It is a refreshing change to be able to compliment a company in a world where it is more often then not necessary to complain. After many years SPFM are still able to offer a professional and most importantly honest service to its customers. Having recently needed to make some changes to my personal pension and retirement arrangements SPFM were able to source and provide exactly what was needed. I now have peace of mind and know that when the time comes for me to need their services again I can rely on them being there to guide me through every step of the way.

One evening i sat discussing the future with my partner and it became apparent that she had a well constructed plan for retirement based on her current pension. It dawned on me that although still only in my late 20’s i had put setting up a pension on the back burner for too long and so got in touch with Joe who came highly recommended through someone else in my industry. I called Joe and booked an appointment for him to come and see me and my partner. He sat and explained all the parts i needed to know and broke the conversation down into easily understandable segments which is exactly what i needed to make the process seem less daunting. The pensions system from start to finish is obviously a long winding road however Joe has given me such a solid platform to build from and i have complete confidence in the advise i have received. This is exactly what i had set out to find and more and I am very happy with what has been set up for the future.

I needed advice I could trust, from an adviser I could trust because I was approaching retirement and required advice on what to do with my Pensions and the best route for me to take along with how I could meet my income needs. Joe was excellent and he was friendly and helpful, explained all in a way that made it easier to understand for a layperson like myself and provided me with exactly what I needed.

We required investment advice for my mother to ensure that we were investing in the right areas to generate growth over the later years of her life to meet care home fees but also, ensure that money was not being eroded by inflation whilst also trying to mitigate the IHT bill that was applicable to her estate. Joe provided Professional, friendly advice that met all of our requirements.