Joe McArdle
SP Financial Management Limited - Chartered Financial Planners
Minimum savings/pensions: Over £50,000
Minimum mortgage: Over £100,000
0330 038 8939
Based in Rayleigh
View locationChecks carried out by VouchedFor
FCA status: Certified by Firm
Last checked: 22 February 2025
Joe is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Joe's status
8
Recent Client Reviews
Verified reviews: 100%
Joe has received 8 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
Last checked: 04 December 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
9
Qualifications Uploaded
9 qualification certificates available to view
Joe has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Joe has provided information on their typical fees
Joe has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
15
Positive First Impressions
100% of users who are not yet clients had a positive first experience with Joe
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Joe (based on 15 first impressions)
Checks carried out by VouchedFor
FCA status: Certified by Firm
Last checked: 22 February 2025
Joe is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Joe's status
8
Recent Client Reviews
Verified reviews: 100%
Joe has received 8 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
Last checked: 04 December 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
9
Qualifications Uploaded
9 qualification certificates available to view
Joe has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Joe has provided information on their typical fees
Joe has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
15
Positive First Impressions
100% of users who are not yet clients had a positive first experience with Joe
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Joe (based on 15 first impressions)
I whole-heartedly believe in providing independent financial advice by listening to what is important to you and understanding your financial goals, allowing me to provide you with expert advice over your lifetime and a financial plan that is tailored to you and your circumstances. I specialize in Pension/retirement, Investment and Inheritance Tax planning advice to help grow and protect your family's wealth. Alongside these areas, I also provide advice in relation to Mortgages, Equity Release and Protection planning advice. Should you be interested in a free, no obligation, initial consultation please contact me.
Offers available through VouchedFor
Contact Joe through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Joe's clients
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