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Luke Clay

Independent Financial Adviser

Bachelors degree in Business Management and Accountancy (BA)
Diploma in Financial Planning (DipPFS)

I joined Hoyl in 2024 and have really enjoyed building on my industry experience within such a supportive, professional and client-focused environment. During this time, I’ve continued to develop both my technical knowledge and hands-on experience, alongside achieving my Diploma in Regulated Financial Planning (DipPFS).

Working closely with experienced advisers has given me the benefit of strong mentorship, which has played a big role in shaping how I approach financial planning. It’s helped reinforce what matters most to me – providing clear, tailored advice and building long-term relationships based on trust, transparency, and a genuine understanding of each client’s individual circumstances.

I support clients across a range of areas, including pensions, investments, and protection planning. I’m passionate about helping clients feel more confident and in control of their financial future, whether that means planning for retirement, growing and protecting wealth, or ensuring loved ones are financially secure. My aim is always to make complex financial matters easier to understand and to deliver that feels practical, relevant, and truly meaningful.

Outside of work, I enjoy keeping active and regularly train at the gym. My partner runs her own business, which has given me valuable insight into the realities of running a business and the hard work needed behind the scenes. When time allows, I enjoy travelling and spending quality time with family, helping me recharge and maintain a healthy balance.

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Upton House, 2 St Margaret’s Road, Cromer, Norfolk, NR27 9DG

Visitor parking is available, and our offices are accessible to wheelchair users, ensuring a comfortable and inclusive environment for all visitors.

Hoyl Independent Advisers Limited is Authorised and Regulated by the Financial Conduct Authority. 

Our Financial Services Register number is 433927. Registered in England, Company Number 05343956

Registered Address: Upton House, St Margarets Road, Cromer, England, NR27 9DG

© 2026 Hoyl Independent Advisers Ltd

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