Jonathan Smith

Please provide a brief comment about your experience with Jonathan

Super helpful. Excellent

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

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

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.

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

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.

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

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.

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.

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!

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.

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.

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

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!

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.

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.

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.

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

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

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.

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.

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

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.

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.

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.

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.

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.

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!

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

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

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.

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

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

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

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

Please provide a brief comment about your experience with Jonathan

The rating says it all

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.

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

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.

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.

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

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

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.

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

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 .

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

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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

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.

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.

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.

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

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.

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

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

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.

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

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.

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

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.

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.

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.

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.

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

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.