Carl Melvin

Please provide a brief comment about your experience with Carl

I needed somewhat broad advice about a few things to do with my finances. I visited the Bridge of Weir branch today and Carl called me at home, a couple of hours later. In conclusion, I do not need Carl's services at the moment, but he spent considerable time explaining many of my queries. I'm very grateful. Thank you ?

Please provide a brief comment about your experience with Carl

Carl took time to clearly explain the options available to me to take money from my pension and also brought other issues to my attention such as estate planning. I was impressed by his knowledge and friendly approach with no hard sales pressure.

Please provide a brief comment about your experience with Carl

Good reliable advice regarding my future planning , pensions and savings

Please provide a brief comment about your experience with Carl

Carl covered many aspects of financial planning, focusing on the need for tax and inheritance planning. He was very helpful and not pushy in any way. I would recommend him.

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

I have a secondary paid role and wanting to explore establishing a company on tax efficiency grounds.

How has Carl Melvin helped you?

Carl got in touch really quickly despite being very busy and talked me through the key options and implications and referred me to someone who could do the paperwork for me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Change of employment

How has Carl Melvin helped you?

Advised steps required and financial plan for retirement at specific age

Have you seen the outcome you were hoping for?

Yes - on track

What could they have done better?

N/A

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

How has Carl Melvin helped you since your last review?

Advice on making a will and preparing list of things to do for my family after I am gone.

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

How has Carl Melvin helped you since your last review?

Carl has provided advice regarding my Pension transfer which was delivered professionally, to good quality and in a timely fashion. Carl has also helped me on occasion with referrals for assistance for others.

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

How has Carl Melvin helped you since your last review?

I have had some major expenditures in the last year and he has guided me through this carefully and reassuringly.

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

How has Carl Melvin helped you since your last review?

Carl has continued to offer me valuable support in my financial awareness and helped maintain a reasonably healthy return over the period. As always he does this in a friendly approachable way and fully explains the ins and outs of my pension and savings. Highly recommended and thanks for his good work and support

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

How has Carl Melvin helped you since your last review?

Carl has advised me how to manage my finances and how to get the best return for my money.

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

How has Carl Melvin helped you since your last review?

As always gives us friendly advice, giving us options to think over when needed. points out the pros and cons during the process.

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

How has Carl Melvin helped you since your last review?

We had our annual review meeting with Carl. No dramatic changes in our circumstances. We have confidence in all the advice we receive from Carl.

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

How has Carl Melvin helped you since your last review?

Good advice

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

We needed to bring our money to one place

How has Carl Melvin helped you?

He was so knowledgeable and made our advice easy to understand

Have you seen the outcome you were hoping for?

We had access to review what could happen when we moved our money around

What could they have done better?

N/a

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

How has Carl Melvin helped you since your last review?

Excellent general financial advice.

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

How has Carl Melvin helped you since your last review?

By continuing to give me the financial help and information I require.

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

How has Carl Melvin helped you since your last review?

Advised/updated wills end of life planning.

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

How has Carl Melvin helped you since your last review?

Following to the death of my wife and associated changes to my financial position Carl and his team have been caring, considerate and informative throughout in restructuring my finances and affairs

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

How has Carl Melvin helped you since your last review?

Advice on savings and retirement income with pointers towards help for family once I am gone.

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

How has Carl Melvin helped you since your last review?

Explained my current portfolio position related to the current global investment situation.

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

Pension consolidation

How has Carl Melvin helped you?

Carl organised all my pension plans into a single drawdown fund handled by Transact

Have you seen the outcome you were hoping for?

Yes I have

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

How has Carl Melvin helped you since your last review?

Carl has continued to meet all our needs in a professional manner. I have every confidence in him and his team.

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

How has Carl Melvin helped you since your last review?

In relation to inheritance, I found Carl to be very friendly, knowledgeable, professional and a good communicator, he provided good advice to help me with informed decisions. Appreciate if you can continue to keep me well informed. Thanks again for your support

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

How has Carl Melvin helped you since your last review?

Since my last review Carl has provided excellent advice and analysis with regards taking my Civil Service Pension early.

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

How has Carl Melvin helped you since your last review?

He has advised me about the use of my ISA allowance available to me for funds available for investment after downsizing my home.

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

How has Carl Melvin helped you since your last review?

I inherited a substantial amount of money from my late Dad's estate and Carl went through the tax efficient options for using this. His recommendation to use pension contributions and ISAs allowed it to be used to lower my tax bill and make tax efficient investments.

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

How has Carl Melvin helped you since your last review?

Carl has provided expert helpful advice regarding Powers of Attorney & Wills

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

How has Carl Melvin helped you since your last review?

Continued to offer sound advice on budgeting & future financial planning.

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

For a number of years I had managed my finances. I had spread my savings over a number of high interest fixed rate bonds. At some point high interest rates collapsed and I began to invest on my own behalf. At a later time I had further money to work with and I decided that I needed professional financial help. I approached a financial adviser in Paisley. I felt that this particular individual did not have the professional approach that I was looking for. I contacted Affluent Financial planning and I was immediately impressed by the friendly but professional approach of Mr Melvin.

How has Carl Melvin helped you?

My immediate family has some unique issues that can impact on the financial well being of my wife and I together with the larger family. Mr Melvin has taken to address these matters at some length with me and offered sensible advice where appropriate. I have been a client of Affluent Financial Planning since 2015. Throughout this time I have received a helpful and professional experience from Mr Melvin and the entire team. It has been my experience that Mr Melvin is very thorough and has helped me in many ways to help secure a sound financial future for me. This has included the importance of securing vital legal documents with Affluent Legal. This work was carried out in a similar professional way as Affluent Financial Planning.

Have you seen the outcome you were hoping for?

Yes. Very much so.

What could they have done better?

I really can't think of anything.

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

How has Carl Melvin helped you since your last review?

Carl has helped me retire early and has explained through life planning what my financial future looks like. He has provided different financial options for me to consider so that I can have the best retirement.

Please provide a brief comment about your experience with Carl

I found the discussion with Carl extremely helpful. I have a far better understanding of my situation.

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

I was looking for advice on my pension and if I was on the right track.

How has Carl Melvin helped you?

Carl spent time discussing my situation and giving me valuable advice which I will use going forward. He was knowledgeable and understood my concerns.

Have you seen the outcome you were hoping for?

I received the advice I was looking for.

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

When looking to improve the management of our finances and retirement planning. my husband and I were referred to Carl by one of his existing clients.

How has Carl Melvin helped you?

Carl and his team at AFP have taken the time to understand our future goals and translate them into a clear and realistic financial plan.

Have you seen the outcome you were hoping for?

Yes -Carl and his team are professional, contactable, prompt in their actions and responses. With regular reviews meetings we have confidence in our future financial plans.

What could they have done better?

We have been working with Carl and his team for over none years- we wish we had been aware of their services sooner.

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

How has Carl Melvin helped you since your last review?

Sound advise

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

How has Carl Melvin helped you since your last review?

The annual review with Carl continues to provide the comfort that my financial plans are on track, such that my wife and I can get on with enjoying life rather than worrying about finances. In addition, when confronted with some specific issues this year relating to tax returns, Carl was able to point me at a specialist tax adviser from his list of contacts who provided me with the answers I required. A truly excellent adviser knows when to provide advice and when to direct you to another specialist. Carl is one such adviser.

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

I was looking for help regarding financial planning for the future.

How has Carl Melvin helped you?

Carl was amazing in explaining all options available to me under my specific circumstances.

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with Carl

I am relatively clued up about financial affairs but facing the prospect of early retirement on health grounds there was a concern that I was not properly prepared. Carl displayed a terrific range of knowledge and was able to both reassure me and identify areas that I had not been aware of.

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

Pension options

How has Carl Melvin helped you?

Allowed me to live my best life thanks to his advice.

Have you seen the outcome you were hoping for?

More than expected

What could they have done better?

Nothing

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

How has Carl Melvin helped you since your last review?

Continued to allow me to enjoy my best life, Whilst keeping me on track for my long term aim.

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

How has Carl Melvin helped you since your last review?

Professional information given on circumstances in an easy way to understand

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

How has Carl Melvin helped you since your last review?

Carl and his team continue to provide superb service and advice. Nothing is too much trouble.

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

We engaged both Affluent FP & Affluent Legal services to resolve a problematic financial situation

How has Carl Melvin helped you?

Carl and his team resolved the issues with the utmost professionalism; whilst conveying the issues in an open, transparent and engaging manner.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Help finance planning

How has Carl Melvin helped you?

He has given us good advice of finance

Have you seen the outcome you were hoping for?

Yes we understand the “ups and downs “ of investment and long term gains

What could they have done better?

Comms are good so I think this a difficult question

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

How has Carl Melvin helped you since your last review?

Yes with help

Please provide a brief comment about your experience with Carl

The knowledge of this man is very impressive. He took an interest in the whole of my family and did not press me to become a client. Very good indeed.

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

How has Carl Melvin helped you since your last review?

Carl, on an ongoing basis, continued to give great advice and guidance on my financial matters. This has helped maintain my affairs in a reasonably healthy state despite the highly volatile market variations due to all sorts of external pressures. Carl is always available for help as required and the support team he has developed around him. Again cannot commend highly enough.

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

I was looking to discuss general financial planning for my future.

How has Carl Melvin helped you?

Carl engaged in a very open and transparent way. He explored all me personal financial situation and was super attentive during our discussion. We reviewed options and agreed sensible next steps. Carl's advice was helpful and at no time did I feel under any pressure whatsoever in relation to engaging his services. A super professional experience with a very engaging professional.

Have you seen the outcome you were hoping for?

We are still working on my desired outcome however I have no concerns whatsoever.

What could they have done better?

Nothing really.

Please provide a brief comment about your experience with Carl

Helpful advice.

Please provide a brief comment about your experience with Carl

At our first meeting Carl was very helpful in reviewing my pension options. He was open and honest and gave me a clear indication of what his services entail and would cost for a full financial review and plan for myself and my wife. He was very fair in advising that at this current time it was probably not appropriate to engage with him further (i.e. become a customer) at this stage. Furthermore, based on the information I provided during our conversation he provided, free of charge, very helpful interim advice which I will be sure to follow up on.

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

I required a knowledgeable Advisor to steer me in the right direction with regards to my Pensions, Savings, and Property.

How has Carl Melvin helped you?

Carl and his Team are exceptionally knowledgeable. Carl was able to offer me much needed advice and direction, and I knew that I was in the right hands.

Have you seen the outcome you were hoping for?

Absolutely! Carl provided information that I hadn't considered, and I'm so truly grateful. Highly recommended.

What could they have done better?

Nothing, delighted with all the advice.

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

How has Carl Melvin helped you since your last review?

I have received my annual review from Carl. Happy with all the advice and confident my affairs are in good hands.

Please provide a brief comment about your experience with Carl

Carl and his team have been very accommodating and provided insightful, accurate and helpful guidance. First impressions have been excellent!

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

Approaching retirement age. Needed financial assistance.

How has Carl Melvin helped you?

Organised all aspects of pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Carl Melvin helped you since your last review?

I have nit required any help from Mr Melvn since my last review.

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

How has Carl Melvin helped you since your last review?

Monthly updates via e-mail & newsletters.

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

How has Carl Melvin helped you since your last review?

Protected my investments from full effects of recent downturn

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

Security for our retirement. Expertise in investments

How has Carl Melvin helped you?

His presentations are excellent. Easily understood by a layman. Great advice.

Have you seen the outcome you were hoping for?

Absolutely

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

How has Carl Melvin helped you since your last review?

Carl and his team at AFP are proactive in providing regular reviews to ensure my finances are in line with my future plans and attitude to risk and visa versa. Whenever I have had cause to contact them the response has been both prompt and professional.

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

How has Carl Melvin helped you since your last review?

Our annual planning review with Carl continues to provide us with comfort that our financial plans remain on track, even in the face of volatile and uncertain investment markets. In addition, whenever we have sought ad-hoc advice from Carl through the course of the year, he has provided this quickly and concisely, enabling us to take decisions with confidence.

Please provide a brief comment about your experience with Carl

Carl provided a very professional but friendly service pitched correctly at our level of understanding

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

How has Carl Melvin helped you since your last review?

Carl has helped me keep on track for my long term goals

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

How has Carl Melvin helped you since your last review?

Continued service and advice of the highest quality is always available.

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

Pension Drawdown

How has Carl Melvin helped you?

Carl has provided me with a financial plan that allows me to live a fantastic semi-retired lifestyle.

Have you seen the outcome you were hoping for?

The outcome has been well above my expectations.

What could they have done better?

Nothing that I can think of.

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

Planning for the future

How has Carl Melvin helped you?

Carl has been most informative and arranged consolidation of pensions and how best to invest them

Have you seen the outcome you were hoping for?

As with everyone that has invested in stocks and shares at present there has been a significant drop in value . Prior to this drop there was growth which I hope will start again soon

What could they have done better?

Nothing

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

We are a young couple looking to begin planning our financial future a bit more seriously, so we sought out Carl's advice on this.

How has Carl Melvin helped you?

Carl provided guidance on the best next steps for our aspirations and gave us perspective on why these decisions might be good for us. Alongside this Carl helped us by giving us an overview of the benefits of types of savings and investments and advice on how to use this information for ourselves.

Have you seen the outcome you were hoping for?

Yes, we now have an overview of our affairs with the perspective and tools to move forward with planning for our financial future.

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

How has Carl Melvin helped you since your last review?

yes with advice

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

How has Carl Melvin helped you since your last review?

Once again Carl has continued to advise and support especially in the drawdown of pension. Despite constraints of Covid he has maintained contact by alternative means which has been very convenient for myself and works well. Would highly recommend Carl and the team.

Please provide a brief comment about your experience with Carl

Carl contacted me after I made an enquiry through the unbiased website seeking some financial advice on how best to manage my assets and investments. Carl was very helpful and explained the options available to me and my partner. The initial review was free of charge and Carl was indeed unbiased and the friendly chat we had will steer us in the right direction and if indeed I need further advice I will not hesitate to contact Carl.

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

How has Carl Melvin helped you since your last review?

Good updates in a somewhat chaotic market which I feel has given me a better understanding of our financial position

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

How has Carl Melvin helped you since your last review?

Had another review with Carl. He advised my wife and myself on our future financial plans. We were happy with all the advice given.

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

Looking to retire early

How has Carl Melvin helped you?

Able to future plan and hopefully retire early without too much financial worry

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very pleased with our agreements and feel better for our meeting

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

Pension & general financial life planning

How has Carl Melvin helped you?

Given a better understanding of what to do & where I should be financially in the medium to long term

Have you seen the outcome you were hoping for?

Yes, after a lot of crucial fact-finding which was an eye opener

What could they have done better?

Nothing... Extremely helpful & professional throughout

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

How has Carl Melvin helped you since your last review?

Lots of ways

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

I was trying to set up working as freelancer/self-employed person and advice on mortgage for a house that I was interested in.

How has Carl Melvin helped you?

Carl clarified for me the requirements that are necessary for me to acquire a mortgage taking into consideration the changes with the laws and circumstances that has been happening in the past few years, as well as my personal circumstances. He has also cleared up some confusion that I had following my own search for information on working as a self-employed freelancer.

Have you seen the outcome you were hoping for?

Yes. I have managed to discuss in further details with my husband and managed to re-evaluate our circumstances and taken measures to improve our situation.

What could they have done better?

Nothing at this moment.

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

How has Carl Melvin helped you since your last review?

Sound advice in turbulent times.

Please provide a brief comment about your experience with Carl

Very knowledgeable.

Please provide a brief comment about your experience with Carl

I had a very friendly and informative chat about creating a bespoke lifestyle plan.

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

How has Carl Melvin helped you since your last review?

I have not required any help from Mr Melvin since then. However, I am reassured I have always has a quick response from Mr Melvin in any previous times that I have made an enquiry.

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

How has Carl Melvin helped you since your last review?

Advised on proposed changes to our Wills.

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

How has Carl Melvin helped you since your last review?

Steady growth in my investments with some re-positioning of portfolios. Always gives sound advice,

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

How has Carl Melvin helped you since your last review?

continued with planning retirement

Please provide a brief comment about your experience with Carl

I enjoyed a very friendly and informative chat that was well tailored to my specific circumstances.

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

Complex issue on AVC pension

How has Carl Melvin helped you?

Carl engaged directly with me on a complex pension related matter. His expert assessment and feedback clearly charted a sensible course of action best matched to my financial needs and requirements.

Have you seen the outcome you were hoping for?

Thus far "AFFLUENT FINANCIAL PLANNING" have demonstrated excellent performance on the following fronts. (A), High level knowledge on complex Pension arrangements and subsequent financial choices. (B) Client responsiveness, (C)Understanding of client requirements and probable situation management outcomes. Commendable attributes to find in local financial specialists serving the needs of clients requiring guided advise on an individual basis.

What could they have done better?

no issues.

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

How has Carl Melvin helped you since your last review?

Carl and his team continue to provide prompt attention to any queries raised and have been proactive in requesting information to keep them up to date with our preferences and circumstances.