SM & Associates Limited Chartered Financial Advice

Independent Financial Adviser  27 Armitage Court, Ascot, Berks, SL5 9TA
First meeting at adviser's own cost
Our experience tells us, that if you feel confident with your finances, you will have the financial freedom to enjoy what is important to you. With this in mind, we offer clear, fair, and impartial advice that you can trust.
We can advise you on
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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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Wealth management
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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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Traded endowment policies
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Unit trusts
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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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Accident & sickness
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Healthcare
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Income protection insurance
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Payment protection insurance
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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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Corporate pension
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Group ISA
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Group Pension/Stakeholder
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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
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Sharia finance
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 13th September 2021
Meet our advisers
Mr Steven Mufti
Chartered Financial Planner
Mr James Harvey
Financial Planner

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

What our clients say
"Steve's recommendation has been fully confirmed in all his advice and attention to detail which has resulted in significant financial gains. We now have a good friend who will look after our financial interests and give us good advice. We look forward to a long relationship with Steve knowing we can trust him with our financial affairs."
Mrs A Young, Berkshire
Steve has guided us through the minefield of financial products and always offers straightforward and sensible advice that is best suited to our situation
Neil & Rebecca Bowker, Surrey
Steve's experience and knowledge have made a positive impact on my personal finances, while his support and advice has given me the confidence to make some important new business decisions. I now look forward to a rewarding financial future, knowing my portfolio is being handled by someone I trust.
Keith Bell, Middlesex
About us

We are a friendly, honest and reliable family business. Offering you clear, personal, Independent Financial Advice that you can trust.

Our philosophy is to build a trusting and long-term relationship with you, enabling us to fulfil the potential of your investments for a more secure financial future. But we’ll also challenge you ​along the way and encourage you to think differently in order to help you live the life you want.

Our services

We offer bespoke financial and Lifestyle planning, to individuals and companies, helping you to optimise your capital:

Be it invested in Pensions, Investments or Business assets*.

We believe that our services are suitable, for those who want, individual attention, face to face meetings, personal advice and management from an experienced and highly qualified adviser, offering Independent, unrestricted and unbiased advice.

*For business owners we offer advice on tax efficient profit extraction, dividend protection and Inheritance tax.

Where to find us
Head office address: 27 Armitage Court, Ascot, SL5 9TA
Service coverage
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 13th September 2021

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