Reviewed for

Insurance and Protection ( 7 )

Mortgages ( 25 )

Pensions ( 55 )

Equity Release ( 5 )

Retirement income (annuities, drawdown) ( 36 )

Auto Enrolment ( 2 )

Investments and Savings ( 72 )

Pension Transfers - Non Specialist ( 14 )

Inheritance Planning ( 20 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 5 )

Financial Planning ( 34 )

Financial Mentoring ( 5 )

Financial Coaching ( 2 )

( 1 )

Reviewers' assets

£500k+ ( 14 )

£200k - £500k ( 21 )

£100k - £200k ( 5 )

Up to £50k ( 14 )

( 1 )

£50k - 100k ( 7 )

Client reviews

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Becoming Attoney for my mother

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Advised on how to best manage Mum's assets for her benefit whilst minimising IHT. Subsequently advised me on how best to invest my inheritance from her.

What could they have done better?

We ended up paying no IHT on a large estate that grew faster than inflation at the time of her death - result!

Jonathan's reply

Thanks Martin for taking the time to leave a review. Mitigating Inheritance Tax can be quite daunting. But it is incredibly pleasing to see that, with careful Financial Planning, we were able to save over £200,000 of potential Inheritance Tax on your Mother's estate. Thank you for having the confidence in Smith and Wardle.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

My wife and I were in a situation that if we both died our estate would be liable for inheritance tax, and we would want to pass on as much as our estate as possible to our 2 boys. Secondly an aunt of mine died in 2019, and Jonathan set up a Trust, as per her Will to go to her daughter.

Have you seen the outcome you were hoping for?

We were hoping the Trust investments would have built up a higher rate of income over the last 8 years. But because of world events affecting investments during that time we understand the reason that this has not happened.

How has Jonathan Smith helped you?

Jonathan has helped us in not only setting up the Trusts, but we have confidence in him changing the investment areas of the Trusts if required. Also he has always offered financial help if required to our 2 boys, plus financial and legal advice regarding two of my cousins. I have confidence that if I have a financial problem I could always go to Jonathan and he would advise me.

What could they have done better?

Not a lot more they could have done better.

Jonathan's reply

Thanks for your kind words David. It's always enjoyable working closely with clients; in helping with their every changing financial planning requirements & when that involves the "next generation", it makes us feel that we really are adding value! We rely heavily on client referrals to grow our business. Comments from our existing client's helps prospective clients make important decisions when deciding who to engage with when they are looking for financial advice.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

We were needing help to negotiate the maze of organising what to do with our savings and investments, an area we were very unfamiliar with.

Have you seen the outcome you were hoping for?

Definitely. The help and advice we were given has been first class and we feel a lot more secure now.

How has Jonathan Smith helped you?

Most certainly. We are so pleased that he was recommended to us. He is easy to talk to and realises that we are rather inexperienced in these matters, plus we can always ask for advice if we don't fully understand something. His team are also very helpful, especially Veronica.

What could they have done better?

I don't think there is anything that could have been improved on.

Jonathan's reply

Thank you for your kind words Dorothea. Adding value to our clients' financial position is always our goal and I am so happy that you feel that we have/are making a difference. We look forward to continuing to work with you. Prospective clients rely on comments from clients like yourselves; to help them make important decisions when deciding who to engage with when they are looking for financial advice. Thank you

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Needed advice on investing money

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Invested my money which allows me a regular income

Jonathan's reply

Janet, thank you for taking the time to leave us a review. It's very helpful for us to know that even after working with you for some time now, we continue to add value.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

I have sold some development land and most of the family business so had some capital to invest, to provide my wife and me with a comfortable retirement and leaving a decent legacy for our 3 siblings and 7 grandchildren

Have you seen the outcome you were hoping for?

Too early to say 100% but I hope so.

How has Jonathan Smith helped you?

By helping us focus on our aims and advising how to achieve them

What could they have done better?

Not sure , probably too early to say!

Jonathan's reply

Thank you David for taking time to leave a review of our services. I have enjoyed working with you both over the past few years and hope that we will continue to add value, as our relationship evolves. I look forward to getting a clearer understanding on how we can improve the levels of service you receive, to ensure that you are "getting what you want" from our relationship.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Mortgage and pension advice.

Have you seen the outcome you were hoping for?

Absolutely, yes

How has Jonathan Smith helped you?

Facilitating the combination of numerous pensions into one pension pot.

What could they have done better?

Nothing.

Jonathan's reply

Thank you Dave for taking the time to leave a review of our services. It's important to us to understand the views of clients, especially those like you and Linda, who I have worked with for nearly 30 years!!! We grow our business largely through client referrals. Prospective clients rely on existing client's comments; especially when they are looking to engage with a Financial Planner. Your words are invaluable.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Retirement

Have you seen the outcome you were hoping for?

Yes, I have received good returns on my investments despite volatile market conditions

How has Jonathan Smith helped you?

Jon gives good impartial advice.

What could they have done better?

Administration could sometimes be tighter, but otherwise nothing.

Jonathan's reply

Thank your Phil for taking the time to leave a review of our services. We rely on the honest feedback from our existing clients, to be able to improve "what we do" and to enable us to continue to add value. I look forward to understanding how we can continue to improve our offering.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

An inheritance. I wanted to ensure l could have the money invested was invested well and in a tax efficient manner. Additionally, to ensure my children would benefit in the longer term.

Have you seen the outcome you were hoping for?

Yes.

How has Jonathan Smith helped you?

Jonathan has not only advised me financially, he has also given guidance on how to be inheritance ready.

Jonathan's reply

Thank you Mandy for your kind words and for taking the time to review our services. We are continually striving to improve the value we add and rely on client's comments to help us in this goal.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Needed advice on investing proceeds of my pension

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Yes

What could they have done better?

Nothing that I can think of

Jonathan's reply

Thank you for taking the time to leave us a review. We rely on client's comments to help grow our business. Being able to read client's comments, helps potential clients make important decisions regarding their financial planning.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

I already know John, to search for an alternative does not seem to me to be unnecessary

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

He has advised me for many years.

Jonathan's reply

Thank you Max for taking the time to write this review. Prospective clients rely on the comments from our existing clients, to help them make decisions when they look for financial planning advice. I am so pleased that you are happy with the advice that we have given you over the years and we look forward to continuing to work with you to enable you to reach your goals

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We have been with Jonathan for many years . He has developed our portfolio over the years.

Have you seen the outcome you were hoping for?

Yes very much so . We always receive sound advice from Jonathan.

How has Jonathan Smith helped you?

With all financial issues. Investments for us and our daughter’s future. Pensions and retirement planning . Jonathan can always point us in the right direction . He knows us so well having been a client of his for so many years .

Jonathan's reply

Thank you Kevin for your kind words. It's great to know that we make a positive difference. Everyone's Financial Planning needs change over the years, having a proactive relationship enables us to adapt to change. We look forward to continuing to add value in the years to come.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Retirement was coming up and I needed to review all of my pension pots and take advice on what to do with them.

Have you seen the outcome you were hoping for?

Yes, I've seen the outcome hoped for, everything seems on track and provides the desired income.

How has Jonathan Smith helped you?

Jonathan took the time to understand our needs and then presented the options. We decided what to do next based on the review.

What could they have done better?

Just keep on doing what you are doing, how you are doing it. Thank you.

Jonathan's reply

Alan, Thanks for your kind words. Am so pleased that we have given you the confidence that you are "on track" to enjoy retirement. It does take two to tango and without your input and help, a plan can't work. We rely heavily on our client's feedback; to help potential new clients, make the right decisions for them, when considering engaging with an Independent Financial Planner. It is how we grow our business.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

The best options for investment and to plan for retiment.

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

With good financial advice and giving us the confidence to go ahead with early retirement.

What could they have done better?

Nothing

Jonathan's reply

Thank you Neil; I am grateful for you taking the time to leave us a review. We rely on comments from our clients to help potential new clients make very important decisions when they are looking for guidance on their financial planning needs. I am so pleased that you feel that we have added value and helped you both over the years. I look forward to continuing the journey with you both. You never know, we may even get a round of golf in, one day!

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Essex

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

Six monthly monitoring of investment.

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Yes. Proportionate advice given .

What could they have done better?

Nothing.

Jonathan's reply

Thank you Marilyn. I appreciate the time you have taken to leave us a review. We are experiencing challenging economic times and I am glad that we continue to add value with our regular reviews.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Inheritance tax guidance

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

When my wife died, just over a year ago, he came round to my house to provide much appreciated guidance and advice on reviewing my financial portfolio. Well impressed.

What could they have done better?

Nil.

Jonathan's reply

Thank you for your kind words. I am so pleased that you were as you say "well impressed" with the advice I have recently given you, Trust and Estate Planning can often be perceived as complicated, but it doesn't need to be! I look forward to continuing working with you and hopefully, adding vaue for many years to come

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Separation from my wife and need to change pension provider

Have you seen the outcome you were hoping for?

the outcome exceeded what I had been hoping for.

How has Jonathan Smith helped you?

they took all my information and sought the best outcome for my circumstances

What could they have done better?

not at all.

Jonathan's reply

Jo, thank you for your kind words. I am so glad that we were able to exceed your expectations. We grow our business from client recommendations and are hugely reliant on our client's being advocates for our business

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Yorkshire

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

Needed advice on investments

Have you seen the outcome you were hoping for?

Obviously with all the problems in the economy the outcome is not ideal, but that is to be expected and through no fault of the advice received.

How has Jonathan Smith helped you?

By giving much needed advice and helping us understand financial matters more.

Jonathan's reply

Thank you Jan for your kind words. The current economic market is certainly challenging and demanding. I am glad that we continue to add value; the team is available to help, whatever the query or question.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

A family inheritance and approaching retirement.

Have you seen the outcome you were hoping for?

Yes indeed.

How has Jonathan Smith helped you?

By considering closely our needs and aspirations then applying his extensive knowledge and team resources to tailoring a package of financial solutions which have fully met our needs.

What could they have done better?

Honestly, I can't think of any way in which the delivery and on-going support could be improved.

Jonathan's reply

Thank you Ron, for your kind words. We are in challenging times and i am so grateful to hear that you feel we continue to help. Our regular reviews are so essential to making sure that you remain on track to achieve your goals - enjoy New Zealand!!

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Approaching retirememt I was advised to seek advice.

Have you seen the outcome you were hoping for?

I think my funds are in best places they coukd be.

How has Jonathan Smith helped you?

I would have had to spend hours learning about taxation and investing my pensio funds. Jon has this information at his fingertips.

What could they have done better?

Well his crystal ball didn't predict the recent financial crisis!

Jonathan's reply

Chris and Jacqui, thanks for your kind words. Am sorry that my crystal ball has "fogged up" and that you are being challenged fiscally. I hope our regular reviews will always break things down into "bite sized" chunks and that we can continue to help "hold your hand" through whatever life throws at you financially!

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Essex

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

1nheritance

Have you seen the outcome you were hoping for?

Absolutely

How has Jonathan Smith helped you?

Advised and set up a trust for me, based exactly what II wanted

What could they have done better?

Nothing

Jonathan's reply

Hi Lorraine, thank you! Am so pleased that we have managed to help you and continue the relationship that we developed with your Dad, all those years ago! Personal finances can be very challenging and almost intimidating! I am glad that we have made it understandable and managed to help you be more confident and will continue to do so, though our regular reviews

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Inheritance

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Jonathan is always at the end of a phone or email should I require any advice

What could they have done better?

I’m not sure he could have done anything better, as I am pleased with the service provided

Jonathan's reply

Thank you Sue for your kind words. We have had a challenging few years and you have always been open to my ideas and concepts to help you achieve your financial goals. I look forward to our relationship evolving and hope that we can continue to add value, in an ever changing financial landscape.

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

I had been looking at best way to finance my retirement so had made initial contact. But I was then made redundant when I was 60 so Jon's expertise has helped us thought that and not have had to work since.

Have you seen the outcome you were hoping for?

We have, very much appreciated.

How has Jonathan Smith helped you?

Over 5 years now.

What could they have done better?

Nothing at this point in time.

Jonathan's reply

Thank you Stuart. I am so pleased that we have been able to help you and look forward to continuing to add value, over the years ahead. We rely on our clients to be advocates of our business, which enables our business to grow. Keep working on getting that golf handicap down!!

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Coming up to retirement and needed the best out of my Pensions, he also looked at my Investments and recommended a better place for them

Have you seen the outcome you were hoping for?

There's a lot to consider and he gave me all the options and I'm pleased with the outcome

How has Jonathan Smith helped you?

Jonathan gave me advice, and options for me to look at and wasn't rushed, very pleases

What could they have done better?

nothing

Jonathan's reply

Thank your Roger for your kind words. I am glad that we have been able to add value - especially at such an important time in your life - retirement! The options can be confusing and am glad we were able to help in breaking down the choices, to enable you to make decisions that were right for you. We are so reliant on clients being advocates for our business; recommendation help us grow and add value to everyone that uses the team at Smith and Wardle

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Mortgage advice and financial planning.

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

He has ensured that we are in the best financial position.

What could they have done better?

Nothing

Jonathan's reply

Thank you David. We have known each other for what seems like an eternity and I am so glad, that even after all these years, we continue to add value; to help you both through retirement. We are in an every changing financial landscape and the regular reviews we have will I hope, continue to give you confidence that your finances are "in order". Also, that you will continue to be able to enjoy lovely restaurants and breaks away (as long as you continue to share the good ones with me!)

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in West Sussex

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

Retirement planning

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Jonathan Smith of Smith and Wardle has been helping us with financial advice for over 25 years. He has stepped in when mortgage circumstances changed at the last minute bringing a sense of calm and certainty, and he has helped with investment decisions in the wake of an inheritance, making choices easy and clear-cut. More recently Jon and his team have helped us navigate the murky waters of pensions, helping us to feel in control and adequately provided for. I cannot recommend Jon and his team highly enough, professional, friendly, efficient and accommodating.

What could they have done better?

Nothing

Jonathan's reply

Thank you Tonia for your kind words. Is it really 25 years! Am so glad that we continue to add value and help steer you and Elaine through the maze that is Financial Planning! Our reviews and cash flow forecasting are essential to ensure you "stay on track". Now that now that you have moved to your "forever" home, I really hope that you both (and Molly) will be able to realise your aims and goals. I'm looking forward to the next 25 years!

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Hertfordshire

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

Confusion about multiple pensions and the best way forward.

Have you seen the outcome you were hoping for?

Absolutely

How has Jonathan Smith helped you?

By understanding my needs and offering sound advice

What could they have done better?

No obvious improvements

Jonathan's reply

Thank you for taking the time to add this review Bob. We rely on client reviews to help us grow our business. New clients, rely on the ability to view others' comments, to help them make important decisions, when making important decisions regarding their Financial Planning needs.

First impression from a user who is not yet a client

October, 2023

Overall

Please provide a brief comment about your experience with Jonathan

The rating says it all

Jonathan's reply

Thank you for your feedback Maurice. There are many Independent Financial Planners in North Hertfordshire and particularly in Hitchin. Thank you for choosing us. As far as I am aware, we are the only Fixed Fee Independent Financial Planners in Hitchin and feel that this is one of the reasons why we are different! I look forward to working with you to achieve your goals. Kind Regards Jonathan

First impression from a user who is not yet a client

July, 2023

Overall

Please provide a brief comment about your experience with Jonathan

Jonathan was my first point of contact, he referred me onto another adviser within his firm, this was fine.

Jonathan's reply

Hi Simon. Thanks for the valuable initial impression feedback. I'm so pleased that you are working toward creating your "Financial Plan" with Katharine and hope that this will provide you with the clarity to enable you to have confidence in your retirement and general financial planning. Kind Regards Jonathan

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Hertfordshire

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

Pensions and additional income that required investing somewhere other than property

Have you seen the outcome you were hoping for?

Yes, despite the turndown, investments and pensions have recovered better than expected

How has Jonathan Smith helped you?

Very personable chap and easy to talk to. His advise tends to be focused and doesn't produce too many choices (which is good for me). Investment bonds and pension transfers went well.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Hertfordshire

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

I had a pension which I had started paying into many years ago and I had wanted advice for some time but, due to past experience, dreaded approaching a financial adviser. Reaching the age of 65 I realised I could not delay any longer and approached Jonathan.

Have you seen the outcome you were hoping for?

Yes completely.

How has Jonathan Smith helped you?

He was very patient, listening to our concerns following our past experience, and transferred my pension savings into a new plan which better suited our needs.

What could they have done better?

Nothing, we were completely satisfied.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

My husband's will set up a trust. I was told I had to have a financial advisor for the trust. Jonathan Smith was recommended for this position by the solicitor who was the other trustee of my husband's trust.

Have you seen the outcome you were hoping for?

Jonathan has recommended a suitable broker to manage the trust investments and joined in yearly reviews of the trust. i am satisfied with the broker he recommended.

How has Jonathan Smith helped you?

Jonathan's help has been mainly in relation to my husband's trust. He has sometimes answered general questions on finance after we have discussed this trust. As my daughter, my only surviving child, now lives in Australia Jonathan has agreed to be a joint executor of my will, so that he can assist her in administering my estate.

What could they have done better?

All satisfactory.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Hertfordshire

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

Planning future investments

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Advising what and how to invest.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Need to look to optimise savings and pensions

Have you seen the outcome you were hoping for?

Ongoing process

How has Jonathan Smith helped you?

Friendly clear and patient with advice

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

The need for financial advice after receiving an inheritance.

Have you seen the outcome you were hoping for?

Yes.

How has Jonathan Smith helped you?

Helped with pension, savings and investments and financial planning for the future.

What could they have done better?

Nothing. Jonathan's advice has been sound since he first helped us some years ago.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Getting to and age where advice on various investments and Inheritance tax planning was necessary

Have you seen the outcome you were hoping for?

yes

How has Jonathan Smith helped you?

Listened to what we initially said and advised and recommended respective investments

What could they have done better?

Nothing

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Inheritance

Have you seen the outcome you were hoping for?

Yes . Jonathan has always been honest and explained things clearly , and set up just what I was looking for in terms of security and returns . I feel he understands my personal needs .

How has Jonathan Smith helped you?

He’s always available for advice , assistance and at the initial meeting he determined my requirements and tailored a plan to suit me which has been most satisfactory.

What could they have done better?

Nothing . My investment have performed as per my requirements and I’m updated periodically via a review or when I request information or further advice .

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

I inherited monies from family members

Have you seen the outcome you were hoping for?

Yes, so far I have seen consistent growth in the majority of my investments

How has Jonathan Smith helped you?

He has advised on the most appropriate products to invest in. He has also advised around risk levels for investments and to plan for medium to long term goals.

What could they have done better?

N/A

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Sussex

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

Approached by our bank when I had a redundancy payment. We were advised by Jonathan Smith on how to invest it.

Have you seen the outcome you were hoping for?

We think it has been ok.

How has Jonathan Smith helped you?

Advised on investments and helped to amalgamate my pensions.

What could they have done better?

Do not know.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Sold business

Have you seen the outcome you were hoping for?

I would have preferred more growth but the markets have been particularly challenging recently

How has Jonathan Smith helped you?

Helped with investment portfolio and maximising pension

What could they have done better?

Nothing, he has always responded promptly with all enquiries.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Approaching the point where i was starting to take my pension.

Have you seen the outcome you were hoping for?

Yes, all went very smoothly.

How has Jonathan Smith helped you?

Provided reassurance towards my old age from a financial point of view.

What could they have done better?

It could have been cheaper.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Initially in the 1990s we engaged with Jon for mortgage advice and recently to sort out my pensions.

Have you seen the outcome you were hoping for?

Yes!

How has Jonathan Smith helped you?

Offering up solid financial advice.

What could they have done better?

Nothing springs to mind.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

We were over the inheritance tax limit

Have you seen the outcome you were hoping for?

We were hoping for a better return, but world circumstances have reduced the return.

How has Jonathan Smith helped you?

He has given us good advice, and we have full confidence in the decisions he makes. If our investment is not performing as it should, then he would change it.

What could they have done better?

They could not really have done better.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

We are hoping to retire early and wanted a better understanding of what our financial position would be like if we did this. We didn’t feel that our existing financial adviser was providing the information which we needed.

Have you seen the outcome you were hoping for?

Yes we have a much clearer picture of our financial position and what that would look like in retirement.

How has Jonathan Smith helped you?

Jonathan has taken the time to get to know us and understand our objectives. He has explained things very clearly and made recommendations to ensure that our investments are suitable as we approach retirement. In particular, Jonathan highlighted where we were paying higher costs than necessary and helped us switch to better products.

What could they have done better?

Nothing, all good.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Need to invest for the future.

Have you seen the outcome you were hoping for?

Yes.

How has Jonathan Smith helped you?

Definitely

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

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

Family recommendation for mortgage application.

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Very helpful advice, got me the best deal available.

What could they have done better?

N/a

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Essex

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

Advice on the transfer of pension funds

Have you seen the outcome you were hoping for?

Not initially but Jonathan had been in contact me to discuss the situation.

How has Jonathan Smith helped you?

He helped explain the different options available for my pension transfer - based on my personal risk profile.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Private Pension plans had not been actively managed for some time. I was considering a phased retirement.

Have you seen the outcome you were hoping for?

In the main yes - Though recent market performance has been poor.

How has Jonathan Smith helped you?

Expert knowledge of our circumstances and risk profile.

What could they have done better?

Outcomes are ultimately down to market conditions - overall I would say Jonathan has done well.

First impression from a user who is not yet a client

October, 2022

Overall

Please provide a brief comment about your experience with Jonathan

From the first time I met Mr Smith, I found him very professional and caring. He took plenty of time with me in order that I fully understood everything I needed to know before I made any decisions regarding my funds. Once a decision was made that I was very happy with, I was kept undated on a regular basis, so I had no need to contact for an update. A very pain free undertaking on what is a very important part of my future.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Impending retirement

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Advice and managing drawdown fund

What could they have done better?

The Personal Finance Portal is a bit clunky and old-fashioned

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Needed advice for retirement investments and planning.

Have you seen the outcome you were hoping for?

Yes.

How has Jonathan Smith helped you?

Advised on all financial matters.

What could they have done better?

Nothing.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Deciding where to invest my retirement lump sum

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Advising on options for savings and how to invest money for our children.

What could they have done better?

Nothing I am aware of.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

I had a wedge of money that was maturing with a Bank, and wanted advice of how to re-invest this money. Also as we were in inheritance tax territory and I wanted advice of how to avoid this.

Have you seen the outcome you were hoping for?

I was hoping for a better return, but the returns have diminished due to world events and in no way due to Jonathan Smith's advice.

How has Jonathan Smith helped you?

Jonathan has I believe given his best advice regarding our investments. Also he is willing to give financial advice to our two sons. His regular blogs are very helpful regarding latest developments financially. He is very approachable, and if we had a query or problem I am confident he would give good advice to us. Also I was appointed as a trustee to a trust left by an aunt of mine to her daughter and he gave good advice regarding setting up the trust.

What could they have done better?

They could not have done anything better as far as I am aware. I am pleased with what he is doing.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

I received an inheritance and wanted advice

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

By advising the best financial package for myself and my husband and putting it in place for us

What could they have done better?

Nothing at all

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Thought I would like to retire early and needed to plan for this and full retirement.

Have you seen the outcome you were hoping for?

Yes. Retired some two years early on a reduced income from work with much less srtress.

How has Jonathan Smith helped you?

Johnathan showed me how I could top my income from my existing resources, and planned my future income.

What could they have done better?

I work in a garden centre and he could look after his office plants better otherwise I dont have any suggestions.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

To manage investments to help get the best returns.

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

To give us the confidence to retire early.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Surrey

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

Retirement

Have you seen the outcome you were hoping for?

Yes

How has Jonathan Smith helped you?

Very good understandable advice

What could they have done better?

I can’t think of anything

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

I received an inheritance when my parents died. I wanted to ensure a more financially secure retirement and leave as much money as possible to my children. With Jonathan Smith's guidance I have been able to top up money my children inherited and help them with a deposit for their future homes.

Have you seen the outcome you were hoping for?

Yes, slow and steady progress.

How has Jonathan Smith helped you?

Sensible, grounded advice based on his many years of experience in the finance field.

What could they have done better?

I have been entirely happy with the guidance Jonathan has given me.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Needed expert advice

Have you seen the outcome you were hoping for?

Certainly

How has Jonathan Smith helped you?

Provided constant support and advice in a friendly, jargon free way.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Essex

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

In need of long term financial advice, we were introduced to Jonathan, who has provided exactly what he has been described, fully understanding the requirements and the reasons behind the the funding. We are kept up to date and he is available for any questions that arise in the period between reviews.

Have you seen the outcome you were hoping for?

More so, the product offered was specifically chosen with Jonathans help. We were fully aware of its limitations given the attitude to risk, in the time it has been in place the performance has been excellent, beyond initial expectations and explanations.

How has Jonathan Smith helped you?

In providing a long term solution to elevate IHT as much as can be done within the confines of the law in providing a flexible and safe funding option that allows simple access to funds if so required and still providing a return on investment.

What could they have done better?

We are fully satisfied with the service we receive, we have not come across anything that could be better as yest, however we are confident that should some crop up in the future we would be able to provide feed back that would be taken on board.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in North Yorkshire

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

A need to make investments to receive an income

Have you seen the outcome you were hoping for?

The advice we received has enabled us to receive a comfortable income

How has Jonathan Smith helped you?

He is always available to answer any queries we have and inspires total confidence in the advice he gives

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Like a lot of people approaching retirement I had multiple pensions of varying types and needed advice as to the best way forward.

Have you seen the outcome you were hoping for?

Absolutely!

How has Jonathan Smith helped you?

Jon instils confidence whenever I have dealings with him. His advice has always been sound and appropriate.

What could they have done better?

My dealings with Jon could not have gone better so nothing untoward to say.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Conwy

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

I met Jon about 20 years ago , he was the pension advisor for the company I worked for. On retirement and with an inheritance he was the obvious person to ask for advice , he suggested I invest with a company who also give me a payout each month to top up my income. 4 years on I am really pleased with how the investment is going and so glad I asked his advice . A top guy.

Have you seen the outcome you were hoping for?

It’s going really well and the extra cash each month means I can splash out a little.

How has Jonathan Smith helped you?

Jon gave me really good advice and set the investment up for me , he keeps an eye on what is happening and we have a yearly catch up just to check it’s all on track.

What could they have done better?

I don’t believe he could have done any better and I know if I ever get a problem he will always be there to help and advise.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in London

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

I was a first time buyer looking to purchase a flat in London.

How has Jonathan Smith helped you?

Going through the process of purchasing your first property is always going to be a daunting task, even more so during a pandemic. From start to finish Jonathan helped guide me through all the different stages explaining things in detail and managing my expectations. Having never dealt with a financial adviser before I felt very reassured with Jonathan, he has a very friendly approach and was proactive when it came to communicating with the bank and keeping me in the loop. Overall I was extremely satisfied with his services and would thoroughly recommend Jonathan to anyone seeking financial advise.

Have you seen the outcome you were hoping for?

Very much so! I managed to secure a mortgage that I was after.

What could they have done better?

Not a lot really, being a first time buyer meant there were some limitations to what I was able to afford. Jonathan was pragmatic but helped me remain positive about what mortgages were available for my situation. This helped a lot as in the beginning I was unsure I would be able to secure a mortgage.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

Having recently retired I needed someone to advise me on planning my future finances and tax issues.

How has Jonathan Smith helped you?

Jonathan gave very clear advice and set my mind at rest about what I should do next to achieve my aims. He instilled me with confidence in his advice and was very patient with answering my questions. I never felt pushed and any initial uncertainties were quickly resolved by meetings either directly or by phone/video call (during COVID-19)

Have you seen the outcome you were hoping for?

I am very happy with the actions he suggested and believe I am set on a secure course for my future financial situation.

What could they have done better?

I have no complaints and feel that Jonathan and his team have been extremely helpful for me.

Jonathan's reply

Thank you Christine, I am sure your comments will be very helpful. Thank you for your supportive and kind words.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

In 1992 I was looking for advice on what to do about paying into a Dutch pension as I had just returned from living there for 16 years. I was referred to Jon and my Husband and I have been his clients since then.

How has Jonathan Smith helped you?

By calculating my earnings back in the UK and possible future return by potentially paying two Government pensions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

n/a

Jonathan's reply

Awww Linda, thanks very much for your kind words - you are confirmed as my longest standing\\\11 there should be an award for that :-)

Review from verified client

January, 2021

Overall

Value

Service

Advice

Based in Bedfordshire

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

Previously had some money to invest and most recently planning for retirement.

How has Jonathan Smith helped you?

Presented me with options, also listened to a plan I had in mind and was able to point out potential pitfalls, and provide suggestions to make it better. This was accomplished with just a few phone calls and a Zoom meeting.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing, all bases were covered.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Conwy

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

I had worked for the same company for 15 years and Jonathan was the company IFA so when t came time to take early retirement I sought his advice .

How has Jonathan Smith helped you?

I also had a smaller pension which he suggested amalgamating with my bigger works one and then helped me to claim my 25% and get my remaining money transferred into an enhanced pension (as I am a smoker) so I would get maximum benefit from the funds. I movd and made a profit on my sale which he then suggested I should invest and have a monthly payment from the interest to top up my living costs.

Have you seen the outcome you were hoping for?

We had a chat earlier this month and he arranged for me to take a partial withdrawal from my investment , and to lower the monthly payment withdrawn by £37.00 a month so that my original sum does not fall too low. The investment took a bit of a nose dive in March 2020 due to the covid but has already recovered about 80% so I am very happy that his advice is totally for my best interests.

What could they have done better?

I really don't think he could have done better. His advice is always relevent and I know I can call him any time for additional help if needed.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

Johnathan Smith had been my father-in-law’s financial advisor for many years so when I was coming up for retirement and had several different pensions I decided to seek his advice.

How has Jonathan Smith helped you?

Firstly I had an informal meeting with Jonathan to ascertain the type of pensions I had and discussed the different options available. I gave him permission to approach the pension companies to get all the relevant information. At a second meeting we discussed what I expected from retirement and how best to take my pensions given the many options available. Jonathan was then able to carry out my wishes. After my wife received an inheritance a few years into my retirement we again sought Johnathan's advice and after setting out our options and attitudes to risk he has set up a tax efficient investment which supplements our income. Johnathan continues to advise us on an ongoing basis.

Have you seen the outcome you were hoping for?

Yes Johnathan has always given us sound advice and he has made us aware of our risks. This has been an unusual year but on the whole our investment has performed as we would expect.

What could they have done better?

I can’t think of anything he could have done better. Johnathan lays out our options and risks in language we can understand. We are then able to make informed decisions about our finances. He then implements those decisions. Johnathan is always available and no problem is too small.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

I was looking to buy out someone on a property, a remortgage and I needed general information/advice regarding my finances.

How has Jonathan Smith helped you?

I have always found a lot of these processes overwhelming and to be quite honest scary at times so Jonathan's reassuring manner and patience have made him my go to person when I need any financial advice. He is very welcoming and he put me straight at ease and because of it I felt I could approach all my concerns or questions. He was very thorough in understanding what I want to achieve, he was happy to challenge me and explain the reasons behind it. He has always provided me with plenty of options to choose from based on my circumstances. He helped me at every step of the process, he patiently explained what was required of me, he was very supportive with completing any documentation or questions I had. He was always proactive chasing any third parties and making sure the deadlines we worked towards were being met.

Have you seen the outcome you were hoping for?

Yes, I've been 100% satisfied with the outcome.

What could they have done better?

I would be happy to give constructive feedback and should that arise in the future I will do so. So far I cannot recommend Jonathan highly enough and have done so with every opportunity.

Jonathan's reply

Awwww, you're too kind - always willing to help, however possible

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

I had a private pension that needed to be reinvested

How has Jonathan Smith helped you?

Jonathan gave advise on the many various options after discussing our financial needs.

Have you seen the outcome you were hoping for?

Yes. Even though we are currently going through Brexit, a pandemic, market changes etc. I have seen a steady, small increase in my investment.

What could they have done better?

I believe Jonathan has given excellent advice and service and is always there to answer any questions and queries that I may have.

Jonathan's reply

that's so kind, thank you :-)

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

coming up for retirement and complicated family dynamics so advice about how and what to do was welcome.

How has Jonathan Smith helped you?

Explained all the pension options we had and which circumstances would be affected by our options. inheritance and future planning very important to us therefore helpful to have a full discussion covering all the aspects and our personal situation was reassuring.

Have you seen the outcome you were hoping for?

Yes. Very much so. Despite initial circumstances changing and new calculations and information was required the information and outcome has remained reassuring and clear to understand.

What could they have done better?

Nothing all very good.

Jonathan's reply

Thanks Jacky for your kind words. It's been a pleasure. Am looking forward to continuing to "hold your hand through whatever life throws at you financially". You've got this!!!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

My partner and I are first time buyers seeking a mortgage.

How has Jonathan Smith helped you?

Jon and team helped secure a mortgage offer at the best available rate but more than that, helped explain the process, jargon and requirements throughout.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

I couldn’t have asked for more from Jon and the team!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Hertfordshire

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

I am shortly to retire and needed professional advice.

How has Jonathan Smith helped you?

Jon and his team, in particular Donna, gave sound advice and gave me time to decide on the action to take and dealt with all of the administration with the various pension companies.

Have you seen the outcome you were hoping for?

I have not retired yet so will have to wait until the Spring for the final outcome, but it's all looking good.

What could they have done better?

It's difficult to pinpoint improvements. Everything was dealt with well especially as we had to use conferencing software during the lockdown because of the Covid virus.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

I needed to sort out my pension

How has Jonathan Smith helped you?

Jonathan Smith was extremely helpful, he advised me on my different opinions, his advice was every clear and presented to me in a way which was easy for me to understand. When I had made my decision, all the paper work was arranged for me and I only had to read through the forms and sign

Have you seen the outcome you were hoping for?

Yes, I feel my financial future is relatively secure now

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Northamptonshire

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

Buying our first home

How has Jonathan Smith helped you?

Jonathan was on hand throughout the whole process to advise and guide us through the process of getting a mortgage and also buying the house. Nothing was too much trouble and no question felt too silly to ask!

Have you seen the outcome you were hoping for?

Yep - we have our house

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Cambridgeshire

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

My partner and I were looking to buy a house.

How has Jonathan Smith helped you?

Jon helped us to secure a mortgage offer which worked for us, he explained to us the process as we are first time buyers and he clearly explained the options available to us so that we understood our position.

Have you seen the outcome you were hoping for?

Yes, we secured a very good mortgage offer with little hassle.

What could they have done better?

Jon and his team were superb, they were helpful, informative and nothing was too much trouble. We couldn’t fault them!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bedfordshire

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

With a TUPE transfer to another company due and then possibility of redundancy I needed to know if I could live of my pensions if taken early.

How has Jonathan Smith helped you?

Very much so. TUPE went through in June 2020 and I was made redundant in July 2020. Jon was able to review my finances and suggested various options which I could take.

Have you seen the outcome you were hoping for?

I have. I am taking my pension early and not gone back to work. It is providing all the finances I need to live on. I wish now I had contacted Jon earlier as his expertise would have help both for my pension and savings.

What could they have done better?

I do not think so. Jon was there when we needed him and provided a lot of support during the move to taking my pension early.

First impression from a user who is not yet a client

January, 2019

Overall

Please provide a brief comment about your experience with Jonathan

Good

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

I was reaching retirement age and previous pension pots were dwindling on the financial markets. I knew I had to make changes but was unsure what action to take despite reading all the government literature about the new pension rights.

How has Jonathan Smith helped you?

We were put at ease immediately on our first visit with him. He understood what our aims were and did some research for the best policy for our circumstances. On our second visit he explained his findings and recommendations and gave us time to consider our options. We went ahead with the policy and understand that he will meet with us each year to check that the policy is meeting our expectations.

Have you seen the outcome you were hoping for?

We are very happy with the policy we have chosen as we are able to leave the pension invested until such time as we need to draw on the funds.

What could they have done better?

Nothing, as Jonathan explained everything to us in a way that was easy to understand.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Essex

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

Workplace Pensions, Health Care, Auto Enrolment, Life Cover. Personal finance planning, including mortgages.

How has Jonathan Smith helped you?

Gave advice, sorted the most appropriate plan/policy. Advised on the right provider to meet my circumstances.

Have you seen the outcome you were hoping for?

In the main, yes. Obviously retirement planning is still progressing but is going in the right direction.

What could they have done better?

Nothing particularly.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

Recommended to Jonathan.

How has Jonathan Smith helped you?

In all aspects of my mortgage application.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Cambridgeshire

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

We were first time buyers, looking for mortgage advice and guidance.

How has Jonathan Smith helped you?

Jonathan helped us by going through everything step and step and guiding us with what we could afford for our first house. Furthermore Jonathan guided us on how much our monthly repayments would be in order to make sure it was affordable along with other expenditures each month. Jonathan gave us several options of fixed term mortgages and variable, and explained everything in detail to ensure we got the best deal for us.

Have you seen the outcome you were hoping for?

Yes, we could not have asked for a more helpful and friendly service at a stressful time.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

We are self employed and needed a mortgage.

How has Jonathan Smith helped you?

Jonathan was very informative and helpful, he searched several different companies and found a Building society that would provide us with a mortgage . He understood what we were looking for and explained everything very clearly. He always kept us fully updated with on going events and information.

Have you seen the outcome you were hoping for?

We were very happy with his advice and the product that he found suited our requirements. We were successful in getting our mortgage and I would not hesitate in contacting him again for any services that we may need in the future.

What could they have done better?

We were very happy with all aspects of Jonathon's service.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Bedfordshire

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

I was due to retire and had money in a Stakeholder Pension that I didn't need access to at that time. I therefore needed advice on a safe place to invest this money.

How has Jonathan Smith helped you?

Jonathan took time to explain to myself and my wife, different schemes that would be suitable. He explained the pros and cons of each scheme using language that was easy to understand.

Have you seen the outcome you were hoping for?

I haven't seen any outcome as yet but we have a meeting arranged at the first year point where our progress will be explained.

What could they have done better?

I first used Jonathan's services in 1996 where he gave me advice on leaving the RAF. When I contacted him again with regard to my retirement I found him to be open, constructive and personable. He kept everything spoken about at just the right level.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Looking to remortgage when buying a new house. I used him ten years ago for my original mortgage.

How has Jonathan Smith helped you?

He has helped arrange my mortgage and advised with my finances greatly.

Have you seen the outcome you were hoping for?

I am still in the throes of acquiring my mortgage and financial services.

What could they have done better?

The reason I use Jon is because he explains everything in simple terms so it makes understanding what is being discussed and the choices easier to make.

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Hertfordshire

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

as above.

How has Jonathan Smith helped you?

as above.

Have you seen the outcome you were hoping for?

too early to say.

What could they have done better?

too early to say

Review from verified client

February, 2016

Overall

Advice

Service

Value

Based in Northamptonshire

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

When my nan passed away in 2008 I was the beneficiary to her estate and wanted to make the most of what my nan had left me, to safe guard not only my future but my families also. Myself and my mum were recommended to Jonathan to deal with our finances at this time and ever since we have not looked back! Fast forward to 2015 and sadly I'm going through the same following my mums sudden passing and at such a sad time the last thing I want to worry about is what my finances are doing! With Jonathan in my corner I don't have to either.

How has Jonathan Smith helped you?

Jonathan looked at our circumstances and explained to us, in easy to follow language, what he could do for us and ultimately what our investments could do for us. For mere mortals we need things explianed to us in simple, easy to understand words and Jonathan does this perfectly. When you're dealing with large sums of your hard earned money, you want to feel safe and secure you are doing the best with it and that it is safe, with Jonathan you will never feel any different and be happy with your choices made following the excellent advice and guidance needed. Also my mortgage, Jonathan went above and beyond to find us the best possible deal to make day to day life easier, with a mortgage deal which suits us not the lenders. Indeed he is still and will be for the many years ahead of us, helping and advising us on anything financial related.

Have you seen the outcome you were hoping for?

Oh yes, we have been more than pleased with the fruits of Jonathans labour following his expert guidance. I am sure we will continue to do so for many, many years!.

What could they have done better?

Nothing! Absolutely perfect as he is! Maybe live closer so I can take him for a beer to say thank you.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Bedfordshire

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

Change in legislation and approaching potential semi retirement age.

How has Jonathan Smith helped you?

Searched out options and outlined risks and opportunities in order for me to make an informed decision.

Have you seen the outcome you were hoping for?

Documentation being processed which is managaed by Jonathan and his team.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Jonathan

I was given very sound advice over the telephone and offered an appointment. Due to a change of circumstances I did not take this up but was nonetheless very impressed by the prompt, helpful and polite service that I received.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Bedfordshire

How has Jonathan Smith helped you?

Jon listened to our requirements and produced prompt sound and comprehensive advice. Altogether an excellent service from beginning to end.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Jonathan

Professional clear & concise advise

Review from verified client

January, 2015

Overall

Advice

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Based in Cambridgeshire

How has Jonathan Smith helped you?

Jonathan has a very pleasant, easy manner and will explain things in such a way that you are not baffled by the maths. He is also a good listener, takes in what you say and will tailor his recommendations to suit you and your particular needs as far as possible.

What could they have done better?

I cannot think of anything, for I believe that Jonathan does his best for you, the customer, whilst maintaining patience and a sense of humour.

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Jonathan Smith helped you?

Puts you at ease. Cheerful manner and easy to understand. Tells you like it is.

Review from verified client

January, 2015

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Based in London

How has Jonathan Smith helped you?

Very good advice and research into financial planning, mortgages, remortgages and equity release. Arranging mortgages and remortgages.

Review from verified client

January, 2015

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Based in Warwickshire

How has Jonathan Smith helped you?

I have dealt with Jon for over 20 years during which time he has been of invaluable help in structuring my affairs. He has arranged several non standard financial packages over the years, when others could find no solution, the latest being the conversion of a property into two flats in London, not an easy task in the prevailing mortgage climate. On a personal basis he is honest, reliable and has a knack of presenting complicated scenarios in a an easy to understand format. His advice has always been carefully researched and impartial, and not necessarily what I wanted to hear ! I have no hesitation in recommending him unreservedly.

What could they have done better?

I can't think of anything of importance to suggest.

Review from verified client

January, 2015

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Based in London

How has Jonathan Smith helped you?

I received advice from Jonathan on some complex mortgage and equity release issues that had been dragging on for several years. Subsequently, I was able to resolve all outstanding issues to my complete satisfaction. I found Jonathan to be very competent, direct and no-nonsense. Not only would I have no hesitation in recommending him to others, I am currently taking his advice on my latest projects and investments.

What could they have done better?

I am completely satisfied with the advice and service that I have received.

Review from verified client

January, 2015

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Based in Hertfordshire

How has Jonathan Smith helped you?

Jonathan Smith has helped me with 3 mortgages and he has given me the best possible service. He will explore all possible avenues and will leave no page unturned. If you are looking for the best possible service look no further.

Review from verified client

January, 2015

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Based in Hampshire

How has Jonathan Smith helped you?

It was made clear from the outset that the initial advice was free and that charges would apply as and when we would be investing in equities. I had previously invested in funds but Sterling and Law (S&L)'s advice was more cost effective, both in buying into funds and maintaining investments. We were advised to use Open Ended Investment Companies and Platform Companies, which is proving to be more cost effective and the returns are meeting expectations. We are so pleased with this approach that we are moving our previously invested monies into the funds managed and maintained by S&L. We have also had advice from S&L on pension pots, etc. and have been advised to take courses of action, which benefit us, rather than resulting in S&L benefitting in professional fees. Overall, S&L have given good advice, advising on risk and potential returns, and setting up and managing our equities portfolio, totally to our satisfaction.

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Jonathan Smith helped you?

Jon fully understood my requirements to take out an annuity from my SIPP fund and to transfer the balance to a better performing fund. He spent unlimited time establishing what the best annuity would be for me and arranged the transfer without any problems. He also spent time to establish my attitude to risk before arranging the transfer of my remaining funds to a new SIPP.

Review from verified client

January, 2015

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Based in West Midlands

How has Jonathan Smith helped you?

I found Jonathan gives very honest constructive feedback to any questions and queries I have.

Review from verified client

January, 2015

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Based in Bedfordshire

How has Jonathan Smith helped you?

Easy to talk to and understands my attitude towards risk and both current and future aspirations.

Review from verified client

January, 2015

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Based in Hertfordshire

How has Jonathan Smith helped you?

Jon takes the time to truly understand your needs before offering financial planning solutions. Right from the first consultation he was clear that he was offering a continuing service (i.e. not a 'one-time fix), which suited us well. He also took the time to explain investments to our daughter who we had set up a Trust fund for.

What could they have done better?

We had consulted other IFA's and chose Jon because he was most aligned with our needs. So far there is no reason to doubt that was entirely the right decision.

Review from verified client

January, 2015

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Based in Bedfordshire

How has Jonathan Smith helped you?

We were very pleased with the advice we received, always a welcome, as regards quality of service - superb, we were impressed; excellent value for nothing too much trouble - brilliant all round, would not go anywhere else for financial advice

Review from verified client

January, 2015

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Based in Cleveland

How has Jonathan Smith helped you?

Jon is very friendly and most helpful. He is always at the other end of the phone to give help and advise. So far his advice has been of benefit to us in managing our finances and investments. He always has his eye out for anything more beneficial to us. He has also taken away the worry and hassle of arranging a mortgage for us.

Review from verified client

January, 2015

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Based in Hertfordshire

How has Jonathan Smith helped you?

Jon is approachable, professional, easy to talk to and extremely knowledgeable. Nothing is too much trouble and he is extremely customer orientated. He is always on hand for advice and always happy to assist. He acts with integrity and is always willing to go the extra mile to ensure complete understanding. A good quality adviser will let you know when you are about to take an unjustifiable risk. Jon will always stick to advice given and does not provide lip service in order to please. I would highly recommend Sterling & Law and cannot praise them enough for taking care of my portfolio and increasing my success. If you are looking for straight talking good quality advice, at a reasonable cost, in a friendly and welcoming company than Jonathan Smith is the without doubt who you are looking for. I know that my finances are in good hands and I foresee a lifelong relationship with this adviser and indeed his company. After several bad experiences, I know a good adviser when I meet one.

What could they have done better?

Nothing - However, this adviser would do well to act as a mentor for other FA's and help raise the bar for those who get is so very wrong.

Review from verified client

January, 2015

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Based in Bedfordshire

How has Jonathan Smith helped you?

When my father passed away, my mother and I really didn't know who to turn to for financial advice, but fortunately Jonathan was recommended to us. He has always been very reliable. Always thorough, and provides clear explanations. However busy he is, he always finds time to listen, to understand the situation, and has offered sound advice to both my mother and latterly to me. I also have great confidence in his team - if Jonathan is busy and I leave a message with a colleague, I know that it will be passed on to him. Yes, I would highly recommend Jonathan Smith and his team.

Review from verified client

January, 2015

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Based in Bedfordshire

How has Jonathan Smith helped you?

Jonathan visits on a regular basis; he is approachable, listens and always explains the products and is happy to go over them again until I fully understand them; he is professional and quick to return my calls; his knowledge is good and he keeps up to date with what is happening and adjusts my portfolio accordingly. I have every confidence that he has my best interests at heart.

Review from verified client

January, 2015

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Based in Hertfordshire

How has Jonathan Smith helped you?

Jon takes time to understand exactly what your requirements are both in the short and long term and uses his knowledge and expertise to ensure that the guidance he provides is relevant and appropriate. Having used his services for many years he understands immediately what changes or approach needs to be taken when I ask for advise and is always ready to offer his opinion as to the right approach even when that may be do nothing. Definitely a 'trusted adviser'..

What could they have done better?

Nothing that I am aware of.

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Jonathan Smith helped you?

He explains matters in plain English, selects product well, responds to enquiries promptly, commits to review meetings when I want them and has generally dispelled in my mind a lot of the negative myths that perpetuate about this profession

What could they have done better?

Anticipate journey times...

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Jonathan Smith helped you?

Very easy to talk to and is understanding of personal circumstances. Advise was tailored to my lack of knowledge of all things financial and was easy to follow.

Review from verified client

January, 2015

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Based in Cambridgeshire

How has Jonathan Smith helped you?

Mr. Smith helped us applied mortgage and gave us finiacial advices, make us benifit a lot, especially we came from a Asia country, and we lacked of lots of basic understanding of UK system, Mr. Smith always explained to us with huge patience and kindness, which are highly apperiated by my family and my friends.

What could they have done better?

I think he is doing excellent job, I do not know how to do better.

Review from verified client

January, 2015

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Based in Bedfordshire

How has Jonathan Smith helped you?

Professional & friendly, it becomes obvious that he has a genuine interest in helping the client. As the financial world changes rapidly, especially pensions, Jon had always been available with up to date information & constructive advice. I have referred friends & clients to Jon & they all, without exception, sing his praises.

What could they have done better?

Timekeeping!

Review from verified client

January, 2015

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Based in Hertfordshire

How has Jonathan Smith helped you?

Understood my ignorance of the subject completely. Talked to me rather than at me and explained everything fully and in terms even I could understand. Following the advice I was given, I was 100% satisfied. Extremely friendly environment down to the coffee. Highly recommended.

What could they have done better?

Keep doing what you are doing!!

Review from verified client

January, 2015

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Based in Norfolk

How has Jonathan Smith helped you?

I find Jon very easy to talk to and he understands my needs. He is always willing to go the extra mile to make sure I understand exactly what is on offer to me. He never tells me what to go for he always makes sure it is my choice after having given me all the options. I value Jon not just as my advisor but as a friend too.