I have been given financial advice from John on several occasions over the past few years. Read More
I have always found his advice to be fair and unbiased, his service very professional and would recommend his services to anyone.
I wish to simply thank you for your excellent delivery of service and advice to date as well as to recognise the superb manner in which you conduct your business. Read More
I wish to simply thank you for your excellent delivery of service and advice to date as well as to recognise the superb manner in which you conduct your business.
Previous encounters with financial planners have always left my partner and me not only frustrated but also very sceptical about the benefits of a financial planner. We had left every one of these meetings feeling like we’d just been ‘sold to’ and unsure as to whether or not our best interests had been the motivation of the person we had met with.
However, I am thrilled to say that you have most definitely broken that mould and, since engaging your services more than 12 months ago, we are continually pleased with the outcome of the meetings we have had.
Your approach is friendly, polite, informative and concise. Your attention to detail is excellent and your follow up to our meetings is always very timely. There is never a hint of any ‘hard sell’ and we always feel that you are acting only in the best interests of our financial future.
It is such a relief to have found someone we can trust and talk to openly about our financial matters and for this, we cannot thank you enough.
I would wholeheartedly recommend (and indeed already have!) you and your colleagues to anyone we know and very much look forward to continuing our working relationship with you long into our future.
t is almost 15 years since my first contact with a Clifton Nash partner to initiate a review of various insurance provisions.
It is the area of pension planning that Clifton Nash has been most valuable to me in recent years. Read More
It is almost 15 years since my first contact with a Clifton Nash partner to initiate a review of various insurance provisions.
It is the area of pension planning that Clifton Nash has been most valuable to me in recent years. I am particularly pleased that I have been kept up to date with legislation changes, tax implications and being advised how to take advantage (or minimise the downside) of the continuous changes to pension rules. In particular, receiving advice (advice that is now common) many years ago to consolidate my various pension schemes and subsequently to become an early SIPP adopter have proved to be exceptionally financially rewarding.
The regular reviews (and advice) have always been relevant and appropriate to my changing circumstances; far more so than the typical review provided by the high street financial institutions – where the approach is, by necessity, more generic and formulaic.
I am deeply grateful that a work colleague made that introduction all those years ago. Clifton Nash have served me well, and I expect them to continue to do so.
I am writing to thank you for your advice and assistance in advising us in relation to one of our client’s finances.
As professional attorneys, we need to undertake yearly reviews of our client’s finances to ensure that their money is working in the best way possible. Read More
I am writing to thank you for your advice and assistance in advising us in relation to one of our client’s finances.
As professional attorneys, we need to undertake yearly reviews of our client’s finances to ensure that their money is working in the best way possible.
We were delighted with the professional and efficient manner in which John reviewed the relevant investments and prepared a cash flow modelling system report to demonstrate to us how our client’s money works for them and what changes we could make to ensure that our client receives the best return possible.
I would have no hesitation in using Clifton Nash for any financial advice that our clients require in the future and would happily refer them to all our contacts and clients.
I wanted to thank you for the excellent service you provided me in reviewing our pensions and insurances. We are now feeling a lot clearer with regards to the pension plans we have in place and consolidated all of our, far too many, insurance policies to a manageable and sensible plan. Read More
I wanted to thank you for the excellent service you provided me in reviewing our pensions and insurances. We are now feeling a lot clearer with regards to the pension plans we have in place and consolidated all of our, far too many, insurance policies to a manageable and sensible plan.
I particularly liked the joy and interest you take in your work and the interest you showed in your needs and circumstances in order to provide us with the best solution. You also explained things in plain, straight forward terms which we could easily follow and helped us to make the right decision.
You will be my first port of call when we next review our pensions and insurances and I will not hesitate to recommend your services to friends and family.
Thanks again for your help.
This testimonial is on behalf of Jon and Marie Stephens and myself.
I asked Richard to look into my personal finances to ensure that I could mitigate any potential IHT liability. He did this for me in a very professional and reassuring manner. Read More
This testimonial is on behalf of Jon and Marie Stephens and myself.
I asked Richard to look into my personal finances to ensure that I could mitigate any potential IHT liability. He did this for me in a very professional and reassuring manner. His detailed knowledge of the world of financial services is clearly evident and you feel entirely confident that his recommendations have your best interest in heart. He made a difficult subject very easy to understand.
As a result, I recommend Richard’s services to close friends of mine who own various properties and they have had nothing but the highest praise for the advice and service Richard has provided to them. I am now on a crusade to get more of my friends to sit down with him as I know they would benefit greatly from his financial expertise.
I have worked in the financial services market place for 30 years and known many financial advisers and that is why I can recommend Richard with total confidence as I know that he is at the top of his field.
I wanted to thank you for your expert help in setting up a company pension scheme for Absolutely PC. As an IT company, my staff is very much about detail and it was no surprise that once the word "pension" was mentioned they had a lot of questions. Read More
I wanted to thank you for your expert help in setting up a company pension scheme for Absolutely PC. As an IT company, my staff is very much about detail and it was no surprise that once the word “pension” was mentioned they had a lot of questions.
It was great that you organised a staff information meeting where you clearly explained all of the options and your reason for recommending the scheme. They bombarded you with a lot of questions and you were very happy at the end of the meeting that they had the information needed to move ahead with your proposed scheme.
The joining process you made very easy and I particularly appreciated you taking the time to assist me through the technical questions required by the pension provider.
A few months into the scheme and we have a simple but effective pension scheme that is low cost, easy to manage, and that the staff is happy to contribute to.
I’d be very happy to recommend your services to any business considering a company pension scheme and please feel free to pass my number to any business owner wanting to check this recommendation.
I just wanted to say a big thank you for helping us sort out our financial planning over the past couple of years not only from a personal perspective but also in relation to the business. Read More
I just wanted to say a big thank you for helping us sort out our financial planning over the past couple of years not only from a personal perspective but also in relation to the business.
Having reviewed our existing life cover arrangements you recommended products that not only reduce down our monthly premiums but also provide better cover and more importantly ensure that we have cover in place not only to protect us as a family but also cover the impact on the business should anything happen to either myself or Darren.
Over the years we have accumulated a number of different pension arrangements and once again you completed a detailed review of these and helped us understand what we have in place and the likely benefits we can expect at retirement. This means that with your help we can now plan more effectively for the future.
Finally, as employers, we need to ensure we meet our legal obligations in relation to Workplace Pensions and you have been on hand to provide advice and guidance so that we can meet the deadlines, set up a suitable pension scheme and communicate the changes to our staff.
You always explain things clearly taking into account our level of knowledge and are incredibly proactive in chasing for information and paperwork. We would have no hesitation in recommending you to anyone looking for a financial advisor they can rely on and trust.
I am very pleased to be able to write this letter because your understanding of our situation and the remedies you put in place have been so surprising for Madeleine and myself. Read More
I am very pleased to be able to write this letter because your understanding of our situation and the remedies you put in place have been so surprising for Madeleine and myself.
We have all heard you say how often you see clients who bury away brown enveloped letters without reading them. I did not realise until you started delving that I was one of those you talked about. Mind you I did take the letter out of their envelope but sure I didn’t read them. There were always too many words on a page to grab my interest.
Had I of done so, then I would have seen, what you found, which was a nest egg of £20,000 waiting for me to claim, that I had no idea was there.
Perhaps it would have been better to have told me away from the ears of Madeleine but as she has forcefully pointed to me out over a glass of wine that our marriage vows say we share in everything.
Thank you for your guidance and help it is very much appreciated even though I’m down £10,000 or could it be I’m up £10,000
When a client of mine was seeking help with pension funds I was quick to recommend the services of Clifton Nash. When I spoke with Marie she was delighted with the introduction and spoke very highly of the help that you had provided. She offered this testimonial; Read More
When a client of mine was seeking help with pension funds I was quick to recommend the services of Clifton Nash. When I spoke with Marie she was delighted with the introduction and spoke very highly of the help that you had provided. She offered this testimonial;
“I was very pleased to be introduced to Rich, as I was starting to look at retirement planning and the new rules around access to pension funds and didn’t know where to start with all my various pension pots. Rich was able to help by contacting each of the pension providers and summarising the assets and plan features at each of my pension accounts. He has prepared a detailed report which we are meeting to go through face to face to decide next steps. Exactly what I was looking for, and at a reasonable cost, especially for the peace of mind it brings in an area which continues to be baffling at best.”
I look forward to introducing you to more clients!
I found the service received from Richard Wilcox at Clifton Nash to be first-class from start to finish. Normally I have an aversion to speaking with financial consultants, bankers and other so-called experts. Read More
I found the service received from Richard Wilcox at Clifton Nash to be first-class from start to finish. Normally I have an aversion to speaking with financial consultants, bankers and other so-called experts. Money is often one of those things we often don’t like to talk about – in this case I was more than pleasantly surprised when I shared details of my finances with Richard.
The pre-meeting preparation was helpful to me to focus on the key issues and facilitated an efficient and effective discussion. I found Richard easy to talk to and was impressed with how informed and up to date he was with current financial issues.
The advice I was given was succinct, clear and with no attempt to do anything other than clarifying my thinking. As a result, I have already made a couple of decisions to better place myself financially when the date for retirement finally arrives. I am very happy to recommend Clifton Nash to anyone who wants sound and impartial financial advice – I would suggest that for anyone over 50 it is a must.”
Just over 12 months ago I asked John Davies to look at some retained pension provision, that had been sitting with Standard Life for many years, to see if he could find a better way of managing it for the future, with an eye to increased growth over the medium to long term (5-20 years). Read More
John undertook a detailed fact find and analysis and placed me on a amanaged scheme where and experienced fund manager actively looked at the respective funds once every quarter and made recommendations for growth over the next quarter.
The cost of the advice was reasonable, and up-front charge of approximately £1,500 and a monthly management charge of approximately £50. Whilst this may seem expensive to many, from previous experience as an IFA, I know with certain provisos, you get what you pay for and was happy to agree to these charges.
I am glad to report that the initial investment (before up-front charges) of £76,000 has grown to over £84,000 in the first 12 months, exceptional growth from an exceptional recommendation. Whilst this has been largely on the back of really good growth on the UK stock market, had my investment been in the wrong funds, it would not have experienced this growth.
I would have no hesitation in recommending John Davies of Clifton Nash to all my clients and for all your Life, Pension and Investment requirements.
My wife and I sought John's advice in respect of our pension policies and whether we should consolidate the number of policies that we had accumulated of whether they were best left as they were. Read More
John held some 3 or more lengthy meetings with my wife and I during which we were able to ask and John was able to answer a not insignificant range of questions that we each had for him. This was probably even more taxing for John than it might normally be as both my wife and I spent a reasonable period of our early careers with companies that sold pensions.
After each meeting John produced detailed written advice and feedback on all aspects and on any other questions that we added into the ‘equation’.
We both found John’s advice to be very professional and comprehensive and importantly we felt that it took account of our overall finances and our future aspirations including feedback we had given on things such as our ‘appetite for risk’ in the circumstances.
We have accepted John’s advice and have happily proceeded with his assistance to consolidate our pension policies on a ‘platform’ that meets our various financial needs and aspirations now and in the future.
I and my wife can thoroughly recommend John’s friendly and professional advice.
John assessed my profits yearly and increased my cover accordingly so in the event of any such illness I was paid relatively to my yearly income. Read More
“On 31st august 2009 my life changed dramatically. I was a Managing Director of a lucrative flooring company. A family man with three children.I was rushed into hospital with no previous warnings and diagnosed with a Brain Haemorrhage, an aneurysm had burst inside my Brain and Iunderwent a life saving coiling procedure.Later on whilst in hospital I suffered a Sub-arachnoid haemorrhage stroke.
This has left me with a significant Brain Injury. I now suffer from fatigue, mood swings, lack of motivation, very short term memory and manymore cognitive problems which do not allow me to work at the moment.
Thanks to John Davis and his continued support I was able to take my Rehabilitation seriously. Because of his Professional and Specialist adviceI was given throughout my self employed career to protect my earnings, my family home and our future I received my Critical Life Cover in fullallowing me to repay my mortgage and secure my family home.
A result of suffering a life threatening injury leaving me with permanent Disabilities. I am also covered byIncome Replacements from three Insurance Companies who pay me whilst I am not working.
John assessed my profits yearly and increased my cover accordingly so in the event of any such illness I was paid relatively to my yearly income.Whilst in Critical condition John took my wife through all the stages of the form filling procedures and was always able to offer consistent supportand advice whilst she herself was struggling to come to terms with our situation.
Johns thoughtful and diplomatic advice, warmth and assertive manner has allowed me to get the reassuranceI need to carry on as normal a life with no financial pressures.”
Just a note to thank you very much for the advice and support you gave my Mother recently as she wanted to sort out her financial affairs. Read More
We really appreciate your sensitive approach and openness in offering a variety of potential cost effective solutions that met her needs and made her feel secure.
Moving forward it is also good to know that you will be available and keeping an eye on things.
I would have no hesitation in recommending you and your colleagues at Clifton Nash to others seeking advice for their investments.
I have for many years had a pension plan with Standard Life, on a contracted-out of SERPS basis. This has accumulated a fair amount, as I have actively looked at the performance of the funds and made some changes from time to time. Read More
I have for many years had a pension plan with Standard Life, on a contracted-out of SERPS basis. This has accumulated a fair amount, as I have actively looked at the performance of the funds and made some changes from time to time.
I have for some time wanted a solution which incorporated active fund management on a regular basis. I asked John to look at the current plan and come up with some alternatives for me.
John conducted a detailed fact find, incorporating my attitude to risk, my needs and objectives and came up with a range of alternatives for me. In the end I chose a provision which means my plan now gets an active review every quarter. In real terms I now have the professional services of a fund manager who does this every day and has his fingers on the investment pulse all the time.
The cost was relatively low for the initial and ongoing service and I have no doubt that the return will far outweigh the cost of this advice and active management.
I would therefore recommend John’s service, advice and recommendations to you all, and I am sure that I will now go to him, whenever I have a financial services need of any kind in the future.
The service and professional way he went about his business was excellent and I should know, I was and IFA myself, up until 2003.
Excellent work, of a very high standard.
I have worked with Clifton Nash on several occasions and have always found him intelligent and conscientious in his approach to clients' affairs. Read More
He values long term relationships with clients based on personal attention, trust, and the value of truly independent advice.
Even for those like me with some financial knowledge, the task of moving a pension fund from an employer-based scheme to a more flexible independent arrangement is not without some complication. Read More
Even for those like me with some financial knowledge, the task of moving a pension fund from an employer-based scheme to a more flexible independent arrangement is not without some complication.
Those arrangements are now thankfully completed and I feel it only appropriate to comment on how you both simplified the process and provided clarity at each point where decisions were required, especially in respect of the investment options.
The paperwork, as always with such arrangements, can be daunting, but your guidance was impeccable as your regular updates on how matters were progressing.
I would not hesitate to recommend your services and look forward to working with you as the invested funds are managed over the coming years.