Running a business means wearing many hats—and financial planning shouldn’t be another burden. Maria Spencer – Iceni Financial Advisers helps SME owners like you take control of your personal and business finances with clarity and confidence.
With over 20 years of experience and gaining Chartered status in 2007, Maria offers independent advice across:
🛡️ Business Protection – Safeguard your company with tailored insurance solutions for key personnel, shareholder protection, loan protection and continuity planning.
👥 Personal Financial Planning – Align your personal goals with your business success through tax-efficient strategies and investment planning.
🏦 Pension & Retirement Solutions – Build a robust retirement plan with options like Self Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSAS), designed for business owners.
🔄 Succession planning – Protecting your family’s wealth and passing it on efficiently.
Why SME Owners Choose Maria
✔ Business-Focused Insight – Business owners face unique pressures and opportunities, Maria’s advice is practical, strategic, and always aligned with your goals.
✔ Clear, Honest Communication – Complex financial matters are explained in plain English, so you can make informed decisions with confidence.
✔ Independent & Transparent – As an independent adviser, Maria offers whole-of-market solutions not tied or restricted to any particular company, with clear, upfront fee structures.
✔ Local Knowledge – based in Norfolk, working with clients nationwide.
Chartered Financial Planner – What It Means for You
Maria’s Chartered status is the gold standard in financial planning. It reflects her technical expertise, ethical commitment, and dedication to delivering the highest level of service to her clients.
Take the First Step Today
Whether you’re planning for retirement, protecting your business, or simply want to make smarter financial decisions, take the first step.
The Swarm Group are Gold Patrons of the Norfolk Chambers of Commerce
Who we are
At Swarm, we are a group of companies who work together with shared values and an absolute passion for training to help both businesses and individuals get the vital knowledge and understanding they need to thrive in their arena. We know what a tangible, and sometimes dramatic, difference embracing best practice in both management and technical skills makes to a business and its working environment and this is what drives us on a daily basis!
Swarm is proud to be a Community Interest Company, with a mission to help develop more enterprising, compassionate and purposeful business practices across the UK and beyond having an impact on not only the business community but also the social community around our places of work.
All companies under the Swarm brand are Norfolk based but we have evolved over our 10 years of trading to become now a National and International training provider and consultancy.
What we do
The Swarm Group is made up of:
Swarm Training
– deliver high quality Business and Engineering apprenticeships.
Our business subjects cover 5 key areas of Marketing & Market Research, Business Management, Administration & Accounts, HR & Recruitment and Supply Chain & Logistics. www.swarmtraining.org.uk
As part of Swarm Training, the Engineering apprenticeships fall under the Swarm Reagit brand whose roots have been well known in Norfolk for over 30 years. Keen to keep the name, we deliver Swarm Reagit Engineering courses covering Operations & Maintenance, General Welding, Metal Fabrication and Electrical Installation & Maintenance. www.reagit.co.uk
Swarm Bluewater
– deliver bespoke Leadership & Management training to all levels of an organisation from Supervisory through to Senior Level and any people development requirements in between.
The training can be bespoke or for specific Professional Certificates such as the ILM Level 3 and 5 in Leadership and Management.
View information about the MRS Advanced Certificate, testimonials and Request a Brochure: https://www.swarmbluewater.co.uk/mrs-advanced-certificate
Swarm Recruitment
– as part of resourcing your business with well trained staff, crucial for a stable and fruitful future, recruiting the right people in the first place is a huge part of the technique! The Swarm Recruitment team are experienced professionals delivering a personal service with specialisms in sourcing talent for Marketing, Market Research, Financial Services and Business Support teams. www.swarmrecruitment.org.uk
Level 2 Engineering Operative Standard Level 2 General Welder Standard Level 3 Pipe Welder Standard Level 3 Metal Fabricator Standard Level 3 Maintenance & Operations Engineering Technician Standard Level 3 Installation & Maintenance Electrician Standard Level 2 Carpentry
LEADERSHIP & MANAGEMENT TRAINING:
Professional Certificates: ILM level 3 in Leadership and Management Skills ILM level 5 in Leadership Skills MRS Advanced Certificate
General Management Training: Influencing & Negotiating Leadership & Followship Conflict Management Time Management Building A Winning Team Delegation Skills Dealing With Difficult People Effective Communication Skills Presenting With Impact Customer Service Excellence Wellness And Self Care Cross Cultural Working
Compassion and Community play a huge part in the life of every human being. Without those, there is all too often a deep rooted sense of missing inner peace affecting our concentration, enthusiasm, social connections and our very personalities – even without realising it. Yet, as we function in our daily lives, we often rush around and forget to make the time and space we need to recharge and to enjoy the social interactions with our families and friends which keep us grounded and healthy. In the UK, productivity is at an all-time low as the workforce struggle with their mental health, juggling to earn around family commitments, long and stressful commutes or, at the opposite end of the scale, social isolation and draining digital lifestyles. Swarm’s goal is to equip every staff member and learner with the knowledge and skills they need for their role, the self-management techniques needed for their social, physical and spiritual wellbeing to navigate their mental health and energy, as well as the appropriate working disciplines and conduct. In turn we have been privileged to see the impact that has on businesses and staff in elevating productivity, profitability, happiness at work and long term employer/employee relationships reducing business costs, disruption and loss of earnings.
Our firm values of Compassion, Family and Impact is what makes us different!