Reviewed for

Insurance and Protection ( 21 )

Mortgages ( 8 )

Pensions ( 229 )

Equity Release ( 12 )

Retirement income (annuities, drawdown) ( 110 )

Auto Enrolment ( 7 )

Investments and Savings ( 174 )

Pension Transfers - Non Specialist ( 63 )

Inheritance Planning ( 6 )

Long Term Care ( 7 )

Pension Transfers - Specialist ( 46 )

Financial Planning ( 63 )

Financial Mentoring ( 16 )

Financial Coaching ( 5 )

Reviewers' assets

£500k+ ( 37 )

£200k - £500k ( 80 )

£100k - £200k ( 39 )

Up to £50k ( 21 )

£50k - 100k ( 26 )

Client reviews

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

After the death of my wife, Claton gave me advice on any possible changes to my investments.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton keeps in touch via monthly’s emails, and responds quickly to any requests I require.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton keeps in touch regularly with up to date info on our finances. He sends a weekly email.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

We have gad a couple of meetings to review our financial situation to make sure it is working for us. He is always available by phone email or WhatsApp

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Stopped me panicking when stock market was turbulent

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

Clayton carries out regular reviews of my pension and savings. He is always ready to help or give advice when required.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Perthshire

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

How has Clayton Cumming helped you since your last review?

Clayton has helped me understand the options I have and advised on future planning. He has explained my investment clearly and gone through in detail how my money is invested.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Just being able to contact him with any issues.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

I know he’s always there if I need him and he’s going to make an investment for me for a monthly return

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

My withdrawals were satisfactorily managed. I successfully sought other advice for my Family on a specific matter.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton keeps me up to date with all relative matters that impact me

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Yes

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Stirlingshire

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

How has Clayton Cumming helped you since your last review?

Clayton has continued to give me sound advice whenever I have requested it

Repeat review from verified client

January, 2024

Overall

Service

Value

Advice

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

He has kept in touch if we need to speak with him he is always available

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

Always available should I need advise

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Continued advice

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Once again Clayton has been extremely helpful with his advice as responds as soon as I contact him with any issue

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has been great with me and my wife he has given us great financial advice. He is very easy to talk to and always does what he says he will do I would recommend him to anyone.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

I haven't needed much help since my last review, but he's very easy to contact if I need advice.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has kept me updated on market trends since my last review.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Easily contacted if required . Consistent in his approach. Fully aware of my situation and continues to work with me to achieve my goals.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton provided me with new projections with regards to retirement. He provided everything I needed in a timely manner and was able to assist with any questions I had on the matter.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Keeps me informed of changes/updates and is always available to speak to if required. Usually have an annual visit from Clayton.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Earlier last year we became concerned that the returns on our investments were decreasing. Clayton reassured us that this was a normal situation, and that returns would improve. His predictions have come true and we are noticing that our investments are performing well once more.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Defining clarity for myself.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has kept me informed about my portfolio but also asks if my circumstances have changed

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Always available to assist with drawdown requests and any other relevant financial assistance.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton always goes above and beyond anything that you need to ask him to do

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Updated regularly from Clayton

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Fife

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

Early Retirement

Have you seen the outcome you were hoping for?

Too Early To Say

How has Clayton Cumming helped you?

Professional Advice

What could they have done better?

All Good

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

A recommendation from a trusted friend

Have you seen the outcome you were hoping for?

Slowly but surely, still a way to go but progressing

How has Clayton Cumming helped you?

Helped bring together my various pension pots and transfer the schemes that were necessary, leaving the other investments until the appropriate time.

What could they have done better?

Nothing at this time

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

I was approaching early retirement and looking to investor information on taking my pension pot.

Have you seen the outcome you were hoping for?

The investment met my expectations

How has Clayton Cumming helped you?

Clayton is always available to discus my investments through a call or a visit

What could they have done better?

The process was explained to me at the start which was followed to the letter so I was happy with the process

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Several years ago I wanted to revisit my pensions, as circumstances had changed. I had several pensions and wanted advice as to the best way forward.

Have you seen the outcome you were hoping for?

Initially the investments performed well. Possibly not realised the full potential we hoped for over the past few years, this is no reflection on advice or investments recommended. No one could have foreseen the pandemic and various other world influences. The investments recommended by Clayton have still performed as well as most over this time. This shows the overall balance of the portfolio has been well designed.

How has Clayton Cumming helped you?

Clayton has provided ongoing advice to myself since our first meeting several years ago. He sends out regular market updates by email. Last year I opened another pension following discussions and data supplied by Clayton. My wife has also invested in a pension through Clayton. Clayton is always available to contact out with normal review dates and should he feel a meeting is required, that will be scheduled. He does perform regular reviews and meetings throughout the year to discuss your investments.

What could they have done better?

The fact I am still using Clayton for financial advice I think answers this. I am more than happy with the way Clayton conducts his business.

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Clayton

Clayton was came across as knowledgeable in his field, in no way pushy and a clear communicator

Repeat review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Fife

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

How has Clayton Cumming helped you since your last review?

Clayton has provided regular updates and market information, he is contactable and responds to any queries or questions I have, meetings are planned and arranged to suite my availability, Advice and investment has been managed very well.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Pension transfer.

How has Clayton Cumming helped you?

Guide me in investment of my pension fund.

Have you seen the outcome you were hoping for?

No, due to the world situation my growth has been slower than expected.

What could they have done better?

Nothing.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Pension advice

How has Clayton Cumming helped you?

He help d me organise my pension and was very helpful with his advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Service was excellent

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I received an inheritance when my parents died.

How has Clayton Cumming helped you?

Clayton advises and guides us through the plethora of investments out there in the market-place. He understands that we are reasonably risk-averse but advises us about the best options pertinent to our personal circumstances which ensure our future financial security, but with the caveat of a reasonable and acceptable level of risk for us. He also assisted my husband and I regarding what we could do with our lump sums on retirement.

Have you seen the outcome you were hoping for?

Prior to the pandemic, our investments had been doing well. Obviously, recent years for the market have been difficult, and our projected returns have been hit by that, but we are holding firm, realising that it is the trend in the long run which matters.

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

He sends regular updates on the financial markets keeping me up to date on this.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to invest a money lump sum l received on retirement. I initially had dealings with Clayton when he was employed by R.B.O.S. l was impressed with his advice and professionalism and decided to contact him after he had left that employment and invest my money with him instead of the aforementioned bank. That was in 2012. I have been with him every year since then.

How has Clayton Cumming helped you?

He has provided me with sound financial advice and guidance and keeps me up to date with all the current situation regarding my investment's. Including an annual personal meeting to further explain same and discuss further options.

Have you seen the outcome you were hoping for?

I am more than satisfied with the way Clayton has handled my investments.

What could they have done better?

In my opinion Clayton is always looking for ways to improve your investments and l have no complaints whatsoever.

Clayton's reply

Hi Edward, Thanks for your kind review. Very much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I wanted advice on how to invest some money

How has Clayton Cumming helped you?

He help me with investing money also with my pension

Have you seen the outcome you were hoping for?

Yes I have extremely happy

What could they have done better?

Nothing

Clayton's reply

Thanks, Robert. Your review is very much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Getting near retirement

How has Clayton Cumming helped you?

With planning and setting up my pension portfolio

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Clayton has been very helpful very easy to contact for any questions

Clayton's reply

Many thanks, Joe. Your review is very much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Retired from NHS with lump sum.

How has Clayton Cumming helped you?

Advised best options for investment in a clear manner.

Have you seen the outcome you were hoping for?

As expected with impact of covid and global inflation

What could they have done better?

Don’t think there is anything.

Clayton's reply

Thanks for leaving me a review, Elizabeth. It is very much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

To sort out my pensions

How has Clayton Cumming helped you?

By sorting out my pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Happy with everything so far

Clayton's reply

Many thanks for leaving me a review, Robert. It is very much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

I retired and needed help with my pension

How has Clayton Cumming helped you?

He done all the transfer business

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I know

Clayton's reply

Hi Brian, Thanks for your kind review. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in West Lothian

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

I wanted to transfer my pension away from my company pension to a private pension

How has Clayton Cumming helped you?

He has helped by listening to my requirements and advising me on how to achieve those.

Have you seen the outcome you were hoping for?

Yes, I have been able to maximise th euse of my tax free allowance from my pension, which was one of my main requirements.

What could they have done better?

I don't belive so.

Clayton's reply

Hi Alex, Thanks for your kind review. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Stirlingshire

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

How has Clayton Cumming helped you since your last review?

Clayton helped me set up my long-term pension draw-down plan

Clayton's reply

Thanks for your kind review, Douglas. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Having savings and looking for advice on what to do with them.

How has Clayton Cumming helped you?

From his financial knowledge and experience.

Have you seen the outcome you were hoping for?

Not really, but nothing to do with Clayton caused by outside circumstances EG covid.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Had money to invest

How has Clayton Cumming helped you?

Help with investment and gave good advise

Have you seen the outcome you were hoping for?

Yes though current market has dampend returns

What could they have done better?

Nothing as quite happy with service

Clayton's reply

Hi Christine, Thanks for your kind review. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

To invest cash built up

How has Clayton Cumming helped you?

Offered advice on best finacial options for our funds

Have you seen the outcome you were hoping for?

Yes but the current market is below expections on our returns

What could they have done better?

None that I can think of

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to understand the best options for my pension due to my personal circumstances. I had several pensions but was unsure what to do.

How has Clayton Cumming helped you?

Clayton listened to what I wanted and gave me several options . With his advice I chose the best option for me

Have you seen the outcome you were hoping for?

Absolutely. Now retired and enjoying life

What could they have done better?

I’m not sure if my advice could have been better.

Clayton's reply

Thanks Carol. Your review is very much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had funds that I wanted to work for me.

How has Clayton Cumming helped you?

He asked the level of risk I was prepared to accept and suggested Allan that would satisfy my request Yes.

Have you seen the outcome you were hoping for?

Yes.i am quite satisfied with my investments

What could they have done better?

I am satisfied with the results obtained.

Clayton's reply

Thanks, Gavin. Your review is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

We have had a chat about my current and future financial requirements with regard to me nearing retirement

Clayton's reply

Thanks Janis. Much appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Clayton was recommended

How has Clayton Cumming helped you?

He has answered any questions we have

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Clayton's reply

Thanks, John. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Clayton continues to review progress and portfolio performance on a regular basis and we are now beginning to plan for a time when I will retire from full time working and how best to provision for this.

Clayton's reply

Thanks for leaving me a review, Robert. Much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Provided answers to questions that helped me make decisions.

Clayton's reply

Hi Marjorie, Thanks for the kind review. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Pension and insurance advice

How has Clayton Cumming helped you?

Knowledge of market and maintaining regular contact

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Clayton's reply

Thanks, John. It is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton continues to keep me updated on a regular basis.

Clayton's reply

Thanks for the kind review, Karen. It is much appreciated. I will be in touch soon. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Argyll

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

Transfer of pension fund

How has Clayton Cumming helped you?

He explained the risks and processes to allow me to make informed decisions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure there is anything

Clayton's reply

Thanks for your review, Colin. It is really appreciated. Clayton

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Transfer pension

How has Clayton Cumming helped you?

Excellent advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Clayton's reply

Thanks for your kind review, Elizabeth. Much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Help me draw money from my pension and get the excess tax I paid back

Clayton's reply

Thanks for the great review, Brian. It is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

I have had an annual review with Clayton and reassessed my Pension and made some withdrawals and discussed through the options and implications. It proved helpful.

Clayton's reply

Thanks for the kind review, Alan. Much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Kept me updated and given advice.

Clayton's reply

Thanks for your kind review, Julie. It is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

We meet with Clayton on an annual (sooner if needed) basis. He continues to monitor our financial needs and suggests changes as appropriate. Although the past couple of years have been difficult for us all, Clayton keeps us informed of market activity and we are confident we are receiving good advice and the best returns possible.

Clayton's reply

Thanks for the great review, Stephen. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Keeping me well informed In how my investments are Performing and what is happening with them

Clayton's reply

Many thanks for your kind review, Alexander. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

He has been extremely helpful, taking me through all the steps required during the process. Advised me of both the pros and cons of each decision I made

Clayton's reply

John, many thanks for taking the time to leave me your kind review. Much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

The markets are very turbulent at the moment. Clayton always makes himself available to provide advice. We’ve had many discussions regarding strategies and products.

Clayton's reply

Many thanks, Paul, for the kind review. It really is appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton offered first-class advice on whether to retain my current investment structure or whether it would be advisable to to change it.

Clayton's reply

Thanks for the great review, John. It is really appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton is very approachable and the advise given is put in a way that those with no financial history understand well

Clayton's reply

Thanks for the kind review, Paul. Really is appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has given me a lot of advice on how to manage my money and my pensions.

Clayton's reply

Thanks for the kind review, James. Much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton provides unbiased advice based on an individual circumstances at the time. If circumstances change Clayton reassess advice and updates as necessary. He replies in a prompt and professional manner.

Clayton's reply

Thanks for the great review, Robert. Really is appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Managing my pension fund

Clayton's reply

Many thanks, Gordon. It is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has kept me updated on a weekly basis of the market trends and carried out my yearly review in July of this year.

Clayton's reply

Thanks, Hugh. It is really appreciated. Please let me know if I can help with anything. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

I haven't a clue when it comes to this stuff but right from start to now, must be at 7 years Clayton has been there for me keeping me right

Clayton's reply

Thanks for the great review, Thomas. Always here to help. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Answered questions timely

Clayton's reply

Thanks for the review, Elizabeth. It is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Yes

Clayton's reply

Thanks for your kind review, Teresa. It is very much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

I decided to retire last year due to family circumstances. I was unsure of how my pension and investments.Clayton listened to what I wanted and acted upon it. I feel he has my interests at heart

Clayton's reply

Thanks for the 5 star review, Carol. It is really appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Keeps me updated by email and is always available to speak to when needed.

Clayton's reply

Many thanks, Anne, for the great review. Really helpful and appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

As always Clayton deals with everything for us and explains it all in language that we understand.

Clayton's reply

Hi Sheena, Many thanks for your kind review. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

He has kept me informed about the state of my pension portfolio

Clayton's reply

Many thanks, Andrew. Much appreciated. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Argyll

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

How has Clayton Cumming helped you since your last review?

Yes

Clayton's reply

Many thanks, Duncan. Clayton

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton has really been on the job when I’ve needed to ask him for help and information, I couldn’t have asked for a better service

Clayton's reply

Thanks, John. Much appreciated. Clayton

Repeat review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton helped my combine my money to purchase my new house.

Repeat review from verified client

May, 2023

Overall

Service

Value

Advice

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton advised which accounts I could use to purchase my new house, However as my old house and some savings were in a family protection plan it cost me quite a bit to get it checked as the previous lawyer no longer existed. I had to pay for them to check everything out before I could sell my old house. I am still trying to dissolve the plan which is costing even more. Clayton had advised this would be a good thing for me at the time but things went very wrong with it.

Repeat review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Email saying that my share certificates are being reviewed and will be in touch after Easter break

Repeat review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Never fails to provide excellent service. As said before he understands my needs and always strives to put me in best financial place.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement

How has Clayton Cumming helped you?

Gave me good advice Then set up pension transfer, drawdown etc for me

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has provided excellent advice and guidance during the past year which has seen some incredible challenges within both the uk and wider world. He has been a calming influence during these turbulent times providing valuable information when needed.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Clayton

Friendly, personable, prompt with responding to emails, clear advice and no pressure applied to proceed. Listened to needs and balanced the level of advice to the level of knowledge of who he is speaking to.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Perthshire

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

I had three pensions with different providers and was looking for advice as to whether to combine them or leave separately as I was coming up to the age where I could access them. I had done nothing with my pensions and wanted to understand my options.

How has Clayton Cumming helped you?

Clayton gave me clear, defined advice in layman’s terms. I am not financially savvy and find anything to do with money a little overwhelming and confusing. Clayton was extremely patient and explained things to me in a way I could understand, sometimes having to repeat himself ! He also talked me step by step, through the process and the True Potential app which is incredibly easy to use.

Have you seen the outcome you were hoping for?

Absolutely ! The process was incredibly easy, Clayton was always available for advice and ongoing questions and my pot of money, although small, has already increased.

What could they have done better?

Nothing - I’m very happy with the service provided by Clayton

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

We are both retired now and we have no worries because Clayton dealt with everything and explained in simple terms. We can relax knowing we are secure for the future. If we have any questions we can text or email Clayton and he responds almost immediately

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Due to the stock market changes I was getting very nervous regards my investments. Clayton arranged a meeting promptly and went through the current situation. His approach calmed my nerves and I felt much better,

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

yes, had occasion to contact Clayton regarding contact from another company re pension search, Clayton responded in a timely manner,trusted his advice. also have conducted review with Clayton. First class service and advice.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Stirlingshire

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

How has Clayton Cumming helped you since your last review?

Clayton and I have continued regular contact since the last review. Clayton has continued to provide good and timely advice whenever I have needed it.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Argyll

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

I was dissatisfied with previous advisor and have found Clayton very good.

How has Clayton Cumming helped you?

He has provided good advice on my pension and ISAs.

Have you seen the outcome you were hoping for?

Basically yes, but things have gone down a bit recently.

What could they have done better?

Nothing

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Again Clayton is always available for any questions I have and has such a wide area of knowledge on these subjects which benefits me with any advice he provides.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

By offering the same level of professional advice on our finances

Clayton's reply

Thanks for the kind review, Alan. Very much appreciated. Clayton

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Kept me up to date with what's happening with my pension fund

Clayton's reply

Thanks for taking the time to leave me a kind review, Gordon. Very much appreciated. Clayton

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I needed advice regarding Pension Freedoms

How has Clayton Cumming helped you?

He gave me advice regarding Pension Freedoms that clarified some important aspects that. I hadn’t considered.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure

Clayton's reply

Thanks for your kind review, Norman. Much appreciated. Clayton

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Great at explaining every to me .

Clayton's reply

Thanks for the five star review, Lesley. Very much appreciated. Clayton

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Coming up to retirement and wanting to maximise our finances

How has Clayton Cumming helped you?

He has been on hand when we needed any extra advice. He keeps regular contact and makes us feel looked after.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think under the diffucult situations over the last few years I do not thinbk there is anything else that could have been done.

Clayton's reply

Hi Fiona Thanks for the kind review. It is much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

I am at a stage where I was uncertain how to progress my retirement income and not sure whether to collect my pension now

How has Clayton Cumming helped you?

Clayton put all my fears to rest and confirmed that I should stay in my Company pension until I actually retire.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing- I got the desired peace of mind.

Clayton's reply

Thank you for your kind review, Morag. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

I claimed my work private pension under transfer drawdown.

How has Clayton Cumming helped you?

The first meeting I had with Clayton came to my house. He explained, in detail, what my options were, what the risks were, and what the charges for his services were. He then gave me a few weeks to think things thro. at no time was I put under any pressure to sign any documents. Any time I have sought advice, he is always at the end of the phone and is very helpful.

Have you seen the outcome you were hoping for?

in general, yes

Clayton's reply

Hi Colin. Many thanks for your kind review. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was left an inheritance following the death of my mother.

How has Clayton Cumming helped you?

Clayton advised about the different levels of risk, and questioned me rigorously on the level of risk I was comfortable with. He is very patient and clearly answers any questions I have (which, often, are many). At the heart of his consultations, is his passion to fulfil the needs of his client and to ensure they are comfortable with the proposed portfolio. He explains all the options in great detail and is never, never pushy. I recently retired and Clayton gave me advice regarding how much of my lump sum to commute.

Have you seen the outcome you were hoping for?

On the whole - yes. Obviously, times are difficult just now, and Clayton has advised me to hold fast and ride out the storm. Anyway, I am not a high risk taker.

Clayton's reply

Thanks for the kind review, Aileen. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

how to invest money received when mother died.

How has Clayton Cumming helped you?

advised on where best to invest this money

Have you seen the outcome you were hoping for?

yes

Clayton's reply

Thanks for the review, Hilda. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

We needed some advise on what to do with our savings and were wary of losing capital.

How has Clayton Cumming helped you?

Explained everything in layman's terms.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Everything has been done to our satisfaction.

Clayton's reply

Thanks for the kind review, Elizabeth. It is much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Improv my income/savings

How has Clayton Cumming helped you?

He has shown me what is available in accordance to my requirements

Have you seen the outcome you were hoping for?

Met the targets discussed

What could they have done better?

as with any investments, the returns could bebe better

Clayton's reply

Thank you for the kind review, David. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How and where to invest savings

How has Clayton Cumming helped you?

He is always available to help and explain if I need advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Clayton's reply

Many thanks, Debra, for the kind review. It is really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to increase my pension contribution and make sure I was on the best scheme for me.

How has Clayton Cumming helped you?

Clayton provided me with great advice and I now have a better understanding of how my pension will work for me.

Have you seen the outcome you were hoping for?

I'm a long way off retirement yet, so time will tell, but I'm confident in my decision from the advice given.

What could they have done better?

Nothing

Clayton's reply

Delighted to help, Colin and many thanks for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking to simplify my finances and ensure that I was set up for retirement.

How has Clayton Cumming helped you?

Made suggestions to consolidate my finances and explained my choices for retirement. Over time Clayton has helped me understand my investments better and made suggestions in line with my comfort levels.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Occasionally, there has been a small delay with the implementation of a change which has always been communicated well.

Clayton's reply

Thanks for taking the time to leave me a review, Carol. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Reasses pensions in place and consolidate multiple pensions

How has Clayton Cumming helped you?

Clayton looked at pensions in place, my goals for retirement and discussed best options to achieve this.

Have you seen the outcome you were hoping for?

Pensions performed as expected.

What could they have done better?

Nothing

Clayton's reply

Thank you for leaving me a review, John. It is really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Reaching retirement

How has Clayton Cumming helped you?

Helped understand my options and guided me on how to take them forward.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I can think of .

Clayton's reply

Thanks for the review, Jo. Very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement

How has Clayton Cumming helped you?

Advice on investing pension and savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Clayton's reply

Thanks for the review, Colin. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Nearing retirement

How has Clayton Cumming helped you?

Consolidated pension funds and given me good long term advice

Have you seen the outcome you were hoping for?

Yes I have been very pleased with all his recommendations

What could they have done better?

Not sure he could have done better given the very challenging economic environment in recent years

Clayton's reply

Good morning, Janis. Many thanks for taking the time to leave me a review. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I had a very poor experience of previous professional week known firm when challenging rising fees and was accidentally copied in an email from their MD along the lines of "Just go nail him we are worth every penny of advice ..." That certainly wasn't the experience.

How has Clayton Cumming helped you?

Clayton takes time to work with you and challenge in a positive way what you are seeking going forward across different aspects of your life. He explains risks in easy to understand terms and helps orient you to a plan that matches your lifestyle with longevity in mind as part of that portfolio.

Have you seen the outcome you were hoping for?

Yes we have benefitted from Clayton's advice and it is great that he meets us regularly and is always available to speak should we need to call or get intermitted advice.

What could they have done better?

Nothing so far but probably getting to a place where I need just a little more frequent planned meetings

Clayton's reply

Hi Robert Thanks for the great review and it has been a pleasure to help you with your planning. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

In 2011 l retired from Strathclyde Police. Clayton was working with The Royal Bank of Scotland as a financial advisor. He provided me with sound reasonable advice on how to invest monies l accrued as part of pension. I valued the advice provided. He was honest and professional in his approach. When he subsequently started his new employ l decided to retain him as my financial advisor.

How has Clayton Cumming helped you?

He has always kept me up to date with how my investments are progressing.

Have you seen the outcome you were hoping for?

Yes l have. I'm extremely happy with his professionalism and approach.

What could they have done better?

I don't think anything could be done at the moment.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Perthshire

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

Concern that existing pension investments recommended by previous independent financial advisor were not performing particularly well.

How has Clayton Cumming helped you?

Clayton introduced me first to the Standard Life portfolio and more recently the True Potential managed funds.

Have you seen the outcome you were hoping for?

Yes, the pension investment changes recommended by Clayton have shown improved performance compared to the previous funds.

What could they have done better?

I am completely satisfied with the service I receive from Clayton Cumming.

Clayton's reply

Thanks for the review, John. It really helps and is much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Had some money from pensions didn’t know what to do with it.

How has Clayton Cumming helped you?

Clayton came to my house,but me at ease from the start,explained what he would like to do for me he left me to think about it which I did and then took his advice.

Have you seen the outcome you were hoping for?

Yes I now have bought a house in Spain and the family are enjoying it very much

What could they have done better?

Nothing

Clayton's reply

Delighted to help, Robert and thank you so much for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking for a better return on savings and also transferring my pension

How has Clayton Cumming helped you?

Everything was done to my satisfaction. Great service.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. All questions answered. Informative.

Clayton's reply

Good morning, Janice Many thanks for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

To seccure my inheritance. From my late parents . Also savings

How has Clayton Cumming helped you?

He has given me great advice and guidence on how to secure mine and my families future.

Have you seen the outcome you were hoping for?

Yes i have at different times. Some years ago not so good.

What could they have done better?

Nothing at the time , it was a global financial matter .

Clayton's reply

Thanks for the kind review. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Preparation and planning retirement

How has Clayton Cumming helped you?

We were looking for advice on the various small pots of money we had been saving for retirement, Clayton was very helpful amalgamating these and also the various small pensions my husband had, something we couldn’t have done ourselves

Have you seen the outcome you were hoping for?

More or less, as always, savings can go down as well as up, again Clayton explained this and the various risk factors

What could they have done better?

Happy with the service

Clayton's reply

Many thanks for taking the time to leave me a kind review, Doreen. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I needed advice on retirement planning.

How has Clayton Cumming helped you?

Clayton helped me with planning my retirement income options.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Clayton is very helpful and answered all my questions with sound, professional advice. I am very happy with the service Clayton provided and feel there is nothing more to add.

Clayton's reply

Many thanks, Sheila. Your kind review is really helpful and appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Approaching retirement and I was unsure what my financial position would be as I had changed job and pension providers.

How has Clayton Cumming helped you?

Clayton helped me by obtaining current values for my pensions and advised on options available to me, as a result I rolled all my pensions into one, and could afford to release some tax free funds to purchase a motorhome.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing. Clayton kept me updated every step of the way I hzd no worries or concerns

Clayton's reply

Thanks for the great review, Robert. Very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Fresh look at finances

How has Clayton Cumming helped you?

Calm and measured approach looking at all aspects of investments and pensions

Have you seen the outcome you were hoping for?

Market has. It been great however this is a long term investment

What could they have done better?

N/A

Clayton's reply

Hi Harmeet Many thanks for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I needed advice about retirement planning.

How has Clayton Cumming helped you?

Clayton has provided good advice and help with planning my retirement.

Have you seen the outcome you were hoping for?

Yes with Claytons help and advice I have found the solution \i was looking for.

What could they have done better?

nothing, Clayton is very helpful and very easy to deal with.

Clayton's reply

Many thanks, Joe, for the kind review. Really helpful and appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

When I retired Clayton help me to transfer my pension,

How has Clayton Cumming helped you?

Advised me what to do with my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don’t know I don’t really understand how pension works but he helped me

Clayton's reply

Thanks for the kind review, Brian. If you have any questions, please do get in touch. Clayton

Review from verified client

July, 2022

Overall

Value

Service

Advice

Based in Ayrshire

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

Redundancy

How has Clayton Cumming helped you?

Clayton was very helpful with my pension.He explained what my choices and options were easily and clearly.

Have you seen the outcome you were hoping for?

At this present time yes

Clayton's reply

Thanks for the kind review, John. Really helpful. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I'm a freelancer which means my pension is basically nothing and I was looking for someone to help set up a pension for me and manage it. It's early days but Clayton has been a big help organising this and has been really patient with me as I work around several high-demand jobs.

How has Clayton Cumming helped you?

Clayton set me up on his portal and helped with the transfer of the pensions I already had. I had to bring forward the accounts and whatnot but we put them together in about an hour and had the transfer of the payment. He ran me through the portal which gives me the power to put payments in when I please or set up direct debts.

Have you seen the outcome you were hoping for?

It's early days, I've not worked with a broker like this before myself but Clayton was recommended to me by my mortgage advisor as the one he uses and so far Clayton has provided all the info I need, explained it well, and made the process painless.

What could they have done better?

Again, early days we did have a bit of an issue getting hold of one another but that was also my fault. I think I did try to look Clayton up online prior and the website for the business wasn't up which gave me a worry so it might be an idea to update that.

Clayton's reply

Thanks for the kind review, Danny. Pleasure to help. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Fife

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

My original company pension(Company Closed down)was going too be placed into a scheme that was not competative I also had anothe pension source, I spent time reviewing Financial Advisors any found Clayton who appeared to tick all the boxes, transfer was easy and have received good advice and regular updates.

How has Clayton Cumming helped you?

Clayton did a full review of my circumstances and what my options would be along with plans and my expectations. There are regular updates and reviews carried out to suite my time schedule and he is just a call away. There is the availability of being able to review the plan on line and see how things are performing.

Have you seen the outcome you were hoping for?

I have not been dissapointed despite the market fluctuations the performance has been better that expected.

What could they have done better?

Nothing all my expectations have been met and my plan is performing well.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Clayton was always on hand for any questions or queries we had in between annual reviews and visits. Never at anytime were we forced or pressured into making decisions relating to out investments.

How has Clayton Cumming helped you?

He had guided us in the direction which best suits our future financial requirements on retirement.

Have you seen the outcome you were hoping for?

Not yet, but understanding the current financial struggles that we are currently going through, we are confident that in time things will pick up and show favour in our direction.

What could they have done better?

Not being too much involved in this field we have the confidence that True Potential will have directed our investment in the best appropriate areas for our requirements.

Clayton's reply

Hi Gilbert, Many thanks for the great review. It is really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Aberdeenshire

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

Required independent professional advice regarding lump sum investment.

How has Clayton Cumming helped you?

Discussed my investment options and provided portfolio recommendations.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing springs to mind. Perfectly happy with the service provided.

Clayton's reply

Thanks, Paul. Your review is really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Pension transfer and investment advice.

How has Clayton Cumming helped you?

Clayton helped me to transfer my pension initially but has since provided me with general investment guidance. His advice is very professional but delivered in a friendly and understandable way.

Have you seen the outcome you were hoping for?

Yes, my investments have performed well. Advice was given during the pandemic which was proven to be the correct advice.

What could they have done better?

Nothing. Very personal service which I would recommend highly.

Clayton's reply

Thanks Paul. Your kind review is really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Wanted a trustworthy person to guide us as regards independent advice on savings and investments

How has Clayton Cumming helped you?

He has advised us and guided us as regards savings in our retirement.

Have you seen the outcome you were hoping for?

The outcome has resulted good considering all the ups and downs in the financial sector at present.

What could they have done better?

Not sure

Clayton's reply

Many thanks, Ruth. Your kind review is very helpful and much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Moving my frozen pensions

How has Clayton Cumming helped you?

With all aspects of the moving and Investment of my pension plan

Have you seen the outcome you were hoping for?

Yes very happy with the service

What could they have done better?

Time will tell

Clayton's reply

Thanks for taking the time to leave me a review, Alexander. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Looking for advice on my pension

How has Clayton Cumming helped you?

Clayton took me through all the options that were available to me, carefully explaining each one giving both the negative and positives of each option Making it easy for me to make my decision

Have you seen the outcome you were hoping for?

Yes everything has worked out exactly as Clayton explained.

What could they have done better?

Not sure anything could have been done any better, as Clayton had explained all options leaving me to make correct decision in my circumstances

Clayton's reply

Hi John, Thanks for the kind review. Really does help and very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Having been left a sum of money by my father, I was looking for help on how to invest it and as my late father had already dealt with Clayton for many years I knew he was knowledgeable in this field.

How has Clayton Cumming helped you?

He has advised me on the best way to invest my cash.

Have you seen the outcome you were hoping for?

Not at the moment.

Clayton's reply

Hi Karen, Thanks for the kind review. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in West Lothian

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

I was transferring my pension form an occupational pension into a private pension fund and wanted to maximise my income whilst reducing my income tax liability.

How has Clayton Cumming helped you?

Clayton discussed my financial pension plan requirements, prepared a plan to help meet those requirements and has activiely monitored and amended the plan to minimise the impact from the prevailing from the turmoil within th emarkets as far as practicable.

Have you seen the outcome you were hoping for?

My pension plan has not seen the same level of downturn that some of my other investestment have suffered, I therefore think my plan has done reasonably well given th ecircumstances over the last few years.

What could they have done better?

That's a very difficult question to answer, suffice it to say that my fund has far outweighed the charges levied upon it year on year and has always genereated a surplus, which given the circumstance of the last few years is a very good barometer as to how it's performing. Suffice to say that I'm happy with the performance from the fund.

Clayton's reply

Thanks for taking the time to leave me a review, Alex. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Planning for retirement

How has Clayton Cumming helped you?

Moving of pension plans and investment advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing everything was fine

Clayton's reply

Hi Neil, Thanks for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed advice on a savings and pensions strategy

How has Clayton Cumming helped you?

He’s helped me consolidate my pensions and invest my savings.

Have you seen the outcome you were hoping for?

Yes

Clayton's reply

Thanks for the review, Anna. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had a large sum of money to invest and required expert advice.

How has Clayton Cumming helped you?

Clayton thoroughly assessed what I wanted from my investment and, based on detailed discussions with me, advised on the most suitable options.

Have you seen the outcome you were hoping for?

Yes. The outcome has been completely satisfactory, particularly given the volatility of the markets over the last few years due to the Covid pandemic and other global economic factors.

What could they have done better?

In my view, Clayton has done everything to the highest standard.

Clayton's reply

Thanks for the great review, Brian. Pleasure to help. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I retired in March 2020 and needed some sound advice with regard to managing my pension fund both in the immediate and longer term.

How has Clayton Cumming helped you?

Clayton clearly advised on the options I had and didn't pressurise my thinking. He was able to answer and explain in simple terms the options, consequences, benefits and pitfalls I had in managing my pension.

Have you seen the outcome you were hoping for?

Yes, my pension is steadily growing and relatively stable in the current financial climate. I have also met with Clayton face to face for a general review of my pension progress and my circumstances which was very helpful in getting immediate answers to my questions.

What could they have done better?

I'm not aware of any issues that could have been done better. The COVID pandemic time restricted any possibility for my face to face meetings but matters were easily dealt with by phone during that time.

Clayton's reply

Hi Alan Thanks for taking the time to leave me such a great review. It really is helpful and much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension drawdown and Pension Advice

How has Clayton Cumming helped you?

Clayton has looked at our overall Pension Pots and steered us in the right direction.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything Clayton has done for us has gone smoothly and well. We are very happy to have Clayton as our Financial Advisor and we are glad we found him.

Clayton's reply

Thanks for such a kind review, Carol. Happy to help. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I was looking to invest money from a second home sale and a friend recommended Clayton

How has Clayton Cumming helped you?

Clayton visited my home where we went through the various options for investing my funds

Have you seen the outcome you were hoping for?

Initially yes but due to Covid all investments have had a detrimental effect on the savings profits but hopefully they will pick up in the near future

What could they have done better?

Nothing comes to mind

Clayton's reply

Thanks for leaving me a kind review, Christine. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Shetland

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

I was looking to set up a drawdown pension following retirement.

How has Clayton Cumming helped you?

After a couple of detailed consultations where I explained what I was looking to achieve in retirement Clayton advised on how best to proceed. Communication at all times was excellent and emails were replied to very quickly.

Have you seen the outcome you were hoping for?

Mainly good, however various circumstances through 2022 haven’t helped - hopefully things will improve.

What could they have done better?

Nothing, I was more than happy with the advice I received from Clayton and would have no hesitation in recommending his services.

Clayton's reply

Many thanks, David. Your kind review is really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Retirement advice on our investments and savings.

How has Clayton Cumming helped you?

By setting up and explaining how the draw down process works, we initially tried 2 withdrawals per year but have now resorted to a monthly draw down which suits our situation.

Have you seen the outcome you were hoping for?

Not financially but I understand how all the markets have been decimated due to Brexit, Covid, Boris etc.

What could they have done better?

Not much in my opinion.

Clayton's reply

Thanks for taking the time to leave me a review, Francis. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Clayton came recommended from a freind

How has Clayton Cumming helped you?

Clayton has enabled us invest savings to gain best returns & advised us on tax requirements

Have you seen the outcome you were hoping for?

Yes we are in touch with Clayton & have regular updates from him & the online portal

What could they have done better?

None that I can think of if we require any assistance or have ant questions Clayton is just a phone call away

Clayton's reply

Pleasure to help Ken, and thanks for leaving me your kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Early retirement

How has Clayton Cumming helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

Clayton's reply

Thanks for taking the time to leave me a review, Jim. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Setting up a plan for retirement

How has Clayton Cumming helped you?

A clear plan was set in place

Have you seen the outcome you were hoping for?

Not yet due to the stock market going through troubled times

Clayton's reply

Thanks for taking the time to leave me a review, Peter. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

To combine various pensions in to one place

How has Clayton Cumming helped you?

Very professional advice and excellent service

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am very happy with the advice and service received

Clayton's reply

Many thanks, Daniel, for the great review. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Voluntary Redundancy.

How has Clayton Cumming helped you?

Clayton was recommended to me and has given me guidance, support and advice in an area I was very unfamiliar with.

Have you seen the outcome you were hoping for?

Still in the very early stages of retirement.

What could they have done better?

I feel Clayton has been a great asset in the short space of time that I have required his financial guidance, so to date I can’t think of anything that he could have done better.

Clayton's reply

Hi Fiona, Many thanks for the great review. Very helpful and appreciated. Clayton

Review from verified client

July, 2022

Overall

Service

Advice

Value

Based in Ayrshire

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

Retirement from NHS

How has Clayton Cumming helped you?

Investment of lump sum

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don't think there is anything

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Stirlingshire

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

I was thinking ahead to retirement and thought I should consult a financial adviser to see how to best invest for retirement funds

How has Clayton Cumming helped you?

I gave Clayton the information he needed to assess the best way forward for me, and he then reported back to me. Amongst other things he advised to consolidate a number of different work-place I had gathered over the years of working - this is a task I would not have wanted to undertake myself. Clayton gave advice on the best companies to use for consolidating the pensions and also the best platforms for other investments, such as stocks and share ISAs.

Have you seen the outcome you were hoping for?

Yes I have. I am able to see what the current position of my retirement funds is by logging in to one platform, so it is easy to see how the funds are doing.

What could they have done better?

Nothing reall

Clayton's reply

Many thanks for the kind review, Douglas. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Investing and amalgamating pensions.

How has Clayton Cumming helped you?

Sound, honest advice whenever I require it.

Have you seen the outcome you were hoping for?

Market is so unpredictable, we are satisfied with Clayton's efforts.

What could they have done better?

Nothing. The Markets will stabilize over time.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement from NHS.

How has Clayton Cumming helped you?

Secure lump sum in investment

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don't think there is anything.

Clayton's reply

Many thanks for taking the time to leave me a review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

I was looking to retire early .

How has Clayton Cumming helped you?

Regular updates and face to face meetings

Have you seen the outcome you were hoping for?

Mainly good but war in Ukraine is affecting everyone .

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Had built up savings and wanted to get the best advise on my investments.

How has Clayton Cumming helped you?

He has advised me on what to do with my savings and pensions.

Have you seen the outcome you were hoping for?

I am satified with the outcome considering how the world has been affected in thd lasy few years

Clayton's reply

Thanks for the kind review, George. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Argyll

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

My previous FA was unable to act for me at a given point in time and Clayton Cumming stepped forward to assist and become my new financial adviser

How has Clayton Cumming helped you?

Clayton Cumming has helped by advising on how best to proceed on an annual basis and also at critical moments like the start of the Covid pandemic.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Unable to list anything of note.

Clayton's reply

Hi Colin, Many thanks for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

As I approached retirement (it was 6 years away)I wanted advise to ensure my wife and myself were doing the right thing with or pensions and investments

How has Clayton Cumming helped you?

He has helped by consolidating various pensions and Isa's in one complete encompassing plan

Have you seen the outcome you were hoping for?

Yes overall, we are happy with the outcome

Clayton's reply

Thanks for taking the time to leave me a review, Paul. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

I took redundancy payment and decided to retire early at the same time and therefore required Financial Advisor advice.

How has Clayton Cumming helped you?

Clayton arranged for transfer of two of my pensions with one of them being a drawdown type pension and the other invested. I also had another pension that after advice from Clayton and another Financial Advisor I decided to take as a standard pension and did not transfer. Clayton kept me informed during the whole process and has continued with advice over the last 2 years.

Have you seen the outcome you were hoping for?

Yes, I have a good monthly income from my drawdown pension which is invested with a reputable pension provider.

What could they have done better?

I do not believe that Clayton could have advised any better. During the last 6 months the market has fallen where Clayton has kept me informed as well as at the outset he advised of the risk factors that could occur.

Clayton's reply

Thanks for the great review, Hugh. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

The realisation that we did not have sufficient knowledge to invest our savings and, also looking ahead to retirement.

How has Clayton Cumming helped you?

Clayton took the time to understand our situation and knowledge of investment. The questions he asked provided a clear picture of how we saw risk in relation to our finances and best approach going forward. Clayton was successful in searching for previous pension monies that we thought were lost. My husband passed away suddenly and Clayton dealt very professionally with the financial side of things also, providing support and guidance when required.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No, went over and above to provide an excellent service.

Clayton's reply

Thank you so much, Marjorie, for the lovely review. A pleasure to help you. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Aberdeenshire

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

My husband and I had become less comfortable with our previous investment house and decided to get independent advice.

How has Clayton Cumming helped you?

We are in our fifties and early retired - we wanted to invest for retirement and balance our different attitudes to risk appropriately. Clayton has worked with us to achieve this.

Have you seen the outcome you were hoping for?

Clearly 2022 has been incredibly challenging for everyone who invests - putting this aside we have seen consistent growth in our portfolios.

What could they have done better?

Nothing.

Clayton's reply

Thank you for the great review, Shona. Very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

To transfer a pension.

How has Clayton Cumming helped you?

Friendly. Fast and efficient service.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

Clayton's reply

Thanks John. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed advice on where to place my money rather than in the bank as interest rates are low. Clayton can advise how to invest lump sum on long term investment.

How has Clayton Cumming helped you?

Clayton has helped me combine policies together, making things much simpler and easy to manage. Clayton is very good at providing annual updates .

Have you seen the outcome you were hoping for?

Quite confident that I will - investments are best for long term - not quite there yet.

What could they have done better?

Nothing

Clayton's reply

Thanks Teresa. Any concerns, please do get in touch. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Moving pension fund

How has Clayton Cumming helped you?

Pension moving and financial advice for my future retirement.

Have you seen the outcome you were hoping for?

Yes, happy so far.

What could they have done better?

Everything is fine.

Clayton's reply

Many thanks for the kind review, Elizabeth. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to invest a lump sum of money.

How has Clayton Cumming helped you?

Clayton gave me advice on what investments I could make and after discussions prepared the appropriate paperwork and followed through with my chosen options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure under the current circumstances that the outcome could have been much better.

Clayton's reply

Many thanks for taking the time to leave me a review. Very helpful and appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

How I invest my money.

How has Clayton Cumming helped you?

Very knowledge trust him I do not think he would let me down.

Have you seen the outcome you were hoping for?

No but because of current market volatility that has not happened.

What could they have done better?

In current markets they are doing there best. I think over a period of time things will improve.

Clayton's reply

Thanks, David. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was unsure of the value of my pension and how I could get it to work for me.

How has Clayton Cumming helped you?

He explained everything in layman’s terms. He advised me what to do to maximise the value of my funds. I am able to retire at 56 thanks to his advice and guidance.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing- I have been impressed from day one

Clayton's reply

Thanks for the great review, Carol. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Coming up to pension age and needed advice

How has Clayton Cumming helped you?

Clayton has taken over everything for us so we don’t have to worry about any investments and pensions

Have you seen the outcome you were hoping for?

Yes

Clayton's reply

Many thanks, Sheena. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Upcoming retirement and an inheritance meant my husband and I felt it was time to review our finances and plan for the future.

How has Clayton Cumming helped you?

He guided us through the financial maze of possibilities and recommended appropriate ways to maximise our funds.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Clayton's reply

Thanks for taking the time to leave me a review, Helen. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

We were dissatisfied with the advice given to us by our bank. We felt that they were pushing their own products which we were sure were not giving us any flexibility or good returns.

How has Clayton Cumming helped you?

Clayton has shown us alternative investment products after carefully discussing our attitudes to risk and long term goals.

Have you seen the outcome you were hoping for?

Yes, very much so. Even during recent turmoils affecting investments, Clayton has reassured us that our long term goals are still on track.

What could they have done better?

Nothing comes to mind.

Clayton's reply

Many thanks for the great review, Stephen. Happy to help. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

We were thinking about retiring but had no idea how this would affect us financially

How has Clayton Cumming helped you?

Clayton listened to our concerns then set about organising a plan which he explained in very simple terms. He is very knowledgeable and patient!

Have you seen the outcome you were hoping for?

Absolutely. Delighted to say that Clayton sorted everything. He was very reassuring and we are now very happily retired

What could they have done better?

No, Clayton is super efficient. If I have any questions I can email or text Clayton and he replies almost immediately either to answer question or to let me know when he will get back to me... even when he is on holiday abroad

Clayton's reply

What a lovely review, Marie. It is very much appreciated. Thanks, Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

very little feed back from previous advisor

How has Clayton Cumming helped you?

Explaining things in plain English

Have you seen the outcome you were hoping for?

Almost

What could they have done better?

nothing at this time

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Pension transfer

How has Clayton Cumming helped you?

Set up and helped me with my pension.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing, nice person.

Clayton's reply

Thanks for the kind review, Gordon. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I came in to some money and didn’t quite know what to do with it and then I approached a financial advisor

How has Clayton Cumming helped you?

Clayton cumming was the financial advisor that helped me in advising me on money I had and he advised me to invest it

Have you seen the outcome you were hoping for?

Yes it was a great help for the information I received from the financial advisor and I haven’t looked back

What could they have done better?

No I don’t think anything could have been done better

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Early retirement.

How has Clayton Cumming helped you?

Clayton advised the best way to transfer pensions into one pot for the future.

Have you seen the outcome you were hoping for?

Yes 100%.

What could they have done better?

N/A

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted advice on growth of financial investments.

How has Clayton Cumming helped you?

He outlined a range of investment possibilities for my consideration.

Have you seen the outcome you were hoping for?

I have been satisfied with the results of the recommended investments.

What could they have done better?

I am satisfied with the advice I have recieved.

Clayton's reply

Thanks Gavin. Your kind review is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in East Sussex

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

Financial advice

How has Clayton Cumming helped you?

Clayton has been extremely helpful in advising me in financial matters regarding my savings for the future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Clayton's reply

Thanks for leaving me a review, David. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Argyll

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

Not happy with previous advisor.

How has Clayton Cumming helped you?

Set up pension scheme and ISA investment for me.

Have you seen the outcome you were hoping for?

Yes, as good as anything else. Yes. Happy with investment.

What could they have done better?

Nothing.

Clayton's reply

Good morning, Duncan. Thanks for taking the time to leave me a review. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lancashire

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

To get advice that was the best for my wife and I on pensions.

How has Clayton Cumming helped you?

He has advised but let us make up our own minds.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Clayton's reply

Hi Daniel. Thanks for the kind review. Very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension transfer

How has Clayton Cumming helped you?

Always great advice helpful polite and phone call away if you need any help.

Have you seen the outcome you were hoping for?

Always

Clayton's reply

Pleasure to help, Paul and thank you for the kind review. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I had some money to invest so wanted a financial advisor for best advice

How has Clayton Cumming helped you?

Clayton has helped me greatly with his advice and knowledge in what to invest in and explains the lev3of risk involved

Have you seen the outcome you were hoping for?

Very much

What could they have done better?

As far as I'm concerned it's been great advice

Clayton's reply

Many thanks for the kind review, Thomas. Pleasure to help. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted a flexible pension

How has Clayton Cumming helped you?

Clayton has brought together all our pensions

Have you seen the outcome you were hoping for?

Clayton has allowed us to take control of our financial future.

What could they have done better?

Nothing

Clayton's reply

Many thanks for the kind review, Carole. Really appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

My wife died leaving me money Clayton invested it for me it done very well

How has Clayton Cumming helped you?

I was receiving an income of £400 every 4 weeks and helped me a lot

Have you seen the outcome you were hoping for?

Was happy at the time but the whole worlds struggling to make the money

What could they have done better?

Nothing but hopefully the future will become good again and I trust Clayton to help me when things get back too normal

Clayton's reply

Thanks for the kind review, Gerald. Always here should you need anything. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

I was wanting advice on getting my pension early from an advisor

How has Clayton Cumming helped you?

He has helped me tremendously with the advice I have received from him . Clayton is someone I trust for sound advice through his knowledge

Have you seen the outcome you were hoping for?

Yes I took my pension with Clayton’s advice and haven’t regretted it

What could they have done better?

Can’t think of anything .It was very straight forward

Clayton's reply

Thanks for the great review, Andrew. Much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Argyll

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

Planning how best to invest my capital and savings

How has Clayton Cumming helped you?

Regular visits to discuss investments and how to maximise these: also advice on investing in ethical companies. Regular abd very useful reports on the general financial situation and how things may develop.

Have you seen the outcome you were hoping for?

In the present volatile international situation I suspect that few investors are seeing a situation which pleases them: in such a situation , it is even more important to ensure that the investor has the advice of a trusted professional . Clayton has always been extremely professional and attentive.

What could they have done better?

I am unable to gauge this , as I know very little about financial and investment markets.

Clayton's reply

Thank you for leaving me a review, Freda. It is very much appreciated. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Knowledgeable and Trusting

How has Clayton Cumming helped you?

Sound, practical advice and always to hand

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Provided more lunches or dinners

Clayton's reply

Cheers John! Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

My current bank was no longer providing me with any guidance or advice on my finances or savings.

How has Clayton Cumming helped you?

Clayton has advised me on how best to grow my savings and explained the type of investments that is best suited to me without any pressure and has made the whole experience very easy.

Have you seen the outcome you were hoping for?

Yes I guess so, as I understand that my type of investment fluctuates and with the current state of the world, I expected a lot of ups and downs.

What could they have done better?

I am not sure about what can be done better but regular contact with customers and explanations do help reduce anxiety and worry.

Clayton's reply

Many thanks for leaving me a kind review. Anything you need, please do get in touch. Clayton

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I spoke to 3 different advisors before deciding to go with Clayton. I had just had a major heart operation and thought at 60, May be able to retire. I held a number of different pensions and didn’t know what the best option would be for me moving forward. Feeling very confused I listened to what all advisors said and what Clayton said seemed the best option. So asked him for further advice.

How has Clayton Cumming helped you?

He looked at my many pension pots, worked through each one and looked at my options, after a thorough analysis of my wishes we agreed a plan, Clayton took so much strain from me, has shown great patience with any question, no matter how simple or complicated, he has responded, guiding me through the mire of the pension world with skill and understanding

Have you seen the outcome you were hoping for?

Yes, my desired outcome is now in place, along the way I have participated in reviews with him, stopped and restarted my pension as I worked for a set period of time, and my pot continues to perform in the way expected.

Clayton's reply

Delighted to help, Fiona and thank you for taking the time to leave me such a lovely review. Really very much appreciated. Clayton

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed to invest my savings.

How has Clayton Cumming helped you?

Clayton advised where was the best place to put my savings.

Have you seen the outcome you were hoping for?

Yes there has been a bit of growth in my funds.

What could they have done better?

Nothing

Repeat review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

I am buying a house and Clayton is advising me which accounts to take my money from.

Repeat review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

I had a review with Clayton on March 22 and he went over my portfolio in detail and was willing to explain and answer any questions I asked.

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

There’s not been a lot of change in my circumstances over the last year but Clayton regularly checks in with me to discuss how my investment is performing and to answer any questions I have. I’m very happy with the care taken with my pension.

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

His client care is second to none. Easy to communicate with and all makes himself available. He understands me and my needs and always looks for best way forward.

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has provided excellent advice in investments and has advised me on the most tax efficient ways to receive my pension income. The advice is always provided in timely manner and he always ensures that I fully understand all the information provided.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was planning to retire but had no idea of state of pensions savings. Needed help

How has Clayton Cumming helped you?

Basically Clayton came in and sorted our finances to give us the confidence to retire in 2022

Have you seen the outcome you were hoping for?

Yes some of our savings have done well and the pensions are all looking good

What could they have done better?

Clayton is always there for us. We can call text or email and he replies very quickly

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Regular contact always available , timely response when required. Gave good advice which was a benefit to us

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in West Lothian

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

How has Clayton Cumming helped you since your last review?

Clayton takes his role as a financial advisor very seriously, he performs his role diligently ensuring he maintains regular contact regarding my requirements and keeping me informed about my investments. I moved my pension from a "final salary" company pension 3 years ago into a SIPP and I couldn't be more pleased with the result, which I'm sure is due to the work Vlayton has put in to managing my portfolio. I would have no hesitation in recommending Clayton to anyone.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Stirlingshire

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

How has Clayton Cumming helped you since your last review?

Yes I have continued to keep in close touch with Clayton this year, though face-to-face meetings have been fewer because of coronavirus restrictions. The service I have received during this review period has been fully up to his five-star standard. I have had further advice about pension and ISA consolidation during this period

Clayton's reply

Thanks Douglas.Appreciate it.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has been available for any questions I have had during this year and if he has to check on something specific he gets back to me in a timely manner.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton keeps me updated on a weekly basis via an emailed newsletter. He has also called me to see if anything has changed or if I need any further advice

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Ongoing advice on both my wife's and my pension, plus any additional advice and help we need regarding our finances.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Argyll

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

How has Clayton Cumming helped you since your last review?

He has kept in touch, emailed a weekly summary of the latest financial outlook.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Smooth transfer of pension

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Wanted to look at pension planning

How has Clayton Cumming helped you?

He helped put my pensions in order and done cashflow planning to see when i could retire

Have you seen the outcome you were hoping for?

Yes,happy with the service provided and weekly updates on the markets.

What could they have done better?

nothing

Repeat review from verified client

May, 2021

Overall

Value

Service

Advice

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton has helped to move my money into a better investment. He also seems well informed as per his weekly updates, love his little jokes.

Repeat review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Due to Covid restrictions I have not met up with Clayton recently for my annual review. Clayton sends a weekly news email to keep in touch and is always available to speak on the telephone.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Clayton is always accessible if I have any issues. He is proactive in looking for ways that suit me, short, med and long term.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement

How has Clayton Cumming helped you?

Did everything for me

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

He has provided me with ongoing up to date information in an ever changing financial climate

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

The past year has been very difficult due to the covid 19 situation and of course the market downturn that also occurred. Clayton provided excellent advice, guidance and reassurance during this difficult period. Although it was very difficult to meet face to face during this time, Clayton always made sure to keep in touch and started a weekly update to provide market information, weekly highlights and of course some humour which was appreciated during this difficult time. He reacted positively to the difficult year and has a proactive outlook.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton keeps in contact on a regular basis, no issues , happy with service provided

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has helped me recently after I asked for a change to my retirement funds. He was able to assist with any questions I had in a timely manner and this allowed my request to be carried out seemlessly.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Receive regular updates, with access to view all transactions.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Stirlingshire

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

How has Clayton Cumming helped you since your last review?

Yes I have had several meetings with Clayton since then. He has continued to give excellent advice in all areas of financial planning and recently provided me with an update financial projection covering my retirement years. he has also given me detail advice about moving some shares into my ISA

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

He has advised us on how to maximise the benefits of paying into our pensions and kept us updated on how they are performing.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has moved my money about to other investment funds which are continuing to grow. I am very happy with my return on my investments.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Dissatisfied with deposit based savings rates and looking for long-term growth

How has Clayton Cumming helped you?

Clayton listened to my needs and aspirations for the future, then designed bespoke advice for my circumstances.

Have you seen the outcome you were hoping for?

It’s early days, but the signs are positive even in this turbulent market.

What could they have done better?

I believe in constructive feedback however, Clayton provides an excellent service in difficult times.

Review from verified client

September, 2020

Overall

Service

Advice

Value

Based in Ayrshire

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

SIPP planning

How has Clayton Cumming helped you?

Investing in a SIPP

Have you seen the outcome you were hoping for?

Yes

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

On retirement, I needed advice and support on the options available for investing and managing my pension funds, and to review my savings held in stock and share ISAs

How has Clayton Cumming helped you?

Clayton provided all the required advice and analysis on my options and managed the transfer of my pension funds into a Self Invested Personal Pension, and a switch of ISA savings into different funds.

Have you seen the outcome you were hoping for?

I am delighted with how my pension and ISA savings have been invested and with Clayton's ongoing support as and when needed.

What could they have done better?

I cannot suggest anything that could have been done better

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Change in circumstances

How has Clayton Cumming helped you?

Clayton has been a trusted advisor for over 10 years offering great advice. Always available to discuss.

Have you seen the outcome you were hoping for?

Too early but happy with all matters to date

What could they have done better?

Nothing. Very knowledgeable of the market and conditions

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

I decided to take a drawdown on my pension

How has Clayton Cumming helped you?

He organised the drawdown and set up my funds

Have you seen the outcome you were hoping for?

yes

What could they have done better?

He done everything I wanted. I have no reason to think he could have done better.

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Clayton

Excellent

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton helped me to release some money that was needed for home improvement. He has also been keeping me informed about the current situation with this COVID 19 virus.

Repeat review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton has always understood the way I work and handle my money affairs. In years gone by I had bought many shares in different companies and financial institutions Clayton is now helping me to gather all information and 'house' the shares in Equiniti.

Repeat review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

As before his ongoing support is exceptional. He listens fully to my view points before we agree a strategy of progression

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I needed to firm up some plans going forward

How has Clayton Cumming helped you?

Clayton met me and we went through my goals for the future, established a risk profile and he came back to me with a suggested set of actions.

Have you seen the outcome you were hoping for?

I am achieving my goals. As the environment has changed, Clayton has recommended changes to ensure the plan stays on track.

What could they have done better?

There's nothing I am aware of that Clayton could have done better. We have regular reviews and I can contact him whenever I need to. He has contacted me when I needed to be notified of external actions.

Repeat review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

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

How has Clayton Cumming helped you since your last review?

Any queries or questions i had were answered,if not on same day then day after.Clayton is very easy to get a hold of if need advice.

Repeat review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton has provided regular updates on pension investments and performance and over the past year has provided some excellent advice on my investment strategy which I have used. I always find that Clayton will answer any questions I have or will point me in the right direction in a straight forward and timely manner.

Repeat review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Argyll

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

How has Clayton Cumming helped you since your last review?

He has continued to give me excellent advice and kept up to date with my investments

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

As we wee poaching retirement age we were looking for some financial advise and planning.

How has Clayton Cumming helped you?

We reviewed the financial situation of myself and my wife and decide on the best plan for growth and security.

Have you seen the outcome you were hoping for?

We are happy with the way things have gone over the last 4 years, and the results have been acceptable, but above all he managed to pull all the different elements together and make our savings, pensions, Isa's and shares a lot easier to understand.

What could they have done better?

We are more than happy with all the advise Clayton has given and doubt it could be improved

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

My previous financial advisor retired so I needed to find someone new

How has Clayton Cumming helped you?

Clayton helped me with a full review of my financial status, covering several pensions, current investments and insurances. We discussed my plans and thinking about the future and ensured that I was on track. Specifically I was looking for financial planning and forecasting using the specialist tools available to planners. Clayton provided several scenario plans that allowed me to be comfortable with what was in place. We did make a few adjustments to my products, but that was more down to my requests rather than any issues.

Have you seen the outcome you were hoping for?

Yes. The scenarios covered using the financial forecasting software was excellent.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Clayton, has delivered everything that he advised/promised. On the one occasion that i had to contact him with a query, he gave a quick and satisfactory response.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

How has Clayton Cumming helped you since your last review?

Yes, Clayton has helped me since my last review.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Lothian

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

I was looking for a financial adviser a year before my planned retirement date, that's when I first met Clayton who was one of 4 IFA I interviewed as a potential candidate to look after my pension in my retirement.

How has Clayton Cumming helped you?

He is a very good listener, he listened to my plans, hopes and aspirations for the future after my working life has come to an end. He then guided my through the decision process by helping me to understand my attitude to risk, talked me through the various pension options and reminded me not to forget about my ISA options as well.

Have you seen the outcome you were hoping for?

All in all I felt that he fully understood my requirements, put in place a good strategy to help me achieve my objectives and so far after just under 2 years in my fund it has worked out quite well especially given the turmoil in the financial markets over the last year or so. I would have no hesitation in recommending Clayton as a financial adviser.

What could they have done better?

I don't have a feeling that after 2 years we've missed anything or that I would like to have done anything differently, so far it's all gone exactly to plan over the last 2 years approximately.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

I have had two other adviser's over the last 10 years and always had to chase information from them. Their charges for the level of service seemed high to me and the performance in terms of the recommended investment plans was at best average and in one case led to a large loss.

How has Clayton Cumming helped you?

Clayton not only went through the semantics of performing the risk profile but took the time to walk through this several times ensuring both fully versed on the outcome I was seeking to achieve and the appropriate risk profile. This has worked very well to date and even when the market changed Clayton was quick to react and review the options and actions open to me

Have you seen the outcome you were hoping for?

Yes and even though my personal circumstances have changed substantially Clayton has been on hand to help review the impact this has had on my current situation and profile future options.

What could they have done better?

I think the next stage for me will be to ask Clayton to review and better understand the inheritance options.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

Clayton keeps in touch, we speak and meet up to review &/or changes investments. Excellent advice always.

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

How has Clayton Cumming helped you since your last review?

assisted with some ISA transactions

Repeat review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

How has Clayton Cumming helped you since your last review?

Yes - Clayton arranged to meet recently for an annual review of my policy and he went through my investments in detail. As always, he was able to answer any questions I had and we both agreed that things were positive with regards to the policy.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

Looking to maximise my pension and ensure partner has an income when I pass away

How has Clayton Cumming helped you?

Good, clear honest advice. Brought a number of proposals to the table which allowed me to make the right decision for my circumstances

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

I have no negative feedback. Very pleased with the service

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

I used to get some advise from my bank but wanted something more in depth and personal.

How has Clayton Cumming helped you?

He gave me the more in depth advice I required and with my pension becoming more important to me he has given me great advice on how to manage it and eventually get the most benefit from it.

Have you seen the outcome you were hoping for?

Up until now I'm very happy with the way it's performing.

What could they have done better?

Personally I am happy with all that he has done for me

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Stirlingshire

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

I was thinking a few years ahead to retirement and knew that I'd need some help with planning for it.

How has Clayton Cumming helped you?

Clayton came to see my wife and I and initially got all the relevant facts and figures from us - income, outgoings etc., and we gave him information on how we thought these values would change over the coming years. This allowed Clayton to advise on the best use of our existing assets, in terms of investments, and he also consolidated a number of my workplace pensions that I had built up over the years - a task I would not have been able to contemplate myself. Clayton produced a financial projection for our future and this re-assured us that we should be able to look forward to a safe and comfortable retirement.

Have you seen the outcome you were hoping for?

Yes, so far so good. We are particularly pleased to see that the future financial projection will see us comfortably through the rest of our lives.

What could they have done better?

I can't think of anything really - Clayton has helped us enourmously over the past few years

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

To better understand my current financial position.

How has Clayton Cumming helped you?

Clayton gave me impartial advice and explained in laymen terms the various options and routes that I could persue to achieve more financial awareness.

Have you seen the outcome you were hoping for?

I would say from past experience, I have the best outcome given the status of the current financial markets at this time.

What could they have done better?

Good financial advisors are hard to find and I appreciate that they have many various clients to look after, but Clayton does make the time to come back to me.

Review from verified client

November, 2019

Overall

Service

Value

Advice

Based in Lanarkshire

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

Initially, I was looking to consolidate various savings accounts/policies I had as I had just moved back to the UK.

How has Clayton Cumming helped you?

Clayton helped me understand what I had and what options were available. I did not appreciate that one policy I had was high risk until Clayton explained what it was to me. Clayton explained the risk ratings of products simply and in a way I could relate them to my risk appetite. I struggled to understand the charges initially but again Clayton helped to simplify these for me. We also discussed pension options. I particularly liked the fact that I did not feel pressurised or hurried to make my pension decision.

Have you seen the outcome you were hoping for?

Yes. I have a better understanding of what I have, it's better aligned to my risk appetite and it's much easier to keep track of.

What could they have done better?

Nothing really. If I was being super picky I'd say that we managed to get a bit confused temporarily on some of the paperwork initially when there were lots of movements going on. There is loads of paperwork and I understand why it's needed. A quick refresh of all the stuff in folder before coming in may have saved a bit of confusion? This is a really picky point point though.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to pull several pensions together and take a tax free lump sum at age 55

How has Clayton Cumming helped you?

Clayton gave me advice on my options, arranged a multi-plan portfolio wrap for my consolidated funds and a tax free lump sum at my 55th birthday

Have you seen the outcome you were hoping for?

Yes , the funds have performed above the benchmark in 3 of the 4 years since start up.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Nearing retirement age and needed expert advice

How has Clayton Cumming helped you?

Clayton came to our house and gathered all the information on our finances pensions etc then worked out a plan for our retirement which made us feel much happier about our prospects

Have you seen the outcome you were hoping for?

Yes. Plan working

What could they have done better?

Nothing. He understood our needs on retirement and he came up with a very good plan for us

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Argyll

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

Dissatisfied with previous advisor .

How has Clayton Cumming helped you?

Did a review and suggested alternative investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

I was investing money . I also had a pension that I was investing.

How has Clayton Cumming helped you?

Clayton advised me the best place to put the money for the best returns. He went through everything in very good detail.

Have you seen the outcome you were hoping for?

Yes. Good outcome.

What could they have done better?

Could have done nothing better. Was very happy with the service Clayton provided . I also passed his name into some of my family , who are also happy with the service.

First impression from a user who is not yet a client

July, 2019

Overall

Please provide a brief comment about your experience with Clayton

friendly, open and competent

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had the opportunity to move my work pension into a private scheme.

How has Clayton Cumming helped you?

I had a limited time to get advice and to make the transfer. Clayton was very friendly, profesional, visited me at my home, explained my options thoroughly and, once I had made my final descision, was quick to organise the transfer.

Have you seen the outcome you were hoping for?

Yes, the transfer was made well within the deadline.

What could they have done better?

Nothing, the service he offered was very comprehensive.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

I have been lucky over the years to accrue a substantial pension pot

How has Clayton Cumming helped you?

Clayton explained all the possibilities of investing my pension and steered me in the best direction for my future needs.

Have you seen the outcome you were hoping for?

I am very very pleased with the monthly interest that my investment is returning at the moment and hope that it continues in the future.

What could they have done better?

The service that I have received from Clayton has been very professional and any queries have been answered promptly. I would have no hesitation in recommending Clayton to any of my friends or colleagues for any advice regarding pensions or investments.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ross-shire

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

I was in more than 1 pension scheme and had investments which i wanted advice on

How has Clayton Cumming helped you?

Clayton provided me with advice and guidance on options on the best way forward for my investments

Have you seen the outcome you were hoping for?

To date i am very satisfied with the progress made.

What could they have done better?

Clayton is accessible to me anytime to provide advice, guidance should i need it, i have found him to be reliable and professional in my dealings with him.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

I was in 4 pension schemes which I needed advice on.

How has Clayton Cumming helped you?

Clayton gave me good advice on my pension plans and investments and clearly explained how to achieve the retirement I was looking for.

Have you seen the outcome you were hoping for?

I have got exactly what I required .

What could they have done better?

sorry I cannot think of anything he could have done better.I was given the information I required when I needed it .He was regularly in contact with me throughout my early retirement arrangements,which he dealt with efficiently and promptly.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking to transfer my work pension into a SIPP

How has Clayton Cumming helped you?

Clayton's advice was invaluable -he made the process of transferring remarkably easy - making sure I understood my options and then executing the preferred route quickly and professionally. As a customer of his he is always available for any follow up questions, with regular meetings to review my investment options.

Have you seen the outcome you were hoping for?

Yes - I feel that my needs were met - I am very happy and would recommend Clayton to anyone looking to do the same thing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

getting near retirement age,wanted advice on the best options to generate income from my pension pots,to allow us to plan our retirement

How has Clayton Cumming helped you?

Clayton.listened to our wishes about how we wanted our lives in retirement to progress,he drew up plans and explained them at a pace we could fully understand.We picked the option which best suited us.

Have you seen the outcome you were hoping for?

At present yes

What could they have done better?

can not think of anything,happy with his commitment

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Renfrewshire

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

Transferring company pensions to private scheme.

How has Clayton Cumming helped you?

Clayton provided sound advice with regards to the options available to myself.

Have you seen the outcome you were hoping for?

This is ongoing.

What could they have done better?

I can't think of anything Clayton could have done better.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

I had reached the age of 55 and wanted to transfer my works pension out as it had been deferred for a number of years and this would allow me to invest it elsewhere.

How has Clayton Cumming helped you?

Clayton gave fantastic advice on all the options available, which gave my wife and I a clearer idea on how to proceeed.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

In my opinion Clayton is extremely knowledgeable on finance matters including investments, pensions and the mechanism required to go ahead with transferring it. However before this was carried out he provided an in-depth proposal including personal projections which gave us a positive indication of what could be achieved as we approach retirement.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had recently sold a house and wanted advice on where best to invest the equity in line with my appetite for risk/growth.

How has Clayton Cumming helped you?

provided considered advice on available investment products in the market, including the consolidation of multiple pension pots accumulated over the years.

Have you seen the outcome you were hoping for?

Still early days, but i am comfortable with the advice recieved.

What could they have done better?

A little bit less paper (!), so that analysis and illustrations can be provided digitally

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

Pension Transfer

How has Clayton Cumming helped you?

He did everything for me regarding my pension

Have you seen the outcome you were hoping for?

Yes, and more.

What could they have done better?

Nothing, as far as I can tell.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

I’ve heard of people retiring and not being able to holiday, to buy a new car, to do what they want to do because they didn’t have proper investment/pension advice. I certainly don’t want that to be me, I want to make sure that when I retire I’m able to live how I want to live.

How has Clayton Cumming helped you?

Clayton took the time to understand my financial situation, he provided a full report on my current situation and what changes could be made to improve the likely outcomes.

Have you seen the outcome you were hoping for?

Yes - things are moving along well

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

I was planning to retire in the near future and was not satisfied with my current adviser and his approach. I felt as though there was a lack of communication and strategy as I approached the last few years of working. I was advised to discuss with different advisers to compare their thoughts and advice.

How has Clayton Cumming helped you?

Clayton asked for some information and then we arranged a meeting. When we met Clayton outlined the background to the company, the employees and how they operated. He asked what I was looking for and then explained what he thought would be the strategy I should take before and when I retired. He answered all my questions and provided all the information I needed

Have you seen the outcome you were hoping for?

Yes, I believe am on the right strategy and feel fully informed. Clayton answers any question I ask straight away in a language that I can understand, communications are excellent and I am now looking forward to retirement knowing that I have someone I trust giving me excellent advice.

What could they have done better?

I do not think that anything could have went better, I never felt under pressure, communications are excellent and the advice I was given was exactly what I was looking for.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Renfrewshire

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

Review of Pension options and advice on Pension Transfer

How has Clayton Cumming helped you?

Clayton provided clear advice and guidance of options and executed transfer from a Defined Benefits Pension.

Have you seen the outcome you were hoping for?

Time will of course tell whether the investment options are performing as expected, but I have no doubt the transfer from a Defined Benefit to a more flexible pension is the right move for me.

What could they have done better?

Nothing I can think of on this occasion.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

Pension draw down

How has Clayton Cumming helped you?

Gave me good advice. And setup my investment and pension plan.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He did everything I needed

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

I had a previous financial advisor who was giving me the correct answers. I decided to contact Clayton and he was very helpful and professional

How has Clayton Cumming helped you?

He gave me facts figures and made the information practical and easy to understand . He has delivered a good solid pension plan

Have you seen the outcome you were hoping for?

Yes my plan is on track and is a long term investment.

What could they have done better?

Can’t think of anything

First impression from a user who is not yet a client

July, 2018

Overall

Please provide a brief comment about your experience with Clayton

Clayton is open and clear about what his firm and he can do for me.

First impression from a user who is not yet a client

May, 2018

Overall

Please provide a brief comment about your experience with Clayton

Clayton was very deliberate in all his dealings with me and went through every step meticulously, clearly explaining everything at each step of the process. The end result is exactly as he said it would be and I'm got a portfolio that I can easily view whether it's a quick top level view or if it's a total drill down that I want to do and I am very happy with the end result.

First impression from a user who is not yet a client

April, 2018

Overall

Please provide a brief comment about your experience with Clayton

Very pleasant and understood our requirements. Will probably use his services in the near future.

First impression from a user who is not yet a client

March, 2018

Overall

Please provide a brief comment about your experience with Clayton

Really helpful and useful financial advice.

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Clayton

Not met with Clayton yet so unable to answer your questions. Happy and comfortable with discussions so far

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Clayton

VERY HELPFUL OPENING SESSION WITH NO SALES PRESSURE - CLAYTON WAS FRIENDLY AND PROVIDED AN UNBIASED EXPLANATION OF OPTIONS OPEN TO ME. OUTCOME WAS THAT I ELECTED TO REMAIN WITH MY CURRENT PROVIDER - WHICH WAS A FUNCTION OF THE SPECIFICS OF MY CIRCUMSTANCES AND MY PERSONAL CHOICE TO RETAIN THE DB PROPOSITION.

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Clayton

Very nice knowledgeable and helpfully. Will probably use his service

First impression from a user who is not yet a client

July, 2017

Overall

Please provide a brief comment about your experience with Clayton

Clayton visited me at home. He arrived as promised and on time. Very smart in appearence and a very professional approach. His advice was very informative and will help me a great deal when making my decision to take matters further with my enquiry.

First impression from a user who is not yet a client

April, 2017

Overall

Please provide a brief comment about your experience with Clayton

Clayton gave me useful advice.

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Clayton

Clayton was very quick to get back to me when I had left a message and was very accommodating, arranging a home visit as I don't keep well. I felt Clayton explained everything to us in a way that was easy to understand, I also didn't feel pressured to make any decisions. He was very professional.

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Clayton

He was very thorough in reviewing my information and explaining what would happen. He was charming and knowledgeable

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Clayton

Very professional in all aspects of financial info.

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Clayton

First meeting: initial meeting was very positive. Mr Cumming talked through a range of financial options open to me including investments, pensions and general savings. I will follow up with him in the very near future. He appeared very knowledgable and I look forward to receiving his finical advice.

Review from verified client

February, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

My work scheme pension changed significantly and I needed advice on what I should do next, so I contacted Clayton for advice.

How has Clayton Cumming helped you?

He reviewed the pro's & con's for me to keep my pension pot where vs moving it elsewhere. He analysed this in great detail and explained both options very clearly to me.

Have you seen the outcome you were hoping for?

Strangely, I expected the advice to be the opposite as I had assumed that is what it would be however after my recent meeting with Clayton he made it very clear as to what I should do. The advice meant that Clayton was not taking my pension business, so clearly put me first in his advice to me. For that, I would happily recommend him to anyone having questions about their pension provisions or other financial matters.

What could they have done better?

Genuinely can't fault him in any way over this review and will happily use him again in the future.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Lanarkshire

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

Somewhere safe to put our savings.

How has Clayton Cumming helped you?

Understood exactly what we were looking for and explained everything in layman's terms.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

It would be difficult to suggest any improvement on the service we received.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

pension transfer.

How has Clayton Cumming helped you?

organised my pension transfer.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I had a few private work pensions,did not have clue how to release & invest the money.

How has Clayton Cumming helped you?

clayton helped to consolidate my pension and made everything easy to understand as it is a finacial minefield,after just one meeting i was totally happy with everything that was explained to me.

Have you seen the outcome you were hoping for?

I was more than happy with the outcome and the investment of the funds,not pushed into anything i was not happy with.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Been looking to start my Privare Pension for a while now. I knew Clayton could arrange what I wanted.

How has Clayton Cumming helped you?

Clayton explained all funds he felt applicable to my circumstances and helped me choose the right Pension for my retirement.

Have you seen the outcome you were hoping for?

Absolutely!.

What could they have done better?

.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Lanarkshire

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

Having recently turned 55, I wished to access funds from occupational pensions and take advice on how best to manage these funds.

How has Clayton Cumming helped you?

He was particularly attentive to my individual needs.

Have you seen the outcome you were hoping for?

Most definitely!.

What could they have done better?

Nothing at all; I cannot fault him!

First impression from a user who is not yet a client

September, 2016

Overall

Please provide a brief comment about your experience with Clayton

Very good and understanding of requirements.

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Clayton

knowledgeable , professional, no pressure

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Clayton

Clayton was very professional in how he described various scenarios open to me.

First impression from a user who is not yet a client

August, 2016

Overall

Please provide a brief comment about your experience with Clayton

We had a very good discussion about key issues. Explanations were clear and all of my questions were answered very well and to my satisfaction.

First impression from a user who is not yet a client

July, 2016

Overall

Please provide a brief comment about your experience with Clayton

Clayton arrived punctually and was easy to get along with. He read over all of the paperwork that I had gathered on my and my wife's pensions. We discussed our needs and the issues that we had in a clear manner. We discussed our options. He did not try to sell us anything. He did not try to influence any decisions we might make. He was clear about his pricing structure. Overall this was a very constructive and informative introductory meeting.

First impression from a user who is not yet a client

May, 2016

Overall

Please provide a brief comment about your experience with Clayton

Very helpful

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Some of my pensions were coming to the end of term.

How has Clayton Cumming helped you?

He gave good advice on a range of options.

Have you seen the outcome you were hoping for?

Have not been invested long enough to see what the return might be but I was happy with his knowledge and advice.

What could they have done better?

I feed Clayton more than met my requirements and was happy with his commitment and advice for me

First impression from a user who is not yet a client

May, 2016

Overall

Please provide a brief comment about your experience with Clayton

G

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Reaching 55 and being able to draw down some money from my pension fund.

How has Clayton Cumming helped you?

Made me aware of the options appropriate to me.

Have you seen the outcome you were hoping for?

Too early to know.

First impression from a user who is not yet a client

April, 2016

Overall

Please provide a brief comment about your experience with Clayton

Very satisfied so far

First impression from a user who is not yet a client

April, 2016

Overall

Please provide a brief comment about your experience with Clayton

Professional and approachable

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Receipt of additional monies.

How has Clayton Cumming helped you?

Helped give advice on where to invest the funds after taking our risk score into account.

Have you seen the outcome you were hoping for?

On the whole our investments have done well.

What could they have done better?

Nothing that I can think of at this time.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Clayton

Very presentable. Very well informed.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Clayton advised me while with Royal Bank of Scotland, where he was held to RBS advice.

How has Clayton Cumming helped you?

We talked over my goals. Clayton drew up a financial report, and we met again to discuss the review. the changes were then put in place.

Have you seen the outcome you were hoping for?

I am happy with the changes made.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

To increase find a suitable company pension.

How has Clayton Cumming helped you?

Clayton helped by finding me a more suitable pension plan for my needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing the service was spot on

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

huband had three pensions - two work and one personal which were no longer being paid into. looking to move all three to same policy and allowing acces to tax free allowance.

How has Clayton Cumming helped you?

Clayton helped by explaining different options available to us and then dealt with the companies on our behalf. He keept us up to date with everything that was happening. Clayton explained everythign in such a way that it was easy for us to understand and lisened to what our goals were with regard to the security of our money.

Have you seen the outcome you were hoping for?

We were vey happy with the recommendations and advice given. We now know that we have some security for later when we retire.

What could they have done better?

I don't believe Clayton could have done any better. He gave us good clear recommendations based on the information we provided him with and what we were looking for in the long term. Clayton was always available to speak to on phone when required.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice.

How has Clayton Cumming helped you?

With pension procedure.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Top quality advice

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was planning to retire and wanted advice about my work pension (what I should do with it). There was so much information from various sources that it was confusing. Also, I wasn't convinced that some advice I'd received from elsewhere was right for me. I was really worried.

How has Clayton Cumming helped you?

Clayton discussed what I wanted. He undertook a thorough check on my financial situation and on the options available. He explained and discussed each option with me. He was very patient and easy to talk to. He gave me advice while allowing me to decide what felt best for me. He was clear about the costs and what financial outcome I could expect. I was happy for him to make the arrangements for me. This was done very efficiently.

Have you seen the outcome you were hoping for?

Yes. I was able to make decisions that I knew were right for me. The outcome was better than I expected.

What could they have done better?

-----

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Private pension.

How has Clayton Cumming helped you?

Clayton was great at explaining and setting up my pension and life insurance, trustworthy and helpful.

Have you seen the outcome you were hoping for?

Not yet.. Pension fund.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Self employed looking for cost effective way of saving for performing pension.

How has Clayton Cumming helped you?

Full name Full Market review of best performing suitable products.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Fully satisfied with advice received from a qualified advisor

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Clayton

My wife and myself met with Clayton a few weeks ago. We advised Clayton what we wanted to do and also on some advise on what we do with pensions. Clayton advised he would contact the pension provider and get the information required. Received call from Clayton to advise he had the information we require and had arranged an app with us next week. Clayton was very friendly easy to talk to understood our needs and has kept us informed. I would recommend Clayton.

First impression from a user who is not yet a client

March, 2016

Overall

Please provide a brief comment about your experience with Clayton

Clayton took time to understand our needs

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Looking to consolidate my pensions & review performance.

How has Clayton Cumming helped you?

Clayton put together a financial plan for me which included consolidation of my pensions & investing in better performing funds. We also put a plan in place that will let me retire early.

Have you seen the outcome you were hoping for?

Yes the pension has been performing better than expected & delighted with the service provided to me.

What could they have done better?

Nothing Clayton explains everything clearly & delighted with his services

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

Most helpful

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Dunbartonshire

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

By a friend who had already taken advice.

How has Clayton Cumming helped you?

He explained the benefits and made it easy to understand which made it easy to decide how to invest.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I was happy with the service and advice given and I don think it could have been any better

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

To have someone like Clayton to advise on our money matters, we where made at ease and learned an lot from him, We are now looking forward to a second visit from Clayton knowing that his concerns are our future.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

Clayton contacted when he said he would; listened and understood my circumstances; was professional, patient, friendly, put me at my ease and gave me confidence that he would work in my best interests. Would highly recommend him. Am happy for these comments to be posted as I so appreciated Clayton's service - however I do not want my name listed on any website!!!!! Please can you advise if this is not possible - as I would in future not provide any feedback.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

Clayton was really helpful and he explained everything really well we felt so much better after his visit we now know what our option are and we now know what we are doing with regards to our investment.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

I required advice on planning fir my retirement.

How has Clayton Cumming helped you?

He helped me understand my goals and objectives in a simple to understand format. Provided clear and concise advice which has left me in a far better position.

Have you seen the outcome you were hoping for?

I now have a plan for now and the future which has provided much needed peace of mind.

What could they have done better?

I honestly think Clayton ticked all of my boxes and I couldn't rate him or the whole experience enough.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Over the course of last 4 years Clayton has consolidated various pensions that I had built up during my working life. He also provided me with an appropriate investment strategy as my pensions had not been performing very well.

How has Clayton Cumming helped you?

I was really and truly impressed with how my pension has grown in value. Clayton keeps me up to date on a regular basis and continues to explains it all in a language I understand. I would highly recommend his services to anyone who is looking for the pension and investment advisor with the exceptional level of professionalism and a personal approach to your needs.

Have you seen the outcome you were hoping for?

The outcome by far exceeded my expectations.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

Clayton was very professional and courteous in his manner. He also gave me invaluable advice and was extremely informative about my financial situation. I would highly recommend him as a financial advisor.

Review from verified client

February, 2016

Overall

Service

Advice

Value

Based in Renfrewshire

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

Initially large savings ,.

How has Clayton Cumming helped you?

He help to advise best way to invest for me to get best return. This year help helped advise regarding my pensions , thus allowing me to achieve my goal of early retirement.

Have you seen the outcome you were hoping for?

I retired in September. I have financial stability and still have a further pension in place.

What could they have done better?

his support his been exceptional. I have a huge amount of trust for his advice and his support is continuous.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

I wanted to employ a specialist to carry out a full review of my retirement plans and give me sound advice and firm recommendations to address my pension requirements to include the opportunity to retire earlier than I had previously intended.

How has Clayton Cumming helped you?

My advisor met with me on several occasions to get a good understanding of what my plans were for retirement. He explained my existing arrangements in a very clear way that helped me fully understand my existing arrangements and furthermore gave me various options to consider.

Have you seen the outcome you were hoping for?

Yes, my total pension holdings were around £275,000 and I wanted to get the best from these funds. These funds have been placed in a low risk fund which was important for me.

What could they have done better?

I have no complaints and felt I was dealt with in a very professional manner throughout.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Future investments and pension plans.

How has Clayton Cumming helped you?

Provided me with excellent information, advice and service for my future investments and pension plans.

Have you seen the outcome you were hoping for?

Yes, my investments are in full motion.

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

just an initial contact for me, not sure when I will take up their offer

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

Excellent

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Clayton

Very helpful

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Clayton

We had a quick yet detailed overview of what can be set into place interns of company pension scheme and investments. Information was provided in a simple and effective way and plans he talked me through sounded like exactly what I was looking for.

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Clayton

He arrived promptly at the appointed time. We explained our needs and he then offered his advise based on our statements. We consider that his advice, if we had accepted his services, would have been helpful and constructive.

First impression from a user who is not yet a client

December, 2015

Overall

Please provide a brief comment about your experience with Clayton

Great professional and will go ahead Clayton for business

Clayton's reply

Thanks for your review. Look forward to seeing you after the New Year

First impression from a user who is not yet a client

December, 2015

Overall

Please provide a brief comment about your experience with Clayton

Clayton was very easy to talk to and made me feel at ease, however, after considering their charges and what my needs were I find it difficult to see how I could benefit using their services.

First impression from a user who is not yet a client

December, 2015

Overall

Please provide a brief comment about your experience with Clayton

Fast efficient and friendly service with good advice....thanks!

First impression from a user who is not yet a client

November, 2015

Overall

Please provide a brief comment about your experience with Clayton

Very easy to talk. Gave objective information which enabled me to make an informed decision. Gave information with now requirement for on going commitment to providing him with business subsequently.

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Stirlingshire

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

Advice regarding auto-enrolment.

How has Clayton Cumming helped you?

Clayton worked very hard to find us a suitable pension for our circumstances & long term savings goals. He also found us far better life insurance policies than the banks had provided. Everything was set up reasonably quickly & we're definitely happy with the good service received from Clayton.

Have you seen the outcome you were hoping for?

The policies are ongoing.

What could they have done better?

Everything was superb

First impression from a user who is not yet a client

November, 2015

Overall

Please provide a brief comment about your experience with Clayton

Excellent service.

First impression from a user who is not yet a client

October, 2015

Overall

Please provide a brief comment about your experience with Clayton

Excellent service. Very flexible re appointments, advice and services required.

Review from verified client

September, 2015

Overall

Service

Advice

Value

Based in Lanarkshire

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

I am self employed with a Ltd company and wanted to set up a pension through the business.

How has Clayton Cumming helped you?

After discussing my current financial situation and what I was looking to achieve with my pension, we set up a pension fund.

Have you seen the outcome you were hoping for?

After two meetings with Clayton my pension fund was set up, it was very straight forward.

What could they have done better?

There were times when we read through pamphlets from the company which I felt I could have probably done in my own time, however I understand that these may be required from a legal perspective.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Ayrshire

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

needed help to put my finances in order.

How has Clayton Cumming helped you?

he pulled everything together and put everything in one basket.

Have you seen the outcome you were hoping for?

yes very happy.

What could they have done better?

he did everything I wanted and im pleased

Clayton's reply

Thanks for your kind words David.

Review from verified client

July, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

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

Change in circumstances, needed to consolidate a number of different pensions.

How has Clayton Cumming helped you?

Provided clear reasoned advice. He helped me organise my affairs and made a complex situation seem a lot simpler and clearer.

Have you seen the outcome you were hoping for?

Too early to say about the overall result but very pleased so far.

What could they have done better?

Really no complaints. In my limited experience Clayton provides an excellent service.

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Clayton

I found Clayton very helpful and professional.

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Clayton

Very punctual very accurate with information got back to us quickly information he had to check for us

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Clayton has always been professional and respectful, patiently listening and supporting me in different financial strategies from ordinary investment, through arranging my retirement and helping my subsequent house purchase to go through smoothly, even phoning me to make sure the money had come through the day before he left on his holiday. He has always given me good advice, sometimes pointing me in directions I was not sure of but everything has turned out well. I have recommended him to my brother also.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

It is always a little intimidating meeting a FA for the first time but Clayton put us at ease right from the outset. He was extremely professional with an excellent manner. Explained matters in layman terms and did not speak above our heads. After the initial consultation he came back with all the paperwork required to assist us for our retirement which is only months' away. Totally satisfied with his advice and his excellent service. We shall be seeing him again soon.

First impression from a user who is not yet a client

March, 2015

Overall

Please provide a brief comment about your experience with Clayton

Spoke with Clayton and decided that it would not be appropriate to progress further at this stage. But very friendly and professional and I may use his services in the future.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Clayton

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Clayton

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Clayton

Good honest and open service. Quick to get in contact through the vouched for web site and on future correspondence.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Clayton

Clayton was very forthcoming and engaging. I would like to use their services in the future.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Clayton

Friendly, professional and informative

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Clayton

I am in discussion with another IFA at present, recommended by a friend, but Clayton was great

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Clayton keeps me informed and up to date of any changes with regards to my investments. On several occasions Clayton has had meetings with myself outside office hours due to the nature of my work. Clayton goes through all the different options before I enter into anything and gives me time to come to a decision.

What could they have done better?

I do not have any constructive suggestions to make as I have always had a first class service from Clayton.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Set up bonds offering my husband and myself a monthly income Explained all aspects and implications of what we were signing in a simple and understandable way

What could they have done better?

Maybe make clear the upfront costs and any yearly costs if there should be any

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Clayton Cumming helped you?

I have known Clayton Cumming for at least two years now. I appreciate the personal attention he offers. He has introduced me, person to person, to a representative of a company of fund managers, and my savings and investments have been arranged into a portfolio that is personal to me and not as part of a general fund. I am satisfied to recommend Clayton's services.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Clayton arranges appointments to suit me, he is always punctual, and makes me feel comfortable when explaining matters.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

I was introduced to Clayton in 2013 after having a bad experience with another financial advisor. He took his time at the outset to build trust and always explains things clearly. He is independent and not tied to any bank or product which is important as I know his only bias is to look after my best interests. He is really upfront regarding costs of the investments and his costs. I would have no hesitation in recommending him to anyone. He is one of the good guys.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Keeping us up to date with any developments throughout the year and does an annual review to demonstrate how our investments are performing.

What could they have done better?

I feel what is offered is at very good and comprehensive level.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Clayton Cumming helped you?

Clayto spent a great deal of time asking us questions to ensure he fully understood out financial sitaution and our expectations for the years ahead. he used that information to devise a suitable plan for uour investments.

What could they have done better?

Nothing comes to mind.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Clayton Cumming helped you?

I approached Clayton having previously worked with him to look at Different levels of protection for myself and my partner as we recently had just purchased a house. He asked us various questions to make sure he was giving us a thorough level of advice. Asked what was important to us and our monthly budget. He came back with a few different recommendations and spoke through them all in great detail and gave us his recommendation. As we have absolute trust in Clayton as he is very thorough and really knowledgeable.

What could they have done better?

I really struggle to look for any faults with Clayton. He is very keen to help where ever he can and make sure all your financial needs are covered.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

I have dealt with Clayton for many years in which he has looked after all my financial needs, in particular he has managed my Pension. I am now in retirement and living a very comfortable lifestyle, thanks to the help of Clayton. Importantly he always explained complicated issues jargon free, so that I fully understood. As well as this I have referred him to many friends who have all been very happy with the service he provides.

Review from verified client

June, 2014

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

Clayton was introduced to me via a mutual friend and initially reviewed my portfolio of Investments. He has now been looking after these for the last 3 years and consistently updates me with what is happening and any changes he has implemented. Totally transparent and keeps me in the loop. My previous experience with another adviser was not so great so its been a breath of fresh air dealing with Clayton. I would recommend (and have) to any friends and family !

What could they have done better?

I just want you to keep up the good work !!

Review from verified client

June, 2014

Overall

Advice

Service

Value

Based in Renfrewshire

How has Clayton Cumming helped you?

Clayton is excellent at explaining complex information in a way I understand so I always feel confident in his decisions & recommendations. I have confidence in his advice which has served me well over the last 5 years. He has helped me think through options I have in relation to my overall finances, however specifically he helped me get my Pension planning back on track. I have no problem in recommending Clayton to my friends and colleagues who I also know have used his services and been very happy with his service

What could they have done better?

I couldn't think of anything that Clayton could do better as he has recommended very good products with reasonable fees, good potential and most importantly to me explained the potential risk as well as the benefits clearly without the financial jargon. I can only say Thank you and keep up the good work.

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in Argyll

How has Clayton Cumming helped you?

Clayton has proved to be very able and efficient in our dealings with him in regard to savings and investment planning. He has also demonstrated a flexibility in dealing with our specific circumstances I.e. Residing on a remote Scottish island where travel and communication can prove problematic. For example, Clayton flew to a neighbouring island for our initial meeting with him. (Summer 2013) To date, his financial recommendations are proving to meet our requirements.

What could they have done better?

Presently, we are pleased with the service we receive and cannot think of any obvious areas for improvement.

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

clayton has looked after my investments for a number of years and I have no problems in recommending him to others. he has always been very prof and helpful and contacts me on a regular basis to review my investments I also use him for advice on investments for my grandchildren

Review from verified client

January, 2014

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

On first meeting with Clayton, it was clear to us that Clayton took time to get to know our personal requirements, assessing our current financial status and accessing our objectives and goals. He gave us confidence with his knowledge and detailed written report he produced for us. I have had annual reviews and updates which has kept me up to date. Clayton has also been approachable at any time and quickly dealt with queries we have raised on unexpected requirements.

What could they have done better?

Nothing that comes to mind. Keep up the good work !

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

Clayton has provided me with ongoing advice over the years, specifically with my pension planning. The service and advice has been tremendous and I wouldn't hesitate in recommending his services ( as I have done ! ). I appreciate the updates and bi annual meetings to ensure my plans are on track. Keep up the good work.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

The service I receive from Clayton is excellent, he always takes the time to listen and he explains things in an easy to understand manner. He is very professional and shows a genuine interest in me which is very refreshing. I feel he has a good understanding of my needs and is able to suggest things that I would not have thought about previously.

What could they have done better?

As I have always been pleased with the way Clayton deals with me, I do not have any suggestions as to how he could improve, I believe he is very good at what he does and has a good knowledge and understanding of the financial services industry and what is on offer.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Clayton has given myself and my husband excellent financial advice over the past few years. He explains financial matters in a straightforward and easy to understand manner and has helped me consolidate my varied financial investments under one umbrella.I would not hesitate to recommend Clayton to anyone requiring solid financial advice.

What could they have done better?

At this stage I can think of nothing further that Clayton could do to better his service.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

Clayton has been handling my finances for the past 8 years, he was recommended to me by my business partner who was impressed by his level of service, knowledge of financial products and easy manner. I initially had very limited knowledge of what financial services were available to me but Clayton has explained in laymen's term how each worked and the pros and cons of each product.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Lanarkshire

How has Clayton Cumming helped you?

Clayton has a good understanding my attitude to risk and how I save and invest and has helped me to invest my money so that I am getting an income and also making money as well. He is giving me a very professional service with my finances, and his advice so far has been perfect for my needs.

What could they have done better?

Look into a crystal ball and let me know what the future holds.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Renfrewshire

How has Clayton Cumming helped you?

Clayton has a very honest approach and I therefore trust in his judgement 100% in a subject matter which confuses me! He has done very well for me over the years.

What could they have done better?

Not much to be honest.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

I have known Clayton for over 5 years now, I have found his advise to be fantastic, he is very knowledgable, friendly and easy to get along with, he explains things in a simple easy to understand manner, I would have no hesitation in recommending Clayton to anyone.

What could they have done better?

To be honest there is nothing Clayton could do better he answers all my queries and has done everything I have asked of him to a high standard and always exceeds my expectations.

Review from verified client

August, 2013

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

Clayton has provided my family with financial advice over the last 8 years and my parents referred to me to him as they were delighted with the service he provided. He went out of his way to provide advice on all aspects of our finances, explained the details of various solutions very patiently, thoroughly and clearly and we were very impressed with ClaytonÂ’s knowledge. Clayton was very easy to talk to and after acting on his advice it has now given us peace of mind that our finances are in good order. We would have absolutely no hesitation in recommending him.

What could they have done better?

Nothing comes to mind. All interactions with Clayton to date have been of the highest standard.

Review from verified client

August, 2013

Overall

Advice

Service

Value

Based in Dunbartonshire

How has Clayton Cumming helped you?

A great commicator and no jargon

What could they have done better?

Nothing as he was great