Terms of Business

S&M Financial Planning Ltd

S&M Financial is a trading style of S & M Financial Planning Ltd which is authorised and regulated by the Financial Conduct Authority with a Firm Reference Number (FRN) of 920482. We are authorised for mortgages and non-investment insurances and for credit broking. S & M Financial Planning Ltd is registered in England & Wales, No 11934106. Registered Office: 223 St. Albans Road, Watford, WD24 5BH.

We are a full member of the NACFB association.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.