About Mel Luter

Mel Luter


I pride myself on providing a personal, one-to-one service for my clients, which is tailor-made to help them achieve their financial goals and aspirations.


I started my career over 30 years ago, with Coutts & Company in Bristol, where I worked my way up from cashier over a 12 year period. I qualified as a financial adviser and moved to Bournemouth in 2001, where I joined Lloyds Private Banking. After 13 years there, I decided I wanted more control over how I looked after my clients, and so I set up my own practice in partnership with St. James's Place Wealth Management in 2014. In 2017, I qualified as both a Chartered and Fellow member of the Chartered Insurance Institute, demonstrating my extensive knowledge and expertise in my quest to be the best that I can possibly be for my clients.

Outside of work, I am a mum to two adult sons and a disabled dog, and I enjoy spending time with family, and taking extensive walks and hikes around the beautiful Dorset and Hampshire coastline.

I am an avid fund raiser for charity, through challenging walks and hikes, including taking on Mount Kilimanjaro in 2013 which raised over £6,000 for the Brain Tumour Support Charity, and visiting Nepal in 2019 which raised over £10,000 to help rebuild a school devastated by the 2015 earthquake.


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Mel is friendly and helpful. She is very knowledgeable and has the ability to explain financial matters clearly. Mel answers our questions in a way we can understand and always makes sure we are happy with the response she has given to any concerns we have raised. We consider ourselves to be lucky t...
Stephen Hart |Retired Lecturer


Prestigious industry status recognises the value I place on my development and gives clients the confidence that they are supported by one of the UK’s leading wealth professionals.

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The Partner is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products. The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.