Ciaran Ruttledge

Repeat review from verified client

March, 2024

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

How has Ciaran Ruttledge helped you since your last review?

Remortgage, ISA and pension planning

Review from verified client

February, 2024

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

Recently completed the purchase of my first home and was looking for advice on how best to save money over the long term.

How has Ciaran Ruttledge helped you?

Ciaran has helped to consolidate my pensions from previous employers, advised regards the benefit of changing my employer and personal pension contributions and supported with set up and management of personal savings.

Have you seen the outcome you were hoping for?

Yes, I have much more clarity now on how I am managing my finances and assurance that I am preparing for long term financial stability

Ciaran's reply

Thank you very much for this review Rhidian, much appreciated.

Review from verified client

January, 2024

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

I wanted a new pension advisor

How has Ciaran Ruttledge helped you?

Ciaran has helped me move all finanancial investments to new providers without any stress on my side.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am happy with the service I received.

Review from verified client

January, 2024

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

I came into an inheritance and needed help with tax and investment planning.

How has Ciaran Ruttledge helped you?

Ciaran has helped me massively with tax efficiency and has saved me a huge amount of money.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing!

Review from verified client

January, 2024

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

I had been wanting to get on top of my financial affairs for a few years and an ex-colleague recommended Ciaran as someone that had helped him a lot.

How has Ciaran Ruttledge helped you?

Not only do I feel more in control of my finances but I also have a much better understanding of my own financial planning and the various ways in which I can make my money work harder for me. In particular, we've explored a number of tax efficiencies that I wouldn't have known about without Ciaran's support.

Have you seen the outcome you were hoping for?

Absolutely - I'm very pleased with the progress we've made and also feel a lot more empowered when it comes to my money.

What could they have done better?

N/A.

Review from verified client

January, 2024

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

Old age.

How has Ciaran Ruttledge helped you?

Advice on investments.

Have you seen the outcome you were hoping for?

So far.

Repeat review from verified client

January, 2024

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

How has Ciaran Ruttledge helped you since your last review?

For the first time I feel in control and aware of my pension and how I can transfer them when moving jobs. He also has my best interests in mind when I needed to withdraw from my ISA.

Repeat review from verified client

July, 2023

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

How has Ciaran Ruttledge helped you since your last review?

Better plan my ISA investment

Review from verified client

March, 2023

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

I was looking to get a much clearer view on my finances for the long term

How has Ciaran Ruttledge helped you?

Initially Ciaran helped me set up some vital insurance, combine my multiple pensions into a single place and set up an ISA. He has since helped me remortgage and offered me great advice on a number of financial questions.

Have you seen the outcome you were hoping for?

Yes, as someone who is a bit of a worrier about finances I feel much more confident now and every time I speak to Ciaran I feel even better.

Repeat review from verified client

January, 2023

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

How has Ciaran Ruttledge helped you since your last review?

Ciaran has totally transformed my attitude towards financial planning and getting the most out of my pension. Everything is explained clearly and he is happy to spend as much time as I need discussing until I understand. He is very aware of my own goals and aims and factors all of this into our conversations.

Review from verified client

August, 2022

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

After completing postgraduate studies and entering full time employment, I was looking to use my extra income effectively and plan for the future.

How has Ciaran Ruttledge helped you?

He has organised my finances in a way that I feel very secure, having an appropriate emergency fund available, whilst also given me the confidence and knowledge to put my disposable income to work in a tracker fund. He has also been instrumental in my recent purchase of a property, providing regular and insightful advice all along the way.

Have you seen the outcome you were hoping for?

So far so good! I feel much more secure and confident with my finances since beginning to work with Ciaran.

What could they have done better?

Nothing thus far.

Review from verified client

August, 2022

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

First time buyer of a property

How has Ciaran Ruttledge helped you?

Extremely helpful when looking for advice around mortgages and savings.

Have you seen the outcome you were hoping for?

Extremely happy with the level of service, speed of responses and outcome.

What could they have done better?

Nothing

First impression from a user who is not yet a client

August, 2022

Please provide a brief comment about your experience with Ciaran

Ciaran was very knowledgable in his field, friendly and gave me advice about buying a property. He put me at ease and gave me confidence in the position I am currently in with no urge to rush me into anything. I was really happy with Ciaran’s service and will be passing on his details to other friends who may require financial advice.

Review from verified client

July, 2022

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

Pension consolidation

How has Ciaran Ruttledge helped you?

Advised me and organised my pension transfers. HAs helped with a number of investment queries and self employment problems

Have you seen the outcome you were hoping for?

YEs

Review from verified client

July, 2022

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

I was in between roles within my current company, and beginning to think of what the near and long term future looks like for me in terms of financial security and investment opportunities.

How has Ciaran Ruttledge helped you?

Ultimately allowing me to not only budget in a more strucutred manner, one that gives me a birdseye view of my finances ensuring I am comfortable with what is coming in and what is going out, but enabling me to think about my long term future and provide clarity on what I need to do in order to get there.

Have you seen the outcome you were hoping for?

Without a doubt my financial situation is now stronger, my goals are met with clarity, and what is typically a difficult area to understand in terms of budgeting, investing, and long term planning, was made simple and disgestible by Ciaran. He brings you along on the journey as to why it's important to plan for the future and not the now.

What could they have done better?

Nothing I can think of.

Review from verified client

July, 2022

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

Was looking for an investment opportunities to supplement savings.

How has Ciaran Ruttledge helped you?

Advice on both investments and insurance for family finance.

Have you seen the outcome you were hoping for?

Yes been a great help and good advice.

What could they have done better?

Nothing.

Review from verified client

July, 2022

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

As a young professional I knew it was a good idea to seek financial advise early on to help shape my future with time as my advantage. Not having the most experience with investments was something that motivated me to reach out to Ciaran to gain support and advice on what areas I can start to improve upon.

How has Ciaran Ruttledge helped you?

Ciaran has helped split my savings using short/medium and long term perspective in mind and helped integrate multiple pensions into one pot to ensure maximum efficiency of growth.

Have you seen the outcome you were hoping for?

The outcome is what I hoped for, I now have a clear plan of what my next steps are and how to meet my financial planning needs.

Review from verified client

July, 2022

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

I got to a stage where I wanted my money to go further and to put in to better use

How has Ciaran Ruttledge helped you?

Helped me to lay out a plan around the best way to maximise my earnings Set financial goals - short / medium / long-term - which meant I was consistently on track to hit what I wanted to achieve

Have you seen the outcome you were hoping for?

Ciaran has been helping me for a year and so far so good

What could they have done better?

More of an explanation around the investments and how they are running etc. would be great

Review from verified client

July, 2022

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

Wanting to plan better!

How has Ciaran Ruttledge helped you?

He's got me some income protection which I didn't know I needed.

Have you seen the outcome you were hoping for?

So far I'm looking for a new job then I can hopefully benefit more from financial services.

What could they have done better?

N/A

Review from verified client

July, 2022

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

I needed financial advice on finding a private pension, switching life insurance provider and setting up critical illness cover. I also needed advice on investing some inheritance funds.

How has Ciaran Ruttledge helped you?

He has provided great advice and taken action on all things that were subsequently agreed. Everything was set up quickly and efficiently and I felt safe in the knowledge that I was making the right decisions.

Have you seen the outcome you were hoping for?

Yes, my private pension fund is set up, my life insurance and critical illness has been improved and I now feel clear on where I need to make the most of my funds.

What could they have done better?

Nothing, Cieran has ticked all the right boxes.

Review from verified client

March, 2022

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

I was moving from employment to self-employment and contracting. I also wanted to start planning financially for my future.

How has Ciaran Ruttledge helped you?

Ciaran has helped me to understand my financial goals and put in place a plan to reach those goals.

Have you seen the outcome you were hoping for?

Yes, I am already regularly saving and we have a better pension plan in place for me than I had before. Ciaran has dealt with lots of changes in my life since working with me, and he always ran with those changes and helped to make my financial planning match my needs.

What could they have done better?

Nothing.

Review from verified client

March, 2022

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

I was moving to self employment and needed help on various points around my pension and ISA

How has Ciaran Ruttledge helped you?

Consolidated pensions, new ISA and income protection

Have you seen the outcome you were hoping for?

Working with Ciaran has easily exceeded the expectations I had

What could they have done better?

Nothing

Review from verified client

March, 2022

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

Looking for advice on our first mortgage

How has Ciaran Ruttledge helped you?

Ciaran provided excellent advice! He was prompt at replying and very personable.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

March, 2022

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

Looking to consolidate pensions and plan future finances ahead of purchasing a house.

How has Ciaran Ruttledge helped you?

Provided solid financial planning advice, including insurance and protection.

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

January, 2022

Please provide a brief comment about your experience with Ciaran

I felt fully supported by Ciaran and trusted in his knowledge and advice. I’m looking forward to continuing to work with him going forward and will continue to recommend him to friends and family!

Review from verified client

January, 2022

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

I didn’t feel I was doing enough to ensure future financial security and wanted to try and maximise my earning potential, rather than putting it into my standard bank savings account where interest is minimal.

How has Ciaran Ruttledge helped you?

We had an initial conversation to discuss my personal circumstances as well as medium and long term goals before a further meeting with Ciaran and Hamil, where different investment routes were thoroughly explained and my attitude to risk was assessed. Ciaran has personally kept in regular contact to see how I am doing as well as been on hand for any questions I may have. He has helped me see just how important planning for your future is.

Have you seen the outcome you were hoping for?

It is still early days as I am only 10 months in, but my annual review will provide an opportunity to assess the year and decide on next steps.

Review from verified client

January, 2022

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

An interest in long term financial freedom.

How has Ciaran Ruttledge helped you?

By providing advice on my options.

Have you seen the outcome you were hoping for?

So far yes.

What could they have done better?

Perhaps explain the advice in a more simple way for someone who has had no prior financial planning background

Review from verified client

January, 2022

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

I’d never really understood pensions or investments but wanted to plan for the future.

How has Ciaran Ruttledge helped you?

Ciaran helped me maximise my benefits from my pensions and the tax details. He also walked me through investment options and explained how this could impact my future.

Have you seen the outcome you were hoping for?

Definitely, i feel a lot more in control and prepared for my retirement savings.

Review from verified client

November, 2021

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

Multiple pensions with different providers from previous jobs, no understanding of how to make the most of consolidating pensions or what I needed to do to plan for the future.

How has Ciaran Ruttledge helped you?

Ciaran helped me understand how pensions work and helped me think long term about my financial goals (which I previously hadn’t thought of before!).

Have you seen the outcome you were hoping for?

Yes, Ciaran has helped me sort out my messy pension plans and made it much easier for me to manage and contribute to my pension so that I can prepare for the future properly.

Review from verified client

November, 2021

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

Has spare money to invest

How has Ciaran Ruttledge helped you?

Answered all questions

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2021

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

I wanted to save money and put it in the right place so I have more money to retire at an earlier age.

How has Ciaran Ruttledge helped you?

Ciaran helped me by helping me understand how to save my money and taught me how how starting at a younger age will be much more beneficial for me long term. He had great service and made it all very easy for me to grasp and improved my knowledge vastly.

Have you seen the outcome you were hoping for?

Yes I have started to save money and I am seeing results that I have more money that I am putting in due to the way he is investing it for me.

What could they have done better?

I personally don’t think he could have done anything better he has gave perfect service and has been available for me anytime I’ve needed him for advice or questions.

Review from verified client

November, 2021

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

I wanted to start saving for the future.

How has Ciaran Ruttledge helped you?

Ciaran helped me set up insurance to ensure my familys' financial well being. Furthermore, he gave me advice and has helped me make informed choices on how to save for the future, getting the best return for my investment. He also worked with his colleagues to save me money on my mortgage.

Have you seen the outcome you were hoping for?

Yes; there was an immediate reduction in my monthly mortgage payment and I've begun to save for the future. Also, have been reassured that my current pension is the best choice for me at present.

Review from verified client

October, 2021

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

Planning for the future and my family was something I wanted to make water tight, so I reached out to Ciaran for expertise.

How has Ciaran Ruttledge helped you?

He gave me really good advice on the right kind of insurance to take, based on my assets and specific circumstances. He gave me advice on how much money to invest based on monthly take home and how that would look longer term. He also discussed risk assessments for investments and my current pension and how best to utilise my benefits package and potential returns.

Have you seen the outcome you were hoping for?

Yes. Security and reassurance that we are covered with a clear long term plan to get everything in place for future and retirement.

What could they have done better?

Nothing.

Review from verified client

October, 2021

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

Wanted to understand my options around life insurance and planning for the future.

How has Ciaran Ruttledge helped you?

Ciaran explained life insurance in detail for me, I had a basic knowledge of it but Ciaran took the time to help me understand more around life insurance. Ciaran help me choose a plan that suits me and my family.

Have you seen the outcome you were hoping for?

Yes I have been set up with Life insurance, on a policy that works for me. I feel secure in the knowledge that I have this arranged to protect my family.

What could they have done better?

Nothing. Ciaran was exceptional. He helped me understand my options, explained everything in a way that I could understand. I will be coming back to Ciaran to discuss different aspects of my finances in the near future.

First impression from a user who is not yet a client

October, 2021

Please provide a brief comment about your experience with Ciaran

Ciaran was very helpful and professional. From different health and life insurances to searching for the right investment fund managers, I really felt he understood my needs, and addressed my personal situation, having kids and looking to the future for them. Really appreciate all the work Ciaran put in.

First impression from a user who is not yet a client

October, 2021

Please provide a brief comment about your experience with Ciaran

My experience with Ciaran was very beneficial to me, he was fair, honest and knowledgeable in all areas, which has lead me to recommend him to many of my friends and colleagues.

Review from verified client

September, 2021

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

I was made redundant and wanted to invest my severance money.

How has Ciaran Ruttledge helped you?

He gave me advice on and researched different investment options after talking in length about my preferences and what I was hoping to gain.

Have you seen the outcome you were hoping for?

Yes it’s been excellent.

What could they have done better?

Nothing, Ciaran was extremely professional and gave clear, useful advice.

First impression from a user who is not yet a client

August, 2021

Please provide a brief comment about your experience with Ciaran

Highly proffesional, dedicated to the best customer outcom

Review from verified client

August, 2021

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

Changes in tax law. Future planning

How has Ciaran Ruttledge helped you?

Set up private pension after giving advice on options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Admin around managing pension could be clearer

Review from verified client

August, 2021

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

I was looking to arrange a private pension, arrange income protection and get advice on investing

How has Ciaran Ruttledge helped you?

Ciaran was very professional and gave me advice in all of the areas I was interested in. He has been very approachable throughout and I am confident in the advice he has given me. He made the process of setting up my pension, income protection and investment account simple and hassle free.

Have you seen the outcome you were hoping for?

With Ciaran’s help the outcome has far exceeded what i’d hoped for

What could they have done better?

I can’t think of anything Ciaran could have done better

Review from verified client

July, 2021

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

Most of my twenties was spent spending without future planning, as I entered my thirties last year I realised I needed to begin thinking about what comes after retirement, even though it still feels so far away. I wanted to know my options, and know how best to plan for a future that could keep myself, and my family well looked after.

How has Ciaran Ruttledge helped you?

He approached the whole situation with a temperament that made me feel at ease and empowered to make a decision that I felt was the most appropriate for my circumstances. Considering I had zero prior knowledge of investment (or even how much my pension was currently worth) he walked me through everything, step by step, in a way that was educational and highly informative. Trustworthy, knowledgeable, and genuine, Ciaran has fundamentally transformed my financial future planning and I am extremely grateful for his expertise.

Have you seen the outcome you were hoping for?

I have a clear investment strategy ahead of me for the next 30 years, something I never thought would happen. I feel calm and assured for the future.

What could they have done better?

Nothing at all.

Review from verified client

July, 2021

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

I recently bought a house and was looking to ensure I was fully protected in that investment.

How has Ciaran Ruttledge helped you?

Ciaran was able to provide a well rounded, holistic service that fit all my financial needs, including areas such as pension and retirement that I hadn't even thought about

Have you seen the outcome you were hoping for?

Yes, I am now fully protected financially and have long and medium term savings plans

What could they have done better?

n/a