Financial Planner Wealth Management

Michael Bell-Smith

Role: Financial Planner
Dept: Wealth Management
Location: Preston
Direct Dial: 0345 0702835
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Michael has gained a wealth of experience during his 27 years as a financial adviser and is a specialist in investment management, inheritance tax mitigation and retirement planning.

Working hard to understanding a client’s lifetime goals is at the heart of Michael’s role. This enables Michael to put in place a long term strategy which is focused on what is important to his clients now and in the future.


Michael joined the Napthens Wealth Management team in 2014. He commenced his career in the financial services industry in 1987 when he joined Pearl Assurance. In 1995, he joined HSBC as an independent financial advisor and in 2009, joined the Ludlow Wealth Management Group. Michael is married with 4 children and lives in Lytham St Annes.

Memberships and Awards

Michael is a member of the Chartered Insurance Institute Diploma and holds a Diploma in Financial Planning. He also holds a specialist qualification in Long Term Care Planning.

Napthens Wealth Management Ltd is an appointed representative of Ludlow Wealth Management Group Limited which is authorised and regulated by the Financial Conduct Authority. 

More about Michael Bell-Smith

Describe yourself in 3 words: 
Hardworking, reliable and tenacious

How do you like to relax out of work?
Having 4 children means that I am always at the side of a football, hockey or rugby pitch every weekend. I am also a coach of a junior football team.

What is your proudest achievement? 
Apart from getting married to my wife and my four great children, my most proudest achievement was when I reached the summit of Manua Kea, in Hawaii.