Reviewed for

Insurance and Protection ( 3 )

Mortgages ( 1 )

Pensions ( 42 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 32 )

Investments and Savings ( 56 )

Pension Transfers - Non Specialist ( 8 )

Inheritance Planning ( 7 )

Pension Transfers - Specialist ( 4 )

Financial Planning ( 13 )

Financial Mentoring ( 1 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 3 )

£200k - £500k ( 10 )

£100k - £200k ( 17 )

£50k - 100k ( 1 )

Up to £50k ( 3 )

Client reviews

First impression from a user who is not yet a client

June, 2024

Overall

Please provide a brief comment about your experience with Michael

I contacted Michael to discuss and understand my pension and he was very professional, he explained everything in a simple easy to understand way.

Michael's reply

Thanks for the review.

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

Unclear as to what the situation was with my pensions - 6 in total. As approach 60 wanted to be clear what I should do with them going forward.

How has Michael McLintock helped you?

Helped me sorted out what the status was with all pensions and advised moving some of them to another scheme.

Have you seen the outcome you were hoping for?

Still in the process of being set up but looks promising

What could they have done better?

Nothing so far.

Michael's reply

Many thanks for the review.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

My husband’s retirement

How has Michael McLintock helped you?

Provided advice on pension and drawdowns

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Michael's reply

Thanks for the review, you can retire and know there is a plan in place.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

I retired earlier than planned so required advice on sorting out my pension situation.

How has Michael McLintock helped you?

Michael prepared a clear and precise set of options which he fully explained to us

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can’t think of anything in particular which could have been done better.

Michael's reply

Thanks for the taking the time to review. Much appreciated.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to combine my pensions & plan for my retirement

How has Michael McLintock helped you?

Sorted out the pensions I already had & changed the way they were invested, providing a better return

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Michael's reply

Thanks for the review. Much appreciated.

First impression from a user who is not yet a client

March, 2024

Overall

Please provide a brief comment about your experience with Michael

Michael helped me immensley. Within five minutes of looking at my circumstances he had saved me £9000. I explained the issues, as I saw them, and he corrected me on a lot of points, which was very valuable. I'm glad to have worked with him on the issues I had as he made it plain and easy to understand and I was left feeling more confident about what I was doing.

Michael's reply

Glad to have helped to point you in the right direction.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement planning through to actual retirement

How has Michael McLintock helped you?

Michael was thorough in exploring the options available for each of our pension investments -all of the defined contribution and the defined benefit schemes. He took our wishes and converted them to reality.

Have you seen the outcome you were hoping for?

The future looks good thanks to Michael's financial expertise.

What could they have done better?

Right now, can't think of anything that could have been done better.

Michael's reply

Thanks for the review. Enjoy your retirement, you can afford it.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Roxburghshire

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

Planning for retirment within the next 5 years.

How has Michael McLintock helped you?

Created retirement plan and suitable investments to achieve retirement plan.

Have you seen the outcome you were hoping for?

At start of the process but so far, so good.

Michael's reply

Thanks for the review. Good luck in the house hunting, glad your budget is bigger than you thought.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Roxburghshire

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

Retirement planning and best way to proceed for secure retirement in next 5 years.

How has Michael McLintock helped you?

Explained in detail where we are financially and come up with a plan for retirement.

Have you seen the outcome you were hoping for?

So far yes. Investments made for medium to long term so final outcome will be determined when retirement comes.

Michael's reply

Many thanks for the review. You know now you are well on track for your retirement.

First impression from a user who is not yet a client

December, 2023

Overall

Please provide a brief comment about your experience with Michael

Very pleasant guy. First meeting has given us confidence in going forward.

Michael's reply

Many thanks for the 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?

I required advice on a number of pensions i have

How has Michael McLintock helped you?

I received advice on which pensions to access and which ones to leave till I was 65 due to guarantees built in.

Have you seen the outcome you were hoping for?

Yes i now have a pension financial forcast for the future explaining everything.

What could they have done better?

Nothing

Michael's reply

The plan is working, thanks for the 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?

Impending retirement

How has Michael McLintock helped you?

He has helped with understanding what pension incomes we have and how best to invest them to give us the retirement income we would like. He has taken the time to explain how our money invested will finance our retirement into the future.

Have you seen the outcome you were hoping for?

So far yes we have been pleased .

What could they have done better?

Cant think of anything.

Michael's reply

All you need to do is start spending to enjoy your retirement. Thanks

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?

Existing investment not working for us

How has Michael McLintock helped you?

Introduced us to a new investment strategy

Have you seen the outcome you were hoping for?

Not yet

What could they have done better?

Feel everything was covered

Michael's reply

Thanks for the review. You will definitely get a better ongoing advice service now.

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 was very disappointed in the service given by my previous financial adviser who did not really show an interest in improving my investments performance.

How has Michael McLintock helped you?

He has reviewed my existing investments and made positive recommendations in improving their performance which I am now taking.

Have you seen the outcome you were hoping for?

Not yet but I’m feeling very positive about the future.

What could they have done better?

Nothing. His service was excellent.

Michael's reply

Many thanks, I enjoyed our meetings too.

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 just retired and was looking for advice on investing my lump sum and also some other investments/savings that I felt were not performing as well as I hoped.

How has Michael McLintock helped you?

Michael listened me and understood what I was hoping to get out of my investments. He did an analysis of my situation and advised accordingly in easily understood language.

Have you seen the outcome you were hoping for?

To early to tell as I'm just starting out on this journey but I'm hopeful this will work out well.

What could they have done better?

Nothing - Michael has been very helpful - knowledgeable and friendly

Michael's reply

Thanks for your review, much appreciated.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Investment and pension advice

How has Michael McLintock helped you?

Invested my pensions and investments for me in a portfolio of investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Michael's reply

Many thanks for your review.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

Pensions

How has Michael McLintock helped you?

Navigated pensions

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Many thanks for your review.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Inverness-shire

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

Poor financial advice from another Company

How has Michael McLintock helped you?

Yes very pleased with his knowledge and service.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Michael's reply

Thanks very much for your review.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Ross-shire

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

Have sold my business, retired and required the services of a financial advisor to help with my finances going forward.

How has Michael McLintock helped you?

My wife and I had another financial advisor who was not very good and let us down badly. I spoke with my brother about the poor level of service we were getting and he suggested Michael McLintock

Have you seen the outcome you were hoping for?

Very much so. Compared with the company we had before, who treated you as a number instead of a client, he is a breath of fresh air.

What could they have done better?

Nothing as we are both delighted with the advice, help and service Michael has given us.

Michael's reply

Thanks for your review. Im confident you are back on track.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to invest money to boost my financial security when I retire from work. I asked Michael for advice how to achieve that.

How has Michael McLintock helped you?

Michael was extremely helpful. He had arranged a couple of meetings with me face to face. He gathered all available information about my funds, he prepared a financial report and evaluated my risk taking strategy and approach. He came up with an individually tailored plan for my investments and savings.

Have you seen the outcome you were hoping for?

I am just at the beginning of the process, and don't have much experience with investments. I hoped that Michael will help me feel more confident and will provide me with a professional advice based on the evaluation of the current situation and guidance. He achieved what I was hoping for.

What could they have done better?

I will struggle to find what he could have done better. He has a great manner, very good communication skills, he explained everything in the terms that I was able to understand. He answered all my questions. He was very professional and knowledgeable. He was very patient and did not rush me to make any decisions if I was not necessary. I did noto feel any pressure, and was able to make my choices with more confidence.

Michael's reply

Many thanks for your review. Delighted to have you as a client.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in West Lothian

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

my pension was a bit of a disaster he got it sorted out

How has Michael McLintock helped you?

got great advice on pension

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing at moment very happy with service

Michael's reply

Thanks for the review. Delighted to be able to help.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Michael

Venturing into the financial investments market can be a daunting prospect. When acting on a family members behalf via the rigors of a guardianship order and under the review of the OPG was even more stressfull. Michael, however, from the very first point of contact was a calming and very valuable source of information, walking me through what was expected and where best I could invest funds.

Michael's reply

Thanks for the review. Glad to have been of help.

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?

Financial planning

How has Michael McLintock helped you?

Helped us with investments

Have you seen the outcome you were hoping for?

Too soon to say

Michael's reply

Thanks for your review. Glad you are happy.

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?

To get a better return from my savings

How has Michael McLintock helped you?

He set up a financial plan

Have you seen the outcome you were hoping for?

To early to tell

What could they have done better?

Nothing that I can think of.

Michael's reply

Thanks for the review, much appreciated.

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Michael

Michael completely understood what I was looking to do and dealt quickly, professionally and efficiently with the issue

Michael's reply

Thanks for the review. There is no fee for the help given, it was an easy 10 minute task to help point you in the right direction. All the best

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Michael

Michael is very knowledgeable of his products, and very generous with his time explaining the process involved with investing.

Michael's reply

Thanks for the review. As we agreed, its probably better for you to help out your children getting on the property ladder than investing. All the best.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

It was in relation to a family matter, regarding circumstances with our father, Inheritance Tax / Investments, and Savings.

How has Michael McLintock helped you?

Michael gave good sound advice over the telephone and also provided a written explanation, for other family members' information.

Have you seen the outcome you were hoping for?

The information Michael provided, has helped greatly and I would certainly approach him in the future. I would also highly recommend him, to friends and family.

What could they have done better?

Nothing, to my knowledge.

Michael's reply

Thanks very much for your review. All the best.

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Michael

Very straight forward, pleasant and ultimately, helpful.

Michael's reply

Good luck with the future. I think short term investing isn’t wise and its best to make any decisions when you are back in the UK in a few years.

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Michael

An excellent service from start to finish.

Michael's reply

Thanks for the review, all the best.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Getting close to retirement and wanted to get all finances in order.

How has Michael McLintock helped you?

Michael contacted all pension providers, got all the figures and looked at best combination. He also suggested and set up a savings plan.

Have you seen the outcome you were hoping for?

So far, it all looks good.

What could they have done better?

Nothing that I am aware of.

Michael's reply

Thanks for the review. Not long now to your retirement.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Sort out multiple pensions.

How has Michael McLintock helped you?

Taking all the pension contributions from different companies and investing where possible.

Have you seen the outcome you were hoping for?

Too early to tell.

What could they have done better?

Nothing springs to mind.

Michael's reply

Thanks for taking the time to leave a review. The plan is in place and you now know what you want is affordable and realistic.

First impression from a user who is not yet a client

August, 2022

Overall

Please provide a brief comment about your experience with Michael

Very helpful

Michael's reply

Good luck in your hunt for a new job, now isn't the best time for advice, but I'm happy to help when you are more settled. All the best

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Financial advice at retirement.

How has Michael McLintock helped you?

He looked into and explained really clearly what best to do with our pension funds and savings as we were retiring.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Michael's reply

Thank you for your review. The plan you have will comfortably support your retirement. Thanks

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

I recently retired and wanted help on pensions from an independent financial advisor

How has Michael McLintock helped you?

with bespoke pension advice to fit my need

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything offered has been sound advice

Michael's reply

Thanks for taking the time to leave a review. Your retirement plan is now in place and good luck with the new home.

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking at planning retirement.

How has Michael McLintock helped you?

Gave me scenarios for retirement income based on different income levels.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing could improve he is absolutely outstanding

Michael's reply

Thanks for taking the time to write a review. Much appreciated.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

looking to retire early and wanted to invest some savings.

How has Michael McLintock helped you?

he reviewed my pension documents and advised that i should not touch these unless i really had to as they were solid pensions.

Have you seen the outcome you were hoping for?

yes, i am happy with the route suggested by Michael

What could they have done better?

nothing, he kept me informed of what he was doing and explained everything very well to someone who is not in the business

Michael's reply

Thanks for the review and for your investment business. You have excellent Defined Benefit pension funds which should remain in place until your normal retirement age.

First impression from a user who is not yet a client

December, 2021

Overall

Please provide a brief comment about your experience with Michael

Michael’s attention to detail and explanations of trends is easily understood. His wealth of knowledge is a credit to his professionalism.

Michael's reply

Thanks for your kind words. Looking forward to working for you.

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?

I knew my money could be doing better and a friend recommended Adelp to me. Michael was very professional and knowledgeable and spoke in my language helping me understand where my money was and how better I could be investing. A ew family members have also used this company successfully- the communicationand support offered is second to none and out me at ease at last I was getting good advice and support with multiple options for me to read over and understand the processfully.

How has Michael McLintock helped you?

He helped by giving me good advice on all levels giving me options and allowing me to fully understand where I have been going wrong. Communication was excellent and his knowledge was obvious. Very supportive, not pushy at all and left me to decide what was best. No pressure and a pleasure to do business with him.

Have you seen the outcome you were hoping for?

Yes, so fR my money has increased without much risk and the communication is key. Kept up to date regularly which I like. I know I am in safe hands

What could they have done better?

Nothing. Professional and knowledgeable service offering option and he really listened to my needs and fears. Keep up the amazing job.

Michael's reply

Thanks for the review. Glad you are happy.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Michael

Knowledgeable, straightforward and able to explain complex subjects with clarity. All you want from a financial adviser.

Michael's reply

Thanks for taking the time to add a review, much appreciated.

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Michael

I had a positive and informative experience with Michael.

Michael's reply

Happy to help. All the best/

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking to make best use of my money.

How has Michael McLintock helped you?

Taking my money from banks where interest was very low and invested it in products that reflect my risk profile.

Have you seen the outcome you were hoping for?

I hope so. The investments have only just been made.

What could they have done better?

Nothing

Michael's reply

Thanks for the review. I'm positive we can start to make your money work just as hard as you do. Sticking to the plan we built will help you get to retirement a lot quicker.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

To help explain what was available for me to do with my pension.

How has Michael McLintock helped you?

He gave me very clear and precise advice .which I intend to follow.

Have you seen the outcome you were hoping for?

N/A

What could they have done better?

Nothing at all

Michael's reply

Thanks for taking the time to leave review. Enjoy London and don’t spend it all at once.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Works pension

How has Michael McLintock helped you?

Explained clearly my options

Have you seen the outcome you were hoping for?

More than satisfied

Michael's reply

Delighted to have helped and to have found the Minimum Pension Guarantee that meant your pension was worth an extra £70k. A good start to your retirement.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Lanarkshire

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

Inherited money

How has Michael McLintock helped you?

Explained investing and saving to me very well as I am new to it, he gave the best advice on the best options for me personally and continues to be personable and helpful.

Have you seen the outcome you were hoping for?

Yes, my money has already started to increase in the short amount of time it's been invested for.

What could they have done better?

I can't think of anything, the service is amazing!

Michael's reply

Thanks very much for your review. Much appreciated.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Michael

Very professional and knowledgeable Not pushy in the slightest. Explained how he could help. Gave me lots of good advice and ideas. Would thoroughly recommend.

Michael's reply

Thanks for your review, all the best in what you're trying to do.

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with Michael

Michael was excellent in taking me and my wife through our plan for the future. He highlighted potential pitfalls and advised of the best strategy to ensure our desired result.

Michael's reply

Thanks for the review.

First impression from a user who is not yet a client

February, 2021

Overall

Please provide a brief comment about your experience with Michael

Michael was very patient and understanding explained all my choices very well. Giving examples at all times I would recommend Michael and be using his services in the future. Knowledge base was excellent.

Michael's reply

Thanks very much for your review. Much appreciated.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted advice on my ISA investments

How has Michael McLintock helped you?

He invested my money for the past few years and it has grown much more than it ever did in the past

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Thanks for the review, glad your happy.

Review from verified client

December, 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 Michael McLintock helped you?

Has taken the time to advise me on various options

Have you seen the outcome you were hoping for?

Not at that stage as yet

Michael's reply

Thanks for your review and the high scores, much appreciated.

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?

Unplanned retirement on health grounds prior to eligibility for state pension and workplace pension being a money purchase scheme without drawdown option. My wife had taken partial retirement as a civil servant and, with a portion of lump sum sitting in a current account and a couple of ISAs, we needed expert guidance on how to secure future income.

How has Michael McLintock helped you?

Michael's (ADELP) website presented his approach to providing financial advice in clear, understandable terms without resort to jargon and demonstrated an ethos that we related to almost immediately and gave us confidence that we could place our trust in ADELP. From an initial telephone conversation and then first introductory meeting Michael listened carefully to our concerns about our financial position, identified the most crucial issues - that we had not actually identified ourselves - and gave straight forward, honest assessments of options for moving towards working with him to secure our financial position for full retirement.

Have you seen the outcome you were hoping for?

We are more than happy with the financial strategy recommended by Michael and have moved to implement two specific aspects: selling a failing property investment and redeeming the mortgage on our home. It is too early at the moment to give a view on the investment portfolio given it has only just been set up; we are however, comfortable that the portfolio meets our requirements and reflects the risk assessment profile provided by Michael.

What could they have done better?

We cannot in all honesty identify any areas that could be perceived to fall short of expectations in the service or advice from Michael.

Michael's reply

Thanks very much for the reply and your kind words. You are on the right path and I'm sure you will now both enjoy your retirement. Thanks

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Michael

Michael is a top class advisor, he communicates clearly and what he says is easy to understand. This in the complex financial world of investment and jargon is what you want from your advisor. He always has his clients interest at heart.

Michael's reply

Thanks for your review. Happy to help.

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Michael

Michael called me after a recommendation from unbiased.co.uk website search for financial advisors . He was informative with everything I asked . On this occasion after discussion with Michael on what I was wanting his service for and advice on he advised waiting a few years and based on his advice , I have decided to wait until nearer the time to deal with my pensions but Michael said if we had any questions to give him a call and he would try and help . He was friendly , helpful , clear in his explanations also . Would definitely recommend and will definitely come back and use his service when the time is right . It’s clear to see why he is achieving 5 star status .

Michael's reply

Thanks for the review. I think its wise to wait until your position is clearer. Jumping in now might not give you the best outcome.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

I wanted to exercise my right to take pension contributions from my limited company

How has Michael McLintock helped you?

He was very informative.

Have you seen the outcome you were hoping for?

Has just been launched, so too early to say?

What could they have done better?

Nothing, totally happy with service provided

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Michael

Michael was a great find! So friendly and very informative. He pointed us in the right direction for many things and will be an integral part of our decision making process regarding all things financial in the future. Can't recommend him enough!

Michael's reply

Thanks for your review. Great to meet you both and delighted to be able to help.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Lanarkshire

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

Approaching pension age

How has Michael McLintock helped you?

Clear advice

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Thanks for the review. Delighted to have been able to help.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Inverness-shire

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

Needed to have someone check the steps we had already taken towards our retirement plans as well as helping us with advice for investing a sum of money.

How has Michael McLintock helped you?

He has reviewed our position and has now provided some investment advice that will cover our requirements during retirement as well as managing possible inheritance tax liabilities.

Have you seen the outcome you were hoping for?

This is only now in process of being put in place but should meet our requirements based on projections.

What could they have done better?

Nothing as he provided all the information and understanding necessary.

Michael's reply

Thank you for your review. It was great to meet you and help show you what your life in retirement can look like.

First impression from a user who is not yet a client

January, 2020

Overall

Please provide a brief comment about your experience with Michael

I required advice on pensions relating to the Life Time Allowance. Michael was very informative and conveyed information clearly and accurately. He listened actively and resolved any uncertainty that I had on the subject, as well as being polite, courteous and well presented.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Retirement planning

How has Michael McLintock helped you?

More than our expectations. Very impressed with his ability to listen - then to suggest and advise based on our lifestyle and plans for our future

Have you seen the outcome you were hoping for?

Absolutley

What could they have done better?

Nothing that we are aware of

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Could not understand received paperwork.

How has Michael McLintock helped you?

He was extremely helpful and explained in a simple and precise way what everything meant and gave us precice and helpful advice, for which we are very grateful.

Have you seen the outcome you were hoping for?

Most definately

What could they have done better?

Nothing ! We were very impressed and would have no hesitation in using his services again and recommending him without hesitation to our friends and family.

Michael's reply

Its outrageous that you were abandoned by the bank who sold you this plan the moment they took their commission. But for them to then post out complex gobbledygook and insist you sign their forms, while refusing to help or answer any questions really does take some beating. Glad to have been able to help sort out the mess.

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking to ensure current pension arrangements were adequate and possible consolidate old pensions

How has Michael McLintock helped you?

He found out the value of existing pension scheme. Compiled the information and produced models for different retirement ages based on the information

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Thanks for the review. Knowing your retirement plans are in place and on track takes away the worries about retirement. Thanks

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in East Lothian

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

Long term planning for investments with regular payment

How has Michael McLintock helped you?

Michael came and discussed with us what exactly we were looking for and was then able to show us what was available and got us the best deals

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Thanks for taking the time to complete a review. Happy to help and good to know you are happy with the service.

Review from verified client

July, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Best advice for the possible options with regard to my personnel pension.

How has Michael McLintock helped you?

Talked through all options with clarity and answered all questions comprehensively.

Have you seen the outcome you were hoping for?

Still pending.

What could they have done better?

Nothing springs to mind. ( See above )

Michael's reply

Happy to be able to help. I think its best to pause any advice for the time being. Waiting until your circumstances are clearer and settled will lead to a better outcome in the long run.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Immigrated. Cashed up in my previous country. Needed to re-invest

How has Michael McLintock helped you?

With my plans to invest. Provided a financial plan/review

Have you seen the outcome you were hoping for?

The cost were maybe too high, bench-marked against ready made bank investments

What could they have done better?

i think he does an excellent job. Very thorough and professional

Michael's reply

Thanks for your review. I appreciate you wanted advice for the cheapest price possible, I offer excellent value for money and the advice I provide adds value to your wealth. I am one of a small minority of advisers who publish all costs on Vouchedfor and on my website. I am crystal clear on all costs and nothing is ever hidden or misrepresented. As we discussed, what can appear to be the cheapest price initially may turn out very expensive in the long run. I'm delighted you agreed the banks 'non advised' 'no comeback' and no ability to complain about the 'non advice' to the Ombudsman may not be the best choice for you.

First impression from a user who is not yet a client

June, 2019

Overall

Please provide a brief comment about your experience with Michael

Very pleasant and informative experience.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Looking to invest after retirement

How has Michael McLintock helped you?

Michael, explained everything in great detail. It let me understand how investments work.Really easy to talk to and was a credit to his proffession

Have you seen the outcome you were hoping for?

Yes, very honest person, who only was interested in the interest of his client.

What could they have done better?

Nothing. Michael was the total professional.

Michael's reply

Thanks for taking the time to review.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I needed advice on combining several pensions into 1 retirement fund.

How has Michael McLintock helped you?

Michael advised me on best way to invest my pensions to realise my plan for retirement.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of. Simple, straightforward advise received.

Michael's reply

Thanks for the review, happy to help and glad you now have a plan and control of your own money.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Clackmannanshire

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

Looking to combine all other pensions into one

How has Michael McLintock helped you?

Meregd all penisons

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Michael's reply

Thanks for the review. The retirement strategy is now in place an I'm delighted you feel better knowing your retirement plan is now in place and achievable.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

I had a private pension plan and it became time to decide what to do with it. I realised I needed professional advice.

How has Michael McLintock helped you?

He explained the various options available to us after finding out what sort of retirement we hoped to achieve.

Have you seen the outcome you were hoping for?

So far yes

What could they have done better?

I cat think of anything at the moment

Michael's reply

Thanks for your review. Happy to help.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Husband looking to retire early

How has Michael McLintock helped you?

Given information on whether we could afford to realise this plan.

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Happy you're both retired early and know you have a sustainable income in place.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Lanarkshire

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

Redundancy and retirement

How has Michael McLintock helped you?

By providing advice on the affordability for retirement

Have you seen the outcome you were hoping for?

Yes

Michael's reply

Delighted you are happy and now have a sustainable retirement income plan in place. Time to put your feet up and enjoy your retirement.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Midlothian

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

Coming into some money.invrsting

How has Michael McLintock helped you?

Investing and pension arrangements.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He did as requested and I am happy with the outcome.

Michael's reply

Thanks very much for reviewing me. I'm delighted you are happy and have a structured plan in place to secure your retirement income.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Cheshire

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

We used the Royal Bank advisors so when they ceased giving that facility, having satisfactorily consulted Michael McLintock there, it seemed sensible to continue with him.

How has Michael McLintock helped you?

He knew that I am dependent on income from investments and makes sure that I am getting the best from them and I can always get in touch with him if I have any concerns.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything and it is always good to meet up with him once a year at least.

Michael's reply

Thanks for the review. The income plan built for you has performed very well and continues to be sustainable.

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?

Change is personal circumstances - needed to consolidate some investments

How has Michael McLintock helped you?

Setup financial wrapper with Nucleus for ISA and Pension

Have you seen the outcome you were hoping for?

has out performed market in difficult circumstances.

What could they have done better?

nothing really - been pro active to reflect market conditions

Michael's reply

Thanks for your review. The ongoing service I offer makes a significant difference. It's much better than the traditional approach of, invest the money and hope for the best.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in East Lothian

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

He was my husband's adviser and when he died I was happy to continue taking his advice.

How has Michael McLintock helped you?

By reassuring me that he was providing me with a portfolio which met my requirements.

Have you seen the outcome you were hoping for?

Yes, a steady growth in my investments without a high risk factor being involved.

What could they have done better?

Michael is very approachable and I feel free to contact him at any time. I do not think he could improve the quality of service he provides.

Michael's reply

Thanks for the review. I'm glad you are happy.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Fife

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

Wanted to invest/save money towards retirement.

How has Michael McLintock helped you?

Very transparent, honest advice. Took time to explain different options and never felt under pressure to invest. Always felt he has been looking after my best interests.

Have you seen the outcome you were hoping for?

Yes. investments doing very well.

Michael's reply

Thanks for your review.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Midlothian

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

I had funds and savings scattered all over the place.

How has Michael McLintock helped you?

He pulled all my funds together and demonstrated how I could fund my retirement.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I have no complaints at all.

Michael's reply

Delighted you have retired and now know your retirement is affordable and sustainable.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Midlothian

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

Some time ago, we received financial advice from the Royal Bank. They decided to discontinue this service. However, Michael McLintock had been working with us on their behalf. He decided to leave the Royal Bank and set up as an independent financial consultant. As a result, we were were fortunate to have continuity of financial advice from him.

How has Michael McLintock helped you?

He spent a lot of time understanding us as individuals. He got to grips with our current financial position and ascertained our opinions on risk and the returns which we sought from our investment portfolio. He came up with a range of options and guided us through the process to achieve a financial investment package which has delivered on our expectations.

Have you seen the outcome you were hoping for?

Michael visits us regularly and updates us with the performance of our investments. He listens to our views on the markets and makes the necessary adjustments to reflect these in our portfolio. We have enjoyed a satisfactory level of income from our investments and at the same time seen a stable position in the capital value of our investment portfolio.

What could they have done better?

I have nothing but praise for Michael's level of service. He is technically very good and keeps up to date with market issues. He is an excellent communicator and patient enough to explain complex issues to people with limited investment knowledge. He is very trustworthy and always displays the highest professional standards.

Michael's reply

Thanks for your kind words. I take a great pride in the ongoing service I offer and I'm delighted you are so happy. Thanks again

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Fife

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

I came into some money, and wondered what to do with it.

How has Michael McLintock helped you?

He invested it into growth accounts until I needed to draw an income, then he arranged the income.

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

Honestly, I can’t think of a thing

Michael's reply

Thanks very much for the review.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Midlothian

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

Low interest rates meant that I was looking for my money to be invested where it could perform better.

How has Michael McLintock helped you?

He listened to what I wanted and assessed my attitude to risk. He then advised what funds I should invest my money in.

Have you seen the outcome you were hoping for?

The growth I am achieving with my money far outweighs the low interest rates I was getting on my cash ISAs.

What could they have done better?

Nothing. He explained everything that he was recommending.

Michael's reply

Thanks for the review, the cash ISA rates really are poor and I'm delighted you're now making more form your savings.

Review from verified client

October, 2018

Overall