Based in Pembrokeshire, Luke provides wealth management advice and financial planning services to clients across West, South and Mid Wales.

A self-confessed pensions nerd, his deep technical knowledge of and interest in pensions and retirement planning sets him apart from other advisers and planners in the area. He has 11 years’ experience in financial services, having worked for a large bank, as well as working with various independent firms. As a consequence, he has wide ranging and varied experience to build on his technical knowledge, which in turn enhances the service and skills that his clients benefit from.

Having proudly accepted the invitation to join St. James's Place as an Associate Partner Practice, his advanced knowledge in the areas of pensions and financial planning will complement and enhance his provision of advice covering the areas of investment planning, inheritance tax planning, retirement planning and mortgages, particularly as he continues to work and study towards Chartered status.

Luke enjoys attending, hosting and organising networking events throughout the county, which stems from his desire to meet new people and to hear new insights and points of view. He is also interested in meeting people who offer other services which may be of interest to his growing and varied client base, as a way of creating additional value for his clients.

A significant part of Luke’s client base has been built through introductions, both from long term and trusted connections, as well as from existing satisfied clients who are keen for their family and friends to benefit from his expertise.

Outside of his business, Luke has a keen interest in cycling and barefoot running, and is looking forward to taking part in endurance running and cycling events throughout the year.

Lifestyle financial planning at Altus Financial centres around the principle of beginning with the end in mind. In different ways and with different levels of resources, we are all planning for retirement, the longest and greatest holiday of our lives. You could just hope that everything turns out fine, and live your retirement lifestyle according to what you have managed to accrue. However, we would prefer to understand what you would most want to do, what sort of lifestyle you would want at that time of life, and then guide you so that you can fund that lifestyle.

We will help you to know how much you will need to fund this future lifestyle, and to understand where your current holdings (or lack thereof) are helping you towards your goal, or holding you back. Your financial plan then completes the circle, by guiding you in what to do between now and then, to get you to where you want to go. It is clearly important that we review this plan regularly, as your own plans and circumstances change, but also as legislation, taxation and planning opportunities change.

This strategic approach helps to ensure that the full range of our expertise, knowledge and sophisticated products are utilised in the most appropriate way for your individual circumstances, and therefore maximises the value of these to you.

We will agree how often we meet to review your plan, how and how often you would like communications from us, and the level of detail you would prefer to receive.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of a pension with St. James's Place will be directly linked to performance of the funds you select and the value can therefore go down as well as up. You may get back less than the you invested.