Financial Adviser DipPFS in Bristol
My family’s financial life has been genuinely complex — running our own companies, periods of self-employment, sabbaticals, high earnings with the tax complexity that brings, and two years living abroad. As a qualified Financial Adviser and ACCA qualified Accountant, I now specialise in those with complex financial lives who need more than an off-the-shelf solution — helping them make confident decisions and make their money work as hard as they do.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, but there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Home contents insurance, buildings insurance.
My career spans two disciplines that rarely sit in the same person. I am both a qualified Financial Adviser and an ACCA qualified Accountant with over a decade of commercial finance experience. That combination means I see your whole financial picture, not just the investments, but the tax, the structure, and the long-term strategy.
The reason I became a financial planner is personal. My own finances have been genuinely complex, and working through them led me to take my financial adviser exams, originally just to learn. I quickly realised that many people in similar situations had the means but lacked the confidence to act.
Who I work with
I work with people whose money could be working harder, but who haven’t quite got on top of it.
Senior professionals and managers: Those with equity compensation, RSUs, options and LTIPs, where planning needs to reflect the full picture.
How I work
Every client starts with a proper conversation. I take the time to listen and understand your entire situation, asking the right questions to build a full picture before making any recommendations. I build plans that account for everything, not just the straightforward parts. And the relationship does not end there. I work with clients on an ongoing basis, because your plan should evolve as your life does.
Outside of work
I live in Bristol with my wife. We love travel — extended trips across South East Asia and South America, two years in Italy — as well as food, cooking, and the occasional well-crafted cocktail.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
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.
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 01 August 2022.
