1. Home
  2. breadcrumb-arrow
  3. Find an adviser
  4. breadcrumb-arrow
  5. East Of England
  6. breadcrumb-arrow
  7. Essex
  8. breadcrumb-arrow
  9. Colchester
  10. breadcrumb-arrow
  11. SP Financial Management

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
check
Annuity purchase
check
Auto enrolment
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Building your home
check
Buy my next home
check
Buy to let
check
Buying commercial property
check
Buying first home
check
Flexible mortgages
check
High loan to value
check
Mortgage protection
check
Next home / Remortgaging
check
Right to buy
check
Self-employed mortgages
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Unit trusts
check
Lump sum
check
National savings
check
Regular savings
check
Savings for children
check
School fees planning
check
Accident & sickness
check
Critical illness
check
Healthcare
check
Income protection insurance
check
Large business
check
Life insurance
check
Payment protection insurance
check
Small business
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
check
Commercial mortgages
check
Corporate pension
check
Employee benefits
check
Group ISA
check
Group Pension/Stakeholder
check
Group Protection/Life Insurance
check
Group critical illness
check
Group income protection
check
Group life insurance
check
Group private medical insurance
check
Group risk
Make an enquiry Request a call back Recommend to a friend
Response rating
7.0/10
phone Show number
check
FCA authorised
Last authorised 29th March 2021
Meet our advisers
Mr Joe McArdle
Independent Financial Adviser

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

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

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.

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

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

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

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

Accreditations
Certified Financial Planner
What our clients say
"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
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
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, Essex, SS6 7EJ
Service coverage
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    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
check
FCA authorised
Last authorised 29th March 2021

Similar advisers near you

Blue Square Financial Ltd
Independent Financial Adviser 0.25 mi
 
 
See profile
Wren Sterling in partnership with Saffron Building Society
Independent Financial Adviser 0.25 mi
We've worked with Saffron Building Society for many years, helping hundreds of customers make informed financial planning decisions
 
See profile
Fingerprint Financial Planning
Independent Financial Adviser 0.32 mi
Independent, expert financial planners & mortgage advisers helping families, business owners and those approaching retirement. Our service is as unique as you are. We can speak with you directly via our video conference facilities or by telephone.
 
See profile
Optimum Independent Financial Advisers Ltd
Independent Financial Adviser 0.42 mi
In short: ‘We Care’.
 
See profile