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Category of advice required: Please Select Mortgages Insurance Equity Release Employee Benefits ISAs, Savings & Investments Pensions & Retirement Inheritance Tax Message/Enquiry: SUBMIT Our Address /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block} SP Financial Management Ltd 2nd Floor, 69 High Street,Rayleigh, Essex SS6 7EJEmail: info@spfm.co.uk Our offices You are welcome to visit us at our offices located at:2nd Floor, 69 High Street, Rayleigh, Essex, SS6 7EJ.Please contact us to arrange a mutually convenient time for an appointment.Office Hours: 9 to 5 Alternative Locations We are happy to meet you at either your home or a mutually agreed alternative location. If an evening appointment is more suitable for you we are more than happy to assist and we can arrange to meet with you any evening Monday to Friday. Any initial meeting is free of charge and without obligation and is the ideal opportunity for us to ascertain whether we can be of help to you. Likewise it is an opportunity for you to consider if you wish to commission us to work on your behalf. /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-google_maps .elementor-widget-container{overflow:hidden}.elementor-widget-google_maps iframe{height:300px} SP Financial Management Ltd2nd Floor, 69 High Street,Rayleigh, Essex SS6 7EJTel: 0330 123 0135Email: info@spfm.co.uk Call 0330 123 0135 or 01268 778094 Privacy Policy Cookie Policy Terms & Conditions Menu Privacy Policy Cookie Policy Terms & Conditions SP Financial Management Ltd is registered in England & Wales no. 04022324. SP Financial Management Ltd is authorised and regulated by the Financial Conduct Authority no. 171137. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage. Our clients value the service we provide and often recommend us to others, however, if you wish to make a complaint, please contact us. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS). The FOS is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS is available from their website at www.financial-ombudsman.org.uk. Copyright 2022 - SP Financial Management Limited. 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Skip to content /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=".svg"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block} /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-social-icons.elementor-grid-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-mobile-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-tablet-0 .elementor-widget-container{line-height:1;font-size:0}.elementor-widget-social-icons:not(.elementor-grid-0):not(.elementor-grid-tablet-0):not(.elementor-grid-mobile-0) .elementor-grid{display:inline-grid}.elementor-widget-social-icons 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.elementor-icon.elementor-social-icon{border-radius:10%}.elementor-shape-circle .elementor-icon.elementor-social-icon{border-radius:50%} Facebook-f Twitter Linkedin Instagram /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}Planning for your Financial Future Call 0330 123 0135 or 01268 778094 Homepage About Us History Meet The Team Services Mortgages, Insurance & Equity Release Mortgages Insurance Equity Release Employer Services Employee Benefits Savings & Investments Pensions & Retirement Inheritance Tax Lifestyle Financial Planning/Cashflow Modelling News/Articles Money Matters News Contact Us Client Login Menu Homepage About Us History Meet The Team Services Mortgages, Insurance & Equity Release Mortgages Insurance Equity Release Employer Services Employee Benefits Savings & Investments Pensions & Retirement Inheritance Tax Lifestyle Financial Planning/Cashflow Modelling News/Articles Money Matters News Contact Us Client Login Meet The Team Contact Us /*! elementor-pro - v3.8.0 - 30-10-2022 */ 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.elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%)} Joe McArdleDipPFS, Certs CII (MP & ER) Director /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block} I have now worked in the financial services industry for nearly 10 years with 7 of those years as a Financial planner. I whole-heartedly believe in providing independent financial advice by listening to what is important to you and understanding your financial goals, allowing me to provide you with expert advice over your lifetime and a financial plan that is tailored to you and your circumstances.I specialise in Pension/retirement, Investment and Inheritance Tax planning advice to help grow and protect your family’s wealth. Alongside these areas, I also provide advice in relation to Mortgages, Equity Release and Protection planning advice.During my spare time I enjoy playing guitar and performing with my band whenever I can along with watching football and providing my slowly dying support for Blackburn Rovers. David BrocklesbyDipPFS, Certs CII (MP & ER) Financial Planner I believe the most important part of financial planning is working out your goals and the reasons behind these. Once we have identified these together we can put a plan in place that is specific to you so you can live the life you aspire for.I have previously worked as a Mortgage and Equity Release advisor before moving into financial planning, this means I really can be with you every step of the way from buying your first home or starting planning your retirement right up to drawing down your pension and planning on how to pass on your assets in a tax efficient way so your beneficiaries receive as much as possible. I think building lifelong relationships is essential to helping you achieve all your goals.Outside of work I am a Ballroom and Latin dancer and even previously worked for Disneyland Paris. Gary Lockett Owner & CEO Following a successful career in the London Reinsurance market, I have forged a second career in niche business sectors and was appointed CEO of SP Financial Management in 2006. Alongside this role, I hold a number of executive and non-executive positions in other businesses. I am a keen sportsman and charity fundraiser in my spare time. Neil Dobson DipPFS CeMAP Dip Financial Planner I have worked in Financial Services for over 20 years now, starting as a Financial Adviser with TSB back in the late 90’s. During my career, I have held various positions including managing teams of Financial Advisers and Mortgage Brokers as well as running my own company.The part of the job I enjoy the most is meeting clients and helping them on their financial journey, whether that be building up savings and investments for their future, demystifying options for retirement income or tax planning including mitigating inheritance tax. I also help businesses plan for their future and protect against the unforeseen.I truly believe that being an independent adviser, means I can find the best solutions to help you meet your goals and objectives. I also strongly believe in ensuring sound financial foundations are in place by ensuring you have suitable protection in place.In my spare time I try to keep fit having competed in many triathlons and marathons. Although not as fit as I was a few years ago, I still love getting out and about on my bike or running or taking my young dog for long walks. For more information on our services and for impartial independent financial advice, please click below. Contact Us SP Financial Management Ltd2nd Floor, 69 High Street,Rayleigh, Essex SS6 7EJTel: 0330 123 0135Email: info@spfm.co.uk Call 0330 123 0135 or 01268 778094 Privacy Policy Cookie Policy Terms & Conditions Menu Privacy Policy Cookie Policy Terms & Conditions SP Financial Management Ltd is registered in England & Wales no. 04022324. SP Financial Management Ltd is authorised and regulated by the Financial Conduct Authority no. 171137. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage. Our clients value the service we provide and often recommend us to others, however, if you wish to make a complaint, please contact us. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS). The FOS is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS is available from their website at www.financial-ombudsman.org.uk. Copyright 2022 - SP Financial Management Limited. All Rights Reserved Facebook-f Twitter Linkedin {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/hello-elementor\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} Menu Homepage About Us History Meet The Team Services Mortgages, Insurance & Equity Release Mortgages Insurance Equity Release Employer Services Employee Benefits Savings & Investments Pensions & Retirement Inheritance Tax Lifestyle Financial Planning/Cashflow Modelling News/Articles Money Matters News Contact Us Client Login wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); var ElementorProFrontendConfig = {"ajaxurl":"https:\/\/spfm.co.uk\/wp-admin\/admin-ajax.php","nonce":"36abf633d0","urls":{"assets":"https:\/\/spfm.co.uk\/wp-content\/plugins\/elementor-pro\/assets\/","rest":"https:\/\/spfm.co.uk\/wp-json\/"},"shareButtonsNetworks":{"facebook":{"title":"Facebook","has_counter":true},"twitter":{"title":"Twitter"},"linkedin":{"title":"LinkedIn","has_counter":true},"pinterest":{"title":"Pinterest","has_counter":true},"reddit":{"title":"Reddit","has_counter":true},"vk":{"title":"VK","has_counter":true},"odnoklassniki":{"title":"OK","has_counter":true},"tumblr":{"title":"Tumblr"},"digg":{"title":"Digg"},"skype":{"title":"Skype"},"stumbleupon":{"title":"StumbleUpon","has_counter":true},"mix":{"title":"Mix"},"telegram":{"title":"Telegram"},"pocket":{"title":"Pocket","has_counter":true},"xing":{"title":"XING","has_counter":true},"whatsapp":{"title":"WhatsApp"},"email":{"title":"Email"},"print":{"title":"Print"}},"facebook_sdk":{"lang":"en_GB","app_id":""},"lottie":{"defaultAnimationUrl":"https:\/\/spfm.co.uk\/wp-content\/plugins\/elementor-pro\/modules\/lottie\/assets\/animations\/default.json"}}; var elementorFrontendConfig = {"environmentMode":{"edit":false,"wpPreview":false,"isScriptDebug":false},"i18n":{"shareOnFacebook":"Share on Facebook","shareOnTwitter":"Share on Twitter","pinIt":"Pin it","download":"Download","downloadImage":"Download image","fullscreen":"Fullscreen","zoom":"Zoom","share":"Share","playVideo":"Play Video","previous":"Previous","next":"Next","close":"Close"},"is_rtl":false,"breakpoints":{"xs":0,"sm":480,"md":768,"lg":1025,"xl":1440,"xxl":1600},"responsive":{"breakpoints":{"mobile":{"label":"Mobile","value":767,"default_value":767,"direction":"max","is_enabled":true},"mobile_extra":{"label":"Mobile Extra","value":880,"default_value":880,"direction":"max","is_enabled":false},"tablet":{"label":"Tablet","value":1024,"default_value":1024,"direction":"max","is_enabled":true},"tablet_extra":{"label":"Tablet Extra","value":1200,"default_value":1200,"direction":"max","is_enabled":false},"laptop":{"label":"Laptop","value":1366,"default_value":1366,"direction":"max","is_enabled":false},"widescreen":{"label":"Widescreen","value":2400,"default_value":2400,"direction":"min","is_enabled":false}}},"version":"3.8.1","is_static":false,"experimentalFeatures":{"e_dom_optimization":true,"e_optimized_assets_loading":true,"e_optimized_css_loading":true,"a11y_improvements":true,"additional_custom_breakpoints":true,"e_import_export":true,"e_hidden_wordpress_widgets":true,"theme_builder_v2":true,"hello-theme-header-footer":true,"landing-pages":true,"elements-color-picker":true,"favorite-widgets":true,"admin-top-bar":true,"page-transitions":true,"notes":true,"loop":true,"form-submissions":true,"e_scroll_snap":true},"urls":{"assets":"https:\/\/spfm.co.uk\/wp-content\/plugins\/elementor\/assets\/"},"settings":{"page":[],"editorPreferences":[]},"kit":{"active_breakpoints":["viewport_mobile","viewport_tablet"],"global_image_lightbox":"yes","lightbox_enable_counter":"yes","lightbox_enable_fullscreen":"yes","lightbox_enable_zoom":"yes","lightbox_enable_share":"yes","lightbox_title_src":"title","lightbox_description_src":"description","hello_header_logo_type":"title","hello_header_menu_layout":"horizontal","hello_footer_logo_type":"logo"},"post":{"id":4396,"title":"Meet%20The%20Team%20%E2%80%93%20SPFM%20Ltd%20%E2%80%93%20Independent%20Financial%20Advisers%20%26%20Mortgage%20Brokers","excerpt":"","featuredImage":false}};

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.elementor-icon.elementor-social-icon{border-radius:10%}.elementor-shape-circle .elementor-icon.elementor-social-icon{border-radius:50%} Facebook-f Twitter Linkedin Instagram /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}Planning for your Financial Future Call 0330 123 0135 or 01268 778094 Homepage About Us History Meet The Team Services Mortgages, Insurance & Equity Release Mortgages Insurance Equity Release Employer Services Employee Benefits Savings & Investments Pensions & Retirement Inheritance Tax Lifestyle Financial Planning/Cashflow Modelling News/Articles Money Matters News Contact Us Client Login Menu Homepage About Us History Meet The Team Services Mortgages, Insurance & Equity Release Mortgages Insurance Equity Release Employer Services Employee Benefits Savings & Investments Pensions & Retirement Inheritance Tax Lifestyle Financial Planning/Cashflow Modelling News/Articles Money Matters News Contact Us Client Login About Us SP Financial Management Limited is a Chartered Financial Planning firm, first established in the year 2000. Contact Us /*! elementor-pro - v3.8.0 - 30-10-2022 */ .e-lottie__container{display:inline-block;max-width:var(--lottie-container-max-width);width:var(--lottie-container-width);opacity:var(--lottie-container-opacity)}.e-lottie__container:hover{opacity:var(--lottie-container-opacity-hover);-webkit-transition-duration:var(--lottie-container-transition-duration-hover);-o-transition-duration:var(--lottie-container-transition-duration-hover);transition-duration:var(--lottie-container-transition-duration-hover)}.e-lottie__container svg,.e-lottie__container svg *{-webkit-transition:none!important;-o-transition:none!important;transition:none!important}.e-lottie__caption{color:var(--caption-color);margin-top:var(--caption-margin-top);text-align:var(--caption-text-align)} Our Mission To us, financial advice is a people-centred business and, while we all have our individual areas of expertise, together we are a powerful family of creative problem solvers. /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);-ms-flex-negative:0;flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:-webkit-box;display:-ms-flexbox;display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:"";border-bottom:0;-webkit-box-flex:1;-ms-flex-positive:1;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%)} /*! elementor - v3.8.1 - 13-11-2022 */ .elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block} They say the devil’s in the detail, and that’s very true, especially in our industry. However, the big picture, the market forces at play and the long-term trends sharpen our focus and help to make our collaboration with you all the more successful. We also believe in delivering the best possible service. We offer first class, comprehensive advice in all areas of financial planning for both individuals and companies alike. From individual investors looking for guidance through the maze of investment options available to employers looking to put in place the best possible benefits for their employees, no issue is too small nor task to big. Our motto is ‘Planning for your future’. One way we can help to do this is by not only helping with any specific needs you may have but also, by providing our clients with a holistic review of their existing provisions to see whether any improvements are recommended. Making savings in one area can often lead to greater investment in another.We work on a fee basis. All costs and options will be discussed at your first meeting which will be free of charge and without obligation.Our advisers, have a wealth of experience in all areas of personal and corporate financial planning, from protection and investments to mortgages and of course pensions.SP Financial Management are Independent Financial Advisers who provide advice on employee benefits, and also provide advice to business owners, private individuals, trustees 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 development. SP Financial Management subscribes to the Core Values and Business Practices of the Chartered Insurance Institute and is governed by a Code of Ethics. For more information on our services and for impartial independent financial advice, please click below. Contact Us SP Financial Management Ltd2nd Floor, 69 High Street,Rayleigh, Essex SS6 7EJTel: 0330 123 0135Email: info@spfm.co.uk Call 0330 123 0135 or 01268 778094 Privacy Policy Cookie Policy Terms & Conditions Menu Privacy Policy Cookie Policy Terms & Conditions SP Financial Management Ltd is registered in England & Wales no. 04022324. SP Financial Management Ltd is authorised and regulated by the Financial Conduct Authority no. 171137. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage. Our clients value the service we provide and often recommend us to others, however, if you wish to make a complaint, please contact us. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS). The FOS is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS is available from their website at www.financial-ombudsman.org.uk. Copyright 2022 - SP Financial Management Limited. All Rights Reserved Facebook-f Twitter Linkedin {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/hello-elementor\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} Menu Homepage About Us History Meet The Team Services Mortgages, Insurance & Equity Release Mortgages Insurance Equity Release Employer Services Employee Benefits Savings & Investments Pensions & Retirement Inheritance Tax Lifestyle Financial Planning/Cashflow Modelling News/Articles Money Matters News Contact Us Client Login wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); var ElementorProFrontendConfig = {"ajaxurl":"https:\/\/spfm.co.uk\/wp-admin\/admin-ajax.php","nonce":"36abf633d0","urls":{"assets":"https:\/\/spfm.co.uk\/wp-content\/plugins\/elementor-pro\/assets\/","rest":"https:\/\/spfm.co.uk\/wp-json\/"},"shareButtonsNetworks":{"facebook":{"title":"Facebook","has_counter":true},"twitter":{"title":"Twitter"},"linkedin":{"title":"LinkedIn","has_counter":true},"pinterest":{"title":"Pinterest","has_counter":true},"reddit":{"title":"Reddit","has_counter":true},"vk":{"title":"VK","has_counter":true},"odnoklassniki":{"title":"OK","has_counter":true},"tumblr":{"title":"Tumblr"},"digg":{"title":"Digg"},"skype":{"title":"Skype"},"stumbleupon":{"title":"StumbleUpon","has_counter":true},"mix":{"title":"Mix"},"telegram":{"title":"Telegram"},"pocket":{"title":"Pocket","has_counter":true},"xing":{"title":"XING","has_counter":true},"whatsapp":{"title":"WhatsApp"},"email":{"title":"Email"},"print":{"title":"Print"}},"facebook_sdk":{"lang":"en_GB","app_id":""},"lottie":{"defaultAnimationUrl":"https:\/\/spfm.co.uk\/wp-content\/plugins\/elementor-pro\/modules\/lottie\/assets\/animations\/default.json"}}; var elementorFrontendConfig = {"environmentMode":{"edit":false,"wpPreview":false,"isScriptDebug":false},"i18n":{"shareOnFacebook":"Share on Facebook","shareOnTwitter":"Share on Twitter","pinIt":"Pin it","download":"Download","downloadImage":"Download image","fullscreen":"Fullscreen","zoom":"Zoom","share":"Share","playVideo":"Play Video","previous":"Previous","next":"Next","close":"Close"},"is_rtl":false,"breakpoints":{"xs":0,"sm":480,"md":768,"lg":1025,"xl":1440,"xxl":1600},"responsive":{"breakpoints":{"mobile":{"label":"Mobile","value":767,"default_value":767,"direction":"max","is_enabled":true},"mobile_extra":{"label":"Mobile Extra","value":880,"default_value":880,"direction":"max","is_enabled":false},"tablet":{"label":"Tablet","value":1024,"default_value":1024,"direction":"max","is_enabled":true},"tablet_extra":{"label":"Tablet Extra","value":1200,"default_value":1200,"direction":"max","is_enabled":false},"laptop":{"label":"Laptop","value":1366,"default_value":1366,"direction":"max","is_enabled":false},"widescreen":{"label":"Widescreen","value":2400,"default_value":2400,"direction":"min","is_enabled":false}}},"version":"3.8.1","is_static":false,"experimentalFeatures":{"e_dom_optimization":true,"e_optimized_assets_loading":true,"e_optimized_css_loading":true,"a11y_improvements":true,"additional_custom_breakpoints":true,"e_import_export":true,"e_hidden_wordpress_widgets":true,"theme_builder_v2":true,"hello-theme-header-footer":true,"landing-pages":true,"elements-color-picker":true,"favorite-widgets":true,"admin-top-bar":true,"page-transitions":true,"notes":true,"loop":true,"form-submissions":true,"e_scroll_snap":true},"urls":{"assets":"https:\/\/spfm.co.uk\/wp-content\/plugins\/elementor\/assets\/"},"settings":{"page":[],"editorPreferences":[]},"kit":{"active_breakpoints":["viewport_mobile","viewport_tablet"],"global_image_lightbox":"yes","lightbox_enable_counter":"yes","lightbox_enable_fullscreen":"yes","lightbox_enable_zoom":"yes","lightbox_enable_share":"yes","lightbox_title_src":"title","lightbox_description_src":"description","hello_header_logo_type":"title","hello_header_menu_layout":"horizontal","hello_footer_logo_type":"logo"},"post":{"id":4331,"title":"About%20Us%20%E2%80%93%20SPFM%20Ltd%20%E2%80%93%20Independent%20Financial%20Advisers%20%26%20Mortgage%20Brokers","excerpt":"","featuredImage":false}};

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Falling inflation and rate cuts could change how savers think about their money Cash is often regarded as a safe haven in personal finance. It’s Read More » November 4, 2025 Pensions to fall under Inheritance Tax rules from April 2027 How upcoming changes could affect estate valuations and beneficiary payouts In the previous 2024 Autumn Budget, the Chancellor announced that the Inheritance Tax (IHT) thresholds, Read More » November 4, 2025 VAT on private school fees: the increasing cost of education How new tax rules are reshaping family finances and long-term planning From 1 January 2025, private schools across the UK were required to apply 20% Read More » November 4, 2025 View All posts For more information on our services and for impartial independent financial advice, please click below. Contact Us SP Financial Management Ltd2nd Floor, 69 High Street,Rayleigh, Essex SS6 7EJTel: 0330 123 0135Email: info@spfm.co.uk Call 0330 123 0135 or 01268 778094 Privacy Policy Cookie Policy Terms & Conditions Menu Privacy Policy Cookie Policy Terms & Conditions SP Financial Management Ltd is registered in England & Wales no. 04022324. SP Financial Management Ltd is authorised and regulated by the Financial Conduct Authority no. 171137. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage. Our clients value the service we provide and often recommend us to others, however, if you wish to make a complaint, please contact us. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS). 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