|We are constantly being told that the single biggest challenge people face when they first look to take financial advice is finding a trustworthy & professional independent financial adviser
For this reason our website’s home page details the many comments we have received from our clients on their individual experiences of using our services, over many years.
We would encourage you to read these comments before clicking of the following links to ascertain whether our bespoke & individual financial planning service would be of benefit to you:
Click here for details of our Lifetime Financial Planning Service
Click here for details of the other specific services we provide
Below are comments from some of our clients on their experience of using our services:
Ever since the first meeting Paul Smith has provided sound, yet friendly professional advice on a variety of financial matters. He had our interests completely at heart at all times. We now genuinely trust and appreciate his professional expertise. Paul has a very welcoming and efficient manner which, in our experience, is very rare to find. He does truly offer a first class service on all aspects of financial planning. We are more than happy to recommend Paul to anyone that needs excellent comprehensive advice and have done so on numerous occasions.
Paul Carter – Stoneygate, Leicester
I first used Paul (Provident Solutions) and his Services from necessity a few years ago now and I can honestly say it was the best day’s work ever – I walked away from his offices with complete peace of mind and it continues to this day. Very professional, caring and of course keeps a good eye on my finances, can’t ask for anything more.
Margaret Rayner - Stoney Stanton, Leicester
In life, trust is everything, more so when it comes to money. I have worked closely with Paul for over a decade and from the first minute I met him I was reassured by his calm, intelligent, diligent and professional approach. I trust Paul unconditionally as he has never failed me and I very much look forward to working with him long into the future. Thanks for everything again Paul!
Syed Rahman. Proprietor of Cuisine of India and Chef and Spice restaurants – Leicester
Paul is a very knowledgeable and conscientious adviser on providing investment portfolios for myself, my wife and my daughter. We have been using Paul for over five years and have found his recommendations to be first-class'. Paul builds our portfolios around our requirements and visits my home on a quarterly basis to discuss any changes that may be necessary due to market conditions. Paul also gives tax advice and monitors my wife's self invested pension portfolio. I would have no hesitation in recommending Paul as a sincere genuine and knowledgeable IFA.
Alan Fricker - Newtown Linford, Leicestershire
I have been in use of Paul's services for over 10 years now and would highly recommend him. Paul has consistently been available when needed and often at short notice, through periods of change or uncertainty. He is not only very knowledgeable but is calm and methodical in his approach.
Craig Hanford – Market Harborough, Leicestershire
Having just retired and sold a business - my wife & I needed to get the best advice we could on the structure of our finances, making plans for future income and the protection of funds in the wake of the banking crisis. We were grossly dissatisfied with the advice we had received from our former auditors and financial advisers. We were also dissatisfied with the advice given by our bankers - which we felt was more orientated to their interests than ours. It was very refreshing to meet Paul and take his advice. We feel that our financial affairs are in excellent hands and we have the confidence that he has thoroughly researched our needs and produced a structure that gives us a tax efficient income and protects our capital. We have no hesitation in recommending Paul as a financial advisor.
Stuart Rowland - Leicester
I have known Paul Smith of Provident Solutions for a number of years as a fellow member of our golf club, where he is highly respected for providing excellent professional financial services. At eighty six years, I realised that my portfolio of shares, savings, investments & tax management was beyond my ability. Paul accepted my request to manage all my financial affairs. All the business was conducted at my home at my convenience. We discussed every aspect of my accounts, he always considered my views. Paul set the ‘objective’ to reduce all the sources into four accounts, which was ideal for me. He promptly set to work. There were many different challenges. Through persistent attention to my affairs including a Will, the task was completed in a few weeks entirely to my satisfaction and relief. Paul has a characteristic passion to provide an excellent service. I can confidently recommend him for all financial services.
Norman Atkins - Oadby, Leicester
My wife & I have been delighted with the service provided by Paul at Provident Solutions, since selecting him to be our third financial adviser in 2006. Our previous two were with larger companies of independent advisers sharing administrative and reception costs. This wasn’t ideal and lacked the personal touch.
Paul immediately, by his actions, methods and communicative skills, quickly reassured us on these particular areas of concern. Annual meetings around the end of the tax year have been both useful and beneficial and an opportunity to plan new investments and tax implications based on our future requirements. This together with Paul’s regular financial market updates and the flexibility of further one off meetings, should the need arise, confirm our good working relationship.
Well done Paul. We look forward to the next 10 years of your confident, friendly and professional financial advice.
Graham & Susan Moore - Great Glen, Leicester
Being single, it was becoming increasingly important that I received good, objective financial advice for the short-, medium- and long-term. Paul has provided me with that excellent advice. He has ensured that he is in tune with my individual circumstances and has always been careful to work with my preferences, not imposing anything with which I might feel uncomfortable. He is professional in all aspects of business, and I have found it entirely reassuring to work through financial decisions with his knowledgeable guidance.
Jill Silverthorne – Kibworth, Leicester
Paul has always been very reliable and extremely helpful and I am very grateful for his continuing help and advice - especially since my husband died and I had to deal with financial matters. It is so good to know that I can always call on Paul for help and support, it is very reassuring to know he is only a phone call away.
Jo Lewis - Oadby, Leicester
A few years away from retirement I desperately needed somebody to help me decide when or whether I would be able to take retirement and continue to maintain the comfortable lifestyle I'd been used to. Finding Paul Smith was a real boon. He was first able to give me a template to enable me to gauge my expenditure post-retirement which would then form the basis of an interview together with details of the four employee pension I'd acquired over my employed years.
Paul also reviewed my savings portfolio, inherited from a previous financial advisor, and recommend moving these funds to a more tax efficient arrangement which helped to grow my savings over the following period. This was done taking into account my appetite for investment risk and whether capital growth or income was my preference (bearing in mind my impending retirement).
I am so grateful to Paul having pulled together the details of the forecasted benefits from my company pensions and from the state pension. Working with him we were able to put in place a clear plan for my retirement, with every confidence that the income I would receive would enable me to maintain my lifestyle, and at the same time secure a pot of capital ready for those unexpected (and planned) events that life brings.
Three years into retirement now and I am thoroughly enjoying myself.
Thank you Paul and Provident Solutions.
Andrew McQuaid - Kibworth, Leicester
I contacted Paul when I retired early 8 years ago. He quickly and efficiently arranged my pension and investment requirements. He is obviously very knowledgeable but he is also friendly and approachable. I would recommend Paul to anyone, in fact I have already referred family and friends to him.
Paddy Ryan – Fleckney, Leicester
We have used Paul now for a number of years and it has proved to be a very good decision. Paul is a very good listener and ensured that our investments have been appropriate to our needs. He has also has been very supportive and available during recent times. He is very professional, helpful, and confident. His advice is always well considered and thorough and trust worthy. We would have no hesitation in recommending him.
Ian & Jane Fraser – Great Glen, Leicester
I have always found Paul to be the consummate professional but with a lovely kind and friendly manner. His financial advice has proved exceptional and he explains everything in an easy to understand way. Nothing is ever too much trouble and I owe him a huge debt of gratitude for his help and support following the death of my husband. I would have no hesitation in recommending him to future clients.
Beryl Bland - Oadby, Leicestershire
Paul always provides a first class service. His advice is well-considered, proactive and timely. He responds very quickly to any matters on which we have sought his input and we would not hesitate to recommend him
P & J – Kibworth, Leicester
I thoroughly recommend Paul Smith as an IFA. He is more than 'just' an IFA - he not only recommends suitable investments but also considers wider life style issues. Life is not all about money - its about making money work to achieve the lifestyle one wants. Paul does this.
Dr. H.S. Derbyshire - Leicester
Paul has been an invaluable help with my retirement planning. I would recommend Provident Solutions to anyone needing in-depth financial planning advice.
Andrew Collins – Kilby, Leicester
Having been a client for almost five years, my wife and I have been very pleased with Paul's methodical, professional and friendly approach in dealing with our retirement finance planning. Indeed I have already mentioned his services to several of my colleagues and would have no hesitation in recommending Provident Solutions for financial advice.
John Szkudlapski – Wigston, Leicester
The service provided by Paul so far has been exceptional. He is friendly, professional and thorough. His explanations are easy to understand and he will tackle any problem promptly and efficiently. I feel that my interests are at the heart of all of his recommendations for my investments. I also appreciate that meetings are held in my own home and it is good to know that he is always at the end of the phone. I would not hesitate to recommend him to future clients.
Pat Thatcher - Oadby, Leicester
As an IFA, Paul handles our investments, but also provides an invaluable source of broader financial advice. His approach is very thorough and based on sound fundamental reasearch, which as an FD myself, I regard as essential. Paul is also highly focused on transparency, taking great care to ensure we fully understand the fee structure in, and behind, any transactions. In a complex financial world, we find it invaluable to have someone like Paul who can explain it and help us plot a sensible path forward.
Andy Liggins - Market Harborough
Paul has been invaluable in enabling me to maximise the income from my investment portfolio at a time of very difficult trading conditions . I have no hesitation in recommending him as an expert in his field who conducts his business with integrity and professionalism .
Professor Simon Lewis - Leicester
Paul has advised my wife and me for several years now. He is friendly, helpful and very knowledgeable and is able to explain things simply. This means that we have confidence in his advice and can sleep soundly at night. We recently had our annual review. Our portfolio had outperformed the benchmark for the moderate level of risk we have chosen. It also easily outperformed the FTSE 100. We are very happy to recommend him.
Roy Smith – Broughton Astley, Leicestershire
I have used Provident Solutions since 2009. I was widowed in 2008 and needed someone who would guide me through investing money so that I could provide for my own future. From the beginning Paul Smith has been very professional but friendly and approachable. He explains everything to me in a way I can understand. He answers all my silly questions and worries with patience and understanding. Through the last 7 Years Paul has given me good, sound advice.
Sue Oakes – Desford, Leicester
My wife and I hired Paul to advise us with some difficult financial decisions, and we were grateful for the clear and detailed way he helped us. Paul has provided regular updates and advice, and our financial planning is a lot healthier for it! He is always thorough, knowledgeable and friendly.
Clive Moon - Oadby, Leicester
Paul is a very experienced, qualified & knowledgeable Financial Adviser who always questions the client carefully regarding their current financial position, their degree of risk taking & their future needs. He is friendly & very prompt at replying to any questions. He is very trustworthy & can be relied upon to give an excellent service.
Debbie Appleby - Market Harborough
Paul has been a great support to me over a number of years. He helped me to plan for my retirement and has continued to advise me on investments since. He explains his recommendations in a straight-forward manner and provides written confirmation and supporting evidence. Meetings with Paul are always relaxed and friendly and I shall continue to rely on his expertise in the future.
Lauri Butcher – Market Harborough
I can fully recommend Paul and Provident Solutions. Paul undertook an in depth review of my Financial Planning needs and following research based on those needs identified a number of options which were explained to me fully and in depth, allowing me to make a fully informed decision
Andrew Sutton – Kibworth, Leicester
Paul Smith is a consummate professional who has been our family's financial adviser for more than a decade. Paul listens to our needs and offers sound solutions always seeking the most effective results for us as clients.
Jackie Rogers - York
Paul Smith has a very professional approach and gives honest, straightforward advice
David Booth - Blaby, Leicester
Paul Smith was a great help and was friendly but professional.
Mike Wilson - France
I would have no hesitation in recommending Paul Smith to family, friends or business associates.”
Derek Layder - Oadby, Leicester
Paul Smith has a wide knowledge of financial products and the ability to relate this to individual requirements. The information which Paul provides is detailed and comprehensive. He is approachable and thoroughly professional and I am happy to recommend Paul.
Jane Merry - York
Paul's advice is personal, professional and well researched. Recommendations are grounded in sound logic and always clearly explained. I am happy to recommended the lifestyle planning service he provides.
Sue Russell - Oadby Leicester
I've been taking pensions advice from Paul for several years now. He has an excellent knowledge of the subject and never fails to find investment funds that exceed or match the returns in their sector.
Richard Gemmell - Stoney Stanton, Leicester
As a 19 year old student interested in business, my father introduced me to Paul and his service a couple of years ago. With the content seeming very complicated and detailed, Paul has been a great help in making it easy to understand as a client, while maintaining great humour throughout. He strikes me as a very conscientious advisor, alongside being the sort of man who could get along with anyone. Second to none in terms of communication.
Ben Liggins - Market Harborough
The level of care and quality of advice provided by Provident Solutions has been exemplary so far. We feel confident our assets will continue be to be managed in this way in the future.
Viv Johns - Whetstone, Leicester
Very informative & precise financial advice making it easy for us to understand. Created an excellent package for our finances for the future.
Robert & Caroline Geary – Knighton, Leicester
Excellent service: I would not hesitate in recommending Provident Solutions to anyone. 10 out of 10.
Joanne Wright - Wigston, Leicester
We were really pleased with the prompt & professional service provided by Paul Smith of Provident Solutions. It took all the worry out of sorting out the best Annuity for my pension funds. Paul was very informative, and explained everything in simple terms which we could follow. We will definitely use Provident Solutions again if we need any more financial advice in the future and would certainly recommend them to our friends. Many thanks again.
Terry & Mia Reid - Wigston, Leicester.
The service provided was very thorough - 5 star rating, Paul explained things clearly and the advice on Pensions was excellent.
Vaughan Neal - Leicester Forest East, Leicester
Provident Solutions have proved to be a reliable and proficient service. Following our initial enquiry I was able to make an appointment almost immediately and was given valuable, easy to understand information and advice without pressure or intimidation. I would definitely recommend Provident Solutions and will continue to use their services in the future.
Kim Fox - Aylestone, Leicester
An excellent service, all of my options were well explained, a good personal service and nice to know you are always at the other end of the telephone.
Ceri Pope - Fakenham, Norfolk
Provident Solutions have provided us with an excellent service and we are very pleased with this. Communication has been fantastic, we always knew where we were. We look forward to continued support in our ongoing changing financial circumstances.
Murray & Leslie Banks - Elvington, York
I first contacted Paul Smith of Provident Solutions in early summer and he gave me an extremely comprehensive report to our enquiry resulting in a very satisfactory conclusion. Paul has been very helpful and worked hard for us on our behalf. We would have no hesitation in recommending him to future clients.
Len Brown - Wigston, Leicester
Mr Paul Smith was very professional & friendly. Very prompt arriving at our house within 24 hours of our phone call and soon sorted out my private pension. We would definitely recommend Paul from Provident Solutions. Information was explained in detail and in a way that we could easily understand. Honest advice. Everything perfect – 10 star rating.
Christopher & Monica Walker - West Knighton, Leicester
Paul Smith put a great deal of time and energy into ensuring that all our requirements were totally catered for. He was extremely reliable, knowledgeable, professional and friendly. All the information was explained in detail and in a way that we could easily understand. During the process Paul continually monitored all the segments of our portfolio to ensure a smooth trouble free completion. A complete success!!
Tania Taylor - Bromsberrow, Hereford
Really really pleased with the service provided. It took all the hassle out of my re-mortgage. It was all done and sorted for me. I didn’t even have to leave home as he came to me. Fantastic!!
Sharon Read - Narborough Road, Leicester
As a first time buyer with little knowledge of mortgages it was reassuring to know that Provident Solutions was seeking to get me the best possible deal. I feel confident that the advice Paul and his team gave me helped to achieve the best deal. I would recommend Provident Solutions to all seeking good honest advice without reservation.
Jon Hubbard - Virginia Water, Surrey
After calling other companies about re-mortgaging & receiving advice on only a small amount of mortgages and considering the large amount we would be charged by these companies for their advice, we called Provident Solutions. They stood out against the others. We were impressed with professional and honest advice we received and best of all they did not charge us a fee. They listened to what we wanted and gave us up to date advice and mortgage rates. They did all the hard work and saved us money. We also received free advice on our life cover. A company you can trust.
Sharon Whitmore - Great Glen, Leicester
Whilst dealing with Provident Solutions in seeking an alternative mortgage supplier I found my dealings with your company to be conducted to the very highest standard. All of your staff were friendly, helpful and knowledgeable. My New mortgage that was arranged by Provident Solutions has reduced my monthly payments considerably. Well done, please convey my thanks to all your staff.
Michael Cole - Great Glen, Leicester
Very good, Very Patient, kept me informed.
Sheila Hulme - Fleckney, Leicester
Exceptional service. Very thorough and professional at every stage of the process. Provident Solutions spent a lot of time with us, explaining all the different mortgage options and finding the most suitable plan for us. Highly recommended.
Laurie Smith & Hannah Fitzpatrick - Pocklington, York
Just a note to thank you for all your help and support in getting thing sorted out for me, during this very difficult time. With Best wishes
Carol Dickinson - North Allerton, North Yorkshire
Thought your overall service was excellent, everything was explained in a way I could understand.
Ron Smith - Croft, Leicester
Excellent service provided. Paul found information about other Annuity providers very quickly and got quotations on a like for like basis promptly which meant it was easy to compare.
Mr & Mrs Zaverilal Pala - Wigston, Leicester
A wonderful service. Paul made the daunting process of obtaining Mortgage and Life Insurance so simple. An honest and Independent overview of Mortgages. Most importantly meetings and phone calls which were promised were upheld. Paul never failed to keep us informed throughout the process of events taking place. No criticisms!!! I have already recommended Paul to a friend.
Karen Thomas & Ian Stott - Wigston, Leicester
Brian & Janet Pickford - Oadby, Leicester
Good explanations in Layman's terms, an all round excellent service, very efficient and they did what they promised.
Ray Goddard - Whitwick, Leicestershire
Gillie Dean - Bradford on Avon, Wiltshire
Very thorough service with good explanations.
Ezekiel Bejide - Glen Parva, Leicester
Very good advice explaining what options are the best for our need for safe to moderate risk investments.
John & Sheila Taylor - Oadby, Leicester
Excellent, detailed but well explained, explained all the options well ensuring a feeling of confidence that everything would happen within the timescales required.
Rachel Moore - Great Glen, Leicester
Prompt and efficient analysed well the level of cover needed by measuring it against English tax laws and the aspects of Sharia.
Dr Abdul Vania - Evington, Leicester
I liked the fact that you visit customers at home, you effectively communicated in simple language what was available & helped me to plan my pension requirements. Thanks for everything.
Salinder Takhar - Knighton, Leicester
Excellent, very clear, efficient & helpful - we would highly recommend them. They didn't 'blind us with science'!
Derek & Freda Snelling - Wilbarston, Market Harborough.
We were both very satisfied with the service provided and the analysis of our new & existing pensions was particularly impressive.
Robert & Beverley Stone -Thurnby, Leicester.
I can't find fault with the service, everything was done very well - thank you.
Robert Beechey - Leicester.
Excellent, very informative and compliant. Well presented, very professional and easy to contact when needed.
Robert & Jean Duncan - Glen Parva, Leicester.
Friendly, fast & efficient, kept in regular contact communicating the progress of my application in words I could understand. Thanks for all your help.
Dawn Matthews - Brinsworth, Rotherham.
Extremely good! always keeping in regular contact with us by telephone or post. Very well organised, visited us at home and found us the cheapest deals.
Ami Insley & Marc Edwards - Swadlincote, Derbyshire.
Excellent, very comprehensive and pain free process. Attitude of the consultant was excellent. I felt very comfortable and confident in our discussions. I actually understood what I was being told!
Andrea Germaney - Maidenhead
We were happy with the advice given to us by Paul, he was very helpful and straight forward and put us at ease.
John & Avril Brooks - Wigston, Leicester.
Meeting was very relaxed & I was pleased with the outcome. I was very pleased to do business with Paul & we will definitely be in touch again. He explained everything in a way that was easy to understand.
John & Anne Alborn - Wigston, Leicester.
Excellent service, everything was explained thoroughly and in an understandable language. My pension was discussed and a fund agreed upon which was appropriate to my circumstances. Friendly & informative advice from Paul and very pleased with the Trust recommendation for my children.
Maria Fewster - Birstall, Leicester.
Helpful, thorough and clearly explained. It would have been helpful to have met Paul some years ago!
Alan & Ann Stenfalt - Cosby, Leicester.
Very Professional, knowledgeable & friendly, didn’t blind me with technical details or jargon. Gave me all the information necessary without being confused.
Debbie Appleby - Market Harborough, Leicestershire.
We were very impressed with your help and advice, regarding ‘equity release’ and would have no hesitation in recommending your services to our friends. You were very patient and thorough in guiding us through the process, and keeping us informed throughout. It is hard to think of any aspect which could be improved!
Raymond & Eileen Collings - Wigston, Leicester.
Efficient & friendly service with a good knowledge in financial matters, clearly explained available options.
Geoff Carter - Kilby, Leicester.
Excellent level of customer service, I was kept up to date at all stages of the mortgage process and would certainly recommend to friends & family.
Alison Freear - Motherwell, Lanarkshire.
First Class service, the products were well explained and I felt confident about the information given.
Nick Oxley - Whetstone, Leicester.
I was in a panic, then made one phone call to Provident Solutions, at the end of the day the panic was over and my mortgage was sorted, the next day we signed the mortgage papers and ‘job done’. Wonderful - nothing could have been done better concerning our situation. Excellent service.
Garry & Helen Wells – Birstall, Leicester.
As always the service was efficient & comprehensive with excellent communication both by phone & email.
Gary & Kim Fox - Aylestone, Leicester.
Very helpful & informative service, explained all of my pension options well.
Mrs Pat Henson - Great Glen, Leicester.
The service provided so far has been very good especially with regards to increasing my pension income. Good explanations in general regarding pensions & investments.
Malcolm Kenyon - Wigston Harcourt, Leicester.
The service was well presented and Paul sourced the best possible mortgage deal as well as showing all of the other options.
Ron & Bridget Mapp - Wigston, Leicester.
We found the service very helpful and non-biased towards any particular products. We were given excellent advice for us to make an informed decision. The service was friendly and things were put into simple, easy to follow terms.
Bill Newton & Emma Halliday - Glen Parva, Leicester.
Listened well then gave us clear & concise advice on the options available to suit our needs we feel Paul pointed us in the right direction.
David & Rita Rudkin - Wigston, Leicester.
Well presented service, it was clear and easy to understand the financial side of the recommendations offered. All of the facts were presented well, taking time to explain to make sure we understood everything.
Geoff Astill - Leicester.
Well presented advice with no pressure a friendly and excellent service where all of our financial options were well explained.
Chris & Val Vernon - South Wigston, Leicester.
Paul Smith was very helpful, he explained everything carefully. I was glad he helped with the paperwork. I think the fact he came out to see us was great as finding time to sort out insurance is very difficult.
Martyn & Paula Hardy - Sileby, Loughborough.
Thorough, clear and complete service - we should have used Provident Solutions years ago. A good personal service with no hassle.
Ian & Ceri Moore - Thorpe Langton, Leicestershire.
Very customer friendly, we were impressed with the customer relationship strategy. A good in depth investigation and response to our requests for investments. Paul explained the reasons for a particular investment strategy well and was willing to answer all types of questions. Everything was explained at the correct level of intelligence.
Steve & Janice Paine - Wigston, Leicester.
We thought your service was fantastic! You always kept us up to date and we have no doubt that you got us the best deal for our situation. It made the experience of buying our first home an enjoyable one. Everything was communicated and explained well in a very efficient manner.
Fiona Stewart & Kevin Espin - Hamilton, Leicester.
Very good service, Paul Smith explained everything in fine detail which from previous experience with Financial Advisors has never been done before.
Andrea Moulton – Selby, North Yorkshire.
The service was very good, efficient and prompt and conducted in a professional, pleasant and polite manner. Everything was explained clearly. I now know where to turn to with any future financial problems.
Mrs Rosemary Spence – Scraptoft, Leicester.
Why is financial planning so important?
We can’t stress enough how important it is to take regular Independent financial planning advice from a relatively young age, it is critical to your financial well being.