Jonathan Smith

Review from verified client

October, 2024

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

The passing of my parents

How has Jonathan Smith helped you?

He has helped to take care of my finances and point me in the right direction as I have not got a clue

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Absolutely not

Review from verified client

October, 2024

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

My wife and I needed to plan our financial affairs so that they would be easier for us to manage and as well give some thought to IHT planning for the future

How has Jonathan Smith helped you?

Jonathan has quickly understood our our situation and family dynamics, and although he has only been working with us for a short while has produced a plan that looks as though it should simplify matters, address IHT matters and possibly more than pay for itself.

Have you seen the outcome you were hoping for?

The plan has only recently been delivered and much depends upon the forthcoming Budget. But, more generally, our expectations have been met.

What could they have done better?

The PFP has been good in terms of secure messaging and as an information portal, but as my wife and I share our finances it could usefully have functionality whereby dual access was facilitated

Jonathan's reply

Thank you for taking the time to leave a review of our services. We look forward to helping you and Ali with the efficiency and simplification of your finances. Whilst I've only known you for a short while, it seems that you've been client's for ages. We look forward to a long lasting relationship.

First impression from a user who is not yet a client

August, 2024

Please provide a brief comment about your experience with Jonathan

Jonathan was recommended to me by a friend who is a current client of his and is so impressed with how he has helped him with his finances. Jonathan was so helpful and reassuring to me, he answered all my questions and gave me so much more information than I could have hoped for. I will certainly recommend him to others who are looking for a financial advisor.

Jonathan's reply

Thank you Sharon for your kind words and for taking the time to leave a review of our services. I'm glad that we were able to add value in helping you make positive decisions with your retirement planning, which can be a maze of technical data. We look forward to being to help again, in the future.

Review from verified client

August, 2024

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

Savings inheritance that needed managing for a comfortable retirement

How has Jonathan Smith helped you?

He has given confidence and security in the management of our finances

Have you seen the outcome you were hoping for?

Yes. They exceeded expectations

What could they have done better?

Nothing

Jonathan's reply

Thanks for your kind words Viv and for taking the time to leave a review. It's very comforting to know that we are adding value to your financial planning. It gives us a very warm feeling that you would be a "Passionate advocate" for us! We look forward to continuing the journey with you both for many years to come

Review from verified client

July, 2024

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

We needed a financial adviser as attorney for my mum and Jonathan was recommended by a friend.

How has Jonathan Smith helped you?

Jonathan gave clear advice and direction in investing and savings to ensure mum's assets will be able to finance her care for as long as possible.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, finances are progressing as predicted.

Jonathan's reply

Tracy, thank you for taking time to review our services. I'm grateful for you entrusting us to help you achieve what you wanted for your Mother's finances. It has been our pleasure to help and we look forward to continuing our relationship for many years to come. We rely on the word of mouth recommendations from existing clients, to help new clients make decisions on who to use to help them with their financial planning. Your review will be helpful to others. Thank you.

Review from verified client

July, 2024

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

We needed a financial advisor and have been working with Jonathan for over 20 years.

How has Jonathan Smith helped you?

Jonathan is incredibly knowledgeable and always well informed about our matters. He is responsive, proactive and provides well thought-out, pragmatic advice. He is a pleasure to work with.

Have you seen the outcome you were hoping for?

Yes

Jonathan's reply

Thank you for your kind words. Where have the last 20 odd years gone!! It's been so enjoyable working with you and helping you steer through life's financial challenges. You and Nicholas should be immensely proud of what you have achieved and the strong financial position you are now both in. It's been a pleasure helping you achieve the goals you have set yourselves - you really can do what you want, when you want!!

Review from verified client

April, 2024

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

Natural progression from being recommended many years ago by my accountants to running any financial decisions past Jon as a matter of course.

How has Jonathan Smith helped you?

Years of straight forward no nonsense advice on mortgages and finance.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Very little I believe.

Jonathan's reply

Thanks for your kind words Dave. I can't believe that I/we've been helping you for more than 25 years. Am so pleased that we can continue to add value to the conundrum that is personal finance!!

First impression from a user who is not yet a client

April, 2024

Please provide a brief comment about your experience with Jonathan

Please note that the meeting was held with his colleague Simon Jackson and all my scores relate to him.

Jonathan's reply

Thanks for taking the time to leave a first impression review, following your meeting with Simon. We rely very heavily on prospective client's opinions. We look forward to working with you to help you achieve your financial goals.

Review from verified client

February, 2024

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

Becoming Attoney for my mother

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.

Have you seen the outcome you were hoping for?

Yes

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

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.

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.

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.

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

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.

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.

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.

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

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

Needed advice on investing money

How has Jonathan Smith helped you?

Invested my money which allows me a regular income

Have you seen the outcome you were hoping for?

Yes

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

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

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Too early to say 100% but I hope so.

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

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

Mortgage and pension advice.

How has Jonathan Smith helped you?

Facilitating the combination of numerous pensions into one pension pot.

Have you seen the outcome you were hoping for?

Absolutely, yes

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

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

Retirement

How has Jonathan Smith helped you?

Jon gives good impartial advice.

Have you seen the outcome you were hoping for?

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

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

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.

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes.

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

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

Needed advice on investing proceeds of my pension

How has Jonathan Smith 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

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

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

How has Jonathan Smith helped you?

He has advised me for many years.

Have you seen the outcome you were hoping for?

Yes

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

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.

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 .

Have you seen the outcome you were hoping for?

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

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

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.

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.

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.

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

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

The best options for investment and to plan for retiment.

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes

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

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

Six monthly monitoring of investment.

How has Jonathan Smith helped you?

Yes. Proportionate advice given .

Have you seen the outcome you were hoping for?

Yes

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

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

Inheritance tax guidance

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.

Have you seen the outcome you were hoping for?

Yes

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

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

Separation from my wife and need to change pension provider

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

the outcome exceeded what I had been hoping for.

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

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

Needed advice on investments

How has Jonathan Smith helped you?

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

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.

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

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

A family inheritance and approaching retirement.

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.

Have you seen the outcome you were hoping for?

Yes indeed.

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

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

Approaching retirememt I was advised to seek advice.

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.

Have you seen the outcome you were hoping for?

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

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

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

1nheritance

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Absolutely

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

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

Inheritance

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes

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

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.

How has Jonathan Smith helped you?

Over 5 years now.

Have you seen the outcome you were hoping for?

We have, very much appreciated.

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

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

How has Jonathan Smith helped you?

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

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

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

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

Mortgage advice and financial planning.

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes

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

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

Retirement planning

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.

Have you seen the outcome you were hoping for?

Yes

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

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

Confusion about multiple pensions and the best way forward.

How has Jonathan Smith helped you?

By understanding my needs and offering sound advice

Have you seen the outcome you were hoping for?

Absolutely

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

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

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

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

Pensions and additional income that required investing somewhere other than property

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.

Have you seen the outcome you were hoping for?

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

Review from verified client

February, 2023

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.

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.

Have you seen the outcome you were hoping for?

Yes completely.

What could they have done better?

Nothing, we were completely satisfied.

Review from verified client

January, 2023

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.

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.

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.

What could they have done better?

All satisfactory.

Review from verified client

January, 2023

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

Planning future investments

How has Jonathan Smith helped you?

Advising what and how to invest.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2023

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

Need to look to optimise savings and pensions

How has Jonathan Smith helped you?

Friendly clear and patient with advice

Have you seen the outcome you were hoping for?

Ongoing process

Review from verified client

January, 2023

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

The need for financial advice after receiving an inheritance.

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes.

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

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

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing

Review from verified client

January, 2023

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

Inheritance

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.

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 .

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

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

I inherited monies from family members

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.

Have you seen the outcome you were hoping for?

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

What could they have done better?

N/A

Review from verified client

December, 2022

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.

How has Jonathan Smith helped you?

Advised on investments and helped to amalgamate my pensions.

Have you seen the outcome you were hoping for?

We think it has been ok.

What could they have done better?

Do not know.

Review from verified client

November, 2022

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

Sold business

How has Jonathan Smith helped you?

Helped with investment portfolio and maximising pension

Have you seen the outcome you were hoping for?

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

What could they have done better?

Nothing, he has always responded promptly with all enquiries.

Review from verified client

November, 2022

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

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

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes, all went very smoothly.

What could they have done better?

It could have been cheaper.

Review from verified client

November, 2022

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.

How has Jonathan Smith helped you?

Offering up solid financial advice.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing springs to mind.

Review from verified client

November, 2022

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

We were over the inheritance tax limit

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.

Have you seen the outcome you were hoping for?

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

What could they have done better?

They could not really have done better.

Review from verified client

November, 2022

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.

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.

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.

What could they have done better?

Nothing, all good.

Review from verified client

November, 2022

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

Need to invest for the future.

How has Jonathan Smith helped you?

Definitely

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

October, 2022

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

Family recommendation for mortgage application.

How has Jonathan Smith helped you?

Very helpful advice, got me the best deal available.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

Review from verified client

October, 2022

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

Advice on the transfer of pension funds

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

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

Review from verified client

October, 2022

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.

How has Jonathan Smith helped you?

Expert knowledge of our circumstances and risk profile.

Have you seen the outcome you were hoping for?

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

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

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

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

Impending retirement

How has Jonathan Smith helped you?

Advice and managing drawdown fund

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

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

Review from verified client

August, 2022

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

Needed advice for retirement investments and planning.

How has Jonathan Smith helped you?

Advised on all financial matters.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

August, 2022

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

Deciding where to invest my retirement lump sum

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I am aware of.

Review from verified client

August, 2022

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.

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.

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.

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

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

I received an inheritance and wanted advice

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all

Review from verified client

July, 2022

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.

How has Jonathan Smith helped you?

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

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.

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

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

To manage investments to help get the best returns.

How has Jonathan Smith helped you?

To give us the confidence to retire early.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

July, 2022

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

Retirement

How has Jonathan Smith helped you?

Very good understandable advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can’t think of anything

Review from verified client

July, 2022

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.

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Yes, slow and steady progress.

What could they have done better?

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

Review from verified client

July, 2022

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

Needed expert advice

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Certainly

Review from verified client

July, 2022

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.

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.

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.

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

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

A need to make investments to receive an 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

Have you seen the outcome you were hoping for?

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

Review from verified client

July, 2022

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.

How has Jonathan Smith helped you?

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

Have you seen the outcome you were hoping for?

Absolutely!

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

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.

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.

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.

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

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

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