We can advise you on
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
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Mortgages
- Bad credit
- Building your home
- Buy to let
- Buying first home
- Flexible mortgages
- High loan to value
- Next home / Remortgaging
- Right to buy
- Self-employed mortgages
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Financial planning
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Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
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Savings
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Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
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Expatriate finances
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Business
- Commercial mortgages
- Employee benefits
- Group pensions
- Group protection
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Long Term Care
Meet our advisers
Adrian Clayfield BA(Hons) APFS Chartered Financial Planner
APFS Chartered Financial Planner, Managing Director
Qualifications & Accreditations
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G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
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.
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.
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.
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.
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.
MAQ - Mortgage Advice Qualification (CII)
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.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
Accreditations
Daniel Jeffreys DipPFS
Financial Planner
Tony Duckworth DipPFS, Certs CII(MP & ER)
Financial Planner
Qualifications & Accreditations
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CF6 - Certificate in Mortgage Advice (CII)
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.
ER1 - Equity Release (CII)
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.
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.
CeFa - Certificate for Financial Advisers
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.
What our clients say
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
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
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
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
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.
Compliance
SP Financial Management Ltd is authorised and regulated by the Financial Conduct Authority no. 171137
