Paul Clifford

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

Pension advice

How has Paul Clifford helped you?

Secured m pensions financial security

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of

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

I needed an advisor to transfer a company pension into a SIPP

How has Paul Clifford helped you?

Paul facilitated the process and found an appropriate pension vehicle to make the transfer

Have you seen the outcome you were hoping for?

Yes, very much so.

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

I felt it would be in my best interest to seek advice as I was due to retire .

How has Paul Clifford helped you?

He has the knowledge and experience !

Have you seen the outcome you were hoping for?

Early days !

What could they have done better?

They have all been wonderful can't think of anything.

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

I was looking for advice as to how to deal with two money purchase pension plans on my impending retirement.

How has Paul Clifford helped you?

He has advised me as to the best home for the pension plans until I need to draw them down.

Have you seen the outcome you were hoping for?

Yes - there was a market wobble, but that is now past and I am seeing the income and growth I expected.

What could they have done better?

Nothing.

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

pension transfer

How has Paul Clifford helped you?

advised me where to put pension money very good & clear with his advice

Have you seen the outcome you were hoping for?

yes doing well

What could they have done better?

not a lot really paul & staff very good

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

I had several pension pots that needed bringing together and invested

How has Paul Clifford helped you?

Paul spent time explaining the options that were available to me and grouped my pension’s together

Have you seen the outcome you were hoping for?

Very much so, giving me confidence of a comfortable retirement

What could they have done better?

I can honestly say i am more than happy with all procedures

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

For financial planning regarding retirement.

How has Paul Clifford helped you?

Transferring pensions into one pot enabling me to have tax efficient funds

Have you seen the outcome you were hoping for?

Yes the funds invested in have had growth but recently with the advice from Paul have now switched funds for potential better growth

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

I initially contacted Clifford Osborne to help me to obtain a clear and precise assessment of my numerous pension pots.

How has Paul Clifford helped you?

Over the years, Paul and his team have managed my investments with professionalism and care ensuring that my needs are always at the forefront of any decisions. When I chose to withdraw some of my funds, he was extremely helpful in pointing out the consequences of this and made sure that I understood the long term effects. The withdrawal of funds was very efficient and hassle free. My reviews are always booked for me on time by his amazing team and I am astonished and pleased at how much time and care he has for me.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing, very pleased with the service I receive.

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

Release of equity from the sale of a property

How has Paul Clifford helped you?

Paul has advised on investing monies from the sale of a property, which was the reason for contacting him the first instance, but he has also provided advice on other existing financial products and identified providers with a better performance.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The advice and customer service level is excellent and I can't think of anything that could be done better.

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

The need to merge two pension funds and identify the best way to maximise retirement income.

How has Paul Clifford helped you?

Successful completion of the merger of two pension funds, identification of appropriate retirement income stream, and ongoing regular financial reviews and planning.

Have you seen the outcome you were hoping for?

Yes - without doubt. I have every confidence in Paul’s advice and guidance.

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

Too many pension schemes - looked to simplify

How has Paul Clifford helped you?

Confident in his ability and approach

Have you seen the outcome you were hoping for?

1 year in, so far, so good

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

I wanted my pension to work harder for me.

How has Paul Clifford helped you?

Advised on pension options

Have you seen the outcome you were hoping for?

Yes, I was pleasantly surprised with the increase in less than 12 months

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

Retirement looming

How has Paul Clifford helped you?

by discussing the various options open to us and making sensible suggestions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing - happy with Paul's input

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

To help invest a capital sum to provide a pension income.

How has Paul Clifford helped you?

He provided all the information and expertise I needed to invest my capital

Have you seen the outcome you were hoping for?

Yes very much so.

What could they have done better?

None that I can think of.

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

Small cash pension i wanted to invest and draw fown

How has Paul Clifford helped you?

Invested the lump sum for me which enabled me to quit work when i wanted to

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I dont yhink anythink could have been

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

Confused by all options for pension and needed advice

How has Paul Clifford helped you?

Made everything easy to understand

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything has been very satisfactory

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

I wanted a trusted advisor local to my home

How has Paul Clifford helped you?

Paul has always offered considered snd well thought out advise on my pension and financial status

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

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

Pension

How has Paul Clifford helped you?

Allowing me to retire.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

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

Maximising my savings

How has Paul Clifford helped you?

Good advice,great ,safe investments

Have you seen the outcome you were hoping for?

Yes

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

I retired

How has Paul Clifford helped you?

He has advised me how best to invest my pension pot.

Have you seen the outcome you were hoping for?

Yes - my investment is growing

What could they have done better?

Nothing

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

my wife and I find financial planning impossible to navigate

How has Paul Clifford helped you?

with all my pension planning and advice for the future

Have you seen the outcome you were hoping for?

yes

What could they have done better?

don't know

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

The pension scheme I did have in place was not performing very well.

How has Paul Clifford helped you?

Paul transferred my pension(s) to one that is giving much better results.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing springs to mind, a good all round service has been provided.

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

We were advised

How has Paul Clifford helped you?

Paul knows his subject and knows what product is right for you

Have you seen the outcome you were hoping for?

Indeed

What could they have done better?

Nothing

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

I needed advice on transferring to a Pension Scheme

How has Paul Clifford helped you?

He has been extremely helpful, transparent and knowledgeable in his advice, He is thoughtful and considerate taking into account my questions and providing me with clear answers.

Have you seen the outcome you were hoping for?

Yes I have very reassuring.

What could they have done better?

Can't think of anything.

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

I needed to consolidate my pensions into one.

How has Paul Clifford helped you?

He gave me excellent advice on where to put my pensions.

Have you seen the outcome you were hoping for?

Yes it’s doing great.

What could they have done better?

Nothing.

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

Needing advice about Pensions and how best to invest and plan for the future.

How has Paul Clifford helped you?

Paul has advised and explained everything we needed to know, in such an excellent and professional manner that we know our financial planning is in great hands.

Have you seen the outcome you were hoping for?

Ongoing but more than happy so far. Excellent customer service

What could they have done better?

Absolutely nothing. First class service

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

Time to get our finances in order for our son

How has Paul Clifford helped you?

By giving us an excellent overview of our situation

Have you seen the outcome you were hoping for?

Well on the way now.

What could they have done better?

I am not aware of anything that could have been done better.

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

inheritance money

How has Paul Clifford helped you?

3years

Have you seen the outcome you were hoping for?

right from the start I was told in the long term my money will grow and it is proving right

What could they have done better?

nil

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

Pensions are a minefield you require an expert in this field

How has Paul Clifford helped you?

Paul and his team have made it so easy for me to understand the ins and outs of pensions, investments .

Have you seen the outcome you were hoping for?

Quick answer to this is yes

What could they have done better?

I don’t think Paul and his team could’ve done better. They have bent over backwards on their information and help.

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

I had a private pension that wasn't performing very well and I needed advice about where to move my investment.

How has Paul Clifford helped you?

Paul found a better product with a different company and already it is performing much better.

Have you seen the outcome you were hoping for?

Yes, I have already seen a much improved return over a short period of time.

What could they have done better?

Nothing.

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

Pension advice

How has Paul Clifford helped you?

Immensely

Have you seen the outcome you were hoping for?

Definitely - my future feels more organised and secure

What could they have done better?

Very happy with all aspects.

Please provide a brief comment about your experience with Paul

Paul has been truly excellent, extremely professional and his services are exemplary. He is very approachable and informative. I would have no hesitation whatsoever recommending his services to anyone.

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

Investment and retirement.

How has Paul Clifford helped you?

Excellent monitoring and use of investments and income, as well as planning for the financial future. Excellent advice on insurance and end of life.

Have you seen the outcome you were hoping for?

Yes, actions have facilitated our standard and modes of living. My wife and I are confident in our financial planning and current position.

What could they have done better?

Can't think of anything.

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

needed advice on planning for retirement and general financial advice

How has Paul Clifford helped you?

down to earth practical advice on consolidating insurance policies and pensions

Have you seen the outcome you were hoping for?

yes

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

Taking on my Father's homestead and having to sell our own home. Also amalgamation of pensions.

How has Paul Clifford helped you?

Done the necessary work, kept us up to date and reassured us.

Have you seen the outcome you were hoping for?

Yes he has kept us informed.

What could they have done better?

I think everything is going well.

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

Disappointed with performance of previous adviser and needed someone more local.

How has Paul Clifford helped you?

Transfer of existing pension fund and general advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really given the limited nature of the original requirement. Still early days ( 9 months since original contact) but signs are good going forward.

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

I needed financial and pension advice when my husband passed away

How has Paul Clifford helped you?

Paul has been incredibly supportive . He explains things simply . I trust him implicitly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

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

To combine multiple pensions and to understand where I was placed financially.

How has Paul Clifford helped you?

In innumerable ways. He has helped me pull the pensions together, we have worked on a plan so that I may retire early and has helped guide me through a number of changes which have helped me over the long term,

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing.

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

In 2015 I had just started to receive my state pension and needed advice on what to do with my private pension pots which were spread across three different companies.

How has Paul Clifford helped you?

Paul advised me on consolidating the private pension pots and recommended moving them to another company.

Have you seen the outcome you were hoping for?

Yes - I have a drawdown fund which I can access when I need extra income. I have twice yearly meetings with Paul to discuss the performance of the fund and to assess whether it is still the option that best meets my needs.

What could they have done better?

Nothing

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

Low interest rates on the high street

How has Paul Clifford helped you?

He has advised me on financial matters and invested my money soundly

Have you seen the outcome you were hoping for?

No, but that is due to global issues not Paul

What could they have done better?

Nothing

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

Retired and needed to plan my finances

How has Paul Clifford helped you?

He advised me on the best place to invest

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?

I needed pension advice

How has Paul Clifford helped you?

Paul Clifford has given me excellent ongoing advice. The information and advice has always been delivered in a friendly and relaxed manner

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I have been extremely happy with the service received

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

The need to review my pension position and take appropriate corrective action to ensure that my future financial needs are met.

How has Paul Clifford helped you?

Paul reviewed my existing pension position, made recommendations regarding appropriate changes, undertook the transfer of my various pensions to the new pension provider and invested the sums transferred on my behalf in order to match the risk profile I decided was appropriate for me. After that, he is helping me to decide on an a suitable investment structure for some spare cash that I have, and will implement the investment plan we decide upon. He is also starting income draw down from my pension in accordance with the financial plan we have discussed and agreed.

Have you seen the outcome you were hoping for?

Yes, things have gone exactly as I had hoped.

What could they have done better?

In real world terms, I think things were handled pretty much as well as they could have been.

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

Pension changes

How has Paul Clifford helped you?

Looking after pension

Have you seen the outcome you were hoping for?

So far so good on paper

What could they have done better?

Don’t know

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

Money in the bank not growing, so talked to Paul Clifford for advice

How has Paul Clifford helped you?

Paul was able to assess our security risk while managing our fund in a way we felt safe as we never had an experience in fund being managed by someone else

Have you seen the outcome you were hoping for?

Yes, small growth in capital in regard of our risk level we discussed with Paul Clifford

What could they have done better?

Not sure really as everything seems to have gone the right way

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

Imminent retirement

How has Paul Clifford helped you?

In every way possible

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

Pension Transfer

How has Paul Clifford helped you?

Helped me find the right funds for me to invest my pension.

Have you seen the outcome you were hoping for?

It is early days, but so far, yes.

What could they have done better?

Nothing

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

Setting up a work pension

How has Paul Clifford helped you?

I've been a client for many years. We meet annually to review my portfolio and over the years he has given me valuable advice

Have you seen the outcome you were hoping for?

Yes definitely. One example is advice with my mortgage which I set for 5 years on Paul's advice securing an interest rate of 1.79% before rates increased

What could they have done better?

Nothing

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

My wife and I having Pensions pots accrued over a lifetime of working and not performing in quite a lot of cases, so needed to take advice as to best way of keeping a track of these investments and moving into single pension plans that performed and were also felixible

How has Paul Clifford helped you?

Initially gave us advice as to how we could move these pensions into single schemes and then actually carried out all the transfers for us. Since moving schemes we have been kept up to date as to how they are performing and also giving us further advice for Will planning and financial planning for our retirement

Have you seen the outcome you were hoping for?

We now have plans we can see at a glance how they are performing. Paul has also monitored on our behalf and recommended moving portions of funds into different schemes within the same funds as world events affect funds. Certainly the schemes we are now in are out performing our old investments

What could they have done better?

Not sure they could have

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

we wanted an advisor we could meet face to face

How has Paul Clifford helped you?

helped us with pension and investment advice and inheritance tax advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

probably not

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

Managing pension and savings

How has Paul Clifford helped you?

Provided expert advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

none

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

Company pension pots that had been fixed for a number of years

How has Paul Clifford helped you?

Transferred one pot to a better performing scheme and another left as is due to a higher tax free element

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?

Needed to get my old pensions out off work place. And put in to one place.

How has Paul Clifford helped you?

By consolidating my pensions in one place.

Have you seen the outcome you were hoping for?

It’s heading in the right direction so far.

What could they have done better?

Nothing

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

I wanted to transfer my pension out of a company pension fund, into a private drawdown fund

How has Paul Clifford helped you?

Absolutely, Pauls knowledge and financial awareness, is second to none, and has helped us enormously

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

Nothing , they are all a great professional , understanding, team

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

Inheritance money

How has Paul Clifford helped you?

Knowledge of options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Unaware of anything

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

My mother required financial advice and we decided to follow suit.

How has Paul Clifford helped you?

With advice in a friendly & trustworthy manner.

Have you seen the outcome you were hoping for?

Yes we have seen increases in our savings.

What could they have done better?

Nothing else.

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

Sale of property , and investment advice .

How has Paul Clifford helped you?

Over the years Paul has helped us with his financial advice , and has always done his best to look after us .

Have you seen the outcome you were hoping for?

Yes .

What could they have done better?

Not sure they could . We have always trusted Paul's guidance .

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

For investment purposes

How has Paul Clifford helped you?

Paul has helped to invest and given pension advice

Have you seen the outcome you were hoping for?

Things are going in the right direction.

What could they have done better?

Very happy with the service

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

I was seeking advice on consolidating my various work pensions

How has Paul Clifford helped you?

Paul helped me understand my options and recommended a pension plan that has enabled me to approach retirement with more financial confidence than I had anticipated.

Have you seen the outcome you were hoping for?

My pension pot is currently growing steadily and I feel financially secure.

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

Lot of small pensions needed to be investigated and pulled together

How has Paul Clifford helped you?

Absolutely

Have you seen the outcome you were hoping for?

Completely

What could they have done better?

Nothing, Paul has explained process in a way I understand

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

Paul has been our adviser for many years

How has Paul Clifford helped you?

Helped with pensions, savings, inheritance tax planning and investments

Have you seen the outcome you were hoping for?

Yes, very pleased with outcomes

What could they have done better?

Nothing

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

Seeking professional advice

How has Paul Clifford helped you?

Investments

Have you seen the outcome you were hoping for?

Not yet but have been assured things are progressing towards the goal.

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

Help with transfer of pension.

How has Paul Clifford helped you?

With my pension mostly, but has also advised regarding investments.

Have you seen the outcome you were hoping for?

Yes I think so.

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

A move to a new part of the country and need for management of my pensions

How has Paul Clifford helped you?

Restructured my pensions into appropriate pension providers and selected investments within this providers to match my risk profile. General advice on retirement has also been most helpful

Have you seen the outcome you were hoping for?

Yes,

What could they have done better?

As a small firm they have served my needs and treated me as a valued customer. Their processes and professionalism are better than any other adviser I have used before. Can't think what they could do better.

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

I needed to transfer from my original pension company

How has Paul Clifford helped you?

Made it easy and pain free completing the transfer and explained everything clearly

Have you seen the outcome you were hoping for?

I haven't lost so it seems outcome is good given that there was a pandemic and a financial crisis

What could they have done better?

Nothing

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

The complexity of managing multiple financial objectives and the desire to optimize my financial future made me seek professional advice to ensure I was making informed decisions and maximizing my financial potential.

How has Paul Clifford helped you?

Paul Clifford, has been instrumental in transforming my financial landscape. His expertise and personalized approach have given me confidence and peace of mind, knowing my financial future is secure and well-managed.

Have you seen the outcome you were hoping for?

Paul has successfully delivered the outcomes I was hoping for. His strategic guidance has significantly grown my investments. His expertise has provided me with financial security and confidence in my future.

What could they have done better?

I am more than happy with what Paul has delivered so far.

Please provide a brief comment about your experience with Paul

A friendly, relaxed and professional atmosphere with someone who definitely knows his stuff!

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

Needed to have a more proactive approach

How has Paul Clifford helped you?

He's been proactive and imformative

Have you seen the outcome you were hoping for?

Yes

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

I had a number of different pension funds that I felt were underperforming and I wanted advice as to appropriate next steps and options.

How has Paul Clifford helped you?

Paul has made the process of amalgamating my different pension pots very easy and ultimately very fruitful as his investment advice has more than paid dividends.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

Nothing

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

I had changed employment and i required an advisor closer to home who could provide specialist advice

How has Paul Clifford helped you?

extensively since Paul has been looking after my Pension

Have you seen the outcome you were hoping for?

Generally yes given the world economic climate

What could they have done better?

N/A

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

to invest inheritance money

How has Paul Clifford helped you?

advice on investing a lump sum of money low risk

Have you seen the outcome you were hoping for?

yes up to date

What could they have done better?

he couldnt have done any better

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

To consider investment options for retirement pension

How has Paul Clifford helped you?

He provided investment advice related to my circumstances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything