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It’s always reassuring to hear real opinions from real people, so here are a few kind words from some of our clients…

Dear Matthew

I am writing to thank you for handling my interests with such success.

During these very trying and frightening times I had expected the worst, but your handling of my account with such brilliance put my fears to rest. Thank you again.

Best Wishes


We first met and engaged the services of Matthew Paveley in 2004, in his role as a Financial Advisor for Bank of Scotland Investment Services.

In 2009, when Matthew informed us that he was to start his own business as an Independent Financial Advisor, the decision we made could not have been easier. Over the preceding 5 years, the quality of advice and personal service we had received, led to our desire to transfer all our investments to his new company.

We continue to invest through Matthew and his company, Citadel Financial Solutions Limited, who have provided the personal and very professional platform, which is reflected in the performance of our portfolio of investments and helped shape our financial security.

It is reassuring to know that someone is available at short notice; who possesses the necessary knowledge and experience, applies a personal approach, is able to advise impartially on important investment and financial planning matters and provides an excellent all round service.

“Would we recommend this company in the future”? Unreservedly, yes.


It has certainly been 15 years – and more – that I have depended on Matthew for his assistance and advice as regards all my financial matters.  Throughout this period I have enjoyed and appreciated his honest and straightforward help on all counts, and I have always found him to be sympathetic and patient with my own rather basic understanding of matters financial.  Always keen to explain more fully any point on which I needed clarification, Matthew is someone I trust, I depend on him and I regard him as a good friend.


Citadel Financial Solutions provides a kind and most reliable financial service which clearly adjusts to the individual needs of the client.  A company to be highly recommended.


Having being made redundant during the COVID pandemic and therefore retiring earlier than expected, the team at Citadel Financial Solutions have been unbelievably helpful in steering me through the financial maze of annuities and investment possibilities during this difficult period. I would highly recommend them as financial advisors.


A reassuringly professional and thorough approach throughout all of our dealings with them. Established a full understanding of our financial aims, and clearly presented and discussed various levels of risk scenarios, ultimately arriving at a well-balanced and effective investment plan.

We are particularly appreciative of the personal service, and with the ready availability to resolve any queries we have and to effect any changes we may wish to make. We are very pleased with the results to date, and we have full confidence going forward.


After looking for someone to help with financial advice and an investment strategy for my savings, I was recommended Citadel Financial Solutions by a friend.  I had assumed the process of looking into options around any financial investments would be filled with difficult-to-understand terminology, a complicated sign-up process and a general feeling of uneasiness as to where my money was going.  Any concerns I may have had were immediately removed thanks to the informative and friendly team at Citadel.  Matthew took the time to really understand my current financial situation and needs for the future, as well as ensure I understood all aspects of what was being discussed so I could make an informed decision on the right investment strategy for me.  He and the team made themselves available 24/7 via Zoom which made joining during Covid incredibly easy and any questions I had were always answered immediately.  Their client portal is a simple and great way to view and monitor all of your financial investments in one place, as well as communicate with the team in a safe and secure way.  I would highly recommend Citadel Financial Solutions to anyone thinking about what to do with their finances.


Matthew and the team at CITADEL have provided ‘one to one’ pension and financial guidance to our staff for many years. The relationship we now enjoy has enabled a more personal service for our employees, who are happy to deal directly with CITADEL on a more flexible basis  if required. Our monthly onsite  Pension clinics have obviously been affected by the COVID-19 restrictions, however with the help of Matthew, Lorraine and Lauren we have been able to continue to offer this valuable benefit to our employees, through the use of technology.  



Matt and his team have provided financial advisory services to our business for over 15 years ranging from corporate treasury advice to running quarterly pension clinics for all staff.

In addition Matt has looked after my own financial affairs throughout that period. His focus is very much on building a long-term relationship, gaining a full and rounded understanding of his client’s needs and financial goals and providing tailored, considered solutions that are practical and uncomplicated.

With Matt and his team you never get the feeling that you are being sold a “product” but are being provided with a range of solutions that are entirely appropriate to the goal that you are striving to achieve.

Matt makes every effort to explain in plain English the merits (and risks) associated with the range of recommendations provided so that you are enable to make informed choices and decisions.

Always happy and available to talk to you about your financial affairs, a really pleasant person to work with supported by a very helpful and friendly support team.



I am pleased to confirm that Citadel Financial Solutions has been looking after our staff’s financial affairs for many years now. He and his team provide our staff with courteous and professional advice, given in an ‘easy to understand’ friendly manner. Matthew is happy to help with anything financial however big or small. It is reassuring to know that he is always on the end of a phone to help.

We are pleased to be able to recommend his services.’



Matthew provides a good service tailored to the needs of the business and to my personal needs.

Long Standing Client

As always, professional and helpful and understanding of my requirements

Long Standing Client

A consummate professional, thorough, clear and understandable. My wife and I both instinctively trust him – we feel we have a personal service, which is important to us. Our thanks.

Long Standing Client



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