Reviewed for
Insurance and Protection ( 40 )
Mortgages ( 54 )
Pensions ( 54 )
Equity Release ( 2 )
Retirement income (annuities, drawdown) ( 11 )
Auto Enrolment ( 1 )
Investments and Savings ( 35 )
Pension Transfers - Non Specialist ( 13 )
Inheritance Planning ( 3 )
Pension Transfers - Specialist ( 6 )
Financial Planning ( 1 )
Reviewers' assets
£500k+ ( 2 )
£200k - £500k ( 4 )
£100k - £200k ( 4 )
£50k - 100k ( 10 )
( 1 )
Up to £50k ( 28 )
Client reviews
Review from verified client
April, 2023
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Morgage - First time buyer
How has Spencer Clifton helped you?
Mortgages - Spencer’s communication was first class, clear and precise. He was always there to answer the phone whenever we wanted to ask questions - absolutely brilliant!
Have you seen the outcome you were hoping for?
Yes very much so.
What could they have done better?
Nothing.
Spencer's reply
Thanks for your kind review
Review from verified client
April, 2023
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
First time Buyers - Mortgages
How has Spencer Clifton helped you?
Spencer has provided excellent service to us, he explained the different principles of getting a mortgage and how it works. He gave us quotes of different mortgage rates and what the best long term plan would be.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Spencer's reply
It was a pleasure helping you purchase your first home, all the best !
Review from verified client
January, 2023
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
decided needed a financial health check
How has Spencer Clifton helped you?
transfer of Pensions and new saving schemes.
Have you seen the outcome you were hoping for?
Yes they are longer term investments
Spencer's reply
Thanks Simon and Happy New year!!1
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
We needed to find a mortgage deal as our existing deal had run out some time ago. With interest rates on the up we needed to find a good deal.
How has Spencer Clifton helped you?
Spencer visited us & with the information we provided him he gave us plenty of mortgage options. We chose a deal that suited us & Spencer kept us informed throughout the application process updating us as & when.
Have you seen the outcome you were hoping for?
Our new mortgage deal is done & we are happy.
What could they have done better?
He couldn't of done any better!! The whole remortgage experience was great..I wish we had done it earlier.
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Our Mortgage was coming to the end of its fixed term, and as Spencer has always looked after mine and my parent’s financial matters , there was nobody else I would turn to.
How has Spencer Clifton helped you?
Spencer provided excellent advice and discussed all the options available at the time, which made the decision and process very easy.
Have you seen the outcome you were hoping for?
the outcome was excellent and was one of the best deals around at the time.
What could they have done better?
Nothing - excellent service that I have come to expect.
Spencer's reply
Thanks Paul, have a great xmas
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Needed a new deal on a mortgage due to fixed term coming to an end
How has Spencer Clifton helped you?
Spencer found a great deal for us on a fixed term mortgage. Also had a look at our current insurance policies and advised us on how we could save money
Have you seen the outcome you were hoping for?
Yes, very happy
What could they have done better?
Nothing, everything was what we were hoping for.
Spencer's reply
Cheers for the kind review, hope you have a great Xmas
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I have known Spencer since he was a teenager, when he first started out in insurance and have trusted his advice over many years, as have my parents before me.
How has Spencer Clifton helped you?
House insurance, pension, investments.
Have you seen the outcome you were hoping for?
most definitely
What could they have done better?
Nothing that I can think of
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Originally for financial advise on pensions
How has Spencer Clifton helped you?
Spencer is very professional and finds the best product that fits our circumstances.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing, very professionally and trustworthy
Spencer's reply
Cheers Warren, hope you all have a great Xmas
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Have retired needed a small income
How has Spencer Clifton helped you?
He sorted everything out
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Spencer's reply
Thanks Andy, have a great xmas
Review from verified client
December, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Didn't know much about pensions and needed sound professional advice
How has Spencer Clifton helped you?
Spencer has always been very professional and has given me sound financial advice.
Have you seen the outcome you were hoping for?
Yes, very pleased
What could they have done better?
Nothing
Spencer's reply
Thanks Gary for your kind review
Review from verified client
February, 2022
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Struggling with pension issues and best way to save
How has Spencer Clifton helped you?
Resolved tricky issues and gave good advice
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
nothing - all good.
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Discovery of forgotten pensions
How has Spencer Clifton helped you?
Put all pensions in 1 place
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Spencer's reply
Thanks for the review Paul and a happy new year
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in Worcestershire
What were the circumstances that caused you to initially look for an adviser?
I was looking for a health insurance for myself and my family
How has Spencer Clifton helped you?
He gave me various options
Have you seen the outcome you were hoping for?
Yes
Spencer's reply
No worries and thank for the kind review and happy new year to your family
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Retirement
How has Spencer Clifton helped you?
Helped transfer several pension pots into one
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Spencer's reply
thanks for the review Ken and UTV
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in Worcestershire
What were the circumstances that caused you to initially look for an adviser?
The terms of our current mortgage were coming to an end and we also wanted to consolidate our health insurance
How has Spencer Clifton helped you?
The terms of our current mortgage were coming to an end and we also wanted to consolidate our health insurance
Have you seen the outcome you were hoping for?
Spencer was very clear and concise in his advice not at all pushy and gave us very good guidance to our new mortgage and health insurance
What could they have done better?
Spencer was very clear and concise in his advice not at all pushy and gave us very good guidance to our new mortgage and health insurance
Spencer's reply
Thanks Julie and definitely catch up with you in the new year for a review
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I have known and used Spencer's services for over 20 year's with him advising and looking after my pensions.
How has Spencer Clifton helped you?
Spencer has reviewed and advised on my pensions so that they are most likely to perform at there optimum at a level of risk that as an individual I am comfortable with.
Have you seen the outcome you were hoping for?
All outcomes have been positive with the investments.
What could they have done better?
He has so far not made me a multi-millionaire but we live in hope, other than that top service.
Spencer's reply
Thanks Lee and hope to speak to you soon in the new year
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Buying a house
How has Spencer Clifton helped you?
Yes he was excellent
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing
Spencer's reply
cheers Chris
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
We were buying our first home and we asked Spencer to help us
How has Spencer Clifton helped you?
Spencer advised us of what mortgage we could afford and then helped us to apply for a mortgage what we were happy with. He also advised us with health insurance and provided us with the information to choose a health insurance that would cover our needs. When our mortgage is due for renewal Spencer is always ready and happy to help.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
N/A
Spencer's reply
Thanks Becky, and have a great xmas
Review from verified client
December, 2021
Overall
Service
Value
Advice
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I was made redundant in 2020 and needed advice about what to do with my private pension and the best way to transfer it to a secure pension providers, Spencer came highly recommended to me by a very nice and trusted friend, and I was pleasantly surprised how efficient, friendly and helpful he is and would recommend him to any other member of my family and friends.
How has Spencer Clifton helped you?
He talk me through which pension was the best one for me, and the best way to invest it
Have you seen the outcome you were hoping for?
It is early days but I am hoping it will be a good outcome on my investment
What could they have done better?
Nothing I can put my finger on
Spencer's reply
Thanks for your lovely review and hope this may continue for a long time in the future
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Needed someone to advise me of a second mortgage.
How has Spencer Clifton helped you?
Through a friend
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing, very professional
Spencer's reply
Cheers Paul for the great review
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Setting up a private pension
How has Spencer Clifton helped you?
Helped me understand how and when to pay into pension
Have you seen the outcome you were hoping for?
Yes
Spencer's reply
cheers Sam
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Fixed term mortgage coming to an end & wanted advice on best products available.
How has Spencer Clifton helped you?
Searched products and presented a number of options to meet my needs.
Have you seen the outcome you were hoping for?
Absolutely
What could they have done better?
Nothing
Spencer's reply
Thanks for the kind review Trudie
Review from verified client
December, 2021
Overall
Advice
Service
Value
Based in Worcestershire
What were the circumstances that caused you to initially look for an adviser?
Advancing my financial return
How has Spencer Clifton helped you?
Better Pension and overall finance strategy
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Been more pushy on risks.
Spencer's reply
Thanks Richard and i sure we can have a good look at the funds when we meet up again
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in Staffordshire
What were the circumstances that caused you to initially look for an adviser?
I had been made redundant and started my own business as well as working part time for another company. I wanted advice on my existing pension and to start making contributions to the fund again.
How has Spencer Clifton helped you?
Spencer looked at various options vs the scheme I was already in. On his advice I moved my pension to a new scheme with LV.
Have you seen the outcome you were hoping for?
Yes, so far the fund has worked well, particularly in these challenging times.
What could they have done better?
For me, nothing. He was extremely helpful and sorted everything for me. Nothing was too much trouble.
Spencer's reply
Thanks Chris, really appreciate it
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Looking to transfer work pension into a private fund
How has Spencer Clifton helped you?
Very helpful. Explained everything into words I could understand and nothing was too much trouble.
Have you seen the outcome you were hoping for?
Yea very much
What could they have done better?
Nothing
Spencer's reply
Thanks Janet for you kind review
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Was looking to transfer work pension to private pension
How has Spencer Clifton helped you?
Transfer all pensions to one and set up my pension income
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
None
Spencer's reply
Cheers Denise and look forward to meeting up in 2021
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in Warwickshire
What were the circumstances that caused you to initially look for an adviser?
To review my personal finances to ensure i am well placed for retirement
How has Spencer Clifton helped you?
Provided financial advice on my current pension arrangements and options to improve my situation ongoing
Have you seen the outcome you were hoping for?
Yes, consolidation of my options into a more sensible package which will allow me to plan responsibly now and in the future - very pleased
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I was buying my first home and life insurance
How has Spencer Clifton helped you?
Spencer gave me great independent advice on mortgages and life insurance and made buying my first home extremely easy and stress free
Have you seen the outcome you were hoping for?
Yes absolutely
What could they have done better?
Nothing Spencer helped me where ever needed
Spencer's reply
Cheers Georgie
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Pension information
How has Spencer Clifton helped you?
Spencer helped me with my pension ,mortgage and all insurances an covers needed for my mortgage an house
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I think he did his best
Spencer's reply
Thanks Mark
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
My pension had matured didnt want to take Spencer sorted new pension company now it still working for me till I require it
How has Spencer Clifton helped you?
My pension had matured didnt want to take Spencer sorted new pension company now it still working for me till I require it
Have you seen the outcome you were hoping for?
Not as yet only been 6 months
What could they have done better?
I dont think there was any thing else that Spencer could have done I think he done the best possible
Spencer's reply
Thanks Ray
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I originally looked for a financial adviser for mortgage advice and Spencer was recommended to me by a friend.
How has Spencer Clifton helped you?
I have used Spencer for over 5 years to advise on current and old mortgages and also on insurance policies and pensions.
Have you seen the outcome you were hoping for?
Spencer has always delivered on what we spoke about and i have always been happy with his service.
What could they have done better?
There is no aspect of what Spencer has done for me that he could do better, this is why i recommend him to friends and family.
Spencer's reply
That’s Chris and hope you have a great Xmas
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Pension and savings advice
How has Spencer Clifton helped you?
Offered some suggestions to utilise savings I had more fruitfully
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Happy with advice given
Spencer's reply
Thanks Nigel for your kind review, speak soon
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Redundancy payment and retirement.
How has Spencer Clifton helped you?
Reviewed my requirements and personal circumstances considering my future aspirations, explaining everything in a way I could understand.
Have you seen the outcome you were hoping for?
Yes at present, I am pleased with the outcomes.
What could they have done better?
I can’t think of anything that could have been done better.
Spencer's reply
Hi Teresa, thanks very much for the review
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
My partner recommended Spencer
How has Spencer Clifton helped you?
He has given me quality advice on my pension and savings
Have you seen the outcome you were hoping for?
Exceeded my expectations
What could they have done better?
I am very satisfied with the service I have received
Spencer's reply
thanks Mark for your review
Review from verified client
December, 2020
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Support in buying my first home
How has Spencer Clifton helped you?
1.1 support when needed at any time
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I cannot compare Spencer to anyone but I would return back to Spencer and very positive experience
Spencer's reply
Thanks Katie for that kind review
Review from verified client
December, 2019
Overall
Advice
Service
Value
Based in Leicestershire
What were the circumstances that caused you to initially look for an adviser?
I wanted to consider early retirement. I had a final salary pension however the flexibility was limited and I wasn’t sure i could afford to retire early.
How has Spencer Clifton helped you?
Spencer looked into the options for me and provided all the information I needed to make a decision. I had previously spoken to the pension department of my previous employer but they can only answer your questions and not knowing the right questions to ask made the experience frustrating. Talking to Spencer was so easy in comparison.
Have you seen the outcome you were hoping for?
Yes, I have made plans for the forthcoming year.
What could they have done better?
At the moment I don’t think I could have asked for a better service and I know if I need any further assistance I just need to contact Spencer.
Spencer's reply
Thanks Jenny for the review, have a great Xmas
Review from verified client
December, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I was buying a house.
How has Spencer Clifton helped you?
Spencer helped me find a very good deal on a mortgage and any insurance I needed to complete on the purchase. Spencer made the daunting prospect of first time buying very simple and straight forward.
Have you seen the outcome you were hoping for?
Yes I have.
What could they have done better?
Nothing. Service was top notch.
Spencer's reply
Thanks Matt and great meeting you and purchasing your first home
First impression from a user who is not yet a client
December, 2019
Overall
Please provide a brief comment about your experience with Spencer
Spencer was really helpful with my pension and explained step by step through out my pension options
Spencer's reply
Thanks Kevin for your review
Review from verified client
December, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Turned 55 and bombarded with letters from various pensions I'd had over the years
How has Spencer Clifton helped you?
He read all the letters and explained in simple terms what each pension would provide and then told me what options were available to me. With my permission he contacted all the providers and arranged one easy investment.
Have you seen the outcome you were hoping for?
Yes, I am happy that all my previous pensions are now in one place. With spencer's expert advice I now know the value of my pension and I can make plans to retire when I want.
Spencer's reply
Thanks Adrian for the kind review
Review from verified client
November, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Obtaining a new mortgage and getting the best life insurance quotation
How has Spencer Clifton helped you?
Spenser dealt with all aspects of obtaining our mortgage and sorted out the best deal for life insurance and has been on the end of the phone for any queries or concerns that we may of had
Have you seen the outcome you were hoping for?
Absolutely
What could they have done better?
Honestly nothing. We were very happy with the service that Spencer provided.
Spencer's reply
Thanks for the kind review Jo
Review from verified client
November, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Going through divorce, needed a financial advisor to consult over new mortgage that would be suitable.
How has Spencer Clifton helped you?
Spencer was able to search a wider selection of mortgages available and new which one would be best for my circumstances.
Have you seen the outcome you were hoping for?
Yes, Spencer has been able to get a mortgage for me.
What could they have done better?
Nothing, Spencer has been flexible to my time in terms of appointments and paperwork.
Spencer's reply
Cheers Rachael
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
A pension that had not been checked or looked at for years
How has Spencer Clifton helped you?
Spencer helped us to locate better areas to put the pension fund and ensured better use of the money in the event of death
Have you seen the outcome you were hoping for?
Better than we had hoped for
What could they have done better?
The advice and follow up checks/calls have been first class
Spencer's reply
Thanks Martin for you review
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Various pensions to amalgamated. Review of mortgage provider
How has Spencer Clifton helped you?
Acquired us a better mortgage, advice on pensions, provided paperwork for proof of comparisons, moved pensions together for better overall management, advice on investments & shares
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Happy with service provided by Spencer
Spencer's reply
Thanks for you review Adele
Review from verified client
October, 2019
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
As we are getting closer to retirement we wanted to find someone that we felt we could trust to help us get the most from our money.
How has Spencer Clifton helped you?
He advised us by transferring savings and pensions.
Have you seen the outcome you were hoping for?
We haven't seen any outcome yet as we have only recently acted on his advice, but we have every faith that his advice will be for the better.
What could they have done better?
Nothing could have been done any better, he was quick at returning calls, polite, reassuring and helpful.
Spencer's reply
Thanks very much for your review and also the referral
First impression from a user who is not yet a client
February, 2019
Overall
Please provide a brief comment about your experience with Spencer
I don't actually need a UK qualified IFA. The ones I've spoken to are unable to handle my specific circumstances. I need a specialist tax/ investment advisor and not a product type sales person. TQ.
First impression from a user who is not yet a client
December, 2018
Overall
Please provide a brief comment about your experience with Spencer
Excellent advice
Spencer's reply
Thanks Kalvinder
Review from verified client
October, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I have had pension arrangements with employers going back for more than 20 years. Those arrangements required a review as to whether or not they were still valid and active. I also had house/domestic insurance that I felt was expensive for what it was.
How has Spencer Clifton helped you?
Spencer helped me review alot of historical pension documentation. He helped to determine the best action to take with those pension arrangements to suit my circumstances. He also reviewed my house/domestic insurance.
Have you seen the outcome you were hoping for?
Yes, a transfer of one of the historical pension arrangements to a bettef fund is taking place. A review of other pension arrangements will take place next year. I am also now placed with a cheaper and better house/domestic insurer.
What could they have done better?
I can't think of anything that could have been done any better.
Review from verified client
October, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
After death of my husband i continued to carry on with his financial advisor. Mr Clifton has been understanding of all my needs concerning financial matters.
How has Spencer Clifton helped you?
See above.
Have you seen the outcome you were hoping for?
Definitely.
What could they have done better?
I am very satisfied with spencer clifton as advisor.
First impression from a user who is not yet a client
September, 2018
Overall
Please provide a brief comment about your experience with Spencer
Spencer was very focused and polite and responded promptly to my initial enquiry. I hope to continue to communicate and make some important decisions,
Review from verified client
September, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
My last one retired.
How has Spencer Clifton helped you?
He did everything to get a new morgage, been self employed it’s a little more tricky.
Have you seen the outcome you were hoping for?
Yes. Was super easy and he did nearly everything saving me the time. I’ve a busy work life so spen took the pressure out of moving.
What could they have done better?
No. He made it really easy and can’t recommend spen enough. I’ve actually recommend him to lots of my clients
Review from verified client
September, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
To fix our mortgage rate, consolidate pension funds and find the best savings account.
How has Spencer Clifton helped you?
Spencer gave us really clear advice and made sure that we understood the steps in the process and any implications of the decisions we were making. Spencer took the time to fully understand our needs and requirements, then matched those against the most suitable products on the market.
Have you seen the outcome you were hoping for?
We are really happy with the decisions made as a result of Spencer's advice. We feel confident in the advice we were given and choice of products recommended to us. We have successfully and effortlessly moved across to the new products in just a few short weeks.
What could they have done better?
I don't have any suggestions for improvement. Spencer emailed or called with any updates. He met us at a time and location to suit our needs and answered any questions that we had. He was always on time and well prepared. Thank you Spencer.
Review from verified client
August, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
To invest money on behalf of someone else.
How has Spencer Clifton helped you?
Gave really good advice and handled all aspects swiftly.
Have you seen the outcome you were hoping for?
The investments have only recently been made with a reputable company so hopefully will prove to be good.
What could they have done better?
He couldn't have done much more to help us to be honest. He always came out and visited us and gave sound and clear advice. The admin side of things were completed very quickly. Would certainly recommend him to anyone looking for advice on investments.
Review from verified client
August, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Needed advice and someone I felt I could trust Opted out of the state pension but but there was no face to face contact and information was very hard to access, also house insurance felt I was being ripped off by my previous insurers.
How has Spencer Clifton helped you?
Spencer understood my needs and goals, explained everything in plain English none of the usual jargon you carnt understand. Gave me confidence in the service I was getting.
Have you seen the outcome you were hoping for?
The documents I received were clear and relieved me of a lot of worry . I felt he found the right products for me which were totally suited to my needs.My policy is much better and much easier to understand than previous policies I had with other companies. I am very happy with my pension arrangements as a result of this advice.
What could they have done better?
There was nothing my Financial Adviser could have done better. Everything was spot on very professional and friendly service
Review from verified client
August, 2018
Overall
Value
Advice
Service
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Purchasing house.
How has Spencer Clifton helped you?
Many aspects throughout the purchase from start to finish. From finding the most suitable mortgage provider to liaising with solicitors and sorting insurance.
Have you seen the outcome you were hoping for?
Yes we purchased the house.
What could they have done better?
For us as a family nothing. Spencer’s calm approach to advise made the process of buying a house a lot less stressful than it could have been. Throughout the process he was always available to help
Review from verified client
August, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Mortgage for a new home.
How has Spencer Clifton helped you?
Helped obtain a mortgage.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing. The help was spot on.
Review from verified client
August, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I wanted to check my investments and review my pensoins.
How has Spencer Clifton helped you?
Spencer consolidated my pensions to get me a better return for retirement and a better rate for my ISA.
Have you seen the outcome you were hoping for?
I am very pleased with how my investments are progressing.
What could they have done better?
It is difficult to see how Spencer could improve as he has done everything that has helped secure my future.
Review from verified client
August, 2018
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
We needed some independent advice to help us take control of our finances and plan for our future.
How has Spencer Clifton helped you?
Spencer has and continues to provide us with lots of relevant information and has been extremely patient. He's been very flexible around our work commitments and doesn't adopt a sales approach, its all been very consultative and customer centric. Spencer has consolidated our pensions and negotiated some excellent rates on our behalf. We have also just mortgaged and the advice Spencer gave us meant we were better off each month and by several thousand pounds in redemption fees. Spencer has also been very helpful providing us with general advice for which he's received no reward.
Have you seen the outcome you were hoping for?
So far we are tracking very well financially and have peace of mind that we're control of our finances and have someone on our side to ask advice.
What could they have done better?
If anything maybe encourage us to move a bit more quickly!
First impression from a user who is not yet a client
February, 2018
Overall
Please provide a brief comment about your experience with Spencer
I got all the information i needed in an easy to understand way. Spencer will be dealing with my investments in the future
Spencer's reply
Thanks Andrew
First impression from a user who is not yet a client
February, 2018
Overall
Please provide a brief comment about your experience with Spencer
He was prompt and on time.
Spencer's reply
Thanks Omar and look forward to working with you in the future
Review from verified client
January, 2018
Overall
Advice
Service
Value
Based in Kent
What were the circumstances that caused you to initially look for an adviser?
Remortgaging of my house.
How has Spencer Clifton helped you?
Spencer assessed my financial situation, listened to my requests and presented my options.
Have you seen the outcome you were hoping for?
Yes I was moved onto the most applicable mortgage product and saved money on my insurance plan.
What could they have done better?
Nothing, Service was as requested.
Review from verified client
December, 2017
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Reviewing existing pension and options with moving to another insurer.
How has Spencer Clifton helped you?
With finding the best solution for our individual circumstances.
Have you seen the outcome you were hoping for?
Yes, better deal all round with good growth.
What could they have done better?
Perhaps making more clearer the fees and charges and how they effect the amount to be invested
Review from verified client
November, 2017
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
We required professional advice on 1st time home buying.
How has Spencer Clifton helped you?
Provided financial advice which was tailored to our requirements and assisted us in our mortgage application with our choosen lender.
Have you seen the outcome you were hoping for?
Yes, Spencer has delivered a high level of service and has carefully considered our financial position so as to determine the best financial product for us.
What could they have done better?
I cannot suggest anything that would allow for Spencer to have done better as I feel that Spencer has provided a competitive service at its best.
Review from verified client
November, 2017
Overall
Advice
Value
Service
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Remortgage.
How has Spencer Clifton helped you?
Spencer found us a great deal, better than we could find ourselves.
Have you seen the outcome you were hoping for?
Yes. Spencer was also able to reduce our monthly payments on life insurance for the same cover.
What could they have done better?
Nothing
Review from verified client
November, 2017
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Looking to purchase a house.
How has Spencer Clifton helped you?
First time buyer so gave guidance and advice from the earliest stage of finding a home.When myself and partner had found a property we liked , Spencer then carried out all the dealings with the mortgage lenders and estate agent. Spencer has also sought to provide support with finding the best insurance covers for the future.
Have you seen the outcome you were hoping for?
Yes we had an offer accepted on a place. Spencer secured the mortgage and property has been taken off the market as sold (subject to contract).
What could they have done better?
I personally couldn’t have asked for better service. Being a first time buyer the whole process was new to me, Spencer was always on hand to answer any questions and carry out all the dealings with relevant parties which made it as hassle free as possible.
Review from verified client
November, 2017
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
I was looking to update my insurance and pension plan, also we were buying a new home and didn't really understand all the jargon. We needed someone we could trust to help us to get the best deals.
How has Spencer Clifton helped you?
He was really amazing !! He helped us find the best deals for our current circumstances. He came to our home and went through all the details the pros and cons for all the different banks and mortgage offers. we felt that he new what he was talking about and he was able to display this through the information he provided and the different offers he showed us.
Have you seen the outcome you were hoping for?
Yes we managed to get a great deal on our mortgage and better insurance and pensions plans. I was very happy with the end result. We couldn't have done it with out his support.
What could they have done better?
I feel he has done everything I needed for him to do. He made himself available for any questions or issues we had. He came to our home to go through everything so we didn't have to travel each time to his office. He didn't give up till he was able to get the best affordable deals for us. I can't ask for anything else.
Spencer's reply
Thanks for the kind review and its a pleasure working with you!
Review from verified client
June, 2017
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Buying a new house for our family.
How has Spencer Clifton helped you?
He helped us find a good rate for mortgage and building insurance.
Have you seen the outcome you were hoping for?
Yes we.
What could they have done better?
We couldn't have asked for anything more from Spencer. He was brilliant!
Review from verified client
May, 2017
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Following a bereavement I needed assistance and support to help me invest wisely and receive a regular income.
How has Spencer Clifton helped you?
Spencer gave me support and guidance from the start. He talked me through my options, he put me under no obligation to go with a particular investment but talked through the pros and cons with each option. Using jargon free language and simple explanations he made what was a challenging situation very easy.
Have you seen the outcome you were hoping for?
Spencer has arranged a strong investment portfolio and I am happy that I am receiving a healthy monthly income and my investment is continuing to grow steadily.
What could they have done better?
Happy with all aspects of Spencer's support.
First impression from a user who is not yet a client
March, 2017
Overall
Please provide a brief comment about your experience with Spencer
Still yet to set up call with Spencer but he was quick to contact me which was very nice:)
Spencer's reply
Hi Sukhjeet, thanks for you kind words, if you let me know when's a convenient time to arrange a calli, I can seehow I can help with your enquiry
Review from verified client
December, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Needed to sort out a works pension that I had after the firm closed down.
How has Spencer Clifton helped you?
Spencer explained all a needed to know in laymans teams.
Have you seen the outcome you were hoping for?
I hopefully will see a good outcome over the remaining years of my retirement.
What could they have done better?
not that I can suggest
Review from verified client
December, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Spencer is my parent's financial adviser and when the subject me buying a property came up, they suggested him to broker the mortgage.
How has Spencer Clifton helped you?
Having already spoken to one adviser, I was feeling quite blown out of the water by all the complexity involved. in one sitting Spencer was able to set out the processes, and managed my expectations accordingly. He even met me outside 9-5 hours to talk things through, which was really helpful given my working hours.
Have you seen the outcome you were hoping for?
The property I'm buying has yet to complete owing to complications with the vendor's solicitor, but Spencer made the process up to this point as easy as it could have been, so my answer to this is yes.
What could they have done better?
Can't think of anything - can't fault Spencer.
Spencer's reply
Thanks James for the kind review and hope the vendor's solicitors sort out the problems soon
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Looking for a mortgage and pension , savings advice.
How has Spencer Clifton helped you?
Listened to what we could afford and advised the best way to invest for our future without any pressure.
Have you seen the outcome you were hoping for?
Yes everything is performing to what was advised and he keeps an eye on all our investments and advises if anything needs to be altered.
What could they have done better?
For us personally there is nothing he could have done better he reviews us annually without us chasing him .
Spencer's reply
Thanks Alison for the kind review and recommending me to Richard, meet up soon Spencer
Review from verified client
November, 2016
Overall
Value
Service
Advice
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Change of mortgage provider. Better monthly rates and insurances.
How has Spencer Clifton helped you?
Gained better understanding from his advice. Found us better deals with both mortgages and insurances for 2 properties with same amount of cover.
Have you seen the outcome you were hoping for?
Yes monthly savings and better protection.
What could they have done better?
Nothing always very professional with great amount of financial knowlege provided.
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Seeking advice on different matters and to ensure we are getting the most out of our policies.
How has Spencer Clifton helped you?
He advised us about our possible options and spent time explaining how these may affect us now and in the future. He ensured that we fully understood the content and implications of any policy.
Have you seen the outcome you were hoping for?
Yes we are pleased we the current policies we have been advised on.
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
i needed someone who would look after my financial interests, someone I could trust. and feel comfortable with. Spencer Clifton has helped me understand and taught me to see what is the best plan for me.
How has Spencer Clifton helped you?
I always know that if I ask any question , then Spencer knows the answer. after my husband passed away I relied on Spencer to help me with lots of things I was going through at the time. many questions needed answering especially when I needed to sort out probate, Spencer helped my family with this.
Have you seen the outcome you were hoping for?
yes always.
What could they have done better?
I don't know the answer to this question as I feel my advisor has and always is extremely helpful.
Spencer's reply
Thanks Diane and look forward to meeting up again with you soon
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Review of mortgage.
How has Spencer Clifton helped you?
Reviewed products in the market and made a number of recommendations.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing, the service was brilliant. I was kept informed and updated and the speed in which my request was dealt with was excellent.
Spencer's reply
Hi Trudie, thanks for your kind review and I was glad I could help with your needs
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in Staffordshire
What were the circumstances that caused you to initially look for an adviser?
My aunt passed away and Mr Clifton was her financial adviser. Just prior to her death she said that I should speak to Mr. Clifton and that he would guide my brother, myself and another niece through her finances.
How has Spencer Clifton helped you?
Mr. Clifton visited each of us and explained everything very clearly, guiding us through the investments which she had made for us. She had left some shares to me and again, he went through them for me. I subsequently asked him to go through some paperwork when some shares were taken over by another company and he sorted that query out.
Have you seen the outcome you were hoping for?
Yes, and If there is any problem he is at the end of a 'phone. I had some savings in a cash ISA which was going nowhere and Mr Spencer, after determining how carefully I wished to invest it, gave it a 'safe' home. On my recommendation he will shortly be seeing my son to advise him on his investments.
What could they have done better?
In the current financial climate I think he advised us prudently. He did very well for me when the block of shares was moved to another company as there were a number of options to choose from with the new company.
Spencer's reply
Thanks Eileen and look forward to meeting your son shortly
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Approaching retirement and needing to consolidate several smaller pensions into one.
How has Spencer Clifton helped you?
Spencer did all the work,negotiating with different companies and then finding me a pension suitable for my needs.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
I do not think any thing could have been done any better than it was.
Spencer's reply
Thanks Marilyn for your review
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Mortgage renewal.
How has Spencer Clifton helped you?
Spencer listened to our thoughts and requirements he then advised us on possible options, exploring the current mortgage offerings, he was very thorough and patient. Spencer then supported us in completing our application.
Have you seen the outcome you were hoping for?
Yes our application was accepted and is now complete.
What could they have done better?
I cannot offer Spencer critical feedback, we have been very pleased with the service he has provided us with, he has a very person centred approach and remembers previous meeting which helps to offer us a service tailored to our needs
Spencer's reply
Hi Lisa, thanks for your kind review and as always was a pleasure doing business with you
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Spencer was recommended to myself for mortgage advise from another financial adviser. He was excellent offering several mortgages and going through them in detail.
How has Spencer Clifton helped you?
He went through several types of mortgage making them clear and concise. After I had chose the mortgage he helped me complete the necessary forms. He kept me informed on how the application was going every step of the way.
Have you seen the outcome you were hoping for?
Yes I have recently moved into my new house.
What could they have done better?
Had a bit of trouble with the solicitor he recommended. This was sorted out after a couple of phone calls.
Spencer's reply
Thanks Simon for the review, sorry to hear you had a trouble with the solicitor, I will give them a call to make sure they are providing the service for my clients I require
Review from verified client
November, 2016
Overall
Advice
Service
Value
Based in Worcestershire
What were the circumstances that caused you to initially look for an adviser?
Claiming retirement pensions.
How has Spencer Clifton helped you?
He gave me detailed on my 3 pension pots.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing - Spencer gave me all the information I could have hoped for.
Spencer's reply
Thanks for your kind review, and it was a pleasure dealing with your retirement provision
Review from verified client
March, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Had been made redundant and needed advice on how best to safe guard my lump sum to fund my retirement plans.
How has Spencer Clifton helped you?
Spencer listed to my ideas about future plans and time scales, assessed my out goings and income, he then made various suggestions for me to consider giving details and predictions on benefits and downfalls of each.
Have you seen the outcome you were hoping for?
I am happy that the decisions I made are the right ones for me at this time, the advise and open unpressured explanations have helped with the making of the decisions.
What could they have done better?
At present I do not have any suggestions for improvement in the service I received.
Review from verified client
March, 2016
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
We are moving house and we needed to find a new mortgage and insurance policies, I was recommended to use Spencer by a friend.
How has Spencer Clifton helped you?
He has arranged our new mortgage and all insurance policies for a new mortgage and new home.
Have you seen the outcome you were hoping for?
Yes, absolutely. I thought the costs of our new policies were going to be far more expensive than they actually are. Spencer has found us some excellent new policies at affordable prices.
What could they have done better?
I don't believe Spencer could have done anything better for us. We've had a few issues with the sale of our property with a couple of sellers backing out at the last minute but Spencer has been very understanding and ensured that our processes have gone through smoothly throughout our process.
Review from verified client
December, 2015
Overall
Advice
Service
Value
Based in Gloucestershire
What were the circumstances that caused you to initially look for an adviser?
Lack of knowledge to do the following -: Dealing with existing pensions that were not live, Transferring pensions into one investment, how to take a lump sum and not be penalised by the taxman. Where to invest for the best return based on the risk I wanted to take.
How has Spencer Clifton helped you?
Dealt with the pension people on my behalf, gave me advise on how to fill in the forms for the tax people. Advised on tax allowance for the bulk sum and how much I could take out.
Have you seen the outcome you were hoping for?
The pensions are all safe and reinvested with a god return. Advised not to take out one pension as the return was good. Invested money with the option of a in draw down scheme.
What could they have done better?
The advise given to me was invaluable in making my mind up on how to invest and what to take as pension. Without the advise there are pitfalls that I could have been caught out and lost money I had saved over a long time.
Review from verified client
December, 2015
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
pension provision.
How has Spencer Clifton helped you?
he explained the options.
Have you seen the outcome you were hoping for?
yes very pleased.
What could they have done better?
nothing really
Review from verified client
October, 2015
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
Wanted advice and guidance on cashing in a pension.
How has Spencer Clifton helped you?
By being clear,open, and honest from the start about what and how all things happen. Also a nice knowledgeable friendly guy.
Have you seen the outcome you were hoping for?
Perfectly happy with the outcome. Spencer also keeps in touch and sends me regular updates on how things are going.
What could they have done better?
As is the first i have used i would not know but i could not imagine anyone doing a better job than Spencer and would recommend him highly to anyone seeking financial advice and guidance.
Review from verified client
February, 2015
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Also very willing to help and takes the time to find the best deal and then to explain it to you
What could they have done better?
In my opinion ,nothing
Review from verified client
January, 2015
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
I have been a client of Spencer for many years now and found his advice invaluable always taking time to explain thoroughly the best options available in a way you can understand before investing in whichever suits your needs the most
What could they have done better?
I have no complaints about the service I have received to date so it is hard to comment
Review from verified client
January, 2015
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
We needed a mortgage quickly to move on a property and required a mortgage certificate as proof, with me being self employed it was proving difficult. We called Spencer and he came round the next day and with in 24 hours had some solutions to move forward with some good mortgage deals. Spencer is very professional and reliable and certainly knows everything needed when it comes to mortgages.
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
I have had insurance from spencer for many years and he looks after my pension. He has many years experience. Some things to do with pensions I find very difficult to understand Spencer can explain everything well so I know what\\'s going on. He is always courteous and prompt when returning my calls and I have every confidence in his service and knowledge it is nice to know there are still people out there you can trust.
What could they have done better?
I don't know anything Spencer could do better he already does an excellent job
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Over several years, Spencer has given me excellent advice, which has resulted in me having a much better retirement income, based on sound products. He has a knack of knowing just when to contact me. |He goes to great lengths to provide detailed and comprehensive information for me, which, with his assistance and guidance, has enabled me to make the right decisions. At no time is there any pressure selling, and he always listens and takes on board my thoughts. I am totally confident in the service he provides for me, and will continue to seek his help as time goes by.
What could they have done better?
Nothing that comes to mind.
First impression from a user who is not yet a client
December, 2014
Overall
Please provide a brief comment about your experience with Spencer
We haven't met yet (although that's my fault, not Spencer's), but have communicated via phone and email. I am not entirely clear on charges as yet, but that's because we've not met to have that discussion.
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Very thorough, prompt and takes time out to make you understand options available
What could they have done better?
Nothing
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
could not have asked for a better service
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Having received the invaluable financial advice of Spencer Clifton for many years, I believe that I'm well qualified to offer an opinion on his skills, knowledge, service and general professionalism. All are excellent. I have placed several substantial investments/pensions using Spencer's guidance and have no regrets whatsoever. From a purely personal standpoint, his advice on my pension contributions, and the companies I am with, has been a double winner. He is also approachable, available and possesses the knack of explaining often complex financial options to a layman such as myself. Basically, I can't recommend him, or his company, highly enough. Phil Yates.
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in Oxfordshire
How has Spencer Clifton helped you?
Spencer has been known to my family for many years. He is excellent at understanding our needs and acts immediately upon things required. Spencer comes highly recommended for anyone that requires sound professional advice.
What could they have done better?
Nothing that i can think of.
First impression from a user who is not yet a client
November, 2014
Overall
Please provide a brief comment about your experience with Spencer
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
I find Spencer to be excellent at listening and therefore understanding my needs rather than assuming I need certain advice.
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
I received excellent advice from Spencer. I received a number of options on my insurances and pensions followed by a completely independent recommendation following a complete and thorough review. I would definitely recommend this company and would be happy to use again.
What could they have done better?
I was completely happy with the service.
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
He comes to our a home at a time suitable to us and explains everything thoroughly. He's doesn't push us into anything. He finds the products right for us and if he can't straight away will go away until he does.
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Spencer has given us some excellent mortgage advise and we have been really pleased with his professionalism throughout our process. We would highly recommend Spencer and will be using him for our future requirements
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
We have used Spencer over the last Fifteen years or more. He has always been reliable and efficient. He has looked into things we would not have known in order to try and build our money up ready for retirment. We also do our mortgage through Spencer which once again always get us a saving when we renew.
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Mortgages application, pension advice for my husband, financial advice to us both. Spencer provided us with a great deal of support when we were in the process of buying our bungalow, he went the extra mile for which we are very grateful.
What could they have done better?
Nothing
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Spencer's been my IFA for many years now. We've got a really good working relationship. As he's got to know me and subsequently my expanding family I feel like we have a sort of partnership over my finances. I tell him what I've got to invest or what kind of product I need and he cuts through all the nonsense and gets me the best deal possible. He never tries to sell me anything I don't want or need. I couldn't recommend him enough...
What could they have done better?
He does love the paperwork! Every time he visits he leaves reams of paper behind! All interesting stuff but he could probably save the planet and email it to me!
Review from verified client
November, 2014
Overall
Advice
Service
Value
Based in West Midlands
How has Spencer Clifton helped you?
Friendly personal service. Clear concise advise. Recommended
First impression from a user who is not yet a client
August, 2013
Overall
Please provide a brief comment about your experience with Spencer