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Joshua Stock-Mooney

Financial Planner DipPFS in Greater Liverpool Area

A little bit about Joshua

I'm a Financial Planner based in the North West, supporting clients across the UK with clear, personalised advice on pensions, investments, and long-term financial planning. I've worked in financial services since 2013, starting with a national workplace pension consultancy, which gave me a deep understanding in the UK pension landscape

Today, I work with a wide range of clients from individuals to business owners and large PLCs, helping them make confident, informed decisions about their financial futures.

Find out more about me below.

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

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Services

Business Services & Protection

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

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.

Dental & Medical

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

Qualifications

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.

Award in Long Term Care Insurance

  • Develops knowledge and understanding of long term care cover, including legal, taxation and regulatory issues and the responsibilities of local authorities.

More about me

Today, I work with a wide range of clients from individuals to business owners and large PLCs, helping them make confident, informed decisions about their financial futures.

Here's how I support my clients:

Retirement planning - I help clients visualise and achieve their ideal retirement by building a retirement planning strategy which is tailored to your investment preferences and goals. Whether you're approaching retirement or planning decades ahead, I ensure your plan evolves with you.

Investment advice - I construct and review portfolios that align with your risk profile, responsible investment preferences, and long-term objectives. I provide clear guidance on how your investments can work harder for you.

Tax planning and efficiency - I advise on structuring your assets to minimise tax liabilities across income, capital gains, and inheritance tax. This includes optimising pension contributions, ISA allowances, and exploring more advanced solutions like investment bonds and trusts where appropriate.

Wealth protection and estate planning - I support clients in safeguarding their wealth through tailored protection strategies, including life cover, critical illness, and income protection. I also help navigate inheritance tax planning to ensure your legacy is passed on efficiently and in line with your wishes.

Ongoing reviews and support - Financial planning isn't a one-off event. I provide regular progress checks and proactive updates to keep your strategy aligned with changing legislation, market conditions, and personal circumstances — ensuring your plan remains on track and fit for purpose.

My advice can be delivered in person, or 100% remotely with meetings held by 'Microsoft Teams' or 'Zoom'.

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 Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.