Financial Planning Consultant DipPFS in Freckleton
As a qualified Financial Planning Consultant, I help individuals, businesses and families organise their finances, aim to build long-term wealth, and put the right protection in place so they can make confident, informed decisions about their future.
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.
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.
Approver Quilter Financial Services Limited. October 2026.
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.
Freckleton
Lancashire
United Kingdom
Michael is located in Freckleton and offers expert financial advice to suit your needs.
I focus on keeping financial planning simple and structured particularly for those who feel their finances have become unclear, unorganised, or left on autopilot.
I work with young families, professionals, and self-employed individuals to turn savings into a clear plan, align investments with long-term goals, and ensure appropriate protection is in place.
Clients I work with often move from feeling uncertain about their finances to having a clear, structured plan they understand and feel confident in.
I offer a straightforward and flexible service, whether we meet face-to-face, over the phone, or online.
Outside of work, I enjoy being outdoors including walking, hiking, running, and cycling (currently training for an Ironman) and spending time with my wife and daughter. I also enjoy travelling and experiencing new cultures.
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 July 2026.
