Reviewed for

Insurance and Protection ( 6 )

Mortgages ( 9 )

Pensions ( 15 )

Retirement income (annuities, drawdown) ( 5 )

Auto Enrolment ( 1 )

Investments and Savings ( 27 )

Pension Transfers - Non Specialist ( 2 )

Inheritance Planning ( 2 )

Reviewers' assets

£500k+ ( 9 )

£200k - £500k ( 3 )

£100k - £200k ( 5 )

£50k - 100k ( 2 )

Up to £50k ( 4 )

Client reviews

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Derbyshire

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

Investing an Inheritance, and planning my legacy for my family.

How has Stuart Carnall helped you?

Stuart explained the options clearly. He did not pressurise and explained everything patiently. He set up an investment portfolio which used various options to minimise liabilities and provide security. His advice has been invaluable, and has evolved through his measured and steady, considered approach. He also gave much help in setting up my will.

Have you seen the outcome you were hoping for?

I have been very pleased with the progress of my investments. I feel I am in safe and trustworthy hands.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in South Yorkshire

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

I have known Stuart professionally for many years and have recommended him to a number of clients - I am a solicitor - always with positive results. I also recommended Stuart to my wife and her sister in connection with the management of their mother’s finances. When l and my wife were looking to change our financial advisor due to the retirement of our existing advisor, We naturally thought of Stuart.

How has Stuart Carnall helped you?

Stuart reviewed our financial position, particularly in the light of our impending retirement, and was able to recommend a number of changes which have proven beneficial. He also dealt with the transfer of certain investments to my wife and our children following my mother-in-law’s death.

Have you seen the outcome you were hoping for?

Yes. My wife and I are both very happy with the investments as arranged with and through Stuart.

What could they have done better?

I’m not sure there is anything more I would have expected from Stuart in connection with our portfolio of investments.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Derbyshire

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

I had a final salary pension that had been deferred since it was closed in 2011.

How has Stuart Carnall helped you?

He spent a considerable amount of time explaining all the options available to me.

Have you seen the outcome you were hoping for?

Not yet as performance has been effected with the current volatility of world markets.

What could they have done better?

Pension planning is a difficult thing to get your head round for the average person so maybe some more visual aids may help.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Isle of Wight

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

I had money to invest after a house sale

How has Stuart Carnall helped you?

He gave me advice in line with my approach to risk, and arranged the investments for me.

Have you seen the outcome you were hoping for?

These are recent investments so it’s too early to say

What could they have done better?

He was friendly and welcoming and explained things in plain language.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Derbyshire

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

I was planning to retire in the next 12 months

How has Stuart Carnall helped you?

He went through everything with me and my with.He went through everything with us explaining my options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No I’ve been very happy

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Derbyshire

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

Dissatisfaction with service and advice from a major bank led me to look elsewhere.

How has Stuart Carnall helped you?

He looked at the service offered by the bank and produced a report showing how he would handle the same scenario. It was easier to understand, more efficient and cheaper. Instaed of dealing with assorted personnel based all over the country, I now deal with one person (and his son) who have an office in the nearest village and are always available at little or no notice.

Have you seen the outcome you were hoping for?

Yes - although a greater return would have been welcome - hardly Stuart's fault in the current circumstances!

What could they have done better?

Nothing I can think of. My wife moved her investments to him and he also provided mortgage advice for one of my sons all of which should indicate the level of satisfaction.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

I have now been involved with Stuart for a few years. Only recently have our meetings become more needed due to my time of life and current financial situation. He has without doubt helped get things organised and sorted so my financial outlook is much simpler and easier to see. And on the odd occasion when I needed help and advice at short notice he has always as usual been , honest , up front and understanding. It is nice to talk to someone who can take a level headed view of things and offer options for you to look at. Top man who has done a great job and always willing to chat and get things sorted, even if I have given him a few headaches .would not hesitate to recommend him. And he talks to you in plain straight forward English without all the jargon that sometimes gets a lot of people worried and confused.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Stuart

Interesting experience thankyou

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Stuart

ok with what he had to work with

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Stuart

He telephoned at an agreed time, we discussed an overview of options & charges and he will contact me again in 2015. Seemed very efficient.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

Although I am a very new client and have only been with Stuart for a few months, I have been impressed by his understanding of my financial situation, and his patience and thoroughness when explaining processes to me. He is very easy to talk to and made me feel welcome on the few occasions that I've been to see him.

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Stuart

A very friendly and relaxed meeting giving me an overview of what I need to start thinking about when ready to retire.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

We received very helpful advice just at a time where the mortgage rules had just changed. Knowing little about the Mortgages, Stuart advised us in a very easy to understand way, on all the possible options available to us and what documentation to arrange to give us the best chance and available deals. He and Adam then found us the best Mortgage available to us within a day, making the whole process extremely easy and stress free. I would definitely recommend the service. The fee was more than reasonable and great value for money considering we did not have to waste any time searching around or making our own applications only to be rejected, ultimately saving us money.

What could they have done better?

Honestly, I can't think of anything that I consider could have been done better. My house purchase has been stress free from start to finish thanks to Stuart and Adam.

First impression from a user who is not yet a client

November, 2014

Overall

Please provide a brief comment about your experience with Stuart

Helpful and knowledgable.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

I was very pleased with the service that I recieved. We had not previously had a mortgage and Stuart did very well in explaining all of the different terminology and explaining the mortgage process to us. I felt I was very well informed about all of the different options and his service was definately worth the money.

What could they have done better?

As we had not previously taken any financial advise I am unaware of any areas that Stuart or his team could do better.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

We approached Stuart after reading the great reviews with a view to help us make the most of our charities assets. He gave us sound investment advice all with an audit trail which is great for a charity. He understood the differing risks which we can take with different amounts of money and how to make the charity more tax efficient.

What could they have done better?

More advertising so people can find him easier!

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Stuart

Stuart's reply

Hi Ian Thank you for our meeting a couple of weeks ago. I always appreciate feedback on how i can improve my service, so if you have any areas in which i could improve, it would be much appreciated. Kind regards Stuart

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

I first went to meet with Stuart as a I needed to feel sure that I was making the best of my pension fund and investments. Having found the legislation and language of pensions unfathomable it was fantastic to have the options open to me explained clearly and concisely and without any pressure. Stuart highlighted one particular avenue to me which has made early retirement (previously a pipe dream) a reality. I would have no hesitation whatsoever in recommending Stuart's services to anyone else in similar circumstances.

What could they have done better?

I cannot think of any improvements Stuart can make to the service he offers.

First impression from a user who is not yet a client

May, 2014

Overall

Please provide a brief comment about your experience with Stuart

We originally contacted Stuart as we were not sure that we were unlocking the full potential of our pension and investments. Stuart has so far guided us through the minefield of pensions and hopefully as a result of Stuart's advise we find ourselves in a

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

My parents and I needed investment advice and we received extensive guidance and patient explanation of the recommended investments. The administration was carefully supervised and the final consultation was made in their home which was much easier for them. We have access to easy to track charts to monitor the investment which is reassuring. I would not hesitate to recommend Stuart Carnall

Review from verified client

March, 2014

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

I believe i received excellent advice at very fair rates. I looked elsewhere for financial advice but found Stuarts services to be better than others and the costs were comparable if not cheaper. It seems he gives the best of both worlds.

First impression from a user who is not yet a client

December, 2013

Overall

Please provide a brief comment about your experience with Stuart

Very helpful, clear explanations

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Avon

How has Stuart Carnall helped you?

I was introduced to Stuart by his son Adam after talking about the benefits of having an appropriate financial plan going forward and looking to retirement. I found the meetings very informative and i suddenly found an interest in financial matters where previously i had very little. I feel confident that my financial affairs are being looked after appropriately for me and i enjoy working with Stuart. I appreciate his honesty and tells me if something is not appropriate or not achievable.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

I am very glad I decided to visit Stuart Carnall after reading the many reviews of financial advisers on here. He immediately put me at ease and asked the questions he needed to understand my situation and he patiently explained everything to me. I filled in a questionnaire at home which covered everything about my financial and personal circumstances, then with my agreement Stuart found the best investments for me. I have secure access to details of these 24 hours a day online and already they are performing much better than the investments the bank recommended.

What could they have done better?

I can't think of anything Stuart could have done better. I am very satisfied with the service he has provided.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

I have known Stuart for a many years now and I decided to approach him for advice as a corporate and personal client. He is very patient and always lets me take my time with a decision. What I liked about his advice was that he never forced me to take an investment or financial product with him as he said to me 'you pay me for my advice, not products'. I am always happy to recommend Stuart to anyone who asks.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

After inheriting a decent sum of money, i was perplexed as to what to do with the money as i had no idea. I had approached a couple of advisers but after speaking with Stuart at Andrew Stuart & Company, i was dealt with quickly and efficiently and found the service he was offering for the cost was brilliant. I was impressed by how the money is being looked after and the systems in place that allow me to see exactly whats going on and every charge that either Stuart or the investment company take by my own website!

What could they have done better?

At the moment i honestly cannot think of anything.

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

We have had meetigs will Stuart whenever we have felt it necessary but he doesn't suggest meetings which we would feel unnecessary. Whenever I have contacted him with a problem he has taken it up & sorted it out even if the company he is dealing with seems a bit dilatory.He always treats you as intelligent & gives clear explanations.

What could they have done better?

Because our finances are in a settled state I really don't have any suggestions . This is not a get out.

First impression from a user who is not yet a client

October, 2013

Overall

Please provide a brief comment about your experience with Stuart

Excellent introductory meeting - good information and suggestions, and follow-up actions agreed.

Review from verified client

September, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

When i first approached Andrew Stuart & Co i was quite embarrassed by my financial situation, but i was put at ease and found that Mr Carnall was understanding towards my requirements, i was given very clear information that i could understand and wasn't rushed into making decisions. I wouldn't hesitate to approach Mr Carnall in the future as i felt i could trust his advice.

What could they have done better?

I really think more advertising for this company would work well, as more people are needing financial advice. Also if they were able to set up a second office in another area.

First impression from a user who is not yet a client

August, 2013

Overall

Please provide a brief comment about your experience with Stuart

gave us views as to our finacial circumstances & a step by step approach as to the areas that we need to concentrate on, all in a very relaxed manner & suggested ways we could work together to achieve our goals.

First impression from a user who is not yet a client

August, 2013

Overall

Please provide a brief comment about your experience with Stuart

Review from verified client

July, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

Having never required the services of a financial advIsor before, I read previous reviews of many IFA's. When I came across Stuart Carnall through the vouched for website, I was most impressed by others' reviews of his services and fees. Now that we have met him in person my husband and myself found Stuart to be friendly and approachable; he answered our questions fully and was happy to explain again if I didn't fully understand his explanations. Stuart also raised other factors that we hadn't thought of, that needed serious consideration. I would highly recommend Stuart to anyone who seeks the services of an IFA.

What could they have done better?

I cannot think of anything that he could do better.

First impression from a user who is not yet a client

June, 2013

Overall

Please provide a brief comment about your experience with Stuart

Very pleasant and professional manner. Explains things clearly and understands that he may need to explain things more than once...very patient.

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

We have been clients of Andrew Stuart and Company for a good many years and have always found them to be professional, helpful and good communicators. They have always kept their finger on the financial pulse. We have no reservations in recommending this Company. Mr & Mrs B Edwards.

First impression from a user who is not yet a client

May, 2013

Overall

Please provide a brief comment about your experience with Stuart

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

I have worked with Stuart Carnall for over 20 years as one of his personal and as one of his corporate clients. Stuart is a rare creature these days - a very decent, thoroughly professional, open and honest INDEPENDENT financial adviser with a wealth of knowledge and common sense, total integrity and a keen eye for detail. I am very happy to endorse Stuart without any hesitation whatsoever. He has patiently and thoroughly worked hard and helped me sort out a number of problems and issues created by other so called independent advisers ( and banks ) who I wouldn't use ever again. He charges much less than he could or should for his thorough detailed and well informed services and he has my total respect and admiration. Having saved me money and reduced financial riskj for my family and my company in what have been tough trading conditions in recent years I most heartily recommend Stuart's excellent service and his small hard working team based in Hathersage. I have often recommended Stuart's services to close friends and other businesses in and around Sheffield and the Hope Valley and have always heard afterwards he's looked after them as well as me. Dr. Iain Jennings FRGS Chartered FCIPD, Managing Director, Peak Activities Limited, Hathersage, S32 1DD. http://www.iain.co.uk

What could they have done better?

Stuart might charge me more than he does ( but don't tell him I said that ). He always puts in a lot of painstaking and thorough work before making any recommendations. Stuart's advice is valuable and helped me out no end on many occasions. He is a great communicator. My wife and I trust him completely.

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

Stuart Carnall has been my adviser since 1999 and over that time has given me excelllent guidance and advice. He has helped me to improve my financial situation with regard to savings, mortgages and pensions, each time listening to my concerns and suggesting strategies and solutions to meet my current and future needs. I have found him always to be very honest and trustworthy and over the years he has become more of a family friend. I would highly recommend him to anybody.

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

Stuart educated me on different types of investment and what is suitable to me, and also explained how a market down turn isn't always a bad thing for me at my age, could be more of an opportunity

What could they have done better?

Sorry, can't really think of anything

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in West Yorkshire

How has Stuart Carnall helped you?

Even though we do not live near Stuart, we have continued to get our financial advice from him as we have always been dealt with swiftly and we believe we always get the best advice for us. We have a few very complicated areas which he looks after for us and hope to continue benefitting from all his help.

First impression from a user who is not yet a client

April, 2013

Overall

Please provide a brief comment about your experience with Stuart

Review from verified client

March, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

Goes through things very slowly with minimal jargon. Does not mind if I ask stupid questions. Does not carry on past my saturation point , even though he is paid by the hour.

Review from verified client

March, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

My wife and I have been clients of Stuart's for many years now, and after the financial crisis we were very wary of our investments but decided to just stick with them. After numerous letters saying that there may be a better place for our investments seeing as the financial world has changed so much, we agreed to meet with Stuart again and since then we have realised that we should have responded to his letters years ago and done something sooner. We are very happy with all the advice he has given us over the years and we just wish that we had responded to Stuart the first time he contacted us

Review from verified client

March, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

After having been left a legacy by my parents, I came to Stuart for advice on how best to invest this money. As I had no previous experience of investing a lump sum, I was totally reliant on StuartÂ’s expertise and knowledge in this area and found him to be very helpful. My options were explained to me in terms that I could easily understand and I felt I could absolutely trust him in his recommendation. I have been very satisfied with the growth of my investment so far on the True Potential Wealth Platform and would have no hesitation in recommending this Company.

Review from verified client

March, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

As a young investor looking to start a fund for my retirement, I contacted stuart to basically guide me and educate me in my options. He is very knowlegable and always took the time to make sure I understood everything.

Review from verified client

February, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

I have found the services you provide to be professional and carried out with clarity much appreciated. I trust our relationship will continue in the same good working relationship.

Review from verified client

February, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

Over the past 18 months, Stuart has maintained regular contact where necessary, and has always been available, either by phone or in person, to answer my queries and concerns. I have found that his enthusiasm, knowledge and all-round helpfulness have certainly motivated me to follow my investment on the True Potential Platform and take a keen interest in financial matters generally, where little interest lay before. I am completely satisfied with StuartÂ’s management of my investment, and would have absolutely no hesitation in recommending his services to others.

Review from verified client

February, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

We have dealt with Andrew Stuart & Company for the last eight years. During that time, StuartÂ’s advice has always been carefully tailored to our personal circumstances and needs. Meetings are professional yet friendly. We have always had the feeling of competence and integrity, allied with the personal touch. We hope our successful association will continue for many years.

What could they have done better?

The office is quite a bit out of sheffield but is in a beautiful place so we don't mind the drive

Review from verified client

February, 2013

Overall

Advice

Service

Value

Based in Derbyshire

How has Stuart Carnall helped you?

As a novice investor and just recieving some inheritance, i wasnt sure which was the best way to go forward with the money. But after a few very comfortable meeting, Stuart gave me a brilliant plan and made everything so simple to understand and always made me feel at ease. The team always seemed happy and made me feel like i was important. His charges are very acceptable compared to others when shopping around and wouldn't hesitate to recommend his services

What could they have done better?

Can't think of much - maybe chocolate in meetings

Review from verified client

January, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

I had differant option to choose from with guidence to the best for me.

What could they have done better?

Nothing spot on.

Review from verified client

January, 2013

Overall

Advice

Service

Value

Based in South Yorkshire

How has Stuart Carnall helped you?

He profiled my circumstances in depth and researches my needs often giving me multiple choices of the product or service we discussed. His integrity was obvious from first meeting and I know that I receive an honest and professional service.

What could they have done better?

Can't think of anything - other than providing Green tea to drink at our meetings!