Patrick McClelland

Please provide a brief comment about your experience with Patrick

Helpful and quick

Please provide a brief comment about your experience with Patrick

Very knowledgeable, very pleasant, very helpful... what more could I ask for?

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

Inheritance

How has Patrick McClelland helped you?

Patrick helped with my inherited investments that were complicated and a bit all over the place. He sat with us for a very long time and explained all in simplified terms for us to understand with no pressure to use his services. We felt informed and happy to trust his expertise.

Have you seen the outcome you were hoping for?

Yes certainly we are very satisfied.

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

A mixture of personal circumstances. Both me and my parents self-employed, with no previous borrowing/ mortgage history.

How has Patrick McClelland helped you?

Patrick and Lucy, as well as the rest of the team, were highly committed and always available for any additional clarifications. It felt like an easy process although we appreciate that it wouldn't be the same if not for Patrick's extensive experience. Each step was managed with care and a professional approach. We also appreciated the speed that saved us both time and money. We'll definitely recommend Patrick to anyone looking for a quality adviser in the UK.

Have you seen the outcome you were hoping for?

Yes. It took less than expected and with a better interest rate than we got when trying to get a mortgage without an adviser.

What could they have done better?

We think it went beyond our expectations so nothing else to wish for.

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

I had not reviewed my pensions and savings for many years. I was aware that I was probably losing money because I had not done so.

How has Patrick McClelland helped you?

He reviewed my pensions and savings, and showed me how to gain greater returns. He also advised about whether I should pool all my different pensions or keep them separate. He recommended an online 'wrap', including pension and ISA funds, which has (excepting the blip when the pandemic hit) performed at a far better rate than my pensions and investments would have done if I'd continued without his help. He was also happy to abide by my request to invest as far as possible in ethical funds; he warned me that I might not make as much money by doing so, but he did not pressure me to change my mind. He was also kind enough to take the time to advise me on something to do with my will, even though it didn't really fall within his remit, which was the behaviour of a friend rather than a paid professional adviser.

Have you seen the outcome you were hoping for?

Yes. Every time I check my 'wrap' online, I'm pleasantly surprised at how well it's doing. I was particularly pleased to see that some money has been invested in Tesla and also in AstraZeneca because of the Covid vaccine it is producing. Ker-ching!

What could they have done better?

Patrick has been advising me for just over a year. At present, I can't pinpoint anything that I would ask him to change.

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

Retirement

How has Patrick McClelland helped you?

Provided pension advice. Consolidated several pensions and managed investment.

Have you seen the outcome you were hoping for?

Yes.

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

Patrick has been my advisor for more than 20 years, I first contacted him for mortgage and critical illness advice however this has included many other elements over the years.

How has Patrick McClelland helped you?

Patrick has helped me through numerous financial decisions as life circumstances have changed over over the years, both immediate, short term and long term planning

Have you seen the outcome you were hoping for?

Patrick's advice and recommendations have always been sound and I would highly recommend him without hesitation.

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

I wanted a subject matter expert in long term financial planning.

How has Patrick McClelland helped you?

Gave valuable assistance and understanding within my budget allowance.

Have you seen the outcome you were hoping for?

Very pleased to date with projected figures.

Please provide a brief comment about your experience with Patrick

Straightforward and knowledgeable

Please provide a brief comment about your experience with Patrick

Being a novice to pensions, Patrick took the time to explain everything to me in simple terms. He is very thorough and looks to gain a good understanding of the customer's needs so that he can act in their best interest. I really felt I could trust Patrick and I have no hesitation in recommending him.

Please provide a brief comment about your experience with Patrick

Very helpful

Please provide a brief comment about your experience with Patrick

Patrick was very helpful and informative. Wealth of knowlede and experence. Very professional and easy to talk to and was able to communicate well. Highly recommend Patrick.

Please provide a brief comment about your experience with Patrick

The initial meeting was very informative and Patrick clearly explained the process and options.

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

A friend recommended Patrick to me over 30 years ago. At the time I was looking for a way to save for a pension in addition to the state provision.

How has Patrick McClelland helped you?

For more than 30 years now I'e relied on Patrick to keep an eye on my investment portfolio. I am aware of the options for investing but Patrick is immersed in the subject every working day, so his knowledge is extremely good. If he spots an interesting or important trend that could have an impact on my investments he'll always be in touch to discuss my options.

Have you seen the outcome you were hoping for?

I was hoping to retire in my mid 50's and I've done that. Without Patrick I'm not sure that would have happened.

What could they have done better?

I don't think there is anything he could have done better. I know of several times when his advice to me cost him income but was the right thing for me.

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

Advice with regard to interest rates for savings.

How has Patrick McClelland helped you?

Patrick provided appropriate suggestions in a professional and timely manner.

Have you seen the outcome you were hoping for?

Yes, we were able to proceed with our financial arrangement

What could they have done better?

We were fully satisfied with the information given.

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

We were in trouble over a pension plan which was badly advised by a bank.

How has Patrick McClelland helped you?

He got us out of the plan at no cost to us and even managed a good will payment from that bank.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

No one could have dealt with this issue better than Patrick

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

First time home buyer

How has Patrick McClelland helped you?

Patrick supported with mortgage advice, helping me to understand the options available and secure a good deal

Have you seen the outcome you were hoping for?

Yes - Patrick and the team worked very quickly

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

Long term investment planning/ pensions

How has Patrick McClelland helped you?

Assessment of my attitude to risk. Recommending and managing the product funds, and recommending changes where appropriate

Have you seen the outcome you were hoping for?

Yes, growth has been positive, though some investments go up and down over the period

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

As a full time working woman, I felt that I neither had the time or the knowledge, to try and make sure that my hard earned income, was working as effectively for me as possible. I wanted someone to advise me, without feeling like I was being 'sold at' and someone that would get me and that I could trust.

How has Patrick McClelland helped you?

Patrick spent time finding out where I was financially and my attitude to finances and investment , and he listened to how I felt (and why!) which enabled him to understand where I wanted to be, in a realistic and achievable way.

Have you seen the outcome you were hoping for?

I am absolutely thrilled that Patrick is my financial adviser and I thoroughly recommend him. Everything he has recommended and advised on has been intelligent, sensible and has worked well for me so far. I am not a rich person, but like many people who have worked all their lives and have a pension and property and various investments here and there - I do want to protect and grow what I have got, and I want to invest for the future in a sensible way too.

What could they have done better?

I think I should have spent more time with Patrick! He has always looked after things and has checked and updated everything for me and been a great adviser, but he is not a hard or pushy salesperson and he respects his clients (which is good!) but if I had made myself ask him for more input and ideas over these years, I am pretty sure I would be in an even better situation than I am in!

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

I had some funds to invest and needed advice on investments

How has Patrick McClelland helped you?

Patrick explained my options and help me decide on the range of investments that would suit my requirements.

Have you seen the outcome you were hoping for?

Yes. I have been very pleased with the return so far on my investments.

What could they have done better?

Patrick is very thorough and offers an excellent service.

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

Recommended by a friend over 30 years ago and have been pleased ever since

How has Patrick McClelland helped you?

My savings and investments. My pension. Long term planning for my future

Have you seen the outcome you were hoping for?

Yes most certainly I have no criticism. He has always thought carefully about my needs and requirements, taking into account my ill health and future needs

What could they have done better?

I have known him for over 30 years and grown to trust his judgment, advice and professionalism. I have no criticisms. He is a thoughtful person, with a respect for his clients. He has spent time getting to know me, my particular needs and requirements.

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

Divorce.

How has Patrick McClelland helped you?

With advice and investment on my Financial Affairs, Inheritance Planning, Family Trusts, Tax, Transfers, Pensions and Long Term Care.

Have you seen the outcome you were hoping for?

Most certainly, Yes.

What could they have done better?

Nothing. He is a very experienced, efficient, top class Financial Adviser, who was recommended to me twenty two years ago by my Solicitor.

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

Patrick was recommended to me, and as I was due to retire in 2017 I needed advice regarding future financial plans, specifically my work, state and private pensions

How has Patrick McClelland helped you?

Patrick advised me a few years ago what do regarding taking/not taking my state pension, and how to proceed with my work pension

Have you seen the outcome you were hoping for?

Most definitely, without Patrick’s advice I would have been worse off financially

What could they have done better?

No there is nothing more Patrick could have done, whenever we have met he has explained everything very clearly, sent up to date details of my investments and pensions

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

Wanted to have a personal pension

How has Patrick McClelland helped you?

Advised on pension, mortgages and insurance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I'm very happy and confident in his advice

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

Investment advice and pension advice.

How has Patrick McClelland helped you?

Gave advice and set up savings plan and a pension plan. Also advised on income protection, mortgage and life insurance.

Have you seen the outcome you were hoping for?

Yes, I am very pleased with plans and ongoing advice that Patrick gives during reviews.

What could they have done better?

I am very pleased with Patrick's independant advice.

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

I found myself with surplus monthly income but no clear plan for my long term future. To assist with this, I sought out a financial adviser and Patrick was recommended by a friend.

How has Patrick McClelland helped you?

Patrick helped by advising on how to organise disparate funds into a transparent scheme with a clear future plan. I now have a single healthy portfolio that is diverse and growing. Furthermore, I have clear visibility into its performance.

Have you seen the outcome you were hoping for?

Yes - 100%. Patrick is extremely knowledgeable and up-to-date on available funds. This, coupled with acute business instinct, allows Patrick to make clear recommendations for my expectations and needs. Although any decision ultimately is my own to make, I have always followed Patrick's advice and never been disappointed.

What could they have done better?

N/a

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

I have known Patrick for 30 years (when he advised me on some savings plans). It was natural to look at Patrick's services when he became a finacial advisor

How has Patrick McClelland helped you?

Patrick has helped me build a large and varied portfolio of investments over the years. He also has advised on pension alternatives and other opportunities to invest as and when they arose.

Have you seen the outcome you were hoping for?

We always want more but I have been delighted to see the growth in my portfolio.

What could they have done better?

As far as I am concerned he could not have done any better.

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

He was recommended by a friend

How has Patrick McClelland helped you?

He looked after my pensions (and my wife's) for about 20 years - the last 4 in retirement

Have you seen the outcome you were hoping for?

i have received very good advice

What could they have done better?

I personally feel that the advice I received was generally very good

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

I was going through a divorce

How has Patrick McClelland helped you?

Patrick consolidated my pensions from various employment and then is now managing their investment

Have you seen the outcome you were hoping for?

Yes I have. I understand more about what my pension forecast is and how I can help that.

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

Regular meetings with my financial adviser where we look at all financial aspects

How has Patrick McClelland helped you?

Clear and helpful advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I feel that could have been done better - always had good advice

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

After a bad experience with a financial adviser in the Nineties, I needed to find someone who could offer straightforward advice about the savings I had and the pension I was building up

How has Patrick McClelland helped you?

Patrick's annual recommendations involved changing my investment pattern, with regard to being more open to funds not generally offered by most investment companies. My portfolio became more diversified, I consolidated two work pensions into my own private pension and the ISAs for me and my wife were tweaked to target the best growth.

Have you seen the outcome you were hoping for?

Yes – though of course Trump and Brexit will do their worst to shrink the pot. The level of growth I've seen has far outweighed any tracker accounts and has been a decisive factor in me taking a year off after redundancy, as well as returning to work in a position of far less stress (and money). He's not happy aboput that last bit, of course.

What could they have done better?

He could take pity on a lowly paid worker and provide this service for free! Well, the fees would be a bone of contention had the returns not been so much better than had I been tinkering myself (or merely employing as tracker). His choice of football club leaves something to be desired, but in terms of financial advice he is something of a Special One...

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

Retirement planning.

How has Patrick McClelland helped you?

Reviewed occupational and private pension plans and made appropriate recommendations.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

I've no specific recommendations for improved service.

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

Some 20 years ago and working in the financial industry it was clear that I needed to take a more focused approach to Financial planning. I was curious to find out how professional advice could provide a strategy to achieve future financial goals.

How has Patrick McClelland helped you?

Patrick did just that. His office was very close by and he was able to accommodate my busy working life by offering Saturday appointments. He is very personable, a good listener, encouraging and explains and discusses his recommendations. Over the years we have worked in a collaborative way to plan and achieve my financial aims.

Have you seen the outcome you were hoping for?

Having worked with Patrick over the years I have been able to realise my financial aims and I am very confident that together we will continue to do so.

What could they have done better?

Patrick and his very professional assistant Lucy provide a pro-active, friendly, personal and through service. I could not think of anything better.

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

Initially looking at amalgamating private pension and occupational pension and managing it as a single pension.

How has Patrick McClelland helped you?

Advice and planning and execution of transactions and now fully managing my pension

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. He was thorough and gave plenty of time for me to consider the options before deciding. Nothing was too much trouble and nothing rushed.

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

I wanted the support of a person who I could trust and was reliable. Also had the technical skills to make sure my portfolio increased in value.

How has Patrick McClelland helped you?

Over the last 5 years he has been delivering on the above.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I am hard to please. I always want an even better delivery and lower charges! Seriously Patrick offers good value for money.

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

We were struggling to organise and manage our finances effectively

How has Patrick McClelland helped you?

He reorganised our debts (now we have none) put income protection and insurance in place and has maxmised our retirement income

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything

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

When our first child was born (21 years ago), we decided that we needed to be more pro-active about organising our finances.

How has Patrick McClelland helped you?

Over the years, Patrick has advised us on maximising the return on our savings, re-mortgaging, claiming compensation for a mis-sold endowment (received from someone else years previously), life insurance and pension planning. He is very thorough and conscientious and has always taken the time to explain things in detail so we are confident that we are making informed decisions.

Have you seen the outcome you were hoping for?

Yes. Patrick has advised us through many life changes and through a period that has seen major upheavals in the financial sector, and I really believe he has made a significant contribution to our financial security. I would recommend him to anyone seeking financial advice.

What could they have done better?

I can't think of anything that could be improved.

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

I needed advice on my pensions as I had small ones with several companies. I also wanted to plan my savings for supporting my children through University and ensure I had the right protecion in place.

How has Patrick McClelland helped you?

Patrick pulled my pensions together and advised me regarding all areas. The funds have performed really well under his care and expertise. It is so good to have a relationship with someone you trust.

Have you seen the outcome you were hoping for?

Yes and more!

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

Financial planning is part of growing up and Patrick was recommended to us approximately 15 years ago and he's since become the financial adviser for all our friends.

How has Patrick McClelland helped you?

Find the best deals for mortgages and invest our money wisely.

Have you seen the outcome you were hoping for?

Patrick has always generated returns far greater than our expectations - thus why we've stayed with him for so long and recommended him to many.

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

We wanted to get open advice regarding a range of financial issues in order to make informed decisions to safeguard our financial future.

How has Patrick McClelland helped you?

Patrick has given first rate advice and always has his finger on the pulse regarding the best deals available and sound investments.

Have you seen the outcome you were hoping for?

Yes, in all aspects of our business with Patrick. His advice has proved invaluable.

What could they have done better?

I cannot think how Patrick could have done more.

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

I had funds sitting in pension plans that were not being actively managed and with very little personal knowledge of the money markets I wanted to find someone to take it over.

How has Patrick McClelland helped you?

Patrick has provided me with clear advice and is now managing my pension plans. I've also used Patrick's services in completing a mortgage.

Have you seen the outcome you were hoping for?

Yes, my money is no longer sitting in funds that may have been unsuitable and is now regularly looked at.

What could they have done better?

Completely satisfied with the service provided.

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

Over 25 years ago, I was mislead over a pension deal. I took pot luck in contacting Patrick.

How has Patrick McClelland helped you?

Patrick spend some considerable time in releasing me from that deal with a favourable financial outcome.

Have you seen the outcome you were hoping for?

Ideal outcome

What could they have done better?

The outcome was perfect.