Clayton Cumming - Financial Adviser

As a Financial Adviser with True Potential Wealth Management, part of the highly-successful True Potential group of companies, I’m committed to delivering better value and choice for my clients.

For me, planning for the financial future is more than just looking at numbers; it’s the people and dreams behind the figures that matter the most.

While I’ve been helping my clients meet their financial goals for 22 years, that message has become even more apparent. I understand that my clients are the most important part of my firm and that a personalised service is essential when matching clients with the right financial products and services. Whether your current goals involve reviewing your savings & investments, planning for retirement or protecting your hard earned wealth, I want to help you make the best decisions with your money.

Managing your wealth can be complex and time-consuming. I can simplify your life by addressing all aspects of your financial wellbeing from investments and insurance to tax and estate planning while offering exclusive opportunities.

Plus, through the use of True Potential’s award-winning technology, I can provide straightforward and transparent advice in a simple and convenient way along with giving you 24/7 online access to your complete financial affairs. As a result, you will be better informed, confident and empowered to reach your financial goals.

I encourage you to take the time to explore my website and discover more about my ‘Beyond Wealth Management’ service and how you can benefit.

Most importantly, I’m passionate about my work and I care about my clients. I very much see my role as ensuring each client has a plan; a strategy to become financially secure, financially independent and financially free!

Clayton Cumming Financial Adviser

Areas Served

  • North Scotland
  • East Scotland
  • South Scotland
  • West Scotland

Clayton Cumming - Financial Adviser

Clayton Cumming - Financial Adviser

As a Financial Adviser with True Potential Wealth Management, part of the highly-successful True Potential group of companies, I’m committed to delivering better value and choice for my clients.

For me, planning for the financial future is more than just looking at numbers; it’s the people and dreams behind the figures that matter the most.

While I’ve been helping my clients meet their financial goals for 22 years, that message has become even more apparent. I understand that my clients are the most important part of my firm and that a personalised service is essential when matching clients with the right financial products and services. Whether your current goals involve reviewing your savings & investments, planning for retirement or protecting your hard earned wealth, I want to help you make the best decisions with your money.

Managing your wealth can be complex and time-consuming. I can simplify your life by addressing all aspects of your financial wellbeing from investments and insurance to tax and estate planning while offering exclusive opportunities.

Plus, through the use of True Potential’s award-winning technology, I can provide straightforward and transparent advice in a simple and convenient way along with giving you 24/7 online access to your complete financial affairs. As a result, you will be better informed, confident and empowered to reach your financial goals.

I encourage you to take the time to explore my website and discover more about my ‘Beyond Wealth Management’ service and how you can benefit.

Most importantly, I’m passionate about my work and I care about my clients. I very much see my role as ensuring each client has a plan; a strategy to become financially secure, financially independent and financially free!

Areas Served

  • North Scotland
  • East Scotland
  • South Scotland
  • West Scotland

Areas of Expertise

Investment Planning

Reliable wealth management advice and the right investment strategy are crucial to securing your financial wellbeing. If you are looking to invest for income or growth, I can provide quality advice, comprehensive solutions and ongoing service.

True Potential Investments’ carefully constructed range of risk-rated funds, including the exclusive True Potential Wealth Strategy Funds, enable you to spread your investments across a wide range of asset types and fund manager styles to create a personal, diversified portfolio solution.

As a client, you will also have 24/7 access to your investments on your personal client site and the ability to top up on-the-go with True Potential’s world-first impulseSave® technology.

Retirement Planning

Regardless of where you are in life, it is important to receive expert and professional advice on your retirement plans and requirements.

Whether you need to set up a retirement plan or review your existing strategy, I can offer no-fee tax wrappers and access to world-class investment funds. Plus, I can ensure that you are taking full advantage of new pension freedoms.

In addition, our unique True Potential One® life planning tool helps you manage both the accumulation and drawdown phases of your retirement.

Protection

Protecting you and your family from unforeseen circumstances is essential now, and in the years to come.  I can provide protection cover in the various forms of life, critical illness and disability solutions as well as guidance on Inheritance Tax.

Long-Term Care

As we are all living longer, planning for your later life to ensure you are comfortable is vital.  Long-term care provision can include looking after both your medical and non-medical needs, whether that’s at home, within a nursing home or an assisted living facility.

I can provide the specialist advice you need, explain your options and help develop your personal plan.

My clients say...

Clayton Cumming - Financial Adviser

"How has Clayton Cumming helped you since your last review? The past year has been very difficult due to the covid 19 situation and of course the market downturn that also occurred. Clayton provided excellent advice, guidance and reassurance during this difficult period. Although it was very difficult to meet face to face during this time, Clayton always made sure to keep in touch and started a weekly update to provide market information, weekly highlights and of course some humour which was appreciated during this difficult time. He reacted positively to the difficult year and has a proactive outlook."

My clients say...

Clayton Cumming - Financial Adviser

"What were the circumstances that caused you to look for a financial adviser? As we were poaching retirement age we were looking for some financial advise and planning. How did Clayton Cumming help you? We reviewed the financial situation of myself and my wife and decide on the best plan for growth and security. Have you seen the outcome you were hoping for? We are happy with the way things have gone over the last 4 years, and the results have been acceptable, but above all he managed to pull all the different elements together and make our savings, pensions, Isa's and shares a lot easier to understand. What could they have done better? We are more than happy with all the advise Clayton has given and doubt it could be improved"

My clients say...

Clayton Cumming - Financial Adviser

"What were the circumstances that caused you to look for a financial adviser? I have had two other adviser's over the last 10 years and always had to chase information from them. Their charges for the level of service seemed high to me and the performance in terms of the recommended investment plans was at best average and in one case led to a large loss. How did Clayton Cumming help you? Clayton not only went through the semantics of performing the risk profile but took the time to walk through this several times ensuring both fully versed on the outcome I was seeking to achieve and the appropriate risk profile. This has worked very well to date and even when the market changed Clayton was quick to react and review the options and actions open to me Have you seen the outcome you were hoping for? Yes and even though my personal circumstances have changed substantially Clayton has been on hand to help review the impact this has had on my current situation and profile future options. What could they have done better? I think the next stage for me will be to ask Clayton to review and better understand the inheritance options."