Reviewed for

Insurance and Protection ( 45 )

Mortgages ( 67 )

Pensions ( 225 )

Equity Release ( 77 )

Retirement income (annuities, drawdown) ( 129 )

Auto Enrolment ( 1 )

Investments and Savings ( 202 )

Pension Transfers - Non Specialist ( 51 )

Inheritance Planning ( 50 )

Long Term Care ( 25 )

Pension Transfers - Specialist ( 31 )

Financial Planning ( 52 )

Financial Mentoring ( 17 )

Financial Coaching ( 8 )

Reviewers' assets

£500k+ ( 28 )

£200k - £500k ( 61 )

£100k - £200k ( 47 )

£50k - 100k ( 32 )

Up to £50k ( 70 )

Client reviews

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I had changed employment and i required an advisor closer to home who could provide specialist advice

How has Paul Clifford helped you?

extensively since Paul has been looking after my Pension

Have you seen the outcome you were hoping for?

Generally yes given the world economic climate

What could they have done better?

N/A

Paul's reply

Dear Nick, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

to invest inheritance money

How has Paul Clifford helped you?

advice on investing a lump sum of money low risk

Have you seen the outcome you were hoping for?

yes up to date

What could they have done better?

he couldnt have done any better

Paul's reply

Dear Janice, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon . Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

To consider investment options for retirement pension

How has Paul Clifford helped you?

He provided investment advice related to my circumstances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything

Paul's reply

Dear Barbara & Reg, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

We moved to the area and wanted to find someone local to advise us about our pensions.

How has Paul Clifford helped you?

Regular advice about our pension funds.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not aware of anything that could be improved

Paul's reply

Dear Karen, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Retirement with final salary pension

How has Paul Clifford helped you?

Clearly explained my pension options and associated risks through regular face to face contact

Have you seen the outcome you were hoping for?

Yes a cautious approach has been regularly reviewed and amended where appropriate based on detailed risk assessments

What could they have done better?

Not any issues

Paul's reply

Dear Bob It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Old adviser retired

How has Paul Clifford helped you?

He’s trustworthy and we are comfortable with him

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Dear John & Linda, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

Re evaluate finances

How has Paul Clifford helped you?

Pension and overall review of finances.

Have you seen the outcome you were hoping for?

Yes, my pension is preforming better already.

What could they have done better?

Nothing, very good service from Paul and the team.

Paul's reply

Dear Belinda It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Sussex

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

due to retirement and to look my draw down pension

How has Paul Clifford helped you?

yes he has helped me 100% not only explaining all the termology regarding my retirement and even contacting HMRC to change my tax codes and i have a nice refund ! thanks Paul and all the team in the office very friendly and a great team i would highly recomend Paul Clifford for any finacial solutions thanks again Paul and the team

Have you seen the outcome you were hoping for?

yes and more

What could they have done better?

no paul and team went above my expectations

Paul's reply

Dear Gary, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

To give me advice on my pension pot and the funds available to invest in.

How has Paul Clifford helped you?

He provided me with the advice I needed to become a client of Clifford Osborne and for Paul to manage my financial affairs and I would highly recommend him.

Have you seen the outcome you were hoping for?

With the advice and management from Paul of my pension fund I am extremely happy with the outcome.

What could they have done better?

In my opinion nothing, I'm very happy with the advice and management from Paul and all at Clifford Osborne.

Paul's reply

Dear Nick, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Need for advice on pension drawdown options

How has Paul Clifford helped you?

With regular contact and twice yearly reviews and updates

Have you seen the outcome you were hoping for?

So far, yes

What could they have done better?

Nothing! The service of all members of the firm is exemplary.

Paul's reply

Dear Alison, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Retirement and the consequent need for my pension fund's management to be monitored.

How has Paul Clifford helped you?

Advice and explanation regarding the performance of the fund, advice about Power of Attorney and general recommendations regarding savings.

Have you seen the outcome you were hoping for?

Yes.

Paul's reply

Dear Paul, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I had no idea how to protect inheritance I received

How has Paul Clifford helped you?

Helpful, easily understood information

Have you seen the outcome you were hoping for?

No, but that’s the world issues that affect the market!

What could they have done better?

N/A

Paul's reply

Dear Lindsay, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings, and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Working self-employed and having poorly performing pensions

How has Paul Clifford helped you?

Money goes up virtually every year

Have you seen the outcome you were hoping for?

Yes

Paul's reply

Dear Daimon, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

General advice

How has Paul Clifford helped you?

He has been there for me for many years - I trust him

Have you seen the outcome you were hoping for?

So far …..

Paul's reply

Dear Nick, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Upon retirement and having inherited a significant sum, we needed advice on how to make our money work for us and give us a steady income.

How has Paul Clifford helped you?

Paul helped plan and explain our options and he guided us through how to proceed.

Have you seen the outcome you were hoping for?

Yes, without a doubt. Even better than expected really.

What could they have done better?

All good.

Paul's reply

Dear Sarah, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

My previous advisor moved his office some distance away.

How has Paul Clifford helped you?

Paul sorted out the best options for my pension and investments.

Have you seen the outcome you were hoping for?

I would consider that the outcome has been better despite some turbulent years across the world in recent times.

What could they have done better?

Can’t think of anything.

Paul's reply

Dear Nigel, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Transfer of pension funds

How has Paul Clifford helped you?

Paul has helped us with financial advice & investment

Have you seen the outcome you were hoping for?

Yea

What could they have done better?

Nothing

Paul's reply

Dear Stephen, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Sussex

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

My pension arrangement

How has Paul Clifford helped you?

Good sound advice with pension . Also gave sound advice and options in other financial matters

Have you seen the outcome you were hoping for?

Yes . All working well , as planned

What could they have done better?

Nothing really. Paul and team have been responsive and delivered a professional service. I have already recommended a close friend and he also received the same experience as myself.

Paul's reply

Dear Dave, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Looking for a professional financial advisor.

How has Paul Clifford helped you?

Financial planning for present and future needs.

Have you seen the outcome you were hoping for?

The outcomes have been very satisfactory.

What could they have done better?

They meet all my current needs.

Paul's reply

Dear Colin, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Following the sale of my house needed to leave money for a grandson.

How has Paul Clifford helped you?

Provided advise and set up a bond

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing immediately springs to mind.

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in Kent

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

To manage my finances and consolidate my pensions

How has Paul Clifford helped you?

He has consolidated my pensions and advised me how to make them work better.

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

Na

Paul's reply

Dear Tony It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Pension concerns

How has Paul Clifford helped you?

I had so many pensions especially work based one.Paul sorted them all out and put me with a company that helped my pensions grow.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.excelkant service from all the team at Clifford Osbourne especially Paul.Donna and Stephen.

Paul's reply

Dear Vanessa, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Retirement and not knowing what to do with my pension pot

How has Paul Clifford helped you?

Given me clear advice and guidance on where to put my savings and how to manage them

Have you seen the outcome you were hoping for?

Yes, I feel confident he knows what he’s talking about

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Inheritance and retirement

How has Paul Clifford helped you?

Made it possible to make investments, and still allowing us to use our money

Have you seen the outcome you were hoping for?

Definatly

What could they have done better?

We feel nothing would suited us better

Paul's reply

Dear Brian, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Recommended

How has Paul Clifford helped you?

Good advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure

Paul's reply

Dear Sue, It was lovely to catch up with you recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

My advisor retired and was using Paul.

How has Paul Clifford helped you?

Paul has worked with us on our private pensions.

Have you seen the outcome you were hoping for?

We are in a good position with our pensions.

What could they have done better?

I don't know, but we are happy with Paul and trust his judgement.

Paul's reply

Dear Richard & Chris, It was lovely to catch up with you both recently and thank you so much for taking the time to leave a review on the service we provide to you. We really do value client feedback as this helps us to continually improve in all areas. Please feel free to contact me directly or a member of the team should the need arise between scheduled review meetings and we'll be only too happy to help. Sincere thanks again and I look forward to seeing you soon. Kind regards, Paul

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

help with pensions, savings etc

How has Paul Clifford helped you?

easy to talk to very friendly

Have you seen the outcome you were hoping for?

yes

What could they have done better?

i dont think so

Paul's reply

Dear Karen it was lovely to see you recently and catch up. Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me directly or my support team anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

retirment

How has Paul Clifford helped you?

advise and implement pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No very happy with result

Paul's reply

Dear Chaz it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Approaching retirement and wanting to discuss the option of transferring out of my DB Pension and how to initially invest the transfer of my DC Pensions.

How has Paul Clifford helped you?

Spending time to fully understand my risk propensity and objectives so that we can then benefit from debating the best decisions to be taken to achieve these.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

Nothing.

Paul's reply

Dear Jonathan & Claire it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lincolnshire

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

I was recommended to by a friend

How has Paul Clifford helped you?

He helped me transfer my pension to a new company

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Dear Sharon it was lovely to see you both recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Private pension advice

How has Paul Clifford helped you?

Paul advised me on options for my existing Virgin private pension which was subsequently converted to a Royal London pension with income release.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The advice I received from Paul was excellent in that it was clear and uncomplicated making the decision to proceed much easier.

Paul's reply

Dear Lynne it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

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

I wanted to move my defined benefits pension savings to a personal pension plan.

How has Paul Clifford helped you?

Paul oversaw the whole process of transferring the funds and found a suitable product for the personal pension.

Have you seen the outcome you were hoping for?

Yes, very much so.

Paul's reply

Dear Sean it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Sussex

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

We were looking to transfer existing pension funds and sought general financial advice

How has Paul Clifford helped you?

By explaining and guiding us through what can be a financial minefield to novices. He’s very knowledgeable, he will answer any question and provides you with the information to enable you to make informed decisions with confidence.

Have you seen the outcome you were hoping for?

Not quite yet but we feel we’re on track.

What could they have done better?

Nothing.

Paul's reply

It was lovely to see you both recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Sussex

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

Pension advise ready for retirement

How has Paul Clifford helped you?

Paul has given me excellent advise and has always been honest with regard my expectations and guided me in the right direction

Have you seen the outcome you were hoping for?

It's not finished yet but I'm very confident

What could they have done better?

Nothing for me

Paul's reply

Dear Terry it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

Was highly recommended via our previous financial advisor

How has Paul Clifford helped you?

Tremendously all through work pensions advice, equity release and retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing we can think of

Paul's reply

HI Pat I hope my email finds you both well and you had a lovely time in Devon recently. Thanks so much for taking the time to leave a service review on our behalf its really appreciated and helps us to deliver excellent customer care and service . As a reminder all fees are paid as a percentage of assets under management . I will re visit this with you when we see each other or if you prefer I can ring you to explain again. With kind regards, Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

It was a legal requirement before being able to access my pension fund.

How has Paul Clifford helped you?

With very sound advice and management of my pension affairs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No.

Paul's reply

Dear Nigel it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Poor Service from old advisors.

How has Paul Clifford helped you?

Setup long term pension and short term draw down pensions. Plus given years of advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot, service has always been spot on

Paul's reply

Dear Nick it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. The P60 should be with you , I emailed it across yesterday . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Wanting to ensure my pensions were all in one place and been looked acter

How has Paul Clifford helped you?

Paul gave me fantastic advise and explained the process and pension very clearly. He is always happy to give updates

Have you seen the outcome you were hoping for?

Yes the pension is doing very well

What could they have done better?

Nothing,great service and would highly recommend

Paul's reply

Hi Tim it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course... maybe roller-skating ! Best Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

pension transfer

How has Paul Clifford helped you?

Moved my pension effortlessly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Paul's reply

Dear Jo it was lovely to see you recently and catch up - I hope your trip was as wonderful as it sounded and you expected. Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. Best Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

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

Retirement planning

How has Paul Clifford helped you?

Knowledge that we don’t have

Have you seen the outcome you were hoping for?

So far

Paul's reply

Dear Nicola it was lovely to see you recently and catch up . Thank you for taking the time to leave a review on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you all again in due course. Best wishes , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Pension

How has Paul Clifford helped you?

Put all my pensions in one place

Have you seen the outcome you were hoping for?

Yes

Paul's reply

Dear Andrew it was lovely to see you both recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you both again in due course. Have a wonderful trip to Italy . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

moved to Eastbourne ,cash to invest

How has Paul Clifford helped you?

Found the right investment for my needs.

Have you seen the outcome you were hoping for?

Going the right way.None

What could they have done better?

None

Paul's reply

Dear Derek it was lovely to see you both recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I needed advice on pension planning

How has Paul Clifford helped you?

Paul's helped me to plan fomy retirement and given financial advice in respect of investments. Also put me in touch with a solicitor to advise on making a Will and Lasting Power of Attorney

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't think of anything more they could have done

Paul's reply

Dear Rose it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Im so happy you are loving being retired and feel comfortable and financially free. Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I suddenly found myself being responsible for my financial future and needed some help professional help.

How has Paul Clifford helped you?

Paul has been a tower of strength and has helped and advised me on several issues.

Have you seen the outcome you were hoping for?

Without doubt he has given me some very sound advice that has helped considerably

What could they have done better?

Absolutely nothing could have been done better. I appreciate everything he has done and is still doing.

Paul's reply

Dear Linda it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Have a safe trip . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Looked to consolidate pensions and secure benefits in the best way, and to invest a lump sum

How has Paul Clifford helped you?

Paul collated all the information from different providers, conducted an in-depth analysis and has been proactive in identifying potential opportunities and weaknesses in the markets/funds.

Have you seen the outcome you were hoping for?

Yes I secured the benefits that were important to me, and my affairs are ongoing

What could they have done better?

I think all advisers, whether through an advisory or discretionary approach should articulate their fees to the prospective client (Paul did do this in respect of the pension transfer) because there is a significant amount of information to absorb and I think sometimes the fees are lost in the discussion - that might be overload on the client’s part but fees are an integral component of the process.

Paul's reply

Dear Melanie, thank you for taking the time to leave feedback on the service we provide to you. We (the whole team ) really do value client feedback as this helps us to continually improve in all areas . Please do feel free to contact me anytime should the need arise in between our scheduled review meetings , I will of course be happy to help. I very much look forward to seeing you again in due course. ( I haven't forgotten lunch ! ) Kind regards , Paul

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?

I had investments that were losing money, so I needed an independent advisor to invest better for me.

How has Paul Clifford helped you?

Paul talked me through what he was going to do, the probable outcome and the costs. In the years following, he has changed the investments according to my circumstances and current needs.

Have you seen the outcome you were hoping for?

Yes. My investments have shown a steady growth over the years, despite the ups and downs of the markets and my needs to withdraw money.

What could they have done better?

Nothing I can think of.

Paul's reply

Dear Vicky it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. As always feel free to contact me directly anytime between scheduled meetings should the need arise or to chat anything through, im always happy to help . Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Advised to seek an independent financial advisor by a respected work colleague as the company’s pension provider were not that helpful.

How has Paul Clifford helped you?

Very sound advice and he’s helped set up my pension requirements.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Dear Nick it was lovely to see you recently. Thankyou for taking the time to leave feedback on the service we provide to you. We (the whole team) really do value client feedback as this helps us to continually improve in all areas . I very much look forward to seeing you again in due course. Enjoy the Cruise Kind regards , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

We needed advice to help us look after pension pots

How has Paul Clifford helped you?

Found the best investment bond

Have you seen the outcome you were hoping for?

Yes very much

What could they have done better?

Don't think so

Paul's reply

Dear Jim thanks very much for taking th time to leave a service review ,we really do appreciate client feedback on the service we provide . I look forward to seeing you both again in due course. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Kent

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

Ru ninv a hotel I thought it wise to get financial advice

How has Paul Clifford helped you?

Guided us through the years to hit our retirement goals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very happy with service nothing more required

Paul's reply

HI Terry thanks for taking the time to leave a service review on our behalf , its very much appreciated and valued. I will pick up on the points raised when I see you next and forward diary the protection need mentioned. I look forward to seeing you all in due course. Best wishes, Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I had several pension pots that required bringing together and investing in a profitable scheme,

How has Paul Clifford helped you?

several pensions invested in one scheme. Paul and team always available for friendly advise.

Have you seen the outcome you were hoping for?

perfect, investment keeping ahead of schedule

What could they have done better?

Nothing, all good

Paul's reply

Dear Jeff ,thanks very much for taking the time to leave valued feedback on the service we provided to you , it is much appreciated. I look forward to seeing you both again in due course Best wishes Paul .

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Pension investments drawdown

How has Paul Clifford helped you?

Suggested funds. Also equity release advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

Paul's reply

Dear Janice , thanks very much for taking the time to leave valued feedback on the service we provided to you . I very much look forward to seeing you again soon. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Investing for retirement

How has Paul Clifford helped you?

Set up savings schemes

Have you seen the outcome you were hoping for?

Not totally due to pandemic and Russian invasion

What could they have done better?

Given the market not sure

Paul's reply

Dear John , thank you very much for taking the time to leave valued feedback on the service we provided to you both . I very much look forward to seeing you again soon. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I needed to transfer pension monies as a result of my divorce settlement

How has Paul Clifford helped you?

His knowledge, his expertise qnd friendliness has made my visits worthwhile. He has increased my knowledge of the financial market more.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything.

Paul's reply

Dear Tanya , thanks very much for taking the time to leave valued feedback on the service we provided to you . I very much look forward to seeing you both again soon as planned. Best wishes Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Financial mentoring

How has Paul Clifford helped you?

Streamlining my financial affairs.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

n/a

Paul's reply

Dear Aileen it was lovely to catch up recently with you and to see you looking so well. Thank you for taking the time to leave valuable feedback, its much apricated. I noticed on your responses you said we do not charge a fee ... all costs and charges are paid directly via the product rather than directly, I am please you have spoken to Jessica and hope you found my introduction helpful . Best wishes , Paul

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Retirement. Help to invest a lump sum and future financial planning.

How has Paul Clifford helped you?

By doing the above

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

Paul's reply

Hi Debbie it was lovely to see you recently as always and many thanks for taking the time to leave a service review on our behalf. Client feedback is greatly appreciated. Best wishes Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

I had a final salary pension which did not give me the flexibility to adjust my income in retirement. I considered transferring my final salary pension to one which provided drawdown and sought advice from a financial adviser.

How has Paul Clifford helped you?

Paul explained the process for transferring a final salary pension in detail and was able to give recommendations as to the most suitable pension plan for my needs in retirement.

Have you seen the outcome you were hoping for?

Yes, the performance of the pension plan has been good and I have been able to draw down the amounts I require together with tax-free lump sums.

What could they have done better?

Nothing at all.

Paul's reply

Dear Chris it was lovely to see you recently looking so well. I hope you enjoyed the weekend in Eastbourne and you both ..I hope managed to try the steam room and spa ! Thank you again for the very unexpected gift and taking the time to leave valued feedback on the service we provide. Best wishes, Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

The need to release money from property.

How has Paul Clifford helped you?

Very helpful advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

oothing

Paul's reply

It was lovely to see you both recently as always and I very much hope you enjoy that nice long holiday in the sun. Thanks for taking the time to leave a service review on our behalf, its really appreciated by us all . Best wishes Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Sussex

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

Pension planning

How has Paul Clifford helped you?

Yes

Have you seen the outcome you were hoping for?

A plan that will help me get there - yes

What could they have done better?

Difficult to say

Paul's reply

Dear Alnur thank you for taking the timer to leave a service review on our behalf, its very much appreciated. I look forward to seeing you again in due course ,Best Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Sutherland

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

retirement planning, pension and investment advice

How has Paul Clifford helped you?

explained what investments were, what the risks were, gave advice needed to make the right decisions

Have you seen the outcome you were hoping for?

yes, going well so far

What could they have done better?

nothing I'm aware of

Paul's reply

Thanks Ian for taking the time to leave a service review on our behalf . I very much look forward to seeing you both again in due course. Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I retired early and needed to access a pension pot

How has Paul Clifford helped you?

He arranged the transfer of the pot to a reliable investment company whose draw down product has enabled me to live happily until my state pension can be accessed next year

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Paul's reply

Lovely to see you both recently , thank you for taking the time to leave a service review , its really appreciated. Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

To transfer out of an employer pension fund into a personal drawdown scheme, then subsequently move a Section 32 pension fund into the drawdown fund.

How has Paul Clifford helped you?

Paul is very knowledgeable and has provided excellent advice that has helped us to take control and manage our pension fund

Have you seen the outcome you were hoping for?

Both pension funds were successfully transferred into a Prudential income drawdown fund, the fund has performed very well since it was opened.

What could they have done better?

Nothing that I can think of

Paul's reply

Dear Clive , thank you for taking the time to leave a service review on our behalf , its very much appreciated . Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Pension advice

How has Paul Clifford helped you?

Optimised investment

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very little

Paul's reply

Thanks Kevin for taking the time to leave a review on our behalf ,its very much appreciated ,Paul

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

Needed advice regarding my pension which I had had for quite a few years and Paul was excellent in advising me and going over all the details which I wasn't sure about. Excellent advisor

How has Paul Clifford helped you?

Yes. Excellent advisor Explains the outcome very well.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

None. Happy with everything

Paul's reply

Lovey to see you both as always and thank you for taking the time to leave a service review on our behalf, its very much appreciated.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in East Sussex

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

I was near to retirement and needed professional advice.

How has Paul Clifford helped you?

He has put my pensions into order and advised me on drawdown and investment.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

nothing .

Paul's reply

Thanks Pete for taking the timer to leave a service review on our behalf , I look forward to seeing you both again in due course.

Review from verified client

January, 2024

Overall