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Angus Stephens

Financial Adviser DipPFS in Dartford

A little bit about Angus

I specialise in helping NHS doctors, particularly those balancing NHS work with private practice.

My focus is helping them plan for the future and manage the more technical aspects of their finances, such as their NHS Pension, Annual Allowance and Ltd company complexity.

I find that these areas often need to be considered together to get the full picture.

Find out more about me below.

Start the conversation

Let’s work together to see how professional financial advice could benefit you.
Contact me today

Understanding the Autumn Budget

Changes announced in the Autumn Budget could have an impact on your finances, both now and in the years ahead.

Our guide explains the key announcements and provides a useful overview of the changes you may want to consider as part of your financial planning.

For help understanding how the Autumn Budget could impact you, get in touch with me today.

Download now

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. Investing can help your money grow over time, but the value of investments can go down as well as up.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Approver Quilter Financial Services Limited. October 2026.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.
J.B NHS consultant
I had an excellent experience with Angus. He spent a full 90 minutes walking me through my pension options and several other important financial areas. His explanations were clear, practical, and genuinely valuable. I left the meeting feeling far more confident and informed about my financial future. Highly recommended.
F.R NHS consultant
Angus is very knowledgeable in the area of finance and pensions. He arrange meetings convenient for us and answered all our questions thoroughly. Would highly recommend. Thanks Angus.

Angus' location

Dartford
Kent
United Kingdom

Angus is located in Dartford and offers expert financial advice to suit your needs.

The NHS has been part of my life from a very early age. As a single parent, my mother often brought me to her work at the clinical skills lab at Whipps Cross Hospital, where I gained an early appreciation of the demands placed on hospital doctors.

When I entered financial services, I chose to join a firm that worked exclusively with hospital doctors. Over the years that followed, I supported around 100 NHS consultants and developed a detailed understanding of the financial challenges they face.

If you would value speaking to someone who understands your professional world as well as your NHS pension, I would be happy to have an initial conversation.

What to expect

In advising you, I follow a simple and trusted 3 step process:

1. Free intro call to understand your needs

We will arrange a time to talk about your goals and plans.

2. Personalised plan

I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.

3. On going check-ins, on your terms

I'll be there as your financial adviser to give you the support you need.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 13 May 2026.