About Michael Smith

Michael Smith

Cert PFS CeMap

I have been working in the financial services industry for over 20 years and have the knowledge and experience that you need to be confident that you are in safe hands.


My expertise covers the broad spectrum of financial planning and will help you and your business to:

  • Aim to grow your wealth, specifically through our distinctive approach to investment management;
  • Preserve assets for long-term financial security;
  • Adequately protect assets from potential threats;
  • Effectively manage capital and borrowings.

At the heart of my service is a belief in effective communication to ensure that clients are kept informed of issues that may affect their financial well-being. As such I regularly publish a range of newsletters exclusively for my clients, including a weekly Market Bulletin and St. James's Place also provides a quarterly magazine, The Investor.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.


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Mike has been our adviser for some years now. He has looked after us with diligence always with our best interests in mind, he has given us sound, clear and reliable advice. We have recommended him to a number of acquaintances and we have always received positive feedback. We look forward to continu...
Eric Bowyer |Retired, Newark-on-Trent

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The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

Cedar Financial Planning Ltd is registered in England and Wales, Number 05983165. Registered Office: 83 Main Street Kings Newton, Melbourne, Derbyshire, DE73 8BX.