Financial Planning Consultant DipPFS in Haywards Heath
My goal is simple: to help you make confident financial decisions so you can achieve your goals and live the life you want.
I work with individuals, families, and business owners to create clear, tailored financial plans that remove uncertainty and put you firmly in control of your future. Whether you’re just starting out or looking to refine an existing plan, I’ll help you cut through complexity and identify the most effective path forward.
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.
Home contents insurance, buildings insurance.
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.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
South East England
United Kingdom
Josh is located in South East England and offers expert financial advice to suit your needs.
With over 20 years’ experience in financial services, I bring deep industry knowledge from working with leading City banks, corporate pension providers, and within the fintech space. This allows me to combine technical expertise with practical, real-world advice that works for you - not just on paper, but in your day-to-day life.
I can help you with:
In a world where flexibility matters more than ever, I offer a service that fits around you - whether that’s meeting in person or working together remotely. My aim is always the same: to make financial advice accessible, clear, and genuinely valuable.
I’m proud to be part of Quilter Financial Advisers, backed by Quilter plc - a FTSE 250 company with over 250 years of heritage. This gives my clients the reassurance of strong governance, proven expertise, and access to leading investment specialists.
Outside of work, I enjoy a busy life in the countryside with my husband, along with our one dog and six cats - so there’s never a dull moment. I’m passionate about fitness, enjoy travelling and exploring new places, and have a real interest in current affairs.
I place a strong value on trust, and long-term relationships - and I bring that same mindset into my work with clients. For me, it’s not just about financial advice, it’s about building a partnership that supports you at every stage of your journey.
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 28 May 2026.
