Joanne Hobson
Financial Planner DipPFS in Manchester
A little bit about Joanne
I’ve been in financial services since 2003, starting as a mortgage and protection adviser before becoming a Financial Planning Consultant in 2009. Over the years, I’ve supported a wide variety of clients - from families and business owners to individuals planning for retirement. My aim is simple: to help you make the most of your money and feel confident about your financial future, with friendly, jargon-free advice tailored to your unique goals.
Start the conversation
Get in touch if you’d like to discuss how I can help you with windfalls and lump sums.
Contact me today
An adviser’s insight
If it’s time for financial advice, I can help you
Coming into a sum of money can be exciting and overwhelming at the same time, especially if it’s sudden or unexpected. And while you’re trying to process all the emotions involved, you’ll probably have to make some important financial decisions as well.
Whether you’ve received an inheritance, a windfall, or a lump sum from work, having an adviser to help guide you and make a sensible plan can take away some of the stress and worry so you can focus on the benefits.
I can help you understand all the different options available to you, taking advantage of any allowances so your money works as tax-efficiently as possible.
I can also help you adjust your financial plans or make completely new ones by showing you how the choices you make today could impact your future.
Together, we can put your money to work in a way that helps you feel confident about the future.
Tax treatment varies according to individual circumstances and is subject to change.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
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.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Mortgage
First time buyers, remortgages, buy-to-let.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Qualifications
Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Certificate in Mortgage Advice and Practice - Level 3
- CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.
Certificate in Long-Term Care & Later Life Planning
- CertLTCP is a specialised qualification covering the UK long-term care planning environment, including the responsibilities of the NHS and local authorities, long term care insurance and the financial assistance options available.
Location
Joanne's location
Manchester
United Kingdom
Joanne is located in Manchester and offers expert financial advice in all over the UK including London
More about me
Since graduating from university in 2003, I’ve built a fulfilling career in financial services. I began as a mortgage and protection adviser, then progressed to becoming a Financial Planning Consultant in 2009. Over the years, I’ve had the privilege of working with a wide range of clients - including families, business owners, company directors, and individuals approaching or enjoying retirement.
I offer expert advice across the full spectrum of financial planning. My areas of focus include:
- Mortgages and protection
- Pensions and investments
- Tax-efficient strategies
- Business financial planning including auto-enrolment guidance
I believe financial planning should feel empowering, not overwhelming. That’s why my approach is friendly, honest, and down-to-earth. I explain everything clearly, avoiding jargon, and work closely with you to develop a straightforward, personalised plan that evolves with your life. I support clients in a variety of life stages and financial scenarios, such as:
- Families building wealth for the future
- Newly promoted professionals wanting to grow their finances wisely
- Business owners and directors looking for efficient profit extraction
- Individuals managing inheritances or planning for care fees
- Employers dealing with auto-enrolment and workplace pension duties
Every client is different, so I tailor my advice to reflect your values, circumstances, and goals. Whether you're focused on securing your family’s future, planning a business exit, or preparing for later-life care, I use tools like cashflow forecasting to help you make clear, confident decisions. More than just technical expertise, I aim to offer long-term support and peace of mind - helping you stay on track, whatever life brings.
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.