Chartered Financial Planning Consultant, MCSI in Chesham
With over 30 years of investment management experience at firms like General Accident and BNY Mellon, I am passionate about helping people to achieve financial security and peace of mind.
Having retired from the city in 2019, followed by five years as a Non-Executive Director with a retail investment advice and management business, I now use my expertise, backed by qualifications from the Chartered Institute of Securities and Investment, to help clients with all aspects of their finances.
I look to build long term relationships based on trust and transparency to provide a financial plan unique to each client, building financial security for them and their loved ones.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. 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.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Home contents insurance, buildings insurance.
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.
Chesham
Buckinghamshire
HP5
United Kingdom
I am located in Chesham and serve an area including Amersham, Beaconsfield, Berkhamsted, Wendover and the surrounding areas.
I’ve learned from personal experience that planning for the future is not always easy. It often calls for the guiding hand of someone you trust, someone who’s taken the time to get to know you and understands your financial goals. Equally importantly, someone who comes at the issues you’re facing from your side of the table.
Each of my clients has their own unique story and I make it a priority to find out what drives them - their values, ambitions and objectives. With a long-term approach, I will work alongside you as a reliable partner, always there with the advice and support you need.
Making significant financial decisions can be challenging alone - you can never be fully sure what you may have missed. Objective, expert guidance from someone who fully understands all the issues from the inside can be a vital confidence builder at these times. That is where I come in - clarifying and making sense of your finances, putting in place investment plans for the future and crucially, tracking progress to make sure they deliver results.
I have been working in financial services, nationally and internationally, for over 30 years, primarily in investments and enjoy drawing on that experience to guide, support and educate my clients.
Outside of work, I am a governor at a local primary school and I help out with a charity, The Theatre Shed. If time allows, I can be found pottering in the garden, walking in the countryside with Finn, my springer spaniel or taking trips in my 1960’s classic car – on those occasions it starts!
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 17 October 2024.
