Eddy Carter-Smith
Financial Planning Consultant DipFA CeMap in Lincoln
A little bit about Eddy
I have more than 35 years of Financial Services experience, starting off in South Africa and now established in the UK. I have advised people from all walks of life, from doctors to couriers, and high net worth individuals with complex estate planning to those with basic savings.
Start the conversation
Get in touch if you’d like to discuss how I can help you with windfalls and lump sums.
Contact me today
An adviser’s insight
If it’s time for financial advice, I can help you
Coming into a sum of money can be exciting and overwhelming at the same time, especially if it’s sudden or unexpected. And while you’re trying to process all the emotions involved, you’ll probably have to make some important financial decisions as well.
Whether you’ve received an inheritance, a windfall, or a lump sum from work, having an adviser to help guide you and make a sensible plan can take away some of the stress and worry so you can focus on the benefits.
I can help you understand all the different options available to you, taking advantage of any allowances so your money works as tax-efficiently as possible.
I can also help you adjust your financial plans or make completely new ones by showing you how the choices you make today could impact your future.
Together, we can put your money to work in a way that helps you feel confident about the future.
Tax treatment varies according to individual circumstances and is subject to change.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Qualifications
Diploma for Financial Advisers
- The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.
Location
Eddy Carter-Smith's location
Financial Planning Consultant in Lincoln, Lincolnshire.
More about me
I have experience in all core advice areas, with a specialism in wealth management (investment and pensions) and estate/wealth preservation. I have achieved Certified Financial Planning status, and additionally, I have been accepted as a member of the London Institute of Banking and Finance.
I have worked across all client areas and specialize in affluent and high net worth private clients. I have built a solid network of clients by providing advice and high-quality service to local people, business owners, clients in the mid-stage of working life, and those approaching retirement who want to maximize their standard of living.
Since moving to the UK in January 2017, I have worked with a network of specially selected experts to support all your advice needs. I have been married since 1986 and have three children. My keen interests include exploring the world and being an avid amateur chef and braai master. I also have a passion for reading and researching all subject matters, particularly Eschatology.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.