David Smith Financial Services

David Smith Financial Services is a family-run business based in Essex, established since 1976. As a Chartered Financial Planners, we are proud to hold the highest level of qualification obtainable in the profession. Our team of experienced financial professionals has an average of 25 years of experience in the financial services industry. We are dedicated to providing the highest possible service to our clients, whether you are an individual or a business.

Our Approach

Our approach is centered around creating a personalized Financial Plan tailored to your individual situation. We work closely with you and other trusted professionals to understand your financial position, goals, and risks. Our team will then develop a comprehensive plan that outlines your financial position and needs, sets out your goals, and explains the strategy to achieve them. We will also discuss risks and how to deal with them, recommend investments to manage your money, and show how each investment can help achieve your goals.

Our Services

We offer a wide range of financial services, including Pension Retirement Planning, Investment Advice, Inheritance Tax Planning and Trusts, Equity Release, and more. Our services are designed to help you achieve your financial goals, whether you're looking to plan for retirement, build wealth, or protect your family's future.

Pension Retirement Planning

Our Pension Retirement Planning service is designed to help you achieve the retirement of your dreams. We'll analyze your current situation, review your pension arrangements, and create a personalized plan to ensure you have sufficient funds to support you in retirement. Our advisers have extensive experience dealing with complex situations, including commercial property purchase within a Self-Invested Personal Pension (SIPP).

Investment Advice

Our Investment Advice service is tailored to help you build wealth, make your money work harder, or generate an income to support you in retirement. We'll recommend a range of investment products, including ISAs, General Investment Accounts, Investment Bonds, Structured Products, EISs, and VCTs, taking into account your individual tax position and risk profile.

Inheritance Tax Planning and Trusts

Our Inheritance Tax Planning and Trusts service is designed to help you provide for your family after you're no longer around. We'll discuss whether you have an inheritance tax problem and ways to alleviate this issue, including passing down your wealth to your family, tax efficiency using trusts, or investing in products that are free from Inheritance Tax.

Equity Release

Our Equity Release service provides a way to free up tax-free money from your family home without having to move. This can be used to top up your income, make one-off purchases, or simply enjoy your retirement.