Reviewed for

Insurance and Protection ( 12 )

Mortgages ( 12 )

Pensions ( 42 )

Equity Release ( 4 )

Retirement income (annuities, drawdown) ( 30 )

Auto Enrolment ( 2 )

Investments and Savings ( 46 )

Pension Transfers - Non Specialist ( 11 )

Inheritance Planning ( 28 )

Long Term Care ( 9 )

Pension Transfers - Specialist ( 11 )

Financial Planning ( 46 )

Financial Mentoring ( 15 )

Financial Coaching ( 4 )

Reviewers' assets

£500k+ ( 19 )

£200k - £500k ( 11 )

Up to £50k ( 3 )

( 1 )

Client reviews

Review from verified client

December, 2023

Overall

Value

Service

Advice

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

My main objectives in looking for an advisor was to work with someone I knew and could trust, had a background in Financial Planning from the Family business and to deal with a younger person who could continue to advise me in my old age,

Have you seen the outcome you were hoping for?

Most certainly and after a little investigation I have been dealing with Steve Pine for some 31 years. I think that may speak for itself.

How has Steve Pine helped you?

Steve has helped me in many ways giving financial advice. My main passion over the years was to build a successful business where money was not my motivator. I left everything to Steve to look after my investments. He helped me obtain mortgages for house purchases, commercial building purchases, advice for my three Daughters house purchases and gift planning to my Children. He has also helped over the years introduce me to Investors, Bank lenders, Solicitors and recently a new contact for updating our wills.

What could they have done better?

Difficult to say as I have been happy with the relationship over the years.

Steve's reply

Thank you Graham. I have thoroughly enjoyed my time helping you and Ode with your financial planning over the many years we have known each other. It has also been a great pleasure seeing the girls grow up and be successful in their chosen vocations and now with their own families. Hopefully we've all got plenty more years in us yet, and therefore there will a good deal of financial and estate planning still to do!

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

Very little knowledge of retirement options.

Have you seen the outcome you were hoping for?

Yes.

How has Steve Pine helped you?

Advice on all aspects of finance and retirement.

What could they have done better?

Nothing.

Steve's reply

Thank you Richard for leaving such a positive review. Despite still some early days market volatility, and with retirement likely to be not too far away, I'm still very confident that your financial planning remains on track.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

Needed to review financial matters post divorce.

Have you seen the outcome you were hoping for?

Yes

How has Steve Pine helped you?

He has provided me with good, comprehensive and easy to understand advice which is relevant to me and my situation.

What could they have done better?

No areas in need of improvement that i can think of.

Steve's reply

Thank you Julia for taking the time to leave such a lovely review. It's been a pleasure helping you with your financial planning over the years and hopefully this can continue for many years to come.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Herefordshire

What were the circumstances that caused you to initially look for an adviser?

I was thinking of retirement and wanted to ascertain my options in order to maximise my income and whether I could afford to retire (which I could!)

Have you seen the outcome you were hoping for?

Yes. I retired and since then, have had twice yearly meetings with Steve in order to update him on my financial needs and for him to update me on where the investments are going / best placed to be. In addition, Steve has always been available for the occasional "emergency" piece of advice.

How has Steve Pine helped you?

As part of the advice, my investments have been structured in such a way as to minimise exposure to IHT and also reduce exposure to CGT when taking cash withdrawals

What could they have done better?

Nothing - very happy with the service and outcomes.

Steve's reply

Thanks a million Andrew and Hilary for leaving me such a thorough and positive review. It is my continuing pleasure to work with you on your financial planning, estate planning and the management of your investments, all to ensure you enjoy the retirement you both very much deserve!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Planning for future financial independence

Have you seen the outcome you were hoping for?

Its too early to judge but I'm confident I have made the correct decision

How has Steve Pine helped you?

Steve helps you to understand what is important to you, areas you may not yet have considered, and ultimately formulate a plan.

Steve's reply

Thank you Brian for your kind words. Although we've known each other for a good few years, I was extremely pleased when you took the leap of faith and became a client in April 2023. Hopefully over the fullness of time, your decision to choose me as your financial planner will prove to be the right one, your financial independence will be consolidated and I can turn a 4 star value for money into 5!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I have known Steve for many years, from the outset I was looking for someone who could unbiased advice on a clear and concise manner.

Have you seen the outcome you were hoping for?

With so much matket volatility in the past few years, I think the outcome has been as good as is possible.

How has Steve Pine helped you?

Explained in simple terms the pro's and con's of making significant financial decisions.

What could they have done better?

Unless Steve had a crystal ball, I don't think much could have been better

Steve's reply

Thank you Tim & Margaret for your very kind words. It's been a delight helping you with your financial planning and managing your investments over the many years we've known each other. Long may it continue...

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Been with Steve for 40 years

Have you seen the outcome you were hoping for?

Yes

How has Steve Pine helped you?

Advised and supported us in all ways we have requested

What could they have done better?

Nothing

Steve's reply

Thank you Peter & Liz for taking the time to leave such a positive review. Who'd have guessed our long-standing relationship would still be going strong after 31 years! It's been a delight and highly satisfying working with you on your financial and retirement planning and setting up the trust for your grandchildren. Look forward to catching up again very soon!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

We needed professional help to give us a good overview of our finances and how best to plan for the future.

Have you seen the outcome you were hoping for?

Yes, absolutely.

How has Steve Pine helped you?

Steve has given us the best balanced advice and has made us focus on how best to achieve our goals financially.

What could they have done better?

No issues with anything I can think of

Steve's reply

Thank you Ter for leaving such a positive and constructive review. As we head towards 6th decade, hopefully sound financial planning and good health will mean we still have many more trips to the Emirates to look forward to!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

Need for good general financial advice

Have you seen the outcome you were hoping for?

Yes

How has Steve Pine helped you?

In many ways, also helping my whole immediate family

What could they have done better?

Nothing of which I am aware

Steve's reply

Thank you Jeremy for taking the time to leave such a positive review. It is an absolute pleasure to be helping you with your estate planning and getting to know your immediate family members a lot better in the process.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Need to plan for retirement

Have you seen the outcome you were hoping for?

Yes

How has Steve Pine helped you?

Steve has been a brilliant adviser. His advice is specific to May needs and very tailored to the objectives I want to achieve. I have recommended him to a dozen or so friends with a glowing endorsement.

What could they have done better?

Nothing

Steve's reply

Graham, it is a pleasure to be helping you with your financial planning, and thank you so much for being such a positive advocate of myself and Aspire. Hopefully the more specific retirement modelling we constructed recently has helped paint a clearer picture of your financial future. Also looking forward to our next meeting when we compare notes on our latest gigs!

First impression from a user who is not yet a client

November, 2023

Overall

Please provide a brief comment about your experience with Steve

Very prompt response good clear communication about the options his firm offers

Steve's reply

Thanks David for taking the time to leave your kind review. Please let me know if you need any more information from me about the financial planning scope of work that I sent you.

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with Steve

We had a lovely welcome by both Steve and the office when we visited. Steve took his time explaining their services and how he could help us. From the beginning we felt we would be a valued client. I would definitely recommend speaking to Steve.

Steve's reply

Hi Julia, it was a pleasure to meet both you and Jill, and thank you for taking the time to leave me such a kind review.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I had a small amount of money that I wasn't sure how to invest. I'm not financially/investment savvy and just couldn't decide what the best option would be for me.

How has Steve Pine helped you?

Steve advised me about the timescale and possible outcomes of investment bonds, what I was hoping to achieve with my money and narrowed down my options so I could make a decision. He was extremely professional and courteous and I won't hesitate in recommending him to family and friends.

Have you seen the outcome you were hoping for?

Yes, my options are now a lot clearer.

What could they have done better?

Nothing that I can think of.

Steve's reply

Thank you Lauren for taking the time to leave such a kind review. Please do hesitate to contact me if you need any more help.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

As my financial situation has started to become more complex, with various decisions to be made now or in the future, I realised I needed financial advice.

How has Steve Pine helped you?

Steve has provided some clear options, tips and actions that it would be beneficial for me to undertake. Steve has a friendly, calm demeanour and explains his advice in simple terms.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No room for improvement, I’d really recommend Steve.

Steve's reply

Thank you Alison for your kind words and it was really nice to meet you to begin to understand your circumstances. Please let me know if you need any help in the future.

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with Steve

I have had a great first impression working with Steve. He is a strong communicator and calm in approach, with in depth attention to detail which has given me a high level of confidence and trust. All interactions are very business like and organised. T&C's very clear so you know exactly what will be delivered and when. I also appreciate the holistic approach across financial and life planning which is not just important for me, but for my dependants in the future.

Steve's reply

Thank you George for your generous comments and I now look forward to working with you and Mike on your long-term financial planning.

First impression from a user who is not yet a client

September, 2023

Overall

Please provide a brief comment about your experience with Steve

I have not use a financial advisor before and approached a number, including firms offering a full discretionary service. I found Steve to be very approachable and knowledgeable but also quite prepared to challenge my views on my investments. I concluded that he would be my first choice for financial advice.

Steve's reply

Thank you Duncan for your kind words. I look forward to hearing from you in the future when the time is right, and when you feel I can turn 4 stars into 5!

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

My company was looking for financial advise around pensions and financial planning. Having given us very useful and clear advice we started using his services for personal financial planning.

How has Steve Pine helped you?

He has given advice on financial planning, tax planning and investment advice. He also managed the transfer of a number of previous pension pots into a single managed diverse global fund, and has more recently provided pension advice around crystallisation and ISA investments.

Have you seen the outcome you were hoping for?

Yes - we are considerably happier that our finances are being well looked after in a professional and competent manner.

Steve's reply

Thank you John & Jonquil for taking the time to leave a review and for your kind words. I've really enjoyed working with you both over the last few years and I now look forward to continuing to assist you with your retirement planning.

First impression from a user who is not yet a client

April, 2023

Overall

Please provide a brief comment about your experience with Steve

I was happy with Steve. It is true that we didn't work together, but that is another matter.

Steve's reply

Thank you Matthew for taking the time to leave me a review. You now know where I am if you would like a comprehensive financial planning service.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Wiltshire

What were the circumstances that caused you to initially look for an adviser?

Pension advice along with financial planning 30years ago

How has Steve Pine helped you?

Steve has left no stone unturned in the pursuit of my financial stability and security for myself and family’s future .

Have you seen the outcome you were hoping for?

Tenfold could not have asked for more .

What could they have done better?

Nothing, Steve has been the consistent source of good advice and support through my financial journey for 30years .

Steve's reply

Thank you Steve for your very kind review, it's been an absolute pleasure working with you through thick and thin over the many years we've known each other. With retirement approaching and as life continues to bring up the odd little challenge, I'm confident your financial plan is on track for later life.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Wiltshire

What were the circumstances that caused you to initially look for an adviser?

Financial planning for our new blended family 25 years ago.

How has Steve Pine helped you?

He has been the constant source of great advice support & reassurance in an otherwise unpredictable financial world.

Have you seen the outcome you were hoping for?

Absolutely.. and more!

What could they have done better?

Nothing. I have total peace of mind that I have received a very high standard of advice & financial planning.

Steve's reply

Thank you Helen for taking the time to leave such a lovely review, it's been an absolute pleasure working with you through thick and thin over the many years we've known each other. With retirement approaching and even with the odd bump in the road, I'm confident your later life financial plan is on track.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

The need for long term financial planning advice.

How has Steve Pine helped you?

Steve Pine's calm and professional attitude to all matters of financial planning under pin his years of knowledge and expertise. It is always a pleasure to discuss with him tax efficient schemes, and his advice over many years has enhanced my life. I enjoy my retirement free from financial worries, which is entirely due to The Aspire Partnership.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No.

Steve's reply

Thank you Felicity for your kind words and for taking the time to leave me such a positive review.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Increasingly complicated income streams & looking for long term (retirement) income

How has Steve Pine helped you?

Offering tax efficient saving plans including expert personal pension advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No issues

Steve's reply

Thank you Nick for taking the time to leave such a positive view, its much appreciated. I have thoroughly enjoyed working with you over the (too many) years to mention, and hopefully we will have many more years to come chewing the fat over what markets may or may not do and life in general!

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Needed to get advice on plans for eventual retirement

How has Steve Pine helped you?

Mortgage, pensions, savings advice.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Steve's reply

Thank you Ian for taking the time for leaving a positive review. It's a pleasure working with you and Helen, helping you with your financial planning in these ever-changing times.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I was recommended Steve by a former colleague of hid

How has Steve Pine helped you?

He has drastically reduced our IHT liability. His advice, which has extended to other members of my family, has always been sound, prompt and reliable

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very little. He has an excellent memory, takes a keen interest in whatever is under scrutiny, and is helpful whenever asked.

Steve's reply

Thank you Jeremy for taking the time to record your kind review. Its been a pleasure working with you and Rosemary and the wider family over the years, and to be able to reduce your inheritance tax liability. In that respect, my work continues!

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

To receive some advice regarding my daughter’s investment and my pension.

How has Steve Pine helped you?

He is now looking after my daughter’s investment. Steve is approachable and very professional. His advice was clear and straightforward.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Steve's reply

Thank you Steph for taking the time to leave such a lovely 'first impression' review. Hopefully with the new Junior ISA investments now in place, Arwen will have a reasonable nest egg to look forward to when she's 18!

First impression from a user who is not yet a client

February, 2023

Overall

Please provide a brief comment about your experience with Steve

As iam approching 55 i was after some direction for the future , i met with steve for about 1.5 hrs explaining all my financial details which i had got prep for him and he gave a break down of what was best for me in very easy way for me to understand and i felt alot more confident and with more understanding of my position and realistic targets that i was hoping to achive in the future .

Steve's reply

Thank you Steve for taking the time to leave me a kind review, it is very much appreciated. Looking forward to hearing from your colleagues at the Golf Club!

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

We had had difficult dealings with a financial advisor and needed good reliable professional advice.

How has Steve Pine helped you?

Steve gave us that advice which given has confidence in our plans. We have dealt with Steve for 30+ years which shows the value of his advice and given us peace of mind in our retirement years.

Have you seen the outcome you were hoping for?

Absolutely yes

What could they have done better?

Nothing

Steve's reply

Thank you Sue for taking the time to leave such a lovely review, its been an absolute pleasure working with you and John for all this time. With much travel and holidays, you are certainly making the most of your retirement, and now proud grandparents to boot! Hopefully we will have many more years together financial planning, and with you keeping me up to date with the latest news from Bloomberg! ;-)

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I was lucky enough to have a final salary pension, a number of colleagues had transferred their pension. I was tempted based on their feedback and the 7 figure transfer value! However, this was a significant decision and my wife and I needed to make sure it was the right decision for us for the long term.

How has Steve Pine helped you?

The main question was, could we achieve the lifestyle and goals we had utilising our savings and the final salary pension, or should we transfer away from the final salary pension. We discussed our goals, several potential scenarios and our individual appetite for risk. Steve and the team built models that visualised how we could achieve our goals by utilising the benefits of an indexed link final salary scheme. For us Steve helped us define clear goals, demonstrated how we could achieve them without taking any potential additional risk of moving away from the final salary pension in a clear, professional and personable way. We have regular reviews on performance with Steve, which includes discussions on any changes to goals, circumstances and whether any investment decisions need to be made. Another benefit has been utilising the Steve Aspire teams broad knowledge across a variety of areas which has included; setting up Power of Attorney, a Will and re-mortgage advice.

Have you seen the outcome you were hoping for?

Yes. Although we only just a year into the investments our lifestyle is simpler, we have a clear plan and we can tap into Steve's advice at anytime, which has been helpful as I set up a limited company during the last 12 months.

What could they have done better?

Based on our experience absolutely nothing.

Steve's reply

Thank you Sean and Donna so much for taking the time to leave such a detailed and positive review, particularly explaining how Aspire's objectives based financial planning helped you make an informed decision about one of the largest assets you own - your preserved defined benefit pension. Hopefully Aspire's straightforward and common sense approach will continue to provide you with the safe pair of hands you need for financial peace of mind for many years to come.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

I had lots of small pensions that needed collating

How has Steve Pine helped you?

He’s sorted us out and given us a clear path to retirement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, I have no complaints at all.

Steve's reply

Thank you Graham for your kind words, its been a pleasure working with you and Rosie on your retirement objectives. And thank you also for referring me to a number of your colleagues over the years, it is much appreciated.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Herefordshire

What were the circumstances that caused you to initially look for an adviser?

I knew that I needed to start financial planning with my husband at the time. This was started with Steve's father and it was a natural progession to go to Steve after his father died and remain with the same firm.

How has Steve Pine helped you?

Steve has helped me with all aspects of my financial planning for many years. He has assisted me and guided me through some very difficult times financially, followng the death of my then husband and also my father. Over the last fifteen years, he has provided me with sound advice to secure my financial future.

Have you seen the outcome you were hoping for?

Definitely and if anything my expectations have been exceeded. My investments have increased in value overall. I have frequent reviews and Steve is very approachable if I have any issues or questions.

What could they have done better?

Nothing. I am very happy with the service level and outcomes.

Steve's reply

Thank you so much for your kind words Hilary, it has been a pleasure to assist you (and Andrew) with your financial planning over the years, and I hope I can continue to help you fulfil your retirement dreams for many years to come.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

To "sort out" our delayed financial planning with a trusted financial advisor

How has Steve Pine helped you?

Steve first introduced discipline into our planning. Next, he moved to help us use our business profit most efficiently for personal benefit. He has also said when he cannot add anything to our calculations

Have you seen the outcome you were hoping for?

Our pension has decreased this year, but now is growing again. We now have a secure pension with a target for control Steve's also increased our options for future personal and business planning

What could they have done better?

N/A

Steve's reply

Thank you Gerard for your kind words, and for taking the time to leave such a positive review. I'm really looking forward to continuing to work with you to link your business and personal financial planning objectives. It's also been a pleasure working with your parents to help make the most of inter-generational wealth planning opportunities.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Understanding options and planning for the future.

How has Steve Pine helped you?

Helped understand how to reach short, medium and long term life goals. What steps I can take now and bring clarity to the different plans I have.

Have you seen the outcome you were hoping for?

Clearer understanding of options, what I can do myself and where I may require further input.

Steve's reply

Thank you for kind words Julie, it is much appreciated. Thank you also for the trust you have placed in me when referring me to another member of your family for investment advice.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

Although being a successful businessmen, looking after my finances was never that exciting to me, i was more interested in producing and selling a product. I therefore needed a Financial Advisor to organise and look after my affairs for all time.

How has Steve Pine helped you?

Yes, Steve has helped me. I knew Steve whilst he was working for his Fathers Financial business, too many years ago to mention. Steve over the years has helped me with several mortgages for both commercial and private and residential. He consolidated several pensions under one roof and has invested both my pensions and savings in agreed low risk areas. He also has introduce me to alternative Banks and Accountants as and when required.

Have you seen the outcome you were hoping for?

Most Certainly. Steve is some 10 years younger than myself and has built up with his Partners a younger team of professional who will be able to continue advising me during my dotage.

What could they have done better?

Har to say as I have been totally happy with his service over the years.

Steve's reply

Thank you Graham and Odette for taking the time to leave such a generous review, it is very much appreciated. It has been extremely enjoyable to work with you over the years, being able to give you pension and stock market investing advice, whilst learning from your technical skills and entrepreneurial spirit in return. Hopefully we still have a few more years to come!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I took over a business in 1999, which was basically financially in huge decline, but also had great potential ?

How has Steve Pine helped you?

Immensely. Full stop. He has always been a safe guiding pair of hands, as I can be a tad 'reckless' at time's.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nought

Steve's reply

Steve, been a pleasure working with you all these years and thank you for taking the time for leaving such a positive review, its really appreciated.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Steve

I found Steve very helpful, thorough and genuine in the advice he gave me on my financial affairs and would certainly recommend him to friends and family.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

I had a SAS & SIP with cash and property in both.

How has Steve Pine helped you?

Steve helped me plan the best way to align both myself and wife’s pension pot and helped us both invest.

Have you seen the outcome you were hoping for?

Upto now the investments have been doing well obviously with the current world issues things have slowed but we’re confident they’ll get back on track

What could they have done better?

Nothing

Steve's reply

Kevin and Jayne, thank you so much for taking the time to leave such a generous review. It's been a pleasure working with you since we met in May 2017; rearranging your Small Self-Administered pension schemes (SSAS) with commercial property purchases: meeting annual and lifetime allowance challenges and moving into pension drawdown. Being involved in the process of selling your business to an Employee Ownership Trust (EOT) has also been an experience. Although global markets have been volatile recently, I am confident a patient buy and hold long term approach to investing will ultimately meet your investment plan objectives.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

To get a complete picture of our finances as well as investment advice and retirement planning

How has Steve Pine helped you?

Year to year investments. A brilliant view of our finances into the future, including options and inheritance advice. Clear, simple illustrations along with truly expert advice and knowledge of the markets and risk planning.

Have you seen the outcome you were hoping for?

We have a comprehensive picture to discuss and add minor adjustments depending on Global and personal issues year on year. This was what we expected and achieved with Steves help.

What could they have done better?

Aspire have provided an excellent service.

Steve's reply

Thank you Brian and Sue for leaving me such a positive and generous review. It's been a pleasure working with you all this time, since the early days of 3sphere through to planning your 'not having enough hours in the day' retirement!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Needed advice regarding investment of funds and pension drawdown.

How has Steve Pine helped you?

With the above

Have you seen the outcome you were hoping for?

Yes

Steve's reply

Brian, thank you so much for taking the time to leave such a generous review. It's been a pleasure working with and Gill over the years, helping with your retirement planning and the occasional guidance regarding gifting to Karen and Jane and the grandchildren.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

As a business owner I was initially looking for financial advise, particularly when it came to my pension contribution.

How has Steve Pine helped you?

Mainly through sound advice, always making himself available. Despite being an owner, no job is ever too small and Steve is always there at the end of a phone. Steve has been considerate throughout my time using Aspire. Steve takes the time to listen and provide constructive feedback. It gives me great comfort knowing I have a sounding board whose opinion I can trust implicitly.

Have you seen the outcome you were hoping for?

Absolutely. My pension investments have seen greater value created, giving me peace of mind for mine and my families future. I've also used Aspire for a remortgage application which secured me an excellent interest rate with a seamless transfer to a new bank. Special mention to Naomi Keith who managed the process and was outstanding in her approach.

What could they have done better?

Improve their app. Still needs a bit of work in my opinion and I don't use it as a tool but feel confident I would if it was slicker.

Steve's reply

Thank you Ricky for taking the time to leave such a detailed and positive review in what is a particularly challenging time for you personally. And more thanks for the feedback regarding the Aspire app as it is part of a technology assessment we are currently undertaking to try to improve all elements of client communication.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Initially for new mortgage

How has Steve Pine helped you?

Steve has helped me with all aspects of financial planning

Have you seen the outcome you were hoping for?

Yes

Steve's reply

Thank you Clive for taking the time to leave me a positive review, it's much appreciated,

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I needed pension and general investment advice, once I became a homeowner

How has Steve Pine helped you?

Clear and concise advice, always with options

Have you seen the outcome you were hoping for?

Overall yes, travelling on any long road, you will always hit a bump or two, but no major crashes and got to where I wanted.

What could they have done better?

Unless they had a crystal ball,I don't think a better job could have been done.

Steve's reply

Many thanks for the very kind words Tim and Margaret, Aspire is very fortunate to have great long term clients like you! I'm still confident capital markets will continue to reward the risk you're prepared to take and hopefully the bumps won't last too long!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Came into some inheritance money

How has Steve Pine helped you?

Built an investment portfolio and got our financial affairs in order.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Made me more money!

Steve's reply

Thank you David and Alison for your positive review, its very much appreciated. Stick to plan and the investment returns will come!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

We have been with Steve since he left school!

How has Steve Pine helped you?

Years of annual reviews and support

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not aware of anything

Steve's reply

Thank you for your kind words Peter and Liz, your positive review is very much appreciated. And yes I think I was just out of short trousers when we first met! Thankfully investment returns have continued to reward the long term investor during that time and I'm confident this will carry on into the future.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

Introduced to Steve by my husband at the time who had used Steve's services for a long time prior to that.

How has Steve Pine helped you?

He has provided me with solid, sensible advice that is easy to understand and suits my requirements exactly.

Have you seen the outcome you were hoping for?

Yes.

Steve's reply

Thank you Julia for your very positive review, its very much appreciated.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Planning for retirement

How has Steve Pine helped you?

Helped to increase the value of our investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Steve's reply

Thank you William for taking the time to leave such a positive review, and I am looking forward to continuing to work with you and Bridget on your retirement planning.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

We wanted to plan for the future and ensure we had enough invested enough to keep us in the lifestyle we are used to.

How has Steve Pine helped you?

Steve helped us to look at all areas of our finances over the last 20+ years and got us to really focus on our income and outgoings so that we were able to save and invest at a level that was comfortable for us. He has also advised and guided us on insurance cover, POA’s & our Wills and has always been available when we have had a query.

Have you seen the outcome you were hoping for?

Yes, we are completely happy with the outcome and if anything our expectations have been surpassed, thanks to Steve.

What could they have done better?

We don’t really think he could have done any more for us.

Steve's reply

Thank you Terry & Tracey for your very kind words and positive review, particularly as I know how busy you are at the moment. I'm confident you will meet your financial and retirement objectives, and more specifically still be able to afford the odd game at the Emirates, if we can get a ticket ever again!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

I had inherited money from my mother’s estate and I needed advice about what to do with it

How has Steve Pine helped you?

After exploring my lifestyle and personal values, Steve explained in detail what he thought was suitable for me as an individual and has helped me to place the money in appropriate places, whilst also thinking about my future needs.

Have you seen the outcome you were hoping for?

I am a new comer to Aspire, so too early to see any financial outcomes, but I am reassured that my money has been invested safely.

What could they have done better?

Nothing. I think Steve has been brilliant, even formatting written information so that I would be able to read it easily. It has really been a personalised service.

Steve's reply

Rhonda, many thanks for leaving such a positive and kind review, it's very much appreciated particularly as you're fairly new to Aspire. I am very confident the hard work we both put into setting up your investment plan, taking into account your views on climate change and reducing carbon emissions, will more than pay dividends over your investing time horizon!

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Steve

I have been a client of Steve for many years and would certainly recommend him. I trust him implicitly with my financial investments.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement

How has Steve Pine helped you?

Simplified requirements and illustrated the future for my wife and me.

Have you seen the outcome you were hoping for?

Hopefully!

Steve's reply

Damian, big thank you for taking the time to leave such a positive review after not being an Aspire client for very long. I am confident the investment plan I have recommended, built on your views on sustainability and making a positive impact on the environment, will combine effectively to provide you with a successful long term investing outcome. With your retirement plans coming to fruition very soon, I look forward to working closely with you to help make informed decisions regarding your retirement choices.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

I needed to consolidate my Pensions as well as investing money i had been left in a will.

How has Steve Pine helped you?

Steve advised on getting better value for money with my pensions, both lower charges and higher returns. Steve also helped me invest money left to me, in the most tax efficient way as well producing as high a return as possible.

Have you seen the outcome you were hoping for?

my pensions have far greater value now than they did before i saw steve

What could they have done better?

I cant think of anything that could have been done better. always a professional service, with clear and informed paperwork sent to me, so i understand what he is undertaking for me.

Steve's reply

Thank you Fraser for leaving such a positive review, it's much appreciated. I am confident your financial plan illustrated through refreshed cash-flow modelling will show you that you aren't too far away in meeting those retirement objectives!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

I wanted to ensure my money was working for me and that I was using it wisely.

How has Steve Pine helped you?

Steve has guided me through mortgages in the early years, then to ISAs and on to investments and pension planning. He’s made sure I have a financial plan in place that is regularly reviewed and refined and is right for me.

Have you seen the outcome you were hoping for?

Yes I have. I have a financially secure future thanks to Steve’s advice and guidance.

What could they have done better?

I cannot think of anything they could have done better.

Steve's reply

Thank you Anne for taking the time to leave such a positive review, it's very much valued and appreciated. I am confident that your sound, well-established and often risk adjusted financial plan can provide you with a comfortable retirement whenever you are ready to do so.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Herefordshire

What were the circumstances that caused you to initially look for an adviser?

Before we got married, my now wife had been with Steve for many years and was very pleased. I needed to consolidate my financial plans for the future and, at that time, for retirement and then ongoing for financial security.

How has Steve Pine helped you?

Firstly Steve told me that I had enough funds to retire! Obviously there were a number of options within that recommendation, as you would expect from a financial adviser, as to the best way to take pension income from annuities and / or drawdown . Since then Steve has helped me consolidate my finances with a view to longer term planning / cash flows for my life expectancy and also with inheritance tax planning to ensure my wife and step daughters are looked after. Twice yearly meetings ensure that there is a good understanding of what I need and / or Steve feels might be appropriate. There is no pressure on a particular course of action and options are presented. Steve is always available at other times of the year if the need arises.

Have you seen the outcome you were hoping for?

Very much so. Naturally investments are subject to market volatility but overall there has been a very good appreciation of the asset values, allowing for withdrawal of funds for life's luxuries and essentials, whilst still maintaining a good level of capital for future needs.

What could they have done better?

Nothing - I am very happy.

Steve's reply

Andrew, it's very kind of you to leave such a considered and positive review. I really appreciate the time you've taken and thank you very much. Hopefully the common sense approach to financial, retirement and estate planning that I know we share will continue long and successfully into the future.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

I was looking to transfer to a new financial adviser

How has Steve Pine helped you?

Definitely - Steve and his team have been extremely helpful.

Have you seen the outcome you were hoping for?

For sure - it's an in going process.

What could they have done better?

I think they have excelled in what I was looking for and required.

Steve's reply

Thanks Jon, your very positive review is much appreciated. I feel the next few years will be very important for us to continue to work closely together to ensure you meet your financial planning objectives.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

What were the circumstances that caused you to initially look for an adviser?

Due to terminal diagnosis we approached Aspire following word of mouth referral.

How has Steve Pine helped you?

Steve was incredibly helpful & most of all very patient. He took the time to explain everything in detail and no question was ever too much trouble. I felt confident in his advice and services and would not hesitate to recommend him to anyone who required advice. A genuinely lovely man who went over and above to help.

Have you seen the outcome you were hoping for?

Absolutely. The advice was invaluable and the guidance & support, communication and assistance was second to none. Without his help we would have lost a large amount of money by staying with the original pension provider.

What could they have done better?

Could have been a bit cheaper!! ?

Steve's reply

Thank you Michael, thank you Kelly for taking the time to leave such a lovely review in the incredibly difficult circumstances you have found yourselves in. Please be assured that Sean and I are here to assist you with your financial planning and to set up a sensible investment plan for the future.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

We have very little knowledge of how and where to secure our finances with retirement approaching.

How has Steve Pine helped you?

He has given us the confidence and trust to put our retirement funds in his hands.

Have you seen the outcome you were hoping for?

We have only recently started our planning with Steve.

What could they have done better?

To early to tell but so far so good.

Steve's reply

Thank you Richard and Rachel, really appreciate you leaving me such a positive review having only been with Aspire for a relatively short space of time. I am confident the investment plan we now have in place will have a beneficial impact on your retirement.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

Having managed to get mortgage free we wanted to start investing our surplus money wisely to plan for our future. We also had several pots of savings which were not being managed as well as we had hoped, we wanted to rationalise these savings (and future savings) and invest with a Company which was more `hands on and proactive` - we chose Aspire for this reason

How has Steve Pine helped you?

As above, Steve has helped to invest our savings in a wise, sensible and professional manner, having taken full consideration of our personal risk strategy

Have you seen the outcome you were hoping for?

Yes, absolutely. Ups and downs, as would always be expected with investments, but overall very happy with the advice from Aspire and choice of investments we have made

What could they have done better?

Nothing really, they are extremely proactive, always plan regular reviews to review performance and circumstance and always do what they say they`ll do in a timely manner

Steve's reply

Thank you Ed and Debbie, really appreciate you leaving me such a positive review. I really hope the combination of scenario modelling and evidence based investing can continue to support the next chapter of your lives.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

What were the circumstances that caused you to initially look for an adviser?

I needed one

How has Steve Pine helped you?

He has provided a broad selection of advice todo with matters financial

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Steve's reply

Thank you Peter, really appreciate you leaving me a very positive review when I know you don't normally do reviews!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

I wanted to review my pension arrangements and financial affairs generally

How has Steve Pine helped you?

He has provided sound and reassuring advice, initially on pension arrangements and then on wider planning and investment of an inheritance

Have you seen the outcome you were hoping for?

Yes, on the whole given the current global issues

What could they have done better?

Very happy with Steve and his team.

Steve's reply

Thank you for leaving such a positive review Mary, its very much appreciated. Hopefully the global outlook we use in our investment policy will continue to deliver you a successful investing outcome now and into the future for your investments and pensions.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Wanted to invest some monies

How has Steve Pine helped you?

As a friend

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

Steve's reply

Thank you Pegs for leaving such a lovely review and looking forward to catching up very soon!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

With so many different and sometimes confusing options to invest in the market place we opted to find an adviser that we could trust and who would give honest and unbiased advice

How has Steve Pine helped you?

Steve and the team at Aspire have certainly provided all of the above and more and can’t speak more highly of the support and advice given over many years in our relationship with the team there

Have you seen the outcome you were hoping for?

Yes in general , despite the setbacks in the markets over the years the sound advice and guidance received has exceeded our expectations

What could they have done better?

Difficult to say , probably very little

Steve's reply

Colin, so pleased to have worked with you and Lindsey over the years, and to have a positive impact on your retirement. And thank you for taking the time to leave such a bright review! Undoubtedly there will be more market ups and downs in the coming years, but I will continue to navigate you through!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Somerset

What were the circumstances that caused you to initially look for an adviser?

I recognise the importance of financial planning, for which I am personally less than competent

How has Steve Pine helped you?

By friendliness, a sense of humour, as well as impressively well informed

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Given me less bumph to read!

Steve's reply

Thank you so much for your review Jeremy and I look forward to many more years of repartee as Aspire continues with your estate planning objectives and lessens bumph!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

Wanting to maximise and protect our savings while planning ahead for retirement.

How has Steve Pine helped you?

Steve has advised us well, taking account of our risk preferences and making sure that our investments achieved good growth. Steve explains things well and his advice has been well tailored to our specific requirements.

Have you seen the outcome you were hoping for?

Most certainly. Even through some difficult economic times we have felt that Our investments were as safe as possible with Steve.

What could they have done better?

Nothing.

Steve's reply

Thank you Bridget for taking the time to leave such a positive review and I am looking forward to continuing to work with you and William on your retirement plans.