David R Smith

BSc (Hons), MSc, DipPFS

David has worked in the investment and financial services industry since 1999, across roles ranging from assisting traders in the City at investment banks to providing client-facing financial advice. Through this combined experience, David has advised numerous SME businesses and private clients across the UK.

He set up Forethought Financial because he believes people should have a clear understanding of their finances without being overwhelmed by statistics and jargon. He actively educates others on how to plan and save for their long-term goals in an accessible way, giving clients confidence in the process.

David leads Forethought Financial with a calm, steady hand and a genuine belief that good financial planning can change the course of someone’s life. With decades of experience and a people-first approach, he focused on building a firm where clients feel understood, supported, and confident about their future. David is passionate about creating a culture where long-term thinking, integrity, and human connection sit at the heart of every decision.

Outside of work, David is passionate about health, fitness, nutrition, rugby, and football. Socialising, family, adventure, and networking are important to him. Having travelled around the world as a naval child, he has settled in Cheshire and loves the countryside, as well as the proximity and rich heritage in and around Manchester.

Accreditations

Prestigious industry status recognises the value I place on my development and gives clients the confidence that they are supported by one of the UK’s leading wealth professionals.
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Addresses

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The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

Forethought Financial is a trading name of Smith & Associates Wealth Management Ltd. Smith & Associates Wealth Management Ltd is registered in England and Wales, Number 08494358. Registered Office: The Stables Hollybush Barns, Pickmere Lane, Knutsford, WA16 0HP.