Testimonials for Clifford Osborne IFA

“Paul has managed the transfer of my funds extremely well. He explained the process of the transfer in layman’s terms and everything he said would happen, has happened. He took care not to place all of my money at once into an investment portfolio and fortunately the wait proved successful. I don’t know how he finds the time to look after his clients as well as he does, but he is always there for you and respects your hard earned money. My annual review was set up by his wonderful team on time and COVID safe.”

– Client, East Sussex –

“Paul offers a personalised service based on my needs and my attitude to risk, without any pressure, but with knowledge and competence which is obviously reassuring as a newcomer to investing.”

– Bernie, Retired, London –

“I used Paul for Financial Planning for my Retirement. He reviewed my current financial position and he provided suggestions and advice for us to agree the best way forward for projected retirement income. I have every confidence that the choices made will come to fruition. I’m very happy with the service received and would highly recommend Paul to others looking for advice”

– Client, East Sussex –

“Paul has continued to give clear advise and information on all aspects of my investments, cannot praise him enough!”

– Client, East Sussex –

“Having had an interview with the free Government’s Pension-wise service it was suggested we went to a Financial Advisor. Paul’s help was immeasurable with his knowledge, and access to the type of financial product most suitable to our pension pot, and how to get the maximum for our benefit out of it. He certainly has a clear understanding of what is on offer.”

– Client, East Sussex –

“Paul is very current and very on the ball, regarding all aspects of money management and changes in the market etc and keeps us updated. The service is refreshingly transparent and respectful. If you have any questions at any time Paul is always on hand to help. Everything is explained clearly and thoroughly and promptly followed up with a written copy of a breakdown of each meeting. We have had meetings at Clifford Osborne’s offices and also Paul has been to our home for meetings, it’s great to have this kind of flexibility too. We fully recommend Paul at Clifford Osborne.”

– Client, East Sussex –

“On our first consultation Paul decided that we were doing all the right things and didn’t charge for advice. Because of this he was first choice when our circumstances changed and he set up an investment ISA for us. Then later he helped me transfer my pension. This became hampered when covid 19 and early retirement due to ill health interfered with the plans. Paul had made sure that the plans had enough scope to cover these unexpected obstacles.”

– Client, East Sussex –

“We wanted to change our mortgage from interest only to repayment and get a better deal. Paul found us a good rated mortgage and is also helping us with life insurance. He has given us some great advice and would recommend Paul. We have found a good mortgage which is currently being processed.”

– Client, East Sussex –

“As I approached retirement in March this year I found the new pension options a complete minefield. I decided, for the first time in my life, that I had no choice but to seek advice from a financial adviser. Paul explained all of the options with simplicity and clarity and was happy to revisit any issues I didn’t grasp first time. After the process was complete I felt totally at ease with the outcome and accept that without his advice I would have made some potentially very expensive mistakes. Paul took time to question me about what I wanted to get out of retirement, and what I wanted for my family, both now and after my demise. In regards to my pension I have come out of this with an adequate pension to cover my present needs. I also have pension pots invested for the future which I didn’t foresee and is totally down to his financial expertise and advice.”

– Client, East Sussex –

“Paul has been reviewing my pension regularly and advising on best course to take when necessary. We have always been pleased with the service and are always confident that Paul has our best interest as a priority.”

– Client, East Sussex –

“I spoke to Paul because I was confused as to the value of the pension products I already owned. He did an exemplary job of pulling together all of the different pension investments that I had invested in during my working life and then explained the options available to me for future investment growth and drawdown.”

– Client, East Sussex –

“Reviewed current financial position with Paul who provided suggestions and advise for us to agree the best way forward for projected retirement income. I’m very happy with service received and would highly recommend Paul to others looking for advice.”

– Client, East Sussex –

“After going through an initial government pension-wise appointment it was recommended that we chose a financial advisor who specialised in pension freedoms as I was about to retire. The only option at the time was limited to various annuities. Paul’s outstanding knowledge and in depth analysis of the pensions freedoms assured us that he fully understood our requirement with the funds accumulated in pension savings over 40 years. It was with confidence that we decided to appoint Paul as our financial advisor. After our second review with Paul the funds transferred have performed as well as could be expected under the current climate. The decision to use Paul was taken on his outstanding knowledge of the new pension freedoms and investment opportunities with varying funds that individuals may have in their pension pot, being either large or small.”

– Client, East Sussex –

“I was getting divorced and my then husband’s company pension was to be shared. I couldn’t have managed without Paul. He has also guided me as to the best pension options for me and explains things in layman’s terms.”

– Client, East Sussex –

“Paul has assisted me with early retirement and sorting out my whole finances for the future. Having been advised by Mr Paul Clifford on my financial position, I have told a few of my work friends about him and they have also taken his advice in their pensions.”

– Client, East Sussex –

“I had a number of pensions that I had accumulated over my career and recognised that I need to review their performance and ensure the money was performing well and also to understand the nature of the various investments I was holding. Paul immediately understood my situation and after a very thorough review was able to explain fully what investments I had and then between us we agreed a plan going forward which was excellently executed. At all times it was apparent that Paul was prepared to explain everything in detail. I have consolidated my various pension pots, I have seen a noticeable improvement in the performance of my savings and now have a strong understanding of my savings and options available with regards to retirement planning.”

– Client, East Sussex –

“I didn’t have enough knowledge myself so got in touch with Paul. He gave me clear and precise information on all matters relevant. We will definitely be contacting Paul in the future for any further financial advice needed and would be happy to recommend him and his friendly team.”

– Client, East Sussex –

“Paul clearly explained my options and produced an excellent future plan. His advice and guidance has to date meant a successful retirement income. ”

– Client, East Sussex –

“I wanted to find a better performing pension provider, and after reviewing my needs in a pension, Paul did that for me. There is nothing he could have done better and I have seen the outcome I was hoping for.”

– Client, Kent –

“I inherited a large amount of money in an inheritance. Paul gave me all of the options for maximising my income from the inheritance and also advised me about company pension schemes. I am very pleased with the returns from investment, also smoothed the pension claiming process which I would otherwise have found stressful.”

– Client, East Sussex –

“ I wanted to invest money that I had inherited. Paul gave me the best possible advise where to invest the money. From my experience with Clifford Osborne already, I can rest assured in knowing that the money that I have invested recently will be profitable in the future overall.”

– Client, Outside of UK –

“I wanted to set up a private pension and therefore was looking for an advisor to help me do so. Paul helped me decide what type of pension would be best for me and with who. Options were given and chosen and then we have ‘reviews’ to ensure everything is on track. There is always good clear communications, the language used isn’t intimidating and all questions/enquiries are always dealt with promptly.”

– Client, East Sussex –

“I needed sound professional advice from someone I could trust regarding equity release. Paul explained everything to me and didn’t leave me wondering if I had made the right decision to proceed. Paul was very much true to his word and kept me fully informed throughout the entire process. I truly do not think he could have done anything better.”

– Client, West Sussex –

“We were entering the final phase of our working life and so sought reassurance that we would be secure when retirement was eventually upon us. Paul very clearly stated what our options may be and helped us to realise our limited assets in the most efficient manner. His single biggest contribution was to help us pay off the mortgage (our biggest liability) in the most timely manner. His advice has always been clear, straightforward and wholly pertinent.”

– Client, West Sussex –

“I was looking for a Financial Advisor as I was retiring. Paul answered all my pension queries, reinvested all my assets into better long term schemes, fully investigated my feelings on risk and invested accordingly. He has exceeded my expectations on all aspects.”

– Client, East Sussex –

“Being nearly 70 years old it’s quite tricky to raise money for mortgages etc. Paul helped enormously. He even came to my home and explained everything and went through all options available. Paul helped me with a buy to let mortgage and also an equity release mortgage on a separate property. I found Paul’s advice and help extremely good. Fast, knowledgeable and friendly. I highly recommend him.”

– Client, East Sussex –

“Paul was highly recommended to us by our previous Adviser and we were looking for a someone reliable to have a look at all aspects of our financial planning. We were very happy indeed with the service we received. Complicated issues made simple. We had gotten lazy and didn’t realise how much we needed a financial review. Now all aspects of our finances/insurances are sorted, and on track for our current protection and future retirement. We were more than happy with the products and services we received – we could never have gotten anything better if we had tried to sort this out for ourselves – we feel protected for the future for ourselves and for our children with regard to inheritance. We felt that Paul gave us exactly the right advice, tailor-made for us specifically. Very helpful, efficient and friendly.”

– Client, West Sussex –

“I was offered an enhanced transfer value from my company pension scheme so had to seek advice from a financial adviser. With Paul’s help and guidance he helped me take the decision to transfer my company pension which as enable me to take early retirement. It has enabled me to enter retirement mortgage and debt free.”

– Client, East Sussex –

“We required advice and help during a difficult personal time of family illness and needed to achieve the best financial security in the short/medium term. Paul provided us with excellent advice and understood what we were looking for. He was accessible, communicated our options to us very well and always took the time to make sure we understood everything. He acted on our behalf during a very difficult time and took the pressure and worry from our shoulders. We were 100% happy with everything that was done and would not hesitate to recommend Clifford Osborne to others who are seeking financial advice and help.”

– Client, East Sussex –

“We were looking to fund some home improvements and Paul understood and gave us positive advice to enable us to fill our needs. Paul was very helpful, even when there was a hiccup with the legal team. After the form filling was completed he kept regular contact regarding any information he needed to pass on and that we were kept fully informed.”

– Client, East Sussex –

“Nearing retirement and wanting to know if the fund in my final salary pension could provide me with a more flexible income in a different scheme. The information and guidance on pension transfers that Paul provided was clearly presented and enabled me to make an informed decision on how best to proceed. His financial knowledge and expertise was reassuring, and I felt that his advice was definitely in my best interest.”

– Client, East Sussex –

“I needed help to understand Pension options. Paul understood my situation and was able to tailor advice to my circumstances. All details were clearly explained giving me the confidence to choose the best option. All work that was undertaken more than met my expectations.”

– Client, East Sussex –

“I needed advice about Equity Release and wasn’t sure which provider to use. Paul gave me advice on the pros and cons and found me the relevant provider. I am very satisfied with the service I received”

– Client, East Sussex –

“I got in touch with Paul because I was remortgaging after marrying with transfer of ownership. Paul reviewed our circumstances by listening very carefully and looked for the best deal to meet our needs. We successfully opened a new mortgage in joint names and reduced the term.”

– Client, East Sussex –

“I originally went to Paul for for mortgage advice but he was so helpful we asked him to review our pensions also. He helped us with financial planning on buying a buy to let house and also on our pensions. Paul advised against buy to let as not economical on long term basis and transferring our pensions to a cheaper provider.”

– Client, East Sussex –

“We wanted to remortgage at a better rate, and Paul helped us reduce our monthly payments by 25%.”

– Client, East Sussex –

“Our existing Adviser retired and after a meeting and discussion we decided we would like to continue with Paul who understood our requirements. By helping us to consolidate our finances and bring us up to date with other investment opportunities. Paul has been a great help to us as our circumstances have changed a lot and his advice for the future has given us more confidence on how to manage our future. So far things have gone to plan, Paul’s advice and recommendations have been good and we have confidence that if our circumstances were to change again, Paul would do his best for us to cope with a new situation. Paul has always been available to either see us or speak on the telephone, he has a good back-up office where his staff are very helpful. For us the personal touch is most important and I hope he is able to continue this without technology taking over too much.”

– Client, Kent –

“My first husband died while away on business and I had a big insurance payout. Paul was not my first financial advisor but he has helped my investments portfolio grow well over the last few years. Paul is very attentive and always makes time to come and see me face to face.”

– Client, West Sussex –

“I was dissatisfied with my previous provider, so Paul helped me move my pension into a more effective scheme and advised on further investment. The outcome was quite a bit better than I had expected.”

– Client, East Sussex –

“We wanted to release equity from our house and required an Independent Financial Adviser to handle the process – which is required by most equity release lenders. Paul provided fair and objective advice, helped us choose the right package and lender for our needs and being independent had no vested interest in promoting a particular company or product. He thoroughly took into account all of our requirements and explained clearly the entire process and the implications of equity release. We achieved the amount and the terms we expected and we were extremely happy with all the counselling and advice provided by Paul.”

– Client, East Sussex –

“We were looking to release equity from our home and Paul explained very thoroughly about equity release and investment planning. He was with us all the way explaining everything. We are very happy with the outcome. All of the information was clear and constructive and we could talk about all our finances.”

– Client, East Sussex –

“Due to ill health, two slipped discs in the neck, I’ve had to move the defined benefit pension accrued with Stagecoach to Royal London, so I can release 25% to live on, as I’ve lost both the lorry and bus licences. Paul has been very helpful from warning of all the risks associated with this type of transfer, to dealing with a very intransigent company that Stagecoach have shown to be and giving me all the paperwork needed to make an informed decision.”

– Client, East Sussex –

“Running a small business you never have time to look at the details of pensions etc! Having a professional in those areas is good business sense for me. Paul helped me by setting up pensions and working towards my retirement. Paul laid everything down very clear and I understand what I have to do to get to my goal. I am very happy so far with all the advice I have been given and this has helped me in achieving my goal for the future.”

– Client, Kent –

“I moved into the area and needed to speak to an adviser face to face and this was on recommendation. Mr Clifford explained everything to me and provided sound advice.”

– Client, East Sussex –

“I needed advice after poor management from my previous Financial Adviser. Paul explained everything clearly and shows me the various options and gave me a clear picture of the best way forward. So far I’m very happy.”

– Client, East Sussex –

“After a long discussion with Paul, we decided to put some of our pension money at a higher risk, and so far over the past 6 months, it has performed fantastically. As well as this Paul has helped in our long-term plans and has laid out the options for us clearly so we can make an informed decision.”

– Client, East Sussex –

“Personal service at home, clear explanation as to all that Equity Release would entail. Friendly, Professional and very helpful.”

– Client, East Sussex –

“Since my last annual review, Paul and his team have exceeded my expectations once again. He is extremely knowledgeable, professional, personable and he is always there for you, the perfect advisor. The investment choices that he helped me make are proving to be successful and I feel so relieved that I chose Clifford Osborne.”

– Client, East Sussex –

“Gave good sound advice with diagrams to help look at comparable savings choices, keeping me updated at all times.”

– Client –

“Paul, and his team have kept me up to date with my pension funds and I have received great advice, and support throughout the years.”

– Client –

“I was looking for an advisor to review my pension. Paul listened and guided me through the options that were best for my circumstances. The fact that Clifford Osborne is NOT restricted to any investment companies appealed to me. The advice I received was impartial and at no time did I feel pressurised to accept the offer her recommend to me. I have been kept informed of the progress of my pension when necessary and I had no hesitation in recommending him to a family friend who was also looking for pension advice. Now I know why this company has so many excellent reviews. Well done Paul to you and your office team”

– Client, East Sussex –

“Following divorce I found Paul through word of mouth who was able to sort out the transfer of pensions between the two parties for me. I truly have to say nothing was too much trouble for Paul, the divorce was truly horrendous and I could locate none of the paperwork required. Most people would have given up on my bad organisational skills but Paul remained calm, was happy to help in any way he could to reach the outcome required and take away the stress!”

– Client, East Sussex –

“I was looking for advice regarding a final salary pension transfer and subsequent invest of transferred funds. Paul provided sound financial advice and guidance regarding the transfer and subsequent investment illustrating his depth of knowledge, lateral thinking and common sense approach in taking account of our circumstances, needs, and preferences. The outcome of his guidance and advice has far exceeded our expectations. I have been more than happy with the services, advice, and guidance he has provided to date.”

– Client, East Sussex –

“I was looking for advice re the possibility of taking out equity release. Paul went through my circumstances with me and my reasons for wanting to release money. He explained the pros and cons and looked for the best way for me. When I had queries, he was quick to respond. He and his staff were friendly and efficient and I felt I could trust them. I would highly recommend him to anyone looking for help.”

– Client, East Sussex –

“My Mum died last year and I needed to plan for when I would receive the inheritance after her house was sold. Paul and I went through so many questions to find out what it was that I actually wanted, what sort of personality I was (ie how much risk I was prepared to take). I chose a cautious plan that took into account a No-deal Brexit and a Catastrophic Brexit! I needed to make the most sensible decision in order to look after my family and their needs. Paul has kept in contact and he responds to my queries quickly. I made a grown-up decision to seek financial advice and I’m SO relieved.”

– Client, East Sussex –

“Paul took time to understand my circumstances and what I was hoping to achieve. He was very helpful and patient when explaining the different options I could consider, and efficient in dealing with the transfer itself. I’ve been 100% happy with the service I received from Paul and his excellent team.”

– Client, East Sussex –

“We had applied for an equity release through the agents who constantly advertise in the press and on TV. As we progressed down the line we came across several stumbling blocks which prevented us proceeding any further. We were recommended by a friend to try Paul Clifford, and we decided to give it one last try. Paul came up with a lender who could help and he always returned phone calls and kept us in touch at all times with ongoing developments.”

– Client, East Sussex –

“I would definitely recommend Paul as a Financial Advisor. He has given me and my wife very good advice on our pensions which meets our needs perfectly. We will definitely be contacting Paul in the future for any further financial advice needed. We will be recommending him to others too!”

– Client, East Sussex –

“I was retiring and looking for a financial adviser that I could work with on a long term relationship basis that had the appropriate experience and qualifications to provide the initial credible transfer and consolidation investment advice and ongoing financial guidance at the level I require. Paul took time to have extensive discussions with me to fully understand my character and requirements and has already become a welcome sounding board for making decisions on any aspect of my post retirement financial planning. Paul is good company and patiently explains the comparative merits of options identified and welcomes informed debate. As a result with his help I was able to conclude my decision regards a deferred defined benefit pension and two defined contribution funds.”

– Client, East Sussex –

“I would like to be able to make constructive suggestions to help Paul Clifford and his team perform better but truthfully I can’t. From our first conversation to our last Paul was positive, well informed, helpful, patient and conscientious. When Paul was not in the office his work was taken up by the excellent Donna who was well briefed, proactive and charming. I don’t think there was a single occasion when I called the office when Paul did not make himself available to speak to me personally, really exceptional service.”

– Client, East Sussex –

“With the idea of retirement in the very near future we needed to look at options of clearing the mortgage but at the same time not leaving us in a situation of not being able to enjoy our latter years. Paul looked at the various options and explained to us the lifetime mortgage option. The choice of the lifetime mortgage was so we could stay in our property as long as possible which was our ultimate aim.”

– Client, East Sussex –

“I am terminally ill and Axa were offering me about 24,500 as a lump sum ill-health settlement for a pension fund of over 68,000. I knew I had to escape from this as I have an extremely limited lifespan less than 3 months. Paul helped me transfer the fund to a Personal Pension with another major pension provider who then paid me over 64,000 as an ill-health lump sum tax-free to assist my wife to purchase a home for our future. Paul Clifford went so far out of his way to ensure that the funds were transferred and then released as funds to my bank in what I consider to be an incredibly short period; a matter of weeks to get the funds away from Axa who initially took about five months to provide me with a very poor quote. Paul has saved me a fortune. His service was absolutely outstanding. I played my part by providing accurate information but he really chased the providers concerned and did all he could to ensure that we received maximum provider funds. Just brilliant!”

– Client, East Sussex –

“We were seeking a return better than that available through bank/building society savings but nevertheless at the cautious end of the spectrum. Paul was able to recommend a relatively safe harbour for our investment. The outcome so far has been exactly as predicted.”

– Client, East Sussex –

“Paul assisted me with pension consolidation and planning. He consolidated my plans into new provider with appropriate risk profile. Paul quickly understood my bespoke needs and short / long term plans and structured a solution to suit. I’m very pleased.”

– Client, East Sussex –

“I was looking for a financial advisor to consider my options on retirement. Paul took the time to explain complex issues to ensure each area was understood before proceeding. I feel confident I have the right outcome with the level of support I have been given.”

– Client, East Sussex –

“After several failed investments, mostly due to scams, I consulted Paul Clifford on the recommendation of a friend. I also needed urgent advice regarding re-mortgaging my house. Paul has been an enormous help in his advice regarding equity release. He has been inspirational in suggesting the different options that are available to me, giving me flexibility of choice to suit my evolving needs. The work is still in progress. However, I am confident that a favourable outcome will be achieved. By listening to my concerns and assessing my financial needs, Paul has done everything to give me sound advice for the present and the future.”

– Client, East Sussex –

“I was seeking pension advice, in particular particular regarding the possible consolidation of a number of pensions into one scheme. Paul took time to understand my personal requirements, and clearly explained the available options. His reports and advice in face to face meetings were all very helpful. I am very satisfied with the new pension arrangement which has achieved what I was looking for.”

– Client, East Sussex –

“I was left a lump sum of money and also needed to move my pensions into one. Paul helped me in the most professional way in advising me the best way forward and investing my money. It was a first class service.”

– Client, East Sussex –

“We knew Paul before he set up Clifford Osborne and we moved with him as we always found him to be very approachable and very thorough. My husband and I have always received sound, trustworthy advice from him. He is a very approachable person who will do all that he can for all of his clients. There is nothing more that he could have done for us at the time and we will certainly be back in the near future.”

– Client, Surrey –

“I was made redundant and had to look at finding some money to live on in the short term. It ended up that my Pension had to move to a new financial organisation for the best return. Paul took me through all the necessary steps to moving my Pension explaining the benefits and indeed risks. He also made available from the pension money to live on at a very difficult time. Paul keeps me up to date every 6 months with the state of my pension. The money I drew down to live on was more or less replaced as the Pension funds did so well last year. The financial markets are nervous about BREXIT at the moment, but the Pension fund is still going up regardless.”

– Client, East Sussex –

“Paul was able to deal with my specific pension requirements in a professional manner, keeping me informed of progress and chasing down any issues. Paul delivered what I asked him for, I now have a product that gives me the flexibility that I require going forward. It is still early days in the relationship, however i am confident that with regular reviews Paul will continue to advise me over the coming years.”

– Client, East Sussex –

“I had a number of pension plans that had become confusing and unclear over time, as a result of the work I used to do. He ascertained the proper value of my schemes and pulled them together in a coherent way and re-invested the money for better growth. He did this in a way which accorded with my risk tolerance. Paul has helped my husband and I to achieve an early retirement and has guided us skill fully forward.”

– Client, East Sussex –

“When I retired and received my lump sum, Paul gave me advice and helped me plan a low risk investment. I still have my lump sum plus interest and I have had an income from it. All has been well done and Paul is always available and obliging. He is cheerful and he listens to me.”

– Client, West Sussex –

“On retirement I received redundancy money and needed advice about investing this. Paul helped by explaining the different levels of risk and suggested the investments best suited to our needs. We are pleased with the progress of our investments and can’t see how Paul could have done any better.”

– Client, Cambridgeshire –

“I had a lump sum of money left to me after losing my husband. I needed to find the best return on my investment. He has also dealt with all my pensions and also my life insurance policy. Paul was excellent and explained everything to me step by step in a manor that was so easy to understand. I can’t recommend Paul enough, he is a very professional, approachable man and is also at the end of the phone whenever you need him. An excellent outcome has been reached and continues to grow for me.”

– Client, East Sussex –

“As a self employed person it was difficult to remortgage when it came to moving house. Paul helped us by finding us the best affordable product available to us without us having to apply to many different lenders. He also helped set up a life cover policy & a critical illness policy. We managed to move house but thankfully I have not had the need to claim on those policies.”

– Client, East Sussex –

“I approached Paul because I wanted advice on releasing equity from my home. Paul gave me a thorough explanation of what equity release would involve including any disadvantages. He then scanned the market to find the best policy for me.”

– Client, East Sussex –

“I had various employee pensions, plus a private pension, that needed to be reviewed to ensure optimum income flexibility in retirement. Paul advised me on which pensions to hold on to and which pensions to move into a new scheme that would provide me with more options in retirement. The scheme met my need for medium risk while offering significant growth potential. I was very satisfied with Paul’s recommendation and my new pension scheme has been running now for 10 months. It is on target to increase in value by over 9% in the first year. I am very happy with this outcome. Paul is extremely knowledgeable and is clearly motivated by finding the best financial solution to meet each of his client’s individual circumstances and needs.”

– Client, East Sussex –

“We needed to release some finances and when working with Paul he explained the procedure in plain English with all the options and results. I can’t think of anything that would have made the interview or outcome better, Paul made it a very personal experience, and we felt we could always contact him with any query. We would certainly recommend him .”

– Client, East Sussex –

“I wanted to transfer a pension out of a company pension scheme that only offered the ability to purchase an annuity into an income drawdown arrangement to provide maximum flexibility and ensure that my surviving dependants would inherit the residual fund. Paul listened to what we were trying to achieve and suggested an investment fund that provided the flexibility we were looking for with moderate exposure but projected growth. At this early stage I could not fault anything that Paul has done and having spoken with him at length I think if I did have a constructive suggestion he would consider it.”

– Client, East Sussex –

“I had investments that I inherited from my mother and also had my own investments, and I needed to look for help from someone that I could trust in this area. Paul has always given me the best help that I have needed in helping me to find the best ways of looking after my investments. So I would definitely recommend Paul, to anybody who needed financial help and advice.”

– Client, Outside of UK –

“Paul discussed and established my investment preferences and the element of risk I was prepared to take . Subsequently he researched and presented the options for me. I think in these precarious times Paul has given me sound advice.”

– Client, East Sussex –

“At the time of contacting Paul, my money just wasn’t working enough and I was getting very little return. Paul took his time to understand who I am, what I might need in the future and how that might be realised. He gives his time generously and I was very happy to hear that he is now Chartered. He deserves such recognition. Paul was recommended to me and I am delighted he’s on my side.”

– Client, West Sussex –

“I have been using Paul for many years now and his help and advice has helped me achieve the goals I have set myself. 1. Paul has listened to me and then we have put together a strategy for my retirement. 2. Paul has helped with transferring my dwindling pension in its present situation to a much more rewarding package that keep me in control of all the money without any loss on death to my benefactors. 3. On renewing my pension Paul’s advice was paramount in the decisions I have made to the setting up of my renewal and how to go about achieving retirement at 2020 with the house paid for. So far all is going very well with a positive outlook on the future. My new investment plan has a much better outlook with me in complete control. I am very happy with the pension arrangements.”

– Client, Kent –

“We needed advice for an inheritance we received. Paul suggested alternatives for investing the money. I knew next to nothing about finance and appreciated all the advice and explanation given, so can’t think of anything that could have been done better.”

– Client, East Sussex –

“We were needing to plan for the future in terms of pensions and mortgage and Paul quickly identified the options I could consider. I was happy with his recommendations and I feel I understand more than I did. The plan has been implemented.”

– Client, East Sussex –

“I needed a top up to the lifetime mortgage on my property and had used Paul before for original equity release. Paul definitely understood why we needed to top up our lifetime mortgage and he explained everything relevant to our requirements. The most important thing he has done for us was to take control of all requirements needed to achieve a satisfactory outcome All paperwork that was required for us was completely understood and explained by Paul. We were more than happy in the success of releasing equity from our property. We were more than happy with all aspects of Paul’s advice and feel that all was explained to us in a completely straightforward way in which we could understand. ”

– Client, East Sussex –

“We needed funds for home refurbishments and Paul found me the best interest rate that suited my situation and acted very quickly. Paul has been very helpful.”

– Client, East Sussex –

“Paul helped us with advice on where to invest for the future. He provided clear advice with choices about investments based on my risk profile.”

– Client, London –

“Paul helped me with a pension review and life insurance to protect the business and family. He listened to my concerns, took on board my wishes and presented in a timely manner the best option for me.”

– Client, East Sussex –

“I was unsure as to the best way forward with a pension as the rules changed. Paul was extremely thorough and helped me make a decision. I think Paul was pretty good trying to keep me understanding the procedure, but was rather daunting in a world that is not familiar to me. Just felt I could trust him to do the best for me!”

– Client, East Sussex –

“I saw Paul for Pension advise. He was very pleasant, used language I understood and I felt at ease to ask questions and get all the information I required. I never felt rushed or pushed towards one product. I also found out a lot more information about pensions/retirement which is very useful. He organised everything very promptly without fuss.”

– Client, East Sussex –

“I needed some professional help and Paul gave us advice and helped us explore our various options. This was done in a very understandable way. Further information was always available without problem. I will definitely use Paul again if required.”

– Client, East Sussex –

“I approached Paul for pension and investment advice. Paul sought to provide the very best possible advice for my pension arrangements and investment. He exceeded my expectations. His all encompassing work ethic provided the answer to all that I needed to know.”

– Client, London –

“Paul is always happy to listen to our queries and deals with them efficiently. Always knowledgeable and reassuring, sound advice and attentive response to queries and requests.”

– Client, London –

“Paul has always been kind and helpful and he will go extra way to help and sort things out to benefit me; great professional and above all trustworthy.”

– Client, London –

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