Paul Clifford

Osborne Financial Services Ltd

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Overall

4.8

Advice

4.8

Service

4.8

Value

4.7

From 52 reviews

Paul's Average Client

Savings
£50-100k
Been a Client For
4 Years
Age
54
  • Advice
    Service
    Value

    5.0

    I found Paul extremely tolerant of my ignorance of such matters. He explained, in great detail, His advice leaving me feeling very confidant that I could trust his advice

    patricia, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul is very approachable and always gives me thorough explanations to my investments.

    Lorraine, East Sussex, Head of Lingerie Direct

  • Advice
    Service
    Value

    5.0

    Myself and my wife have used Paul's services for a number of years. He is extremely helpful, explains everything very clear, easy to get hold of, no matter what time the day. He gave us a nuber of alternative options and talked through the best plan for our family. Paul is very friendly and extremely good a what he does, I would recommend his services to anyone.

    What could your adviser do better?
    Can not fault the service we were provided

    Ceri, East Sussex, plasterer

  • Advice
    Service
    Value

    5.0

    Paul was engaging and most professional and seemed to offer a down to earth well informed view on the subject matter and his level of knowledge around investments was excellent.

    What could your adviser do better?
    The advice and service received was as expected very happy with the whole process from Paul and supporting staff members

    Charlotte, London

  • Advice
    Service
    Value

    4.3

    Puts client first,listens to requirements and needs without interruption and then considers the best way forward to match the clients needs.

    Bob, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul is extemely easy to talk to and was quick to understand our situation. He responds to every enquiry within 24hrs and as well as recommending a suitable and achievable mortage for our needs, he has also followed and done everything he can to support the application from start to finish with great efficiency.

    What could your adviser do better?
    Nothing

    Annabel, Surrey

  • Advice
    Service
    Value

    5.0

    Paul found us the best solution for our house purchase. He has also given us well informed and helpful knowledge for tax planning.

    Martin, East Sussex, Horticulturalist

  • Advice
    Service
    Value

    4.0

    BEING OF AN OLDER GENERATION - PAUL UNDERSTANDS THIS AND TAKES HIS TIME TO EXPLAIN THINGS IN SIMPLE TERMS TO US. HOME VISITS ARE NO PROBLEM TO HIM.

    anthony, East Sussex

  • Advice
    Service
    Value

    5.0

    In all areas Paul has helped us with he has been extremely knowledgeable and I feel confident that he is offering the best products for our needs. His customer service is excellent.

    Kate Dighton, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul is friendly and so helpful. He explains well. He is more like dealing with a friend than a business person. When you leave the meeting you are fully aware of everything you need to know.

    What could your adviser do better?
    I cannot think of anything that Paul could do better than he already does.

    Richard, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul is upfront and honest about the information given

    What could your adviser do better?
    So far everything is going to plan

    Terry Green, Kent, hotelier

  • Advice
    Service
    Value

    4.7

    Paul was very helpful and honest regarding any benefits that I will get from the pension plan I have, and any tax benefits which could be helpful to myself regarding future decisions on investments.
    He also stated to me any benefits I may have regarding equity release plans in the future.


    What could your adviser do better?
    As I am very new to reaching retirement age and very ignorant regarding what to do with my pot of money I felt very confident with advice given to me by Paul and feel sure he will give me very sound advice in the future.
    At present I do not feel Paul could give me any better service as he is giving me great service at this present time.

    roger, East Sussex, hgv truck driver

  • Advice
    Service
    Value

    4.3

    I was extremely impressed with Paul's honesty and in-depth advice considering this was a free of charge introductory meeting. I would happily recommend him based on my experience.

    Martin, East Sussex

  • Advice
    Service
    Value

    5.0

    The level of service was excellent, and time was spent searching for the most appropriate and affordable products.

    David, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul is highly professional and well informed. He is very efficient and takes all the worry out of financial planning by giving clear options to aid our decision making and then taking forward associated actions promptly, keeping us informed at all times. He is very focussed on tailoring his advice to suit us based on our aspirations for the future - he clearly does not believe in a one size fits all which is a great asset in your financial planning advisor.

    What could your adviser do better?
    Cannot actually think of anything Paul could do better!

    Sinéad, East Sussex

  • Advice
    Service
    Value

    5.0

    We required advice on finding the best value on buying the best pension with the pot that was available.Our adviser was very thorough and talked us through the options that were available to us.Althouth the amount was small,we were not made to feel that our requirements were any less important than someone with a large amount.We were kept informed all the way through the process.If we require financial advice in the future,we wouldn't hesitate to use to use this company again.

    Pat, East Sussex

  • Advice
    Service
    Value

    4.7

    I would thoroughly recommend Paul Clifford to anyone who is looking for help with investments. He is a very likeable person, who cares not only about the best options open to you, but he also cares for his clients personally. Therefore, he is just as much a friend as he is an IFA. Paul is a very thorough person in all he does, and goes out of his way to help you in whatever way he can. So if you need help in financial matters, does hesitate to contact Paul.



    What could your adviser do better?
    Sometimes there is a little difficulty in understanding what Paul is communicating to me, therefore I have to ask him to slow down to clarify, so that I fully understand. This is just as I find anything new difficult to understand first hand.

    Richard, East Sussex, Care support Worker

  • Advice
    Service
    Value

    4.0

    Paul offers a personalised service based on my needs and my attitude to risk, without any pressure, but with knowledge and competence which is obviously reassuring as a newcomer to investing.

    Bernadette, London

  • Advice
    Service
    Value

    5.0

    From the first time I met Paul I was delighted that my friend had recommended him. Although I live a fair distance away from where Paul is based, all meetings were held at my convenience, and Paul did all the travelling, which was most appreciated. His financial knowledge and expertise was totally reassuring, and I felt everything he advised was for my own benefit/affordability, and never in his own interests. Communications are always swift, frequent, and this is done until plans/finances are sorted all the way through. AND, he's a nice guy to boot!

    What could your adviser do better?
    I am totally happy with the service I receive consistantly from Paul, and have nothing to add to this section

    David, Kent

  • Advice
    Service
    Value

    5.0

    He come across a very genuine person and efficient

    What could your adviser do better?
    NR

    George, East Sussex

  • Advice
    Service
    Value

    4.7

    looks after my financial interests very well

    REG, Cambridgeshire

  • Advice
    Service
    Value

    5.0

    Paul is a very professional dedicated advisor who seems to know the market extremely well. He has a broad knowledge and is able to link together different aspects of financial planning which other advisors may not. He seems to have endless enthusiasm for the subject which is helpful as he keeps an close eye on trends and market conditions.

    What could your adviser do better?
    He can be almost too enthusiastic at times.

    Simon, East Sussex, Painter and Decorator

  • Advice
    Service
    Value

    5.0

    I have always felt condfident in Paul identifying the best product for my needs. He takes into consideration all factors and talks in clear language as to what options are available so that I can make an informed decision and feel that it is the right decision for me. I have also received comments from my bank trying to sell me life assurance etc that the protection I have, which includes critical illness, is actually the best on the market and they cannot compete with that. Something which goes a long way in what can be a very confusing choice to make.

    What could your adviser do better?
    Nothing I can think of. He will make himself available to meet your needs and take the time to explain every detail.

    Samantha, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul regularly updated us with what was happening with the mortgage. He was always happy to help and answered any questions we had quickly and effeciently.

    Sarah, East Sussex

  • Advice
    Service
    Value

    4.0

    Paul has been our adviser for just a year and the service he has given is straightforward no nonsense advice. He is very approachable and if unavailable to take a phone call we know he will reply as soon as possible.
    With our investments he has given us all the options and his judgement has been sound.

    David, East Sussex

  • Advice
    Service
    Value

    5.0

    Keeps in touch and up to date with what is happening. Always available to come and see me.

    What could your adviser do better?
    Can't think of anything he could do better. He certainly suits my needs.

    Janet, West Sussex

  • Advice
    Service
    Value

    5.0

    Professional and thorough.

    Michael, Kent

  • Advice
    Service
    Value

    5.0

    The first thing i noticed was his local knowledge and experience within the finance industry. He seemed to be able to advise and direct us towards financial institutes such as banks/building/societies,Plus solicitors. His knowledge also stretched further afield to the city.
    Another aspect of the service i received was constant updates from either himself or his colleague who was also super efficient, there is nothing worse than being left waiting for answers and feedback when your life savings and everything you have worked for is at stake. The situation my wife and i was in was complex financially and otherwise, Mr Clifford wasn't phased at any point and endeavoured to pull out all stops to complete his task of financing and saving the situation that could have had a very different outcome. I cannot praise his skills enough.

    What could your adviser do better?
    zero

    michael, East Sussex

  • Advice
    Service
    Value

    4.0

    Ready to listen to specific problems and put forward practical solutions.

    Peter, East Sussex

  • Advice
    Service
    Value

    5.0

    Patient .. Understood what we required.
    Found a solution and explained it all in detail!
    Several times :-)

    What could your adviser do better?

    Jo&Andy, East Sussex

  • Advice
    Service
    Value

    5.0

    Paul is very professional and approachable, very tenacious in sourcing the best financial products to suit me and is always keen to outline in detail the pros and cons of any product in a way that is easily understandable, exactly the level of service I want from a financial adviser...

    David, East Sussex

  • Advice
    Service
    Value

    5.0

    Very good advice sound knowledge a pleasure to deal with recommended

    Justin, East Sussex, Sole trader

  • Advice
    Service
    Value

    4.7

    very personable and likes to build a long relationship with the client. not a "hard sell person". cares about the client and their needs rather than just making a fast buck!

    What could your adviser do better?
    needs to talk slower and sometime slips into jargon which may not be readily understood.

    Nigel, Rutland

  • Advice
    Service
    Value

    5.0

    Thorough explanation and detailed advice.

    What could your adviser do better?
    Service is satisfactory.

    Jonathan, East Sussex, Solicitor

  • Advice
    Service
    Value

    4.7

    Explaining things very clearly and and giving options for the making of informed choices
    Offering good advice to be considered
    Affirmation of personal existing good investments made
    Communication and time is considered and generous
    Polite and professionally friendly

    What could your adviser do better?
    Some delays experienced in getting back information from queries followed up. Not always in the Advisor's control.

    Camilla, East Sussex, Psychotherapist

  • Advice
    Service
    Value

    5.0

    HE HAS HELPED ME TO RE DIRECT MY FINANCE ATTITUDE AND RE INVESTMENTS .HE WAS UNLIKE ANY OTHER ADVISORS TO PUSH ME TOO FAR. HE HAS ALWAYS GIVEN ME TIME TO THINK AND REFLECT ON ANY DECISIONS OR RECOMMENDATIONS. VERY POLITE FRIENDLY AND PROFESSIONAL

    KIA, East Sussex, BUSINESS OWNER

  • Advice
    Service
    Value

    5.0

    Paul set up our mortgage offer and all was ready to go with the chosen lender. He arrived on time, as arranged and announced that he had found a more appropriate lender with a better rate, had already switched the application and got it approved. This saved us an enormous amount of money and meant we didn't need to continually switch lender every few years saving our time and removing application fees.

    All of that was over and above our expectations and whats more he did it to make sure we got the best possible advice and deal available.

    I have not hesitation in recomending Paul for all of your financial needs.

    Paul, East Sussex, Business Intermediary

  • Advice
    Service
    Value

    5.0

    i WOULD HAPPILY VOUCH FOR PAUL AND RECOMEND MY FAMILY/FRIENDS TO HIM. HE WAS UNDERSTANDING OF MY PARTICULAR NEEDS/ISSUE AND PROVIDRD THE WHAT I FELT TO BE A HELPFUL SOLUTION

    Alex, East Sussex, ESTATE AGENT

  • Advice
    Service
    Value

    4.7

    To date, Mr Clifford has patiently and thoroughly researched the most suitable options for my modest pension funds and I feel confident that he has genuinely done his best for me. He has communicated effectively with me and I would certainly vouch for him at the moment. Only time will tell whether or not his advice was accurate. It deserves to be.

    Roraidh Scott, Kent, Bookkeeper

  • Advice
    Service
    Value

    5.0

    Top man - got me a great mortgage deal

    Richard, Cornwall

  • Advice
    Service
    Value

    3.0

    Paul understood my financial situation and had me fill in a questionnaire to find out my attitude to risk so he coud plan which investments would be best for me.
    I have not been with him long enough for him to be able to comment on the quality of the service.
    I needed some money out immediately & he got it for me ensuring no tax liability.
    He has been in touch regularly to keep me up to date on what he is doing.

    Vicky, London, Nursery Nurse

  • Advice
    Service
    Value

    5.0

    we have had over the years from the late 80's onwards a variety of financial advisors for various stages of our careers as University Lecturers, mostly to do with mortgages and savings. We came to Paul clifford late on and he has been the best and most sympathetic and practical advisor from all of the four advisors we have had. He was particularly good on pensions and retirement advice

    Peter, East Sussex, Principal Lecturer

  • Advice
    Service
    Value

    5.0

    Paul provide a straightforward no nonesense approach to financial planning.An honest appraisal of risk versus age and all likelihoods examined in a sensible way.I like the way and can call Paul any time with a question and more formal sessions planned throughtout the coming years.Efficient and professional.

    Chris, East Sussex

  • Advice
    Service
    Value

    5.0

    Very professional. Discussed situation thoroughly and found out what level of risk I was prepared to take.
    Explained things clearly.
    Always at the end of an email for help.

    Jane, Kent

  • Advice
    Service
    Value

    4.3

    Paul gave me clear, sound advice explaining complex information in a way that I could understand. After a year I have seen a return on my investments which is quite something in the current economic climate!

    Penny, Kent, Sales Co-Ordinator

  • Advice
    Service
    Value

    5.0

    My wife and I found Paul Clifford to be a fund of knowledge. He helped us to secure the financial package we were seeking with the minimum of fuss. His expert advice guided us to a entirely satisfactory result. We were left with a very good impression of Paul and will definitely use his skills again in the future.

    Tony, East Sussex, Writer

  • Advice
    Service
    Value

    5.0

    Residential , buy to let and business protection

    Ruth, East Sussex

  • Advice
    Service
    Value

    4.0

    Paul provided us with a summary of our financial position in plain English and guided us through a variety of possible solutions. My partner and found Paul very easy to talk to and outlined the pros and cons of each of the options presented to us.

    My partner and I would certainly recommend Paul to anyone seeking advice on restructuring their finances.

    Paul, East Sussex, Physiotherapist

  • Advice
    Service
    Value

    5.0

    Paul is a pragmatic, advisor keen to see what is available and what he can do for his clients. As well as offering 1:1 guidance and advice, I also engaged Paul to come into the Company where I work to be on hand to offer advice to employees (of which we have over 1000). Everyone that took the opportunity to meet with Paul commented on how helpful, friendly and useful his advice was and would definately recommend him to others

    Lisa, East Sussex

  • Advice
    Service
    Value

    5.0

    I would vouch for Paul Clifford. He fully explained to me the pros and cons of Equity Release including the checks that are in place for my protection. He was most helpful when a slight difficulty arose with my legal advisor, enabling it be sorted out quickly.

    Patricia, London

  • Advice
    Service
    Value

    5.0

    Paul was very knowledgeable and efficient and helped us get a new mortgage very quickly. I would definitely recommend him and he is happy to travel to meet you and meet after work hours. We will be using him again.

    Maria, East Sussex, Bookkeeper

  • Advice
    Service
    Value

    5.0

    Paul is friendly and professional. We didn't feel pressured in any way and he found us a mortgage when others had failed over many years

    Peter, East Sussex, Group Academic Director

  • First Impressions from VouchedFor users who contacted Paul

  • Initial Rating


    very polite and helpful and will use again

    claire

      

  • Initial Rating


    Great

    miriam

      

  • Initial Rating


    Really helpful practical tips. Thx Paul

    Alexis

      

  • Initial Rating


    It was a short meeting so its not possible to give an acurate comment.The short time that I discussed my problem was addressed honestly and acurately.

    Rohit

      

  • Initial Rating


    Paul came around to our house and gave us a comprehensive overview of his services and listened to our financial goals. He gave us very good inital key points to think about on how to achieve these goals and I am sure we will be in contact with him on getting further advice on how to achieve them.

    Gisela

      
  • Paul's Clients

    Savings Average = £50-100k

    Under £20k
    £20-50k
    £50-100k
    £100-200k
    £200-300k
    £300-500k
    £2m-5m
  • Clients' Financial Expertise

    Very High
    High
    Average
    Low
  • Age

    Average = 54

    <30
    30-40
    40-50
    50-60
    60-70
    70+
  • Occupation

    Executive
    Professional
    Business Owner
    Administrative
    Manual
    Not employed
    Retired
    Other
  • Time as a Client (Yrs)

    2-3
    3-5
    5-10
    10+
Disclaimer: Compliance Statement Osborne Financial Services ltd is an appointed representative of Sesame which is authorised and regulated by the Financial Services Authority. Please remember your home may be repossessed if you do not keep up repayments on your mortgage. We give clients the option to pay for mortgage advice by fee rather than commission. The level of fees for mortgage advice will vary according to individual circumstances, but will typically be £750 Equity Release refers to home reversion plans and lifetime mortgages. To understand the features and risks, ask for a personalised illustration. Any advice provided in the following areas is not regulated by the Financial Services Authority: Buy to Let Will Writing Services


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