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Sam Smith

Financial Planning Consultant DipPFS, Cert CII (MP) in Worcester

A little bit about Sam

I pride myself on providing personalised, holistic financial advice in Worcester and its surrounding areas. I’ve been in the industry since 2020 and I’ve quickly progressed during this time with no plans for this to slow down. I’m on track to becoming a chartered financial planner in 2025 with further educational aspirations beyond that.

I find that the clients working with me, typically value that they have a clearer path towards achieving their goals such as retiring, passing on wealth to the next generation, or protecting their family against financial harm.

Find out more about me below.

Start the conversation

Get in touch if you’d like to discuss how to balance your present spending plans with your future saving goals, or any other financial matters you’re thinking about.
Contact me today

An adviser’s insight

Graphic of a man relaxing on the beach next to a pile of coins

Spend wisely and save smartly

June can be one of the best months of the year with summer well and truly on the way. But with all those holidays, weddings, anniversaries, and other spending, it can also be one of the most expensive too.

While you should be focusing on the present, it’s also important to be aware of how major outlays now can have a significant impact on your financial security in later life. A cashflow model can give you a clear picture of the consequences your spending and saving can have on your future.

It’s also good to know about the ways you can use your tax-free allowances wisely on certain expenditures. For example, your gifting allowances can let you pass on up to £3,000 a year to your loved ones without it being added to the value of your estate.*

Together, we can make a plan to help you live your life to the full now, while still having the retirement you want later on.

Click on the contact me today button at the top of my profile to discuss how I can help you.

*Source: HMRC 

Services

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

General Insurance

Home contents insurance, buildings insurance.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

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.

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

Qualifications

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

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.

Testimonials

Jamie C.

Always a pleasure working with Sam. He knows exactly where he can add value, and has consistently taken the time to understand my situation when crafting a financial strategy. I’m impressed by how he uses his own domain knowledge and surrounding network of experts to provide clear answers on a wide range of topics. Can’t recommend highly enough!

Huw T.

My experience with Sam, with my investments and pension was great! He was very attentive and helpful in explaining the different options to me and worked together to select the best option moving forward. I would highly recommend him, he is very professional and thorough. But also very easy to get along with and trustworthy.

Josh S.

My experience with Sam over the past year has been great. After receiving financial advice from a previous adviser for a number of years, I found I wasn’t getting the targeted advice that best suited my needs as a young professional.

During our first meeting, Sam took time to really get to know me and what I really wanted to get out of my future. For our following meeting, Sam researched my company’s pension scheme and other schemes available to me, and created a tailored plan that was right for me.

He’s been an ultimate professional throughout, and I’ve been extremely pleased with the financial advice he has provided and the returns so far. From my experience, I’d recommend Sam to anyone looking to seek advice. Professional. Thorough. Effective. Top work!

Location

Sam Smith's location

  • Worcester
    Worcestershire
    WR5
    United Kingdom
Sam Smith's location

Sam is located in Worcester and offers expert financial advice to suit your needs.

Sam Smith's location

More about me

I’m passionate about building strong long-lasting relationships with my clients and I have a heavy focus on educating them to ensure that they are empowered to make smarter financial decisions. I also understand that it is natural human behaviour to delay making financial decisions which can ultimately be costly. I therefore, play an accountability/coaching role with my clients similarly to that of a personal trainer which again, increases the chances of my clients having a better financial outcome long term.

Fun fact: I previously played professional rugby for Worcester Warriors, albeit it was a rather short and sweet career.

Other passions include spending time with my family, cooking and walking my cocker spaniel, Buddy. Also finding time to play sports to a very amateur level, such as golf, skiing and rugby.

What to expect

In advising you, I follow a simple and trusted 3 step process:

1. Free intro call to understand your needs

We will arrange a time to talk about your goals and plans.

2. Personalised plan

I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.

3. On going check-ins, on your terms

I'll be there as your financial adviser to give you the support you need.

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 Financial Services Ltd & Quilter Financial Ltd on 01 August 2022.