Spence Financial Ltd is a Limited Company registered in England and Wales. Registered no. 14213733. Registered Office Loft 6, Ocean House, Clarence Road, Cardiff, CF10 5FR. Spence Financial Ltd is an appointed representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 197107. Spence Financial Ltd FCA number 982111.

This website is for information purposes and does not constitute financial advice, which should be based on your individual circumstances. The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.