(SMT) Money Matters Limited
18th June 2018
Our Financial Planner has been awarded Chartered status and the ISO 22222 accreditation, the gold standard among Financial Advisers.
We can advise you on
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Mortgages
- Buy to let
- Commercial for individuals
- Equity release
- First time buyers
- Flexible
- Remortgage
- Residential
- Self employed
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Investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
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Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Large business
- Life insurance
- Payment protection insurance
- Small business
-
Business
- Commercial mortgages
- Corporate pension
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
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Financial planning
- Wealth management
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
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Long term care
- Long term care
Meet our advisers
Sean Teuten A.P.F.S
Chartered Independent Financial Planner
Qualifications & Accreditations
SV1 - Saving and Investment (CII)
This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
J04 - Pension Funding Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
G10 - Taxation and Trusts (CII)
This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
AF1 - Personal Tax and Trust Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
APFS - Associate, Personal Finance Society (PFS)
To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
CF7 - Certificate in Lifetime Mortgages Activities (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
AFPC - Advanced Financial Planning Certificate (CII)
In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.
G20 - Personal Investment Planning (CII)
This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
Accreditations
What our clients say
"We thank you for the excellent financial services you have provided to us over the years. We now have one pack containing our financial commitments and have rid of our deluge of paperwork. You have worked tirelessly to help us tie our pensions into a managed pot, sort out our Will and also helped us through some difficult situations. It's extremely comforting to know that you are a phone call away."
"For the past 5 years SMT have looked after my pension. Initially they combined all my pensions that I had acquired over the years into one portfolio. Through careful management on their behalf this has grown year on year since then. I have also made use of their Will Service to update my current Will. Overall I have always found them to be very efficient, professional and continually expanding their knowledge of the markets they work in so they give the best possible up to date service available. I have no hesitation in recommending their services."
"Please can I thank you one more time for your most valued help in getting things to such a position as to reduce my tax bill. I'm truly grateful and hugely impressed at the lengths and breadths you have gone to in order to help me... I couldn't have settled this issue without your assistance. As always, Sean, your advice and input have been invaluable."
"Thank you for all your hard work in getting my finances on track, it had become a nightmare for me to manage, I really do appreciate what you've done."
Where to find us
About us
We offer a professional, comprehensive and personal service to help clients achieve their financial goals.
Whether you are planning for your retirement or have savings to invest, or perhaps you are concerned about your family's financial security - whatever your financial planning requirements, we are supremely qualified to assist.
Following an initial one hour free consultation with our Chartered Financial Planner, together we will develop a financial planning strategy which will give you peace of mind safe in the knowledge that your financial affairs are in order. We will conduct whole-of-market research and will tailor the solution to your particular objectives.
Our services
We have considerable expertise and a strong track-record in delivering pension and investment planning solutions. We ensure that clients invest in a tax-efficient manner and always in accordance to ever-changing legislation.
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