Reviewed for

Insurance and Protection ( 3 )

Mortgages ( 2 )

Pensions ( 57 )

Equity Release ( 3 )

Retirement income (annuities, drawdown) ( 27 )

Investments and Savings ( 81 )

Pension Transfers - Non Specialist ( 14 )

Inheritance Planning ( 17 )

Long Term Care ( 10 )

Pension Transfers - Specialist ( 12 )

Reviewers' assets

£500k+ ( 11 )

£200k - £500k ( 18 )

£100k - £200k ( 17 )

Up to £50k ( 1 )

£50k - 100k ( 6 )

Client reviews

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Devon

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

Having a number of small pensions pots spread out over a number of providers we found ourselves floundering as to what to do when the pensions became payable so kept postponing to the point we needed help to access the funds.

How has Damien Clyburn helped you?

Otter Financial Services provided us with a full review of our retirement financial situation putting together a number of scenario's that reassured us no end. They then pulled everything together for us, all we had to do was provide the information on the funds we had and the contact details and sign authority forms and Otter Financial Services did the rest for us.

Have you seen the outcome you were hoping for?

We absolutely have seen the outcome we were hoping for With out using Otter Financial Services we would have missed out on a 6 month back payment of a company pension scheme that we had no idea was payable, and we would have taken fund monthly from the small pension pots before we actually needed to depleting them unnecessarily. The lump sums sorted out for us have also come in very handy. We would not be in the position we are today without using the services provided by Otter Financial Services, and we are delighted that they are able to provide us with an ongoing service including annual reviews. We are very happy with the services provided, including the reliability and professionalism shown. The individuals working for Otter Financial could not have been easier to get along with and to understand. They made time for us to make sure we understood, and persisted with the not so speedy pension providers! We are delighted to recommend Damien and the team and look forward to working with them for many years to come.

What could they have done better?

In our opinion, nothing really, the whole team were lovely to work with, made us feel welcome and comfortable in the world of pensions.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Devon

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

Approaching retirement & having a number of private pensions, I needed to know the best way I could consolidate these , without overpaying tax

How has Damien Clyburn helped you?

He advised & actioned an agreed financial plan, matching my risk profile

Have you seen the outcome you were hoping for?

Without a shadow of doubt.

What could they have done better?

Nothingg

Damien's reply

Thanks Danuta. Comments much appreciated and it's a pleasure working with you. Regards. Damien.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Devon

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

Maximising savings investments and pensions

How has Damien Clyburn helped you?

Provided comprehensive investment strategy based on my risk profile as well as consolidating a number of work pensions to provide a consolidated pension scheme.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing as far as I am concerned

Damien's reply

Thanks John. It's a pleasure working with you. Appreciate this kind review. Regards. Damien.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Devon

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

We have always used a financial advisor

How has Damien Clyburn helped you?

We were looking for someone local and he has been very helpful in reviewing and reinvesting our small investments.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Kent

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

Inherited monies

How has Damien Clyburn helped you?

Damien changed my investment portfolio to reflect my overall goals.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I trust Damien to make the right judgement according to my circumstances and this has always been a positive step.

Damien's reply

Hi Iris. Thanks for leaving this review. Your positive comments are appreciated and we look forward to continuing our work together. All the best. Damien.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Devon

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

Having a sum of money to invest plus planning towards retirement.

How has Damien Clyburn helped you?

Damien made all the information easy to understand and tailored his advice to my needs.

Have you seen the outcome you were hoping for?

Yes-the investments have performed better than I'd hoped for.

What could they have done better?

In my opinion nothing.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Kent

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

Having moved around with employment I needed to consider long term financial planning to maximise my pensions and with my wife we needed to develop an investment portfolio for our long term plans after receiving inheritances.

How has Damien Clyburn helped you?

Damien did separate risk assessments for my wife and me and developed an investment portfolio which gave us choice over the investments. His advice was independent and professional. He also advised on my pensions - which to consolidate and which to keep separate. I have found that over the years not only has he been professional but our relationship has become as friends.

Have you seen the outcome you were hoping for?

Damien has surpassed himself many times over the years as my circumstances changed with the death of my wife and facing retirement. New plans and chapters have meant revisiting my goals and Damien has always been accessible and helped me focus to achieve my new plans within my financial means.

What could they have done better?

I doubt if he could have done better.

Damien's reply

Hi Graham. Thanks for that review. It has been massive pleasure getting to know you. I very much appreciate your support, kindness, patience and friendship. Re the sense of humour, I'll make no comment on that. It's sad you've move further afield, but I'm glad you've found a new chapter in your life. Good luck, I look forward to continuing to help you, and make sure you visit occasionally. Take care. Damien.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Argyll

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

The need for some expert advice about pensions and investments for the long term.

How has Damien Clyburn helped you?

At various times over the last five years, Damien has given me sound financial advice about investments and pensions, including the consolidation of pensions.

Have you seen the outcome you were hoping for?

With Damien's advice my pension has continued to perform well despite the market volatility and of course the pandemic effect.

What could they have done better?

It is difficult to think of any improvements because Damien and his team have dealt with all my matters with speed, thoroughness and a very high degree of professionalism.

Damien's reply

Hi Nic, Thanks for your kind review - That means a lot to us and is much appreciated. It has been a pleasure dealing with you and we hope that continues for many years ahead. Regards. Damien.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Surrey

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

Sale of house left me with a lump sum to invest

How has Damien Clyburn helped you?

He helped me create a drawdown system of pension and advised on isas

Have you seen the outcome you were hoping for?

Given the effects of covid and brexit - not too bad.

What could they have done better?

Very little.

Damien's reply

Thanks Michael. It is a pleasure dealing with you and Heather. I hope we can catch up very soon. Damien.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Somerset

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

Not sure if I shold have ticked more of the above. We were looking for a financial adviser 20 odd years ago, went to my father's firm, which was good but went downhill after a few years, we reckoned; but we met Damion as a trainee(?) and were very impressed even then, and have been impressed ever since. He and his team do a wonderful, helpful and friendly job and thoroughly deserve their reward.

How has Damien Clyburn helped you?

He helped especially re our pensions and investments over the years.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't believe so; his/their advice has always been extremely sound.

Damien's reply

Ahh thanks Ann - That is really kind of you. it is a pleasure to know and work with you and Haydn. Thanks also for all the lovely lunches you have supplied over the years. I look forward to catching up soon. Regards. Damien.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Devon

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

Highly recommended by a relative. Wanting to find a local reliable FA having been very dissatisfied with a long term disinterested FA

How has Damien Clyburn helped you?

Examined all my financial affairs and advised on significant changes to make my investments work for me!

Have you seen the outcome you were hoping for?

Yes definitely and feel safe!

What could they have done better?

Nothing that I am aware of.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Essex

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

Seeking advice from a qualified financial advisor was the proper thing to do in my case. Living on my own I did need the fimancial help that was always forthcoming from Damien. The ability also to meet up with him was a great bonus, despite the fact that I live so far away.

How has Damien Clyburn helped you?

By being available when ever I needed advice

Have you seen the outcome you were hoping for?

Hopefully YESNOTHING

What could they have done better?

NOTHING

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Devon

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

Making the time to manage my personal investments was always a struggle. I required an IFA to support this process, and to advise on the best long term financial plan for my individual circumstances.

How has Damien Clyburn helped you?

Damien delivered on all of the above, and also co-ordinated the financial strategy across my family's investments and assets.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nobody can deliver the impossible!

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Devon

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

The need to radically revise savings portfolio and place investments optimally.

How has Damien Clyburn helped you?

In every way: advice, redeploying savings etc. and follow-up advice.

Have you seen the outcome you were hoping for?

Yes, indeed

What could they have done better?

Nothing.

Damien's reply

Thanks Derek and Mary, I appreciate the review and we'll do our best as always. Regards. Damien.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Devon

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

Unhappy with previous adviser

How has Damien Clyburn helped you?

A complete turnaround of investments providing peace of mind.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Devon

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

I wanted security and to have someone help me locally that I could turn to for assistance.

How has Damien Clyburn helped you?

Damien is a very likeable person and easy to understand. One is treated as an equal, nothing is too much trouble and he is very reassuring. He is not the kind of person that you would feel afraid to ask anything without feeling embarrassed or that you should know the answer. He is very down to earth.

Have you seen the outcome you were hoping for?

Yes. I am very satisfied with the service I receive.

What could they have done better?

No. DAMIEN is very patient person and looks after my interests.

Damien's reply

Hi Lynn, Thanks very much for leaving a kind review. What you have written means a lot and I am grateful to support you and for the kind words. Thanks again! All the best. Damien.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Devon

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

Coming up to retirement and needed advice on the most beneficial choices available with the pensions we have.

How has Damien Clyburn helped you?

He advised of the options and the consequences of each. He was very concise and clear in his explanation of the possible ways forward. He was immensely helpful.

Have you seen the outcome you were hoping for?

Yes, we are totally happy with the outcome.

What could they have done better?

Nothing could have been done better. He went above and beyond to help us, especially with the Covid restrictions in place. He worked from home and answered questions etc we e-mailed, quickly and efficiently.

Damien's reply

Dear Heather and Vince. Thanks you for the review, I am grateful that you have taken the time to provide that. It has been a pleasure getting to know you, and I look forward to working with you for many years to come. Best Wishes. Damien.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Damien

Damien was very helpful and informative, he outlined his charges clearly.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Devon

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

Needing financial advice

How has Damien Clyburn helped you?

Offering advice

Have you seen the outcome you were hoping for?

Always would like more

What could they have done better?

?

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Devon

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

Advice required as a self employed person as I felt totally responsible for my post career pension.

How has Damien Clyburn helped you?

Personal attention to detail over a period of meetings facilitated my understanding of what was required and processes involved.

Have you seen the outcome you were hoping for?

Not yet as not retired but monitoring sessions and updates with Damien leaves me very hopeful of a successful outcome.

What could they have done better?

Damien is significantly better than a previous IFA: he is proactive in chasing me up to keep me involved in what is a challenging environment.

Damien's reply

Juliana, It a pleasure knowing and dealing with you. Thank you for trusting me with you affairs and being open and honest during our meetings. Hopefully, look forward to helping you for many more years. Look forward to catching up soon. Damien.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Devon

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

Originally I went to Damien for investment advice to achieve a better financial return. In more recent years I have focused particularly on pensions and consolidating different pension funds to maximise returns.

How has Damien Clyburn helped you?

Damien explained things in very understandable terms (but recognised that I had some awareness of financial products). Damien undertook a full financial review for me before starting to make recommendations of investment products based on my assessed risk profile. More recently Damien has helped with consolidating pension and investment products to maximise returns and minimise costs.

Have you seen the outcome you were hoping for?

I have been very pleased with the investment returns over the many years that I have been a client of Damien's

What could they have done better?

Damien has kept pace with the use of technology and modelling tools which he uses during annual reviews and to illustrate changes to proposed investment portfolios. During the Covid pandemic we held our review via Zoom which worked really well. I have also found Damien very responsive to requests for information even sending me emails whilst he was on holiday!

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Devon

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

Was looking to consolidate a number of pension products accumulated over time

How has Damien Clyburn helped you?

Very well. Knowledgable, friendly, pro-active. Got it all sorted out in no-time.

Have you seen the outcome you were hoping for?

Yes. All in one place and healthy and sustainable growth of policies

What could they have done better?

Nothing

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Devon

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

Finding the best way to deal with my money for planning for retirement

How has Damien Clyburn helped you?

I am confident my money is safely invested

Have you seen the outcome you were hoping for?

Not yet...

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Devon

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

Advice on consolidating pensions and review of financial situation

How has Damien Clyburn helped you?

Providing advice and suggestions and reviewed current financial situation

Have you seen the outcome you were hoping for?

Yes although this is obviously a long term plan

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

To manage pension lump. sum and inherited money from parents

How has Damien Clyburn helped you?

Suggested plans for investment

Have you seen the outcome you were hoping for?

My savings have provided a regular income and maintained/increased

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Devon

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

Initially, the death of my husband and help dealing with his financial affairs. More recently my retirement from work and consolidation of various personal pensions, investment and tax saving advice.

How has Damien Clyburn helped you?

He researched all the necessary and relevant (to me) information. Presented the information in advance of face to face meetings in a clear, thorough report and took the time to explain or clarify any queries I raised.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of.

Damien's reply

Thanks Eva. It has been a pleasure helping you, and also getting to know you better over the years. I very much value your support and friendship. I look forward to helping you for many years ahead. All the best. Damien.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Surrey

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

The need to save a sizeable amount of money in the best way.

How has Damien Clyburn helped you?

He explained the various options open to me.

Have you seen the outcome you were hoping for?

Yes. The investments grew at a decent rate.

What could they have done better?

Sometimes the explanation of a point can seem very complicated to a layman. What is everyday to the expert is not always as obvious to those not in that world. Simplification sometimes would help.

Damien's reply

Hi Michael, Thanks for the review, much appreciated. Apologies for the complication on occasions, please do let me know if you need clarification at anytime. I'll try and keep it simpler in the future. All the best. Damien.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Devon

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

Retired early from work and wanted to talk through my financial planning and receive advice on the best way to get maximum benefit from the money I had/was going to get

How has Damien Clyburn helped you?

I met Damien with my wife after completing a full summary of our financial position. He discussed our hopes and plans for the future with us and offered advice on the best way forward. We had money that we wanted to invest and Damien offered his advice on what he saw was the best investment for us. Since that time, we have met on-line and reviewed our situation and investment.

Have you seen the outcome you were hoping for?

Yes. We have been pleased with the performance of the investment that Damien recommended.

What could they have done better?

Not sure. Damien provided friendly, non-pushy advice to us and we were happy to accept his recommendation. He has been supportive and friendly at all times.

Damien's reply

Hi Keith, Thank you for the kind review. It has been a pleasure working with you. I hope our relationship goes from strength to strength and continues for many years ahead. You know where I am if you need me at anytime. All the best. Damien.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Devon

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

Investment of inheritance

How has Damien Clyburn helped you?

Getting a monthly income and a low risk investment plan

Have you seen the outcome you were hoping for?

Yes

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Devon

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

Damien is my local financial advisor and was the first person I contacted when I was not happy with the service provided by an existing financial adviser.

How has Damien Clyburn helped you?

Damien has done a full check on all of my finances and insurances and helped and guided me to look at what I need to now to achieve my future goals. He also checked that I have the insurance cover that I want now.

Have you seen the outcome you were hoping for?

Yes, we are consolidating everything to make things easier going forward which was what I asked him to do.

What could they have done better?

I have no points to make here, I am 100% happy with the service provided.

Damien's reply

Thank you for the review. It has been nice working with you, and I look forward to continuing to assist you with meeting your goals. I look forward to long, happy and successful relationship. All the best. Damien.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Devon

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

Had a cash lump sum from my pension and inheritance money to invest.

How has Damien Clyburn helped you?

Found the best places to invest my money.Also advised on a long term plan into retirement.

Have you seen the outcome you were hoping for?

Yes-despite Bexit and COVID 19

What could they have done better?

I can't think of anything he could have done better.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Kent

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

Long term financial investment leading up to retirement

How has Damien Clyburn helped you?

Damien regularly reviews our investments along with our requirements.

Have you seen the outcome you were hoping for?

Yes the investment strategy is working well.

What could they have done better?

Nothing. Damien is engaging and contactable. He takes time to listen and suggests possible pathways. During the past few months he has offered relevant webinars to enhance our wellbeing. I have complete trust in his independent financial advice.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

We first spoke to Damien before my late husband was due to retire. He had been self employed for more than 40 years and his personal pension was not as good as we would have like so we asked Damien for his advice as to what we do with the pension. His advice proved excellent.

How has Damien Clyburn helped you?

He was very honest and advised us to leave the pension where it was but helped us invest our savings wisely with very good results.

Have you seen the outcome you were hoping for?

Yes I have seen the outcome I wanted. I shall be retiring next year with little worries about my financial status.

What could they have done better?

I don't think he could have done anything better. He has been an enormous support since the sudden death of my husband, I would not have been able to deal with the financial side of his life without Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Surrey

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

I inherited a certain amount of money after the death of my parents and needed help on how to deal with it.

How has Damien Clyburn helped you?

Damien organized investments and ISAs. Also dealt with a trust for my grandchildren which proved to be rather complicated. Damien coped with it all with calm assurance and complete professionalism. I have total confidence in him.

Have you seen the outcome you were hoping for?

Yes. Until the pandemic hit, obviously. But I trust Damien to see me through.

What could they have done better?

Nothing to say on this.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

Having been fortunate to receive an inheritance. Both my self and my husband at the time were unsure about how to use or invest the monies for our future. Which is when we turned to Damien for advice.

How has Damien Clyburn helped you?

Fortunately my husband and i did turn to Damien for advice as since then and over the past two years i have suffered the tragic loss of my husband and other personal events. I have turned to Damien at these times to help with my future planning and feel i have always received good sound advice and feel safe that the plans in place by Damien will secure me for the future. I cannot rate him enough. He has always listened to my concerns and explained things fully. With out any jargon which was beyond my understanding. Thank you Damien for being so patient and understanding. It has been most helpful during a difficult time.

Have you seen the outcome you were hoping for?

Yes, i feel my future is secure and am safe in the knowledge that when i do decide to retire. My finances will cover my needs for the future.

What could they have done better?

I cannot fault the advice Damien has given me and look forward to working with him in the future.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

My private pension plan before I retired, was being handled up country and I needed someone local to "Take charge of my investments" and give me direction . A person to whom I could talk to face to face. My monies were being handled by a very good company but my advisor used to visit the company I worked for , he came down from Swindon and was taken ill after I left that employment in 1999. The person that took over was just a VOICE over the telephone, I only met him once and was not very impressed. ,

How has Damien Clyburn helped you?

Damien helped me , although my money was invested . to re-invest and explain all the options which would be most beneficial to me in my circumstances. Before finances scared me but Damien treats me as an equal and is very easy to get on with.

Have you seen the outcome you were hoping for?

Yes I have and am re-assured by knowing if I have any problems, I can always contact Damien as he is a friend now....... not just an advisor.

What could they have done better?

I cannot find fault with Damien at all. If I do not agree with anything he has told me, I am not afraid to ask him questions as he never makes me feel small by his replies. Sometimes it might sound like a criticism on my behalf, I hope I am of average intellingence for my age , but being "slightly" older than him he treats me with respect.

Damien's reply

Thanks Lynn. A very nice review for which I am grateful. I'm here to chat about anything, not just financial matters. Keep the email banter coming! Take care and catch up soon. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Essex

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

I have been a client since 1987 when Arthur STEVENS was thge man I had met following my retirement from the Metropolitan Police. Since the business was taken over by Damien ,I have continued to be impressed by his help and knowledge when dealing with my affairs.

How has Damien Clyburn helped you?

Giving his opinion on my affairs and pointing me in the right direction.

Have you seen the outcome you were hoping for?

With the present world wide situation the returns have not be up to the hoped for target. Promises to the financial are always hoped for.

What could they have done better?

I realize that any business is on a one to one basis, but it would have helped if I live a little nearer to Ottery. Instead I am kept informed of my present financial situation by regular updates from Ottery.l

Damien's reply

Thank you Michael, Appreciate the review. See you in London when things revert back to the 'new normal'. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

Retirement

How has Damien Clyburn helped you?

He evaluated my situation and drew up a Lifetime plan for my retirement and investments

Have you seen the outcome you were hoping for?

It is a difficult time at the moment but I feel that I have been advised well and I am confident in my adviser

What could they have done better?

I have no complaints at this time

Damien's reply

Thanks Di, Appreciate the reply - Hopefully you will have no cause for complaints at 'anytime' (:- All the best. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

Disappointed with previous financial adviser.

How has Damien Clyburn helped you?

A total review of my financial circumstances and recommendations to stream line future planning

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Sorry that I don’t have any constructive suggestions. I am just delighted to have someone who is helpful and easily accessible and the reassurance that my finances are in safe hands.

Damien's reply

Thanks Hilary, It has been lovely to get to know you over the last year or so, and thank you for sharing so much. It is great working together and I hope it is a long and successful relationship. All the best. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

We had some money to invest.

How has Damien Clyburn helped you?

With advice and planning.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing.

Damien's reply

Thanks Lesley. I appreciate the review. Take care and see you soon (ish). Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

I am still working but have just turned 60, so a couple of my pensions matured. I needed to know what to do next to gain the best pension, once I am ready to retire.

How has Damien Clyburn helped you?

He advised how to make the best of the pension, arranged payment and transfer, setting up direct debits etc. to reinvesting into another pension. Most importantly this happened just before lock down, so he was `virtually' holding my hand throughout, calming me down when I worried about investments dropping.

Have you seen the outcome you were hoping for?

It will take a while, but I do trust that it will all come right.

Damien's reply

Hi Ros, Thank you for the lovely review. it has been great to work with you and I hope I can continue to 'hold your hand' throughout retirement. It is a pleasure, and you now where I am when needed. All the best. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Surrey

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

Pension investment

How has Damien Clyburn helped you?

He gave us help with pension investment and personal savings investments.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

Nearing retirement, I wanted updated advice on how best to consolidate a number of personal pensions & a tax efficient way to provide retirement income

How has Damien Clyburn helped you?

Damien provided a very detailed but clear strategy for me and introduced me to a special final pension salary expert.

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

Nothing as far as I'm concerned

Damien's reply

Hi Danuta, Thanks for the kind review. It is a pleasure working with you. I am glad you sleep soundly and we do our very best to weather all the storms life can through at us! Take care and look forward to seeing you soon. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

To be secure in retirement with a regular fixed income, secure in the knowledge my investments are being managed with advice from a professional.

How has Damien Clyburn helped you?

His friendly approach and genuine concern and understanding for our financial future. Damien and his team always makes themselves available for any issues that arise and willing to advise. His polite, friendly , very reassuring and a person I have come to trust emphatically through the years we have worked together. During the last six months, life with Covid 19 has not been easy for any of us, but the support from Damien has been second to none. The webinars he set up we found very useful in every way and helped us to maintain a positive attitude. His support was amazing in these so worrying, difficult times. Even to the friendly phone call just to check, how we were! So much appreciated. A friend and a Professional.

Have you seen the outcome you were hoping for?

Most certainly. In these unprecedented times felt secure that our finances are in good hands.

What could they have done better?

Damien and his team did all that was possible for us in such difficult times. Left no stone unturned.

Damien's reply

Hi Charles. Thanks you for this review. It has been a privilege and a pleasure to get to know you and Christine over the years. Long may it continue. Despite the professional relationship initially, like all our clients we hope they flourish into long and meaningful friendships. It has certainly been that way and I value the friendship,as well as the professional relationship we have developed. I am glad the support we have provided has proved useful and reassuring. Take care and look forward to catching up soon. Damien.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Devon

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

Needed to retire early because of ill health and maximise my income. Damien advised ways of combining my 4 pension funds and gaining an income to live in

How has Damien Clyburn helped you?

By helping Identify My goals and needs and putting together a plan to achieve them.

Have you seen the outcome you were hoping for?

Yes. My wife and are financially safe and stable to enjoy life rather than worrying about money

What could they have done better?

I can’t think of anything. Damien responds to emails quickly. One one occasion whilst on holiday. He doesn’t switch off. I consider him a friend and trusted adviser

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Devon

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

When we retired to Devon, we sought a financial adviser who was in the local community and whom would understand our needs and would confidently take from us the burden of knowing how best to protect and preserve the savings that we had accumulated to see us through our retirement.

How has Damien Clyburn helped you?

Damien understood what we wanted in terms of our future financial needs and our later desire to invest more ethically. Damien advised on an investment that met those initial requests and later found for us an investment with a better ethical profile. He has continued to determine our current investment needs and report to us in clearly understandable ways how investments are progressing, including at regular face-to-face reviews. We believe that we have an excellent working arrangement and we wholly trust in the advice we receive.

Have you seen the outcome you were hoping for?

The service we have received from Damein has more than met our expectations. Our ethical investments match our regularly reviewed investor risk profile and they have outperformed market indices - recognising of course that there are no guarantees on this front.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Devon

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

Need to invest cash

How has Damien Clyburn helped you?

By excellent explantions of the options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot honestly find anything to improve

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Devon

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

I had to sell my business because of Health issues at 60. I was left with a small amount and 4 pension funds. I needed help getting the best income I could from these funds. To support my wife and I.

How has Damien Clyburn helped you?

Damien carried out a full review of our circumstances and lifestyle ambitions.This included contacting the pension funds to seek the best options, taking detailed information of our living costs and future plans. After which he came up with a number of options of which we opted for a SIPPs with a medium/low risk.

Have you seen the outcome you were hoping for?

We now have enough to live well until our state pensions kick in. At which time we will reduce our drawdowns to maintain our lifestyle. Damien has been there all through the process even replying to my emails whilst on holiday. The fund as already seen a 3% in 9 months covering all initial fees. Damien continues to be there fir future guidance and advice

What could they have done better?

I can’t think of any way the service could be improved. This is a small firm, which means you get a very personal service. The two girls in the office where very helpful and Damien is a knowledgeable advisor who I instantly thought I could trust with my retirement plan.

Damien's reply

Hi Gordon, Thank you for leaving this review. It has been a pleasure to help your transition into retirement and I hope we can do work together for many years ahead. All the best. Damien.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Devon

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

I was approaching retirement & needed advice on consolidating pensions

How has Damien Clyburn helped you?

Damien did a detailed portfolio review and produced a number of options for me

Have you seen the outcome you were hoping for?

Very much so. His knowledge & competence has benefitted me greatly

What could they have done better?

In truth, Damien could not have done anything better. His approach & commitment has been consistently good.

Damien's reply

Thank you Danuta. This review is much appreciated and it is a joy to work with you. I hope the positive relationship continues for many years ahead.

Review from verified client

June, 2019

Overall

Advice

Service

Value

Based in Devon

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

I had previously used a Nationally known financial adviser, but after attending a "Lunch and Learn" event presented by Otter Financial Services, I realized that I needed an experienced financial adviser, who was not only local to my Wife and me, but who was prepared to help us when required.

How has Damien Clyburn helped you?

I cannot emphasize just how thorough and professional Damien was in assessing my risks and aspirations towards financial planning, before taking us on as his clients. whilst all this took some time I was delighted with with the detailed summaries I received

Have you seen the outcome you were hoping for?

I was delighted with the initial outcome but as my Wife and I are new clients of Damien it is too early to predict what will happen in the future, but I am confident that Damien will look after our financial investments in the best manner possible.

What could they have done better?

I wish I could think of something, but I cannot.

Damien's reply

Thank you Brian. I look forward to working with you and Rosie for many years to come. I appreciate the review you have left. All the best. Damien.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

Approaching retirement, I needed to understand and consider the options available to me to use my personal pension plans to provide a tax free lump sum immediately and provide an income in retirement.

How has Damien Clyburn helped you?

Damien took time to provide information and advice on the options now available, and especially to discuss the pros and cons of each with regard to future flexibility of a drawdown arrangement against a guaranteed set amount though the purchase of an annuity.

Have you seen the outcome you were hoping for?

Early days, but very satisfied with the initial outcome and service commitment.

What could they have done better?

Sorry: can't think of anything thus far.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

Approaching retirement and a need to update my saving plans

How has Damien Clyburn helped you?

Consolidating my investments to provide an income on my retirement

Have you seen the outcome you were hoping for?

Not yet implemented

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

I needed advise on investments.

How has Damien Clyburn helped you?

My husband and I have used Damien for a few years, sadly my husband passed away last year and Damien helped me a lot with good sound trustworthy advise, presented in an uncomplicated manner, making a very difficult time a little more bearable.

Have you seen the outcome you were hoping for?

Obviously investments are prone to fluctuate, but yes, so far I have.

What could they have done better?

Nothing, always happy to meet with Damien.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

wanted advice regarding consolidation of pension plans and better use of existing savings.

How has Damien Clyburn helped you?

He looked at the existing pension plans and saving vehicles already in use and made recommendations in line with my risk assessment.

Have you seen the outcome you were hoping for?

Early days yet but am confident that sensible steps have been taken to consolidate funds to allow easier future assessment and that we have made the most of gains already made.

What could they have done better?

Cannot think of anything that could have been better

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

professional mgmt of portfolio

How has Damien Clyburn helped you?

amalgamated various policies into one

Have you seen the outcome you were hoping for?

Time will tell :-)

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

Several years ago I was involved in development work overseas. On my return I was fortunate to be offered a place on a finance and investment workshop as part of my repatriation to the UK. I had no job at the time and needed to think about my future: both employment and future financial considerations. This helped me to see the potential need for an I F A particularly as I eventually decided to become self employed. When I relocated to Devon, it made sense to have local advice and support and Damien Clyburn was recommended.

How has Damien Clyburn helped you?

Damien supported by reviewing the package I had from the previous IFA and reorganised it for my current and future pension needs. My personal situation had also changed and he was mindful of financial changes regarding a new partner and the effects on pensions whilst living and after death. His attitude to explaining and informing me of what he was advising was done in an accessible and jargon-free manner. His professional manner is of a high quality which is equalled by his care and consideration of my lifestyle: whilst my partner underwent major health treatment, Damien frequently contacted for updates on his situation.

Have you seen the outcome you were hoping for?

I receive both regular updates regarding investments with an invitation to discuss any issues I may have. I also welcome the email newsletters which provide me with things to think about in the light of world and UK political influences on investments as well as local news of Damien's changes and growth of his service. I have been informed and appreciate through a seminar session offered to all clients by Damien of confidence in uncertainty with the long term approach.

What could they have done better?

A bit of a challenge this one as I think Damien is doing a sound job and I particularly enjoy knowing he is active in reviewing the level of his service he offers to his clients via external monitoring mechanisms.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

My wife and I are in our 50's and looking for advice regarding our occupational and personal pensions as we plan towards our retirement.

How has Damien Clyburn helped you?

He produced many reports detailing our income in retirement and demonstrated clearly the sustainability of that income throughout the rest of our lives.

Have you seen the outcome you were hoping for?

We are yet to start drawing our income but Damien has enabled us to plan and give us confidence for our futures in retirement. The tools he used to show us our income and wealth after we retire has been invaluable. This has meant we have been able to make clear decisions now to enable us to look forward to an enjoyable retirement.

What could they have done better?

We cannot rate Damien enough. He took us through a process which made it all very clear and gave us a light bulb moment and a future to look forward to. We don't think he could have done it any better and we are extremely grateful.

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in Devon

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

After a change in circumstances I needed help to sort out my finances to fund my retirement

How has Damien Clyburn helped you?

I previously had little knowledge of financial services and options available to me , Damien helped me to explore the options, the benefits and the risks of different investments. He did not pressurise me into any action but gave me time and information to make a decision I was comfortable with .

Have you seen the outcome you were hoping for?

So far all is going to plan .Damien has shown me evidence of how markets can fluctuate according to world events so I am aware returns can go up and down but in the long term with medium risk I can be reasonably confident.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Devon

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

As a couple we reached a point in our lives, due to leave work etc, where we felt we needed to sit down face to face with an advisor for him/her to listen to our financial thinking and give us advice on the best way forward for us.

How has Damien Clyburn helped you?

He listened to us, asked questions as he needed to and we felt, took the time to understand us. He was professional, friendly and did not pressure us in any way. After receiving his advice, we followed the pension choices we had discussed and took out the investment that Damien had recommended.

Have you seen the outcome you were hoping for?

We got the reassurances we were hoping for and the investment that Damien recommended. It's too early to expect any significant return, but we're in it for the long term and look forward to the future.

What could they have done better?

Although I have never been in a role offering financial advice, I do have a financial background and a good general understanding, so I felt I knew what to expect. The service Damien gave us was exactly what I was expecting and hoping for. Damien is a friendly guy and we both felt at ease with him, which was nice.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Devon

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

I had approx £150k to invest after downsizing from a large house in an area where property prices were high and moving to an area where property was cheaper. I wanted an investment with the prospect of growth so that my wife, who is much younger than me. could have a comfortable financial future.

How has Damien Clyburn helped you?

He went over our financial situation very carefully in the course of a long interview, explained every carefully and answered allurquestions.

Have you seen the outcome you were hoping for?

Not yet but we made our decision to invest a few months ago and the uncertainty surrounding Brexit has had an adverse effect on the stock market.

What could they have done better?

My wife is a US citizen and has investments in America. Damien acknowledged that he lacked expertise in US tax matters but offered to put us in touch with someone who could advise.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Bristol

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

I have power of attorney for my father. After the sale of his house I needed advice on how to balance providing for his care and investing for his grandchildren (my children).

How has Damien Clyburn helped you?

He provided illustrations of various scenarios which helped us formulate a plan. It gave me confidence that I was striking a sensible balance between risk and reward. I also receive regular financial newsletters which I find very useful.

Have you seen the outcome you were hoping for?

Yes, considering all the current Brexit uncertainty.

What could they have done better?

I’m very happy with the service so far and the jargon free approach to investments.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Devon

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

Setting up a Trust for my 4 children after sale of my house. (And death of my wife)

How has Damien Clyburn helped you?

Firstly by his friendly greeting and willingness to explain all options regarding investments and how the trust could be invested to the best benefit to all concerned. The home visits were so valuable and made it comfortable for me as a novice to financial affairs. He spoke in plain English and time was never an issue and willing always to explain to the depth I required.

Have you seen the outcome you were hoping for?

Early days as yet but performance after the first year were very encouraging. I was indeed very satisfied. Having received a very accurate prediction from Damien.

What could they have done better?

Damien is a hard worker but always appears as he has time for you, I can not fault him as a financial planner, and regard him now as a friend.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Devon

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

My husband arranged it when we found out his cancer was terminal

How has Damien Clyburn helped you?

He helped my husband sort out his affairs before he died and has helped and advised me with my financial affairs since.

Have you seen the outcome you were hoping for?

It’s a difficult time with brexit, but I trust Damien to steer me in the right direction.

What could they have done better?

Damien is always at the end of the phone if I’m concerned about anything and he and his team are more like friends now.

Review from verified client

December, 2018

Overall

Value

Service

Advice

Based in Surrey

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

Advice on pensions

How has Damien Clyburn helped you?

He gave us great advice and has managed our pension for the last 5 years.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Devon

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

We meet Damien when we were due to receive our pensions and needed advice.

How has Damien Clyburn helped you?

He helped us invest our money wisely to get the most of what little we had.

Have you seen the outcome you were hoping for?

I am still preparing for retirement, and Damien is assisiting me in this

What could they have done better?

Nothing, he is always available for good advice and his approach is very friendly, without pressure.

Review from verified client

October, 2017

Overall

Advice