Reviewed for

Insurance and Protection ( 23 )

Mortgages ( 7 )

Pensions ( 227 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 150 )

Auto Enrolment ( 5 )

Investments and Savings ( 183 )

Pension Transfers - Non Specialist ( 49 )

Inheritance Planning ( 82 )

Long Term Care ( 33 )

Pension Transfers - Specialist ( 50 )

Financial Planning ( 96 )

Financial Mentoring ( 16 )

Financial Coaching ( 5 )

Reviewers' assets

£500k+ ( 51 )

£200k - £500k ( 49 )

£100k - £200k ( 26 )

( 3 )

Up to £50k ( 13 )

£50k - 100k ( 17 )

Client reviews

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Approaching retirement and moving funds away from company scheme

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Given solid advice on investments and future planning

What could they have done better?

I don't believe Paul could do more than he does

Paul's reply

Thank you for your latest review and feedback. It has been great to see your retirement take shape and your financial plans falling into place.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

I wished to retire early and sought out the best possible advice.

Have you seen the outcome you were hoping for?

Yes, I am more than happy if the advice Paul regularly provides.

How has Paul McFadyen helped you?

Paul has enabled me to have a regular monthly income for almost eight years now allowing me to enjoy the retirement that I sought.

What could they have done better?

I can think of nothing.

Paul's reply

It has been an absolute pleasure to assist with your plans. The team and I really appreciate your feedback. We also appreciate the various others you have put in touch with us, and it has been a pleasure to assist with their plans too. Thank you again.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Stirlingshire

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

Retirement and future planning

Have you seen the outcome you were hoping for?

Not quite but this has been explained in detail

How has Paul McFadyen helped you?

Providing a wider perspective

What could they have done better?

N/A

Paul's reply

Thank you for your feedback. I've really enjoyed getting to know you over the last year or so, and to be assisting with your plans. As we discussed recently, we are in the early days of your plan, and we'll keep things under close review as time goes on.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

I have had a financial adviser for years initially for my mortgage and more recently pensions and retirement planning.

Have you seen the outcome you were hoping for?

The advice received has worked well over the past years.

How has Paul McFadyen helped you?

Paul has given me sound advice with some pension transfer arrangement and the continued assistance with pensions and investments.

What could they have done better?

Nothing

Paul's reply

Thank you for your latest review. It is a pleasure to be assisting with your ongoing plans, and now plans for your wider family as well. We look forward to catching up with you all soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Lothian

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

I had multiple pension pots and was recommended to get in touch with Paul to bring my pensions into one pot and to benefit from his advice on pensions and financial security in general ahead of retirement.

Have you seen the outcome you were hoping for?

Most definitely

How has Paul McFadyen helped you?

My pension funds are now in one pot and he has continued to advise me as my financial circumstances have changed over the last few years given upcoming retirement.

What could they have done better?

Paul has offered me excellent advice so very happy with their services

Paul's reply

Thank you very much for your review and additional feedback that we discussed. It's an absolute pleasure to be assisting with your plans, and our summary of latest updates will follow shortly. Enjoy your forthcoming trip!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Needed Assistance. Couldn't do it myself.

Have you seen the outcome you were hoping for?

Yes.

How has Paul McFadyen helped you?

Given me the assistance I needed.

What could they have done better?

I thoroughly believe they are doing their best on my behalf.

Paul's reply

Thank you for your latest review and rating. It's a pleasure to be assisting with your plans. The team and I look forward to catching up with you again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Midlothian

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

We required assistance in setting up life insurance and critical illness cover as expectant parents.

Have you seen the outcome you were hoping for?

We are very happy with the policy in place, and are confident it will provide robust financial protection for our family.

How has Paul McFadyen helped you?

Paul took the time to meet us and understand our exact requirements. He clearly explained the process and answered all queries we had. The policy was then set up very efficiently. From start to finish, we were delighted with the service provided. We were even treated to a latte while discussing the policy!

What could they have done better?

We have no suggestions on improvement based on our experience.

Paul's reply

Thanks very much for taking the time to leave your review. You have various demands via your growing family and we really appreciate you doing this. It was a pleasure to sort out appropriate cover for your needs. Look forward to seeing you all soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in East Lothian

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

I was looking for Pension funds advice and management, including annuity options.

Have you seen the outcome you were hoping for?

Yes, the Pension funds advice and management I received was very effective.

How has Paul McFadyen helped you?

Paul described and discussed my options in detail, ensured I understood them and that advice given considers my individual circumstances in detail.

What could they have done better?

Very much more of the same.

Paul's reply

Thank you for your latest review and rating. These are very much appreciated. It's always a pleasure to catch up with you and we look forward to our next review meeting.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed financial advice on retirement planning and pensions

Have you seen the outcome you were hoping for?

Yes , not withstanding major events that have disrupted the market place

How has Paul McFadyen helped you?

Paul has got to know what I am looking for a adjusted advice accordingly

What could they have done better?

beaten the markets :)

Paul's reply

Thank you for your latest rating and review. Your feedback is very much appreciated. Your plans remain appropriate for the future, and let's speak soon to provide some further updates.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Getting near retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Sorted all issues we wanted covered.

Paul's reply

It has been a great pleasure getting to know you over the last year or so. Thanks very much for your valued feedback and look forward to speaking with you again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Long term investments to beat bank accounts and stay ahead of inflation.

Have you seen the outcome you were hoping for?

Generally, yes

How has Paul McFadyen helped you?

By providing investment proposal and tax assistance.

What could they have done better?

Happy with advice given

Paul's reply

Thank you very much indeed for your review and rating. It's our pleasure to be assisting with your ongoing plans, and we look forward to continuing to work with you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Withdrawal from company pension scheme

Have you seen the outcome you were hoping for?

Yes.

How has Paul McFadyen helped you?

He has guided me through the process and given me invaluable insight into my my financial future

What could they have done better?

Nil

Paul's reply

Thank you for your review and feedback; they're very much appreciated. We are due to catch up in the next few weeks, so will look forward to speaking with you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement

Have you seen the outcome you were hoping for?

Yes beyond my expectations

How has Paul McFadyen helped you?

Very much

What could they have done better?

No

Paul's reply

Thank you very much for your latest review. This is very much appreciated. It's been a pleasure looking after you over the last 10 years or so, as well as your wider family. There are a few ongoing points for us to discuss and we'll be in touch soon regarding these.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Early retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Investment management

Paul's reply

It's a great pleasure to be assisting with your plans, and thank you for your continued support. We look forward to catching up with you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Redundancy and potential to retire early

Have you seen the outcome you were hoping for?

Absolutely

How has Paul McFadyen helped you?

Paul has helped me understand my current and future financial needs and has helped me plan accordingly

What could they have done better?

Nothing, I'm more than satisfied with the service I've received

Paul's reply

Thank you for your review and ongoing support. It was great to see you recently and we hope to catch up again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Security for our senior years. Advice on forward planning.

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

With up to date advice.

What could they have done better?

At the moment, we don’t really think that there is any need for immediate improvement. The company has advanced with a more modern method of keeping the clients updated.

Paul's reply

Thank you very much for your review. We are committed to keeping things up to date as technology moves on, and glad you have found recent changes useful.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Approaching retirement.

Have you seen the outcome you were hoping for?

Yes, although market volatility due to global circumstances has been a worry.

How has Paul McFadyen helped you?

By investing 2 pension pots in reasonably safe markets.

What could they have done better?

Don’t know

Paul's reply

Thank you for your review, it's very much appreciated. If you have thoughts on how we could further improve value for money, please let us know about these.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Lothian

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

To be guided on early retirement

Have you seen the outcome you were hoping for?

I have been able to retire early, but savings aren’t doing as well as I hoped.

How has Paul McFadyen helped you?

By giving me confidence and advice.

What could they have done better?

Nothing I can think of.

Paul's reply

Thank you very much for your latest review and rating. It's an absolute pleasure to be assisting with various aspects of your plans. Following our recent meeting, we'll be in touch shortly regarding ongoing matters discussed.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Getting close to retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Helped me to retire at 58 years of age

Paul's reply

Assisting with your plans over the years has been a pleasure. It’s great to now see them coming to fruition. Thanks for your review and hope to see you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Argyll

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

Retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Paul always spot on with his information allowing us to make critical changes to preserve our pensions and investments.

What could they have done better?

Nothing continue to communicate the information if anything perhaps more updates.

Paul's reply

Thank you very much for your review. We have enhanced our advice and support teams this year, so are better placed to offer more regular updates to anyone who wants them. Please approach us any time if you’d like a chat.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Essex

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

I needed to move my DB pension, this requires specialist knowledge in dealing with a DB pension scheme.

Have you seen the outcome you were hoping for?

We are still going through the process of moving the pension but Paul and his team have so far exceeded my expectations.

How has Paul McFadyen helped you?

I now have a much better understanding of my future financial requirements

What could they have done better?

I really can't think of anything at this point. Paul and his team explain everything in detail and ensure I understand the next process.

Paul's reply

Thanks very much for your review. These are early days for you but we’re really glad you’ve had a good first impression. We expect to have further updates for you soon and can hopefully show some further value for money.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Needed to find the best way for our savings to work better for us

Have you seen the outcome you were hoping for?

Not yet investment was for a certain time

How has Paul McFadyen helped you?

He helped us make the right decision for us

What could they have done better?

Everything they done for us was excellent

Paul's reply

Thank you for your kind review and rating. It has been a pleasure getting to know you recently and we look forward to working together, keeping your new plans on track.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to ensure that the pension product I chose was the most suitable for me and would take into account my personal circumstances.

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

He helped me to look at a number of options and choose the one which best met my needs, He has also provided advice when my circumstances have changed.

What could they have done better?

Nothing.

Paul's reply

Thank you very much for your latest review and rating. These are very much appreciated. The team and I really enjoyed our recent review meeting, and look forward to further discussions with you in the new year.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Stirlingshire

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

Originally for financial help for my father and mother

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Paul has supported myself and my family members and always had our best interests first.

What could they have done better?

Nothing

Paul's reply

Thank you very much indeed for your latest review. I hope everything's well with you and that we will speak again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Redundancy and then becoming of a pensionable age

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Was able to advise a monthly living allowance on top of large cost items, ensuring I had savings to take me through to very old age. All outcomes were fully flexible, and are updated on a bi-annual basis which give me peace of mind.

What could they have done better?

n/a

Paul's reply

Thank you very much for your rating and for sharing your thoughts. I hope things are well and we should catch up in the next few months.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Previous advisor retired

Have you seen the outcome you were hoping for?

Early days

How has Paul McFadyen helped you?

Forward planning

What could they have done better?

Nothing

Paul's reply

Thank you for your review and rating. These are very much appreciated. It was great to see you again last month and no doubt we will speak again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Previous financial advisor was retiring

Have you seen the outcome you were hoping for?

Too early to know

How has Paul McFadyen helped you?

Discussed & advised on options for investing pension funds

Paul's reply

It has been really good getting to know you over the last few months. Updating your plan has been a pleasure and we expect further progress on these soon. Your review is very much appreciated and thank you again.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension transfer

Have you seen the outcome you were hoping for?

Absolutely

How has Paul McFadyen helped you?

Paul has been able to explain our options clearly and advise on the best course of action

What could they have done better?

Nothing

Paul's reply

Thank you very much for your kind review and rating. It has been a privilege to see your ideas become realities over the last couple of years.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Stirlingshire

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

Not having any real knowledge of the subject

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Paul has advised on what is best for me financially and the most tax efficient way for me to do things

What could they have done better?

Nothing

Paul's reply

Thank you for taking the time to leave your review and rating, these are very much appreciated. It's great to have been involved in organising your plans as well as keeping them on track.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Planning for retirement & saving for the future.

Have you seen the outcome you were hoping for?

Yes, retired as planned.

How has Paul McFadyen helped you?

Provided advice on savings, investments and pensions. Keeps us updated and monitors the performance of our investments.

What could they have done better?

We are perfectly happy with the service provided.

Paul's reply

Thank you very much for your rating and kind review. It's been great to see your plans come to fruition over the years. Hope to see you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Thought it sensible to seek advice on above aspects.

Have you seen the outcome you were hoping for?

Generally, yes, bearing in mind currently difficult circumstances.

How has Paul McFadyen helped you?

Initially, helped with overall review of requirements, including investment planning, potential care and funeral planning, tax efficiency and IHT, powers of attorney et al..

What could they have done better?

In general, nothing in most of the above aspects. The current context seems to make significant profits challenging ; advice being given seems sensible and pragmatic.

Paul's reply

Thank you very much for your review, and sorry that some of the background questions caused concern. I’m glad we managed to discuss and clarify these. If you have any further thoughts on how we could improve value, we’d be very happy to hear them. The team and I look forward to catching up with you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

To consolidate and manage our various investments

Have you seen the outcome you were hoping for?

yes

How has Paul McFadyen helped you?

He has pulled together our various investments into a 'Wrap' which allows us to draw a retirement income to meet our needs. This form of investment is easily accessible both to check performance and to obtain occasional lump sums.

What could they have done better?

Nothing springs to mind.

Paul's reply

Thanks very much for your rating and kind words. It has been a pleasure getting to know you over the last year or so. If you have any further feedback or areas we could improve on, we’d be delighted to discuss these. In any case we look forward to seeing you at your next review.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pensions

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Retired early

What could they have done better?

N/A

Paul's reply

Thank you for your latest review. As always, it’s much appreciated. Hopefully we will see you in the office again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Since the death of my husband I needed someone to advise me

Have you seen the outcome you were hoping for?

The advice was sensible and uncomplicated

How has Paul McFadyen helped you?

He pointed out my best options

What could they have done better?

I was perfectly happy with what he did

Paul's reply

Thank you very much for your review and comments. I'm glad to have been of assistance and very grateful for you sharing your thoughts.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I required advice Re investing a pension and redundancy

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

By regular contact and reviews

What could they have done better?

Unable to say

Paul's reply

Thank you very much for your kind review and comments. It's a pleasure to be part of your financial plans.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice pending redundancy from long term employer exploring option to transfer to private pension.

Have you seen the outcome you were hoping for?

Yes, absolutely. Gained invaluable knowledge & insight into pension options & potential outcomes fitting my personal circumstances & goals. All in a safe environment with absolutely no pressure.

How has Paul McFadyen helped you?

Paul took time to get to understand me & my goals. He then presented a way forward which helped lead me into early retirement with confidence & peace of mind. One of the best decisions I've ever made.

What could they have done better?

I'm completely satisfied with the service provided by Paul & the wider team, so I'm not sure how that could have been improved.

Paul's reply

Thank you for your latest review and feedback. These are very much appreciated. It's a pleasure to have helped with your plan so far and I look forward to our meeting in the next few weeks.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Near retiral age & getting on in years.

Have you seen the outcome you were hoping for?

I have used Paul & his predecessor for over 30 years & always found the whole team extremely professional.

How has Paul McFadyen helped you?

Paul has given advice on my will, setting up for both my wife I Power of Attorney .

Paul's reply

Thanks very much for your review, it's greatly appreciated. Sorry to have missed you today but I hope we can catch up again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Taking my pension as a lump sum

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

by looking after my pension fund and both my wife's and my isa savings

Paul's reply

Thank you very much indeed for your review and rating. It's a pleasure to be working with you and seeing your money work for you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Originally I was looking to secure a private pension and review options for savings and investments.

Have you seen the outcome you were hoping for?

Yes, outcomes are nearly always as expected

How has Paul McFadyen helped you?

He has always provided sound financial advice and recommended investment returns to date have performed well.

What could they have done better?

Hard to say as nothing readily springs to mind.

Paul's reply

Thank you for your latest review, which is much appreciated. Assisting with your plans over the years has been a great pleasure, and I look forward to continuing our relationship.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement planning was required.

Have you seen the outcome you were hoping for?

Yes.

How has Paul McFadyen helped you?

His advice and guidance.

What could they have done better?

Maybe a bit of shortbread to go with the cup of tea.

Paul's reply

Thanks very much for your latest kind review and rating. As always, these are very much appreciated. The team and I would be happy to hear any further thoughts on how we might improve value (however we've already organised shortbread!)

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I suffered an episode of ill health , from which I never fully recovered . Paul was on hand to assist with financial planning and monetary awareness to allow some form of financial security to myself and my family going forward.

Have you seen the outcome you were hoping for?

Yes , indeed , my health is currently stable , and financially we feel somewhat secure , and most important my family feel secure.

How has Paul McFadyen helped you?

Paul , has always made himself available , day , night and weekends . His response time is more than adequate , and is always extremely helpful . In particular , he always keeps my family up to date with recents government financial legislation appropriate to my family .

What could they have done better?

Nothing much , maybe a bi annual summary report might be helpful , but to be honest , if I was to request same , I know it would be provided !

Paul's reply

Thank you for your latest review, which is very much appreciated. It's a pleasure to be assisting you and your family, and I look forward to our forthcoming review meeting.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lancashire

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

I was taking early retirement and looking to transfer my pension so was needing advice

Have you seen the outcome you were hoping for?

Yes it has unfolded how I had hoped

How has Paul McFadyen helped you?

He took on board what I was looking for and advised me of a way to make it possible with a simple and easy way to understand

What could they have done better?

Not very much they dotted the i and cross the t

Paul's reply

Thank you for your review and kind comments. It was a pleasure to help with your plans initially as well as to catch up again recently. Please let us have any further feedback on how we might improve the value offered. Thanks again and we look forward to continuing to work with you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Someone to look after my pension fund

Have you seen the outcome you were hoping for?

It’s growing steadily

How has Paul McFadyen helped you?

Great knowledge and advice

What could they have done better?

Nothing

Paul's reply

Thank you very much for your review. It’s a pleasure to assist with your plans and look forward to continuing to work with you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

I had a sum of money to invest in a SIPP

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

By advising on my financial affairs.

What could they have done better?

Nothing really, they provide an excellent tailored service.

Paul's reply

Thanks very much for your review and continued support. Look forward to our next update meeting.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Poor performance of previous advice

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Clear and simple approach

Paul's reply

Thank you very much for your review and comments. These are very much appreciated. It was good to meet up earlier this year and hope to see you again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

I had numerous pensions accumulated over my career and the time had arrived to consolidate them to take control of them and make them more manageable and to start planning for a retirement.

Have you seen the outcome you were hoping for?

Totally met may expectations. The advice and analysis was tailored to my needs. Questions and queries are promptly answered. More importantly advice is given that is clear and understandable.

How has Paul McFadyen helped you?

I now have a SIPP provided by Paul McFadyen. Previously my various pensions were draining my time and were a worry. My pensions are no longer a cause for concern, and are now being properly managed with a retirement plan that is in place. This plan is flexible and I am reassured that with Paul McFadyen's continued advice, the pitfalls and costly mistakes associated with pensions will be avoided.

What could they have done better?

Provided me with reviews such as this one that would have enabled me to select Paul quicker as my adviser.

Paul's reply

Thank you very much for your kind review and detailed comments. These are very much appreciated and I've shared with the wider team. We'd welcome any suggestions you have on how we might improve value. When we first spoke, we did direct you to our website which links on to our review platforms, but on your feedback, we will now show future prospective clients where to find these. Thank you again for pointing this out.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

As I turn 60 I realised I had lots of pensions around and was looking to get advice regarding getting them all together or leaving them as is , also looking at investment projects

Have you seen the outcome you were hoping for?

Yes , absolutely delighted with the services /information provided . The advice has been literally life changing

How has Paul McFadyen helped you?

Paul's knowledge and professionalism was a big factor for me , also the personal touch nothing was a problem great advice and always available can't thank him enough.

What could they have done better?

Nothing

Paul's reply

Thanks very much for your review and kind comments. We have a few further updates for you and will be in touch shortly.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Lack of knowledge about my pension

Have you seen the outcome you were hoping for?

Better than I had hipef

How has Paul McFadyen helped you?

He has explained the best way to get the most out of my pension. Allowing me with his help to plan for my future retirement. The best thing I ever did was to get in touch with Paul regarding my pension.

What could they have done better?

Nothing the service is excellent and you leave feel you money is in safe hands

Paul's reply

Thank you very much for your review. It's very much appreciated. It was good to see you recently and will update you again shortly on the various points discussed.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension and retirement planning

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

By helping me to plan better for my retirement, understanding the tax implications and setting out a route map to get there

Paul's reply

Thanks very much for your review, ratings and kind comments. We will catch up soon and would really like any further feedback on how we can add greater value for you and your family.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Stirlingshire

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

retirement

Have you seen the outcome you were hoping for?

Yes - 100%

How has Paul McFadyen helped you?

Advice and guidance

What could they have done better?

nothing comes to mind

Paul's reply

Thank you for your review and latest rating. I hope everything's well with you and we should meet for a review fairly soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Financially on recommendations

What could they have done better?

Very Happy with Paul’s service

Paul's reply

Thanks very much indeed for your review and kind words. It has been a pleasure to assist with your retirement plans.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Preparing for retirement following redundancy.

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

He gave me clear professional advice.

What could they have done better?

Nothing

Paul's reply

Thank you very much for your review and kind comments. Hopefully catch up with you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Retirement

Have you seen the outcome you were hoping for?

Yes, totally

How has Paul McFadyen helped you?

Paul has been so patient in explaining the Pensions system to the uninitiated like myself. I wish Pension Companies would remember that we are not all accountants, and explain things in simple terms !

What could they have done better?

Nothing

Paul's reply

Thank you for your review, rating and kind words. I am conscious we still need to rearrange lunch following your special birthday, so let's speak soon!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Advice on transferring my pension to a SIPP

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Paul guided me the the process explaining the risks/benefits and ensuring I understood fully the implications of transferring my pension to a SIPP

What could they have done better?

N/A

Paul's reply

Thank you once again for your latest review! We are close to having all the details we've requested on your arrangements, so will be in touch very soon to progress discussions.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Upcoming retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

I am strictly non financial so Paul explained everything to my level

What could they have done better?

Nothing

Paul's reply

It has been a pleasure to assist with your plans so far and we've enjoyed taking away some of the hassle. Thanks for your review and we will get together soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Money from the sale of my mum and dads house after they both passed away

Have you seen the outcome you were hoping for?

So far yes

How has Paul McFadyen helped you?

Paul has helped reassure me and makes me feel confident with my investment

Paul's reply

Thank you for your review. It's a pleasure to be assisting with your financial plans.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Management of assets.

Have you seen the outcome you were hoping for?

Yes.

How has Paul McFadyen helped you?

Expert advice, tailored to my circumstances.

What could they have done better?

Nothing.

Paul's reply

Thank you for your latest review and rating. As always, these are very much appreciated. The team and I look forward to working with you and family for many years to come.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Retirement

Have you seen the outcome you were hoping for?

Absolutely

How has Paul McFadyen helped you?

With financial help in purchasing new house

What could they have done better?

No idea

Paul's reply

Thank you very much for your review and feedback. It was really good to see you this week and we look forward to continuing to work with you and family.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

pension transfer

Have you seen the outcome you were hoping for?

yes

How has Paul McFadyen helped you?

paul has help with tranfer and aftercare advice

What could they have done better?

nothing yet

Paul's reply

Thank you for your feedback, we really appreciate it and hope to see you again soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Financial security

Have you seen the outcome you were hoping for?

Yes definitely

How has Paul McFadyen helped you?

Advice & availability

Paul's reply

Thank you for taking the time to leave a review and rating. The Spectrum team and I really appreciate it, and look forward to catching up with you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Pension

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Giving us good advice

What could they have done better?

Nothing

Paul's reply

Thanks very much for your review and kind words, I hope to catch up with you both fairly soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Have ways had an advisor

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Excellent down to earth advise

Paul's reply

Thank you very much for your review and comments, they are very much appreciated. Following our chat on the phone just now, we'll be in touch shortly to confirm the main points discussed.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Complexity of pensions

Have you seen the outcome you were hoping for?

This is a long term investment but happy with progress so far.

How has Paul McFadyen helped you?

Clear concise explanation, good advice and taking the stress out of the paperwork.

What could they have done better?

Can’t think of anything.

Paul's reply

Thank you very much for your review and feedback. They're much appreciated and it's a pleasure to be working with you. I have your separate query and will be in touch shortly with thoughts.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had a L&G pension plan that I had hit retirement age on so needed to make a decays to what I was going to do. This then broadened to start thinking about overall retirement plans and pensions

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Paul has provided good consistent advice over many years now that has caused me to look at my pension arrangements, allowed me to retire earlier than I had anticipated and to arrange my funds in a way that I had never even thought about. I’m very happy with how this has all played out.

What could they have done better?

I’ve been happy with everything so not sure I can see anything obvious here

Paul's reply

Thank you very much for your review and kind comments. It's a pleasure to continue working with you. The team and I look forward to catching up with you soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Looking for financial advice

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Helped with mortgage advice, Will amendments and mortgage insurance.

What could they have done better?

Nothing to add

Paul's reply

Thank you very much indeed for your review. It's greatly appreciated.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Money to invest

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Good advice and a great knowledge of the industry

What could they have done better?

Not much

Paul's reply

Thank you for your review and kind comments. These are much appreciated and it's a pleasure to be working with you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Well myself & my husband are at an age & time in our life we're retirement & pensions really need to be spoken about.

Have you seen the outcome you were hoping for?

Yes with Paul's help & advise, we started put things into place re our pensions

How has Paul McFadyen helped you?

We actually opened up to Paul about our fears with regards to our old age & pensions it was like having our own fairy godmother, he took away our fears & helped us every step of the way with regards to us deciding about our pensions.

What could they have done better?

Nothing at all.

Paul's reply

Thank you very much indeed for your review and kind comments. It has been an absolute pleasure to help with your plans so far.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed advice about long-term investment and retirement planning.

Have you seen the outcome you were hoping for?

Yes, I have been very pleased with the performance of investments.

How has Paul McFadyen helped you?

Paul got to understand my family circumstances and needs and outlined options. Also, he has helped other family members.

Paul's reply

Thank you very much for your rating and kind comments. It's a pleasure for the team and I to be assisting you and your wider family. We are looking forward to our forthcoming catch-up meeting.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement

Have you seen the outcome you were hoping for?

The returns have been as I hoped

How has Paul McFadyen helped you?

I believe the Paul has minimised my exposure to loss

What could they have done better?

Nothing

Paul's reply

Thank you very much for taking the time and leaving your kind review. We are delighted to be working with you and look forward to chatting as planned in the coming weeks.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Years ago when I was considering retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Given me constructive and helpful advice

What could they have done better?

Nothing

Paul's reply

Thank you for your latest review and rating - they are very much appreciated. It was a pleasure to assist with your initial retirement plan as well as the ongoing discussions we've had since.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Early retirement

Have you seen the outcome you were hoping for?

Yes

How has Paul McFadyen helped you?

Greatly helped in enabling me to retire early

What could they have done better?

Nothing

Paul's reply

It was a pleasure to assist with your plans when you first left work, and of course to continue working with you. Thank you very much for your kind words and review.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Redundancy

Have you seen the outcome you were hoping for?

Yes and no. Financial market not so good at the moment

How has Paul McFadyen helped you?

Ivestnebting redundancy monies

What could they have done better?

Nothing really

Paul's reply

Thanks very much for taking the time to leave a review. It's very much appreciated. We are due to catch up early in the new year but please let the team or me know if you need anything in the meantime.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

To ensure that my family had professional advice to hand whilst making important decisions.

Have you seen the outcome you were hoping for?

Yes, Paul’s advice and support gave my family confidence in decisions made.

How has Paul McFadyen helped you?

Impartial advice, clarity on certain items and honesty.

Paul's reply

Thank you very much for your review and kind words. It was really good to catch up recently on your latest developments. I look forward to seeing you again soon to hear the latest!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

Retired early

How has Paul McFadyen helped you?

Made things easy to understand, looking after all your needs and going the extra mile when you ask for help

Have you seen the outcome you were hoping for?

Better. Pity the pensions are poor due to the state of the economy, as in 3 years have not seen any real progress on making any money from my pot

What could they have done better?

Not sure

Paul's reply

Thank you for your latest review. The team and I agree with your comments regarding markets and progress, but you have a robust plan suitable for the long term. We will catch up again soon but please just ask if you need to discuss anything meantime.

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has been helping me look at how best to utilise my savings and investments as well as helping to identify any additional pensions that I have accumulated aside from my main pension.

Paul's reply

Thank you for your latest review and rating. It was great to catch up recently and look forward to meeting again soon to discuss the ongoing points we're looking at.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Private pension via retirement

How has Paul McFadyen helped you?

Via continual communication Paul has reviewed and advised on best way to control our savings going forward.

Have you seen the outcome you were hoping for?

Initially yes however current worldwide financial situation not ideal.

What could they have done better?

Nothing as current caveats outwith control

Paul's reply

Thank you very much for your review and kind words. They are very much appreciated.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

To understand the process of pension transfer

How has Paul McFadyen helped you?

He provided me with information to help me make an informed choice and through the process transferring my company pension Since then he has worked closely with me to make sure that my drawdown has flexed to met my ongoing circumstances

Have you seen the outcome you were hoping for?

Overall yes - communication is open & informative

What could they have done better?

Nothing I am entirely happy with the service & relationship

Paul's reply

Thank you for your review and kind feedback. As always, these are very much appreciated. The team and I look forward to catching up with you soon.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

To make sure that all my affairs were in order and to ensure I was getting the best out of what I have

How has Paul McFadyen helped you?

Paul has helped by giving advice tailored to what I was looking for

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Thank you very much for your rating and review. Look forward to catching up with you soon.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Poor service from my previous adviser

How has Paul McFadyen helped you?

By going far and beyond what I expected

Have you seen the outcome you were hoping for?

Yes exceeded my expectations

What could they have done better?

Nothing

Paul's reply

Thank you very much for your review. It's very much appreciated. We are due to catch up in the next few months so I will look forward to our meeting.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in East Lothian

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Reviewed my portfolio and provided updates for active management of my pension investments.

Paul's reply

Thank you for your latest review and comments. They're very much appreciated and it's a pleasure to be involved with your ongoing financial planning.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I’ve been with the previous & now the new Company for many many years.

How has Paul McFadyen helped you?

In lots of ways & always at the other end of a phone if needed.

Have you seen the outcome you were hoping for?

Yes & hopefully in the next few years it will reap the rewards iam looking for?

What could they have done better?

I don’t really know?

Paul's reply

Thank you very much for your ratings and review. It's a pleasure to look after financial plans for you and your family, and look forward to seeing you all again soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Regular contact from Paul and arranged payout of funds from ISA. Nothing other required last year, however I know he is just at the end of the phone and I will require his assistance this year.

Paul's reply

Thanks very much for your kind comments. As you know, your review is now due so look forward to catching up soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Excellent service in amalgamation various pensions into one fund

Paul's reply

Thank you for your review and feedback. Hope everything's well with you and family, and we will catch up soon.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Various

How has Paul McFadyen helped you?

Good professional advise allowing me to make my own financial decisions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much

Paul's reply

Thanks very much for your feedback, it's much appreciated as always. We're overdue a catch up so hopefully see you soon.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

pension tranfer

How has Paul McFadyen helped you?

pension tranfer plus pension drawdowan and finacial advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Paul's reply

Thank you very much for your latest review. The team and I look forward to our review meeting this coming week.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking for tax advice on my savings

How has Paul McFadyen helped you?

Given me professional advice on pension planning and tax management

Have you seen the outcome you were hoping for?

I have now retired and I m seeing the result of many years of financial planning

Paul's reply

Thank you very much for your latest review and comments. We're due to catch up soon, so we will look forward to seeing you in the coming weeks.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was investigating the option of pension transfer

How has Paul McFadyen helped you?

He not only made the pension transfer process smooth & easy but has continued to help me plan for my future requirements

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

There is nothing I would change

Paul's reply

Thank you for your latest review and kind comments. As you know, these are always very much appreciated. We should catch up before the end of the tax year so will be in touch with a view to arranging a meeting.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

The family has always had a financial advisor and we have been with Paul in his two previous firms before he set up Spectrum

How has Paul McFadyen helped you?

He has always given sound and up to date advice and guided us within the financial system and what is best for us personally.

Have you seen the outcome you were hoping for?

Yes , as with all the markets , funds can go up and down but personally I’m happy with the results that myself and my sons have achieved

What could they have done better?

N.A.

Paul's reply

Thank you very much for your review and latest feedback. As you know, you were one of my very first clients when I became independent in 2009, and delighted to carry on a long-standing partnership started by my original firm. We have a few ongoing pieces of advice to finalise so will catch up with you and your family soon.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cumbria

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

Early retirement trandfer to drawdown

How has Paul McFadyen helped you?

Every step Paul advised and helped

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Thanks very much for your latest review. It's very much appreciated. It was a pleasure to meet you in person last year, following the barriers that Covid put up when we first started working together. We'll be in touch shortly to discuss your latest plans.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Investment and management of pension.

How has Paul McFadyen helped you?

Advice re distribution of funds, tax liabilities, provision of income.

Have you seen the outcome you were hoping for?

Yes, entirely.

What could they have done better?

Nothing.

Paul's reply

Thanks very much for your latest review and comments, they're much appreciated. Hopefully see you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Always on hand to give advice

Paul's reply

Thanks very much for your latest review and comments, they're much appreciated. We'll be in touch with a view to catching up before the end of the tax year.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul continues to provide us with an excellent service for all questions relating to our investment, Paul is always available for a chat and responds to any email enquiries quickly.

Paul's reply

Thanks very much for your review and comments. They're very much appreciated. As you know, we have a couple of updates for you, so will be in touch shortly.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has kept my finances under review and recently recommended a better /safer investment position.

Paul's reply

Thank you for your review and kind comments. The team and I look forward to seeing you soon when you come to visit us.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Continued pension advice

Paul's reply

Thanks very much for your latest rating and comments. The team and I really appreciate them, and look forward to seeing you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has been instrumental in helping me articulate my wishes into clear instructions that are now documented in my will. He has also helped me put in place Power of Attorney to ensure my finances and welfare can be looked after by my appointees if and when appropriate. As always, Paul has been both knowledgeable and approachable and offers a service which is second to none, while being extremely good value for money.

Paul's reply

Thank you very much for your latest comments and ratings. It has been a pleasure to help make sure your wishes are recorded correctly, and we look forward to finalising these documents with you. Hopefully we'll finalise these shortly and of course your other arrangements too.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

By continuing with his sound advice.

Paul's reply

Thank you for your latest rating and comments. I really appreciate them. Look forward to catching up in a couple of weeks.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

He has continued to give sound advice and is always on hand to give advice when required.

Paul's reply

Thank you for your review and ratings. They're very much appreciated. It would be great to know your thoughts on how we could improve the value for money offered. Hopefully catch up soon for your review and look forward to seeing you.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul and his colleagues at Spectrum Wealth Group continue to monitor my personal portfolio and those of my immediate family. Paul has shown due diligence in recently offering advice on the “ Restructuring of our Funds ” to maximise growth going forward. I am particularly pleased that Paul is always available to communicate from early to late in the day , which I perceive to be unusual in the Financial Industry. In offering advice , Paul is always able to substantiate his advice under questioning. It is particularly prevalent at the moment with continuing uncertainty in the markets that Portfolio funds are scrutinised . I believe Paul and his team do that on my behalf.

Paul's reply

Thank you very much for your latest rating and detailed comments. It's a pleasure to work with you and your family and I have enjoyed our recent discussions around updates. Look forward to catching up soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Argyll

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Continued to keep us updated on the ever changing markets and advising as to the best ways to safe guard or investments and savings.

Paul's reply

Thank you very much for your review and comments. It was good to catch up just before Christmas and look forward to seeing you again soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

In a very difficult time, he has attempted to stabilize and maintain a sound investment and savings basis by diversification and risk spread.

Paul's reply

Thank you for your latest review and comments. These are very helpful and much appreciated. Hope to catch up with you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has given valuable and prompt advice on trusts.

Paul's reply

I'm glad to have been able to help with your latest areas for discussion, hopefully to the benefit and comfort of your family. I look forward to our further discussion tomorrow and any further assistance we can offer or arrange.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Continues to advise me appropriately

Paul's reply

Thank you for your latest review and rating. I really appreciate you taking the time to update these. Look forward to catching up with you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Keeping in regular contact via emails advising on various monetary aspects, available by telephone, text or email to advise, most recently on aspects of a relative's will.

Paul's reply

It has been a pleasure to advise you recently on all of the areas you've mentioned. Thoughts continue to be with you following your recent bereavement. We look forward to seeing you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has continued to monitor my investments and has consulted me to ensure that they continue to be the most suitable for my current needs.

Paul's reply

Thank you very much for your rating and kind words. The Spectrum team and I look forward to seeing you for a more detailed update next month.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

keeping me up to date with investment and financial information

Paul's reply

Thank you for your review and rating. Alisha and I are looking forward to seeing you soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Supported me and provided information to me and my solicitor on the event of my husbands recent death. This facilitated easier and faster resolution of his estate .

Paul's reply

Thank you for your kind words and latest rating. It's part of our proposition to be available for our clients when they need us, so we're really glad to have made things a bit easier for you in recent months. The conversations with your solicitor were very helpful to all concerned. You've had a lot going on recently but hopefully we can meet up sometime soon.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul goes out of his way to keep us updated with our investment and we trust him to do his work in our best interest.

Paul's reply

Thank you very much for your kind comments and it was great to see you today.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Ayrshire

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

Needed to ensure savings and investments were made wisely and required to plan for retirement.

How has Paul McFadyen helped you?

Paul recommended suitable plans which consolidated existing poorly performing products into products that better suited my needs. He also provided detailed future savings/ expenditure charts which proved I could afford to retire and ensured my pension plan met the projections.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Can't think of anything.

Paul's reply

Thank you very much for your review and rating. It's always a pleasure to catch up and I really enjoy our chats. Your thoughts would be welcome on how we might improve value for money, so hopefully we can discuss this when we meet next week.

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul continues to provide excellent advice and also reviews my requirements keeping me feeling financially secure

Paul's reply

Thanks very much for your latest review and ratings. As you know, they're much appreciated. Look forward to seeing you soon.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Was nearing retirement age and wanted to review y options

How has Paul McFadyen helped you?

Helped me consider different options which allowed me to retire earlier than I had planned with more control over my pension.

Have you seen the outcome you were hoping for?

So far so good. Happy with decisions made

Paul's reply

Thanks very much for your latest review and ratings. Our promised updates, after recent review, will follow shortly.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Had a frozen company pension and looking to transfer into a personal scheme

How has Paul McFadyen helped you?

He advised me to transfer to new scheme

Have you seen the outcome you were hoping for?

At the time the advice was expected, market fluctuations have seen the investment be affected.

What could they have done better?

At the time, nothing he gave good advice

Paul's reply

Thank you very much for your rating and latest comments. It would be good to arrange a catch-up meeting soon.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was approaching retirement and was looking for sound financial advice. After previous experiences elsewhere, I found Paul to be very personable and professional unlike others in this field.

How has Paul McFadyen helped you?

Not earning money each month seemed like it would be a major challenge in retirement. Paul very quickly put my mind at ease on that score and has given sound advice ever since.

Have you seen the outcome you were hoping for?

Yes, even better than expected. Particularly during the turbulent times we're facing as a nation.

What could they have done better?

I'm willing for Paul to prove me wrong here, but I don't know of anything that he could have done better.

Paul's reply

Thank you very much for your kind comments and positive ratings. I'm sorry it has taken a little while to reply to these, but the Christmas break is the only time the team and I "shut down" properly for a couple of weeks. Your latest updates are in hand and we'll catch up soon.

Repeat review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

In what has been an unsettling year with the financial markets Paul has been very good in reassuring us that we have planned for the long term and not the short term. It has given us a great deal of comfort to know that we can continue to enjoy our retirement as planned.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement

How has Paul McFadyen helped you?

Advice on how to invest my money

Have you seen the outcome you were hoping for?

Yes I am happy with Paul’s advice in how to invest my money

What could they have done better?

I have complete confidence in Paul and his team

Paul's reply

Thank you for your review, it's a pleasure to be working with you. Look forward to seeing you soon.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

TO HELP WITH PERSONAL AND BUSINESS ADVICE

How has Paul McFadyen helped you?

PAUL HAS HELPED ME WITH EVERYTHING I HAVE ASKED HIM TO DO FOR ME

Have you seen the outcome you were hoping for?

YES

What could they have done better?

NOTHING

Paul's reply

Thank you for your latest review and kind words. It's an absolute pleasure and privilege to be advising you and your family. We have a couple of things to catch up on and will be in touch soon to discuss these.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was seeking advice on pension transfer when nearing early retirement .

How has Paul McFadyen helped you?

After a few face to face meetings , Paul provided a transfer package , highlighting the fors and against geared to my requirements for transfering the pension into a Drawdown .

Have you seen the outcome you were hoping for?

Since transfering the pension fund a few years ago it has performed well. Lockdown , Ukraine and the World economy has had an effect. However, some recent diversification has been applied to the fund in order to try and get through this difficult period.

What could they have done better?

Nothing. Paul and his team continue to provided ongoing advice and assistance.

Paul's reply

Thank you for your latest feedback and thoughts. As always these are very much appreciated. We're due to catch up soon so I will look forward to seeing you in the coming weeks.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

By keeping myself updated with the latest in the financial market Paul has constantly given constructive and valuable guidance on our investments especially in these last few turbulent years.

Paul's reply

Thank you for your review and comments. It's good to know that our suggestions in recent years are valued. Look forward to catching up with you soon.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice for myself & family been with the Companies for a very long time.

How has Paul McFadyen helped you?

Many varied ways too many to mention.

Have you seen the outcome you were hoping for?

Not yet obviously with the uncertainty in the World markets affecting Pensions & investments.

What could they have done better?

No.

Paul's reply

Thank you very much for your feedback and kind words. As always, these are appreciated.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

It makes sense to do so ; started planing when young.

How has Paul McFadyen helped you?

Helped to initiate a strategic overview when changing advisers.

Have you seen the outcome you were hoping for?

Generally very well at a difficult period.

What could they have done better?

Noting that I can determine.

Paul's reply

Many thanks for your further feedback. As you know, it's always a pleasure for me to catch up with you and put the world to rights! Look forward to seeing you again soon.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has helped greatly, even if only being there in the background for advice He has also provided advice to my daughter and son in law.

Paul's reply

Many thanks for your further review and feedback. It's always a pleasure to see you - and of course the various friends and family members you've introduced too. I look forward to catching up with you soon.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I required my pension updated

How has Paul McFadyen helped you?

Paul explained what I required to get my pension on track as well as projections for my finances in retirement

Have you seen the outcome you were hoping for?

Yes my pension is now on a solid footing.

What could they have done better?

I found his help along with his staff to be very good.

Paul's reply

Thank you very much for taking the time to leave feedback. I'm glad you've been happy with everything my team and I have done so far, and we look forward to continuing to work with you.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I’m now considering my exit strategy from work and Paul was highly recommended.

How has Paul McFadyen helped you?

Paul and his team have given me real structure, advice and guidance on what is required to both navigate the pensions minefield and build a fund for retirement.

Have you seen the outcome you were hoping for?

Yes, I’ve got a clear vision in what I need to do to have a stress free and happy retirement.

What could they have done better?

Not applicable, all advice pertinent to my concerns.

Paul's reply

Thank you very much for your rating and comments. These are very much appreciated. I'm really glad you now have a clearer vision and thinking towards an exit strategy. We can discuss these further as your plans progress.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul helped initially with a general review of investment planning and continues to offer sound advice, especially at a very difficult time.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Making sure that I am well informed on the market conditions connected with pensions. In fact has slightly changed a part of my portfolio to manage better under current conditions. Paul continues to inform and keep calm in these tough times. I feel a lot better with Paul at the helm and managing my business for me

Paul's reply

Thank you for your further review. It's a pleasure to be working with you and I'm glad you feel a bit better for having advice from my team and me.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has helped me to understand the best way to invest my money

Paul's reply

Thanks very much for your further comments. They're appreciated and look forward to catching up soon.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul continues to provide me with comprehensive documentation regarding my pension plan in advance of any meetings we have. In addition to face to face meetings he also makes himself available to answer any adhoc queries I may have.

Paul's reply

Thank you very much for your latest feedback. It's much appreciated and great to know you're happy with everything we are doing for you. The team and I look forward to seeing you again soon.

Repeat review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul is always available to assist on any question no matter how small or potentially insignificant. He is always totally professional yet replies are always quick, extremely courtious and given when necessary in simple layman terms. The understanding of my financial position is now clear and I feel more relaxed and in control of the situation thanks to Paul taking the time to personally coach me in these potentially perilous circumstances.

Paul's reply

Thanks for your review and kind words. It's always a pleasure to see you to discuss options and possible implications. Thank you also for referring your friends to us recently.

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was initially looking to transfer my workplace pension and have then worked with Paul to initiate drawdown.

How has Paul McFadyen helped you?

Paul has really got to know me and my personal requirements based on immediate and longer term requirements.

Have you seen the outcome you were hoping for?

Absolutely delighted with the outcome.

What could they have done better?

I can't imagine how Paul could have done better. He has invested his time in getting to know me and my family situation meaning that all advice and actions are tailored to my circumstances.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Need to transfer Final salary pension into a SIPP

How has Paul McFadyen helped you?

Skilfully and professionally reviewed my circumstances and evaluated that moving the pension to a SIPP was the right action for me and ensured it was safe to do so. Communication is prompt, accurate and honest, which is not always what you want to hear, but vitally important in this role. Paul now not only looks after my SIPP but supports all family financial matters, very comforting to know he is at the end of a phone. It is also comforting to know that if I were to leave this earth, my family would be in safe financial hands.

Have you seen the outcome you were hoping for?

Early days and investments roller coast but the general trend is moving in the right direction

What could they have done better?

Nothing

Paul's reply

Thank you very much for your comments and for taking the time to leave feedback. I've enjoyed getting to know you and already we're seeing a plan "come together" for you and your family. No doubt we'll speak soon on the next steps...

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Redundancy

How has Paul McFadyen helped you?

Paul was took time to understand my current position, my aims and my risk appetite and clearly explained options based on that.

Have you seen the outcome you were hoping for?

N/A Advice was planning and advice rather than new financial products

What could they have done better?

Nothing, Paul was polite, professional, quick, easy to understand and earned trust quickly. He succeeded my expectations.

Paul's reply

Thanks for your review and comments. I really enjoyed hearing about your background, aims and objectives. It's great to have helped you weigh up the options available so far.

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has continued to provide me with excellent financial information and advice when I have required it

Paul's reply

I appreciate you taking the time to write your review update. It's great to continue being part of your ongoing plans.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Aberdeenshire

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

To ensure monetary security

How has Paul McFadyen helped you?

Guidance on investments and tax efficiency

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Speed of transfers from third parties sometimes slow

Paul's reply

Thank you for your review and comments, they're very much appreciated. In terms of third parties, we share the frustrations that you sometimes experience. We will continue to push for our instructions to be carried out within acceptable timescales.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Pension advice.

How has Paul McFadyen helped you?

Arranged for all pensions to be put together. Good straightforward advice given. Easy to contact and he has a great knowledge of the investments.

Have you seen the outcome you were hoping for?

Yes very pleased.

What could they have done better?

Nothing all enquiries were well taken care of.

Paul's reply

Thank you for your much appreciated feedback. It's a shame that restrictions have applied over most of our time working together, but I hope we will meet face to face again soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I have been with Paul for many years. I was made redundant last year and also as I turned 60 with 2 small pensions due to be paid I required assistance with financial planning for the long term

How has Paul McFadyen helped you?

Paul gave me excellent advice on how best to maximise my redundancy payment and also reviewed my pensions. Paul set out a long term view for me which gave me confidence in him making my money work for me, moving a 3rd pension over to a different company to ensure I had full flexibility. Paul keeps in regular contact and over the past 9 months has regularly reviewed how my pensions and investments are working for me.

Have you seen the outcome you were hoping for?

Absolutely yes, and definitely exceeded my expectations. I didn't think for one moment that I could retire at 60 but with Paul's financial management I did.

What could they have done better?

Absolutely nothing and I do appreciate the regular updates and contact.

Paul's reply

I really appreciate your feedback and I'm delighted to have helped make your retirement happen. We're due to catch up soon and I look forward to seeing you.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had a financial advisor who was not pro-active.any information I wanted I had to chase them up

How has Paul McFadyen helped you?

From the time he took over my affairs he kept me informed of all aspects of my pension and investments.Very proactive

Have you seen the outcome you were hoping for?

Very much so results achieved were better than I expected

What could they have done better?

Can’t think what more they could have done

Paul's reply

It's always a pleasure keeping you updated. Thank you for taking the time to leave your feedback.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed someone to manage my pension fund so I didn't need to worry about it.

How has Paul McFadyen helped you?

He amalgamated my different pension pots, invested it where he knew I was committed (Sustainable Funds), and explained to me what was going on. He arranged drawdowns when I asked.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing really, very satisfied.

Paul's reply

Thank you for your review and feedback. I really appreciate you taking the time to leave these.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Paul

We are relatively new to Paul’s portfolio and find Paul to be very professional and knowledgeable as a financial advisor. We have found Paul to be very friendly and approachable which cascades down to the team in the new office. We look forward to continue working with Paul in the future.

Paul's reply

Thank you very much for your comments. I look forward to our continuing work together, too.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

We contacted Paul for advice on financial planning for the future.

How has Paul McFadyen helped you?

He advised us on our pensions and looked at our overall financial position.

Have you seen the outcome you were hoping for?

He gathered the information, fed back the information and gave advice. We valued his efforts and valued his advice.

What could they have done better?

Nil

Paul's reply

I'm glad to have been able to assist and it has been a pleasure getting to know you. Thank you for your kind comments.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Pension advice with a view to early retirement

How has Paul McFadyen helped you?

Paul took the time to explain the risks and benefits of transferring/combining various pensions. I feel I have a better understanding of my financial position.

Have you seen the outcome you were hoping for?

Not taken the plunge to retire yet but happy with the advice given by Paul and feel I have more control over my financial future.

What could they have done better?

Nothing

Paul's reply

Thank you for your review and I look forward to seeing you again very soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Cumbria

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

Early retirement

How has Paul McFadyen helped you?

Great help and advice to let me realize my ambition

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

It's been a pleasure assisting with your plans so far. I'm glad we were able to move things forward for you despite the pandemic. Hopefully we'll have a "real life" meeting this year!

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Coming up for retirement I wanted to make sure I took the best decisions for my circumstances.

How has Paul McFadyen helped you?

He set out the options available and how they would work

Have you seen the outcome you were hoping for?

Yes, I feel I have full understanding of my options and how to use them to my benefit

What could they have done better?

None I can think of

Paul's reply

Thank you very much for your review and comments. They're very much appreciated. Look forward to seeing you both again soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

As a business owner I was looking to invest part of my salary for later in life. The advice that I received from my Financial adviser Paul has stood me in good stead for over 10 yrs and continues to prosper.

How has Paul McFadyen helped you?

In planning ahead during difficult times

Have you seen the outcome you were hoping for?

yes, while its been a difficult few years I am pleased with the outcome.

What could they have done better?

I do not think that they have done any better.

Paul's reply

Thank you for your comments. I've enjoyed working with you and seeing your plans progress over the years.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Increase in income and wanted to start discussing strategies on saving, investing and understanding tax.

How has Paul McFadyen helped you?

Helped me optimise pension payments vs. tax bills Advice on long term planning Giving me a sense of different strategies and considered where I was right now and advice as of now but also starting to think about next stages once achieved initial goals. Gave me a much better understanding of how to consider finances.

Have you seen the outcome you were hoping for?

Yes

Paul's reply

Thank you for your comments. It was a pleasure to meet you last year and I look forward to progressing our discussions.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Advice needed for long term financial planning

How has Paul McFadyen helped you?

Paul helped by firstly getting to understand my requirements and outlining the risk/reward potentials, then discussing the options available and helping me to clarify a way forward

Have you seen the outcome you were hoping for?

So far yes, but this is based upon a long term perspective

What could they have done better?

Nothing really, I have found that Paul is professional, he knows his job and he is very good at what he does

Paul's reply

Thank you for your review and comments. They're much appreciated and I look forward to seeing you again soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking for a review on my financial situation and a detailed projection on how and when I would be able to retire.

How has Paul McFadyen helped you?

He completed an in-depth review of my financial situation and created a comprehensive projection of how my investments would support me in future.

Have you seen the outcome you were hoping for?

Yes. I was delighted at the outcome of the review and I was very impressed with not only his knowledge but his ability to explain things really clearly to me and my wife. I was very pleased with the personal touch he used by really trying to get to know us, know exactly what we wanted our future to look like. I felt that the outcome fully recognised not only our current situation but also what we considered to be vital in the coming years but short and long term.

What could they have done better?

I can’t think of anything I would have changed.

Paul's reply

Thank you very much for your review and detailed comments. It has been a pleasure getting to know you and building your plan. I look forward to continuing to develop this with you.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice

How has Paul McFadyen helped you?

Reviewed pensions and advised accordingly

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

N/A

Paul's reply

Thanks for your review and look forward to seeing you soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in East Lothian

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

I needed active management of investments for retirement, with forward planning and pension expertise.

How has Paul McFadyen helped you?

They have provided regular updates and guidance on investments, in line with my pension and retirement goals.

Have you seen the outcome you were hoping for?

This has resulted in the aims I currently have, with good investment values in line with expected market levels.

What could they have done better?

They provided the advice I needed with market level fees. Over time, developing a preferential charging structure may help with loyalty.

Paul's reply

Thanks for taking the time to provide your feedback. I look forward to our next update where we can discuss the point you've raised.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Approaching retirement and needing advice on how best to use pensiyfunds.

How has Paul McFadyen helped you?

Provided advice on 3 separate pensions.

Have you seen the outcome you were hoping for?

Yes, lump some invested under Paul’s guidance is doing well.

Paul's reply

Thank you for your comments. It has been a pleasure assisting with your pensions.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Early retirement

How has Paul McFadyen helped you?

Sound advice on my pension and all financial matters, delivered in a friendly and approachable manner.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing

Paul's reply

Thanks for your review and kind feedback. I'm glad you found us friendly and approachable.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Argyll

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

As i was fortunate to have a good salary that aloud me to save, I was advised by my bank to look for a financial advisor.

How has Paul McFadyen helped you?

Paul has been my advisor for a number of years and helped me with investments and savings, long term planning of pensions, and pension transfers

Have you seen the outcome you were hoping for?

Yes as I have just retired the investment and saving plans Paulhas advised me on has provided and met my expectations.

Paul's reply

It's great to see your retirement plans coming together. Looking forward to the next phase of working together.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was seeking to access my private pension.

How has Paul McFadyen helped you?

Paul provided me with all the help and advice needed and recommended where my best pension options lay.

Have you seen the outcome you were hoping for?

I would have to say that the outcome as surpassed what I imagined.

What could they have done better?

I honestly can think of nothing that could have been done better.

Paul's reply

I've really enjoyed being part of your retirement plans and it's always great to hear your feedback. Thank you.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Requirement to plan for my retirement

How has Paul McFadyen helped you?

Paul have helped me over many years with my Financial Planning

Have you seen the outcome you were hoping for?

Overall the outcomes working with Paul have been good

What could they have done better?

Nothing comes to mind

Paul's reply

It has been a privilege to assist you with various technicalities and planning considerations over the last 11 years. Thanks for your feedback and I look forward to our forthcoming update.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Wanted advice on my pensions & savings

How has Paul McFadyen helped you?

He advised me on best possible deals at the time in regards my pensions & savings

Have you seen the outcome you were hoping for?

Yes, had a good return on my investments over the years

What could they have done better?

Not much, very happy with the srevice provided

Paul's reply

It's great to hear that you're happy with our service. Many thanks for your comments and review.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I was looking to secure and increase my pension provisions and to assist with general financial planning

How has Paul McFadyen helped you?

He advised on securing my private and work pension into one source. He has also given my sound advise on my savings accounts and ISA's

Have you seen the outcome you were hoping for?

My pensions are now under one provider and get regular updates on how they are performing.

What could they have done better?

Not really, all provisions went to plan. So far, so good!

Paul's reply

Thank you very much for your comments and feedback. It's always a pleasure to catch up with you and I look forward to our next update.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Paul

zoom call only great meeting

Paul's reply

Thanks for your comments and rating. It's a shame that our discussions so far have had to be via Zoom, but hopefully we can meet in person sometime soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Stirlingshire

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

To manage my parents finances and investments

How has Paul McFadyen helped you?

Paul has been there from day one supporting not just my mother but my whole family.

Have you seen the outcome you were hoping for?

Better than I expected

What could they have done better?

Nothing

Paul's reply

I have loved working with you and your family over the years. Your feedback is much appreciated and I hope to catch up with you soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

As well as needing long-term savings advice, I needed good advice regarding pensions as I needed to ensure my contributions over the years would work well for me during retirement.

How has Paul McFadyen helped you?

Paul took the time to understand my needs, perform a risk assessment and provided options and suggestions that met my requirements.

Have you seen the outcome you were hoping for?

Yes. I now have a sound plan for the future and a pension that will keep me living comfortably during retirement.

What could they have done better?

I don't think there is anything to note.

Paul's reply

It has been great working with you on your retirement plan and I look forward to seeing it progress for you.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Advice re private/works pension

How has Paul McFadyen helped you?

He was great explained things fully and in layman's terms (very helpful) to us Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Thank you for allowing me to assist with your plans and it's great to hear that my comments are so helpful.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Potential transfer of final salary pension

How has Paul McFadyen helped you?

Paul’s advice was excellent and made it a lot easier to understand. I was particularly struck with the impartiality of Paul’s advice and genuinely felt he had my best interests at the forefront at all times.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

I genuinely can’t think of anything that could have been done better

Paul's reply

It has been a pleasure getting to know you and developing an understanding of your thoughts and needs. It's great to hear that our discussions have been helpful.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

My Dad & I always had our pensions etc with the company before Paul joined.

How has Paul McFadyen helped you?

Many various reasons.

Have you seen the outcome you were hoping for?

Yes,getting to retirement age I will need him more for advice.

What could they have done better?

Not sure to be honest.

Paul's reply

It's a pleasure to be working with you and your family. Many thanks for your review and comments.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

I have had financial assistance for many years for my mortgage, personal savings and pensions.

How has Paul McFadyen helped you?

Paul gave me exceptional advice and assistance on incorporating my various company pension plans, money saving policies and personal savings into a single manageable platform.

Have you seen the outcome you were hoping for?

Yes extremely pleased with the advice and outcome of my finances.

What could they have done better?

Nothing that I am aware of.

Paul's reply

Thank you for your review and comments. It's a pleasure to be working with you and ensuring that your arrangements remain manageable.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

We felt that we needed advice with savings and long term financial planning. We preferred to seek help from an independent adviser who would be able to offer more suggestions without being tied to those on offer from a particular bank or building society.

How has Paul McFadyen helped you?

Paul explained various options in simple terms, enabling us to make informed decisions relevant to our particular circumstances.

Have you seen the outcome you were hoping for?

Having followed advice given by Paul, we are now both retired and are still able to live comfortably as a result of his support over the years.

What could they have done better?

We are completely satisfied with the help and advice received to date.

Paul's reply

Thank you for your comments. It has been an absolute pleasure to see your plans move from early discussions to fruition with you both retiring. I look forward to working with you on the next phase of your financial journey.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

RUNNING A BUSINESS

How has Paul McFadyen helped you?

PAUL HAS HELPED ME IN ALL FINANCIAL MATTERS

Have you seen the outcome you were hoping for?

YES

What could they have done better?

ABSOLUTELY NOTHING

Paul's reply

It is a pleasure being involved with financial planning for you and your business. I appreciate you taking the time to share your thoughts.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

We have always had a plan to retire early.

How has Paul McFadyen helped you?

We have been with Paul for over 20 years and he has ensured that our goals have been on track.

Have you seen the outcome you were hoping for?

Yes - we happily retired last year

Paul's reply

It has been great to see your plans develop over the years. You were one of my very first clients and it is an absolute pleasure to continue working with you.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Early retirement options

How has Paul McFadyen helped you?

Paul was amazing Knowledgeable professional and reassuring

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Absolutely not

Paul's reply

Thank you for your comments and I'm really happy to hear that my input has been so reassuring.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Inheritance money

How has Paul McFadyen helped you?

He advised the best course of action

Have you seen the outcome you were hoping for?

Not yet as still awaiting for the sale of a house to receive the money I am going to invest

What could they have done better?

N/a

Paul's reply

It has been great getting to know you over the last few months and I look forward to further discussion of appropriate plans for your future.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

I was thinking of setting up a SIPP.

How has Paul McFadyen helped you?

He advised me on SIPPs.

Have you seen the outcome you were hoping for?

Yes, all positive so far.

What could they have done better?

Nothing really, it’s been a friendly service, Paul is always ready to help.

Paul's reply

Thank you very much for your comments. I always enjoy catching up with you and look forward to seeing you again soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Husband’s retirement

How has Paul McFadyen helped you?

A lot of ways give us good advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Paul's reply

Thank you for your review. I have really enjoyed working with you and assisting in various aspects of your plans so far.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

To provide advice on a pension transfer.

How has Paul McFadyen helped you?

Paul helped us to understand the benefits and potential drawbacks of transferring my pension and clearly explained this complex subject to enable us to make an informed decision on our future.

Have you seen the outcome you were hoping for?

Yes, we are extremely happy with the outcome.

What could they have done better?

Paul has kept us advised at every stage, and been available on the phone when we have had questions. I don’t think there is anything that could have been done better.

Paul's reply

It has been an absolute pleasure getting to know you and developing a detailed understanding of your views. There have been various stages to the advice process - so your quick and detailed responses to my questions have helped towards us making things as smooth as possible. I look forward to the next stage of seeing your ideas become realities.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Midlothian

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

Arranging life and critical illness cover

How has Paul McFadyen helped you?

Paul arranged the required cover very efficiently and professionally. He was happy to talk us through the cover in jargon-free terms which was very helpful.

Have you seen the outcome you were hoping for?

Yes, we have the cover which we were looking for. This was arranged with minimal fuss.

Paul's reply

Thank you for taking the time to provide your review. It was a pleasure discussing everything with you and I'm delighted to have made the process as smooth as possible for you. I look forward to catching up with you and family soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I have known Paul for over ten years . Paul’s introduction to me , coincided with a period of ill health , which at the time , caused me and my family a period of uncertainty.

How has Paul McFadyen helped you?

Paul was able to assess my financial situation and offer me advice , which at the time allowed me to concentrate on my recovery .

Have you seen the outcome you were hoping for?

Indeed I have , ten years on , my health has stabilised, and my finances remain on course to allow me the standard of living I had always anticipated.

What could they have done better?

There is nothing really . I remain aware of the current financial issues , and Paul is always available , as a “sounding board “ for discussion , on these issues.

Paul's reply

It has been an absolute pleasure to work with you and your family. I look forward to continuing our relationship and happy to be your sounding board any time!

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Paul has been the family financial advisor for a number of years , having guided both my parents financial matters before their deaths as well as my own and he is on the 3rd generation with my two sons.

How has Paul McFadyen helped you?

Being constantly up to date with the financial movements Paul is able to give professional advice in which we have trust in . He offer us the options open to us as well as the pros and cons of it all.

Have you seen the outcome you were hoping for?

Yes , especially in these last few years of uncertain times. The investments that we all have seem to be growing steady and hopefully will continue to do so .

What could they have done better?

N.A

Paul's reply

Thank you very much for your kind comments. It has been an absolute pleasure to work with your parents, yourself and of course now your sons as well. All the best for the year ahead and I look forward to catching up soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Lothian

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

I was planning on taking early retirement and needed advice on how to make this a reality.

How has Paul McFadyen helped you?

Paul assisted greatly with the planning of my early retirement which enabled me to achieve my goal. He gave me the confidence that was required to proceed with this.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing. Everything was handled in a professional and friendly manner.

Paul's reply

It has been a pleasure working with you over the years and it's great to read how the plans we agreed gave you such confidence. I look forward to our update in the coming weeks and many thanks again.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

pension advice

How has Paul McFadyen helped you?

pension transfer

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Paul's reply

Thank you for taking the time to provide your rating. It's great to receive such positive feedback. We're due to catch up fairly soon and I look forward to our next discussion.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Wanted to retire early

How has Paul McFadyen helped you?

Gave me information in what options I had available

Have you seen the outcome you were hoping for?

Yes I retired 10 years ago and have been financially fine

What could they have done better?

Nothing I was totally satisfied

Paul's reply

Many thanks for taking the time to share your review and thoughts. It has been great working with you and seeing your retirement take shape.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Ayrshire

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

Expert advice. Easy contact. Excellent support staff.

How has Paul McFadyen helped you?

Savings and retirement planning.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

Nothing at all.

Paul's reply

Thank you for taking the time to share your thoughts and feedback. It's very much appreciated by both me and the Spectrum team. We look forward to seeing you again soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was seeking expert advice on pension options as I considered early retirement.

How has Paul McFadyen helped you?

Paul reviewed my Pension portfolio and explained clearly the options and any risks associated with transfering . He ensured I understand the process fully. At no point was there any feeling of having to make a rushed decision.

Have you seen the outcome you were hoping for?

Yes , I have been able to take early retirement and enjoy the benefits of a Drawdown Pension.

What could they have done better?

Nothing

Paul's reply

Thank you very much for your kind words. It has been a pleasure to be part of your retirement planning and to see your thoughts become realities. All the best for 2022 and I look forward to catching up soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking for a more flexible pension option to enable me to make the most of my pension as I approached retirement age.

How has Paul McFadyen helped you?

Paul took me through all of my options explaining in great detail any risks attached to transferring my pension ensuring I fully understood and was was comfortable to continue with the process.

Have you seen the outcome you were hoping for?

Absolutely, I can now look forward to enjoying an earlier than anticipated retirement with more control of my pension pot.

Paul's reply

It has been a pleasure getting to know you and helping set some of your plans in motion. I look forward to continuing to work with you and seeing more of your ideas fall into place. Thanks for your kind words and hope to see you again soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had several pensions from different providers and I needed advice about the best thing to do with them, taking into account my circumstances.

How has Paul McFadyen helped you?

Paul was able to get information from the providers and give me options about how I could proceed.

Have you seen the outcome you were hoping for?

Yes. I am very happy with the outcome of the advice.

Paul's reply

Thank you as always for your feedback and review. It is a pleasure to be continuing to work with you and hopefully we can meet fairly soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Looking for alternative to what was current adviser.

How has Paul McFadyen helped you?

Professional attitude to issues requiring evaluation ; added others that helped with comprejhensive overall planning.

Have you seen the outcome you were hoping for?

Better than expected interms of overall outcomes.

What could they have done better?

nothing comes to hand.

Paul's reply

Thank you for your kind feedback. It's been great working with you over the years and a pleasure to bring the various additional suggestions to our agenda. I look forward to catching up with you and your family soon.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Renfrewshire

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

Being made redundant and looking to maximise my pension options

How has Paul McFadyen helped you?

Paul gave clear and considered information over a number of meetings before I reached any decision to act. There was no pressure or rush to reach an initial decision and I've found that throughout our relationship. I have time to digest and consider all the information presented before any action is taken. All scenario planning g is very personalised to my situation not generic which gives me confidence.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

There is nothing g at this stage that I can identify that would improve the service I've received

Paul's reply

Thank you very much for your feedback and review. I have really enjoyed getting to know you and building appropriate recommendations that meet your needs. Looking forward to catching up again soon and developing the next phase of your plans.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

An outstanding amount of referrals from friends .

How has Paul McFadyen helped you?

Paul was very in-depth at reviewing our financial situation and has pointed us in the right direction.

Have you seen the outcome you were hoping for?

Retirement is definitely on the horizon thanks to Paul’s planning.

Paul's reply

It has been great to speak and meet with you over the last few months, and I look forward to progressing our conversations as appropriate to meet your needs.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Making plans for retirement and looking for advice and information regarding pensions and current insurances and savings

How has Paul McFadyen helped you?

By taking time to get to know us and to understand our needs and priorities going forward and by providing clear and concise information to allow us to make decisions

Have you seen the outcome you were hoping for?

Yes now much more informed and moving forward with actions

What could they have done better?

Nil - we have been more than satisfied with the service we've received

Paul's reply

It has been a pleasure getting to know you, your plans and your priorities. I look forward to continuing our discussions and seeing things progress for you and your family.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I wanted to invest money to allow me to retire early.

How has Paul McFadyen helped you?

Paul advised me on every aspect regarding cashing in an old pension pot and investing it.

Have you seen the outcome you were hoping for?

Yes. I have now retired and getting a draw down from my investment.

What could they have done better?

Nothing.

Paul's reply

It was great to be involved in turning your ideas into realities. Nadeen, myself and our team look forward to continuing our relationship with you. Thank you for your kind feedback.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Redundancy( and potential early retirement for myself) and early retirement for my partner

How has Paul McFadyen helped you?

We were looking for Pension and retirement planning advice and Paul certainly did not disappoint. Paul advised us on Multi asset fund choices, Pension advice which actually lead to a tax reclaim from HMRC and also retirement projections and forecasts. Paul was very diligent with his services and fast and efficient with any questions or enquiries that we had (which were many) I would have no hesitation in recommending Paul to friends, family & Colleagues … which I have already done.

Have you seen the outcome you were hoping for?

Still in the process of working through these services with Paul

Paul's reply

It has been a pleasure to meet and work with you, and I look forward to progressing our discussions in due course. Thank you for taking the time to leave your feedback.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

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

Early retirement and managing my resources including private pension

How has Paul McFadyen helped you?

Paul gave me expert advice, including a wealth management plan to course my future needs and expectations. He also helped me maximise my tax return by topping up my pension with my recent redundancy money.

Have you seen the outcome you were hoping for?

More that hoped for. Paul went well far beyond my expectations. I feel my wealth projections and management are safe in his hands.

What could they have done better?

They over reached my expectations, so I honestly cannot think of anything they could have done better.

Paul's reply

Thank you for your kind words and feedback. It has been a pleasure to work with you over the course of this year, and I'm glad we were able to switch from video meetings to "real life" at an early point in our discussions.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I'm now starting to think about my 'work exit strategy' and with that in mind feel that a financial adviser of Paul's mindset and skill base is the missing knowledge gap to allow me to pull a plan together for retirement.

How has Paul McFadyen helped you?

Paul has been very helpful with regards to pension advice, overlooking current/future financial commitments and for guidance in how best to make my money work for me.

Have you seen the outcome you were hoping for?

Paul has pulled together key points to consider in planning for my 'work exit strategy' and as such has put structure around plans for my future.

What could they have done better?

The lines of communication between Paul and myself have remained open, fluid and concise so in terms of what could be done better I am happy with the service provided to date.

Paul's reply

Thank you for your comments. It has been great to work with you; I look forward to developing our discussions and your plan.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to explore flexible pension options that could allow me to retire earlier than my current scheme would have allowed.

How has Paul McFadyen helped you?

Paul talked me through all options available to me and was very clear in explaining risks versus benefits when considering transferring out

Have you seen the outcome you were hoping for?

Absolutely! I can now plan for a future utilising a drawdown pension allowing me greater flexibility

What could they have done better?

Nothing, their service was outstanding

Paul's reply

Thank you for your review and feedback. It has been a pleasure getting to know you over the last few months, and we look forward to continuing to work with you for many years to come.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Ayrshire

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

I was looking for advice and Paul was recommended

How has Paul McFadyen helped you?

He gave me the best advice on what to do with my pensions

Have you seen the outcome you were hoping for?

Yes

Paul's reply

Thank you for taking the time to provide your review. I'm glad to have been able to help and look forward to continuing to do so.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Paul

Although Paul wasn’t able to help me on this occasion (due to me living in the US) he took his time to look into the regulatory aspects of my request and respond with useful information. I’d have no hesitation in contacting Paul in the future for other financial needs that are less restricted by where I currently live.

Paul's reply

Thank you for taking the time to provide your feedback. I hope you have had success in finding an appropriate specialist for your needs.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul continues to be in touch regularly to assist with any new concerns I may have.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Updated pension advice. Consulted regarding tax liability.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Yes and the service was very much as before.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in East Lothian

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has reviewed my SIPP portfolio and given solid evidence-based advice to retain the current investments and that the volatility from Brexit and Covid-19 will take time to settle. We agreed that the FTSE 100 should really be running at around 7,000 and so keeping investments steady and awaiting stability at that kind of level is a sensible tactic. Paul gave good advice on my required tax-free draw down timing, ensuring that my 2020 withdrawal was completed at a market high.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Paul

Very professional, friendly and helpful, explained different products and services clearly. I was very impressed and gained very useful information during our conversation along with links to useful videos. I do not need his services at the moment but would recommend him.

Paul's reply

Hi Karen, great to speak with you and I'm delighted to have been able to offer some useful information. Very best wishes! Paul

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Covid prevented f2f contact but Paul maintained the same level of contact electronically this year. Keeping me advised of pertinent information. I continue to be very happy with the level of personal financial advice provided.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul continues to give excellent advice so I continue to feel secure that I have received excellent financial advice

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Yes, with business life assurance

First impression from a user who is not yet a client

December, 2020

Overall

Please provide a brief comment about your experience with Paul

Very clear information

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has helped with advice regarding my ongoing pension and obviously due to the pandemic some of my concerns.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has followed up with retirement projections and additional information.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cumbria

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Keeping me up to date on all aspects of my investment

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Although I've not had any reason to have one to one contact with Paul since my last review, I am confident that he and his colleagues will continue to monitor and manage my pension portfolio in my best interests.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Argyll

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul is always there when required. His advice is solid and too the point. He has a friendly demeanour and cares about his clients.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

He has kept us informed and updated throughout this very difficult year

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Since transferring funds from a DB scheme to a drawdown platform, Paul has regularly reviewed with us how the funds are perform and given suggestions as to how to fine tune the investment schedule and most efficient way to take our cash out as needed. 2020 obviously an unusual year with COVID-19 and a lot of market turbulence but at the time of writing we are happy how we have come out of the year.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has given us advice on realising funds for the purchase of our new property. He has also given my husband excellent advice with regard to investments for his elderly mother.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

AS well as the above Paul also helped with an investment for 2 of my nieces.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

On our last meeting /financial review, Paul was able to assure myself on how mine and the boys investments were performing and on what savings we still had after a recent withdrawal. The main purpose of our meeting was for Paul to update my Will and to do a Power Of Attorney for my two boys to have for me. This he has done and will hopefully now be processed in due coarse. Paul has successfully advised my late mother ,myself and my two boys in all our important financial matters through-out the years , and it is a comfort and reassurance that he hopefully will continue into the next generation.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cumbria

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

Retiring early, wanted to take CETV and Paul's reviews were great. After speaking to him on a couple of occasions my initial decision to go with him proved correct

How has Paul McFadyen helped you?

Paul was extremely helpful with advice and help through the whole process and we have become friends

Have you seen the outcome you were hoping for?

Yes, Paul was excellent and I wouldn't hesitate to recommend him in fact I already have

What could they have done better?

Nothing

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Paul

Paul has helped me understand my financial position and options, and has been very patient also!

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in London

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

Looking at retirement - possibly partial - earlier than previously assumed because of the impact of Coronavirus in my business sector.

How has Paul McFadyen helped you?

Guidance on Consolidation of several pensions,

Have you seen the outcome you were hoping for?

Too early to give definitive answer to this question i’m Afraid.

What could they have done better?

Nothing.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Lothian

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has since provided a comprehensive review of my finances and has been on hand to deal with any ad hoc queries I have had.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Argyll

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Always readily available to give advice re my pension drawdown. Patient, professional and friendly.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has continued to provided full support and advice during the Covid Pandemic lockdown.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul has provided advice which has helped with my confidence that I am on the correct track

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was in the position of having access to my pension pot

How has Paul McFadyen helped you?

Paul assessed the transfer value,investigated my needs and preferences for the future,advised me whether to transfer and dealt with the administration of all the financial communications

Have you seen the outcome you were hoping for?

At this stage (the very beginning) it is not possible to know for sure what the outcome would lead to in terms of value for money but if projections materialise then the outcome would certainly appear to be favourable

What could they have done better?

I am not aware of anything that could have been done better. A lot of time and effort was evident during the proceedings. Paul was very patient, understanding and professional at all times.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Transfer of CETV pension benefits.

How has Paul McFadyen helped you?

Paul advised that the best outcome would be for the benefit to remain in place until normal retirement age.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

There nothing that could have been done better, I am very happy with all the advice given.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

As before always at the end of the phone for 9am to 9pm help & any advice needed.He will phone or e-mail regularly to Keep me updated.

Paul's reply

Hi David Thanks very much for the review and comments. I look forward to catching up with you all soon. Paul

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

My personal health circumstances remain unchanged , and Paul continues to assist with advice based on long term and short term aims . It is always difficult looking forward , after a health scare , but between Paul’s outlook and my own, I think we strike the correct balance .

Paul's reply

Hi George Thanks very much for your further review and comments. I look forward to catching up again soon. Paul

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension transfer

How has Paul McFadyen helped you?

Gave me advice on my options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Stirlingshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Continued support and advice

Paul's reply

Thanks, again, Ian. Hopefully catch up soon. Paul

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Ayrshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Always available at the end of a phone. Prompt service when required. Also a very personable young man.

Paul's reply

Hi Paul, Thanks for your further review, once again, it's very much appreciated. I look forward to catching up soon. Paul

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Had review this week.

Paul's reply

Hi George Thank you for your latest review and comments. I look forward to speaking with you again soon. Paul

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Paul

Paul’s advice was excellent and more than anything I felt he was extremely impartial and genuinely had my interests at heart. Would thoroughly recommend him

Paul's reply

Hi Gary Thank you very much for your review and comments. I really appreciate you taking the time to write these. Keep me updated and very best regards, Paul

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Paul

Paul was great, listened carefully and explained things clearly

Paul's reply

Hi Sheila I really appreciate you taking the time to write a “first impression,” thank you. I look forward to catching up again soon, Paul

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lancashire

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

pension

How has Paul McFadyen helped you?

helped by explaining everything simple and easy

Have you seen the outcome you were hoping for?

pension still in the process of trafer

What could they have done better?

nothing

First impression from a user who is not yet a client

June, 2020

Overall

Please provide a brief comment about your experience with Paul

Excellent

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

Due to retire wanted advice on pensions.

How has Paul McFadyen helped you?

Paul helped me to navigate through the pension maze and explain it in plain English.

Have you seen the outcome you were hoping for?

Still in the process but getting there due to exceptional circumstances at present.

What could they have done better?

I should have consulted a good financial adviser like Paul many years ago.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Renfrewshire

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

leaving long term employment and wanting to maximise potential pension income

How has Paul McFadyen helped you?

honest, frank advice after thoroughly getting to understand my personal circumstances and requirements

Have you seen the outcome you were hoping for?

Not yet - early days but happy with progress to date

What could they have done better?

There's nothing that could be improved on to date

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Considering retirement

How has Paul McFadyen helped you?

Feedback and advice was specific,, timely and easy to understand

Have you seen the outcome you were hoping for?

Yes. So far so good.

What could they have done better?

Greater onus on the upgrading of data available via suggested agreed format.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was seeking advice about transferring my final salary pension in to a sipp

How has Paul McFadyen helped you?

Paul explained the process and ensured I understood the risks as well as the potential rewards of transferring from a final salary pension.

Have you seen the outcome you were hoping for?

In terms of what is within my own, and succession wealth's control, yes.

What could they have done better?

I am completely happy with the advice and service provided by Paul and therefore an unable to offer any feedback that works improve the service I have received.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

After becoming parents we started to plan for the future.

How has Paul McFadyen helped you?

Paul sorted out multiple pensions we had and put them into one pension pot. Paul also made sure our pension was complaint for auto enrolment. He offers good advice which is easy to understand.

Have you seen the outcome you were hoping for?

We are not of age to retire yet but the pension pot is growing which is a good sign.

What could they have done better?

Very happy with Pauls advice and I know he's always there to answer any questions we have.

Repeat review from verified client

January, 2020

Overall

Advice

Service

Value

Based in East Lothian

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul continues to give solid evidence-based advice on my pension investments in line with my retirement plans, and has helped with moving funds to reduced risk for tax-free pension draw down, and investment changes to improve performance for further withdrawals next year.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Dunbartonshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

We had to release funds to finance our purchase of our new home in a very tight time scale. Paul organised and ensured that the required funds were deposited into our bank account in time and responded to all questions from our solicitor diligently ensuring the smooth completion of the transaction.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul is always there when I need help and advice and helps me plan my finances so that I feel secure

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

By continuing to provide friendly knowledgeable advice pertinent and personal to my circumstances. This tome in particular concerning inheritance planning.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was seeking to retire at age 55.

How has Paul McFadyen helped you?

Paul was entirely honest about what he could do for me and clearly outlined any costs upfront.

Have you seen the outcome you were hoping for?

Absolutely. My pension pot remains relatively stable despite monthly withdrawals.

What could they have done better?

I honestly cannot think of one thing Paul could have done better.

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Paul and his team are always there to answer any questions and is always able to provide answers along with specialist assistance where required.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Midlothian

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

Life Insurance, Critical Illness cover, Will Service and Trust.

How has Paul McFadyen helped you?

Paul helped my wife and I set up our Life Insurance, Critical Illness cover, Wills and Trusts. He was extremely helpful, attentive and efficient throughout and we would recommend his services to anyone. In particular, my wife and I had only a limited understanding of the products and services and Paul made time to talk us through them in plain terms (no jargon!).

Have you seen the outcome you were hoping for?

We were set up on our desired products with minimal fuss and with great efficiency. Therefore we have seen the outcome we were hoping for.

What could they have done better?

We were entirely satisfied with the service received and cannot think of any obvious constructive suggestions.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Transfer of Pension

How has Paul McFadyen helped you?

By advising on transfer out option into alternative investment

Have you seen the outcome you were hoping for?

Early days, but so far so good

What could they have done better?

He was very thorough and comprehensive, explaining the step to step process in good detail

Repeat review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

This review is a follow-up review from a client who left a review previously.

How has Paul McFadyen helped you since your last review?

Help me with investments and drawdowns

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

The need to transfer company pension and amalgamate with personal plan to a more suitable platform.

How has Paul McFadyen helped you?

Assisted with the transfer of all assets.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I am aware of.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

I HAVE BEEN WITH PAUL FOR QUITE A NUMBER OF YEARS NOW AND CONSIDER HIM A TRUSTED ADVISOR TO KEEP ME UP TO DATE WITH MY INVESTMENTS AND SAVINGS AND MY LONG TERM CARE - HE HAS ALWAYS BEEN VERY UPFRONT WITH ME AND I HAVE EVERY CONFIDENCE THAT HE AND THE COMPANY ARE DOING THEIR VERY BEST FOR MY FUTURE WELFARE

How has Paul McFadyen helped you?

PAUL ALWAYS GIVES ME THE POSITIVE AND NEGATIVE POINTS FOR ME TO CONSIDER AND HAS ALWAYS ADVISED ME WISELY IN MY INVESTMENTS. ALSO HE TELLS ME PROCEDURES IN SIMPLE LANGUAGE THAT US LAYPEOPLE WILL UNDERSTAND - AND THAT IS VERY IMPORTANT !

Have you seen the outcome you were hoping for?

YES ! AND CONTINUE TO DO SO

What could they have done better?

I CANT THINK OF ANYTHING - AS I KNOW IF I HAD ANY - HE WOULD BE ON THE PHONE TO ME TO HELP - AND VISIT IF REQUIRED

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice

How has Paul McFadyen helped you?

Reviewed current pensions and provided great advice with regards to how to maximise this for my retirement.

Have you seen the outcome you were hoping for?

It’s a longer term plan so not as yet but confident I will.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Following a previous poor experience with a different company and fast approaching retirement, I needed a financial advisor who was genuinely interested in my future planning. Paul was recommended by a colleague of my wife, who had already retired.

How has Paul McFadyen helped you?

After meetings to understand my plans and future expectations, Paul prepared a proposal for consolidation of my three separate pension funds and an investment strategy that should deliver for my future. Following my agreement, Paul enacted the plan and has managed the investment since then, providing regular reviews.

Have you seen the outcome you were hoping for?

Yes, I'm now happily retired and confident my future income requirements are well managed with investments outperforming my expectations.

What could they have done better?

I can't think of anything during the two and a half years of Paul's support that could have been better.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

We always planned for an early retirement.

How has Paul McFadyen helped you?

Paul has given good advice on investments and savings and helped us towards our goal.

Have you seen the outcome you were hoping for?

Yes - everything on track.

What could they have done better?

Not much - Paul has been regular with his updates and advice.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

Closing of final salary pension scheme

How has Paul McFadyen helped you?

Over several meetings Paul was checking with us exactly what we wanted was correct for us before taking any action.Then putting a package together for me which will give me the cash do do what I have planned just now and in the future.Very informative and knowledgeable

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing Paul was very thorough.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Initially Pension Advice

How has Paul McFadyen helped you?

Paul explained in great detail the information that I was looking for.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Paul has a wealth of knowledge and I couldn't be happier with his advice. Paul has always been happy to help me.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Seeking advice on transferring pensions , the advantages and disadvantages. Also planning for retirement.

How has Paul McFadyen helped you?

Paul provided very good advice and took time to recommend what best suited my requirements regarding the fund transfer. He is always very prompt at replying to any questions I may have.

Have you seen the outcome you were hoping for?

Yes. The fund is performing as expected at this time

What could they have done better?

Noting comes to mind. Based on the time I have known Paul I consider him to provide a very proffesional service in a friendly manner .

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking for advice on the best way to manage my savings and plan for retirement

How has Paul McFadyen helped you?

Paul provided very good advice over a number of years that has positioned me well financially for my retirement

Have you seen the outcome you were hoping for?

yes - tax efficient , well invested savings plan

What could they have done better?

I am not aware of anything significantly he could have done better

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

I wanted my savings to give me a better return than my rates in the bank

How has Paul McFadyen helped you?

I found Paul to be very helpful and reassuring in any conversations or meetings l have with him l

Have you seen the outcome you were hoping for?

I have been satisfied with the results in my dealings with Paul so far and confident in our relationship in the future l

What could they have done better?

I am confident in taking advice from Paul concerning my financial affairs

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

Tax rules, pension rules and efficiently managing a mortgage are just too complex to do without professional help.

How has Paul McFadyen helped you?

He provided advice about moving savings that weren't efficient to offset our mortgage whereby it now effectively pays for itself. He has also provided great advice on investments that are doing well along with re-arranging pension funds giving me the confidence that I will have enough to live on in retirement.

Have you seen the outcome you were hoping for?

Yes, totally.

What could they have done better?

I really can't think of anything.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cumbria

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

Advice from a family member.

How has Paul McFadyen helped you?

With long term investments that suit my circumstances the best.

Have you seen the outcome you were hoping for?

Yes. Very happy to date

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Paul

Listened and recommended appropriate strategies

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Approaching retirement, we needed guidance on the best use of our savings.

How has Paul McFadyen helped you?

Paul has spent time getting to know us, and has therefore made recommendations that suit us. He is always very prompt when replying to any small query we might have, and has consistently been efficient.

Have you seen the outcome you were hoping for?

We have indeed, and now have confidence that our money is working hard.

What could they have done better?

Paula has more than fulfilled our expectations.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

To compile a long term financial strategy for the years ahead

How has Paul McFadyen helped you?

By discussing my personal and financial circumstances and the various options for me, which thereafter allowed me to to make informed choices

Have you seen the outcome you were hoping for?

Initial results have shown to be very positive

What could they have done better?

Nothing springs to mind, Paul is very professional, knows his business and is good at what he does. That about says it all!

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed advice about investing my modest lump sum on retirement.

How has Paul McFadyen helped you?

As requested, he found low risk investment opportunities for me. He gave clear reasons for is choices.

Have you seen the outcome you were hoping for?

Yes, considering the low interest rates in recent years.

What could they have done better?

I was completely satisfied with his approach and advice.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Wanted to consolidate several pension pots into one Drawdown Scheme.

How has Paul McFadyen helped you?

By making sure that a Drawdown Scheme was right for me ,and making me aware of the advantages and disadvantages of this type of scheme.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Argyll

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

First VA

How has Paul McFadyen helped you?

Great advice

Have you seen the outcome you were hoping for?

Most definitely yes

What could they have done better?

Just an all round every day family man

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to be mortgage free and bring all 3 of my pension schemes together and have more control over them.

How has Paul McFadyen helped you?

He talked me through all options available, the advantages and disadvantages to help me come to a decision. As this was a big decision for me to make, Paul was happy to go over things until I was comfortable with the information he provided.

Have you seen the outcome you were hoping for?

Yes, I have paid my outstanding mortgage in full. Early days to comment on my investments.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Dunbartonshire

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

my husband and i have been in business with Paul`s firm since 1972 with great results and advice

How has Paul McFadyen helped you?

Paul has been a good friend and advisor in all financial dealings

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing everything is top class

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pension advice

How has Paul McFadyen helped you?

Paul was very helpful informative explained everything clearly and kept me up to date on all of his actions he is very approachable and easy to talk to

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I really don't think Paul could have done any more for me

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement management.

How has Paul McFadyen helped you?

Paul listened very carefully to my requirements and my lifestyle and hobbies,also my family circumstances.I feel he took all these into account when guiding me to the best outcomes for my particular needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I think Paul provides an honest, professional service.He listens very carefully to what is being said by his client,so I don't think there is anything that could have been done better.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

Professional Advice, for over 10 years.

How has Paul McFadyen helped you?

Advised on best options based on risk assessment

Have you seen the outcome you were hoping for?

During difficult times and uncertainties, steady growth.

What could they have done better?

I do not think that Paul could have achieved any better results, my cautious approach has restricted his creativity.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Ayrshire

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

For long term planning for the family’ s investments and for professional advice.

How has Paul McFadyen helped you?

Paul has got to know myself and my family and our circumstances 100% therefore I trust the guidance and advice that he offers.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can honestly say nothing as all his information has been great and Paul has always been attentive at all times.

First impression from a user who is not yet a client

November, 2019

Overall

Please provide a brief comment about your experience with Paul

Paul keeps me updated regularly and is quick to reply to any questions, very quickly felt at ease and confident of a positive outcome.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Renfrewshire

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

Retired required advice on investing lump sum to generate a income

How has Paul McFadyen helped you?

After identifying my objectives advised on the plans available to achieve my set goals.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I have no criticism Paul was extremely patient

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

On advice from a family member

How has Paul McFadyen helped you?

Provided comparisons of private medical insurance products, helped arrange Income Protection cover, Stocks & Shares ISA set up, management of private pension, ongoing advice for future pension investment

Have you seen the outcome you were hoping for?

Yes, so far products are performing well

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Paul

Paul explored my attitudes and wants from life before expounding on what he could offer for my situation.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking for advice for pension,savings,funds,inheritance planning as my current adviser was retiring and he suggested Paul and as far as I am concerned he was spot on.Paul has turned out to be a extremely efficient adviser.

How has Paul McFadyen helped you?

Paul helped me in all the areas I have ticked above.

Have you seen the outcome you were hoping for?

Yes I am extremely happy with the advice and income I have received with Paul’s handling of mypension,saving funds. I never write reviews but felt I had to because if you where looking for advice Paul your man.

What could they have done better?

I can’t think of anything he could have done better.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Previous advisor never gave me updates or advice for future planning

How has Paul McFadyen helped you?

Reviewed all my existing investments,savings and pension and advised me of more profitable and efficient ways of making my money work for me

Have you seen the outcome you were hoping for?

Yes exceeded all expectations

What could they have done better?

Don’t think there is any more he could have done for me

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Early retirement and wanted advice on pension pot

How has Paul McFadyen helped you?

Paul gave us a few options on what was available and helped us decide what was best for our needs

Have you seen the outcome you were hoping for?

We have only just arranged the investment it will be later before we will be able to see the outcome

What could they have done better?

No Paul was very helpful

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Renfrewshire

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

I was approaching 55 years of age and was looking to access my works pension.

How has Paul McFadyen helped you?

Paul McFadyen provided all the information I required in order to make an informed decision as to what pension type best suited my circumstances. As well as providing pension information he was able to advise me with regard to some properties I own and the income they provide.

Have you seen the outcome you were hoping for?

I am aware that my pension plan is to be considered a long term investment but early indications appear favourable.

What could they have done better?

I am very happy with all that has been done to date.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Had a number of different pension plans from various sources and needed advice on consolidating and what we sensible given my medical history.

How has Paul McFadyen helped you?

He was able to get transfer values and to calculate whether I was better taking the final salary pension or consolidating the funds into a SIPP

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Have POA for my mother and was looking to streamline her financial affairs.

How has Paul McFadyen helped you?

Was able to explain the options and how it would affect mum in the future

Have you seen the outcome you were hoping for?

It is still in progress

What could they have done better?

Nothing comes to mind.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

Having a financial adviser has always been part of a service that has been in the family for the last 2 generations. The family rely on the guidance and professional advice that is offered by an adviser and knowing that we have the security of the law behind us.

How has Paul McFadyen helped you?

Paul has ,over the years, taken the time to get to know us as an individual family and our own personal circumstances. He is fully aware of our income and outgoings as well as our attitude to risk assessment so is ideally suited to advise and help us.

Have you seen the outcome you were hoping for?

On the whole, yes. At times ,savings have been a bit stagnant due to the financial climate but I've been happy overall with our investments.

What could they have done better?

I can honestly say absolutely nothing. Paul is very approachable and easy to talk to,gets all the facts together before advising then makes sure that you understand all that you are committing too. He is very thorough with the paperwork and the service aftercare as well.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Had some money to invest and was looking for advise.

How has Paul McFadyen helped you?

He gave us all the different areas, that we could invest in and the level of risk.

Have you seen the outcome you were hoping for?

Yes, starting to see a return to the investments.

What could they have done better?

There is nothing that comes to mind. We are kept up to date, given late appointments and found him very easy to contact at any time.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Argyll

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

Change of job

How has Paul McFadyen helped you?

Very helpful with pension advice and basically advised on pros and cons. He thereafter set up my pension to suit my needs.

Have you seen the outcome you were hoping for?

Yes most definitely

What could they have done better?

No complaints

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Lothian

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

Held a large amount of disposal cash at one point which I sought to invest.

How has Paul McFadyen helped you?

Provided options on investment opportunities based on personal risk tolerance on initial sum which extended to later advise on mortgage services, tax and pensions. Provided advice to ad hoc queries on other services, all within an expedited timeframe.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

A minor point: financial costs are made clear in the contact upfront on investments. For additional clarity I would recommend such costs are made explicit annually in direct communications to client and in context of portfolio.

Paul's reply

Thanks very much for your review which is very much appreciated. Ongoing costs have for a while been confirmed in percentage terms however for added clarity our new process includes converting these to monetary terms as well. I have also contacted you directly to explain this and we can of course discuss further at any time. Thanks again Paul

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Dunbartonshire

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

I have always been aware of saving for an enjoyable retirement , and fortunately with Pauls assistance in past years I was looking to be in a position to achieve my aims . However five years ago , I unfortunately suffered a period of ill health , which to some extent “ short circuited” my long-term plans .

How has Paul McFadyen helped you?

This episode created me some short-term nervousness but Paul was able to reassure me by graphical analysis , and other charts , that my long term plans would remain relatively unaffected . This alowed me to relax somewhat , and concentrate on the recovery of my well-being.

Have you seen the outcome you were hoping for?

I have seen that potentially , my pension is on track to achieve my personal outcome when I eventualy choose to drawdown my funds.

What could they have done better?

I do believe that there is not much more Paul , could do. He and I , have our Annual Reviews , and Paul is always contactable to assist with any queries I have after listening to various Financial Analysis within the media , usually answering promptly , at all times of day.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

needed to find a new home for some DC funds that needed tying up and also then started to look at bigger picture for a DB scheme I was a member of.

How has Paul McFadyen helped you?

Paul helped find a new investment vehicle for DC funds and started to review options for DB scheme. Over a few years we reviewed options and it opened me up to being able to retire earlier than I had originally planned and transfer funds out of DB scheme as this was providing me much more of what I wanted.

Have you seen the outcome you were hoping for?

So far so good but still early in the overall cycle

What could they have done better?

Paul was actually very accommodating and would often meet us at weekends as I was too busy on weekdays which was much appreciated. Sometimes he maybe appears a little nervous in making proposals but having known him for a few years now I'm satisfied he knows his stuff

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

My Dad used the Company for many years & Paul took over his & my Portfolio.

How has Paul McFadyen helped you?

In very many ways,too many to mention.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

None

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Argyll

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

Wanted to transfer am occupational pension.

How has Paul McFadyen helped you?

He gave me sound advice re pros and cons of transferring my pension; kept me informed through every step of the process.

Have you seen the outcome you were hoping for?

Yes, fully.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

Creating my own SIPP

How has Paul McFadyen helped you?

Gave me professional advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really

Review from verified client

November, 2018

Overall

Value

Advice

Service

Based in Lanarkshire

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

I was looking for guidance and advice on what my pension plans could offer.

How has Paul McFadyen helped you?

Paul spent time over a few meetings listening to my requirements and then explained what options were possible. He provided me with good sound advice , easy to follow & understand.

Have you seen the outcome you were hoping for?

Yes, once I had decided what best suited my needs , Paul managed to conclude the transfer of my pension in a matter of weeks .

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Stirlingshire

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

Post-retirement financial planning

How has Paul McFadyen helped you?

Regular monitoring of existing investments and advice on further investments

Have you seen the outcome you were hoping for?

Yes, having received consistently good advice

What could they have done better?

Nothing comes to mind

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cumbria

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

Mainly investment

How has Paul McFadyen helped you?

The best way for me to invest. Planning ahead.

Have you seen the outcome you were hoping for?

Yes He covered all aspects which are in my interest.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Ayrshire

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

Impending retirement

How has Paul McFadyen helped you?

Paul allayed many of my fears and concerns about my financial requirements in retirement .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

This is certainly not applicable

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Looking for new adviser with husband after leaving former one.

How has Paul McFadyen helped you?

Clear, helpful and comprehensive advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No. However, Paul now part of larger company and it is hoped that there will be no constraints on his services in the future.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Dunbartonshire

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

Looking for new adviser after leaving another.

How has Paul McFadyen helped you?

Very clear, helpful and pragmatic advice with very quick and responsive views on questions raised. Trustful and conscientious.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing so far. However, original company now part of larger one and it will be interesting to see how its principles and business advice help to maintain current standards and help.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

Plan to retire in 2019 coupled with potential redundancy from current company at end of 2018.

How has Paul McFadyen helped you?

Fully explained complications on tax, redundancy, savings etc at this time of my life. Suggested best way to manage these topics.

Have you seen the outcome you were hoping for?

Only been dealing with Paul over last few months so still early in process.

What could they have done better?

Initially explained options etc in more layman terms. Now being done.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Renfrewshire

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

I decided to retire and I wanted to take my final salary pension and invest in drawdown so that I could leave my kids money when I died.

How has Paul McFadyen helped you?

Paul took me through the process

Have you seen the outcome you were hoping for?

Not as much as I had hoped. I did not take any money from my SIPP for over 1 year hoping to let my investment grow however, it lost money during this time.

What could they have done better?

Not sure.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lanarkshire

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

I was looking to set up a private pension

How has Paul McFadyen helped you?

He advised me on what was available and provided me with different pension options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

More than happy with the service that Paul has provided me with over a long number of years

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Stirlingshire

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

Provided by our employer.

How has Paul McFadyen helped you?

Advised me to amalgamate several dormant pensions and provided a more suitable fund.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in West Lothian

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

I am looking to early retirement as from age 60.

How has Paul McFadyen helped you?

Paul, assisted with my planning and guided me through all areas of options available. This was a minefield and, without Paul's guidance, would have been impossible to understand.

Have you seen the outcome you were hoping for?

Absolutely. I feel much more confident to proceed with my plans.

What could they have done better?

None that I can think of.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Ayrshire

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

Advice on savings vehicles. Retirement planning inc investment of lump sum.

How has Paul McFadyen helped you?

Recommended wrap package and organised this. Liaised with pension authority.

Have you seen the outcome you were hoping for?

Early days, but happy with what's been done.

What could they have done better?

I can't think of anything.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

wanted to ensure my children's savings were working as hard as possible for their future.

How has Paul McFadyen helped you?

explained various options available and helped me come to a decision how to use all available funds.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had always been part of a company pension scheme but decided that I was looking for something a bit more suited to my needs. This was my main reason for seeing Paul, although he also assisted with other areas that I had probably not considered.

How has Paul McFadyen helped you?

After having a chat with myself and finding out about me, Paul gave me the options available and explained thoroughly the workings of each. I felt that Paul understood my needs and explained everything in a clear and concise manner to allow me to make an informed decision.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I honestly do not think that there is anything that Paul could have done better. He found out about me and what I was looking for. He took this information and found the best products suited to my situation. It is clear that Paul has good experience in what he does.

Review from verified client

January, 2017

Overall

Advice

Service

Value

Based in Renfrewshire

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

Approaching Pension LTI.

How has Paul McFadyen helped you?

Reviewed all information and set out clearly options based on our risk preferences and other salient facts.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing to add.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Caithness

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

1. Retirement and need to do something with a pension fund. 2. Provided advice on raising money fora house purchase.

How has Paul McFadyen helped you?

Provided advice that seems sensible and effected the required changes.

Have you seen the outcome you were hoping for?

Yes so far.

Review from verified client

December, 2016

Overall

Value

Service

Advice

Based in Renfrewshire

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

retirement.

How has Paul McFadyen helped you?

sound advice and always available to explain and sort out financial problems and kept updated on investment.

Have you seen the outcome you were hoping for?

yes and more.

What could they have done better?

he has been very diligent and as far as aware he could not have done any better

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in East Lothian

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

I have a collection of pensions from different providers, and needed informed expert advice.

How has Paul McFadyen helped you?

Paul took over from my previous adviser, continued the great understanding of my situation and presented clear well-explained guidance and most significantly set up my Standard Life SIPP and WRAP platform.

Have you seen the outcome you were hoping for?

Well, the stock market could have gone up a bit more :-) Yes, continued growth across my pension funds in particular, and a sensible spread for my risk profile and economic trends.

What could they have done better?

As I have more experience than most, Paul has adapted to my circumstances and presented steady low-key guidance in a timely and informed fashion. A case of more of the same rather than any changes for me.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Pension advice for saving and then advice on pension income.

How has Paul McFadyen helped you?

Provided clear and straight forward advice.

Have you seen the outcome you were hoping for?

In some areas yes but I am just at the point of developing pension income strategy.

What could they have done better?

Warn me when things could have been changed for my benefit.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Private pensions needing organised.

How has Paul McFadyen helped you?

He took over from our old adviser but has provided us with all the information we have needed and/or asked for.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

None noted

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Planning for Retirement.

How has Paul McFadyen helped you?

Assessed current plans, switched investments to better performing assets and consolidated investment.

Have you seen the outcome you were hoping for?

Yes - improved growth.

Review from verified client

December, 2016

Overall

Value

Service

Advice

Based in Ayrshire

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

I required advice on structuring my retirement finances.

How has Paul McFadyen helped you?

Paul assessed my situation and risk profile carefully and gave very clear advice regarding the potential benefits and risks of various strategies. He ensured I understood how each element of my portfolio supported my objectives and risk profile. Paul also ensured I understood the charging structures of the various products on offer.

Have you seen the outcome you were hoping for?

Yes. Plan has delivered beyond target.

What could they have done better?

No real comment to make here.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Over twenty years ago when I had my own business I looked at Independent Advisers Scotland assistance for Pension Planning and Investments.The personal service, advice and professionalism is reassuring.You can be assured that your investments however modest are in safe hands. Paul McFadyen is clearly at the top of his game and always makes time to see you whether at home or in his office. I would recommend Independant.

How has Paul McFadyen helped you?

This information is private.

Have you seen the outcome you were hoping for?

I will see the outcome in the months ahead.

What could they have done better?

We have carried out a Risk Assessment and made forthcoming adjustments.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

I needed advice about a private pension pot and how to make it all available to me while earning some interest at low risk.

How has Paul McFadyen helped you?

He gave me the options available, helped with form filling and then arranged all the transfers etc while keeping me informed at all times.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don't think there could have been better service.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Renfrewshire

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

Initially for pension advice then I continued with investments.

How has Paul McFadyen helped you?

Very well with investment advice and integration of savings.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I am aware of.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

We were nearing retirement and wanted advice on these matters.

How has Paul McFadyen helped you?

He gave sound advice and helped and helped us secure a better than expected monthly pension.

Have you seen the outcome you were hoping for?

It has been better than expected.

What could they have done better?

We have been very happy with his services and can add nothing further.

Review from verified client

December, 2016

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Advice

Service

Value

Based in Dunbartonshire

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

I required information on secure investments.

How has Paul McFadyen helped you?

Paul was able to advise on these.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I know of

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Argyll

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

Paul has been looking after our Insurance, protection and pensions for many years. He always gives first class service.

How has Paul McFadyen helped you?

Paul looked over our insurance policies, made some recommendations and ensured we were well protected for the future.

Have you seen the outcome you were hoping for?

Yes, to feel we are well protected in the future, and for our children's future.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Aberdeenshire

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

On retirement I felt that efficient management of my financial affairs required expert guidance.

How has Paul McFadyen helped you?

Paul detailed the various options available to us explaining the pros and cons. A report was produced based on our own views which helped us decide which type of investments were best suited to our goals.

Have you seen the outcome you were hoping for?

Realistically markets have been tight over the past few years but we have had returns in line with average trends.

What could they have done better?

All in all Paul has kept us up to date with newsletters and the online access on a daily basis to my investment reports means that should I need advice it is only a phone call away.

Review from verified client

December, 2016

Overall

Service

Advice

Value

Based in Ayrshire

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

Making retirement pensions and savings work for me and allow me to maintain a lifestyle.

How has Paul McFadyen helped you?

He looked after the shares I had bought and suggested where I could invest money safely.

Have you seen the outcome you were hoping for?

Yes there has been a reasonable return on the money invested.

What could they have done better?

Can't think of anything

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Wanted to retire early and work out my options.

How has Paul McFadyen helped you?

Helped me clearly understand my options especially what suited my personal needs and explained everything fully. He also helped me see that I was in a good position to retire earlier than I thought. I am delighted with the saving, investment and Pension products I now have.

Have you seen the outcome you were hoping for?

I feel he has achieved a much better than hoped for outcome for me both via my savings and pension and I am more confident about my financial future and I am enjoying early retirement.

What could they have done better?

Do not think he could have done anything better

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Ayrshire

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

Planning for retirement and generally getting the best from investments and savings for the future.

How has Paul McFadyen helped you?

Paul took the time to understand what I was looking for, did a thorough investigation of existing savings and investments and recommended which ones to keep in place and advised on better solutions for some that weren't performing well. We are now in a situation where we no longer have monthly outlay on mortgage payments as it effectively pays for itself through an offset product. Paul also produced projection charts to show us we could afford to retire based on pensions, savings and investments he helped put in place.

Have you seen the outcome you were hoping for?

In a word, yes. Mortgage taken care of. Wife retired on the basis of advice on savings over previous years and myself in a position to retire in the not too distant future.

What could they have done better?

Nothing I can think of.

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

Originally to determine best use of my occupational pension lump sum as well as reviewing existing investments.I was also very keen to have an IFA who kept in touch and on top of our portfolio both of which Paul has been excellent in so doing.

How has Paul McFadyen helped you?

We did a complete financial analysis and decided on a revised portfolio. We also through time looked at further retirement planning for my husband as well as funeral pre payment planning.Paul was fully aware of our needs and our attitude to risk and advised us appropriately. Setting up the Bond and the ISA s were the most important aspects plus the ability to monitor the portfolio myself on line is a huge bonus.

Have you seen the outcome you were hoping for?

Yes the investments continue to grow and hold well in spite of the volatile market. Paul continued to proactively review and to recommend changes as necessary which we have agreed were appropriate to do.

What could they have done better?

I have nothing that springs to mind. Paul is very professional but at the same time very human and easy to talk to on a personal level . Review meetings are never a chore !

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Lanarkshire

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

personal Taxation and company workplace pensions.

How has Paul McFadyen helped you?

Paul works with me personally and with all our staff in the setting up and annual maintenance of the company pension scheme.

Have you seen the outcome you were hoping for?

Yes.