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Ryan Wernham

Financial Planner DipPFS in Warrington

A little bit about Ryan

I help clients make confident, informed financial decisions through clear, personalised advice tailored to their goals, circumstances, and life stage. My focus is on long-term planning and practical guidance through good and bad times, and on building life plans that support wealth creation, retirement planning, family protection, and passing on wealth to the next generation.

Outside work, I enjoy spending time in the countryside with my family and my dog, Luna, who also enjoys a day trip to the beach.

Find out more about me below.

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

Graphic of elderly couple passing wealth to their relatives

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. April 2026.

Services

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

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.

Business Services & Protection

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

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.

Location

Ryan's location

Warrington
Cheshire
United Kingdom

Ryan is located in Warrington and offers expert financial advice to suit your needs.

More about me

I work with a wide variety of clients, from large companies to individuals starting up their own businesses. I also work with other clients who may have had some experience of financial services before, or those who may need more assistance.

Life is often described as lumpy, and no two clients are the same or have the same needs. Therefore, I take the time to understand what matters most to you, whether that is preparing for retirement, growing your investments, protecting your loved ones, or passing on wealth efficiently. By building a plan around your individual priorities, I aim to provide reassurance, clarity, and a structured path towards your objectives.

Ongoing reviews are a vital part of my advice process. Financial planning is not a one-off exercise, and regular reviews help ensure your plans remain aligned with changing personal circumstances, legislation, and market conditions, helping you stay on track towards your long-term goals.

What to expect

In advising you, I follow a simple and trusted 3 step process:

1. Free intro call to understand your needs

We will arrange a time to talk about your goals and plans.

2. Personalised plan

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.

3. On going check-ins, on your terms

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 06 July 2026.