Smart Financial

Independent Financial Adviser  Lloyds House, Manchester, Greater manchester, M2 5WA
First meeting at adviser's own cost
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
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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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Stakeholder
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Wealth management
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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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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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Critical illness
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Income protection insurance
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Life 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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Employee benefits
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Group Pension/Stakeholder
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Long term care
Response rating
9.5/10
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FCA authorised
Last authorised 28th September 2020
Meet our advisers
Tamsin Caine
Chartered Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

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

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

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.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

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

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

Accreditations
Chartered Financial Planner
Steven Martin CFPCM IMC
Chartered Wealth Manager & Certified Financial Planner

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

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.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

This qualification assesses a knowledge and understanding of portfolio investment management. If passed before September 2010 QCF 3 after then QCF 4

Accreditations
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
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.

Where to find us
Head office address: Lloyds House, 18-22 Lloyd Street, Greater Manchester, Manchester, M2 5WA
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.5/10
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FCA authorised
Last authorised 28th September 2020

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