Business Details
6 Years
experience
Your Trusted Partner for Financial Planning Solutions
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 wealth protection. Our team of experienced professionals takes a holistic approach, understanding each client's unique circumstances, aspirations, and risk tolerance to create tailored strategies. We utilise advanced tools like cash flow forecasting and risk profiling to ensure informed decision-making, while our proprietary myWealth app provides real-time visibility into financial portfolios.Our philosophy combines technical expertise with empathetic service, prioritising client education and transparency. We serve business owners, retirees, and employees, offering solutions that align with individual lifestyles and future goals. Our commitment to ongoing reviews ensures financial plans evolve with changing circumstances, maintaining relevance and effectiveness over time.
Services
Pensions Advice
Investment Planning
Tax Efficiency Strategies
Life Insurance
Wills & Trusts
Retirement Planning
Business Protection
Critical Illness Cover
Financial Reviews
Risk Assessment
Details
- Year established: 2020
Highlights and features
- We provide independent financial advice regulated by the FCA
- Our cash flow forecasting system visualises your financial future
- Personalised risk profiling ensures suitable investment strategies
- Regular portfolio reviews maintain plan effectiveness over time
- myWealth app offers comprehensive financial visibility and management
Associations and certifications
- Financial Conduct Authority
What people say
Personalised service
Expert knowledge
Regular communication
Clear explanations
Proactive approach
Services
Pensions Advice
We provide comprehensive pensions guidance to maximise retirement income. Our experts analyse existing pension arrangements, recommend tax-efficient contributions, and develop withdrawal strategies. We specialise in final salary schemes, workplace pensions, and self-invested personal pensions (SIPPs), ensuring clients understand their options while complying with HMRC regulations. Our approach balances growth potential with risk management to create sustainable retirement income.
Investment Planning
Our investment planning service creates diversified portfolios aligned with risk profiles and financial goals. We offer access to various investment vehicles including ISAs, investment bonds, and company investments. Regular portfolio reviews ensure optimal performance, with adjustments made according to market conditions and personal circumstances. We focus on tax-efficient structures while maintaining liquidity for changing life requirements, combining strategic asset allocation with ongoing performance monitoring.
Tax Efficiency Strategies
We develop bespoke tax planning solutions to minimise liabilities across income, capital gains, and inheritance taxes. Our strategies utilise available allowances, exemptions, and reliefs while maintaining compliance. We specialise in complex tax situations for business owners and high-net-worth individuals, creating structures that maximise after-tax returns. Our approach considers both immediate savings and long-term tax implications within overall financial plans.
Wills & Trusts
Our estate planning service ensures wealth transfers according to client wishes while minimising inheritance tax exposure. We create legally sound wills, establish appropriate trusts, and implement gifting strategies. We coordinate these arrangements with overall financial plans to maintain liquidity for beneficiaries. Our approach considers family dynamics, charitable intentions, and succession planning for business owners, ensuring comprehensive wealth preservation and transfer.
Life Insurance
We design protection strategies to safeguard financial security against unforeseen events. Our life insurance solutions cover income replacement, mortgage protection, and business continuity needs. We assess appropriate coverage levels based on individual circumstances, balancing premium costs with protection requirements. We offer term life, whole of life, and critical illness cover, ensuring policies adapt to changing life stages while maintaining affordability.
People
Nic Carlton-Smith
Director & Life Planner
Nic Carlton-Smith is a qualified financial planner with extensive experience in wealth management. He specialises in creating holistic financial strategies that combine investment planning with lifestyle aspirations. With a focus on client education, he helps individuals understand complex financial products while maintaining regulatory compliance. His approach prioritises long-term relationships and adaptive planning.
Questions
What services do you offer?
We provide comprehensive financial planning including pensions, investments, tax efficiency, wills & trusts, life insurance, and retirement strategies tailored to individual circumstances.
How do you assess risk tolerance?
We use FinaMetrica's psychometric risk profiling system to determine your risk tolerance level, ensuring investment strategies align with your comfort and financial goals.
What investment approach do you use?
We employ a risk-managed approach prioritising capital preservation while seeking appropriate returns, with ongoing monitoring and adjustments as needed.
How often are financial plans reviewed?
We conduct regular reviews and provide ongoing communication to ensure your financial plan remains aligned with your evolving needs and market conditions.
What technology do you use?
Our myWealth app provides real-time portfolio visibility, cash flow tracking, document storage, and secure communication for comprehensive financial management.
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