About us

Well, it's not really about us, it's about you.

We're here to listen  

We recognise the multitude of questions and concerns that arise for professionals and business owners when it comes to their financial assets and desired lifestyle.

That's why we are dedicated to providing tailored answers and assistance to address your unique needs.

When you choose to partner with Smart Financial, you can be confident that your financial affairs will be meticulously organised, simplified, and made clear. 

Our team of experts not only offer necessary guidance, but also take the time to understand your individual goals and aspirations. We work closely with you to develop a comprehensive financial plan that aligns with your lifestyle choices, ensuring that every aspect of your financial situation is carefully considered and optimized.

Our values

Constantly Striving

to achieve more for our clients and for the business

Mind & Body

two inextricably linked elements that need to be balanced for our clients and ourselves


helping our clients to take responsibility for their future. Ensuring we take responsibility internally for delivering what our clients need


providing the support, information and tools required to enable both clients and staff to achieve their own goals and objectives


in thought, approach, systems, processes and attitude


A considered, effective approach to success

We exclusively invest in reliable long-term, low-risk, and cost-effective solutions that offer the highest probability of achieving those objectives.

We help you relinquish the stress and uncertainty that often accompanies managing your financial assets. By empowering you to make informed decisions, we help you to enjoy the lifestyle you've always envisioned.

Our primary goal is to help clients achieve their lifestyle aspirations and goals without the fear of financial instability, through the provision of exceptional financial and wealth advice, as well as intelligent management of investment portfolios.

Meet the team

As independent financial planners, with exclusively CFP-qualified advisers, you can be assured that our advice is fair, unbiased, and unrestricted. We thoroughly assess all suitable products in the market and provide appropriate advice to meet your objectives.

Steve Martin


Steve Martin established Smart Financial in October 2008 and serves as its Chief Exec.

Michelle Martin


Michelle Martin established Smart Financial alongside husband Steve in October 2008. She is the Head of Finance and is the principal point of contact for Smart SSAS.

Tamsin Caine

Director of Financial Planning

Tamsin Caine heads our client-facing team, with responsibility for looking after a large section of our valuable client base.

Charlene Love

Chartered Financial Planner

With over 12 years of experience in the financial services profession, Charlene brings a wealth of knowledge and expertise to our team of financial planners.

Michelle Reilly

Practice Manager

Michelle Reilly is our Practice Manager having joined us in April 2022.

Steve Thomson


Steve Thomson is the Director of the Change The Future™ programme along with Steven Martin.

Our awards



We are a team of experienced and highly qualified professionals who want to help you get the most from your money so that you can achieve your life goals.

“I already had pensions and investments in place but needed somebody to manage and advise on them. To date Smart Financial have assisted with a pension and savings review and also advised on insurance policies - everything that has needed attention has been efficiently and satisfactorily dealt with. I am very satisfied with the service I have received from them, I feel very confident in their ability and knowledge and the staff members are extremely personable and approachable. I am very happy with everything so far and looking forward to working more with Smart Financial”

Barbara Harrison

“I have used the services of Smart Financial Planning since the company started. The owner was my old companies' pension adviser. Smart Financial conduct regular reviews of my financial planning needs. In the last 6 months they have offered specific advice on the construction of my private pension to enable me to continue contributing to the level I wish. They at the same time gave specific advice on investment for lump sums requiring maximum financial security. In this task Smart Financial fully understood my requirements and asked pertinent questions of my situation. I am happy with the changes to my pension structure and the other investment advice given. I feel I am set up to achieve the objectives my family has set for the next few years.”

George Hughes

“Advice was needed on personal financial planning; in particular long term investments in view of impending retirement. Smart Financial completed a full analysis on risk appetite of myself and my wife led to recommendations for a structured portfolio balancing lower and higher risk and short and long term investments. Initial indications are positive about the outcomes. I can think of nothing that could have been done better.”

Steve Wurr

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