Spencer Clifton

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

I had a couple of pensions which I was told it may be better to merge them , I was recommended to Spencer and he was clear and very helpful so would highly recommend.

How has Spencer Clifton helped you?

Pensions and a new mortgage , Would definitely recommend

Have you seen the outcome you were hoping for?

Yes cannot fault his expertise

What could they have done better?

N/A

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

I am a first time buyer with no experience of organizing a mortgage.

How has Spencer Clifton helped you?

Spencer showed me that some of the properties I was looking at were not at all suitable for me as a first time buyer.

Have you seen the outcome you were hoping for?

Yes I have got a mortgage.

What could they have done better?

Nothing

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

Initially I was looking for information regarding my mortgage situation selling my house then investing the money from that sale

How has Spencer Clifton helped you?

He gave me a clear run down of my possible options when selling my house and then advised how and were to re invest the money once the sale had gone through

Have you seen the outcome you were hoping for?

Yes, everything I could have wanted I have had from the experience with Spencer!

What could they have done better?

Nothing, everything was clear and simplified and he answered every question I asked of him.

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

Spencer has been the financial advisor for my family for many years. He advised [and continues to do so] my parents for many years.

How has Spencer Clifton helped you?

Mortgage advice, life cover insurance, sorting out the many different company pensions i have. He is always contactable and offers sound advice.

Have you seen the outcome you were hoping for?

absolutely yes

What could they have done better?

nothing really.

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

Numerous old pensions I wanted go put into one scheme

How has Spencer Clifton helped you?

Spencer has done all that in quick efficient time with not much work needed from me

Have you seen the outcome you were hoping for?

Yes very pleased with where my pension is now

What could they have done better?

Happy with all work done in a very short time too

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

Spencer has been family trusted advisor for many years. I needed to re-evaluate my finances and based on previous experience had no hesitation to work with Spencer.

How has Spencer Clifton helped you?

Helped me in terms of tax savings towards pension. In addition helped with planning advice towards retirement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No recommendations - highly recommend Spencer. Very professional, thorough in approach working to get best outcome for clients.

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

Looking for insurance cover

How has Spencer Clifton helped you?

He helped me find the best plan for myself and the cheapest.

Have you seen the outcome you were hoping for?

Yes

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

As we have now reached our 50's, we wanted peace of mind that our finances are all in order and look for the perfect deal on our remaining mortgage.

How has Spencer Clifton helped you?

He has found us the best Mortgage deals for many years, and always contacts us when are deals are coming to an end which I find really helpful, he has also found us a great Insurance Protection policy and is currently looking at my numerous pensions I have collected over the years.

Have you seen the outcome you were hoping for?

Yes, he has more than exceeded our expectations.

What could they have done better?

Nothing, I have no fault with his service.

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

I needed pension advice and Spencer was local and had good reviews

How has Spencer Clifton helped you?

Spencer explained every detail quickly and efficiently, plain simple English and no confusion.

Have you seen the outcome you were hoping for?

I am very happy with the service provided, and hoping in the future to use Spencer for investments

What could they have done better?

Spencer's service was perfect, everything went perfectly

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

I have known Spencer since he first started in financial matters

How has Spencer Clifton helped you?

Always given me sound advice on all matters

Have you seen the outcome you were hoping for?

Yes very pleased with profit made on in vestments

What could they have done better?

Nothing could have been better

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

I needed a Financial Adviser following the death of my parents.

How has Spencer Clifton helped you?

Spencer was recommended to me by my solicitor. He has been absolutely fantastic in all respects. Spencer has advised me in the best possible way. I can honestly say that it may be difficult at times to find someone who you can trust, especially where finance is concerned but Spencer is right there at the top. I would have no hesitation in recommending him for all of your financial advice.

Have you seen the outcome you were hoping for?

Yes, I have seen the outcome and it is exactly what I expected.

What could they have done better?

Nothing - the advise he gave me was first class.

Please provide a brief comment about your experience with Spencer

Spencer has been a credit to his company.. He is always on time.. very smartly dressed.. a very respectful of me and my home.. Spencer always make our meetings very simple for me to follow.. he always makes sure I understand what he is advising.. and that I am comfortable to proceed with any decisions I make.. A good man..

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

Morgage - First time buyer

How has Spencer Clifton helped you?

Mortgages - Spencer’s communication was first class, clear and precise. He was always there to answer the phone whenever we wanted to ask questions - absolutely brilliant!

Have you seen the outcome you were hoping for?

Yes very much so.

What could they have done better?

Nothing.

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

First time Buyers - Mortgages

How has Spencer Clifton helped you?

Spencer has provided excellent service to us, he explained the different principles of getting a mortgage and how it works. He gave us quotes of different mortgage rates and what the best long term plan would be.

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?

decided needed a financial health check

How has Spencer Clifton helped you?

transfer of Pensions and new saving schemes.

Have you seen the outcome you were hoping for?

Yes they are longer term investments

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

We needed to find a mortgage deal as our existing deal had run out some time ago. With interest rates on the up we needed to find a good deal.

How has Spencer Clifton helped you?

Spencer visited us & with the information we provided him he gave us plenty of mortgage options. We chose a deal that suited us & Spencer kept us informed throughout the application process updating us as & when.

Have you seen the outcome you were hoping for?

Our new mortgage deal is done & we are happy.

What could they have done better?

He couldn't of done any better!! The whole remortgage experience was great..I wish we had done it earlier.

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

Our Mortgage was coming to the end of its fixed term, and as Spencer has always looked after mine and my parent’s financial matters , there was nobody else I would turn to.

How has Spencer Clifton helped you?

Spencer provided excellent advice and discussed all the options available at the time, which made the decision and process very easy.

Have you seen the outcome you were hoping for?

the outcome was excellent and was one of the best deals around at the time.

What could they have done better?

Nothing - excellent service that I have come to expect.

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

Needed a new deal on a mortgage due to fixed term coming to an end

How has Spencer Clifton helped you?

Spencer found a great deal for us on a fixed term mortgage. Also had a look at our current insurance policies and advised us on how we could save money

Have you seen the outcome you were hoping for?

Yes, very happy

What could they have done better?

Nothing, everything was what we were hoping for.

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

I have known Spencer since he was a teenager, when he first started out in insurance and have trusted his advice over many years, as have my parents before me.

How has Spencer Clifton helped you?

House insurance, pension, investments.

Have you seen the outcome you were hoping for?

most definitely

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?

Originally for financial advise on pensions

How has Spencer Clifton helped you?

Spencer is very professional and finds the best product that fits our circumstances.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, very professionally and trustworthy

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

Have retired needed a small income

How has Spencer Clifton helped you?

He sorted everything out

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?

Didn't know much about pensions and needed sound professional advice

How has Spencer Clifton helped you?

Spencer has always been very professional and has given me sound financial advice.

Have you seen the outcome you were hoping for?

Yes, very pleased

What could they have done better?

Nothing

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

Struggling with pension issues and best way to save

How has Spencer Clifton helped you?

Resolved tricky issues and gave good advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing - all good.

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

Discovery of forgotten pensions

How has Spencer Clifton helped you?

Put all pensions in 1 place

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 was looking for a health insurance for myself and my family

How has Spencer Clifton helped you?

He gave me various options

Have you seen the outcome you were hoping for?

Yes

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

Retirement

How has Spencer Clifton helped you?

Helped transfer several pension pots into one

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?

The terms of our current mortgage were coming to an end and we also wanted to consolidate our health insurance

How has Spencer Clifton helped you?

The terms of our current mortgage were coming to an end and we also wanted to consolidate our health insurance

Have you seen the outcome you were hoping for?

Spencer was very clear and concise in his advice not at all pushy and gave us very good guidance to our new mortgage and health insurance

What could they have done better?

Spencer was very clear and concise in his advice not at all pushy and gave us very good guidance to our new mortgage and health insurance

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

I have known and used Spencer's services for over 20 year's with him advising and looking after my pensions.

How has Spencer Clifton helped you?

Spencer has reviewed and advised on my pensions so that they are most likely to perform at there optimum at a level of risk that as an individual I am comfortable with.

Have you seen the outcome you were hoping for?

All outcomes have been positive with the investments.

What could they have done better?

He has so far not made me a multi-millionaire but we live in hope, other than that top service.

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

Buying a house

How has Spencer Clifton helped you?

Yes he was excellent

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?

We were buying our first home and we asked Spencer to help us

How has Spencer Clifton helped you?

Spencer advised us of what mortgage we could afford and then helped us to apply for a mortgage what we were happy with. He also advised us with health insurance and provided us with the information to choose a health insurance that would cover our needs. When our mortgage is due for renewal Spencer is always ready and happy to help.

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?

I was made redundant in 2020 and needed advice about what to do with my private pension and the best way to transfer it to a secure pension providers, Spencer came highly recommended to me by a very nice and trusted friend, and I was pleasantly surprised how efficient, friendly and helpful he is and would recommend him to any other member of my family and friends.

How has Spencer Clifton helped you?

He talk me through which pension was the best one for me, and the best way to invest it

Have you seen the outcome you were hoping for?

It is early days but I am hoping it will be a good outcome on my investment

What could they have done better?

Nothing I can put my finger on

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

Needed someone to advise me of a second mortgage.

How has Spencer Clifton helped you?

Through a friend

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, very professional

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

Setting up a private pension

How has Spencer Clifton helped you?

Helped me understand how and when to pay into pension

Have you seen the outcome you were hoping for?

Yes

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

Fixed term mortgage coming to an end & wanted advice on best products available.

How has Spencer Clifton helped you?

Searched products and presented a number of options to meet my needs.

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?

Advancing my financial return

How has Spencer Clifton helped you?

Better Pension and overall finance strategy

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Been more pushy on risks.

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

I had been made redundant and started my own business as well as working part time for another company. I wanted advice on my existing pension and to start making contributions to the fund again.

How has Spencer Clifton helped you?

Spencer looked at various options vs the scheme I was already in. On his advice I moved my pension to a new scheme with LV.

Have you seen the outcome you were hoping for?

Yes, so far the fund has worked well, particularly in these challenging times.

What could they have done better?

For me, nothing. He was extremely helpful and sorted everything for me. Nothing was too much trouble.

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

Looking to transfer work pension into a private fund

How has Spencer Clifton helped you?

Very helpful. Explained everything into words I could understand and nothing was too much trouble.

Have you seen the outcome you were hoping for?

Yea very much

What could they have done better?

Nothing

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

Was looking to transfer work pension to private pension

How has Spencer Clifton helped you?

Transfer all pensions to one and set up my pension income

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?

To review my personal finances to ensure i am well placed for retirement

How has Spencer Clifton helped you?

Provided financial advice on my current pension arrangements and options to improve my situation ongoing

Have you seen the outcome you were hoping for?

Yes, consolidation of my options into a more sensible package which will allow me to plan responsibly now and in the future - very pleased

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

Pension information

How has Spencer Clifton helped you?

Spencer helped me with my pension ,mortgage and all insurances an covers needed for my mortgage an house

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think he did his best

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

I was buying my first home and life insurance

How has Spencer Clifton helped you?

Spencer gave me great independent advice on mortgages and life insurance and made buying my first home extremely easy and stress free

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing Spencer helped me where ever needed

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

My pension had matured didnt want to take Spencer sorted new pension company now it still working for me till I require it

How has Spencer Clifton helped you?

My pension had matured didnt want to take Spencer sorted new pension company now it still working for me till I require it

Have you seen the outcome you were hoping for?

Not as yet only been 6 months

What could they have done better?

I dont think there was any thing else that Spencer could have done I think he done the best possible

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

I originally looked for a financial adviser for mortgage advice and Spencer was recommended to me by a friend.

How has Spencer Clifton helped you?

I have used Spencer for over 5 years to advise on current and old mortgages and also on insurance policies and pensions.

Have you seen the outcome you were hoping for?

Spencer has always delivered on what we spoke about and i have always been happy with his service.

What could they have done better?

There is no aspect of what Spencer has done for me that he could do better, this is why i recommend him to friends and family.

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

Pension and savings advice

How has Spencer Clifton helped you?

Offered some suggestions to utilise savings I had more fruitfully

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Happy with advice given

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

Redundancy payment and retirement.

How has Spencer Clifton helped you?

Reviewed my requirements and personal circumstances considering my future aspirations, explaining everything in a way I could understand.

Have you seen the outcome you were hoping for?

Yes at present, I am pleased with the outcomes.

What could they have done better?

I can’t think of anything that could have been done better.

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

My partner recommended Spencer

How has Spencer Clifton helped you?

He has given me quality advice on my pension and savings

Have you seen the outcome you were hoping for?

Exceeded my expectations

What could they have done better?

I am very satisfied with the service I have received

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

Support in buying my first home

How has Spencer Clifton helped you?

1.1 support when needed at any time

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot compare Spencer to anyone but I would return back to Spencer and very positive experience

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

I wanted to consider early retirement. I had a final salary pension however the flexibility was limited and I wasn’t sure i could afford to retire early.

How has Spencer Clifton helped you?

Spencer looked into the options for me and provided all the information I needed to make a decision. I had previously spoken to the pension department of my previous employer but they can only answer your questions and not knowing the right questions to ask made the experience frustrating. Talking to Spencer was so easy in comparison.

Have you seen the outcome you were hoping for?

Yes, I have made plans for the forthcoming year.

What could they have done better?

At the moment I don’t think I could have asked for a better service and I know if I need any further assistance I just need to contact Spencer.

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

I was buying a house.

How has Spencer Clifton helped you?

Spencer helped me find a very good deal on a mortgage and any insurance I needed to complete on the purchase. Spencer made the daunting prospect of first time buying very simple and straight forward.

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

Nothing. Service was top notch.

Please provide a brief comment about your experience with Spencer

Spencer was really helpful with my pension and explained step by step through out my pension options

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

Turned 55 and bombarded with letters from various pensions I'd had over the years

How has Spencer Clifton helped you?

He read all the letters and explained in simple terms what each pension would provide and then told me what options were available to me. With my permission he contacted all the providers and arranged one easy investment.

Have you seen the outcome you were hoping for?

Yes, I am happy that all my previous pensions are now in one place. With spencer's expert advice I now know the value of my pension and I can make plans to retire when I want.

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

Obtaining a new mortgage and getting the best life insurance quotation

How has Spencer Clifton helped you?

Spenser dealt with all aspects of obtaining our mortgage and sorted out the best deal for life insurance and has been on the end of the phone for any queries or concerns that we may of had

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Honestly nothing. We were very happy with the service that Spencer provided.

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

Going through divorce, needed a financial advisor to consult over new mortgage that would be suitable.

How has Spencer Clifton helped you?

Spencer was able to search a wider selection of mortgages available and new which one would be best for my circumstances.

Have you seen the outcome you were hoping for?

Yes, Spencer has been able to get a mortgage for me.

What could they have done better?

Nothing, Spencer has been flexible to my time in terms of appointments and paperwork.

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

A pension that had not been checked or looked at for years

How has Spencer Clifton helped you?

Spencer helped us to locate better areas to put the pension fund and ensured better use of the money in the event of death

Have you seen the outcome you were hoping for?

Better than we had hoped for

What could they have done better?

The advice and follow up checks/calls have been first class

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

Various pensions to amalgamated. Review of mortgage provider

How has Spencer Clifton helped you?

Acquired us a better mortgage, advice on pensions, provided paperwork for proof of comparisons, moved pensions together for better overall management, advice on investments & shares

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Happy with service provided by Spencer

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

As we are getting closer to retirement we wanted to find someone that we felt we could trust to help us get the most from our money.

How has Spencer Clifton helped you?

He advised us by transferring savings and pensions.

Have you seen the outcome you were hoping for?

We haven't seen any outcome yet as we have only recently acted on his advice, but we have every faith that his advice will be for the better.

What could they have done better?

Nothing could have been done any better, he was quick at returning calls, polite, reassuring and helpful.

Please provide a brief comment about your experience with Spencer

I don't actually need a UK qualified IFA. The ones I've spoken to are unable to handle my specific circumstances. I need a specialist tax/ investment advisor and not a product type sales person. TQ.

Please provide a brief comment about your experience with Spencer

Excellent advice

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

I have had pension arrangements with employers going back for more than 20 years. Those arrangements required a review as to whether or not they were still valid and active. I also had house/domestic insurance that I felt was expensive for what it was.

How has Spencer Clifton helped you?

Spencer helped me review alot of historical pension documentation. He helped to determine the best action to take with those pension arrangements to suit my circumstances. He also reviewed my house/domestic insurance.

Have you seen the outcome you were hoping for?

Yes, a transfer of one of the historical pension arrangements to a bettef fund is taking place. A review of other pension arrangements will take place next year. I am also now placed with a cheaper and better house/domestic insurer.

What could they have done better?

I can't think of anything that could have been done any better.

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

After death of my husband i continued to carry on with his financial advisor. Mr Clifton has been understanding of all my needs concerning financial matters.

How has Spencer Clifton helped you?

See above.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

I am very satisfied with spencer clifton as advisor.

Please provide a brief comment about your experience with Spencer

Spencer was very focused and polite and responded promptly to my initial enquiry. I hope to continue to communicate and make some important decisions,

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

My last one retired.

How has Spencer Clifton helped you?

He did everything to get a new morgage, been self employed it’s a little more tricky.

Have you seen the outcome you were hoping for?

Yes. Was super easy and he did nearly everything saving me the time. I’ve a busy work life so spen took the pressure out of moving.

What could they have done better?

No. He made it really easy and can’t recommend spen enough. I’ve actually recommend him to lots of my clients

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

To fix our mortgage rate, consolidate pension funds and find the best savings account.

How has Spencer Clifton helped you?

Spencer gave us really clear advice and made sure that we understood the steps in the process and any implications of the decisions we were making. Spencer took the time to fully understand our needs and requirements, then matched those against the most suitable products on the market.

Have you seen the outcome you were hoping for?

We are really happy with the decisions made as a result of Spencer's advice. We feel confident in the advice we were given and choice of products recommended to us. We have successfully and effortlessly moved across to the new products in just a few short weeks.

What could they have done better?

I don't have any suggestions for improvement. Spencer emailed or called with any updates. He met us at a time and location to suit our needs and answered any questions that we had. He was always on time and well prepared. Thank you Spencer.

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

To invest money on behalf of someone else.

How has Spencer Clifton helped you?

Gave really good advice and handled all aspects swiftly.

Have you seen the outcome you were hoping for?

The investments have only recently been made with a reputable company so hopefully will prove to be good.

What could they have done better?

He couldn't have done much more to help us to be honest. He always came out and visited us and gave sound and clear advice. The admin side of things were completed very quickly. Would certainly recommend him to anyone looking for advice on investments.

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

Needed advice and someone I felt I could trust Opted out of the state pension but but there was no face to face contact and information was very hard to access, also house insurance felt I was being ripped off by my previous insurers.

How has Spencer Clifton helped you?

Spencer understood my needs and goals, explained everything in plain English none of the usual jargon you carnt understand. Gave me confidence in the service I was getting.

Have you seen the outcome you were hoping for?

The documents I received were clear and relieved me of a lot of worry . I felt he found the right products for me which were totally suited to my needs.My policy is much better and much easier to understand than previous policies I had with other companies. I am very happy with my pension arrangements as a result of this advice.

What could they have done better?

There was nothing my Financial Adviser could have done better. Everything was spot on very professional and friendly service

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

Purchasing house.

How has Spencer Clifton helped you?

Many aspects throughout the purchase from start to finish. From finding the most suitable mortgage provider to liaising with solicitors and sorting insurance.

Have you seen the outcome you were hoping for?

Yes we purchased the house.

What could they have done better?

For us as a family nothing. Spencer’s calm approach to advise made the process of buying a house a lot less stressful than it could have been. Throughout the process he was always available to help

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

Mortgage for a new home.

How has Spencer Clifton helped you?

Helped obtain a mortgage.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. The help was spot on.

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

I wanted to check my investments and review my pensoins.

How has Spencer Clifton helped you?

Spencer consolidated my pensions to get me a better return for retirement and a better rate for my ISA.

Have you seen the outcome you were hoping for?

I am very pleased with how my investments are progressing.

What could they have done better?

It is difficult to see how Spencer could improve as he has done everything that has helped secure my future.

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

We needed some independent advice to help us take control of our finances and plan for our future.

How has Spencer Clifton helped you?

Spencer has and continues to provide us with lots of relevant information and has been extremely patient. He's been very flexible around our work commitments and doesn't adopt a sales approach, its all been very consultative and customer centric. Spencer has consolidated our pensions and negotiated some excellent rates on our behalf. We have also just mortgaged and the advice Spencer gave us meant we were better off each month and by several thousand pounds in redemption fees. Spencer has also been very helpful providing us with general advice for which he's received no reward.

Have you seen the outcome you were hoping for?

So far we are tracking very well financially and have peace of mind that we're control of our finances and have someone on our side to ask advice.

What could they have done better?

If anything maybe encourage us to move a bit more quickly!

Please provide a brief comment about your experience with Spencer

I got all the information i needed in an easy to understand way. Spencer will be dealing with my investments in the future

Please provide a brief comment about your experience with Spencer

He was prompt and on time.

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

Remortgaging of my house.

How has Spencer Clifton helped you?

Spencer assessed my financial situation, listened to my requests and presented my options.

Have you seen the outcome you were hoping for?

Yes I was moved onto the most applicable mortgage product and saved money on my insurance plan.

What could they have done better?

Nothing, Service was as requested.

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

Reviewing existing pension and options with moving to another insurer.

How has Spencer Clifton helped you?

With finding the best solution for our individual circumstances.

Have you seen the outcome you were hoping for?

Yes, better deal all round with good growth.

What could they have done better?

Perhaps making more clearer the fees and charges and how they effect the amount to be invested

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

We required professional advice on 1st time home buying.

How has Spencer Clifton helped you?

Provided financial advice which was tailored to our requirements and assisted us in our mortgage application with our choosen lender.

Have you seen the outcome you were hoping for?

Yes, Spencer has delivered a high level of service and has carefully considered our financial position so as to determine the best financial product for us.

What could they have done better?

I cannot suggest anything that would allow for Spencer to have done better as I feel that Spencer has provided a competitive service at its best.

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

Remortgage.

How has Spencer Clifton helped you?

Spencer found us a great deal, better than we could find ourselves.

Have you seen the outcome you were hoping for?

Yes. Spencer was also able to reduce our monthly payments on life insurance for the same cover.

What could they have done better?

Nothing

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

Looking to purchase a house.

How has Spencer Clifton helped you?

First time buyer so gave guidance and advice from the earliest stage of finding a home.When myself and partner had found a property we liked , Spencer then carried out all the dealings with the mortgage lenders and estate agent. Spencer has also sought to provide support with finding the best insurance covers for the future.

Have you seen the outcome you were hoping for?

Yes we had an offer accepted on a place. Spencer secured the mortgage and property has been taken off the market as sold (subject to contract).

What could they have done better?

I personally couldn’t have asked for better service. Being a first time buyer the whole process was new to me, Spencer was always on hand to answer any questions and carry out all the dealings with relevant parties which made it as hassle free as possible.