Smart Financial

Independent Lloyds House, 18-22 Lloyd Street, Greater Manchester, Manchester, M2 5WA
First meeting at adviser's own cost
Response rating
7.0 /10
FCA verified
14th October 2019
Specialist financial planning and independent financial advice for executives, partners in professional firms, high net-worth individuals and SME owners.
We can advise you on
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions review
    • Pensions transfer
    • Wealth management
    • ISAs
    • Investing for income
    • Investment trusts
    • OEICs
    • Lump sum
    • Regular savings
    • Critical illness
    • Income protection insurance
    • Life insurance
    • Capital gains tax
    • Estate planning
    • Income tax
    • Employee benefits
    • Group pensions
    • Long term care
Meet our advisers
Tamsin Caine
Chartered Financial Planner
Chartered Financial Planner
Steven Martin CFPCM IMC
Chartered Wealth Manager & Certified Financial Planner
Certified Financial Planner Chartered Financial Planner
What our clients say
“As a small business owner we had reached a stage where we had capital within the business that was not being invested and the rates we were getting from our bank savings account did not make financial sense. In addition, we wanted to offer our employees the option of a Pension as a part of their 'Flexible 'Benefits'. We approached Smart Financial to provide us with advice. They have offered financial advice across a number of different fields on a personal and company level. These have included the setting up of an employee pension scheme, Group pension scheme, personal financial planning and life insurance. This has been undertaken through individual consultations and onsite meetings plus telephone, email and postal correspondence. Throughout this time Smart Financial have been thoroughly professional, providing unique advice to the individuals concerned and tailoring schemes to their needs.”
Jeff Roberts, North-West
“Within a couple of months of working with Smart Financial, they earned our (me and my wife) full trust and confidence. They also sorted out my pension difficulties I was having with previous employers. As mentioned above Smart Financial sorted out not only the original investments I had done but in my dealings with previous employers where her knowledge of what I was able to do and not able to do was invaluable. I think I would still be in the mire without their help. My savings and holdings are now reviewed on a regular basis and we are very happy with advice and returns we have been getting. I also appreciate it has been a good time in the last few years for investments. I would not hesitate in recommending Smart Financial. I have been very pleased with their efforts. I cannot think of anything which could have been done better.”
John Hall, North-West
“We looked for a financial planner as we wanted to invest inheritance and tidying up pensions. My pensions are in one place and easy to track. Investments are in line with my attitude to risk. Smart Financial are helpful, clear and they respond quickly to requests.”
Lisa Webster, North-West
"Increasing complexity of personal financial affairs, and need to ensure adequate planning for retirement, led me to contact Smart Financial. They have undertaken a base line review of current financial position, offered advice on management of investments and the implementation of new pension arrangements. Ongoing advice being received, giving me confidence that everything is in order.”
David Grundy, North-West
“Smart Financial were professional and accurate. They respond and communicate well. I am happy with everything they did for me. The reaction time to my requests was exceptional. I understand the process and where we are going with the pension. I feel properly advised and happy with the outcome.”
Rob Pollard, North-West
Where to find us

Lloyds House, 18-22 Lloyd Street, Greater Manchester, Manchester, M2 5WA

Make an enquiry
About us

Based in Altrincham, Cheshire, Manchester and London we are a multi-award-winning Financial Planning Firm providing high quality financial planning to ensure our clients achieve their life goals.

We work best with:

*Business executives

*Partners in professional firms

*High net worth individuals

*Owner-managers of small or medium sized businesses with a turnover of around £500,000 to £5 million

If that’s you, we’ll help you answer key questions about your money and your life, including:

“Can I afford to retire now?”

“How can I reduce my tax bill?”

“How much do I need to sell my business for to have enough money to live for the rest of my life?”

“How can I turn my pensions, savings and investments in to a sustainable income for the rest of my life?”

“How can I minimise tax when I sell my business?

“What should I do with the inheritance I’ve received?”

We’re passionate about empowering you to live the life you want without fear of ever running out of money – and without working for a day longer than you need to.

People who work with us have the confidence that their financial affairs are organised, simplified and understandable.

Our services

Financial planning will help you achieve the lifestyle you want, now, and in the future.

We’ll address your current financial challenges and then build a holistic plan to deliver the future you desire and deserve.

That starts by getting to know you. From our first meeting, we look at the whole picture considering what you need now, to retirement and beyond.

We take a personal approach to our work using a tried and tested five step processes, to really get to know you and understand what you want to achieve, reviewing and realigning the plan as necessary over the years.

Advice methods
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    Online (Live chat, video, email)
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    Face to face
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value