What will your legacy be?
Your pensions and savings are so much more than simply a fund for your future. Across the world, they create stories of change – from building communities to regenerating ecosystems.
Customer Success Stories, Reviews & Testimonials
TYF Group Founder and Director Andy Middleton advises governments and business large and small on sustainable strategies
Most pension providers don’t care enough and fall short of what we need from investors – and that’s why I moved my pension to Path.
Why Diane McCrea MBE moved her pension and ISAs to Path
Changing all my investments to Path makes me feel so much better about what my money is achieving for me and my values for the future of our planet.
Becky and Roy Francomb – grandparents who want their pension to make a difference and help tackle climate change
We are so impressed with the quality of service provided by Path, where ethical considerations at the core of everything they do…
"Getting my finances in order is such a relief. With Path, I feel I’m in safe hands."
After coming out of a long-term relationship, Mary was inspired to overhaul her finances and make sure that her money was aligned with her values.
Living sustainably is central to every aspect of Jo Zaremba’s life
I wanted to know where my money is going, not just where it isn’t. I had almost given up hope of finding a solution then I came across Path in 2019.
“They blew our assumptions out of the water”
Neena and Stefan Atkinson, from Suffolk, run a coaching and organisational development company. Here, they explain why they recently made the switch to Path, and how it’s enabled them to take in a family from war-torn Ukraine.
“If you believe in ethical investing, then you should put your money where your mouth is.”
Making sustainable choices is important to Rick and Stew. They live their lives in a way that’s as green as possible, and wanted their finances to reflect this.
I have had a few meetings with Rowan at The Path. I have felt like a load has been taken off my shoulders. This company should win awards (if they haven’t already). The amount of work they put into each and every person they work with is incredible. You pay them out of your assets so no horrible invoices arrive (and it’s in their interest to make your assets grow!) I realise my pension (like most pensions) has been invested unethically up until now and that it really doesn’t have to be this way. Ethical investment is the future. Fixing where you invest is said to be better for the planet than 25 electric cars!
On a more personal note I have found Rowan to be just excellent. She’s warm, approachable, informative and honest and I trust her implicitly.
Highly recommended switching to Path, if you haven’t already. It’s a no brainer.
Luke was assigned to me as my fund manager & we had several lengthy conversations to really establish what I wanted & which industries I wanted my pension to support or more importantly which ones I did not. Now after his diligence & patience, I have the peace of mind that my money is only supporting ethical companies & not ones against my personal moral compass. Thank you.
Our experience with Luke was friendly, reassuring and very professional. We had a number of specific concerns that we managed to receive advice about, and Luke was very good at explaining things clearly and concisely. Would definitely recommend.
She then suggested several options that met my needs and that of a vulnerable family member. I highly recommend her.
Luke guided us through the financial process with patience, knowledge and clarity. When we had questions Luke was quick to respond.
We both feel happy that Path has enabled us to start a pension that aligns with our values and is making a positive impact on climate change
Paula D ⭐⭐⭐⭐⭐
I was looking to invest my pension in greener options that moved away from fossil fuel and other such investments.
An initial meeting as well as catch up meetings, where needed with Luke, really helped at each step. I understood the process and what would happen, as everything was explained in a clear manner. Luke was transparent about how the The Path operate and costs of their service. I was given a simple and comprehensive summary of what they could offer based on my results compared to my previous pension provider. The process of moving my pension felt to me straight forward and I felt secure during the process of reading and transferring documents. Extremely happy with the service so far. I am now much more content and relieved knowing I am now investing in things I can be proud of.
Genuine, credible, friendly, responsive
Luke has been friendly and responsive throughout our discussions. He’s provided excellent information about what The Path offer and has been willing and able to answer all my questions, however basic. I’ve found him to be credible and genuine and is someone I’d be very happy to work with.
Gordon Barker ⭐⭐⭐⭐⭐
More than just ethical investors
Ethical investment for me is not just where the investments are made, but how they are made too. With the death of my wife earlier this year, the whole Path team have been not just highly professional, but supportive and kind in their approach. There have been instances where they could have taken the easiest route for themselves, but have worked tireless to ensure the best outcomes for us a family. I trust them implicitly and know that my 18 year old daughters will be using The Path for the rest of their lives too.
Green investing and cash flow planning
I approached Path to explore further ethical, and environmentally orientated ways of investing, and to validate that my existing investment plans, and future cash flow plans were sound.
It made a refreshing change to talk to Luke, who from my personal perspective, was a rare individual who completely understood the nature of green investing, and was someone I felt I could really engage with as someone who cares passionately about the climate, and the environmental crisis we all face.
Luke was able to explain clearly the services offered by Path, and their different approaches to green investing. Luke was also able to perform detailed cash flow modelling to support future financial planning, and decision making.
It was clear from Luke’s research, the modelling, and from our high-quality, and constructive discussions that my personal strategy was sound, and was the right fit for me. Luke fully acknowledge this, and did not try to direct me down any alternative paths.
Confidence-inspiring ethical choice
Luke has been really insightful and helpful throughout the process and I feel like I’m in a safe pair of hands, knowing my pension is only invested in areas I’m comfortable with. The way the process is set up means I could be really clear on my preferences and he could advise me on what options would align best with those, and from a risk point of view helped me consider where I might want to be a bit more or less open. He was able to answer all my questions along the way, and wasn’t too pushy but gently nudged when I’d forgotten to fill in a form so kept the process on track.
Becky Palmstrom ⭐⭐⭐⭐⭐
Luke was a pleasure to work with
Luke was a pleasure to work with – honest, reliable and completely transparent about how everything worked. He never spoke down to me and had his heart in the right place. If you’re looking for purpose driven investments with someone you can trust – look no further.
Fraser Mills ⭐⭐⭐⭐⭐
The whole Path service has been very…good
The whole Path service has been very personable and professional. Luke has been a very helpful guide within this process. I’m not really comfortable in recommending financial help/support/services but my personal experience has been very positive.
Consummate professionals – a perfect blend of purpose and performance. Lovely people, particularly Rowan who really went above and beyond to sort out my financial mess despite me being really busy!
Anna Ballard ⭐⭐⭐⭐⭐
Throughout our whole relationship with Path, over the last two years, we’ve had just the one point of contact, who is always able to clearly answer our questions and explain financial complexity in a way we can understand. Our first free consultation with Jack Clancy was very encouraging. He provided a good in-depth review of how things stood for us, which offered some very pleasant and unexpected surprises. There was no sales pressure, or hollow gimmicks. We were in a better position than we had appreciated. Thereafter, through Path’s careful financial planning and a little budgeting on our part, we were able to retire much sooner than we had anticipated. We were able to radically change our lifestyle, involving a house move, to one that aligned with our aspirations.
Jack clearly has a passion for his role. We have visibility of our finances whenever we want and any questions we have are quickly answered. The added value to Path’s high level of financial expertise is that it’s now such a pleasure and relief to know that our investments are contributing towards a more hopeful global future, in sustainable, ethical and positive ventures.
Path Financial are clearly driven by strong ethical values not just with their approach to finances, but also to their customers. I approached them looking for finacial advice and was told that my specific circumstances probably don’t require it. Rather than making a quick buck and selling me a service I didn’t need, the Paraplanner I spoke to, Jordan Wright provided me with some useful general information and told me why their services weren’t in my best interests at this time.
Any company that puts its (potential) customers before profit gets 5 stars in my book!
Cordelia Newsome ⭐⭐⭐⭐⭐
Rowan has been wonderful
I was always bit frightened about the subject of pensions! All I really knew was that I wanted my money to be invested ethically and to have a positive impact. I felt so relieved and utterly at home when I discovered Path Financial. Rowan has been wonderful; from the very first phone call, I felt totally comfortable with her and confident of her expertise. I trust her totally. She explained everything really clearly and has been very patient with me. She has kept in touch with me throughout the whole process, with regular (hugely enjoyable!) Zoom meetings and always follows up with a written summary of everything. I would highly recommend Rowan Harding and The Path Financial.
Alice Burgess ⭐⭐⭐⭐⭐
Luke is fantastic
Luke is fantastic: responsive, patient and diligent. We haven’t used Financial advisers before and did a lot of research before deciding to use The Path. We’re so glad we did as our experience has been 100% positive so far.
F Spoerry ⭐⭐⭐⭐⭐
Had a great experience working with…
Had a great experience working with Luke who is clearly passionate about both the planet and investments – a rare combination!
T Bradford ⭐⭐⭐⭐⭐
put my mind at ease
I was a bit apprehensive about talking to a financial adviser but I wanted to know that my money was doing some good. Luke was very reassuring and explained everything to me in great detail, always being very attentive to my questions and concerns. I feel confident now that my investments are in the right place.
Luke Clark ⭐⭐⭐⭐⭐
More than just an ethical pension
I came to Path simply looking to switch to an ethical pension but I got much more. The service was far more personalised and tailored than I expected; Luke clearly and patiently guided and talked me through the process, his recommendations, my current investments and how Path invest. It’s too early to see results on investments but at least I know they are doing good 🙂
Luke’s approach to my financial…
Luke’s approach to my financial situation was very helpful and his patience and wealth of knowledge was flawless. Thanks Luke!
A great approach
The Path has a great approach – Luke took the time to listen and recommend appropriate advice for my financial position and my values. Also gave me time to think about the well-considered proposal with no pressure, offering plenty of information and always available on request.
Ken Moon ⭐⭐⭐⭐
Pensions for a Sustainable Future
Yes! I was finally able to find a pensions company that could give me advise on the financial, ethical and environmental performance of my existing pensions! For me this is the holy grail of pensions advise, and they were able to provide me with the information that I have spent much of the last 2 decades trying to establish multiple pensions providers. In terms of Sustainable Development, the pensions industry as a whole is largely broken. The Path is forging the way for the rest of the industry to follow.
Samantha Lea, Woking
I first met David on a busy afternoon in London. I was intrigued and had some inheritance money to invest, so decided to size him up. David won me over immediately with his relaxed, friendly approach. He presented Path to me and explained his goals and I was instantly hooked.
Looking back now that I am terminally ill, I feel so blessed to have found David just in time. It never felt right to me to have my money in corporations that are damaging the planet.
Finally, I can rest easy knowing my dad’s money (and my own) is now in good hands doing what is best for the planet.
My Partner and I are so grateful to David for providing such green investment options, and we are with him 100% as Path grows from strength to strength.
Ruth French, Leamington Spa
I held out for a long time regarding taking on a financial adviser for my own investments. I guess I was just waiting for the right one! Path matches my own values and principles in every way.
Andrew Paul Lewis, Northampton
Having worked with a few financial advisors over recent years, when we found Path we quickly realised they were exactly what we had been looking for.
Not only do they absolutely know their way around the technicalities of investing in eco funds, but importantly they go out of their way to understand their clients needs at an emotional level.
Having this kind of rapport, and knowing they are always there to assist, without doubt made the sometimes tricky world of investments a more comfortable place for us.
With their expertise, we now feel grateful for having the opportunity to do our bit towards being a little kinder to our planet.
Rosie BT ⭐⭐⭐⭐⭐
Informative, encouraging and positive service I had a brilliant experience with The Path. I was taken step-by-step through my finances over several months, and Luke explained my options in a clear, encouraging non-patronising way. I have an excellent plan thanks to them, and I feel much more confident and informed as to make financial choices based on positive impact. It is quite scary how much our money (i.e. pension) is tied up with harmful industries without our knowing, and so now I’m able to make changes to how my money is invested, in a way which will also have a positive return for myself.
Luke helped me realise my pension was invested in places I did not agree with ethically. The breakdown of the pensions and how they could be diverted to better serving funds was really helpful. I found him very easy to engage with and he listened well to my ethics and risk appetite.
Pension review with Luke Sword
Luke carried out an initial review of my existing pension, helping me understand how invests were managed, and how further funds could be invested. I found Luke to be really easy to talk to, friendly, yet professional, and considerate of individual needs and circumstances. Thank you for your help!
Luke Sword from Path Financial has been…
Luke Sword from Path Financial has been incredibly supportive and patient with me over the year it’s taken me to change where my investments are. Not once did I feel pushed into a decision and I felt listened to with regards to how I wanted to invest, particularly how risky (not very much for me) and ethically where I wanted my money to be. I have recommended them and Luke to friends.
Really helpful and great to work with
Luke was really great in helping me move my pension over to The Path’s portfolio. Super helpful in responding to all my queries and explaining things clearly. I’ve experienced a bit of pushiness from other IFAs but this is absolutely not the case with The Path.
Paddy L ⭐⭐⭐⭐⭐
A good path
The Path were a really good choice. Jack Clancy is a great advisor, always there to help us make the complicated decisions. He’s patient, thoughtful, and gently guides us to understanding what matters to us most, so that we can feel secure in our choices.
Friendly and knowledgeable advice from a professional company
I contacted Path Financial as I had a lump sum that I wanted to invest, but felt uncomfortable with the conventional options of investing in housing or murky pension funds with money in the oil and gas industry. Luke was very open and responsive during my initial enquiry and good at explaining things in an easy to grasp way. The company was extremely professional at all points during setting up my investments and I felt safe that my money was in good hands. It has only been two months since I joined so I can’t speak to how useful the ongoing support will be, but so far I’ve been very satisfied.
Reliable service. No complaints.
I feel confident in my investments made…
I feel confident in my investments made via Path, from a personal finance bur also wide social and environmental viewpoint. Jack Clancy has been a great advisor, he has understood my situation, aims and level of understanding and adapted his consultantations and advice to it. I feel confident in the team. Thank you..
I contacted Path at the beginning of 2020. I had wanted to align my investments with my values for a long time and had only recently discovered that ‘ethical pensions’ and ‘ethical ISAs’ weren’t really all that ethical… I was, and am, particularly concerned about the Climate Crisis but also concerned about human rights issues.
I had very recently suffered a significant bereavement so I was particularly vulnerable when I contacted David. He was compassionate, understanding and highly sensitive.
David took a great deal of time to explain everything to me until I was comfortable with the terms and understood what was happening. At no point did he ever put pressure on me to make a decision.
As a person who has always been ‘good with money’ (in terms of saving) but is not ‘interested in money’ (in terms of spending a lot of my own time and energy thinking about investments), I am glad to have found Path. I believe that I can trust them to make good decisions about what to do with my money, in line with my ethics. So far – six months in – I am entirely satisfied with the service I receive. David is also good at catching up with me about my investments, without pressuring me to be more involved than I want to be.
Graham Bailey, Sheffield
So glad I switched, also bowled over by the performance of the funds in the first year.
Becky and Roy Francombe, Seaford
We are so impressed with the quality of service provided by Path, in particular how quickly they respond to enquiries and keep us updated on the progress of transactions. We always feel they are just a phone call or email away and that they know and understand our requirements so we don’t need to keep repeating them to different people. It’s very much a personal service. David and his team have listened and delivered exactly what we wanted.
Neither of us is very experienced in the field of financial investment but the advice provided to us has given us a great understanding of how pensions and investments work and what our options are. David has always been very transparent and explained the risks involved so we could decide which course of action would suit us best.
In these very uncertain times, we had braced ourselves for potential slow or even negative growth in our investments however, we have been very pleasantly surprised by the healthy return we have seen in the last 6 months, since our portfolio was setup. We realise this is a long-term investment and there will be dips and peaks but it’s certainly a very encouraging start. We find the dashboard very easy to use, and enjoy finding out more about the funds involved and where the money is doing good around the world.
Before finding Path, we had spoken to a few other financial advisers who had been recommended to us, and while they clearly understood their own products and services, they had very little clue about ethical investments. When we asked about how we could use our money to fund environmental and social projects one adviser told us that we might as well give our money to Greenpeace! It’s such a relief to find a company that understands and share our values, and has clearly shown us that looking after the planet and providing for our future financial security are not mutually exclusive.
We have recommended Path to family and friends – especially those who like us are involved in environmental activism. We feel that although other companies are beginning to offer some ethical options, they simply do not compare with Path where ethical considerations at the core of everything they do and the very reason they exist.
Rosalie Segal ⭐⭐⭐⭐⭐
Excellent and helpful advice
We have had some really helpful meetings with Luke Sword. His suggestions have helped clarify our direction forwards financially and my husband and I both felt very comfortable in our discussions with him.
We will definitely reach out again in the future when we need more help.
Liliana Martinez Steiner ⭐⭐⭐⭐⭐
I trust that Luke Sword will be always available to offer knowledgeable support.
I had been with my previous financial adviser for quite a long time. However, for a number of years I wanted to move my investments to ethical platforms. I started doing quite a lot of research around; and although my previous adviser offered a few ethical options, they didn’t have the expertise on this field and the options were limited. I also felt that they were not really believers of ethical investments.
When I asked specifically to not make any investments in companies that support animal experimentation, they only offered one high risk option. However, I had already been talking to Luke Sword from The Path, who was very professional and knowledgeable regarding ethical investments along the way. Options don’t seem to be limited to one company, and they don’t have to be of high risk. Luke was very supportive and answered all my questions thoroughly. Meetings were done over Zoom and I didn’t feel that I was pushed to make a decision. I felt that Luke’s knowledge and helpful advice would have enough weight for me to make the final jump over to The Path. I can’t comment on how the performance will be in the future as it’s too soon to say. However, I have the confidence that Luke will be always available to offer knowledgeable support.
Path is fantastic (and so is Luke!)
I can only say positive things about Luke. I have been disorganized with my emails while he has been supportive and insightful.
I am very happy I have gone with Path and look forward to a long working relationship.
It was easy
It was easy, informative and a pleasure working with Path Financial to transfer my pension into businesses I believe in. This not only comes with higher returns but with a human at the end of the phone, as opposed to an anonymous contact in a big machine. Options were clearly laid and the handover process was simple.
What a great service!
On first contacting the Path I was struck by how responsive and personable it felt. This continued to be the case, along with a thorough exploration of where my previous pension funds were invested, an excellent report with lots of graphics, and fast and efficient transfer to a new platform for ethical and green investments. A really satisfying and interesting experience all round so far and I look forward to further guidance especially when I retire. I’m happy with the fees as not only is it a great service but it is also a good cause in itself.
Stijn A ⭐⭐⭐⭐
When idealism turns into pragmatism
Maybe I would have liked to get a better idea of the different roles of the different organisations involved, beyond Path, as this was and still is all quite new to me and I had to let go of a number of assumptions and hopes and replace it with some pragmatism and acceptance of a rather rigid reality of the investment world. But Luke Sword has been very supportive and patient, while I was trying to get my head around the different modalities and constructions.
Anna and Nick Ballard, Bristol
Having reached our significant 50th birthdays and worked in a variety of private organisations during our careers, my husband and I felt it was time to review our plans for the future; a need magnified by the pandemic, as we want to spend more time with our family, rather than working all hours towards an unclear goal.
We each had several private pension pots dotted around with various providers, but we didn’t know where the funds were invested, how well they were performing or how risky they were. We were keen to consolidate these and move to investing 100% in responsible and ethical funds, reflecting our own values and concerns for our global collective future. We also wanted to get a better handle on our personal financial position and identify how many more years we needed to work to fund our retirement.
The welcoming and uncluttered home page for Path offered to tick all these boxes, with a no obligation, free consultation. Before approaching them, we checked they were registered on the Financial Conduct Authority website, then requested an initial chat. This was arranged very soon after, where a few brief details were taken down by our friendly Financial Adviser whom, we soon realised, genuinely shared our values and concerns about the urgent need for responsible investing, so we were reassured he had a real passion for his role.
We arranged the first consultation, which was very encouraging, clearly explained and provided a good in-depth review of how things stood for us, which offered some very pleasant and unexpected surprises. We quickly realised, with much relief, that we were in a better position than we had appreciated and through some careful financial planning (via Path) and a little budgeting on our part, we could retire much sooner than we had anticipated. It was the best 2020 Christmas present we could ask for, after a rather challenging year. The review took into account our level of risk we were willing to take with our investments and provided us with the sense of direction we needed to formulate the next steps in our plan; i.e., to prepare to sell our property and move to our ‘ideal’ home, something we’ve been dreaming about for years. To this end, we’ve had input from Path to plan how best to fund this project, giving us peace of mind to focus on the move itself.
Throughout the whole relationship with Path, over the last 10 months, we’ve had just the one point of contact, Jack, our Financial Adviser, who is able to clearly answer all our questions and explain financial complexity in a way we can understand. Jack is now a regular friendly voice and face in our lives. It’s still early days in our partnership with Path, but we have visibility of our finances whenever we want, via the online platform, and any questions we have are quickly answered. The additional plus is that it’s now such a pleasure and relief to know that our investments are contributing towards a more hopeful global future, in sustainable and positive ventures. We continue to share our story with friends and family, in the hope that others will choose to follow Path.
Lydia Tipler, Bristol
I wanted to thank you and the rest of the team at Path for the excellent service I have received from you so far. When I initially contacted you I knew my future financial plans were in complete disarray on various levels, but was unsure how to make it all come together. The way forward was explained very clearly and I am now satisfied that not only am I investing positively, but that my future should be secure. Before contacting Path I had had various meetings with other companies but never felt at all confident in their plans, claims or methods, let alone valued as an individual. I came away more confused than before!
Thank you for your patience Paul as I tried to get to grips with what needed to happen and the various choices involved. You have been generous with your time and understood what I was struggling with, never having been interested in, or able to grasp, even some of the basics in financial planning and investment. You seem to have understood my priorities and needs and reassured me that there was also a measure of flexibility in my decisions.
The main thing I appreciate though is obviously the focus on integrity in business and on ethical investment. I sense an excitement throughout your organisation about the future of your type of set-up and wish you well.
I look forward to our future involvement.
Diane McCrea MBE Chair of Cynnal Cymru – Sustain Wales
I prevaricated – changing investment managers can be tedious! Yet I knew my investments were not aligned to my core values and the Sustainable Development Goals, which is contradictory since I am so careful about what I spend my money on and the impact it, and I, have on the planet.
As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.