Skip to main content
Search

Mark Spear

Financial Planning Consultant DipIP in Benfleet

A little bit about Mark

I have been a Financial Adviser for 25 years, based in Benfleet and covering the Essex area. I specialise in Retirement Planning, Savings and Investments, Life and Health cover, and inheritance tax planning. I offer tailored, open, honest face-to-face or remote financial advice. My goal is to provide personalised Wealth Management Solutions, tailored to the individual, helping to achieve their goals. I look to build long term relationships with my clients, working effectively on their behalf to save money and grow their finances as tax efficiently as possible.

Find out more about me below.

Start the conversation

Get in touch if you’d like to discuss the long-term benefits of including investing in your financial plans.
Contact me today

Graphic of people putting coins into a jar in front of a clock

When is the right time to invest?

There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.

When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.

Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.

There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.

If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.

*Based on an annual average investment return of 5% and inflation at 3%.

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.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

Mark's location

Benfleet
Essex
SS7
United Kingdom

Mark is located in Benfleet and offers expert financial advice covering the Essex area.

I have the Diploma in Investment Planning (Retail Banking) from the Chartered Institute of Bankers Scotland. I started my career advising at Friends Provident and have advised at HSBC and Barclays Bank.

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.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.