Independent Financial Advisers · Est. 2002
Financial advice that is truly your own.
We are Espiene — an independent, impartial firm helping individuals and businesses across Essex and Norfolk plan their pensions, investments, protection and mortgages with clarity and confidence.
Welcome to Espiene
Impartial advice, built around you.
As Independent Financial Advisers, Espiene Limited is authorised to deal with many forms of financial services. We provide a professional, impartial service to our clients on a wide range of subjects — helping with both personal and corporate financial planning.
We do not believe in a “one size fits all” approach. Instead, we take the time to listen to your views and objectives, then together agree a bespoke course of action suited to your own situation and circumstances.
Our Services
Everything you need, under one roof.
We advise individuals and businesses on practical, relevant solutions to help meet their financial objectives. Our advice falls into two areas: investment and pension, and mortgages, protection and equity release.
Savings and Investments
ISAs, funds, bonds and portfolios matched to your goals, timescale and attitude to risk — designed to grow.
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Pensions
State, workplace and personal pensions, SIPPs and drawdown — advice to help you retire the way you want to.
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Mortgages
From first homes to remortgages and lifetime mortgages — we help you find and secure the most suitable finance.
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Protection
Life cover, critical illness, income protection and business protection — safeguarding your family, income and future.
Learn more →We also advise on equity release for homeowners aged 55 and over, including lifetime mortgages. Read more about equity release →
Why Espiene
Advice you can trust, for the long term.
Most of our clients come to us through personal recommendation and referrals from professional introducers — solicitors and accountants we have worked with for years, built on excellent service and trust.
- Genuinely independent and impartial — the whole of the market, not one provider
- A bespoke plan shaped around your goals, not a template
- Two founding directors with the Diploma in Professional Financial Advice
- Face-to-face advice at our Essex and Norfolk offices, or wherever suits you
Planning Tools
Interactive calculators to picture your future.
Explore five free tools — from retirement budgeting to inheritance tax — for an instant, indicative view of where you stand. A perfect starting point for a conversation.
Retirement Budget Planner
See whether your retirement income covers your lifestyle — surplus or shortfall, visualised.
Open tool → 02Inheritance Tax Calculator
Estimate the potential IHT your estate could face — and start planning to protect your legacy.
Open tool → 03Mortgage Repayment
Work out monthly repayment and interest-only costs for any amount, term and rate.
Open tool →Client Reviews
Trusted by clients for over 20 years.
“Used Sandra for over 10 years — always finds a great deal with great service.”
Been advised by Espiene?
We would love to hear about your experience. Your feedback helps others find advice they can trust.
Leave a review →100% recommended
Read what our clients say, and see why so many come to us through personal recommendation.
Read all reviews →Our Offices
Local advisers in Essex and Norfolk.
Prefer to speak in person? You are always welcome at either of our regional offices.
Norfolk Office
East Harling
Want to know more?
Let us have a friendly, no-obligation chat about your plans.
Call us on 01953 718417 or email admin@espiene.com.