SP Financial Management

Independent Financial Adviser 2nd Floor, Rayleigh, Essex, SS6 7EJ

First meeting at adviser's own cost

I whole-heartedly believe in providing independent financial advice by listening to what is important to you and understanding your financial goals, allowing me to provide you with a financial plan that is tailored to you and your circumstances.

We can advise you on

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Pensions & retirement

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Annuity purchase

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Auto enrolment

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Pension consolidation

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Pension drawdown

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Pensions & divorce

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Pensions & retirement planning

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Pensions review

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Pensions transfer

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SIPPs

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Stakeholder

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Mortgages

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Building your home

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Buy my next home

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Buy to let

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Buying commercial property

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Buying first home

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Flexible mortgages

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High loan to value

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Mortgage protection

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Next home / Remortgaging

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Right to buy

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Self-employed mortgages

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Financial planning

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Wealth management

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Investments

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Ethical investments

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ISA / Unit Trusts / OEICs

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Investing for income

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Investment trusts

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OEICs

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Offshore investments

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Socially responsible investments

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Unit trusts

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Savings

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Lump sum

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National savings

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Regular savings

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Savings for children

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School fees planning

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Insurance & protection

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Accident & sickness

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Critical illness

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Healthcare

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Income protection insurance

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Large business

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Life insurance

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Payment protection insurance

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Small business

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Tax & trust planning

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Capital gains tax

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Estate planning

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Income tax

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Taxation planning

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Business

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Commercial mortgages

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Corporate pension

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Employee benefits

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Group ISA

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Group Pension/Stakeholder

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Group Protection/Life Insurance

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Group critical illness

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Group income protection

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Group life insurance

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Group private medical insurance

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Group risk

Make an enquiry Request a call back Recommend to a friend

Response rating

7.0/10

phone Show number

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FCA authorised

Last authorised 13th September 2021

Meet our advisers

Mr Joe McArdle

Independent Financial Adviser

Qualifications & Accreditations chevron_up

R02 - Investment Principles (CII)

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This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

R05 - Financial Protection (CII)

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This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

R03 - Personal Taxation (CII)

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This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

R06 - Financial Planning Practice (CII)

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This qualification helps advisers develop and demonstrate their financial planning capabilities.

R01 - Financial Services, Regulation and Ethics (CII)

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This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

Dip PFS - Personal Finance Society Diploma (PFS)

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To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

R04 - Pensions and Retirement Planning (CII)

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This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

Accreditations

What our clients say

Due to a change in employer, I wanted to bring all of my Pensions schemes under one roof. I also wanted to set up a safe and low risk investment portfolio with the end goal of buying a house. Firstly Joe assessed my Pension schemes from my current and previous employers and helped amalgamate them under one policy. Further to that, Joe provided clear and concise investment advice in line with my risk appetite and end goal. My Pension is now held under one provider with all the details together and easily accessible. Secondly, I now have an investment portfolio which I regularly contribute in to on a monthly basis. Whilst my end goal is long term, I can already see progress and have confidence in reaching my target following discussions with Joe around my risk appetite.

Sam Fairhall, Tollesbury

"I left my job and needed some advice regarding my pension and also came into some money a few years ago which we wanted to invest in ISAs but didn’t know where to start first. Joe is extremely knowledgeable and explained all the benefits (and possible pitfalls) of investing in ISAs. He provided numerous brochures and information statements for us to read and explained those parts that we didn’t understand in order that we may be able to make a very informed decision on funds etc. Both our ISAs and my pension have grown substantially since Joe helped us to invest in the right places. I wish I had used his services years ago instead of leaving the money in a bank account earning minimal interest. Joe is prompt, polite, courteous, smart, responsive and professional at all times, providing a fantastic service and advice".

Alison Thompson, Chelmsford

About us

I have worked for a number of years as an Independent Financial Adviser and within the financial sector, spending my initial years within the sector at an investment management firm then moving to work as an Independent Financial Adviser back in 2016.

I specialize in pensions and investments, providing specialist retirement and investment planning advice alongside tax efficiency advice. I also advise upon inheritance tax & protection planning to help grow and protect your family's wealth.

Our services

Many financial advisers are restricted, offering solutions only from selected providers. We, on the other hand, are independent financial advisers and therefore are free to create financial plans that are bound by no other obligation than to you, our client. Your circumstances are unique to you, so is the advice we bring you.

Where to find us

Head office address: 2nd Floor, 69 High Street, Rayleigh, SS6 7EJ

Service coverage

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Preferred clients

Minimum wealth (income/assets)

£0

Minimum pension value

£0

Minimum mortgage value

£0

Advice methods

Telephone
Online (Live chat, video, email)
Face to face

Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Make an enquiry Request a call back Recommend to a friend

Response rating

7.0/10

phone Show number

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FCA authorised

Last authorised 13th September 2021

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