Looking for a team sport and a reason to do some exercise, George joined Rock Rowing Club in early 2012 as a complete novice rower, although a very keen one. Rock is set in the idyllic Camel estuary opposite the well know harbour town of Padstow and is also in one of the driest parishes of Cornwall.

The training is arduous and requires a good amount of dedication as the club trains right through the summer and winter seasons, come rain or shine! There are normally a couple of training sessions each week with regattas on most weekends during the summer. The season seems to be back to front, with the World Championships happening in May, the beginning of the summer regatta season, at St Mary’s island in the Isles of Scilly.

This year was the 25th anniversary of the competition and Rock had several crews out there. Whilst the ladies Vets came in a very close second place, most of the other teams did pretty well also. The Men’s A team came in about a third of the way through the 147 boats with the Men’s B team about two thirds of the way through, although they did top their group. Competing in the Men’s B team was Sandy Towers, aged 87! This truly is living to the max.

The past few weeks in Cornwall have been glorious and rowing in the sea becomes an absolute pleasure. George often comments how wonderful it is to be out on the water in the really enjoying all that life has to offer.

We support the Cornwall 100 Club (C100), which is part of the Cornwall Community Foundation (CCF), both financially and by providing our time and expertise. The latest Grants Panel meeting in March 2014 had applications totalling over £32,000 to appraise and decide whether to support. After much deliberating on the many worthy causes, 10 applications we agreed to be supported. The total amount to be granted out was £17,694. An amazing amount really going towards groups such as St John Village Hall, The Seeds Project and Falmouth & Penryn Sea Cadets.

Another project that was supported was The Sculpture Workshop CIC in Wadebridge. They were seeking funding to deliver unique creative workshops to people who have never been sculpturally creative before and enable them to unlock their own talent. The workshops have been developed over several years to a point where anyone of any age, gender cultural or academic background can participate, engage and benefit from this activity. With this project they will target those hard to reach like young parents, carers, those suffering bullying or social isolation. George was delighted to be able to visit their base and present them with a cheque for £1,899 towards their latest project.

The next round of Grants will be awarded in September and for more information please do visit the C100 website.

Cornwall and Suffolk based Independent Financial Advisers, Carlton Smith Private Wealth, have had their 2 advisers, Nic and George, both voted as one of the top 200 Rated Independent Financial Advisers (IFAs) in the UK by their clients.

George and Nic have been an advisers at Carlton Smith Private Wealth for 3 years, since it was established, and their achievement will be announced in The Times on Saturday 19th October.

Comments Nic: “There are over 20,000 Independent Financial Advisers in the UK so we’re thrilled to be in the www.VouchedFor.co.uk Top 200. What makes it even more special is that we’ve been selected thanks to our clients. It means a lot that they’ve gone out of their way to support us and we’d like to thank them all.”

Continues George: “We’re passionate about independent financial advice. While talking about how to look after your money isn’t ‘sexy’ with a growing pension and savings gap planning your financial future is more important than ever. In a nutshell that’s what financial advice is all about – making sure you make the most out of your hard earned cash and aren’t left short of funds in retirement or on a rainy day.”

Nic and George Carlton-Smith were selected as a result of local clients reviewing and rating their services on consumer ratings website VouchedFor.co.uk. The site, which enables people looking for financial advice to find a recommended IFA, works like TripAdvisor. You can search for an adviser free of charge based on location and services provided. Advisers are then listed based on client reviews giving those seeking advice confidence that the adviser can be trusted.

For tips on financial planning, take a look on http://www.cspwealth.com/financial-future-security.html

George, always being up for a challenge (and not just as an IFA in Cornwall), took part in the Tough Mudder South West 2013 event this weekend. He was joined by a couple of friends from Truro and together they entered as “Team Dreckley” – dreckley being the Cornish interpretation of the Spanish word manana, but with much less haste!
The event course was a punishing 11.5 miles through hilly terrain, woods, a river and about 20 obstacles thrown in for good measure. These ranged from a simple dip, swim and duck under in a pool of ice cubes to the mud mile (literally a mile of mud to run through) and not forgetting Everest – a 15 foot tall quarter pipe of shiny plastic, watered down to ensure it’s not too easy. There were also plenty of walls to get over, things to climb across, tunnels to go through, water and mud, lots of mud.

6 months of training paid off and team Dreckley completed the course in a little over 3 hours, with no injuries and a huge sense of achievement. Upon crossing the line all finishers were presented with a well-earned pint!

After depositing shoes that were now not fit for purpose, a quick wash in a very basic cold shower (nothing about this event is for the feint hearted) it was time for some food and then onto the after party.

The only question remaining was would George do it again? Yes, but on a different course so he wouldn’t know what was round the next corner!

With the aim of making the most of the August Bank Holiday weekend, George set off on a kayaking adventure with Truro Round Table on the Friday evening. Perhaps not the expected Friday night out for a Financial Planner in Cornwall!

The trip started with a waterside briefing from Peter Stephens of Westcountry Watersports at Mylor Marina. This was straight forward enough and the motley crew were soon on the water and paddling through the boats of the marina.

Progress was swift as they followed the coast and were soon heading past Restronguet Point and up the Kennal. Despite an early temptation, the Pandora Inn was bypassed where plenty of holiday makers were enjoying the evening.

The scenery around this part of the creek was amazing and seeing it from the water made it even more special. Had fishing rods been taken, there would have been Bass for dinner, they were everywhere!

Alas, the trip rolled on and everyone was soon back at the marina. Following a quick debrief and having given thanks to Peter, it was off to the Pandora Inn for a well-earned supper, and of course the obligatory pint! What a fantastic start to the weekend.

George, along with his wife and several friends and clients went sailing on the Solent from Lymington Marina on Saturday. After an evening spent in the heart of the New Forest, departure was at around 10:00 am from the Lymington Yacht Haven.

A glass of fizz had been arranged once the all important safety briefing had been completed, which was the perfect start to the days activities. Our boat for the day was Moon Child, a beautiful Jeanneau 45DS.

After a short motor out of the marina, the sails were hoisted and the fun continued. The weather was glorious with enough wind to really get to grips with sailing and most of those attending had a go on the ropes or taking the helm at some point during the day.

After a couple of hours on the water it was time to stop for some lunch, and a go in the water for those that dared! Several people, George included, went for a pre-lunch dip off the stern to build up an appetite. The boat had dropped anchor in a sheltered spot and the sun continued to shine.

For lunch a spicy chicken tagliatelle had been prepared by the boat crew with an apricot tart for desert. This went down very well after the mornings activity. The anchor was then raised and the boat set sail again.

The wind had picked up over lunch and once the headland was cleared, the yacht really began to shift. Taking the helm in these conditions was not for the feint hearted, but proved very exciting. The sails had to be sheeted in a little as the wind continued to pick up. Being the end of Cowes week, this must have been perfect weather for the racing taking place in the distance.

After another couple of hours sailing in great conditions it was time to head back to shore. With the boat in its berth and everything stowed, there was still time for an aperitif before dinner. Everyone headed off to a quiet pub in the New Forest for the evening.


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