Tel: 01923 751 215

S&M Financial Planning Ltd

Our Background

S&M Financial Planning Ltd is an independent specialist finance firm, with their office in Watford, London. Both Sumith and Malitha have been involved in the world of accountancy and finance for both individuals and businesses for over a decade.

At S&M Financial Planning, the needs of our clients come first. We strongly believe in the importance of working together to build rewarding relationships and working closely with our clients enables us to help them fulfil and achieve their objectives.

Sumith and Malitha Herath set up S&M Financial Planning Ltd in 2019. Their goal has always been to offer the best advice possible with great service and communication and to provide all our clients with quality independent financial advice.



How we can help

S & M Financial is a specialist finance intermediary firm based in Watford, London and offering services to both individuals and businesses. The directors of the firm, Sumith and Malitha, have a strong accounting and finance background and have been supporting clients in their financial affairs for over a decade.

Our ethos is to ensure that we place our clients first and work with them to ensure that they can achieve the outcomes that they are seeking whether this is for a business loan, residential mortgages; commercial mortgages; buy to let mortgages; life & critical illness protection or general insurance.

We believe that we can best serve our clients by working with them and championing their cause with appropriate product providers, helping to build strong and rewarding relationships that last beyond the immediate needs and objectives an encouraging our clients to come back to us time and again.



Communication and trust is key

Communication is key, and from the beginning we will provide you with clear and unambiguous information to ensure that you are kept up to speed with progress towards your desired objective and that the products and services that we offer match your demands and needs. For mortgages and loans as well as for insurance and protection, we offer an advised service. This means that we will recommend products to you after we have undertaken a factfinding exercise on your requirements.

We tell you more about our products and services when we first speak with you.

We are authorised and regulated by the Financial Conduct Authority and you can check us out on the Financial Services register under the reference 920482.




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