Paul Duncalf

Review from verified client

February, 2024

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

Investment planning.

How has Paul Duncalf helped you?

Positive and helpful guidance. Down to earth approach and no hard sell.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Quite happy with present outcome.

Review from verified client

February, 2024

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

With the inheritance of a substantial amount, I needed guidance as to the most effective financial planning that would make best use of the monies.

How has Paul Duncalf helped you?

Paul has maintained a discreet mutually agreed presence in accordance with our requirements, together with the assurance that if needed, he is readily available by phone or email.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2023

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

I needed some help with my savings and wanted to invest.

How has Paul Duncalf helped you?

Paul was extremely helpful and took his time to explain my options. As it was the first time I was able to invest some funds, it was a bit daunting. Paul made it very clear and simple for me.

Have you seen the outcome you were hoping for?

Yes, despite Brexit, COVID and now the financial slowdown, Paul has kept me up to date with my funds and I feel comfortable with the placements he made on my behalf.

What could they have done better?

I don’t think Paul could have done better for what I am looking for with my money.

Review from verified client

December, 2023

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

I needed pension advice and some investment advice

How has Paul Duncalf helped you?

He was able to amalgamate two pensions I had into one which is more manageable, also invested an inheritance I received

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2023

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

I had been employed but was made redundant and I wanted to manage my money and make my finances more secure

How has Paul Duncalf helped you?

Paul has helped me to invest and has provided reassurance about my savings.

Have you seen the outcome you were hoping for?

Given the difficult financial climate and Covid issues of the past few years Paul has advised me and reassured me. I tend to be quite cautious and he gives time to explain the plusses and potential pitfalls of different financial options.

What could they have done better?

I feel Paul has generally done a good job.

Review from verified client

December, 2023

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

I was made redundant at the age of 57 and wanted advice on how to manage my reduced income and existing savings

How has Paul Duncalf helped you?

Paul has consistently given sound and informed advice.

Have you seen the outcome you were hoping for?

Frankly no but given the impact on the economy (and of course my savings)of the credit crunch, Brexit, Covid, Putin and the twin wrecking ball that was Liz Truss and Kwasi Kwarteng, thanks to Paul's advice, my savings and investments have fared remarkably well.No

What could they have done better?

I really don't know.

Review from verified client

October, 2023

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

To improve my financial situation in a more personal, targetted manner due to extra funds being available.

How has Paul Duncalf helped you?

Based on my risk factor Paul prepared & fully explained a sensible investment portfolio.

Have you seen the outcome you were hoping for?

Yes, without question bearing in mind the volatility of the global markets and general uncertainty of the UK situation.

What could they have done better?

Nothing that I can think of or indeed anyone could predicted.

Review from verified client

October, 2023

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

I had a lump sum of money to invest and I don't have the expertise to do it myself

How has Paul Duncalf helped you?

He has helped me with his advise and managed my savings to go into Stocks & shares ISA's

Have you seen the outcome you were hoping for?

Definitely. The target was the return on my investment that was at least greater than the rate of inflation, and that has been more comfortably achieved

What could they have done better?

Not sure since all targets for the return on my investment have been comfortably achieved at no risk to my capital

Review from verified client

October, 2023

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

I wanted to make sure that I had a competitive mortgage.

How has Paul Duncalf helped you?

Paul took the time to understand my overall situation and was able to provide me with a very competitive mortgage and also provide solutions to protect myself and my family, financially in the event of ill health.

Have you seen the outcome you were hoping for?

Yes, my mortgage remains very competitive and Paul keeps in touch to ensure it continues to do so. In addition to this I have peace of mind that should the unthinkable happen that my family will be financially secure.

What could they have done better?

I am very happy with what Paul has done for me and can't think of any way he could have done things better.

Review from verified client

October, 2023

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

Needed advice on managing savings.

How has Paul Duncalf helped you?

Offering simple and uncomplicated advice.

Have you seen the outcome you were hoping for?

In light of the current world turmoil yes.

What could they have done better?

Nothing I am satisfied with the advise given.

Review from verified client

October, 2023

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

I had savings and ISA,s and wanted to consolidate them and thought it necessary to seek professional advice.

How has Paul Duncalf helped you?

He kept me informed of options available and has managed my finances for a number of years.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

Nothing I am very satisfied with his help and advice.

Review from verified client

April, 2023

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

Pension transfer

How has Paul Duncalf helped you?

Paul looks after my pensions, we are currently looking forward to retirement planning

Have you seen the outcome you were hoping for?

Longer term retirement planning.

What could they have done better?

Paul is very personable and will go at a pace whereby we have a good understanding. Nothing could have been done better.

Review from verified client

September, 2022

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

I needed a mortgage.

How has Paul Duncalf helped you?

I have received incredible help. Paul was very caring, understanding, very knowledgeable and honest in every step of the way. He also was very patient and clear in every communication we had.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can not think of anything. I was very happy .

Review from verified client

May, 2022

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

I was approaching retirement age and needed specialist advice as to what route to take

How has Paul Duncalf helped you?

Paul has given me impartial advice as to all my options with pensions and made sure I fully understood the outcomes and risks involved.Due to certain circumstances everything had to be dealt with over the phone or by email which we achieved through Paul’s ability to explain the complexities of pension in an easy to understand way.

Have you seen the outcome you were hoping for?

I am happy with the outcome we achieved.

What could they have done better?

I do not feel Paul could have done any better.I feel confident in that the advice he has given me was best for me.

Review from verified client

April, 2022

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

I had various savings and investments but wanted to consolidate them and considered it necessary to seek professional advice and assistance.

How has Paul Duncalf helped you?

He kept me fully informed of options available and has satisfactorily managed my financial affairs for the last 10 years.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

Nothing, as I am totally satisfied.

Review from verified client

April, 2022

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

Needed advice on managing savings.

How has Paul Duncalf helped you?

Simple uncomplicated advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

October, 2021

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

We were looking to get a mortgage for our first property

How has Paul Duncalf helped you?

Paul was very helpful and took a lot of time to fully understand our situation. Everything was explained clearly, especially where we were first time buyers and didnt understand the process entirely at the beginning of the process.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Review from verified client

October, 2021

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

My Bank decided to change interest rates, yet again. I discussed the situation with Paul and he gave me very sound advice. I am delighted with his personal Service (with a capital C )

How has Paul Duncalf helped you?

He gave me valuable advice and this has proved to be right for me.

Have you seen the outcome you were hoping for?

Yes , absolutely !

What could they have done better?

Nothing, the results have been excelolent.

First impression from a user who is not yet a client

December, 2020

Please provide a brief comment about your experience with Paul

Very good outline of the services offered and good understanding of my needs.

Review from verified client

November, 2020

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

We needed straight talking advice about our funds many years ago.

How has Paul Duncalf helped you?

Paul did just that!!

Have you seen the outcome you were hoping for?

Oh yes!

What could they have done better?

Nothing, otherwise I wouldn’t be with him,

Review from verified client

November, 2020

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

We were offered the Services originally many years ago by the front counter of Nationwide.......’we have a financial Advisor’.

How has Paul Duncalf helped you?

He is on the end of a phone and deals with questions immediately. Something that does not now happen dealing with large Companies which are mostly closed due to the Virus.

Have you seen the outcome you were hoping for?

In light of the current World turmoil.......Yes.

What could they have done better?

Can’t think of anything.Thanks

Review from verified client

October, 2020

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

Firstly I needed pension advice, then I had an inheritance that I wanted to invest

How has Paul Duncalf helped you?

He reviewed my existing pensions, and reorganised them, also gave advise on investing

Have you seen the outcome you were hoping for?

It is still early days, but I have confidence in the advise given

What could they have done better?

I am satisfied with all advise

Review from verified client

October, 2020

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

Inherited a lump sum

How has Paul Duncalf helped you?

He gave us a professional assessment of our options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing more, as we are very happy with what Paul has done for us.

Review from verified client

October, 2020

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

I had money to invest that wasn't earning much interest in my savings accounts.

How has Paul Duncalf helped you?

Paul took me through how the money I had would be invested, careful to point out high, medium and low risk options and taylored my investment to suite my requested level of risk. He was also careful tp point out that since it was mainly stock market inestments around the world I could lose money as well as gain it. He also advised that it was a long term (5 years +) investment.

Have you seen the outcome you were hoping for?

Definitly. My initial capital invested has increased in value by aprox 30%, in spite of the current stock market and financial issues going on due to the Covid situation.

What could they have done better?

I'm not sure that Paul could have done more. He is the expert and his sound advice and guidance has led to my better than expected increase in my initial investment.

Review from verified client

May, 2020

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

Several years ago when my wife and I were recently retired we sought advice from Nationwide about investing lump sums we had received to help with funding our retirement. This is where we first met Paul. We found his advice and approachability first class. A few years later we found by chance he had become independent so we decided to move our investments into his care and have never regretted it

How has Paul Duncalf helped you?

Paul explained the financial markets in very simple terms that we could understand. Neither my wife our I are from a financial background so we appreciated Paul's patience and expertise in ensuring we had a good understanding of the benefits and risks involved

Have you seen the outcome you were hoping for?

Yes. Considering our investments have weathered some of the worst upheavals in the financial world for some time Paul has done his best and we are very satisfied with the outcome. He has always kept us advised and been very fast in responding to queries

What could they have done better?

I would find it difficult to find anything Paul could have done any better. We have been more than satisfied with his help and advice

Review from verified client

May, 2020

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

Retirement

How has Paul Duncalf helped you?

Paul explained our options in a clear and concise manner that we, not being financially astute, understood. We have had one or two financial crises and Paul has been a steady hand steering us through them.

Have you seen the outcome you were hoping for?

Yes for the most part. Any lesser expectations were due to the financial situation world wide not personally

What could they have done better?

I have no complaints about Paul's service.

Review from verified client

May, 2020

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

I needed expert advice on investing my savings. The building society was giving me no decent return on my savings.

How has Paul Duncalf helped you?

Paul came to my house and explained the various options I could take on how to invest my money. Paul was an extremely friendly and knowledgeable person, he put me at my ease and I felt that he was someone I could put my trust in.

Have you seen the outcome you were hoping for?

Yes. Although there have been turbulent times and indeed times when I was quite concerned, Paul reassured me that this was typical with investments. Overall I am extremely pleased with the way my savings have matured.

What could they have done better?

Nothing I can think of. Paul has extremely good professional qualities.

Review from verified client

May, 2020

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

i have had savings ISAs for some time and was interested in investment ISAs

How has Paul Duncalf helped you?

Paul explained my option and discussed the various risk levels. Discussed in length what my longer term goals were. He was very helpful and well informed

Have you seen the outcome you were hoping for?

Very happy until recently. Unfortunately due to recent circumstances with covid 19 my investments along with everyone else's have fallen. This is in no way a reflection on Paul or the company.

What could they have done better?

Nothing Paul has always been well informed and helpful.

Review from verified client

May, 2020

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

Having recently retired I needed help consolidating the several pension plans that I had. I was recommended to Paul by a good friend who has known Paul for some years. I have not been disappointed.

How has Paul Duncalf helped you?

He has given me good advice and has helped me find the best way to invest my money. He has always been willing to spend the time needed to discuss my best options and I trust his judgement.

Have you seen the outcome you were hoping for?

Until recently yes but unfortunately we are all suffering from the down turn caused by Corvid 19. Hopefully there will be a bounce back in the future but only time will tell.

What could they have done better?

I can't think of anything that Paul could have done any better. I have no complaints at all with his advice.

Review from verified client

May, 2020

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

I needed to gain expert , professional advice to ensure my retirement years were "looked after".

How has Paul Duncalf helped you?

Paul provided excellent guidance and explanations of my chosen path and responded in a very positive way when I needed advice.

Have you seen the outcome you were hoping for?

Bearing in mind the "market situation" and current problems , my expectations have been realistic and in the longer term I am confident that my Portfolio will recover and provide the returns I anticipate.

What could they have done better?

I cannot think of a single area where Paul could improve on the advice he gives me.

Review from verified client

November, 2019

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

I initially required advice on the investment of a lump sum following retirement. This subsequently led to discussions on my other existing and potential future investments and savings with the overall aim of identifying the best approach for optimising my monetary requirements during retirement.

How has Paul Duncalf helped you?

Following discussions with Paul, I was able to understand the saving options that were available to me, as well as clarifying my own attitude to risk. In turn, this enabled me to confidently assess the best way forward based upon Paul's advice.

Have you seen the outcome you were hoping for?

Overall, I consider that the approach advised, and subsequently actioned, have more than met my expectations. The regularity of reviews and provision of online information has also enabled me to regularly monitor progress and, where appropriate, implement any changes to plan following discussions with Paul.

What could they have done better?

A a result of continued interaction with Paul, I consider that any amendments required are implemented at the time the issue(s) are raised and are acted upon as rapidly as possible. This being the case, I cannot specifically identify any area where Paul could do better.

Review from verified client

November, 2019

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

My job was insecure and I wanted to make sure I was making good decisions with what money I had at that time.

How has Paul Duncalf helped you?

He gave sound advice about the ways that I could invest and save.

Have you seen the outcome you were hoping for?

I am happy with the outcome and now, having been made redundant, I feel more secure that I think would have done.

What could they have done better?

I am satisfied with the help and advice I've been given ... I suppose he could have brought biscuits!!!

Review from verified client

November, 2019

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

I initially needed some advice and guidance regarding my mortgage and subsequent discussions moved onto protecting my families finances and planning for my retirement.

How has Paul Duncalf helped you?

Paul was able to find me a very competitive mortgage and complete the application process. At the time of this meeting Paul talked me through all of the implications of protecting my family in the event of ill health etc and put together a proposal of solutions to ensure that we were financially protected. When I needed to review my pension provision I had no hesitation in speaking to Paul and he offered valuable advice.

Have you seen the outcome you were hoping for?

Yes, I am happy with the plans that I have in place.

What could they have done better?

Sorry but I can't think of anything that Paul could have done better.

Review from verified client

November, 2019

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

I needed to consolidate my various pension plans and to seek advice regarding investments and savings

How has Paul Duncalf helped you?

Paul was able to consolidate my pension plans into a single annuity plan that maximised my pension income. Paul advised on the savings and investments I had and was able to recommend an alternative mix of investments the better suited my requirements. Paul is always extremely patient and inspires confidence.

Have you seen the outcome you were hoping for?

The pension plan has exceeded my expectations. My savings and investments are now much easier to understand and are performing well. In the past I was always nervous about "financial" matters but now feel totally confident in Paul's ability to advise me.

What could they have done better?

I can think of nothing that would improve the relationship I have with Paul. He is patient and knowledgeable, and an excellent financial adviser.

Review from verified client

November, 2019

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

I was approaching retirement and was concerned about the best way of handling the various different pension plans I had accumulated over the years. In addition my wife and I had a series of investments that we felt we could consolidate into a more manageable form.

How has Paul Duncalf helped you?

Paul was able to bring order to the mass of figures I had been presented with from the various pension schemes. Paul was able to advise on what he believed to be the most attractive option. With Paul's help we were able to convert our various investments into a limited number of investments that protected our short term needs as well as planning for the longer term.

Have you seen the outcome you were hoping for?

The pensions advice was sound and the resulting single pension has exceeded my expectations. Similarly the investment advice has resulted in returns that are significantly better than we were previously achieving.

What could they have done better?

Very little! Paul is able to present investment information with absolute clarity and he does this without over complicating matters. He is extremely personable and we regard Paul as a good friend who is always available to offer sound financial advice.

Review from verified client

November, 2019

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

I had savings in various building society accounts ,and when I retired I thought I would see if I could get a better interest by investing it.

How has Paul Duncalf helped you?

He explained the fundamental procedure and advantages of setting up a Portfolio.

Have you seen the outcome you were hoping for?

Yes it has returned a fairly constant profit over the years, as he explained it would have a degree of variation as the investment market changes.

What could they have done better?

He has been very helpful and professional with advice he's given over the years.

Review from verified client

November, 2019

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

After retiring with a government pension and some ISA savings I wanted the best advise.

How has Paul Duncalf helped you?

We made an appointment with Paul to ask for his help, he suggested a Portfolio to spread my savings and pensions to their best advantage.

Have you seen the outcome you were hoping for?

Yes they obviously do better than any saving plans with banks and building societies, and have shown a good return even with the Brexit turmoil.

What could they have done better?

He has contacted me throughout the year and made me aware of strategy changes to my Portfolio and always explains the advantages, I feel the advise is honest and sincere.

Review from verified client

November, 2019

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

I approached Paul after I was made redundant by the company I had worked for more than 20 years. I wanted to know the best options for maintaining financial security into retirement. Paul had previously impressed me with his advice when he worked for Nationwide Building Society.

How has Paul Duncalf helped you?

We discussed my financial position, my savings and investments and a variety of possible options. His advice and guidance proved both reassuring and shrewd.

Have you seen the outcome you were hoping for?

Yes. Despite some white knuckle moments with the markets my investments have grown steadily and I feel financially secure

What could they have done better?

I really don't know. Using advice based on my tolerance for financial risk, Paul has provided advice and a service that has seen my investments grow. I am very happy with his guidance and know that if I have any concerns he is available to discuss them.

Review from verified client

October, 2019

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

I had retired and had savings and lump sum to invest rather than simply saving in Building Society plus had received some inheritance.

How has Paul Duncalf helped you?

He helped me decide how much to invest and how much to keep for daily living. He has always been clear and patient in explaining why he suggested certain routes to take and recently has reviewed my financial planning and we agreed on some Offshore Investments, a Discretionary Portfolio and Tax Planning.

Have you seen the outcome you were hoping for?

I've been pleased to see my investments climb even with the financial situation at the moment. It's good to know that although I pay for this service from Paul I gain far more than the fees I pay.

What could they have done better?

I am struggling to answer this one. Paul always explain things clearly and regularly keeps in touch. He never rushes me into making a decision and ensures I fully understand his suggestions. He really is an excellent financial adviser and takes a financial weight off my shoulders. I feel he has my best interests at heart.

First impression from a user who is not yet a client

February, 2019

Please provide a brief comment about your experience with Paul

Paul gave us some excellent advice on mortgages, and advice on future financial planning, and we wouldn't hesitate to use him again in the future.

Review from verified client

February, 2019

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

I was retiring with a pension and lump sum I wanted to invest in something other than cash ISAs.

How has Paul Duncalf helped you?

Paul advised my husband and helped us to invest our savings.

Have you seen the outcome you were hoping for?

Yes, accepting there maybe ups and downs in the markets.

What could they have done better?

Cannot think of anything, Paul has always been available and answered any queries promptly.

Review from verified client

January, 2019

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

I was retiring and had some savings and a lump sum from my pension. Interest rates for cash ISA's etc were very low so we were looking for a better return for our savings. Also potentially a regular income from our savings.

How has Paul Duncalf helped you?

Paul advised where and how to invest our savings and took all the hassle out of doing it ourselves.

Have you seen the outcome you were hoping for?

Yes we have seen the outcome we expected and have been very pleased.

What could they have done better?

Paul has always been very thorough and responded promptly to any issues we have had between our regular meetings. We cannot find anything where we feel he can improve.

Review from verified client

November, 2018

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

I needed advise on my pensions

How has Paul Duncalf helped you?

He looked at my existing policies and advised me accordingly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, I was very happy with his service and advise

Review from verified client

November, 2018

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

We had funds with Nationwide which needed professional advice.

How has Paul Duncalf helped you?

We considered he had the expert knowledge we needed.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

Review from verified client

November, 2018

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

I had a lump sum of cash in savings not earning much interest.

How has Paul Duncalf helped you?

He advised me how to make the most of ensuring a return on this lump sum, including putting the capital gradually into an ISA so i do not need to worry about paying tax on the profits

Have you seen the outcome you were hoping for?

Yes, my target was that my returns should be significantly higher than inflation, which is what has happened, therefore my initial investment has grown as anticipated.

What could they have done better?

I'm not sure, since Paul has achieved the financial aims that i asked him to do at the beginning of our financial relationship.

Review from verified client

November, 2018

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

Paul helped us when we originally invested in Nationwide, but subsequently we sold property and went to him for advice.

How has Paul Duncalf helped you?

Paul, working with Investec proposed a sound basis for Investing our funds....... on a medium risk Platform.

Have you seen the outcome you were hoping for?

We are happy considering the uncertainty now facing our country particularly with Brexit.

What could they have done better?

Investing Funds is a very complex subject, we have no reason to be critical at this stage.

Review from verified client

November, 2018

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

I was looking for advice and guidance regarding my overall financial well-being

How has Paul Duncalf helped you?

Paul took the time to get to know my current financial position and established what was important for myself and my family. He then put together a proposal to address these and he has continued to ensure that my plan remains relevant.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Sorry but I can't think of anything

Review from verified client

November, 2018

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

Make our money work for us

How has Paul Duncalf helped you?

Pointing us in the right direction

Have you seen the outcome you were hoping for?

Yes but the markets aren’t great at the moment, it’s done as well as it could have

Review from verified client

November, 2018

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

I was made redundant at the age of 57 and wanted help with securing my financial future.

How has Paul Duncalf helped you?

He gave me good advice and helped me find the best way to invest and save to make my future as secure as possible.

Have you seen the outcome you were hoping for?

Yes. I'm about to take my work pension and I feel much more secure than I would have done without good advice.

What could they have done better?

So far his advice has been good so I think everything has gone as well as could be expected.

Review from verified client

November, 2018

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

I'd been made redundant and was approaching state retirement age. I intended to continue working in a freelance capacity but needed advice on managing my reduced income but quite substantial savings over the long term

How has Paul Duncalf helped you?

He gave sound and detailed advice. Explained investment opportunities and risk factors and discussed my options. He also helped set up an annuity that paid far better than one i had been offered.

Have you seen the outcome you were hoping for?

Yes, the investments I made have grown nicely and Paul is always on hand if I need advice.

What could they have done better?

Frankly I can't see that he could have done much better. I am very satisfied with his service.

Review from verified client

November, 2018

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

Myself and my husband retired and required advise on savings.

How has Paul Duncalf helped you?

We had an informative meeting and with his advise created an investment portfolio.

Have you seen the outcome you were hoping for?

The investments have fluctuated but return interest much higher than normal savings.

What could they have done better?

His advise is honest and professional and I'm sure if there was anything else to improve things he would.

Review from verified client

November, 2018

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

Savings advise after retirement.

How has Paul Duncalf helped you?

After a meeting with Paul, we're given sound advise on savings and investments.

Have you seen the outcome you were hoping for?

We still receive 7% - 9% return which pays the finance on our motorhome every month which we don't notice. I hadn't thought of doing it this way but Paul advised us and organised the monthly payments into my bank account.

What could they have done better?

His professional advice helped us decide to put our savings in an investment Portfolio.

First impression from a user who is not yet a client

February, 2018

Please provide a brief comment about your experience with Paul

Very professional and made me understand in terminology that I understand

First impression from a user who is not yet a client

November, 2017

Please provide a brief comment about your experience with Paul

Very efficient response. Unable to see me as soon as required due to his busy appointments diary, however.

First impression from a user who is not yet a client

April, 2017

Please provide a brief comment about your experience with Paul

Clear and informative.

Review from verified client

March, 2017

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

We contacted Paul as we needed expert help and guidance to help and support us in organise our general finances, including savings and investments.

How has Paul Duncalf helped you?

Paul spent time listening to our needs and wants, without imposing his own views. We felt that he fully comprehended what we were saying and acted for our best interests. He was clear in his explanations of products/process. he also answered any questions we had. I felt confident that he `got' us and was able to match us with the best companies etc.

Have you seen the outcome you were hoping for?

We both felt happy with the recommendations we got and as result our finances are performing well.

What could they have done better?

Paul has done everything we asked and is always available.

Review from verified client

March, 2017

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

In order to consolidate various savings schemes and plan for my death.

How has Paul Duncalf helped you?

By exploring various options, offering suggestions and acting on my behalf and best interests.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I have known Paul for a good number of years and he has my full confidence with regard to my welfare.

Review from verified client

March, 2017

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

Wanted advice on management of finances.

How has Paul Duncalf helped you?

Paul was able to give me valuable advice in an uncomplicated and straightforward manner, he is also very patient.

Have you seen the outcome you were hoping for?

Present outcomes are very satisfactory.

What could they have done better?

I do not fell Paul could have done any better.

Review from verified client

November, 2016

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

Required advice on retirement.

How has Paul Duncalf helped you?

Provided valuable advice on the investment of a lump sum following retirement in a clear and concise manner.

Have you seen the outcome you were hoping for?

He provided a full explanation of the options available to meet my requirements and has advised on the best way forward with regard to my pension arrangements. As such, the outcomes achieved to date have met my expectations.

Review from verified client

September, 2016

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

I wanted to maximize the returns from some of my deposit based savings.

How has Paul Duncalf helped you?

Paul took the time to get to know my circumstances and thoughts towards the outcome I was looking to achieve and then constructed a portfolio of investments based on the level of risk I was comfortable to take. It is reassuring to know that Paul continues to monitor my portfolio and will recommend changes only when necessary.

Have you seen the outcome you were hoping for?

I have been very pleased with the performance of the investment portfolio and the relationship that Paul and I have developed over the past few years.

What could they have done better?

Nothing

Review from verified client

September, 2016

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

I was concerned with the poor performance I was receiving from my savings accounts and wanted to explore all of the options available to me.

How has Paul Duncalf helped you?

Following a comprehensive assessment of my current situation and by establishing what I was hoping to achieve with my savings, Paul produced a portfolio of investments. Paul was able to explain in a clear and straightforward manner what he had recommended and how the different investments work. Although I do not follow the performance of the investments on a regular basis it is useful to catch up with Paul over a coffee to give me peace of mind that everything is going to plan. It is also reassuring to know that Paul is monitoring my investments on an on-going basis.

Have you seen the outcome you were hoping for?

Paul’s advice has proved to be very worthwhile with an increase in my investments value which has greatly exceeded what it would have achieved in savings accounts. I am also very pleased with the support and on-going communication provided by Paul.

What could they have done better?

Nothing

Review from verified client

September, 2016

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

Purchasing a new house with my wife. We sought help from Paul to find the best mortgage so that we would be able to buy our dream house.

How has Paul Duncalf helped you?

Paul was excellent. He gave us a number of options and told us the pros and cons.

Have you seen the outcome you were hoping for?

Yes. We were able to purchase our dream house with an excellent mortgage offer which we could afford without stretching our finances.

What could they have done better?

Nothing, Paul gave us fantastic advice, giving us the full. Picture regarding what we would be paying, interest etc.

Review from verified client

September, 2016

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

My wife and I were looking to generate a better return on our savings than what was available from the building society.

How has Paul Duncalf helped you?

Paul guided us through the options in a clear and informative manner. Once we had agreed what was important to us and the risks that we were comfortable to accept, Paul then constructed a portfolio of investments for us.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Brought more biscuits when he visits

Review from verified client

September, 2016

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

We got in touch with Paul regarding mortgages for a couple of our properties.

How has Paul Duncalf helped you?

He advised us on the best mortgage and remortgage available to us. He was incredibly patient, well prepared and knowledgeable.

Have you seen the outcome you were hoping for?

Yes. We are very happy with the guidance and the mortgage deals we got.

Review from verified client

August, 2016

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

My savings were maturing and I needed advice.

How has Paul Duncalf helped you?

He advised on income bearing investments to supplement my final salary pension.

Have you seen the outcome you were hoping for?

Yes indeed very satisfactory.

What could they have done better?

Cannot think of anything.

Review from verified client

August, 2016

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

My wife and I have used Paul as our financial adviser for several years and over this time he has constructed and managed a portfolio of investments to provide an additional income to our pensions and protect our estate from any potential inheritance tax liabilities.

How has Paul Duncalf helped you?

Paul is extremely confident in all financial matters, in particular relating to tax, death duties and where to invest money to obtain growth of capital. At the same time Paul gives good advice on risks involved with investments and has helped with guidance on a sensible strategy to suit our needs. He has also kept a level headed approach to ensure enough cash is available for unseen eventualities and future expenditure. Paul is readily available when advice is needed and this is given in a very friendly manor.

Have you seen the outcome you were hoping for?

Paul’s advice has led to an enhancement in our financial portfolio and we are able to view our portfolio whenever we want to with the aid of computerised technology which has been well demonstrated to us and gives us more confidence.

What could they have done better?

Nothing

Review from verified client

July, 2016

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

I had retired and wanted advice re the best way to invest my money.

How has Paul Duncalf helped you?

Paul listened to my plans for the future and explained the reasons why he suggested putting various percentages of my money in different investments. He was careful to ensure we had access to our nest egg when required.

Have you seen the outcome you were hoping for?

I have definitely seen a steady increase in my investments and considering the economic situation of UK am pleased with the result.

Review from verified client

July, 2016

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

Reaching 60.

How has Paul Duncalf helped you?

By understanding , identifying and forecasting my needs for the future. Reassuring, giving me confidence and peace of mind.

Have you seen the outcome you were hoping for?

It's early days but I am confident that I have acted on expert advice.

What could they have done better?

Nothing

Review from verified client

July, 2016

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

Reaching 60 but not able to retire.

How has Paul Duncalf helped you?

By understanding my concerns and needs, giving me confidence, reassurance, guidance and peace of mind.

Have you seen the outcome you were hoping for?

It's early days but I am very happy with the decisions I've made thanks to Pauls expert advice .

What could they have done better?

Nothing

Review from verified client

July, 2016

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

Wanting to review life assurance in particular to check suitability of our existing policies.

How has Paul Duncalf helped you?

He advised us which products to keep, which to terminate and some new policies to replace them.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Review from verified client

July, 2016

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

we needed one.

How has Paul Duncalf helped you?

Paul gave us a couple of scenarios and outlined postives and negatives of both.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

July, 2016

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

To secure financial stability during my retirement.

How has Paul Duncalf helped you?

Paul came across as a very friendly and trustworthy person who explained everything in a simple and easy to understand way which I found very reassuring.

Have you seen the outcome you were hoping for?

Although the financial markets have been very turbulent as of late, the returns I have made have far exceeded those I would have received, had I relied solely on the building society.

What could they have done better?

None

Review from verified client

July, 2016

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

Advise on savings.

How has Paul Duncalf helped you?

By creating an investment portfolio.

Have you seen the outcome you were hoping for?

The investments keep earning interest.

What could they have done better?

His advice was professional and understandable.

Review from verified client

July, 2016

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

After retiring we had savings and a lump sum government pension, we sought advice from Paul.

How has Paul Duncalf helped you?

He showed us the benefits to obtain by investing in stocks and shares.

Have you seen the outcome you were hoping for?

We have received a far better return than normal savings . The market recently has been very Volatile But we still receive interest.

What could they have done better?

He could have chosen all the highest interest stocks and shares but he hasn't got a magic crystal ball.

Review from verified client

July, 2016

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

previous contact and the knowledge that Paul was ethical & knowledgeable and could provide the expertise to enhance my investments in a difficult market.

How has Paul Duncalf helped you?

By acknowledging my "cautious" approach and p[roviding a sound portfolio which met my specific needs.

Have you seen the outcome you were hoping for?

Yes, the results have met & exceeded my expectations.

What could they have done better?

I cannot think of any additional areas of Financial guidance where Paul could improve ,he has given sound, accurate & helpful advice in a friendly and professional manner.

Review from verified client

July, 2016