Financial Planning Consultant DipPFS in Moreton-in-Marsh
After 25 years in financial services, I’ve learned that good financial planning is rarely about products — it’s about bringing clarity and structure to complex financial lives. Much of my work involves advising business owners, entrepreneurs and company directors as they align their personal finances with the businesses they have built. I also support individuals and families who want a clear strategy for pensions, investments and long-term financial security.
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.
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.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
After 25 years in financial services, one principle has remained constant: clarity creates confidence. Many of the clients I work with are professionals, entrepreneurs and business owners who have built successful careers but feel their financial arrangements have become fragmented over time. Pensions may sit in different schemes, investments may lack a clear strategy, and business and personal finances are often treated separately.
My role is to step back, understand the full picture and bring structure to it.
I specialise in holistic financial planning — aligning investments, pensions, tax planning, corporate solutions and protection within one coherent strategy. I work particularly closely with business owners, helping them integrate company and personal planning in a tax-efficient way, protect what they have built and prepare for future succession or exit.
Over the past 25 years I have worked with clients across several countries and financial systems. During that time I have also built and led advisory businesses internationally. This entrepreneurial background gives me a practical understanding of risk, growth, cash flow and long-term strategic thinking.
I work with a wide range of clients, from individuals and families looking to organise their finances and plan ahead, to experienced investors and business owners with more complex financial needs. Many value having a long-term adviser who helps them make informed decisions as their circumstances evolve.
I hold the Level 4 Diploma in Regulated Financial Planning (DipPFS), awarded by the Chartered Insurance Institute in the UK.
Throughout my career I have completed several diplomas and professional qualifications through accredited institutions and universities across Europe and the UK, covering areas such as portfolio construction, wealth management, protection planning, inheritance tax planning, estate and succession planning, and the structuring of wealth for business owners and families.
In the UK my professional development has included continued study with the Chartered Insurance Institute as well as executive education at Oxford University, ensuring the advice I provide remains technically robust and aligned with evolving regulations and financial markets.
Clients can expect a calm, structured and commercially aware approach. I believe good financial advice should simplify complexity rather than add to it. My aim is always that clients understand why a strategy is in place and feel confident about the decisions they make. I work with clients across the UK, both in person and remotely, providing ongoing proactive support as their circumstances evolve.
Outside of financial planning I am passionate about strength training and athletic performance. I also compete in motorsport events and am an avid skydiver. Both require preparation, focus and respect for calculated risk — principles that also shape how I approach financial planning.
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 20 March 2026.
