Our Chartered and Certified Financial Planners help expats around the globe manage their financial affairs in line with their life objectives from UK pension transfers, managing existing investments, lump-sum investments/portfolio management, regular savings, insurances, international mortgages and much more.
Smart Financial International is a values-based financial planning firm based in Malaga Spain. Established in 2021, the business is the European arm of the multi-award-winning UK-based and FCA regulated Smart Financial Planning Limited established in 2008.
Our aim is to help expats achieve their lifestyle goals and aspirations without the fear of ever running out of money, through the provision of outstanding financial and wealth advice, and smart management of investment portfolios.
The Smart Financial companies currently have around 100 clients, approximately £100 million of assets under management, and offices in the UK and Spain.
As independent financial planners, with only Chartered and Certified Financial Planners, you can rest assured that any advice we give will be fair, unbiased, and unrestricted. Once we understand your long-term goals and objectives we will review all suitable products in the market and advise appropriately to meet your objectives.
In following our philosophy that, ‘investing money is only done to facilitate the delivery of goals and objectives’ it is important that we are only investing in reliable long-term, low risk, and low-cost solutions which give the highest possible likelihood of achieving those objectives.
Our holistic approach means you’ll have access to specialist advice from across our diverse business and international network. We also work closely with offshore lawyers, trustees and other professional advisers.
The financial advisers trading under Smart Financial/BFMI are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed Representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number 3647.
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Steve established Smart Financial Planning Limited in the UK in October 2008 and serves as the Chief Exec of all of the Smart Financial companies. He has around 25 years experience in the profession, having been a Partner and Managing Director at previous firms, and is a Chartered and Certified Financial Planner (CFP), a holder of the Investment Management Certificate.
Steve is the course developer and the lead trainer of the Certified Financial Planning Licence (CFP) and the Financial Planning MBA through the Financial Planning Training Academy.
Steve was an active member of the Manchester branch of the IFP before its amalgamation with the CISI, holding the position of Chair from 2009 until 2014. He also used to sit on the Financial and Legal Sector Panel. He speaks regularly at Financial Planning meetings around the country and is also a regular contributor to a wide range of feature articles on financial and money management-related subjects across trade, local and national press.
Steve also leads Financial Planning Training Academy, a specialist training business set up to train financial advisers to become accomplished Financial Planners, and the Change The Future TM Programme which is the leading, ‘Coach the coaches” programme for Financial Planners.
Steve is married to Michelle and they have two boys, he is a keen runner and crossfitter, an Ironman triathlete and is a committed fund raiser for the Cystic Fibrosis trust and other related charities. He has recently competed in the CF Warrior Games where his team raised over £14,000 for the CF Warrior charity.
Steve’s perpetual target is to run a sub-3 hour marathon which he had hoped to achieve in Manchester in April 2020 however COVID and circumstances continue to conspire against him! He is currently considering whether to launch another attempt in Manchester in April 2022.
As the needs of the business’ clients changed, Steve established Smart Trustee Services Limited (Smart SSAS) in 2011. In 2012 Smart Business Financial Planning was established and today is our Change the Future™ program.
In 2021 Smart Financial International was established to support clients who have emigrated from UK and moved to Europe and beyond.
