I am an independent, Chartered Financial Adviser based in the North West, but service both private and corporate clients across the UK.

With over 20 years experience in financial services I have both financial planning and investment / fund management experience, where in a previous career I designed funds for institutional investors globally, such as the investment banks.

My role as a Chartered Financial Adviser however, is to work with both private clients and businesses to understand their lifestyle and business goals, and to develop a financial plan to meet these objectives. This plan is then revisited with the client each year (or more frequently) to measure its success and to ensure the plan is still appropriate to meet the changing needs of the client (and their family and business).

“I firmly believe Financial Planning is in fact Lifestyle Planning, focusing on delivering the client’s objectives and desired lifestyle regardless of market conditions and disruptive life events”.

Cash-flow modelling and stress testing often forms an integral part of a client’s plan, enabling them to understand the monthly cost of achieving a particular goal, and the range of outcomes / the impact on their lifestyle under different scenarios. Goal and objective setting is therefore crucial, for example understanding what level of income a client requires in retirement is fundamental to designing an appropriate solution.