Established in 2006, the team at SME Solutions has many years’ experience providing practical financial planning advice to people, families and businesses in York and the surrounding area.
We provide advice across a wide range of services including pensions, investments, business protection, personal protection, Inheritance Tax mitigation
We are committed to putting both our business and personal clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client, and to implementing tailored financial plans to address those needs.
At SME Solutions, we pride ourselves on the friendly and approachable nature of our advisers and staff.
Tom Charters Financial Planner & Managing Consultant
Tom holds the Diploma in Financial Planning and is a Financial Planner.
He is a member of the London Institute of Banking & Finance and holds a Statement of Professional Standing.
A personalised service is provided to clients, many of whom have been receiving advice for more than 20 years. This long term commitment helps individuals gain an insight into their financial future and build reassurance.
Key financial planning areas are:
-Assessment of family and business circumstances to help individuals understand their arrangements and to formulate an action plan to achieve agreed objectives.
-Working with individuals to help them invest wisely for their future, paying close attention to costs, whilst achieving the right balance of risk and market exposure. Risk is cross referenced against their strategic action plan to ensure both elements are aligned.
-Delivering tax efficient investment solutions.
-Exploring retirement planning and examining what shape this should take when work commitments are being reduced.
-Protecting and managing wealth with regular updates and reviews.