David A Smith

Areas of expertise

David specialises in:

David specialises in retirement planning, investment advice and inter-generational strategies including inheritance tax mitigation. As well as his general financial planning expertise, he has specialist experience assisting clients in the higher education sector resulting in his leadership of the UK University Specialist Advisory Team.

He is a qualified Chartered Financial Planner who also holds the designation of Chartered Wealth Manager.

Experience

David Smith is a ‘Scottish Chartered Wealth Manager of the Year’ with over 25 years’ experience helping people to effectively and efficiently meet their financial objectives.

Notable client work and achievements

As an experienced Chartered Financial Planner, I offer high net worth clients bespoke advice and guidance. My key objectives are to help clients achieve their own goals and ambitions though careful and ongoing recommendations.
More recently I attained the position of Director in the company, this was in recognition of the high level of service provided to my clients and colleagues.
My specialist areas include the university and health sectors. I provide seminar support in many large institutions , providing presentations on holistic financial planning and specifically retirement planning.

Some key areas I have recently been working on with clients;
- How best to use pension tax relief in order to potentially retire earlier than originally planned.
- Bespoke investment advice and constructing suitable solutions for medium to long term growth.
- Assisting with Annual and Lifetime Allowance concerns and how to adapt pension accrual accordingly.
- Completing estate planning strategies in order to pass on wealth more efficiently and effectively.

Professional qualifications and memberships

Chartered Financial Planner (Cii)

Chartered Wealth Manager (CISI)

Chartered Banker (MCIBS)

Fellow of the Personal Finance Society