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Matthew John Spence, APFS, RLP®


Sutherland Independent Limited
36 North Castle Street
Edinburgh, Midlothian EH2 3BN
UK, Scotland
Phone: 0131 225 3333
Mobile: +447739705323
Email: matthew@si-ltd.co.uk
Website: https://www.sutherlandindependent.co.uk
Training: Active Registered Life Planner® more info

Specialties
Retirement, investment, tax, estate, insurance, education, divorce, sudden wealth, transition, business succession planning

About My Practice
Based in Edinburgh, Sutherland Independent currently has 5 advisers, with support from a team of administrators and paraplanners. The company has continued to expand since Jason and Ruth Betteridge took over the firm in 2007, and has held the Chartered status in 2014.

About Matthew Spence
I have been working with clients since 1998, and have evolved how I work with them over these years to ensure they get the best out of what we do together. Keen cook, and have a passion around sports and fitness.

Ideal Clients
Clients who want a full financial life planning experience, and the services are particularly useful to anyone dealing with change (divorce, career change, retirement, bereavement).

Qualifications
Ideal client would be in the range of 40 to 60, typically professionals, who wish to get the best out of life

Compensation
Work is fee based, and fees for the initial work will depend on the complexities of the client's situation. Ongoing fees are a percentage of assets. Where commission is available on certain types of contract (protection), this can be used to offset fees. Any surplus commission is used to reduce premiums for said protection

Industry Start Date
1998