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Martin McCudden, Financial Adviser Dip CII,Cert CII (MP) - Retired

55 Reviews
Top Rated
Member 12+ Years
459232
Kinmel Bay
Rhyl
Clwyd
LL18 5FN

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07971 16****


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Member since : 20 Jun 2012
Manually reviewed : 18 Jan 2023
Last updated : 7 Mar 2024

About Martin McCudden, Financial Adviser Dip CII,Cert CII (MP) - Retired

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My name is Martin McCudden and I was a Financial Adviser for over 30 years. Last based in St Asaph and Kinmel Bay, North Wales and served individuals and businesses across Mid and North Wales. My last practice was as an adviser within an associated Partner Practice of St James's Place Wealth Management. The company is called Atlantic Wealth Consultancy Ltd.

I have now retired and left the industry and thus no longer regulated to give advice, but please still feel free to drop me a line and I'll happily introduce you to one of my colleagues still in the industry if you feel it may be in your interest.

As you may be aware, a lot of the UK Banks, such as Santander, Halifax, Barclays, Lloyds, Nat West etc, have finished their Financial Advisers and made them redundant, or greatly reduced the one to one service now only available to high net worth customers, so if you find you have been left high and dry and have investments with the bank and no-one to discuss them with then just give me a call. There's no cost for the initial discussion to give you an idea of what a hands on Wealth Manager can do for you. In the past I've worked as a Financial Adviser for both Lloyds and HSBC as well as specialising in organisations affiliated to the teaching fraternity. My colleagues still in the industry share much of this story. North Wales is a small place, we're all kind of from the same pool.

Advice Areas that my colleagues can help you with - - Investments and Wealth Management, including ISA's, Unit Trusts and Life Bonds.
- Pension Planning, both new and reviewing older plans
- Mortgages and Re-mortgages including Buy to let
- Life and Critical illness insurance
- Business Protection ( Review those expensive bank plans )

- * Some of my reviews from when I was advising can be seen on this page. Also, feel free to download any of the guides below. **.

P. S - I stopped collecting reviews after 50 odd, but I'm still here, in 2023 if not retired from advising ! The initial consultation is at at the advisers own cost and there's no obligation. You have nothing to lose.

I offered a variety of financial services to individuals and businesses, which were designed to suit any budget. I looked to tailor a bespoke solution to fully meet your financial needs and aspirations. In short I looked to save, make, or protect your wealth and your welfare.

The initial consultation with an adviser is almost always free at their own cost and gives the customer a chance to discuss and question them on all areas of financial planning that further information may be required on.

Qualified to a high standard, regulated and holding industry recognised qualifications. Feel free to check out the information on any adviser and do your due diligence. Ask around, check them out online, read their reviews etc.

Your home may be repossessed if you do not keep up repayments on your mortgage. Past performance is not a guide to future performance and the capital value of your investment and any income from it can go down as well as up.

I last worked within an associate Partner Practice of / and was an Authorised Representative of St. James's Place Wealth Management who in turn are authorised and Regulated by the Financial Conduct Authority. The Financial Conduct Authority (FCA) regulates the financial services industry in the UK, you can check our authorisation and permitted activities on the Financial services Register by visiting the FCA’s website www. Fca. Org. Uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. I retired from the industry at the end of 2022.

UA-61725896-1.
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55 FreeIndex Reviews - Ranked 1st out of 72 UK Financial Advisors

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Valerie Barber
Manchester
Martin was so lovely and informative and really helped me understand a complicated (to me ) problem. He was so professional and knowledgable , and he put me completely at ease I would certainly use Martins expertise again if needed. Thankyou Martin.
Response : Aww, that is very nice of you to say so Val and thank you for the lovely review. Good luck with everything :-).
Graham Roberts
Abergele
Martin McCudden gave us a very professional and personal service. As we had no idea of what we could afford he found us the very best mortgage deal. From the moment we met him he made us feel very welcome and at ease. He explained everything he was doing for us. Martin comes highly recommended by us as our home will be our biggest investment and having him helping us make the right choices. We will always be glad we met Martin for financial advice instead of a bank or building society.
Response : Thank you Graham, it was a pleasure looking after you both and I'm glad we got there in the end. Take good care, Martin.
Julia Markham
Colwyn Bay
Martin has been extremely helpful in explaining my investment options in terms that I could understand. His friendly and cheerful approach has made the process far less painful than I imagined. Thank you Martin ? .
Response : Thanks Julia, it was my pleasure. Enjoy the Summer !
Simon Wilkes
Holywell
Very happy with the service and advice provided. Martyn really took the time to explain all my options and answered any questions that I had. I really appreciated his patience and his ability to fully explain the jargon / legal terms. He really put my mind at ease and allowed me to come to a decision that I'd been putting off for a while.
Response : Thanks Simon, the bundle of question were warmly welcomed, it showed you were thorough and how important it all was to you. I was happy to respond to them. Regards, Martin.
Karen Henderson
Prestatyn
Has been great at sorting out my financial needs. Very patient.
Response : Thanks Karen, well they do say patience is a virtue ! I'm glad it all came good in the end, Regards, Martin.
Emma Ralph
Llanfairfechan
Martin offers a truly lovely, personal and professional service. I found his way of talking over all our financial provisions easy and practical. He made getting a mortgage hassle free, and somehow made getting a pension interesting. Meetings with Martin are always a pleasure and I cannot recommend him highly enough.
Response : Pensions. Interesting ? Lol , oh you're too kind Emma. Upwards and onwards, see you soon, Regards, Martin.
Louise Barber
Llanfairfechan
I honestly don’t know how we would’ve navigated our way through the last few months without Martin. Naturally supportive and non-judgemental in nature, he made transferring our pensions, buying a house and sorting life cover simple. We moved our stagnant old private pensions (that we’d mostly forgotten about) over to SJP and now they’re flourishing! No email or reply is ever too much trouble and he’s never too busy to reassure edgy first-time buyers if they’re having meltdown. Now a firm family friend. A solid gold, and very safe pair of hands. We were lucky to have found him. Thanks forever.
Response : Thank you Louise for that lovely review, I feel humbled. Glad I was able to help.
David Lupton
Tyn-Y-Gongl
Excellent, friendly, knowledgeable and reassuring service from a delightful financial advisor who was instrumental in arranging a home remortgage saving us money and also reinvesting pension savings.
Response : A glowing review ! Thank you David, much appreciated. Catch soon, Regards, Martin.
Lloyd Williams
Wrexham
Martin arranged our mortgage and life insurance , as first time buyers Martin was excellent in talking us through all our options and explaining everything clearly and simply. His service was excellent and made a very stressful situation easy and very quick. Would highly recommend to any one. Many thanks again Martin.
Response : Thanks Lloyd, it was my pleasure, so glad it all came through so well. Good luck in your new home.
Linda Lewis
Rhyl
I would highly recommend Martin. I found him to be very professional and easy to talk to, helping me with advice on my pension upon retirement and is currently helping my husband with his pensions. Linda.
Response : Thank you very much for the review Linda. Work in progress at the moment but we're getting there :-).
Simon
Rhyl
I have never used a financial advisor before, so wasn't sure what to expect. Knowing our financial history I was apprehensive. However martin was a pleasure to talk to, he listened, he wasn't patronising to our circumstances. I felt I could trust him which means a lot when dealing with money. He gave us some great advice that we are going to put into practise. I have already recommended him, and wont hesitate to in the future. We will use again should we require further advice. Thanks again.
Response : Thanks Simon, it was my pleasure & thanks for the cracking review. All power to your elbow, I hope the advice proves valuable. Take care, Martin.
Tom Williams
Prestatyn
I found Martin on my mothers behalf as she was confused about her many pensions and what she was entitled to etc. My mother was exceptionally pleased with Martin's services and found him to be a friendly, kind, intelligent man who clearly understood the financial sector; she would recommend Martin to anyone.
Response : Thanks Tom, that was a lovey review and I do hope I shed a little light on affairs for your mum. You all take care now, Regards, Martin.
Helen Elverstone
Llandudno
I cannot praise Martin enough. My situation was not straightforward due to being self employed. Martin put so much work in for me finding a suitable mortgage product. He kept me updated at every stage and delivered an excellent service. He made what could have been a very stressful situation actually quite enjoyable.
Response : Enjoyable ? For some maybe, haha. I was glad to be of help. Take care, Martin.
Gillian Davies
Abergele
I found Martin to be a really friendly person, And he was able to offer me appropriate advice. Which turned out to be very beneficial, saving my children a great deal of money in inheritance tax. I would definitely recommend Martin, to anyone needing advice regarding pensions and insurance policies.
Response : Thanks Gillian, glad I was able to help. All the best, Martin.
Lauren Ellis
Waltham Cross
This was the purchase of my first home. Martin helped find the perfect mortgage and did so in incredibly tight timelines to allow the chain to move within a month. He also helped us set up life insurance and critical illness cover. My partner and I were extremely impressed with Martin's knowledge of mortgages and insurers. He remained in contact the whole way through, making the whole processes really transparent. He delivered more than I was expecting.
Response : No problem at all Miss E , it was a pleasure to help you both out.
Derek Hardman
Abergele
After exploring many avenues on my own through banks citizens advice trying to get our pension pots, I contacted Martin he called round to the house disgust all our options and set about getting us our money, I would recommend Martin if you have any trouble with pensions and I would not hesitate to contact him again if I need any financial advice, and would highly recommend him to family and friends, BIG THANK YOU MARTIN.
Response : Thanks Derek for the kind review. Pension providers can be hard work at times, but we got there. All the best, Mart.
Charles and Axi
Rhyl
Martin has always explained us every step of the process very clearly. He is professional , reliable and got us a very competitive rate of mortgage deal and life insurance. We believe that Martin always has the customers’ best interest at heart and we will recommend him to anyone also family and friends.
Response : Thank you very much Axija, it was a pleasure to help you both. All being well you'll be in your new place for Spring :-).
Geoff Williams
Wrexham
Martin secured a second home mortgage with speed and professionalism. Dealt with any issues promptly and effectively. Very highly recommended.
Response : Thanks Geoff, no problem, glad to help.
Christine
Rhyl
Martin reviewed a death benefit pension plan and carried out a review of my finances resulting in my being better off financially. He has a great deal of expertise and insight and focuses on achieving the very best outcome for his clients. I am very happy with the service Martin provided and would definitely make him my first port of call for any financial advice. I would not hesitate to recommend him to anyone requiring financial advice of any sort. Thank you very much indeed for all your help, Martin.
Response : It was my pleasure, we had a great result. Thanks for giving me the opportunity to help, Regards, Martin.
David Jones
Abergele
Martin is incredibly knowledgeable and efficient. He is like a dog with a bone and won't give up, chasing mortgage companies to get us the best deal. He understood our requirement, and even managed to sort out our finances at the same time. He is reliable and goes that extra mile to make sure we were happy with everything. He is by far the BEST.
Response : I seem to be getting a reputation ! Hey, it's all good. We got there in the end. All the best, Mart.
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