Business Details
50+ Years
experience
Your Trusted Partner for Financial Planning Solutions
Smith & Pinching has been delivering independent financial advice for over 50 years, combining technical expertise with a deep understanding of clients' evolving life goals. As a Chartered firm, we prioritise trust and personal relationships, often supporting multiple generations of families through savings, mortgages, retirement planning, and later-life financial decisions. Our service model integrates professional rigour with a personal touch, maintaining strong partnerships with external professionals to address client needs beyond our core expertise.With 1.5bn in assets under management, we blend financial strength with continuous service improvement, holding the Chartered Financial Planners designation since 2009. Our team of over 100 staff, including 30+ advisers, operates from four East Anglian offices while maintaining national regulatory compliance through FCA authorisation.
Services
Retirement Planning
Estate Planning
Tax Planning
Mortgages
Business Financial Planning
Protection & Insurance
Workplace Pensions
Investment Advice
Financial Planning for Divorce
Employee Benefits
Details
- Year established: 1973
Highlights and features
- Chartered Financial Planners since 2009 with 1.5bn assets under management
- Specialist multi-generational financial planning expertise spanning 50+ years
- Holistic approach integrating pensions, investments, tax, and estate planning
- Dedicated team of 30+ qualified advisers and 100+ support staff
- Employee-owned structure ensuring long-term client commitment
Associations and certifications
- Chartered Insurance Institute
What people say
5 star service
Experts in their field
Peace of mind
Long-term relationship
Transparent communication
Services
Retirement Planning
Our retirement planning service helps clients achieve financial security in later life. We analyse current pension provisions, investment strategies, and income requirements to create tailored retirement solutions. With expertise in pension consolidation, drawdown arrangements, and tax-efficient withdrawals, we ensure clients maintain their desired lifestyle while complying with regulatory requirements. Our advisers provide ongoing portfolio management and regular reviews to adapt to changing circumstances.
Estate Planning
Estate planning services focus on wealth preservation and efficient intergenerational transfers. We implement strategies to minimise inheritance tax liabilities through trust structures, lifetime gifting, and charitable donations. Our cash flow modelling identifies potential tax exposures while maintaining liquidity for lifetime needs. We collaborate with legal professionals to ensure wills and lasting powers of attorney align with overall estate planning objectives.
Tax Planning
Our tax planning service optimises clients' financial arrangements across income, capital gains, and inheritance tax frameworks. We utilise pension contributions, ISA allowances, and offshore investment structures to create tax-efficient portfolios. Regular reviews ensure compliance with changing legislation while maximising tax reliefs. The service particularly benefits business owners seeking tax-effective wealth extraction strategies.
Business Financial Planning
Tailored financial solutions for business owners covering succession planning, shareholder protection, and employee benefits. We implement pension-backed funding arrangements, key person insurance, and executive remuneration strategies. Our 360-degree approach aligns corporate financial objectives with owners' personal wealth goals, ensuring business continuity during ownership transitions and retirement phases.
Protection & Insurance
Comprehensive risk assessment and insurance solutions to safeguard clients' financial security. We design bespoke protection packages including life cover, critical illness insurance, and income protection policies. Our whole-of-market approach ensures optimal coverage at competitive premiums while addressing specific needs like mortgage protection or business continuity funding.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement, estate, tax, and investment strategies for individuals and businesses.
Are you Chartered Financial Planners?
Yes, we've held Chartered status since 2009, demonstrating our commitment to professional excellence and technical expertise.
Which areas do you cover?
Primarily Norfolk, Suffolk, Cambridgeshire, Essex, and Hertfordshire, with clients across the UK through remote advisory services.
How can I schedule an appointment?
Contact us via phone or email, or request a callback through our website to arrange an initial 15-minute consultation.
What fees do you charge?
Our fees are transparent and detailed in our Client Agreement document, with no hidden charges for standard advisory services.
How long have you been in business?
We've provided financial advice since 1973, with our current corporate structure established in 1996.
Reviews (7)
Malcolm Franklin
Jan 24, 2022
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When we decided to retire we contacted Smith & Pinching who provided us with very professional, personal and comprehensive guidance which made what could have been a difficult process easy to understand. Since that time we have received regular reviews and updates to ensure our retirement and financial needs are met. Additionally, our advisor is always on hand should we have any questions. For us, trust and confidence are very important and we have this in Smith & Pinching and our advisor.
Lynda Tingey
Jan 22, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Smith & Pinching have been managing our investments for the last 15 years. From the very first meeting to the present day we have been extremely happy with the service provided, and the return received on our investments.
Smith & Pinching have been managing our investments for the last 15 years. From the very first meeting to the present day we have been extremely happy with the service provided, and the return received on our investments.
Simon Crowhurst
Nov 01, 2021
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David and his team helped me navigate the complex world of pensions as I moved from a long career IT career in the energy business to semi-retirement in in 2018. Everything was handled extremely professionally, meeting several times at their Norwich office to go through the details and help me understand my options, explaining risks and taking me through the process of setting up my drawdown pension.
Since then they have continued to handle my investments for me and provide regular updates, information online and face to face reviews. I have absolutely no hesitation in recommending them to anyone
Since then they have continued to handle my investments for me and provide regular updates, information online and face to face reviews. I have absolutely no hesitation in recommending them to anyone
Susan Simpson
Oct 30, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I have the best service from this company. I can speak to them at anytime and have the staff very polite and helpful. The advice and general help and support l have had has been excellent.
I have the best service from this company. I can speak to them at anytime and have the staff very polite and helpful. The advice and general help and support l have had has been excellent.
Alan Peat
Oct 29, 2021
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Positive:Professionalism,Responsiveness
Smith and Pinching continue to provide impartial and professional financial support to us as a family.
Smith and Pinching continue to provide impartial and professional financial support to us as a family.
Neil Hickman
Oct 22, 2021
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Positive:Professionalism
First class professional service always received, great to deal with a company that sees you as an individual rather than a number.
First class professional service always received, great to deal with a company that sees you as an individual rather than a number.
Gary Cuthbert
Oct 17, 2021
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Positive:Professionalism
I have been with Smith & Pinching for the last 15 years helping and advising me with my financial affairs. I have always been very satisfied with the excellent service I have received.
I have been with Smith & Pinching for the last 15 years helping and advising me with my financial affairs. I have always been very satisfied with the excellent service I have received.
