Reviewed for

Insurance and Protection ( 24 )

Mortgages ( 30 )

Pensions ( 41 )

Retirement income (annuities, drawdown) ( 12 )

Investments and Savings ( 19 )

Pension Transfers - Non Specialist ( 9 )

Inheritance Planning ( 7 )

Long Term Care ( 4 )

Pension Transfers - Specialist ( 8 )

Financial Planning ( 13 )

Financial Mentoring ( 4 )

Financial Coaching ( 2 )

( 1 )

Reviewers' assets

£500k+ ( 2 )

£200k - £500k ( 2 )

£100k - £200k ( 5 )

£50k - 100k ( 6 )

Up to £50k ( 8 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Staffordshire

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

Wanted a personal pension

How has Andrea Cloughley helped you?

Phone calls and emails

Have you seen the outcome you were hoping for?

N/a

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

I needed to start a pension this was the right time for me

How has Andrea Cloughley helped you?

Andrea has been a massive help would highly recommend her

Have you seen the outcome you were hoping for?

Yes it’s progressing well

What could they have done better?

Everything so far they have done brilliant can not fault anything

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

It was done through our company recommended by our accountant.

How has Andrea Cloughley helped you?

Sorting out our pension and putting our money where it matters

Have you seen the outcome you were hoping for?

Yes it’s doing fine

What could they have done better?

Nothing really she’s all clued up

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

I am a NHS doctor nearing retirement. I needed to know where I stood, at least to have an idea where I stood on the pension nad retirement.

How has Andrea Cloughley helped you?

Andrea has given clear, professional advice in a timely manner.

Have you seen the outcome you were hoping for?

I haven't retired as yet!

What could they have done better?

I have been happy with Andrea's advice.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Voluntary redundancy after 25 years.

How has Andrea Cloughley helped you?

Andrea sorted out my pensions, savings and advised me on my mortgages.

Have you seen the outcome you were hoping for?

Yes, savings doing well and pension is on track as planned.

What could they have done better?

Nothing, everything was explained fully and I wasn't rushed on a decision.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Support with finances

How has Andrea Cloughley helped you?

She went above and beyond to support me with my finances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Andrea was reccomended to me when I was looking for advice on mortgages and insurance.

How has Andrea Cloughley helped you?

Andrea has helped me set up an income protection plan, helped me take out a new mortgage deal and merge my pensions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/a

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Durham

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

We were retiring and needed a financial advisor

How has Andrea Cloughley helped you?

Andrea was an absolute dream to find as we aren’t exactly financial pensions savvy, Andrea settled our night and guided us from every angle through a minefield she has been amazing

Have you seen the outcome you were hoping for?

Pretty well yes, there’s been a few ups and downs over the last 12 months but none caused by Andrea in fact without her help we would have bee in dire straits , but hopefully we’re now going forward.

What could they have done better?

Pension withdrawal has to be hard but certain pension holders were dire.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Buying a home

How has Andrea Cloughley helped you?

Andrea was amazing from the second we had our 1st meeting, we didn’t really know how it all worked. Andrea helped us every single step of the way.

Have you seen the outcome you were hoping for?

Yes we have. And more.

What could they have done better?

Nothing at all, she did more than what was expected.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in London

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

Wanted to retire early

How has Andrea Cloughley helped you?

Explained what options I have and answered any of my questions, which inable me to make my decisions.

Have you seen the outcome you were hoping for?

Yes U am happy with the outcome.

What could they have done better?

Nothing.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

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

Needed to sort our pensions out for both me and my Wife

How has Andrea Cloughley helped you?

Very thorough and very good at breaking down the terminology of pensions/funds etc etc.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

not sure really

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

My wife and I needed life insurance but we're struggling to find suitable cover.

How has Andrea Cloughley helped you?

Absolutely. Right from the start she was friendly, knowledgeable and eager to help.

Have you seen the outcome you were hoping for?

Yes we have. We got the cover we needed at the price we wanted to pay. What more could we ask for?

What could they have done better?

Really can't think of anything she could have done better.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

I received a large sum bill from HMRC due to my annual allowance for which Andrea helped me initially.

How has Andrea Cloughley helped you?

Over the period, Andrea has gone through my finances and has helped me to simplify it by bringing various pensions together and my other investment together.

Have you seen the outcome you were hoping for?

Yes, certainly seen a very good outcome as my money has been growing well.

What could they have done better?

I am happy that things have been done well.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Reached 55 and I wanted to tidy up my pensions

How has Andrea Cloughley helped you?

Sorted out my tax free entitlement then put all my pensions in one new one

Have you seen the outcome you were hoping for?

Only just carried out re structuring

What could they have done better?

Everything was as good as I wanted/expected it to be

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

investment advice, financial planning

How has Andrea Cloughley helped you?

genuine and honest advice, extending her help beyond financial matters for eg recommending legal professional related to financial matter, guiding about property investment, helping regarding pension issues, helped to find a new accountant

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Can't think if anything could have done better

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Buying our house.

How has Andrea Cloughley helped you?

She has gone above and beyond from the start, being very informative and always checking in with us to see how things were going.

Have you seen the outcome you were hoping for?

Yes, Andrea got us a fantastic deal, advising us the best options and finding us the best deals regarding our home insurances & life insurances.

What could they have done better?

There is nothing we could of asked for it to have been better. Andrea is always on the ball. We had fantastic help and guidance through out. Would definitely go to Andrea if we ever needed to again, we have also already passed on her details to friends and colleagues. We highly recommend everyone to use Andrea.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Essex

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

Mortgage and Pension advice

How has Andrea Cloughley helped you?

Re-Mortgage advice, Pension forecast, planning and drawdown

Have you seen the outcome you were hoping for?

Yes, our engagement prompt and efficient, our advice was clear and concise with extremely reasonable costs

What could they have done better?

Our only issues were the slow Pension company responses where Andrea pursued them keeping us fully informed with timely updates.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

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

Consideration for early retirement.

How has Andrea Cloughley helped you?

Looking at my existing pensions to confirm whether or not I am in a position to take early retirement taking into account outgoings.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Staffordshire

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

I was looking for advice on a small pension policy that I had and wanted to know what my options were.

How has Andrea Cloughley helped you?

Andrea has been amazing. She has taken time to meet face to face and discuss all my options for my transfer to my new pension. Andrea has helped to make this process very stress free and always keeping me updated to where we were during the process. Andrea always explains everything thoroughly making even the most complicated decisions easier to reach.

Have you seen the outcome you were hoping for?

Yes I’m really happy with the outcome it’s everything I was hoping for and I feel happy to be left in Andrea’s capable hands for the foreseeable future.

What could they have done better?

I’m really happy with the quality of service that Andrea has given and would highly recommend her in the future.

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?

We wanted to set up a private pension scheme.

How has Andrea Cloughley helped you?

Andrea gave sound advice, answered all of our questions thoroughly, set up our private pension scheme and put it into trust for us.

Have you seen the outcome you were hoping for?

Absolutely! We now have the pension scheme we wanted, set up swiftly and professionally.

What could they have done better?

Not a thing, Andrea is a joy to work with!

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was returning from working abroad and needed advice on not working as soon as I returned and also how to go about downsizing without selling my previous house.

How has Andrea Cloughley helped you?

With her advice I was able to take time out from working and I was able to purchase a second home and downsize.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

Nothing more, I felt comfortable with all the advice extended to me.

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?

I needed some help planning my retirement. I needed to know the value of my pension and the optimum time to start to use my pension. Andrea has discussed this with me on several occasions and we have changed plans as our circumstances changed.

How has Andrea Cloughley helped you?

By listening and advising.

Have you seen the outcome you were hoping for?

Partially. Only partially because we have not yet arrived at the destination but I am comfortable with the plans so far.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Shropshire

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

Mortgage

How has Andrea Cloughley helped you?

Andrea sorted mine and my partners mortgage.

Have you seen the outcome you were hoping for?

Yes, we were in a tricky property chain and Andrea was only one hand to advise and push through applications.

What could they have done better?

NA

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Worcestershire

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

We're not very good at that sort of thing.

How has Andrea Cloughley helped you?

Over the years Andreas has sorted out all our finances, from mortgages, pensions, income protection, critical illness cover,...

Have you seen the outcome you were hoping for?

Yes, we've never had to worry and have never had a problem.

What could they have done better?

Nothing that I know

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?

Remortgage

How has Andrea Cloughley helped you?

Provided very helpful advice and guidance on options avaliable to me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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'm a homeowner who has no idea where to start with financial matters and needed to look at remortgaging and streamlining my finances.

How has Andrea Cloughley helped you?

Andrea had sourced products that would benefit me in the long run and given sound advice.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

I honestly cannot think of anything.

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Andrea

contacted promptly

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in West Midlands

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

Full financial review and change in circumstances

How has Andrea Cloughley helped you?

Yes, many times

Have you seen the outcome you were hoping for?

Yea

What could they have done better?

Nothing- Ange is brillaint. I’ve repeatedly referred friends and family.

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in West Midlands

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

We were looking for pension advice.

How has Andrea Cloughley helped you?

Andrea was able to explain the different options available to us.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Surrey

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

Myself and husband purchased a home using the help to buy scheme.

How has Andrea Cloughley helped you?

Impeccable advise throughout the process of acquiring the correct mortgage to suit us financially

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I believe the service we received was of the highest standard. Andreas attention to detail when considering our options was outstanding. Any advice we needed Andrea always created time to answer our requests. All whilst being punctual, kind and supportive through a stressful time during covid lockdowns to purchase our new build home.

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in West Midlands

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

Not having a clue what was going on with business accounts.

How has Andrea Cloughley helped you?

Andrea has helped us with clarity, organisation and forward planning. We feel totally supported by her financially and really grateful for her.

Have you seen the outcome you were hoping for?

Yes 100%

What could they have done better?

N/A

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Midlands

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

I needed a financial adviser

How has Andrea Cloughley helped you?

She advised me financially

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Nothing

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

I needed a mortgage whilst considering retirement

How has Andrea Cloughley helped you?

Andrea advise help me to get a mortgage whilst I was considering employment or retirement

Have you seen the outcome you were hoping for?

Yes - I was able to downsize

What could they have done better?

N/A

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in London

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

I wanted to consolidate all my pension under one umbrella company and I was given excellent and professional advice against this.

How has Andrea Cloughley helped you?

Andrea Cloughley was able to guide me swiftly through this financial process.

Have you seen the outcome you were hoping for?

Most definitely and I am extremely satisfied with the final outcome of this.

What could they have done better?

Absoutley nothing very happy indeed with the service that was provided by Andrea Cloughley.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Andrea was recommended to me and thank god she was... superstar

How has Andrea Cloughley helped you?

Help me to buy out my ex partner from our joint mortgage

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

Wanted to take out a private pension plan.

How has Andrea Cloughley helped you?

She looked at my Finances and my age and advised the best route to get what I wanted

Have you seen the outcome you were hoping for?

To early to tell

What could they have done better?

Nothing so I’ve been very happy with the high quality service she provided

Andrea's reply

Thank you for you're kind review, it was a pleasure working with you.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in London

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

Moving into a new house

How has Andrea Cloughley helped you?

She helped me with my mortgage and is helping me with my insurance and protection policies.

Have you seen the outcome you were hoping for?

I have most definitely seen the outcome and the process has been so smooth

What could they have done better?

I thought the actual process was smooth and effective. I have no constructive criticism

Andrea's reply

You're most welcome Nathan! I look forward to working with you again in the near future. All the best.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Midlothian

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

Recommended by a friend

How has Andrea Cloughley helped you?

Andrea was brilliant at helping me look at my business & what I might need going forward. I had a few pensions that we consolidated which was a huge relief.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing. Andrea was so helpful & instantly made me feel at ease & open about chatting.

Andrea's reply

Thank you for your kind words Susan. I look forward to working with you again in the near future.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I needed some in-depth support for my pension and mortgage.

How has Andrea Cloughley helped you?

Andrea is exceptional in taking the time to explain the best mortgage options and the most efficient way to proceed with a pension transfer.

Have you seen the outcome you were hoping for?

Yes, Andrea is very thorough and explains everything clearly which has made the process simple and effective. I am really happy with the outcomes.

What could they have done better?

There are no suggestions for improvement, I am very happy with the service provided by Andrea. She is meticulous and works with a high level of integrity.

Andrea's reply

You're most welcome Kully, such a wonderful review! I look forward to working with you again in the near future.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Planning for retirement

How has Andrea Cloughley helped you?

Andrea gave me invaluable advice and support through this complicated process. She directed me to the right sources to aid transition.

Have you seen the outcome you were hoping for?

Yes I have seen the outcome I was hoping for and very happy with decisions made.

What could they have done better?

I know there is always room for improvement and no-one is perfect but in all honesty there is nothing that could have been done better. She was excellent.

Andrea's reply

My pleasure Olga.. I wish you a very Happy Retirement!

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Andrea

Had an initial finance meeting with Andrea over a zoom/phone call. Andrea was extremely helpful and detailed in discussing my current financial situation and my personal goals. By the end of the call, we'd established I didn't need any of her further services at this time. But to be given an hour free call with real details discussed rather than just general advice is extremely generous and I'm grateful to have had the chat with her as I learnt a lot. I would definitely consider using her services in the future.

Andrea's reply

Thank you for your feedback Rachel, it was lovely to virtually meet with you, and should you have any further questions, please do feel free to contact me. Best, Andrea

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

We needed Andrea's support initially when we were re-mortgaging in 2018 due to my husband's ill health. Sadly, he passed away last year so I needed her help again to get me through some financial stuff as a widow. Andrea was personally recommended to me in 2018 and did great work for us - so I went straight back to her in 2021 without hesitation.

How has Andrea Cloughley helped you?

Andrea was amazing both times I've needed her help. She navigated through all my options and helped me sort both my mortgage and pension options.

Have you seen the outcome you were hoping for?

Yes - absolutely !!!

What could they have done better?

Andrea couldn't have done more for me - her advice and support were invaluable and she did all the leg work for me.

Andrea's reply

Such a huge compliment.. you're most welcome. All the best for the future.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

planning retirement and looking at having plans in place.

How has Andrea Cloughley helped you?

looked at personal needs and gave the right advice

Have you seen the outcome you were hoping for?

to a degree The recent pandemic has affected my plans

What could they have done better?

More hands on with accessing services which are suggested but difficult to navigate through.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Manchester

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

To be financially stable and prepare for retirement

How has Andrea Cloughley helped you?

Helped me to assess my present financial position.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. They did everything I could have hoped for.

First impression from a user who is not yet a client

July, 2021

Overall

Please provide a brief comment about your experience with Andrea

Andrea has a lot of knowledge regarding my investment portfolio that she has put in place. I’m really pleased with the service that I received and I am happy that my money is working for me for when I retire.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

As a self employed person who has been fortunate to have undertaken lucrative contracts in my career having the capacity to generate the kind of income I was generating and not having guided financial planning just did not make sense. Andrea has stirred me through some ridiculous times that could have easily been devastating for me and my loved ones and am very grateful and impressed at the impeccable guidance and service she and her team continue to give to this day. It is very important to me because I still have a lot to plan for and achieve and all this is because of my confidence in my financial advisor to understand what I need to get done. As a father to a gorgeous little person, now more than ever second to none financial planning is a Must Have not an option.

How has Andrea Cloughley helped you?

When I need something done I usually call her a call and give her a run down of what's on my mind and she tells me my options.

Have you seen the outcome you were hoping for?

all the time

What could they have done better?

at no point have I felt that anything could have been done better. (Never!)

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I had some old company pensions which I hadn’t paid into for a number of year ( 20) so asked if I was able to drawn down on them as I was over 55 year of age .

How has Andrea Cloughley helped you?

Andrea has been excellent throughout this process as you can imagine the original pension provider had been bought out/ sold on several times so wasn’t easy to do the paper chase to find who was now the provider but Andrea battled through as established who to contact

Have you seen the outcome you were hoping for?

I was very happy with the outcome

What could they have done better?

No I don’t think so excellent service

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in London

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

Retirement pension advise

How has Andrea Cloughley helped you?

Extremely good with giving me advise and understanding of pension and schemes proposals

Have you seen the outcome you were hoping for?

Still awaiting

What could they have done better?

Everything was perfect

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in London

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

planning early retirement

How has Andrea Cloughley helped you?

Andrea Cloughley was very helpful in explaining what investment would be best for me also the risk involved. Andrea was very knowledgeable and would always take time to explain any issues I whised to raise. Thanks to Andrea's help the process was easy and would recommend her services.

Have you seen the outcome you were hoping for?

Yes, on the road to an early retirement.

What could they have done better?

Nothing

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Essex

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

I was looking for pension forecast and financial advice

How has Andrea Cloughley helped you?

She took matters in hand and helped with financial planning and remortgage

Have you seen the outcome you were hoping for?

yes

What could they have done better?

No, she was extremely thorough

Andrea's reply

You are most welcome, I am pleased that we have secured you a competitive re-mortgage deal, and look forward to planning your retirement journey ahead.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Seeking a second mortgage and pension advice.

How has Andrea Cloughley helped you?

Andrea helped me throughout the whole process and showed is options we didn't know we even had.

Have you seen the outcome you were hoping for?

Yes we have!

What could they have done better?

Nothing, we highly recommend Andrea.

Andrea's reply

Thank you, it was a pleasure to help you secure your mortgage on your new purchase.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I was about to retire and needed some sound financial planning suggestions.

How has Andrea Cloughley helped you?

Helped me find a suitable vehicle in which I could invest in. And Andrea signposted me to the relevant investor to support my grandchildren.

Have you seen the outcome you were hoping for?

Not as yet.

What could they have done better?

Well, owing to Covid 19 I'm sure many others are in a similar position to Andrea.

Andrea's reply

Thank you for your honest review.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I was a doctor working as a locum (self-employed) and was in a financial position to buy a house but needed a mortgage. I was initially unsure and anxious in regards to whether I could be approved of a mortgage given my self-employed status and working on a zero-hour contract so I sought guidance from Andrea in regards to financial planning and mortgages.

How has Andrea Cloughley helped you?

Andrea had been invaluable in the whole process of acquiring a suitable mortgage. We initially met in person to discuss my financial situation and the services that she could offer me (which go far beyond just mortgages!), after this we made regular contact via phone and email to ensure the process was as smooth as possible. Andrea was always very quick at reply to emails and answering any queries that I had which greatly reduced the stress of buying a house. She provided professional, honest and unbiased advice which is what everyone should look for in a financial advisor.

Have you seen the outcome you were hoping for?

Yes I managed to secure a good mortgage despite working self-employed and on a zero hour contract.

Andrea's reply

You are most welcome. I am pleased I was able to reduce the stress of your house purchase

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

Divorce

How has Andrea Cloughley helped you?

Mortgage Keyman cover House & Contents

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Andrea's reply

It has been my pleasure. I am pleased that you now have the peace of mind knowing you and your business are adequately protected.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I had moved in with my partner, rented my house out and needed financial advice.

How has Andrea Cloughley helped you?

Andrea helped me to change my mortgage to a buy to let, helped my partner and I with a joint mortgage. She also sorted all of our protection cover aswell as help me with a personal pension.

Have you seen the outcome you were hoping for?

Yes -100%

What could they have done better?

Andrea was amazing and made everything really simple for us.

Andrea's reply

Thank you, I am delighted I was able to share the exciting process with you both.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

Needing mortgage, business and financial support.

How has Andrea Cloughley helped you?

Andrea offers us a monthly financial review which has really help us to understand our finances and support with making important decisions.

Have you seen the outcome you were hoping for?

We are so much calmer having financial conversations as well as not feeling as stressed with our finances.

What could they have done better?

N/A

Andrea's reply

I have really enjoyed working with you both. Here’s to a great working relationship going forward.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

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

I received my pension statement showing that the amount contributed on a monthly was less than what was being invested. This in turn was showing that year on year my pension pot was not increasing.

How has Andrea Cloughley helped you?

With Andrea's help I provided a spreadsheet showing my income and outgoings. This was an eye opener for me!! Andrea was able to advise on the best bank account packages, a re-mortgage, the importance on having insurance protection. Help with relocating a house move. Transfer of pensions and advice on how to regularly review your finances Andrea also advised that my pension pot could be transferred to a low risk fund and would be personally managed.

Have you seen the outcome you were hoping for?

Andrea and I have regularly have meetings followed by emails of our discussions. She has also dealt with my re-mortgage which has saved me pounds of my monthly mortgage payments. The biggest out come is that the investment has increased during COVID-19 by over 10K. This is so postive as I am approaching retirement.

What could they have done better?

I honestly cannot think of anything as I as so happy to find a financial adviser who is approachable and knows her subject matter.

Andrea's reply

You are most welcome, I am pleased to have had an instrumental part in the planning of your Mortgage and transition into a fun filled retirement!

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

I needed life cover and to review my pension

How has Andrea Cloughley helped you?

Andrea did an excellent job in understanding my financial needs and presenting policies and solutions in a clear and concise way

Have you seen the outcome you were hoping for?

100 per cent

What could they have done better?

Nothing. The service has been fantastic

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Outside UK

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

I am a UK expat living and working overseas. As such, I needed a bespoke service that would suit my needs (private pensions, purchase of investment property), rather than the 'one box fits all' services provided globally.

How has Andrea Cloughley helped you?

Andrea was able to advise me on the best way to utilise the savings I am accumulating whilst overseas, also she has helped me set up a private pension which was imperative for me and my future. Finally, she was able to advise in the purchasing of a buy to let property in the UK, while I was overseas.

Have you seen the outcome you were hoping for?

Yes, Andrea has a wealth of knowledge and what I truly appreciated was the raw honesty given. There are many advisers who are happy to take your money and tell you what you want to hear. Andrea was able to source all the information needed about the different products and routes I could go down and then advise me on the honest limitations and advantages of all options, given my unique situation. We source advisors as we do not have the time or knowledge to do it ourselves. We trust them with our funds and the time/effort that we have put into those funds. Andrea has my trust and that's not easy to come by.

Andrea's reply

It was my pleasure. I am glad I have been able to make the whole process of purchasing your new investment property easier; planning for your future. Exciting times ahead!!

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Surrey

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

Myself and husband required a review of our finances and help with acquiring a mortgage

How has Andrea Cloughley helped you?

Andrea helped by thoroughly reviewing our financial status, Researched and advised on appropriate mortgages for us on two separate property purchases.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We can honestly say that Andreas level of professionalism and attention to detail in supporting us was faultless, we would strongly recommend her services to family and friends.

Andrea's reply

You are most welcome, I am pleased to have had an instrumental part in you purchasing your new family home.