S P Financial Management Limited

Independent Financial Adviser  2nd Floor, Rayleigh, Essex, SS6 7EJ
First meeting at adviser's own cost
We offer Independent Financial Advice and Mortgage Advice. Based in Rayleigh we help people throughout the Essex and London areas.
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
Bad credit
check
Building your home
check
Buy to let
check
Buying first home
check
Flexible mortgages
check
High loan to value
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
Traded endowment policies
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
Life insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
check
EEA
check
Rest of world
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
check
Long term care
Response rating
7.0/10
check
FCA authorised
Last authorised 17th February 2020
Meet our advisers
Tony Duckworth DipPFS, Certs CII(MP & ER)
Financial Planner

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

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assess a knowledge and understanding of the Financial Services environment, UK Financial Services and Regulation, the principles of investment, investment products, financial protection, retirement planning and investment advice knowledge.

Daniel Jeffreys DipPFS
Financial Planner
Adrian Clayfield BA(Hons) APFS Chartered Financial Planner
APFS Chartered Financial Planner, Managing Director

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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.

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.

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.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

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

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.

This examination assesses a knowledge and understanding of investment products and the risks involved.

Accreditations
Chartered Financial Planner
What our clients say
A huge thank you for the amazing service I have received from Tony and SP Financial Management. To say my Mortgage application case was difficult is an understatement – I had various factors that made life difficult for Tony including a non-standard construction property. Tony and the SPFM team went through all of my options in a clear concise manner and helped me make the right decision to achieve my Mortgage goals. Once the plan of action had been decided Tony guided me through each stage of the Mortgage application process and kept me fully informed of all developments. I would highly recommend Tony and cant thank him enough for getting my 2016 off to a great start.
Mrs Offord, Rochford
He worked well with my self and wife and offered great options re: life insurance. He is defiantly the person I will go back to in the future, if I need any other financial advice. Thanks to Tony for fitting in with my time schedule and helping me get everything relating to my life insurance done.
Mr and Mrs Georgiou, London
I met Tony today to discuss my mortgage and insurance. He was fantastic and explained everything on very simple terms and made it so simple.
Mrs Martin, Stratford, London
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.
Mr Elrick, Southend-on-Sea
About us

SP Financial Management are Independent Financial Advisers who provide advice to private individuals, business owners, trustees, companies, and charities.

SP Financial Management has attained the Chartered Insurance Institute’s gold standard of Chartered Financial Planners status. All our advisers are committed to continuing their professional education and knowledge. SP Financial Management subscribes to the Core Values and Business Practices of the Chartered Insurance Institute and is governed by a Code of Ethics.

Our services

At SP Financial Management we wear three hats; Lifestyle Financial Planner, Financial Planner and Independent Financial Adviser.

As your Lifestyle Financial Planner we identify where you are now, where you want to be and how to get there.

As your Financial Planner we identify the resources available to you now and those that will become available, to help you satisfy the needs of your life plan.

As your Independent Financial Adviser we identify if your needs can be met by a financial product. If so, we match the right product for your circumstances.

Where to find us

2nd Floor, 69 High Street, Rayleigh, Essex, SS6 7EJ

Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Response rating
7.0/10
check
FCA authorised
Last authorised 17th February 2020

Similar advisers near you

Independent Financial Adviser 0 mi
 
 
Restricted - whole of market 0.67 mi
We are able to offer Financial Planning advice and recommendations for companies and individuals covering Protection Insurance, Pensions & Investments.
 
Independent Financial Adviser 0.67 mi
A&J Wealth Management have been offering personal, financial and wealth management advice to clients for over 30 years.
 
Independent Financial Adviser 0.74 mi
We provide Jargon free, independent financial advice and education for individuals and families throughout Essex and the South East.