Reffiness Limited

Reffiness Limited, independent financial advice in Stoke on Trent

Reffiness Limited operates as an independent financial adviser and appointed representative of New Leaf Distribution Ltd, a firm authorised and regulated by the Financial Conduct Authority (FCA). The company states FCA number 978458 and that of its principal, 460421. Its activity is structured around three pillars that the firm calls perception, perspective and refinement, applied to the financial transitions of individuals, families and business owners.

Life changes: mortgages and protection

The firm supports situations such as buying a first or new home, expanding or starting a family, marriage, divorce or separation, and receiving an inheritance. The process begins by identifying what is truly changing in the client's life, visualising the short- and long-term impact of their decisions, and designing coordinated, compliant solutions. Services cited include mortgage advice and home-buying guidance, family and income protection, life assurance and critical illness cover, and wills, trusts and legacy planning. The annual review of the plan, called the Annual Change Review, allows the strategy to be adapted as the client's life changes.

Wealth management and retirement planning

In the wealth area, Reffiness addresses changes such as an inheritance or the sale of assets, the growth of savings or an investment portfolio, the transition to retirement, and preparing for succession or intergenerational planning. The firm defines the purpose of wealth — what it is for, whom it supports and what it should create — and draws up a plan that aligns resources with that intention, with criteria of tax efficiency, diversification and emotional grounding. To do this it uses instruments such as ISAs, pensions, investment bonds or trusts, and monitors progress through annual reviews and cashflow analysis. The services listed include investment and portfolio planning, retirement income strategy, inheritance and estate structuring, and ongoing wealth management.

Career and business changes of direction

The firm also advises on changes of direction such as leaving or changing employment, starting a business, relocating abroad or returning to the UK, career progression or redundancy, and the rebalancing of life priorities. In these cases it identifies the new direction, the risks and opportunities it introduces, and aligns the financial structure with that new stage, from business setup to pension contributions and insurance. It applies tax-efficient strategies such as salary exchange, pension consolidation or director protection, and monitors personal and business plans together. The services cited cover financial planning for directors and business owners, pension design and corporate contributions, business protection and relevant life cover, and cross-border planning and relocation strategy.

Method of working: advice, planning and execution

The firm's process is organised in three phases. Advice starts from people and what is changing in their lives, not from products. Planning translates that clarity into a living plan that connects income, protection, savings, investments, pensions and legacy through what is called the Financial Change Framework. Execution and monitoring coordinate every aspect of the plan so that decisions are strategic, compliant and aligned with the client's objectives.

Team and stated figures

The team comprises Lukasz Tomczyk, founder and independent financial adviser with BSc (Hons), Dip(FA) and CeMAP qualifications, who provides financial planning to individuals, families and business owners in matters of retirement, investments, wealth management, tax efficiency and protection; and Ewa Wicinska, mortgage adviser with CeMAP certification, specialising in first-time buyers, whom she supports from pre-approval and affordability assessment through to securing the best mortgage terms according to their situation and objectives. The company states a 5/5 rating on Vouched For, a retention rate above 95%, more than 500 satisfied clients and ten years of experience.

Regulatory warnings

The firm warns that its services relate to certain investments whose prices depend on fluctuations in financial markets beyond its control, and that investments and their returns can fall or rise, with the possibility of recovering less than was invested. It also notes that past performance is not a reliable predictor of future results, that a home is at risk if mortgage or other secured loan payments are not met, that buy-to-let mortgages and commercial finance are usually not regulated by the Financial Conduct Authority, and that will writing and lasting power of attorney advice are also not regulated by that body.

Location and contact

Trent House 234 Victoria Road Stoke on Trent ST4 2LW · Phone: 03302 292 282 · Email: offce@reffiness.co.uk