Business Details
6 Years
experience
Your Trusted Financial Partner for Secure Future Planning
CSP Wealth is a dedicated financial advisory firm committed to helping clients achieve long-term financial security. With a focus on personalized financial planning, we specialise in pensions, investments, tax efficiency, and estate planning. Our team combines extensive industry experience with a client-centric approach, ensuring each strategy aligns with individual goals and risk profiles. We utilise advanced tools like the FinaMetrica risk assessment system and our proprietary myWealth app to provide transparent, data-driven insights.Regulated by the Financial Conduct Authority, we prioritise ethical practices and client education, empowering informed decisions. Our mission is to transform financial aspirations into achievable realities through tailored, tax-efficient solutions.
Services
Financial Planning
Investment Management
Tax Planning
Risk Assessment
Estate Planning
Pension Advice
Life Insurance
Wealth Management
Details
- Year established: 2020
Highlights and features
- We provide independent, unbiased financial advice tailored to your unique circumstances.
- Our myWealth app offers real-time visibility into your financial portfolio and net worth.
- We conduct detailed risk assessments to align investments with your tolerance and goals.
- Our cash flow forecasting system maps precise pathways to achieve financial objectives.
- Regulated by the Financial Conduct Authority for professional integrity and compliance.
Associations and certifications
- Financial Conduct Authority
What people say
Peace of mind
Personalised approach
Expert guidance
Transparent communication
Proactive planning
Services
Financial Planning
We create comprehensive financial plans tailored to your life goals, combining pensions, investments, and tax-efficient strategies. Our cash flow forecasting system maps your journey to retirement, ensuring sustainable income. With a focus on long-term security, we help business owners, employees, and retirees optimise their financial resources while adapting to changing circumstances.
Investment Management
Our investment approach balances growth and capital preservation, aligned with your risk profile. Using diversified portfolios and regular reviews, we optimise returns while minimising volatility. The myWealth app provides real-time tracking of investments, pensions, and property values, ensuring transparency and adaptability to market changes for sustained wealth growth.
Tax Planning
We identify tax-saving opportunities through pensions, ISAs, and trust structures. Our strategies reduce liabilities while maintaining compliance, focusing on inheritance tax mitigation and retirement income optimisation. By integrating tax planning into broader financial strategies, we enhance long-term wealth retention for individuals and businesses.
Risk Assessment
Using the FinaMetrica psychometric tool, we evaluate your risk tolerance to guide investment decisions. This ensures strategies match your comfort level, whether conservative or growth-oriented. Regular reassessments adapt to life changes, maintaining alignment between your risk profile and portfolio performance.
Estate Planning
We help structure wills, trusts, and life insurance to protect assets and facilitate smooth wealth transfer. By addressing inheritance tax and legal complexities, we ensure your legacy aligns with your wishes while minimising administrative burdens for beneficiaries.
People
Nic Carlton-Smith
Director & Life Planner
Nic Carlton-Smith leads with a philosophy of using wealth to create fulfilling futures. With decades of experience, he specialises in holistic financial planning, combining technical expertise with empathy to guide clients through retirement and estate strategies.
Questions
When should I start planning for retirement?
The earlier the better. Starting early leverages compound growth and tax benefits, though we work with clients at all life stages to optimise retirement readiness.
Do you have a minimum investment requirement?
While we typically work with clients investing £250,000+, we assess individual circumstances to develop strategies suited to varying portfolio sizes.
How do you assess investment risk?
We use the FinaMetrica psychometric test to determine your risk tolerance, ensuring investments align with your comfort level and financial goals.
Can you help with business owner financial planning?
Yes. We specialise in transitioning business wealth into personal retirement strategies, minimising tax exposure while ensuring long-term financial stability.
How are investment portfolios monitored?
Portfolios are reviewed regularly, with performance updates provided through our myWealth app and annual reports, allowing timely adjustments to market changes.
What areas do you serve?
Based in Stowmarket, we primarily serve Suffolk, Norfolk, and surrounding regions, with clients across the UK benefiting from our remote advisory services.
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