Reviewed for

Insurance and Protection ( 3 )

Pensions ( 20 )

Retirement income (annuities, drawdown) ( 4 )

Investments and Savings ( 17 )

Pension Transfers - Non Specialist ( 3 )

Inheritance Planning ( 2 )

Long Term Care ( 2 )

Pension Transfers - Specialist ( 2 )

Financial Planning ( 9 )

Financial Coaching ( 1 )

Reviewers' assets

£500k+ ( 1 )

£200k - £500k ( 2 )

£100k - £200k ( 2 )

Up to £50k ( 6 )

£50k - 100k ( 2 )

( 2 )

Client reviews

Review from verified client

July, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

We were looking at our combined pensions and we needed professional advice/guidance.

How has Luke Smulders helped you?

Luke did an amazing job, he took away some facts and figures and permissions to speak to our pension holders. He returned with a cash flow modeller along with his recommendations which we took.

Have you seen the outcome you were hoping for?

Yes we have.

What could they have done better?

There was nothing he could have done better. I would have no hesitation in contacting him for any other financial issues in the future.

Luke's reply

Thank you so much for leaving your review and feedback!

Review from verified client

June, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

I have had Azim Isa as my adviser for many years, and now with Luke taking over has been a smooth transition

How has Luke Smulders helped you?

Luke is very approachable and knowledgeable to help guide us on the best financial benefits for me and my family

Have you seen the outcome you were hoping for?

Yes

Luke's reply

Thank you for you review!

Review from verified client

June, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

I needed professional advice regarding pensions

How has Luke Smulders helped you?

Very professional and caring and understanding took me through the process step by step so that I could understand. Excellent service if you require a financial advisor I would recommend Luke.

Have you seen the outcome you were hoping for?

Yes he told me not to panic and my pension pot has increased.

What could they have done better?

Always gets back in touch ASAP. Excellent service. What could they have done better nothing

Luke's reply

Thank you, David. Your kind words mean a lot!

Review from verified client

June, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I needed to get advice on a pensions

How has Luke Smulders helped you?

Luke was very helpful and full of knowledge regarding pensions

Have you seen the outcome you were hoping for?

yes I have come away feeling that I know a lot more about pensions.

What could they have done better?

nothing

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

I wanted advice after inheriting a large estate and business. The circumstances were unexpected and due to my lack of experience and already high I needed guidance on handling my whole situation. As the situation was quite complicated I need an advisor with a good knowledge of every aspect ( inheritance, business/ corporate planning and personal pensions and tax )

How has Luke Smulders helped you?

Luke has helps me massively in the whole process explaining how I can I reduce my own income tax and helped me understand mine and my family’s business situation now and in the future. He has also put me in contact with a local solicitor and accountant that he has personally contacted for me that helped speed everything up instead of me dealing with different people.

Have you seen the outcome you were hoping for?

Yes I have seen the results of a holistic financial planner who understands and has helped me and my family understand where we are and what our future might look like. Luke has also put in measures to help make thing easier for my pensions and the business to pass down to my children and have spoken to them about their own retirement & financial situation.

What could they have done better?

Luke was absolutely fabulous

Luke's reply

Thank you so much for taking time to leave a review!

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I have built up a number of pensions through working at different companies and wanted to consolidate and simplify so I have a better understanding of where my finances sit

How has Luke Smulders helped you?

He has helped me re-evaluate my finances and workout where I can make changes which will have an impact on my overall financial objectives

Have you seen the outcome you were hoping for?

I feel more comfortable with my financial position now as its easier to see how my portfolio is performing and have one cohesive investment strategy

Luke's reply

Thank so much for taking time out of your day to leave me some lovely feedback!

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Bedfordshire

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

Transfer of a pension

How has Luke Smulders helped you?

My pension transfer was very seamless, and my investment has grown, in a very unpredictable market.

Have you seen the outcome you were hoping for?

My pension is now growing, although it did decrease at some point in the year, I am on track and in 12 months it has increased above the rate of inflation.

What could they have done better?

N/A

Luke's reply

Lovely to see you for our annual review, and thank you for taking time to offer feedback on our work together so far.

Review from verified client

May, 2024

Overall

Advice

Service

Value

Based in Northamptonshire

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

We had a number of pension pots with different company's, we needed to seek some advice about putting them all in one place. We wanted to invest in a these pensions to give us the retirement we have planned for.

How has Luke Smulders helped you?

Yes we are delighted with the advice and service Luke has provided so far, he very quickly understood our requirements and put together a plan we understood. Luke is courteous and helpful and always available, and I would have no hesitation in recommending him to friends and family.

Have you seen the outcome you were hoping for?

Yes the funds have grown in line in line with our expectations

What could they have done better?

Nothing - all good

Luke's reply

Thank you for your review!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Luke is a very welcoming, friendly, warm and knowledgeable professional, who has worked with integrity to provide me with sound investment and pension advice. It's refreshing to work with a Financial Advisor with a common sense approach, and who takes the time to understand a clients needs and is able to explain things in layman's terms. I'm more than happy to recommend your services at every opportunity. Paulo

How has Luke Smulders helped you?

Luke is a very welcoming, friendly, warm and knowledgeable professional, who has worked with integrity to provide me with sound investment and pension advice. It's refreshing to work with a Financial Advisor with a common sense approach, and who takes the time to understand a clients needs and is able to explain things in layman's terms. I'm more than happy to recommend your services at every opportunity. Paulo

Have you seen the outcome you were hoping for?

Luke is a very welcoming, friendly, warm and knowledgeable professional, who has worked with integrity to provide me with sound investment and pension advice. It's refreshing to work with a Financial Advisor with a common sense approach, and who takes the time to understand a clients needs and is able to explain things in layman's terms. I'm more than happy to recommend your services at every opportunity. Paulo

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Banks were totally unhelpful hencecthe need for help elsewhere.

How has Luke Smulders helped you?

Very much so.

Have you seen the outcome you were hoping for?

Early days yet but his advice and predictions have begun to materialise.

What could they have done better?

I doubt very much if anything at all.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I never look forward to talking about money but Luke made this process pain-free and clear. He made everything make sense and I feel confident in the decisions I am making moving forward

How has Luke Smulders helped you?

I never look forward to talking about money but Luke made this process pain-free and clear. He made everything make sense and I feel confident in the decisions I am making moving forward

Have you seen the outcome you were hoping for?

I never look forward to talking about money but Luke made this process pain-free and clear. He made everything make sense and I feel confident in the decisions I am making moving forward

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

I am delighted with the advice and service Luke has provided so far. It's comforting and reassuring to be able to work with with an IFA who has the clients best interests at heart, and takes the time and effort to explain things in layman's terms. His professionalism and dedication is obvious to see . . . he is courteous and helpful and always available, and I would have no hesitation in recommending him to friends and family.

How has Luke Smulders helped you?

I am delighted with the advice and service Luke has provided so far. It's comforting and reassuring to be able to work with with an IFA who has the clients best interests at heart, and takes the time and effort to explain things in layman's terms. His professionalism and dedication is obvious to see . . . he is courteous and helpful and always available, and I would have no hesitation in recommending him to friends and family.

Have you seen the outcome you were hoping for?

I am delighted with the advice and service Luke has provided so far. It's comforting and reassuring to be able to work with with an IFA who has the clients best interests at heart, and takes the time and effort to explain things in layman's terms. His professionalism and dedication is obvious to see . . . he is courteous and helpful and always available, and I would have no hesitation in recommending him to friends and family.

First impression from a user who is not yet a client

February, 2023

Overall

Please provide a brief comment about your experience with Luke

Luke was extremely knowledgeable and we are looking forward to seeking his expertise in the future

First impression from a user who is not yet a client

February, 2023

Overall

Please provide a brief comment about your experience with Luke

Luke was very welcoming on arrival. We were guided through the process of what Luke does and how he could help us. We were well informed and answered all our questions.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Northamptonshire

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

I want to make sure that I don't have to worry about money when I'm retiring

How has Luke Smulders helped you?

Luke has explained very patiently what my options are and has taken time to answer all my questions.

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

January, 2023

Overall

Please provide a brief comment about your experience with Luke

Clear concise friendly and professional, and knowledgeable.

First impression from a user who is not yet a client

January, 2023

Overall

Please provide a brief comment about your experience with Luke

Luke was very thorough in his approach and made the process easy and relatable. He was very professional and clearly an expert in this field. Would highly recommend for anyone starting in pensions or wanting to switch providers.

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?

Lump sum to invest

How has Luke Smulders helped you?

Recommended (hopefully) best product to achieve end result

Have you seen the outcome you were hoping for?

Too early to say

What could they have done better?

Nothing at the moment - no results yet to refer to

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?

Sold a house a lump sum to invest

How has Luke Smulders helped you?

Finding us a good investment platform

Have you seen the outcome you were hoping for?

Only just started

First impression from a user who is not yet a client

January, 2023

Overall

Please provide a brief comment about your experience with Luke

We had an initial ‘kick off’ meeting with Luke to discuss pensions, we found Luke to be very knowledgeable and informative, we look forward to our next meeting

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 needed to access some off my pension and reinvest the rest

How has Luke Smulders helped you?

Luke was very helpful in all my pension needs

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Luke

It was a good experience, he explained what pensions are about very well and all the changes they’ve made to them and have me some good idea as what to do going forward, so very satisfying.

First impression from a user who is not yet a client

December, 2022

Overall

Please provide a brief comment about your experience with Luke

A great introduction to better financial management and get impression Luke will be a great adviser to have on our financial journey ahead.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

To help me merger several pensions I had into a single pension that would work best for me.

How has Luke Smulders helped you?

yes

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing that I can think of

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Hertfordshire

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

Needed advice on my 3 small pensions

How has Luke Smulders helped you?

With that advice and action taken

Have you seen the outcome you were hoping for?

Hopefully

What could they have done better?

Nothing really

First impression from a user who is not yet a client

November, 2022

Overall

Please provide a brief comment about your experience with Luke

Luke explained how pensions works and what he can do for me. He was very patient answering my questions and explained everything well.

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?

To seek advice for work pensions that are maturing.

How has Luke Smulders helped you?

By providing easy to understand advice in a friendly, and professional manner. He was able to explain things in layman’s terms and was happy to talk about my investments, queries or concerns at all times, which for me (as no doubt is the case for many people) was a huge benefit.

Have you seen the outcome you were hoping for?

Investments only just made, so too early to give any feedback on this one.

What could they have done better?

No, I feel confident that my retirement and investment funds are in good hands.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Switching and withdrawing part of my pension and investing the rest in another portfolio.

How has Luke Smulders helped you?

Talked through all my options and provided excellent advice and a solution to invest the balance of my pension pot.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Very happy with the service I have received.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Received redundancy payment and wanted long term investment options

How has Luke Smulders helped you?

Luke has helped with assessing my ability to sort how much I can comfortably put away and work out what type of investor I am.

Have you seen the outcome you were hoping for?

Only just about to invest so hopefully I will see a good outcome

What could they have done better?

I can't think of anything as he was so good at explaining everything

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?

Taking control of elderly mothers finances meant advice needed

How has Luke Smulders helped you?

Definitely. Put together plan of action that suits perfectly.

Have you seen the outcome you were hoping for?

Not yet as recently started.

What could they have done better?

Probably nothing. Fully explained and took account of both our needs

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

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

i had a sum of money that i had no reason to want to use or access for a number of years and wanted to 'save' it however a traditional savings account did not make sense for my circumstances

How has Luke Smulders helped you?

Luke helped outline the options i had in terms of investing my money in the best way possible

Have you seen the outcome you were hoping for?

as of yet i have not checked as i trust in luke's knowhow in terms of investing my money carefully

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

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

Downsized home which released equity to be invested for future income

How has Luke Smulders helped you?

Luke spoke to me about my requirements and expectations. He then presented a plan of how I could invest the money. Luke explained the processes and answered all my queries.

Have you seen the outcome you were hoping for?

The plan is now being implemented

What could they have done better?

NA

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Wanted to start a pension

How has Luke Smulders helped you?

Made everything easy to understand

Have you seen the outcome you were hoping for?

I would say I got more than I thought thanks to luke

What could they have done better?

I can’t think of anything

Luke's reply

Thank you for taking time to leave this review.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Essex

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

We were looking to invest with minimum risk some funds on a medium / long term basis with a view to earning a better rate of interest than high Street banks were offering.

How has Luke Smulders helped you?

Luke initially discussed a way forward via a telephone call when he enquired as to our financial circumstances which gave us time to do some research of our own. He then followed up with a home visit and went through the necessary paperwork explaining as he went.

Have you seen the outcome you were hoping for?

Not yet as application still in progress

What could they have done better?

N/A

Luke's reply

Thank you for taking time to leave this.

First impression from a user who is not yet a client

June, 2022

Overall

Please provide a brief comment about your experience with Luke

Luke is very knowledgeable and professional. I’m confident that he provided me with the best advice for my situation.

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Bedfordshire

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

Not understanding pensions properly and wanting advice on the best way forward

How has Luke Smulders helped you?

Extremely professional there was no pressure and took the time to explain it all, walked away feeling confident with his advise and would highly recommend

Have you seen the outcome you were hoping for?

Have only recently invested into the pensions but am very confident of him

What could they have done better?

Nothing was very happy with the service

Luke's reply

Thanks Paul, I really appreciate you taking time to leave this.

First impression from a user who is not yet a client

May, 2022

Overall

Please provide a brief comment about your experience with Luke

Luke was amazing from start to finish. He really gave clear advice to me and my family when looking at setting up our ISA and Junior ISA for our daughter. In an often confusing industry, it's great to get advice from someone who really makes it digestible to a not so finance savvy guy like me. 5-star service.

Luke's reply

Thank you for taking time to leave a review.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

Help with my pensions.

How has Luke Smulders helped you?

With pensions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing - happy with everything.

Luke's reply

Thank you for taking time to leave a review.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Buckinghamshire

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

I had inherited funds and was looking to invest these to get a better return for my money.

How has Luke Smulders helped you?

Luke was brilliant! We had a few meetings in which he really explained all my options to me and have great advise based on the results of my questionnaire outcome.

Have you seen the outcome you were hoping for?

Yes, he’s kept me in the loop in regard to my investment.

What could they have done better?

I honestly feel he couldn’t have done anything more for me. I had minimal knowledge in regards to investment and he explained everything so well I feel I have a good understanding. He made the whole experience very easy and made me very comfortable throughout our conversations.