than being left waiting for answers and feedback when your life savings and everything you have worked for is at stake. The situation my wife and i was in was complex financially and otherwise, Mr Clifford wasn't phased at any point and endeavoured to pull out all stops to complete his task of financing and saving the situation that could have had a very different outcome. I cannot praise his skills enough.

What could they have done better?

zero

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Ready to listen to specific problems and put forward practical solutions.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Patient .. Understood what we required. Found a solution and explained it all in detail! Several times :-)

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is very professional and approachable, very tenacious in sourcing the best financial products to suit me and is always keen to outline in detail the pros and cons of any product in a way that is easily understandable, exactly the level of service I want from a financial adviser...

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Very good advice sound knowledge a pleasure to deal with recommended

Review from verified client

November, 2012

Overall

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Value

Based in Rutland

How has Paul Clifford helped you?

very personable and likes to build a long relationship with the client. not a "hard sell person". cares about the client and their needs rather than just making a fast buck!

What could they have done better?

needs to talk slower and sometime slips into jargon which may not be readily understood.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Thorough explanation and detailed advice.

What could they have done better?

Service is satisfactory.

Review from verified client

November, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Explaining things very clearly and and giving options for the making of informed choices Offering good advice to be considered Affirmation of personal existing good investments made Communication and time is considered and generous Polite and professionally friendly

What could they have done better?

Some delays experienced in getting back information from queries followed up. Not always in the Advisor's control.

Review from verified client

November, 2012

Overall

Advice

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Value

Based in East Sussex

How has Paul Clifford helped you?

Paul set up our mortgage offer and all was ready to go with the chosen lender. He arrived on time, as arranged and announced that he had found a more appropriate lender with a better rate, had already switched the application and got it approved. This saved us an enormous amount of money and meant we didn't need to continually switch lender every few years saving our time and removing application fees. All of that was over and above our expectations and whats more he did it to make sure we got the best possible advice and deal available. I have not hesitation in recomending Paul for all of your financial needs.

Review from verified client

October, 2012

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Value

Based in East Sussex

How has Paul Clifford helped you?

i WOULD HAPPILY VOUCH FOR PAUL AND RECOMEND MY FAMILY/FRIENDS TO HIM. HE WAS UNDERSTANDING OF MY PARTICULAR NEEDS/ISSUE AND PROVIDRD THE WHAT I FELT TO BE A HELPFUL SOLUTION

Review from verified client

October, 2012

Overall

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Value

Based in Kent

How has Paul Clifford helped you?

To date, Mr Clifford has patiently and thoroughly researched the most suitable options for my modest pension funds and I feel confident that he has genuinely done his best for me. He has communicated effectively with me and I would certainly vouch for him at the moment. Only time will tell whether or not his advice was accurate. It deserves to be.

Review from verified client

October, 2012

Overall

Advice

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Value

Based in East Sussex

How has Paul Clifford helped you?

HE HAS HELPED ME TO RE DIRECT MY FINANCE ATTITUDE AND RE INVESTMENTS .HE WAS UNLIKE ANY OTHER ADVISORS TO PUSH ME TOO FAR. HE HAS ALWAYS GIVEN ME TIME TO THINK AND REFLECT ON ANY DECISIONS OR RECOMMENDATIONS. VERY POLITE FRIENDLY AND PROFESSIONAL

Review from verified client

October, 2012

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Value

Based in Cornwall

How has Paul Clifford helped you?

Top man - got me a great mortgage deal

Review from verified client

October, 2012

Overall

Advice

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Value

Based in East Sussex

How has Paul Clifford helped you?

I was extremely happy with the service I received from Paul - it is clear he is very knowledgeable and passionate about what he does. I was confident that he made informed and educated recommendations based on my individual requirements and was able to demonstrate a better return than I was previously achieving.

Review from verified client

September, 2012

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Value

Based in London

How has Paul Clifford helped you?

Paul understood my financial situation and had me fill in a questionnaire to find out my attitude to risk so he coud plan which investments would be best for me. I have not been with him long enough for him to be able to comment on the quality of the service. I needed some money out immediately & he got it for me ensuring no tax liability. He has been in touch regularly to keep me up to date on what he is doing.

Review from verified client

August, 2012

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Value

Based in East Sussex

How has Paul Clifford helped you?

we have had over the years from the late 80's onwards a variety of financial advisors for various stages of our careers as University Lecturers, mostly to do with mortgages and savings. We came to Paul clifford late on and he has been the best and most sympathetic and practical advisor from all of the four advisors we have had. He was particularly good on pensions and retirement advice

Review from verified client

August, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Paul provide a straightforward no nonesense approach to financial planning.An honest appraisal of risk versus age and all likelihoods examined in a sensible way.I like the way and can call Paul any time with a question and more formal sessions planned throughtout the coming years.Efficient and professional.

Review from verified client

August, 2012

Overall

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Value

Based in Kent

How has Paul Clifford helped you?

Very professional. Discussed situation thoroughly and found out what level of risk I was prepared to take. Explained things clearly. Always at the end of an email for help.

Review from verified client

August, 2012

Overall

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Service

Value

Based in Kent

How has Paul Clifford helped you?

Paul gave me clear, sound advice explaining complex information in a way that I could understand. After a year I have seen a return on my investments which is quite something in the current economic climate!

Review from verified client

August, 2012

Overall

Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

My wife and I found Paul Clifford to be a fund of knowledge. He helped us to secure the financial package we were seeking with the minimum of fuss. His expert advice guided us to a entirely satisfactory result. We were left with a very good impression of Paul and will definitely use his skills again in the future.

Review from verified client

August, 2012

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Advice

Service

Value

Based in East Sussex

How has Paul Clifford helped you?

Residential , buy to let and business protection

Review from verified client

August, 2012

Overall

Advice

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Value

Based in East Sussex

How has Paul Clifford helped you?

Paul provided us with a summary of our financial position in plain English and guided us through a variety of possible solutions. My partner and found Paul very easy to talk to and outlined the pros and cons of each of the options presented to us. My partner and I would certainly recommend Paul to anyone seeking advice on restructuring their finances.

Review from verified client

August, 2012

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Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is a pragmatic, advisor keen to see what is available and what he can do for his clients. As well as offering 1:1 guidance and advice, I also engaged Paul to come into the Company where I work to be on hand to offer advice to employees (of which we have over 1000). Everyone that took the opportunity to meet with Paul commented on how helpful, friendly and useful his advice was and would definately recommend him to others

Review from verified client

August, 2012

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Based in London

How has Paul Clifford helped you?

I would vouch for Paul Clifford. He fully explained to me the pros and cons of Equity Release including the checks that are in place for my protection. He was most helpful when a slight difficulty arose with my legal advisor, enabling it be sorted out quickly.

Review from verified client

August, 2012

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Value

Based in London

How has Paul Clifford helped you?

I would vouch for Paul Clifford. He explained to me clearly all that Equity Release entailed, together with the built in safeguards and checks. He was an excellent interdediary with the solicitor, following up any problems which arose.

Review from verified client

July, 2012

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Value

Based in East Sussex

How has Paul Clifford helped you?

Paul was very knowledgeable and efficient and helped us get a new mortgage very quickly. I would definitely recommend him and he is happy to travel to meet you and meet after work hours. We will be using him again.

Review from verified client

July, 2012

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Value

Based in East Sussex

How has Paul Clifford helped you?

Paul is friendly and professional. We didn't feel pressured in any way and he found us a mortgage when others had failed over many years