Your Team

Meet Tamsin

Tamsin Caine, our Director of Financial Planning and Chartered Financial Planner, has a strong background of over 20 years in the financial services profession. She began Smart Divorce following her own experience with divorce; she now advises people in the same situation as she once was, enabling them to take back control of their life and finances. Tamsin hosts The Smart Divorce Podcast and Smart Divorce YouTube channel. She also co-authored “Your Divorce Handbook; It’s What you Do Next That Counts”. In 2022, she was awarded the Resolution award for Working in Collaboration and the Women in Financial Advice’s Financial Adviser of the Year – North West, as well as being shortlisted for the award for Working with Vulnerable Clients.

Tamsin is exceptionally well qualified. She is a:

• Chartered Financial Planner
• Resolution Accredited Divorce Specialist
• Holds a Masters in Financial Planning and Business Management
• Fellow of the Personal Finance Society
• Member of Resolution, co-chairing the Working Together Committee and sitting on the Greater Manchester regional committee
• Level 2 accredited in Recognising and Responding to Economic Abuse
   
  

Tamsin’s top five tips

1. Ensure your values flow through everything you do
2. Give yourself a break
3. Pay it forward
4. Keep learning
5. Keep reviewing your plans as things change

Meet Steve

Steve established Smart Financial in October 2008 and serves as its CEO. He has around 20 years’ experience in the profession, having been a Partner and Managing Director at previous firms and is a Chartered and Certified Financial Planner (CFP), a holder of the Investment Management Certificate and a former Assessor of the CFP licence.

Steve was an active member of the Manchester branch of the IFP before its amalgamation with the CISI, holding the position of Chair from 2009 until 2014. He also used to sit on the Financial and Legal Sector Panel. He speaks regularly at Financial Planning meetings around the country and is also a regular contributor to a wide range of feature articles on financial and money management related subjects across trade, local and national press.

Steve also leads Financial Planning Training Academy, a specialist training business set up to train financial advisers to become accomplished Financial Planners.

Steve is married to Michelle and they have two boys, he is a keen runner and crossfitter, an Ironman triathlete and is a committed fund raiser for the Cystic Fibrosis trust and other related charities. He has recently competed in the CF Warrior Games where his team raised over £14,000 for the CF Warrior charity.

Steve’s next target is to run a sub-3 hour marathon which he had hoped to achieve in Manchester in April 2020 however circumstances continue to conspire against him!

As the needs of the business’ clients changed, Steve established Smart Trustee Services Limited (Smart SSAS) in 2011. In 2012 Smart Business Financial Planning was established and now is time for our Change the Future™ program.

Meet Michelle

Michelle Reilly is our financial planning assistant and the newest member of the team at Smart Financial, having only joined us in April 2022. Michelle is our main point of contact for all clients, alongside Tamsin Caine. Michelle is an International Compliance Association accredited professional with over 10 years’ experience in financial services. During her career, Michelle has worked in financial compliance, financial crime and data protection, initially in an advisory and audit role and later being responsible for creating and delivering best practice training sessions to teams in both the UK and India.

Michelle has two young boys, Mason and Cian. In her spare time, she is a keen photographer, and enjoys spending time with her family, going for walks and keeping fit at the gym.