Our Story
Life is change; without change, there is no life.
Everything we are, everything we build, and everything we guide — exists in motion. Change is not a disruption. It is the most natural state of life.
At Reffiness, we do not resist it. We refine it. Because evolution begins the moment we decide to look differently.
Our Team
Lukasz Tomczyk
Founder & IFA
Bsc(Hons) Dip(FA) CeMAP
Lukasz offers expert financial planning services designed to help individuals, families, and business owners build long-term financial security. As experienced financial planner, he provides personalised advice on retirement planning, investment strategies, wealth management, tax-efficient planning, and protection solutions tailored to your goals and circumstances.
Ewa Wicinska
Mortgage Adviser
CeMAP
Ewa provides expert mortgage advisory services tailored for first-time home buyers looking to purchase their first home. She guides you through the entire process – from mortgage pre-approval and affordability assessment to securing the best mortgage rates available and the most suitable mortgage solutions based on your financial situation and long-term goals.
Our Approach
Reffiness exists to transform the way individuals and organisations approach change — turning financial, personal, and strategic decisions into conscious evolution. This is not another advisory brand — it’s a philosophy of conscious growth.
Our goal is to expand awareness, elevate perspective, and refine actions so that people don’t just react to life, but actively shape it. We help clients see beyond products and numbers to the purpose, structure, and meaning behind them.
Through education, advisory, and design of life strategies, Reffiness builds clarity and direction in a world defined by uncertainty. We exist to connect awareness with action — to translate perception into progress and perspective into purpose. Our mission is simple yet profound: to refine how people think, plan, and live.
5/5
Vouched For Rate
95% +
Retention Rate
500+
Satisfied Customers
10
Years of Experience
Us in Numbers
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Why work with us
An all-in-one service is a comprehensive solution that combines multiple services into a single package. It aims to streamline the customer experience by offering a holistic solution that addresses various needs and eliminates the hassle of dealing with multiple firms or separate offerings.
We help mitigate risks associated with legal and regulatory requirements. By ensuring that all necessary procedures and contractual obligations are explained, and processes are followed. This not only reduces legal risks but also builds trust and credibility among stakeholders.
We optimise advice processes and streamline operations using technology. By implementing cutting-edge solutions, we automate repetitive tasks, improve workflow efficiency, and enhance overall productivity concurrently with robust security measures to protect sensitive data.