Independent financial advice in your local area

Find a local IFA

We believe that to get the best out of your financial adviser, it’s important that you can build a close relationship with them. We have a team of experienced independent financial advisers across the UK so whether you want to meet face-to-face at one of our regional offices, or at a location that is more convenient for you, we have an adviser who will be happy to help.

Search for an adviser by location

Aberdeenshire IFAs

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Angus IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Argyll & Bute IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Ayrshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

?>

Banffshire IFAs

Bedfordshire IFAs

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

Joe Roxborough - Independent Financial Adviser

Joe Roxborough

Joe is a Chartered Financial Planner and has worked in financial services since 2008.  Joe’s areas of expertise include investments, tax and succession planning. He is also keenly interested in behavioural economics and ethical investments in order to create bespoke financial plans for his clients.

In addition the Advanced Diploma in Financial Planning, he also holds the Investment Management Certificate from the Chartered Financial Analyst (CFA) Society and is an Affiliate Member of the Society of Trust and Estate Planners (STEP).  Joe has held technical and advisory positions at various large wealth management firms and a major private bank.

Joe is keen writer and has articles published in The Times, The Telegraph, FT Adviser, Citywire, Moneysupermarket.co.uk and others.  As well as advising his clients on a one-to-one basis, Joe has presented at many seminars, explaining the benefits of financial planning around Estate and Legacy Planning, Pensions, Protection and more.

?>

Berkshire IFAs

Allan Perry

Allan Perry

Allan’s areas of expertise include pre and post retirement financial planning, tax-efficient investment planning and mitigating inheritance tax. He also has vast experience in arranging personal and family protection (income protection, health and life insurance). Allan believes that financial planning is not simply about setting a plan, but understanding the discipline it takes to achieve it. That’s where a clear strategy makes the dreams start to become reality.

Allan began his career in financial services in 1987 at Barclays Bank. In 1996 he switched to working at sea as a Purser and Excursion Manager for US and UK-based cruise lines. Allan joined Ascot Lloyd as a financial adviser in 2006.

Allan is a chartered member of the London Institute of Banking and Finance.

silhouette of man

John Aubrey

Areas of expertise

John’s main aim is to make clients lives easier.  He sees his role as one of simplifying the often confusing world of finance to help clients make informed decisions that are right for them. John advises on all aspects of finance (including pensions, investments and tax planning) and believes that as all clients are different he will never adopt a ‘one size fits all approach’ and believes everyone is different and it is only by working closely together that he can provide the best solutions.

John feels that every new client should be viewed as someone you will work with for 30 years – and that long term relationships help establish the trust that is needed when dealing with clients finances.

Background

John has almost 20 years of experience in financial services. His career in financial services started in 1998 with PricewaterhouseCoopers (PWC) and in 2015 John moved across the Severn Bridge to live and work full time in London having previously been employed for leading companies such as Lloyds and Chase de Vere.

John joined Bellpenny (now part of Ascot Lloyd) in 2015 and although he now lives in London he still believes that face to face advice is important and has clients throughout the UK.  John prides himself on always making himself available when clients need to see him – no matter where they live in the country.   With this in mind John manages a smaller number of clients to ensure that he is able to provide a trusted and reliable service.

John Inglese

John works across all areas of financial planning helping those from all walks of life making sure they have the right amount of money in the right place at the right time.

John has 26 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading pensions and investment company, initially as a sales consultant he soon progressed to sales manager overseeing a team of graduates in training and development. In 2001 following the closure of the company he made the switch to being an independent financial adviser.

Andrew Davies - Ascot Lloyd Independent Financial Adviser

Andrew Davies

Areas of expertise

Andrew’s objective with his clients is to ensure that they are well prepared for the future. To do this, when developing financial plans, he factors possible ‘what if’ scenarios to ensure they are prepared for any challenges they might face along the way.

Andrew advises on all areas of financial planning, but his main areas of expertise are retirement planning, investments (including tax planning), protection and inheritance tax planning. Andrew is conscious that his clients want to know ‘how does this affect me?’ and the value in his role is ensuring his clients’ financial affairs evolve and adapt to any change in personal circumstances or general tax laws.

Andrew is committed to developing lasting relationships with his clients. He believes the best advice is based on strong and trustworthy business relationships. Andrew lives in Basingstoke and has clients mainly in Thames Valley and north of the M25. He believes in  making himself available to meet with his clients at their convenience and time, which means that he can provide a solid and reliable service.

Background

Andrew started his career in financial services in 1989 as a trainee mortgage broker. He worked for 13 years with Scottish Life as a broker consultant, and since 2004, has been a financial adviser for two previous IFA Firms, before joining Bellpenny in 2014 (now known as Ascot Lloyd). When Bellpenny and Ascot Lloyd merged in 2017, Andrew became an independent adviser for the firm.

Glenn Barrett

Glenn is a highly experienced and qualified financial adviser. The main areas of expertise are in pension transfers, and in all aspects of ‘at retirement’ and post retirement financial planning. Glenn invests time to get to know his clients so that he can build a financial plan that factors in the wider financial circumstances of the family. Many of Glenn’s younger clients are often the children of existing clients, referred by their parents.

Glenn has 40 years of experience in financial services. Before joining Ascot Lloyd in 2005, he worked as an adviser in firms specialising in advice to the clergy, and to the medical profession.

Martin Purnell

Martin’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment and retirement planning and mitigating inheritance tax. Martin has many years experience dealing with the older client.

Martin has 22 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading companies, all in the top 100 adviser firms in the UK, as a financial adviser. Prior to becoming a financial adviser, Martin started his career in a managerial capacity within the hotel and catering industry, gaining valuable experience dealing with client’s expectations and requirements.

Nigel Stratton - Independent Financial Adviser

Nigel Stratton

Nigel has over the years built a wealth of experience in most areas of taxation and personal financial planning including inheritance tax, onshore and offshore trusts, individual and corporate pension arrangements, investment bonds (onshore/offshore), investment ISAs and collective accounts, pensions, venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Nigel has over 40 years of experience in financial services. Before joining Ascot Lloyd, Nigel was executive consultant with IFG (taken over by Ascot Lloyd in 2014 and prior to that a director with Premier Investment Management Services (taken over by IFG in 1999). Prior to 1999 Nigel had almost 20 years experience within a life and pensions company.

Joe Roxborough - Independent Financial Adviser

Joe Roxborough

Joe is a Chartered Financial Planner and has worked in financial services since 2008.  Joe’s areas of expertise include investments, tax and succession planning. He is also keenly interested in behavioural economics and ethical investments in order to create bespoke financial plans for his clients.

In addition the Advanced Diploma in Financial Planning, he also holds the Investment Management Certificate from the Chartered Financial Analyst (CFA) Society and is an Affiliate Member of the Society of Trust and Estate Planners (STEP).  Joe has held technical and advisory positions at various large wealth management firms and a major private bank.

Joe is keen writer and has articles published in The Times, The Telegraph, FT Adviser, Citywire, Moneysupermarket.co.uk and others.  As well as advising his clients on a one-to-one basis, Joe has presented at many seminars, explaining the benefits of financial planning around Estate and Legacy Planning, Pensions, Protection and more.

Ian Phillips

Ian Phillips

Background

Ian has been working in the Financial Services industry since 1985 after attending University.

He joined a small, specialist IFA practice in the Cotswolds in Oct 1988 which turned out to be a fortunate move as he built his experience and qualifications there before working his way up to Director and shareholder. The company was then bought by Pantheon Financial Limited in 2004 and subsequently by Ascot Lloyd in December 2017.

Expertise

With continuous service, Ian now has almost 30 years’ experience in wealth management for corporate and private clients, and there is a core of his clients that he has known for all this time. He has always been a specialist in pre-and-post retirement planning and specifically the use of Self Administered Pension Schemes to build up retirement assets.

?>

Berwickshire IFAs

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Blaenau Gwent IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Borders IFAs

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Bridgend IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Bristol IFAs

Neil Gurney - Ascot Lloyd Independent Financial Adviser

Neil Gurney

Areas of expertise

Neil is a highly qualified and specially trained financial adviser with over twenty years’ experience in the financial services industry. He understands the importance of a long term client relationship which is built on trust and understanding. With experience and enthusiasm, Neil provides advice on all aspects of financial planning which includes pensions, investments, protection and inheritance tax planning.

Neil believes in delivering a first class advisory service to all clients and helps to plan and protect financial goals in the ever changing economic climate.

Background

Neil’s career in financial services started in 1996 with Abbey National IFA Ltd in Bristol. Over the years he has gained a wealth of knowledge and experience from working in a variety of support and advisory positions within the financial sector.

As a qualified chartered financial planner, Neil joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2014. Neil provides financial planning advice to clients across Gloucestershire and the surrounding counties.

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Buckinghamshire IFAs

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

John Inglese

John works across all areas of financial planning helping those from all walks of life making sure they have the right amount of money in the right place at the right time.

John has 26 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading pensions and investment company, initially as a sales consultant he soon progressed to sales manager overseeing a team of graduates in training and development. In 2001 following the closure of the company he made the switch to being an independent financial adviser.

Andrew Davies - Ascot Lloyd Independent Financial Adviser

Andrew Davies

Areas of expertise

Andrew’s objective with his clients is to ensure that they are well prepared for the future. To do this, when developing financial plans, he factors possible ‘what if’ scenarios to ensure they are prepared for any challenges they might face along the way.

Andrew advises on all areas of financial planning, but his main areas of expertise are retirement planning, investments (including tax planning), protection and inheritance tax planning. Andrew is conscious that his clients want to know ‘how does this affect me?’ and the value in his role is ensuring his clients’ financial affairs evolve and adapt to any change in personal circumstances or general tax laws.

Andrew is committed to developing lasting relationships with his clients. He believes the best advice is based on strong and trustworthy business relationships. Andrew lives in Basingstoke and has clients mainly in Thames Valley and north of the M25. He believes in  making himself available to meet with his clients at their convenience and time, which means that he can provide a solid and reliable service.

Background

Andrew started his career in financial services in 1989 as a trainee mortgage broker. He worked for 13 years with Scottish Life as a broker consultant, and since 2004, has been a financial adviser for two previous IFA Firms, before joining Bellpenny in 2014 (now known as Ascot Lloyd). When Bellpenny and Ascot Lloyd merged in 2017, Andrew became an independent adviser for the firm.

Glenn Barrett

Glenn is a highly experienced and qualified financial adviser. The main areas of expertise are in pension transfers, and in all aspects of ‘at retirement’ and post retirement financial planning. Glenn invests time to get to know his clients so that he can build a financial plan that factors in the wider financial circumstances of the family. Many of Glenn’s younger clients are often the children of existing clients, referred by their parents.

Glenn has 40 years of experience in financial services. Before joining Ascot Lloyd in 2005, he worked as an adviser in firms specialising in advice to the clergy, and to the medical profession.

Martin Purnell

Martin’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment and retirement planning and mitigating inheritance tax. Martin has many years experience dealing with the older client.

Martin has 22 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading companies, all in the top 100 adviser firms in the UK, as a financial adviser. Prior to becoming a financial adviser, Martin started his career in a managerial capacity within the hotel and catering industry, gaining valuable experience dealing with client’s expectations and requirements.

Nigel Stratton - Independent Financial Adviser

Nigel Stratton

Nigel has over the years built a wealth of experience in most areas of taxation and personal financial planning including inheritance tax, onshore and offshore trusts, individual and corporate pension arrangements, investment bonds (onshore/offshore), investment ISAs and collective accounts, pensions, venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Nigel has over 40 years of experience in financial services. Before joining Ascot Lloyd, Nigel was executive consultant with IFG (taken over by Ascot Lloyd in 2014 and prior to that a director with Premier Investment Management Services (taken over by IFG in 1999). Prior to 1999 Nigel had almost 20 years experience within a life and pensions company.

Joe Roxborough - Independent Financial Adviser

Joe Roxborough

Joe is a Chartered Financial Planner and has worked in financial services since 2008.  Joe’s areas of expertise include investments, tax and succession planning. He is also keenly interested in behavioural economics and ethical investments in order to create bespoke financial plans for his clients.

In addition the Advanced Diploma in Financial Planning, he also holds the Investment Management Certificate from the Chartered Financial Analyst (CFA) Society and is an Affiliate Member of the Society of Trust and Estate Planners (STEP).  Joe has held technical and advisory positions at various large wealth management firms and a major private bank.

Joe is keen writer and has articles published in The Times, The Telegraph, FT Adviser, Citywire, Moneysupermarket.co.uk and others.  As well as advising his clients on a one-to-one basis, Joe has presented at many seminars, explaining the benefits of financial planning around Estate and Legacy Planning, Pensions, Protection and more.

?>

Caerphilly IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Caithness IFAs

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Cambridgeshire IFAs

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

Steve Clements

Steve’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and specialises in mitigating inheritance tax. He has a keen interest in retirement planning (including complex pensions and divorce settlements).

Steve has 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading UK firms as a financial adviser and as a sales manager for several national firms.

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Peter Simpson

Peter’s areas of expertise include tax-efficient investment planning and mitigating inheritance tax. He is also an expert in retirement planning (including complex pensions and divorce settlements). In addition, Peter can arrange family protection cover (such as life and health assurance).

Peter has 30 years of experience in financial services. Before joining Ascot Lloyd, he worked with St James’s Place Wealth Management for 11 years as an associate partner looking after almost 200 clients.

Peter started his career in 1986 as a bank clerk with National Westminster Bank PLC. Having worked in retail banking for five years, Peter then became a financial adviser in 1991. He then left Natwest to join St James’s Place in 2004 when he was a senior financial adviser.

Lewis Jones - Ascot Lloyd Independent Financial Adviser

Lewis Jones

Areas of expertise

Lewis has been providing face to face advice for nearly twenty years and specialises in personal financial planning. This includes retirement planning, at retirement planning, investment planning wealth management and protection. He has extensive experience in pension and investment areas in particular.

Background

Lewis has 18 years of experience in financial services. Before joining Ascot Lloyd, he has worked for several leading UK firms as a financial adviser advising individuals and corporate firms, in addition to working for him self providing at retirement seminars to larger firms and occasionally local borough councils. Lewis has also worked in the city with accountancy firms as well as servicing hes clients, old and new in the Norfolk and Suffolk area.

?>

Cardiff IFAs

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Carmarthenshire IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Ceredigion IFAs

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Cheshire IFAs

Neil Martin - Independent Financial Adviser

Neil Martin

Neil’s areas of expertise include tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including flexible retirement income solutions).

Neil has over 30 years of experience in financial services. Before joining Ascot Lloyd he worked for several leading UK firms as an independent financial adviser and is passionate about providing holistic independent financial advice to his existing and new clients. Prior to working as a financial adviser, Neil worked for a number of financial services providers as a consultant and as a manager.

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

?>

Clackmannanshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Conwy IFAs

Cornwall IFAs

Simon Annear Independent Financial Adviser

Simon Annear

Areas of expertise

My main aim is to help achieve my client’s plans, guiding them through the often complex nature of financial planning. I believe in simplifying the world of finance to help my clients make confident well informed decisions.

I advise on all aspects of wealth planning (including pensions, investments, trusts and tax planning) and I believe that as all clients are different, I work hard to ensure that all my solutions are tailor made to deliver the best possible outcomes for everyone’s differing requirements.

Background

I have over 30 years of experience in financial services. My career started in 1985 with Royal Insurance living and working from Swindon, Bristol and London, before returning to Devon, having previously been employed for leading companies such as  Scottish Amicable, RSA, Lloyds Banking Group and Police Mutual.

I joined Bellpenny (now Ascot Lloyd) in 2015 and currently live in Plymouth. I believe that face to face, family based advice is important and I have long standing clients mainly throughout the West Country, along with Hampshire, Berkshire and London. I strive to deliver understandable, relaxed meetings with interim help at hand whenever it is required.

?>

County Durham IFAs

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

?>

Cumbria IFAs

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

?>

Denbighshire IFAs

Derbyshire IFAs

Christopher Rose

Christopher Rose

Area of expertise

As wealth management specialist, Chris is particularly skilled in the areas of portfolio management and investment planning. His main focus is on high net worth and affluent individuals along with corporate clients. He thrives on developing trust relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Chris appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

Background

Chris began his career in financial services in 1994 and has a total of 24 years experience and has a long track record of working with, and alongside, other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Mark Rodgers - Ascot Lloyd Independent Financial Adviser

Mark Rodgers

Graham Letts

Graham’s areas of expertise include investment planning and inheritance tax planning. He has a keen interest in clients planning for their retirement, both in respect of clients directly but also succession planning for dependents. Constant changes in pension legislation make this an area of great interest to Graham and he always ensures he is up to date with the latest changes.

Graham has over 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading UK firm as a senior financial adviser more recently in a management position. He has also worked for a major UK bank.

Ian Phillips

Ian Phillips

Background

Ian has been working in the Financial Services industry since 1985 after attending University.

He joined a small, specialist IFA practice in the Cotswolds in Oct 1988 which turned out to be a fortunate move as he built his experience and qualifications there before working his way up to Director and shareholder. The company was then bought by Pantheon Financial Limited in 2004 and subsequently by Ascot Lloyd in December 2017.

Expertise

With continuous service, Ian now has almost 30 years’ experience in wealth management for corporate and private clients, and there is a core of his clients that he has known for all this time. He has always been a specialist in pre-and-post retirement planning and specifically the use of Self Administered Pension Schemes to build up retirement assets.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Devon IFAs

Simon Annear Independent Financial Adviser

Simon Annear

Areas of expertise

My main aim is to help achieve my client’s plans, guiding them through the often complex nature of financial planning. I believe in simplifying the world of finance to help my clients make confident well informed decisions.

I advise on all aspects of wealth planning (including pensions, investments, trusts and tax planning) and I believe that as all clients are different, I work hard to ensure that all my solutions are tailor made to deliver the best possible outcomes for everyone’s differing requirements.

Background

I have over 30 years of experience in financial services. My career started in 1985 with Royal Insurance living and working from Swindon, Bristol and London, before returning to Devon, having previously been employed for leading companies such as  Scottish Amicable, RSA, Lloyds Banking Group and Police Mutual.

I joined Bellpenny (now Ascot Lloyd) in 2015 and currently live in Plymouth. I believe that face to face, family based advice is important and I have long standing clients mainly throughout the West Country, along with Hampshire, Berkshire and London. I strive to deliver understandable, relaxed meetings with interim help at hand whenever it is required.

Jonathan Kavanagh

Mark Werner

Mark’s area of expertise is in the pensions arena, as well as tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including complex occupational pensions and divorce settlements).

Mark has 25 years of experience in financial services. Before joining Ascot Lloyd, he owned and managed an advice firm which merged with Ascot Lloyd in 2016.

Scott Moody

?>

Dorset IFAs

silhouette of man

Simon Firmin

Areas of expertise

Simon has worked in financial services for over 25 years, accumulating a broad wealth of experience in both personal and corporate planning. Nowadays Simon’s forte remains within the personal sector, helping clients to achieve their financial objectives whether pre or post retirement.

Simon believes in the importance of regular reviews with clients to ensure that their financial plans remain relevant and appropriate at all times, enabling objectives to be reached as effectively as possible.

Background

All of Simon’s experience within financial services has been in an advisory capacity, firstly joining Norwich Union (now Aviva) in the early 1990’s before moving to The Royal Bank of Scotland in a similar company representative role.

Recognising the importance of independent advice to his clients, in 1998 Simon joined Plan Invest, a leading IFA in the North West of England where he rapidly expanded his knowledge, qualifications and ability, notably in the areas of pensions and estate planning.

In 2012, Simon was one of the very first financial planners to join the exciting, newly established Bellpenny (now know as Ascot Lloyd), making the move to the south coast to service clients in mainly Dorset, Hampshire and surrounding counties.

Jonathan Kavanagh

Mark Werner

Mark’s area of expertise is in the pensions arena, as well as tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including complex occupational pensions and divorce settlements).

Mark has 25 years of experience in financial services. Before joining Ascot Lloyd, he owned and managed an advice firm which merged with Ascot Lloyd in 2016.

Scott Moody

?>

Dumfries & Galloway IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

?>

Dunbartonshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

East Lothian IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

East Riding of Yorkshire IFAs

Lindsay Carter - Ascot Lloyd Independent Financial Adviser

Lindsay Carter

Areas of expertise

Lindsay’s principle focus is taking a high level of care and time with clients to enable them to structure their finances in such a way that they understand and get the most out of them. One of Lindsay’s primary skills is identifying and prioritising the areas of financial planning which are important to each individual client.  Lindsay provides holistic financial advice on all areas of financial planning, from protection planning, investing for the future, tax efficient structuring of investments, retirement planning and estate planning.

Background

Lindsay has over 18 years of experience in financial services and joined Ascot Lloyd when the company merged with Bellpenny in 2017. Before joining Bellpenny, Lindsay started her career with Yorkshire Building Society in 1999 as a mortgage adviser.  In 2002, she started work at HSBC as a financial adviser before being promoted to the role of senior financial adviser with them.

?>

Essex IFAs

Peter Beck - Independent Financial Adviser

Peter Beck

Areas of expertise

Peter’s focus is to ensure that his clients achieve their long term financial planning goals. He is keen to ensure that any financial planning is blended with personal lifestyle requirements to ensure the correct balance is achieved. Peter believes that his role is to provide the correct solutions in an easy to understand format. He understands that each client’s needs are bespoke and guides his clients through the assortment of tax efficient solutions. This allows clients to make timely decisions with all the pertinent facts.

Peter provides guidance on all aspects of finance (including pensions, investments and tax planning). He feels that truly understanding each client’s individual life goals is key to tailoring their planning accordingly. His philosophy is simple, client service is of paramount importance and this is only achieved by gaining a strong understanding of their needs.

Background

Peter has over 25 years’ experience in financial services. After a successful 12 year career with NatWest in London, Peter ran his own practice within St James’ Place for 17 years. He joined the team  when Entire Wealth Management was acquired in 2013 (by Bellpenny).

 

Graham Speller - Independent Financial Adviser

Graham Speller

Areas of expertise

Graham’s main aim is to help clients make informed decisions that are appropriate for them and their families.

Graham advises on all aspects of finance (including pensions, investments, protection and tax planning) and believes that all clients deserve a bespoke approach to provide a tailored financial plan, together with the ability to provide proactive financial advice throughout each life stage and financial situation, thus enabling clients to reach their financial goals . Graham feels the relationship between a financial planner is meant for the long term and is primarily based on trust, professionalism and loyalty.

Background

Graham has 30 years’ experience in financial services. Graham started with Prudential in 1982 training as a systems accountant and progressed to the field staff as a sales manager.  In 1997 Graham took responsibility for providing advice to teachers and lecturers who were members of the Teachers Pension Scheme, as Prudential were responsible for managing the Additional Voluntary Contribution Scheme.  Graham left the Prudential in 2000 and started his own IFA practice, together with a mortgage broker business.  Graham sold these to Bellpenny in 2012  and started working for Bellpenny as a Financial Planner in June 2015. Graham joined Ascot Lloyd when the company merged with Bellpenny in 2017.

Jelena Gunner - Ascot Lloyd Independent Financial Adviser

Jelena Gunner

Area of expertise

Pensions, Investments, Inheritance Tax Planning

As a Financial Planner, at the heart of what I do is a simple idea- appropriate planning is the key to financial strength. I use my knowledge and experience to create a plan which is right for my clients.

People trust and choose me to help them make informed choices. I simplify their lives by cutting through the web of options and selecting  solutions which are personal to them. I make it easy for my clients as I take on the tasks of arranging the  paperwork, communicating with various providers and obtaining necessary information to ensure my clients receive a reliable service.

Background

Before working in the Finance industry I managed  a couple of successful restaurants. This experience honed my organisational and planning skills, as well as giving me a focus on financial side of profit and loss. My passion is helping people and coupled with my mathematical background, finance has been a natural progression.

I have been in finance for over 17 years. I started my career in Nat West Bank in 2001 where I looked after the high net worth clients, specialising in investment advice and inheritance tax planning.

Since leaving the bank in 2012, I worked as an Independent Financial Adviser and broadened my experience, to include pensions and general investments such as ISAs. I joined Bellpenny (now Ascot Lloyd) in 2016.

 

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

James Davidson

James Davison

Areas of expertise

James became an adviser in June 2004. He has an extensive knowledge of stock markets, making him an expert in pensions and investment planning for our London clients. James joined Ascot Lloyd via the acquisition of IFG Financial Services in 2014.

Background

James holds a BA in Economics from Durham University and the Advanced Financial Planning Certificate (AFPC).

Penny Speller - Ascot Lloyd Independent Financial adviser

Penny Speller

Areas of expertise

Penny is dedicated to helping her clients, and their families, make informed decisions about their finances. Penny advises on all aspects of finance (including pensions, investments and tax planning) and believes in providing a tailored service to meet the differing needs of her clients. Penny believes that the best advice comes through building lasting relationships and truly getting to know the short, medium and long term goals of her clients, and their extended family.

 

Background

Penny joined Ascot Lloyd when the company merged with Bellpenny in 2017. Penny has 25 years’ experience in financial services, starting her career in 1988 with Prudential. In 2012 Penny sold her IFA practice to Bellpenny, having been an IFA since 2008 Penny wanted to continue to advise her clients from her own practice and so joined Bellpenny to become a Financial Planner. Penny strongly believes that face to face advice is important and has clients throughout the UK.  Since joining Bellpenny, she has become an associate member for the Society of Later Life Advisers, SOLLA, and is currently undertaking additional examinations, in later life advice, to specialise in this area and achieve full Accreditation in 2018

Steve Clements

Steve’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and specialises in mitigating inheritance tax. He has a keen interest in retirement planning (including complex pensions and divorce settlements).

Steve has 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading UK firms as a financial adviser and as a sales manager for several national firms.

Peter Simpson

Peter’s areas of expertise include tax-efficient investment planning and mitigating inheritance tax. He is also an expert in retirement planning (including complex pensions and divorce settlements). In addition, Peter can arrange family protection cover (such as life and health assurance).

Peter has 30 years of experience in financial services. Before joining Ascot Lloyd, he worked with St James’s Place Wealth Management for 11 years as an associate partner looking after almost 200 clients.

Peter started his career in 1986 as a bank clerk with National Westminster Bank PLC. Having worked in retail banking for five years, Peter then became a financial adviser in 1991. He then left Natwest to join St James’s Place in 2004 when he was a senior financial adviser.

silhouette of man

Will Diggins

Areas of expertise

William likes to focus on holistic financial planning, taking into account all aspects of his clients’ needs, including retirement planning, investments, estate planning, protection and tax planning. He believes this is important because it allows him to make recommendations that are bespoke to each of his clients and focuses on meeting each of their goals and objectives through the most efficient financial solutions, while looking at the whole picture.

Background

William has two years of experience in financial services, having graduated from the Ascot Lloyd Adviser Academy. Before joining Ascot Lloyd, he spent 12 years working for Southend Borough and Essex County Councils managing Young Offenders and working in the Courts. He focuses on outstanding client service and building long-lasting client relationships in which clients feel looked-after and truly valued.

Qualifications: William currently holds the certified diploma in financial planning and is currently working towards obtaining chartered qualifications. He also has a Bachelor of Science Degree in Psychology.

?>

Fife IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Flintshire IFAs

Glamorgan IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Gloucestershire IFAs

Christopher Rose

Christopher Rose

Area of expertise

As wealth management specialist, Chris is particularly skilled in the areas of portfolio management and investment planning. His main focus is on high net worth and affluent individuals along with corporate clients. He thrives on developing trust relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Chris appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

Background

Chris began his career in financial services in 1994 and has a total of 24 years experience and has a long track record of working with, and alongside, other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Neil Gurney - Ascot Lloyd Independent Financial Adviser

Neil Gurney

Areas of expertise

Neil is a highly qualified and specially trained financial adviser with over twenty years’ experience in the financial services industry. He understands the importance of a long term client relationship which is built on trust and understanding. With experience and enthusiasm, Neil provides advice on all aspects of financial planning which includes pensions, investments, protection and inheritance tax planning.

Neil believes in delivering a first class advisory service to all clients and helps to plan and protect financial goals in the ever changing economic climate.

Background

Neil’s career in financial services started in 1996 with Abbey National IFA Ltd in Bristol. Over the years he has gained a wealth of knowledge and experience from working in a variety of support and advisory positions within the financial sector.

As a qualified chartered financial planner, Neil joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2014. Neil provides financial planning advice to clients across Gloucestershire and the surrounding counties.

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Gwynedd IFAs

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Hampshire IFAs

Paul David Brown - Ascot Lloyd Independent Financial Adviser

Paul David Brown

Areas of expertise

Paul works mainly with private clients, individuals and families, helping them to achieve their goals via prudent management of their finances.  He believes that whilst achieving excellent investment performance is important it is only part of the picture, equally important is the individual journey a client takes to achieve their financial aims using other planning factors which can be very powerful.

For some people this will mean a very different approach to others, and Paul takes pride in helping each client formulate their own lifetime financial plan, ensuring they really understand the impact of what action they take (or in many cases action they do not take) in shaping their future lifestyle.

Paul is particularly interested helping clients with pension and investment planning, showing them ways of using their personal tax allowances and reliefs to help them build assets faster, and also how to benefit from tax efficient income in retirement.  He also takes a keen interest in helping clients plan for and mitigate their inheritance tax liability, using a variety of different solutions.

Paul sums up his role primarily as ‘helping clients and their families make the most of what they have’.

Background

Despite looking so young Paul has over 14 years’ experience in Financial Services.  Having attended University he worked in payroll and secured lending before joining Lloyds Banking Group as a Premier Banking Manager.  Having discovered a passion for advising clients with their financial affairs Paul undertook his investment and financial planning exams and worked in the role of Financial Adviser until 2012 when the Retail Distribution Review led to the high street banks withdrawing from face to face investment advice.

Paul took this opportunity to push on with his career, firstly becoming a partner with St James’s Place Wealth Management and later taking up the role of Executive Financial Planner with Bellpenny.  With Bellpenny now re-branded as Ascot Lloyd and full IFA status attained, Paul is employed as an Independent Financial Adviser and very much enjoys working with his existing clients and meeting new clients.

Allan Perry

Allan Perry

Allan’s areas of expertise include pre and post retirement financial planning, tax-efficient investment planning and mitigating inheritance tax. He also has vast experience in arranging personal and family protection (income protection, health and life insurance). Allan believes that financial planning is not simply about setting a plan, but understanding the discipline it takes to achieve it. That’s where a clear strategy makes the dreams start to become reality.

Allan began his career in financial services in 1987 at Barclays Bank. In 1996 he switched to working at sea as a Purser and Excursion Manager for US and UK-based cruise lines. Allan joined Ascot Lloyd as a financial adviser in 2006.

Allan is a chartered member of the London Institute of Banking and Finance.

silhouette of man

Simon Firmin

Areas of expertise

Simon has worked in financial services for over 25 years, accumulating a broad wealth of experience in both personal and corporate planning. Nowadays Simon’s forte remains within the personal sector, helping clients to achieve their financial objectives whether pre or post retirement.

Simon believes in the importance of regular reviews with clients to ensure that their financial plans remain relevant and appropriate at all times, enabling objectives to be reached as effectively as possible.

Background

All of Simon’s experience within financial services has been in an advisory capacity, firstly joining Norwich Union (now Aviva) in the early 1990’s before moving to The Royal Bank of Scotland in a similar company representative role.

Recognising the importance of independent advice to his clients, in 1998 Simon joined Plan Invest, a leading IFA in the North West of England where he rapidly expanded his knowledge, qualifications and ability, notably in the areas of pensions and estate planning.

In 2012, Simon was one of the very first financial planners to join the exciting, newly established Bellpenny (now know as Ascot Lloyd), making the move to the south coast to service clients in mainly Dorset, Hampshire and surrounding counties.

silhouette of man

John Aubrey

Areas of expertise

John’s main aim is to make clients lives easier.  He sees his role as one of simplifying the often confusing world of finance to help clients make informed decisions that are right for them. John advises on all aspects of finance (including pensions, investments and tax planning) and believes that as all clients are different he will never adopt a ‘one size fits all approach’ and believes everyone is different and it is only by working closely together that he can provide the best solutions.

John feels that every new client should be viewed as someone you will work with for 30 years – and that long term relationships help establish the trust that is needed when dealing with clients finances.

Background

John has almost 20 years of experience in financial services. His career in financial services started in 1998 with PricewaterhouseCoopers (PWC) and in 2015 John moved across the Severn Bridge to live and work full time in London having previously been employed for leading companies such as Lloyds and Chase de Vere.

John joined Bellpenny (now part of Ascot Lloyd) in 2015 and although he now lives in London he still believes that face to face advice is important and has clients throughout the UK.  John prides himself on always making himself available when clients need to see him – no matter where they live in the country.   With this in mind John manages a smaller number of clients to ensure that he is able to provide a trusted and reliable service.

silhouette of man

Gavin Foster

Areas of expertise

Gavin advises clients in all areas of financial advice including investments, pensions, trusts, insurance and tax planning. Gavin believes in taking a holistic approach to wealth management and can also assist with inheritance tax (IHT) planning and planning exit strategies for business owners.

Gavin works closely with a small group of private clients always providing a high quality personal service and advice you can trust.

Background

Gavin joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2013. He has over 20 years of financial services experience having previously worked for Standard Chartered Bank and RBC Wealth Management. Gavin is a Chartered Member of the Chartered Institute for Securities & Investment (CISI) and holds the level 6 certificate in Private Client Investment Advice and Management (PCIAM). Based in Petersfield, Gavin works with clients throughout Hampshire, Surrey and West Sussex.

John Inglese

John works across all areas of financial planning helping those from all walks of life making sure they have the right amount of money in the right place at the right time.

John has 26 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading pensions and investment company, initially as a sales consultant he soon progressed to sales manager overseeing a team of graduates in training and development. In 2001 following the closure of the company he made the switch to being an independent financial adviser.

Andrew Davies - Ascot Lloyd Independent Financial Adviser

Andrew Davies

Areas of expertise

Andrew’s objective with his clients is to ensure that they are well prepared for the future. To do this, when developing financial plans, he factors possible ‘what if’ scenarios to ensure they are prepared for any challenges they might face along the way.

Andrew advises on all areas of financial planning, but his main areas of expertise are retirement planning, investments (including tax planning), protection and inheritance tax planning. Andrew is conscious that his clients want to know ‘how does this affect me?’ and the value in his role is ensuring his clients’ financial affairs evolve and adapt to any change in personal circumstances or general tax laws.

Andrew is committed to developing lasting relationships with his clients. He believes the best advice is based on strong and trustworthy business relationships. Andrew lives in Basingstoke and has clients mainly in Thames Valley and north of the M25. He believes in  making himself available to meet with his clients at their convenience and time, which means that he can provide a solid and reliable service.

Background

Andrew started his career in financial services in 1989 as a trainee mortgage broker. He worked for 13 years with Scottish Life as a broker consultant, and since 2004, has been a financial adviser for two previous IFA Firms, before joining Bellpenny in 2014 (now known as Ascot Lloyd). When Bellpenny and Ascot Lloyd merged in 2017, Andrew became an independent adviser for the firm.

Bob Bradley - Ascot Lloyd Independent Financial Adviser

Bob Bradley

Areas of expertise

Bob is a chartered financial planner and is fully committed to their ethos of providing good ethical advice and always putting the clients’ best interests at the forefront of what he does. Bob prides himself on providing a prompt, professional and friendly service to his clients. Bob’s ethos when giving advice is ‘What would I do myself?’ and he uses this to ensure his client’s needs remain central to his work.

Background

Bob began his career in Financial Services in March 1981 with Equity & Law life Assurance Society, where he received rigorous and thorough training in personal investments and tax as well as pensions.  In September 1983 he first became an independent adviser, before forming his own business, Trustee Asset Management in October 1986. This started with a business partner and a part time secretary and under Bob’s stewardship the company grew to employ more than 20 staff providing independent advice to more than 2000 clients.

In June 2015 Bob sold Trustee Asset Management to Bellpenny and has stayed on to continue to provide a service to his clients since that time. Bob joined Ascot Lloyd when the company merged with Bellpenny in 2017.

Jonathan Kavanagh

Mark Werner

Mark’s area of expertise is in the pensions arena, as well as tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including complex occupational pensions and divorce settlements).

Mark has 25 years of experience in financial services. Before joining Ascot Lloyd, he owned and managed an advice firm which merged with Ascot Lloyd in 2016.

Martin Purnell

Martin’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment and retirement planning and mitigating inheritance tax. Martin has many years experience dealing with the older client.

Martin has 22 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading companies, all in the top 100 adviser firms in the UK, as a financial adviser. Prior to becoming a financial adviser, Martin started his career in a managerial capacity within the hotel and catering industry, gaining valuable experience dealing with client’s expectations and requirements.

Nick Bird - Independent Financial adviser

Nick Bird

Areas of expertise

Nick has been providing face to face financial advice to a wide range of clients for over 30 years.  He advises on all aspects of financial planning, including pensions, investments and protection and is also qualified to discuss various tax planning issues.

Nick likes to work closely with his clients and has built up very strong professional and personal relationships with them over the years.  He believes this is imperative in being able to provide totally independent and unbiased advice for them.

 

Background

Nick graduated from the University of Kent in 1981 with an honours degree in Economics.  He joined Equity & Law in 1982 as a broker consultant and moved to Zurich in 1984 pursuing the same role. In 1987, he joined the independent financial advisers, Trustee Asset Management Limited, where he became a director in 1988.

Nick joined Ascot Lloyd when the company merged with Bellpenny where he had been since July 2015. He continues to provide a professional service to his valued and long-standing clients.

Scott Moody

?>

Herefordshire IFAs

Mark Sleeman

Mark has a wide ranging skill set covering most aspects of financial services but is in his element when dealing with the complex aspects of clients’ affairs. This can often involve clients close to the pension lifetime allowance, pension transfers (e.g. defined benefit and pension sharing on divorce) or offshore investment vehicles. Being an associate for the Society for Trust and Estate Planning (STEP) ensures Mark is well versed in the finer detail of trusts and taxation.

Mark has 12 years of experience in financial services and spent a lot of his early career in Sheffield.

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Hertfordshire IFAs

Peter Beck - Independent Financial Adviser

Peter Beck

Areas of expertise

Peter’s focus is to ensure that his clients achieve their long term financial planning goals. He is keen to ensure that any financial planning is blended with personal lifestyle requirements to ensure the correct balance is achieved. Peter believes that his role is to provide the correct solutions in an easy to understand format. He understands that each client’s needs are bespoke and guides his clients through the assortment of tax efficient solutions. This allows clients to make timely decisions with all the pertinent facts.

Peter provides guidance on all aspects of finance (including pensions, investments and tax planning). He feels that truly understanding each client’s individual life goals is key to tailoring their planning accordingly. His philosophy is simple, client service is of paramount importance and this is only achieved by gaining a strong understanding of their needs.

Background

Peter has over 25 years’ experience in financial services. After a successful 12 year career with NatWest in London, Peter ran his own practice within St James’ Place for 17 years. He joined the team  when Entire Wealth Management was acquired in 2013 (by Bellpenny).

 

Sheetal Radia

Sheetal Radia

Areas of expertise

Clients value Sheetal’s expertise in helping them and their  families make informed decisions about their finances. He advises on all aspects of finance (including investment, pension and tax planning) and appreciates the importance of providing a service to meet the differing needs of clients. Sheetal recognises that by forming strong partnerships with clients enables them to meet their  short, medium and long term goals.

Background

Sheetal has over 20 years of financial services experience and started his career in investment banking before moving into wealth management and financial planning. One of a select few that is a Chartered Wealth Manager, he has also attained the highly regarded Chartered Financial Analyst (CFA) designation.

 

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

Neil Gurney - Ascot Lloyd Independent Financial Adviser

Neil Gurney

Areas of expertise

Neil is a highly qualified and specially trained financial adviser with over twenty years’ experience in the financial services industry. He understands the importance of a long term client relationship which is built on trust and understanding. With experience and enthusiasm, Neil provides advice on all aspects of financial planning which includes pensions, investments, protection and inheritance tax planning.

Neil believes in delivering a first class advisory service to all clients and helps to plan and protect financial goals in the ever changing economic climate.

Background

Neil’s career in financial services started in 1996 with Abbey National IFA Ltd in Bristol. Over the years he has gained a wealth of knowledge and experience from working in a variety of support and advisory positions within the financial sector.

As a qualified chartered financial planner, Neil joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2014. Neil provides financial planning advice to clients across Gloucestershire and the surrounding counties.

Sharon Cater

Sharon served her apprenticeship with Noble Lowndes from 1983 working with companies such as ITV, Granada TV, John Laing, Lufthansa, The Mirror Group and BACS. Sharon is highly qualified technically and by examination. She is a member of the Chartered Insurance Institute and Personal Finance Society. This includes specialist qualifications in taxation and trusts, care fees planning for the elderly, inheritance tax and investment planning.

Sharon is in the process of becoming a member of an approved panel of advisers for the elderly.

Sharon says: During our lies circumstances and needs change. Forming a long term relationship with an experienced and specialist independent financial planner provides both emotional and financial guidance making sure the client is cared for throughout their working lives into retirement.

Nigel Stratton - Independent Financial Adviser

Nigel Stratton

Nigel has over the years built a wealth of experience in most areas of taxation and personal financial planning including inheritance tax, onshore and offshore trusts, individual and corporate pension arrangements, investment bonds (onshore/offshore), investment ISAs and collective accounts, pensions, venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Nigel has over 40 years of experience in financial services. Before joining Ascot Lloyd, Nigel was executive consultant with IFG (taken over by Ascot Lloyd in 2014 and prior to that a director with Premier Investment Management Services (taken over by IFG in 1999). Prior to 1999 Nigel had almost 20 years experience within a life and pensions company.

Joe Roxborough - Independent Financial Adviser

Joe Roxborough

Joe is a Chartered Financial Planner and has worked in financial services since 2008.  Joe’s areas of expertise include investments, tax and succession planning. He is also keenly interested in behavioural economics and ethical investments in order to create bespoke financial plans for his clients.

In addition the Advanced Diploma in Financial Planning, he also holds the Investment Management Certificate from the Chartered Financial Analyst (CFA) Society and is an Affiliate Member of the Society of Trust and Estate Planners (STEP).  Joe has held technical and advisory positions at various large wealth management firms and a major private bank.

Joe is keen writer and has articles published in The Times, The Telegraph, FT Adviser, Citywire, Moneysupermarket.co.uk and others.  As well as advising his clients on a one-to-one basis, Joe has presented at many seminars, explaining the benefits of financial planning around Estate and Legacy Planning, Pensions, Protection and more.

?>

Highland IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Inverclyde IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

?>

Inverness-shire IFAs

Isle of Anglesey IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

?>

Isle of Wight IFAs

Paul David Brown - Ascot Lloyd Independent Financial Adviser

Paul David Brown

Areas of expertise

Paul works mainly with private clients, individuals and families, helping them to achieve their goals via prudent management of their finances.  He believes that whilst achieving excellent investment performance is important it is only part of the picture, equally important is the individual journey a client takes to achieve their financial aims using other planning factors which can be very powerful.

For some people this will mean a very different approach to others, and Paul takes pride in helping each client formulate their own lifetime financial plan, ensuring they really understand the impact of what action they take (or in many cases action they do not take) in shaping their future lifestyle.

Paul is particularly interested helping clients with pension and investment planning, showing them ways of using their personal tax allowances and reliefs to help them build assets faster, and also how to benefit from tax efficient income in retirement.  He also takes a keen interest in helping clients plan for and mitigate their inheritance tax liability, using a variety of different solutions.

Paul sums up his role primarily as ‘helping clients and their families make the most of what they have’.

Background

Despite looking so young Paul has over 14 years’ experience in Financial Services.  Having attended University he worked in payroll and secured lending before joining Lloyds Banking Group as a Premier Banking Manager.  Having discovered a passion for advising clients with their financial affairs Paul undertook his investment and financial planning exams and worked in the role of Financial Adviser until 2012 when the Retail Distribution Review led to the high street banks withdrawing from face to face investment advice.

Paul took this opportunity to push on with his career, firstly becoming a partner with St James’s Place Wealth Management and later taking up the role of Executive Financial Planner with Bellpenny.  With Bellpenny now re-branded as Ascot Lloyd and full IFA status attained, Paul is employed as an Independent Financial Adviser and very much enjoys working with his existing clients and meeting new clients.

silhouette of man

Gavin Foster

Areas of expertise

Gavin advises clients in all areas of financial advice including investments, pensions, trusts, insurance and tax planning. Gavin believes in taking a holistic approach to wealth management and can also assist with inheritance tax (IHT) planning and planning exit strategies for business owners.

Gavin works closely with a small group of private clients always providing a high quality personal service and advice you can trust.

Background

Gavin joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2013. He has over 20 years of financial services experience having previously worked for Standard Chartered Bank and RBC Wealth Management. Gavin is a Chartered Member of the Chartered Institute for Securities & Investment (CISI) and holds the level 6 certificate in Private Client Investment Advice and Management (PCIAM). Based in Petersfield, Gavin works with clients throughout Hampshire, Surrey and West Sussex.

Jonathan Kavanagh

Mark Werner

Mark’s area of expertise is in the pensions arena, as well as tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including complex occupational pensions and divorce settlements).

Mark has 25 years of experience in financial services. Before joining Ascot Lloyd, he owned and managed an advice firm which merged with Ascot Lloyd in 2016.

Scott Moody

?>

Isles of Scilly IFAs

Kent IFAs

Kevin Clare

Kevin’s areas of expertise include tax-efficient investment planning, retirement and inheritance tax planning, advising both individuals and businesses. He has a keen interest in helping individuals through the complex and life changing decisions at retirement (including complex pensions and also divorce settlements).

Kevin has worked in the Financial Services industry for over 30 years, with most of these in the Tunbridge Wells and Tonbridge area. Before joining Ascot Lloyd, he worked for several local firms as a financial adviser.

Matt Spain-Warner - Ascot Lloyd Independent Financial Adviser

Matt Spain-Warner

Areas of expertise

Matt’s role is to help his clients accomplish the goals, objectives and outcomes that are most important to them. It is important that he understands his client’s bigger picture, values goals and fears.

Matt believes money is a means to an end and not the end itself. It is what the money can do for us or what we can do with the money that ultimately matters. Getting advice on just one area of your finances is dangerous because all areas of personal wealth are interlinked in some way. Therefore, Matt develops a clear plan that covers your goals, how to manage risk, how to structure your investments, how to keep tax to a minimum and how to create a legacy; all with your most important outcomes in mind. He will then regularly review your progress towards meeting your goals and outcomes, and any action that might be required to keep you on track.

Background

Matt has 22 years of experience in financial services which started in 1995 with Friends Provident. Since then he has advised private clients from all walks of life but his main expertise being London based legal professionals.

Matt joined Bellpenny (now part of Ascot Lloyd) in January 2013 and lives in Kent. He looks after clients in London, Sussex, Surrey and Devon. He recognises that trust has to be earned and works hard to establish long lasting client and family relationships. He firmly believes that face to face client advice is hugely important because remote or telephone based services will almost always be very transactional and focus on client money, rather than the outcomes that are most important to them.

Bob Bradley - Ascot Lloyd Independent Financial Adviser

Bob Bradley

Areas of expertise

Bob is a chartered financial planner and is fully committed to their ethos of providing good ethical advice and always putting the clients’ best interests at the forefront of what he does. Bob prides himself on providing a prompt, professional and friendly service to his clients. Bob’s ethos when giving advice is ‘What would I do myself?’ and he uses this to ensure his client’s needs remain central to his work.

Background

Bob began his career in Financial Services in March 1981 with Equity & Law life Assurance Society, where he received rigorous and thorough training in personal investments and tax as well as pensions.  In September 1983 he first became an independent adviser, before forming his own business, Trustee Asset Management in October 1986. This started with a business partner and a part time secretary and under Bob’s stewardship the company grew to employ more than 20 staff providing independent advice to more than 2000 clients.

In June 2015 Bob sold Trustee Asset Management to Bellpenny and has stayed on to continue to provide a service to his clients since that time. Bob joined Ascot Lloyd when the company merged with Bellpenny in 2017.

Nick Bird - Independent Financial adviser

Nick Bird

Areas of expertise

Nick has been providing face to face financial advice to a wide range of clients for over 30 years.  He advises on all aspects of financial planning, including pensions, investments and protection and is also qualified to discuss various tax planning issues.

Nick likes to work closely with his clients and has built up very strong professional and personal relationships with them over the years.  He believes this is imperative in being able to provide totally independent and unbiased advice for them.

 

Background

Nick graduated from the University of Kent in 1981 with an honours degree in Economics.  He joined Equity & Law in 1982 as a broker consultant and moved to Zurich in 1984 pursuing the same role. In 1987, he joined the independent financial advisers, Trustee Asset Management Limited, where he became a director in 1988.

Nick joined Ascot Lloyd when the company merged with Bellpenny where he had been since July 2015. He continues to provide a professional service to his valued and long-standing clients.

?>

Kincardineshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Lanarkshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Lancashire IFAs

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

Mark Dowde

Mark Dowde

Mark is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. To ensure clients receive the most complete level of service Mark believes that up to date knowledge and a high level of qualifications is essential. Mark provides advice on most areas of financial planning and enjoys client interaction with a relaxed but hard working attitude.

After graduating university with a degree in biology, Mark began his career in financial services and specifically pensions through a graduate trainee scheme. Mark joined Skipton Building Society as a Trainee Financial Adviser and subsequently moved to Pantheon Financial Management, where he worked for 11 years until the company was acquired by Ascot Lloyd in 2018. Mark has a total of 14 years experience in financial services.

In his time with Pantheon, in addition to advising clients, Mark worked in a dual role as Head of Planning. This involved a range of technical and research responsibilities along with the management of the paraplanning team. Since joining Ascot Lloyd Mark now focuses on advising clients.

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Helen Richardson

Helen Richardson

Areas of expertise

Helen has more than 20 years’ of experience, utilising her knowledge with clients and is experienced at aligning their circumstances to their financial position.

Helen’s favourite part of being a full time adviser is creating and maintaining strong client relationships. When asked what the favourite part of her role is she says, “People! I love building relationships and understanding what makes people tick, then creating solutions to help them achieve their goals. I look after my clients as if their wealth is my own. I believe that trust is imperative and once it has been earned it is all about maintaining the relationship through regular reviews and contact. Whilst I focus on their financial position, they can focus on the things they enjoy in life –  be it time with their family or indulging hobbies.”

Background

Helen’s career began in the investment arena where her roles included being a Director of Research. This involved working in the investment arena and spending considerable time interviewing fund managers and reviewing their strategies and success rates. Being independent, this involved a lot of comparative analysis and grew her success rate. The press regularly contacted Helen for her views. She was previously a member of The Money Panel for the Daily Mail.

With this background Helen regards her area of specialism as investments and applies this to stand alone investment or retirement planning, alongside advising on Inheritance Tax planning and more generalist protection.

Helen holds a wide range of financial qualifications covering investments, pre-and-post retirement planning, tax and protection so is able to advise private clients across a broad spectrum of topics.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Leicestershire IFAs

Christopher Rose

Christopher Rose

Area of expertise

As wealth management specialist, Chris is particularly skilled in the areas of portfolio management and investment planning. His main focus is on high net worth and affluent individuals along with corporate clients. He thrives on developing trust relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Chris appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

Background

Chris began his career in financial services in 1994 and has a total of 24 years experience and has a long track record of working with, and alongside, other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Mark Rodgers - Ascot Lloyd Independent Financial Adviser

Mark Rodgers

Graham Letts

Graham’s areas of expertise include investment planning and inheritance tax planning. He has a keen interest in clients planning for their retirement, both in respect of clients directly but also succession planning for dependents. Constant changes in pension legislation make this an area of great interest to Graham and he always ensures he is up to date with the latest changes.

Graham has over 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading UK firm as a senior financial adviser more recently in a management position. He has also worked for a major UK bank.

Nigel Stratton - Independent Financial Adviser

Nigel Stratton

Nigel has over the years built a wealth of experience in most areas of taxation and personal financial planning including inheritance tax, onshore and offshore trusts, individual and corporate pension arrangements, investment bonds (onshore/offshore), investment ISAs and collective accounts, pensions, venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Nigel has over 40 years of experience in financial services. Before joining Ascot Lloyd, Nigel was executive consultant with IFG (taken over by Ascot Lloyd in 2014 and prior to that a director with Premier Investment Management Services (taken over by IFG in 1999). Prior to 1999 Nigel had almost 20 years experience within a life and pensions company.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

Steve Bucknall - Financial Adviser

Steve Bucknall

As an Independent Financial Adviser for Ascot Lloyd, Steve works closely with both individuals and SME’s. Steve has gained a number of qualifications including; The Financial Planning Certificate, CeMAP, QCF Level Four Diploma, Statement of Professional Standing (SPS), Advanced Diploma in Taxation & Trusts and Personal Investment Planning. Steve is also a member of the Personal Finance Society. His specialist areas are holistic financial planning, investment and pension planning.

When Steve’s not working, he enjoys spending time with his family, especially his 2 daughters. He enjoys playing squash, going paddling in his kayak & playing the occasional round of golf.

?>

Lincolnshire IFAs

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Graham Letts

Graham’s areas of expertise include investment planning and inheritance tax planning. He has a keen interest in clients planning for their retirement, both in respect of clients directly but also succession planning for dependents. Constant changes in pension legislation make this an area of great interest to Graham and he always ensures he is up to date with the latest changes.

Graham has over 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading UK firm as a senior financial adviser more recently in a management position. He has also worked for a major UK bank.

Nigel Stratton - Independent Financial Adviser

Nigel Stratton

Nigel has over the years built a wealth of experience in most areas of taxation and personal financial planning including inheritance tax, onshore and offshore trusts, individual and corporate pension arrangements, investment bonds (onshore/offshore), investment ISAs and collective accounts, pensions, venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Nigel has over 40 years of experience in financial services. Before joining Ascot Lloyd, Nigel was executive consultant with IFG (taken over by Ascot Lloyd in 2014 and prior to that a director with Premier Investment Management Services (taken over by IFG in 1999). Prior to 1999 Nigel had almost 20 years experience within a life and pensions company.

?>

London IFAs

Paul David Brown - Ascot Lloyd Independent Financial Adviser

Paul David Brown

Areas of expertise

Paul works mainly with private clients, individuals and families, helping them to achieve their goals via prudent management of their finances.  He believes that whilst achieving excellent investment performance is important it is only part of the picture, equally important is the individual journey a client takes to achieve their financial aims using other planning factors which can be very powerful.

For some people this will mean a very different approach to others, and Paul takes pride in helping each client formulate their own lifetime financial plan, ensuring they really understand the impact of what action they take (or in many cases action they do not take) in shaping their future lifestyle.

Paul is particularly interested helping clients with pension and investment planning, showing them ways of using their personal tax allowances and reliefs to help them build assets faster, and also how to benefit from tax efficient income in retirement.  He also takes a keen interest in helping clients plan for and mitigate their inheritance tax liability, using a variety of different solutions.

Paul sums up his role primarily as ‘helping clients and their families make the most of what they have’.

Background

Despite looking so young Paul has over 14 years’ experience in Financial Services.  Having attended University he worked in payroll and secured lending before joining Lloyds Banking Group as a Premier Banking Manager.  Having discovered a passion for advising clients with their financial affairs Paul undertook his investment and financial planning exams and worked in the role of Financial Adviser until 2012 when the Retail Distribution Review led to the high street banks withdrawing from face to face investment advice.

Paul took this opportunity to push on with his career, firstly becoming a partner with St James’s Place Wealth Management and later taking up the role of Executive Financial Planner with Bellpenny.  With Bellpenny now re-branded as Ascot Lloyd and full IFA status attained, Paul is employed as an Independent Financial Adviser and very much enjoys working with his existing clients and meeting new clients.

Graham Speller - Independent Financial Adviser

Graham Speller

Areas of expertise

Graham’s main aim is to help clients make informed decisions that are appropriate for them and their families.

Graham advises on all aspects of finance (including pensions, investments, protection and tax planning) and believes that all clients deserve a bespoke approach to provide a tailored financial plan, together with the ability to provide proactive financial advice throughout each life stage and financial situation, thus enabling clients to reach their financial goals . Graham feels the relationship between a financial planner is meant for the long term and is primarily based on trust, professionalism and loyalty.

Background

Graham has 30 years’ experience in financial services. Graham started with Prudential in 1982 training as a systems accountant and progressed to the field staff as a sales manager.  In 1997 Graham took responsibility for providing advice to teachers and lecturers who were members of the Teachers Pension Scheme, as Prudential were responsible for managing the Additional Voluntary Contribution Scheme.  Graham left the Prudential in 2000 and started his own IFA practice, together with a mortgage broker business.  Graham sold these to Bellpenny in 2012  and started working for Bellpenny as a Financial Planner in June 2015. Graham joined Ascot Lloyd when the company merged with Bellpenny in 2017.

Sheetal Radia

Sheetal Radia

Areas of expertise

Clients value Sheetal’s expertise in helping them and their  families make informed decisions about their finances. He advises on all aspects of finance (including investment, pension and tax planning) and appreciates the importance of providing a service to meet the differing needs of clients. Sheetal recognises that by forming strong partnerships with clients enables them to meet their  short, medium and long term goals.

Background

Sheetal has over 20 years of financial services experience and started his career in investment banking before moving into wealth management and financial planning. One of a select few that is a Chartered Wealth Manager, he has also attained the highly regarded Chartered Financial Analyst (CFA) designation.

 

Jelena Gunner - Ascot Lloyd Independent Financial Adviser

Jelena Gunner

Area of expertise

Pensions, Investments, Inheritance Tax Planning

As a Financial Planner, at the heart of what I do is a simple idea- appropriate planning is the key to financial strength. I use my knowledge and experience to create a plan which is right for my clients.

People trust and choose me to help them make informed choices. I simplify their lives by cutting through the web of options and selecting  solutions which are personal to them. I make it easy for my clients as I take on the tasks of arranging the  paperwork, communicating with various providers and obtaining necessary information to ensure my clients receive a reliable service.

Background

Before working in the Finance industry I managed  a couple of successful restaurants. This experience honed my organisational and planning skills, as well as giving me a focus on financial side of profit and loss. My passion is helping people and coupled with my mathematical background, finance has been a natural progression.

I have been in finance for over 17 years. I started my career in Nat West Bank in 2001 where I looked after the high net worth clients, specialising in investment advice and inheritance tax planning.

Since leaving the bank in 2012, I worked as an Independent Financial Adviser and broadened my experience, to include pensions and general investments such as ISAs. I joined Bellpenny (now Ascot Lloyd) in 2016.

 

Allan Perry

Allan Perry

Allan’s areas of expertise include pre and post retirement financial planning, tax-efficient investment planning and mitigating inheritance tax. He also has vast experience in arranging personal and family protection (income protection, health and life insurance). Allan believes that financial planning is not simply about setting a plan, but understanding the discipline it takes to achieve it. That’s where a clear strategy makes the dreams start to become reality.

Allan began his career in financial services in 1987 at Barclays Bank. In 1996 he switched to working at sea as a Purser and Excursion Manager for US and UK-based cruise lines. Allan joined Ascot Lloyd as a financial adviser in 2006.

Allan is a chartered member of the London Institute of Banking and Finance.

silhouette of man

John Aubrey

Areas of expertise

John’s main aim is to make clients lives easier.  He sees his role as one of simplifying the often confusing world of finance to help clients make informed decisions that are right for them. John advises on all aspects of finance (including pensions, investments and tax planning) and believes that as all clients are different he will never adopt a ‘one size fits all approach’ and believes everyone is different and it is only by working closely together that he can provide the best solutions.

John feels that every new client should be viewed as someone you will work with for 30 years – and that long term relationships help establish the trust that is needed when dealing with clients finances.

Background

John has almost 20 years of experience in financial services. His career in financial services started in 1998 with PricewaterhouseCoopers (PWC) and in 2015 John moved across the Severn Bridge to live and work full time in London having previously been employed for leading companies such as Lloyds and Chase de Vere.

John joined Bellpenny (now part of Ascot Lloyd) in 2015 and although he now lives in London he still believes that face to face advice is important and has clients throughout the UK.  John prides himself on always making himself available when clients need to see him – no matter where they live in the country.   With this in mind John manages a smaller number of clients to ensure that he is able to provide a trusted and reliable service.

silhouette of man

Gavin Foster

Areas of expertise

Gavin advises clients in all areas of financial advice including investments, pensions, trusts, insurance and tax planning. Gavin believes in taking a holistic approach to wealth management and can also assist with inheritance tax (IHT) planning and planning exit strategies for business owners.

Gavin works closely with a small group of private clients always providing a high quality personal service and advice you can trust.

Background

Gavin joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2013. He has over 20 years of financial services experience having previously worked for Standard Chartered Bank and RBC Wealth Management. Gavin is a Chartered Member of the Chartered Institute for Securities & Investment (CISI) and holds the level 6 certificate in Private Client Investment Advice and Management (PCIAM). Based in Petersfield, Gavin works with clients throughout Hampshire, Surrey and West Sussex.

John Inglese

John works across all areas of financial planning helping those from all walks of life making sure they have the right amount of money in the right place at the right time.

John has 26 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading pensions and investment company, initially as a sales consultant he soon progressed to sales manager overseeing a team of graduates in training and development. In 2001 following the closure of the company he made the switch to being an independent financial adviser.

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

James Davidson

James Davison

Areas of expertise

James became an adviser in June 2004. He has an extensive knowledge of stock markets, making him an expert in pensions and investment planning for our London clients. James joined Ascot Lloyd via the acquisition of IFG Financial Services in 2014.

Background

James holds a BA in Economics from Durham University and the Advanced Financial Planning Certificate (AFPC).

Penny Speller - Ascot Lloyd Independent Financial adviser

Penny Speller

Areas of expertise

Penny is dedicated to helping her clients, and their families, make informed decisions about their finances. Penny advises on all aspects of finance (including pensions, investments and tax planning) and believes in providing a tailored service to meet the differing needs of her clients. Penny believes that the best advice comes through building lasting relationships and truly getting to know the short, medium and long term goals of her clients, and their extended family.

 

Background

Penny joined Ascot Lloyd when the company merged with Bellpenny in 2017. Penny has 25 years’ experience in financial services, starting her career in 1988 with Prudential. In 2012 Penny sold her IFA practice to Bellpenny, having been an IFA since 2008 Penny wanted to continue to advise her clients from her own practice and so joined Bellpenny to become a Financial Planner. Penny strongly believes that face to face advice is important and has clients throughout the UK.  Since joining Bellpenny, she has become an associate member for the Society of Later Life Advisers, SOLLA, and is currently undertaking additional examinations, in later life advice, to specialise in this area and achieve full Accreditation in 2018

Les Andrews - Ascot Lloyd Independent Financial Adviser

Les Andrews

Areas of expertise

Les’s main aim is for both he and his clients to understand their financial needs and how they can achieve their goals. He advises on all aspects of finance (including pensions, risk benefits, investments and tax planning) and believes that every client has different needs and as such requires different solutions to meet with their expectations. Les has established long term relationships with his clients, many in excess or 25 to 30 years. He believes this is as a result of his clients learning to trust him.

Les has clients all around South East England. He believes that meeting clients face to face is important in developing relationships and will always make himself available. With this in mind Les manages a smaller number of clients to ensure a good and trusted service to his clients.

Background

Les has over 30 years of experience in offering financial advice. He  has spent his career with leading IFA firms Roy Trust Financial Services, Jardine Financial Services(now JLT) and MDM Financial Services Limited. Les  joined Ascot Lloyd when the company merged with Bellpenny where Les had been since 2014, following the sale of MDM .

 

Mark Sleeman

Mark has a wide ranging skill set covering most aspects of financial services but is in his element when dealing with the complex aspects of clients’ affairs. This can often involve clients close to the pension lifetime allowance, pension transfers (e.g. defined benefit and pension sharing on divorce) or offshore investment vehicles. Being an associate for the Society for Trust and Estate Planning (STEP) ensures Mark is well versed in the finer detail of trusts and taxation.

Mark has 12 years of experience in financial services and spent a lot of his early career in Sheffield.

Matt Spain-Warner - Ascot Lloyd Independent Financial Adviser

Matt Spain-Warner

Areas of expertise

Matt’s role is to help his clients accomplish the goals, objectives and outcomes that are most important to them. It is important that he understands his client’s bigger picture, values goals and fears.

Matt believes money is a means to an end and not the end itself. It is what the money can do for us or what we can do with the money that ultimately matters. Getting advice on just one area of your finances is dangerous because all areas of personal wealth are interlinked in some way. Therefore, Matt develops a clear plan that covers your goals, how to manage risk, how to structure your investments, how to keep tax to a minimum and how to create a legacy; all with your most important outcomes in mind. He will then regularly review your progress towards meeting your goals and outcomes, and any action that might be required to keep you on track.

Background

Matt has 22 years of experience in financial services which started in 1995 with Friends Provident. Since then he has advised private clients from all walks of life but his main expertise being London based legal professionals.

Matt joined Bellpenny (now part of Ascot Lloyd) in January 2013 and lives in Kent. He looks after clients in London, Sussex, Surrey and Devon. He recognises that trust has to be earned and works hard to establish long lasting client and family relationships. He firmly believes that face to face client advice is hugely important because remote or telephone based services will almost always be very transactional and focus on client money, rather than the outcomes that are most important to them.

Paul Munday

Mark Leefe - Ascot Lloyd Independent Financial Adviser

Mark Leefe

Mark has worked in the sphere of employee benefits for many years, having had experience of advising and supporting some of the largest employers in the UK. This work has covered many aspects of employee benefits, providing Mark with a wide experience of the market.

He graduated in Plymouth originally and has since attained the Advanced Diploma in Financial Planning (from the Chartered Insurance Institute) through study and examination.
Currently Mark focusses mainly on Ascot Lloyd clients in the London and southern regions of the UK, operating from our London office.

Bob Bradley - Ascot Lloyd Independent Financial Adviser

Bob Bradley

Areas of expertise

Bob is a chartered financial planner and is fully committed to their ethos of providing good ethical advice and always putting the clients’ best interests at the forefront of what he does. Bob prides himself on providing a prompt, professional and friendly service to his clients. Bob’s ethos when giving advice is ‘What would I do myself?’ and he uses this to ensure his client’s needs remain central to his work.

Background

Bob began his career in Financial Services in March 1981 with Equity & Law life Assurance Society, where he received rigorous and thorough training in personal investments and tax as well as pensions.  In September 1983 he first became an independent adviser, before forming his own business, Trustee Asset Management in October 1986. This started with a business partner and a part time secretary and under Bob’s stewardship the company grew to employ more than 20 staff providing independent advice to more than 2000 clients.

In June 2015 Bob sold Trustee Asset Management to Bellpenny and has stayed on to continue to provide a service to his clients since that time. Bob joined Ascot Lloyd when the company merged with Bellpenny in 2017.

Glenn Barrett

Glenn is a highly experienced and qualified financial adviser. The main areas of expertise are in pension transfers, and in all aspects of ‘at retirement’ and post retirement financial planning. Glenn invests time to get to know his clients so that he can build a financial plan that factors in the wider financial circumstances of the family. Many of Glenn’s younger clients are often the children of existing clients, referred by their parents.

Glenn has 40 years of experience in financial services. Before joining Ascot Lloyd in 2005, he worked as an adviser in firms specialising in advice to the clergy, and to the medical profession.

Martin Purnell

Martin’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment and retirement planning and mitigating inheritance tax. Martin has many years experience dealing with the older client.

Martin has 22 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading companies, all in the top 100 adviser firms in the UK, as a financial adviser. Prior to becoming a financial adviser, Martin started his career in a managerial capacity within the hotel and catering industry, gaining valuable experience dealing with client’s expectations and requirements.

Nick Bird - Independent Financial adviser

Nick Bird

Areas of expertise

Nick has been providing face to face financial advice to a wide range of clients for over 30 years.  He advises on all aspects of financial planning, including pensions, investments and protection and is also qualified to discuss various tax planning issues.

Nick likes to work closely with his clients and has built up very strong professional and personal relationships with them over the years.  He believes this is imperative in being able to provide totally independent and unbiased advice for them.

 

Background

Nick graduated from the University of Kent in 1981 with an honours degree in Economics.  He joined Equity & Law in 1982 as a broker consultant and moved to Zurich in 1984 pursuing the same role. In 1987, he joined the independent financial advisers, Trustee Asset Management Limited, where he became a director in 1988.

Nick joined Ascot Lloyd when the company merged with Bellpenny where he had been since July 2015. He continues to provide a professional service to his valued and long-standing clients.

Nigel Stratton - Independent Financial Adviser

Nigel Stratton

Nigel has over the years built a wealth of experience in most areas of taxation and personal financial planning including inheritance tax, onshore and offshore trusts, individual and corporate pension arrangements, investment bonds (onshore/offshore), investment ISAs and collective accounts, pensions, venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Nigel has over 40 years of experience in financial services. Before joining Ascot Lloyd, Nigel was executive consultant with IFG (taken over by Ascot Lloyd in 2014 and prior to that a director with Premier Investment Management Services (taken over by IFG in 1999). Prior to 1999 Nigel had almost 20 years experience within a life and pensions company.

Joe Roxborough - Independent Financial Adviser

Joe Roxborough

Joe is a Chartered Financial Planner and has worked in financial services since 2008.  Joe’s areas of expertise include investments, tax and succession planning. He is also keenly interested in behavioural economics and ethical investments in order to create bespoke financial plans for his clients.

In addition the Advanced Diploma in Financial Planning, he also holds the Investment Management Certificate from the Chartered Financial Analyst (CFA) Society and is an Affiliate Member of the Society of Trust and Estate Planners (STEP).  Joe has held technical and advisory positions at various large wealth management firms and a major private bank.

Joe is keen writer and has articles published in The Times, The Telegraph, FT Adviser, Citywire, Moneysupermarket.co.uk and others.  As well as advising his clients on a one-to-one basis, Joe has presented at many seminars, explaining the benefits of financial planning around Estate and Legacy Planning, Pensions, Protection and more.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

silhouette of man

Will Diggins

Areas of expertise

William likes to focus on holistic financial planning, taking into account all aspects of his clients’ needs, including retirement planning, investments, estate planning, protection and tax planning. He believes this is important because it allows him to make recommendations that are bespoke to each of his clients and focuses on meeting each of their goals and objectives through the most efficient financial solutions, while looking at the whole picture.

Background

William has two years of experience in financial services, having graduated from the Ascot Lloyd Adviser Academy. Before joining Ascot Lloyd, he spent 12 years working for Southend Borough and Essex County Councils managing Young Offenders and working in the Courts. He focuses on outstanding client service and building long-lasting client relationships in which clients feel looked-after and truly valued.

Qualifications: William currently holds the certified diploma in financial planning and is currently working towards obtaining chartered qualifications. He also has a Bachelor of Science Degree in Psychology.

?>

Manchester IFAs

Neil Martin - Independent Financial Adviser

Neil Martin

Neil’s areas of expertise include tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including flexible retirement income solutions).

Neil has over 30 years of experience in financial services. Before joining Ascot Lloyd he worked for several leading UK firms as an independent financial adviser and is passionate about providing holistic independent financial advice to his existing and new clients. Prior to working as a financial adviser, Neil worked for a number of financial services providers as a consultant and as a manager.

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

Mark Dowde

Mark Dowde

Mark is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. To ensure clients receive the most complete level of service Mark believes that up to date knowledge and a high level of qualifications is essential. Mark provides advice on most areas of financial planning and enjoys client interaction with a relaxed but hard working attitude.

After graduating university with a degree in biology, Mark began his career in financial services and specifically pensions through a graduate trainee scheme. Mark joined Skipton Building Society as a Trainee Financial Adviser and subsequently moved to Pantheon Financial Management, where he worked for 11 years until the company was acquired by Ascot Lloyd in 2018. Mark has a total of 14 years experience in financial services.

In his time with Pantheon, in addition to advising clients, Mark worked in a dual role as Head of Planning. This involved a range of technical and research responsibilities along with the management of the paraplanning team. Since joining Ascot Lloyd Mark now focuses on advising clients.

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

Helen Richardson

Helen Richardson

Areas of expertise

Helen has more than 20 years’ of experience, utilising her knowledge with clients and is experienced at aligning their circumstances to their financial position.

Helen’s favourite part of being a full time adviser is creating and maintaining strong client relationships. When asked what the favourite part of her role is she says, “People! I love building relationships and understanding what makes people tick, then creating solutions to help them achieve their goals. I look after my clients as if their wealth is my own. I believe that trust is imperative and once it has been earned it is all about maintaining the relationship through regular reviews and contact. Whilst I focus on their financial position, they can focus on the things they enjoy in life –  be it time with their family or indulging hobbies.”

Background

Helen’s career began in the investment arena where her roles included being a Director of Research. This involved working in the investment arena and spending considerable time interviewing fund managers and reviewing their strategies and success rates. Being independent, this involved a lot of comparative analysis and grew her success rate. The press regularly contacted Helen for her views. She was previously a member of The Money Panel for the Daily Mail.

With this background Helen regards her area of specialism as investments and applies this to stand alone investment or retirement planning, alongside advising on Inheritance Tax planning and more generalist protection.

Helen holds a wide range of financial qualifications covering investments, pre-and-post retirement planning, tax and protection so is able to advise private clients across a broad spectrum of topics.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Merseyside IFAs

Neil Martin - Independent Financial Adviser

Neil Martin

Neil’s areas of expertise include tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement planning (including flexible retirement income solutions).

Neil has over 30 years of experience in financial services. Before joining Ascot Lloyd he worked for several leading UK firms as an independent financial adviser and is passionate about providing holistic independent financial advice to his existing and new clients. Prior to working as a financial adviser, Neil worked for a number of financial services providers as a consultant and as a manager.

?>

Merthyr Tydfil IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Midlothian IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Monmouthshire IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Moray IFAs

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Neath Port Talbot IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Newport IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Norfolk IFAs

North Yorkshire IFAs

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

Mark Dowde

Mark Dowde

Mark is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. To ensure clients receive the most complete level of service Mark believes that up to date knowledge and a high level of qualifications is essential. Mark provides advice on most areas of financial planning and enjoys client interaction with a relaxed but hard working attitude.

After graduating university with a degree in biology, Mark began his career in financial services and specifically pensions through a graduate trainee scheme. Mark joined Skipton Building Society as a Trainee Financial Adviser and subsequently moved to Pantheon Financial Management, where he worked for 11 years until the company was acquired by Ascot Lloyd in 2018. Mark has a total of 14 years experience in financial services.

In his time with Pantheon, in addition to advising clients, Mark worked in a dual role as Head of Planning. This involved a range of technical and research responsibilities along with the management of the paraplanning team. Since joining Ascot Lloyd Mark now focuses on advising clients.

Lindsay Carter - Ascot Lloyd Independent Financial Adviser

Lindsay Carter

Areas of expertise

Lindsay’s principle focus is taking a high level of care and time with clients to enable them to structure their finances in such a way that they understand and get the most out of them. One of Lindsay’s primary skills is identifying and prioritising the areas of financial planning which are important to each individual client.  Lindsay provides holistic financial advice on all areas of financial planning, from protection planning, investing for the future, tax efficient structuring of investments, retirement planning and estate planning.

Background

Lindsay has over 18 years of experience in financial services and joined Ascot Lloyd when the company merged with Bellpenny in 2017. Before joining Bellpenny, Lindsay started her career with Yorkshire Building Society in 1999 as a mortgage adviser.  In 2002, she started work at HSBC as a financial adviser before being promoted to the role of senior financial adviser with them.

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Helen Richardson

Helen Richardson

Areas of expertise

Helen has more than 20 years’ of experience, utilising her knowledge with clients and is experienced at aligning their circumstances to their financial position.

Helen’s favourite part of being a full time adviser is creating and maintaining strong client relationships. When asked what the favourite part of her role is she says, “People! I love building relationships and understanding what makes people tick, then creating solutions to help them achieve their goals. I look after my clients as if their wealth is my own. I believe that trust is imperative and once it has been earned it is all about maintaining the relationship through regular reviews and contact. Whilst I focus on their financial position, they can focus on the things they enjoy in life –  be it time with their family or indulging hobbies.”

Background

Helen’s career began in the investment arena where her roles included being a Director of Research. This involved working in the investment arena and spending considerable time interviewing fund managers and reviewing their strategies and success rates. Being independent, this involved a lot of comparative analysis and grew her success rate. The press regularly contacted Helen for her views. She was previously a member of The Money Panel for the Daily Mail.

With this background Helen regards her area of specialism as investments and applies this to stand alone investment or retirement planning, alongside advising on Inheritance Tax planning and more generalist protection.

Helen holds a wide range of financial qualifications covering investments, pre-and-post retirement planning, tax and protection so is able to advise private clients across a broad spectrum of topics.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Northamptonshire IFAs

Peter Beck - Independent Financial Adviser

Peter Beck

Areas of expertise

Peter’s focus is to ensure that his clients achieve their long term financial planning goals. He is keen to ensure that any financial planning is blended with personal lifestyle requirements to ensure the correct balance is achieved. Peter believes that his role is to provide the correct solutions in an easy to understand format. He understands that each client’s needs are bespoke and guides his clients through the assortment of tax efficient solutions. This allows clients to make timely decisions with all the pertinent facts.

Peter provides guidance on all aspects of finance (including pensions, investments and tax planning). He feels that truly understanding each client’s individual life goals is key to tailoring their planning accordingly. His philosophy is simple, client service is of paramount importance and this is only achieved by gaining a strong understanding of their needs.

Background

Peter has over 25 years’ experience in financial services. After a successful 12 year career with NatWest in London, Peter ran his own practice within St James’ Place for 17 years. He joined the team  when Entire Wealth Management was acquired in 2013 (by Bellpenny).

 

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

Graham Letts

Graham’s areas of expertise include investment planning and inheritance tax planning. He has a keen interest in clients planning for their retirement, both in respect of clients directly but also succession planning for dependents. Constant changes in pension legislation make this an area of great interest to Graham and he always ensures he is up to date with the latest changes.

Graham has over 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading UK firm as a senior financial adviser more recently in a management position. He has also worked for a major UK bank.

?>

Northumberland IFAs

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

?>

Nottinghamshire IFAs

Mark Rodgers - Ascot Lloyd Independent Financial Adviser

Mark Rodgers

Graham Letts

Graham’s areas of expertise include investment planning and inheritance tax planning. He has a keen interest in clients planning for their retirement, both in respect of clients directly but also succession planning for dependents. Constant changes in pension legislation make this an area of great interest to Graham and he always ensures he is up to date with the latest changes.

Graham has over 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading UK firm as a senior financial adviser more recently in a management position. He has also worked for a major UK bank.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Orkney IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Oxfordshire IFAs

Mark Sleeman

Mark has a wide ranging skill set covering most aspects of financial services but is in his element when dealing with the complex aspects of clients’ affairs. This can often involve clients close to the pension lifetime allowance, pension transfers (e.g. defined benefit and pension sharing on divorce) or offshore investment vehicles. Being an associate for the Society for Trust and Estate Planning (STEP) ensures Mark is well versed in the finer detail of trusts and taxation.

Mark has 12 years of experience in financial services and spent a lot of his early career in Sheffield.

Les Hodges - Ascot Lloyd Independent Financial Adviser

Les Hodges

Areas of expertise

Les specialises in investment and retirement advice, this includes legacy planning. Helping client’s build up their wealth during working years and advising on the best ways to enjoy their wealth during their retirement years. Continually keeping clients informed of investment decisions being made. The ultimate aim is for clients to enjoy their wealth whilst ensuring that any legacies that are left are made in most tax efficient way.

Les is a leading Independent Financial Adviser who has been in financial services for over 27 years, and has a vast experience of advising high net worth clients, both private and corporate clients, on both business and personal levels. He achieves this by getting to know and fully understanding all his client’s needs and expectations.

Glenn Barrett

Glenn is a highly experienced and qualified financial adviser. The main areas of expertise are in pension transfers, and in all aspects of ‘at retirement’ and post retirement financial planning. Glenn invests time to get to know his clients so that he can build a financial plan that factors in the wider financial circumstances of the family. Many of Glenn’s younger clients are often the children of existing clients, referred by their parents.

Glenn has 40 years of experience in financial services. Before joining Ascot Lloyd in 2005, he worked as an adviser in firms specialising in advice to the clergy, and to the medical profession.

?>

Peebleshire IFAs

Pembrokeshire IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Perth & Kinross IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Powys IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

?>

Renfrewshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Rhondda Cynon Taff IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Rutland IFAs

Shetland IFAs

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Shropshire IFAs

Mark Rodgers - Ascot Lloyd Independent Financial Adviser

Mark Rodgers

Peter Bannister - Financial Adviser

Peter Bannister

Peter joined Newell Palmer as an Independent Financial Adviser in 1994 before being appointed Director in 1997. He was a member of the board that helped grow Newell Palmer into a large regional IFA, until the business merged with Ascot Lloyd in December 2018. Peter advises both personal and corporate clients.

He holds a Level 4 Diploma and has advanced financial planning skills across the areas of pensions, business planning, taxation and trusts. Peter also holds the Investment Managers Certificate (IMC).

Away from work, Peter is a keen golfer and is kept busy at home with the family’s interest in horses.

?>

Somerset IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

Simon Annear Independent Financial Adviser

Simon Annear

Areas of expertise

My main aim is to help achieve my client’s plans, guiding them through the often complex nature of financial planning. I believe in simplifying the world of finance to help my clients make confident well informed decisions.

I advise on all aspects of wealth planning (including pensions, investments, trusts and tax planning) and I believe that as all clients are different, I work hard to ensure that all my solutions are tailor made to deliver the best possible outcomes for everyone’s differing requirements.

Background

I have over 30 years of experience in financial services. My career started in 1985 with Royal Insurance living and working from Swindon, Bristol and London, before returning to Devon, having previously been employed for leading companies such as  Scottish Amicable, RSA, Lloyds Banking Group and Police Mutual.

I joined Bellpenny (now Ascot Lloyd) in 2015 and currently live in Plymouth. I believe that face to face, family based advice is important and I have long standing clients mainly throughout the West Country, along with Hampshire, Berkshire and London. I strive to deliver understandable, relaxed meetings with interim help at hand whenever it is required.

?>

South Gloucestershire IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

?>

South Yorkshire IFAs

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

Mark Dowde

Mark Dowde

Mark is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. To ensure clients receive the most complete level of service Mark believes that up to date knowledge and a high level of qualifications is essential. Mark provides advice on most areas of financial planning and enjoys client interaction with a relaxed but hard working attitude.

After graduating university with a degree in biology, Mark began his career in financial services and specifically pensions through a graduate trainee scheme. Mark joined Skipton Building Society as a Trainee Financial Adviser and subsequently moved to Pantheon Financial Management, where he worked for 11 years until the company was acquired by Ascot Lloyd in 2018. Mark has a total of 14 years experience in financial services.

In his time with Pantheon, in addition to advising clients, Mark worked in a dual role as Head of Planning. This involved a range of technical and research responsibilities along with the management of the paraplanning team. Since joining Ascot Lloyd Mark now focuses on advising clients.

Christopher Rose

Christopher Rose

Area of expertise

As wealth management specialist, Chris is particularly skilled in the areas of portfolio management and investment planning. His main focus is on high net worth and affluent individuals along with corporate clients. He thrives on developing trust relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Chris appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

Background

Chris began his career in financial services in 1994 and has a total of 24 years experience and has a long track record of working with, and alongside, other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Lindsay Carter - Ascot Lloyd Independent Financial Adviser

Lindsay Carter

Areas of expertise

Lindsay’s principle focus is taking a high level of care and time with clients to enable them to structure their finances in such a way that they understand and get the most out of them. One of Lindsay’s primary skills is identifying and prioritising the areas of financial planning which are important to each individual client.  Lindsay provides holistic financial advice on all areas of financial planning, from protection planning, investing for the future, tax efficient structuring of investments, retirement planning and estate planning.

Background

Lindsay has over 18 years of experience in financial services and joined Ascot Lloyd when the company merged with Bellpenny in 2017. Before joining Bellpenny, Lindsay started her career with Yorkshire Building Society in 1999 as a mortgage adviser.  In 2002, she started work at HSBC as a financial adviser before being promoted to the role of senior financial adviser with them.

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Helen Richardson

Helen Richardson

Areas of expertise

Helen has more than 20 years’ of experience, utilising her knowledge with clients and is experienced at aligning their circumstances to their financial position.

Helen’s favourite part of being a full time adviser is creating and maintaining strong client relationships. When asked what the favourite part of her role is she says, “People! I love building relationships and understanding what makes people tick, then creating solutions to help them achieve their goals. I look after my clients as if their wealth is my own. I believe that trust is imperative and once it has been earned it is all about maintaining the relationship through regular reviews and contact. Whilst I focus on their financial position, they can focus on the things they enjoy in life –  be it time with their family or indulging hobbies.”

Background

Helen’s career began in the investment arena where her roles included being a Director of Research. This involved working in the investment arena and spending considerable time interviewing fund managers and reviewing their strategies and success rates. Being independent, this involved a lot of comparative analysis and grew her success rate. The press regularly contacted Helen for her views. She was previously a member of The Money Panel for the Daily Mail.

With this background Helen regards her area of specialism as investments and applies this to stand alone investment or retirement planning, alongside advising on Inheritance Tax planning and more generalist protection.

Helen holds a wide range of financial qualifications covering investments, pre-and-post retirement planning, tax and protection so is able to advise private clients across a broad spectrum of topics.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Staffordshire IFAs

Rudy Smith - Ascot Lloyd Independent Financial Adviser

Rudy Smith

Areas of expertise

Rudy offers a bespoke financial planning service to meet the needs of all his clients. He provides solutions that complement personal lifestyle requirements to enable clients to realise their long term financial goals in the most tax efficient manner. He provides advice on all aspects of finance, including tax planning, pensions and investments, believing that a clear understanding of client’s objectives is essential to provide appropriate solutions.

Background

Rudy brings a wealth of knowledge and experience to Ascot Lloyd with over 25 years in financial services. He became part of the team when Entire Wealth Management was acquired in 2013 (by Bellpenny).

Mark Rodgers - Ascot Lloyd Independent Financial Adviser

Mark Rodgers

David Prior - Chartered Financial Planner

David Prior

In addition to using his knowledge to advise his personal and corporate clients, David offers his expertise to his fellow advisers when they are dealing with complex financial matters. David was one of the contributing founders to Newell Palmer. He then became an IFA for Ascot Lloyd when the two businesses merged in December 2018. David has obtained a variety of Advanced Financial Planning Qualifications and has successfully attained Chartered Financial Planner status.

When David is not spending time with his family, outside of work he takes pleasure in his passion for Formula 1 Motor Racing and Paramotoring. When time permits, to keep himself healthy, David likes to head to the swimming pool or go rowing on the sea – he does this at his family owned cottage in Aberdovey.

Gemma Simpson - Financial Adviser

Gemma Simpson

Gemma’s career in the financial services industry starting in July 2001 when she worked for Birmingham Midshires. She worked there for 10 years before moving to Lloyds TSB, where she worked as an adviser on investments, pensions and protection. Gemma joined Newell Palmer in 2013 and then following a business merger in December 2018 became a Financial Adviser for Ascot Lloyd.

Gemma spends most of her days meeting with clients on a face to face basis or liaising with them over the telephone. She works with private clients and offers general financial planning advice, specialising mainly in investments and pensions. In terms of qualifications, she holds the Certificate for Financial Advisers (CeFA) and a Diploma in Financial Advice (DipFA) and is currently working towards Chartered status.

In her spare time, Gemma enjoys spending time with her friends and family, keeping fit and going to the gym on a regular basis as well as training in martial arts.

Hayley Bayliss - Chartered Financial Planner

Hayley Bayliss-Cotton

Hayley started her financial services career at Newell Palmer in 2010 and moved to work for Ascot Lloyd as a Chartered Financial Planner following a business merger in December 2018. Within her role she uses her knowledge to guide clients towards financial security by advising suitable business/personal protection policies alongside pension, investment and tax planning.

Hayley holds an Advanced Diploma in Financial Services along with a BA (Hons) in Business with Accounting and Finance. Hayley’s specialised areas include the corporate and pension sectors.

Outside of work, she enjoys participating in outdoor sports. Hayley prides herself in tackling a physical challenge at least once a year. She has hiked Kilimanjaro and cycled the British Coast to Coast.

Jason Barefoot - Chartered Financial Planner

Jason Barefoot

Jason started his finance career in September 2008 when he worked for Lloyds Banking Group. He went on to join AFH Wealth Management in August 2014 and then joined Newell Palmer in June 2015. Following this Jason has recently joined Ascot Lloyd as a Chartered Financial Planner on behalf of the two businesses merging in December 2018.

His current role involves advising on a wide range of issues to help clients achieve peace of mind and financial security. This is achieved by advising on a wide range of matters, including retirement planning, protection, tax planning and investments.

Jason holds a BA (Hons) in Management (Finance) and has successfully achieved Chartered Financial Planner status.

In his spare time, Jason enjoys playing golf and watching football.

Jenny Hubble - Financial Adviser

Jenny Hubble

Jenny started her career in financial services in 1989 at Abbey Life before joining Newell Palmer in 1997. Following a business merger in December 2018, Jenny now works as a Financial Adviser for Ascot Lloyd where she provides financial advice to corporate clients alongside financial and investment advice to personal clients.

Her expertise lies in working with small to medium size companies and partnerships, where advice can be provided. She also looks at protecting businesses, the shareholders and their families in the event of death and/or critical illness.

Outside of work Jenny enjoys attending her local gym and spending time with her family and friends.

Jeremy Baugh - Financial Adviser

Jeremy Baugh

Jeremy is a versatile member of the Ascot Lloyd team; he works closely with both personal and corporate clients. With over twenty-two years’ experience within financial services, having started his career at the Royal London, Jeremy is well equipped to advise clients on protection needs, pension planning and investment solutions. He also enjoys the long-term relationships he builds with his clients.

Jeremy is kept busy away from work by his young son and the family dog. Jeremy likes to travel, especially to a destination where he can go skiing. When he isn’t on the slopes, he can be found successfully returning the shuttle on the badminton court!

Martyn Billings - Financial Adviser

Martyn Billings

Martyn was a vital member of the Newell Palmer advisory team for 10-years and has since joined Ascot Lloyd as a Financial Adviser on behalf of the two companies merging in December 2018. He has 25-years’ experience in the profession in which he specialises in investments, pensions and IHT planning.

Away from the office, Martyn enjoys taking holidays and trips out with his long-term partner, Tracy. He enjoys meals out and regular exercise to burn off the extra calories gained!

Nick Watton - Financial Adviser

Nick Watton

Nick joined Newell Palmer as an Independent Financial Adviser in 2010, and went onto join Ascot Lloyd in the same capacity following the businesses merging in December 2018. As a Financial Adviser, Nick provides regulated financial advice, specialising in investments and pensions to retail clients – he is DipPFS qualified.

Nick is married with two grown up children and away from work he enjoys teeing off at his local golf club – he won’t disclose what his handicap is though!

Peter Bannister - Financial Adviser

Peter Bannister

Peter joined Newell Palmer as an Independent Financial Adviser in 1994 before being appointed Director in 1997. He was a member of the board that helped grow Newell Palmer into a large regional IFA, until the business merged with Ascot Lloyd in December 2018. Peter advises both personal and corporate clients.

He holds a Level 4 Diploma and has advanced financial planning skills across the areas of pensions, business planning, taxation and trusts. Peter also holds the Investment Managers Certificate (IMC).

Away from work, Peter is a keen golfer and is kept busy at home with the family’s interest in horses.

Richard Worrall - Financial Adviser

Richard Worrall

Richard was an Independent Financial Adviser for Newell Palmer for almost 10 years before the business joined forces with Ascot Lloyd in December 2018.

In his role, he delivers regulated financial advice to all of his client bank. Richard’s area of expertise includes the employee benefits scheme.

Away from the office, Richard enjoys spending time with his family.

Samuel Gregory - Financial Adviser

Samuel Gregory

Samuel started his finance career in 2004 when he worked for HSBC Bank PLC. Since leaving HSBC in 2012, he went on to work for three other IFA firms including Newell Palmer before joining Ascot Lloyd as an Independent Financial Adviser in December 2018.

Samuel is an Office Based Consultant in the Wolverhampton offices and primarily works with private clients providing face-to-face financial advice. He currently holds a Diploma in Financial Planning and is working towards achieving chartered status.

Outside of work, Samuel enjoys spending time with his wife, two children and their two pet dogs. He is also a keen sportsman and participates in a wide variety of sports.

Steven Cotterill - Financial Adviser

Steven Cotterill

Having attained over 30 years’ experience in the financial services sector, Steven is a fully qualified Independent Financial Adviser and advises both personal and corporate clients in all aspects of pension, investment and protection advice.

As a holder of the Diploma in Investment Planning, Steven takes a special interest in both investment and Inheritance Tax planning for clients.

Outside of work, Steven enjoys travelling abroad and when time allows, an occasional day on the golf course.

Tonia Hurst - Financial Adviser

Tonia Hurst

Tonia’s career in the financial services industry began 24 years ago with Barclays Bank. She gained a wealth of experience and knowledge over 19 successful years culminating in her appointment as a branch manager, a position she held for 5 years. Tonia soon realised this would not satisfy her ambitions and decided to take the qualifications to become a Financial Adviser.

Upon qualification, Tonia joined Barclays Financial Planning where she enjoyed seven outstanding years. Despite her success, Tonia became increasingly frustrated by the restrictions of working as a ‘tied’ adviser and welcomed the opportunity to join Newell Palmer in October 2007 enabling her to realise her desires of advising on unrestricted market availability. Since then she has moved to work for Ascot Lloyd following the businesses merging in December 2018. Tonia has not looked back since and enjoys the challenges that the industry presents.

Tonia specialises in investment advice, retirement planning and Inheritance Tax planning and has successfully completed her Diploma qualification.

?>

Stirlingshire IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

Suffolk IFAs

Simon Mead

Simon has a strong interest in retirement planning and wealth management, with a focus towards tax-efficient investment planning and mitigating inheritance tax. He also helps his clients with protection planning and believes in full financial planning.

Simon has 18 years of experience in advisory roles within the financial services industry. Before joining Ascot Lloyd, he worked for several leading UK firms including HSBC and Prudential.  This enabled him to build knowledge and expertise in dealing with a wide range of clients in all areas of financial planning.

Steve Clements

Steve’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and specialises in mitigating inheritance tax. He has a keen interest in retirement planning (including complex pensions and divorce settlements).

Steve has 25 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading UK firms as a financial adviser and as a sales manager for several national firms.

Peter Simpson

Peter’s areas of expertise include tax-efficient investment planning and mitigating inheritance tax. He is also an expert in retirement planning (including complex pensions and divorce settlements). In addition, Peter can arrange family protection cover (such as life and health assurance).

Peter has 30 years of experience in financial services. Before joining Ascot Lloyd, he worked with St James’s Place Wealth Management for 11 years as an associate partner looking after almost 200 clients.

Peter started his career in 1986 as a bank clerk with National Westminster Bank PLC. Having worked in retail banking for five years, Peter then became a financial adviser in 1991. He then left Natwest to join St James’s Place in 2004 when he was a senior financial adviser.

Lewis Jones - Ascot Lloyd Independent Financial Adviser

Lewis Jones

Areas of expertise

Lewis has been providing face to face advice for nearly twenty years and specialises in personal financial planning. This includes retirement planning, at retirement planning, investment planning wealth management and protection. He has extensive experience in pension and investment areas in particular.

Background

Lewis has 18 years of experience in financial services. Before joining Ascot Lloyd, he has worked for several leading UK firms as a financial adviser advising individuals and corporate firms, in addition to working for him self providing at retirement seminars to larger firms and occasionally local borough councils. Lewis has also worked in the city with accountancy firms as well as servicing hes clients, old and new in the Norfolk and Suffolk area.

?>

Surrey IFAs

Paul David Brown - Ascot Lloyd Independent Financial Adviser

Paul David Brown

Areas of expertise

Paul works mainly with private clients, individuals and families, helping them to achieve their goals via prudent management of their finances.  He believes that whilst achieving excellent investment performance is important it is only part of the picture, equally important is the individual journey a client takes to achieve their financial aims using other planning factors which can be very powerful.

For some people this will mean a very different approach to others, and Paul takes pride in helping each client formulate their own lifetime financial plan, ensuring they really understand the impact of what action they take (or in many cases action they do not take) in shaping their future lifestyle.

Paul is particularly interested helping clients with pension and investment planning, showing them ways of using their personal tax allowances and reliefs to help them build assets faster, and also how to benefit from tax efficient income in retirement.  He also takes a keen interest in helping clients plan for and mitigate their inheritance tax liability, using a variety of different solutions.

Paul sums up his role primarily as ‘helping clients and their families make the most of what they have’.

Background

Despite looking so young Paul has over 14 years’ experience in Financial Services.  Having attended University he worked in payroll and secured lending before joining Lloyds Banking Group as a Premier Banking Manager.  Having discovered a passion for advising clients with their financial affairs Paul undertook his investment and financial planning exams and worked in the role of Financial Adviser until 2012 when the Retail Distribution Review led to the high street banks withdrawing from face to face investment advice.

Paul took this opportunity to push on with his career, firstly becoming a partner with St James’s Place Wealth Management and later taking up the role of Executive Financial Planner with Bellpenny.  With Bellpenny now re-branded as Ascot Lloyd and full IFA status attained, Paul is employed as an Independent Financial Adviser and very much enjoys working with his existing clients and meeting new clients.

Allan Perry

Allan Perry

Allan’s areas of expertise include pre and post retirement financial planning, tax-efficient investment planning and mitigating inheritance tax. He also has vast experience in arranging personal and family protection (income protection, health and life insurance). Allan believes that financial planning is not simply about setting a plan, but understanding the discipline it takes to achieve it. That’s where a clear strategy makes the dreams start to become reality.

Allan began his career in financial services in 1987 at Barclays Bank. In 1996 he switched to working at sea as a Purser and Excursion Manager for US and UK-based cruise lines. Allan joined Ascot Lloyd as a financial adviser in 2006.

Allan is a chartered member of the London Institute of Banking and Finance.

silhouette of man

John Aubrey

Areas of expertise

John’s main aim is to make clients lives easier.  He sees his role as one of simplifying the often confusing world of finance to help clients make informed decisions that are right for them. John advises on all aspects of finance (including pensions, investments and tax planning) and believes that as all clients are different he will never adopt a ‘one size fits all approach’ and believes everyone is different and it is only by working closely together that he can provide the best solutions.

John feels that every new client should be viewed as someone you will work with for 30 years – and that long term relationships help establish the trust that is needed when dealing with clients finances.

Background

John has almost 20 years of experience in financial services. His career in financial services started in 1998 with PricewaterhouseCoopers (PWC) and in 2015 John moved across the Severn Bridge to live and work full time in London having previously been employed for leading companies such as Lloyds and Chase de Vere.

John joined Bellpenny (now part of Ascot Lloyd) in 2015 and although he now lives in London he still believes that face to face advice is important and has clients throughout the UK.  John prides himself on always making himself available when clients need to see him – no matter where they live in the country.   With this in mind John manages a smaller number of clients to ensure that he is able to provide a trusted and reliable service.

John Inglese

John works across all areas of financial planning helping those from all walks of life making sure they have the right amount of money in the right place at the right time.

John has 26 years of experience in financial services. Before joining Ascot Lloyd, he worked for a leading pensions and investment company, initially as a sales consultant he soon progressed to sales manager overseeing a team of graduates in training and development. In 2001 following the closure of the company he made the switch to being an independent financial adviser.

Andrew Davies - Ascot Lloyd Independent Financial Adviser

Andrew Davies

Areas of expertise

Andrew’s objective with his clients is to ensure that they are well prepared for the future. To do this, when developing financial plans, he factors possible ‘what if’ scenarios to ensure they are prepared for any challenges they might face along the way.

Andrew advises on all areas of financial planning, but his main areas of expertise are retirement planning, investments (including tax planning), protection and inheritance tax planning. Andrew is conscious that his clients want to know ‘how does this affect me?’ and the value in his role is ensuring his clients’ financial affairs evolve and adapt to any change in personal circumstances or general tax laws.

Andrew is committed to developing lasting relationships with his clients. He believes the best advice is based on strong and trustworthy business relationships. Andrew lives in Basingstoke and has clients mainly in Thames Valley and north of the M25. He believes in  making himself available to meet with his clients at their convenience and time, which means that he can provide a solid and reliable service.

Background

Andrew started his career in financial services in 1989 as a trainee mortgage broker. He worked for 13 years with Scottish Life as a broker consultant, and since 2004, has been a financial adviser for two previous IFA Firms, before joining Bellpenny in 2014 (now known as Ascot Lloyd). When Bellpenny and Ascot Lloyd merged in 2017, Andrew became an independent adviser for the firm.

Bob Bradley - Ascot Lloyd Independent Financial Adviser

Bob Bradley

Areas of expertise

Bob is a chartered financial planner and is fully committed to their ethos of providing good ethical advice and always putting the clients’ best interests at the forefront of what he does. Bob prides himself on providing a prompt, professional and friendly service to his clients. Bob’s ethos when giving advice is ‘What would I do myself?’ and he uses this to ensure his client’s needs remain central to his work.

Background

Bob began his career in Financial Services in March 1981 with Equity & Law life Assurance Society, where he received rigorous and thorough training in personal investments and tax as well as pensions.  In September 1983 he first became an independent adviser, before forming his own business, Trustee Asset Management in October 1986. This started with a business partner and a part time secretary and under Bob’s stewardship the company grew to employ more than 20 staff providing independent advice to more than 2000 clients.

In June 2015 Bob sold Trustee Asset Management to Bellpenny and has stayed on to continue to provide a service to his clients since that time. Bob joined Ascot Lloyd when the company merged with Bellpenny in 2017.

Martin Purnell

Martin’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment and retirement planning and mitigating inheritance tax. Martin has many years experience dealing with the older client.

Martin has 22 years of experience in financial services. Before joining Ascot Lloyd, he worked for several leading companies, all in the top 100 adviser firms in the UK, as a financial adviser. Prior to becoming a financial adviser, Martin started his career in a managerial capacity within the hotel and catering industry, gaining valuable experience dealing with client’s expectations and requirements.

Nick Bird - Independent Financial adviser

Nick Bird

Areas of expertise

Nick has been providing face to face financial advice to a wide range of clients for over 30 years.  He advises on all aspects of financial planning, including pensions, investments and protection and is also qualified to discuss various tax planning issues.

Nick likes to work closely with his clients and has built up very strong professional and personal relationships with them over the years.  He believes this is imperative in being able to provide totally independent and unbiased advice for them.

 

Background

Nick graduated from the University of Kent in 1981 with an honours degree in Economics.  He joined Equity & Law in 1982 as a broker consultant and moved to Zurich in 1984 pursuing the same role. In 1987, he joined the independent financial advisers, Trustee Asset Management Limited, where he became a director in 1988.

Nick joined Ascot Lloyd when the company merged with Bellpenny where he had been since July 2015. He continues to provide a professional service to his valued and long-standing clients.

?>

Sussex IFAs

Paul David Brown - Ascot Lloyd Independent Financial Adviser

Paul David Brown

Areas of expertise

Paul works mainly with private clients, individuals and families, helping them to achieve their goals via prudent management of their finances.  He believes that whilst achieving excellent investment performance is important it is only part of the picture, equally important is the individual journey a client takes to achieve their financial aims using other planning factors which can be very powerful.

For some people this will mean a very different approach to others, and Paul takes pride in helping each client formulate their own lifetime financial plan, ensuring they really understand the impact of what action they take (or in many cases action they do not take) in shaping their future lifestyle.

Paul is particularly interested helping clients with pension and investment planning, showing them ways of using their personal tax allowances and reliefs to help them build assets faster, and also how to benefit from tax efficient income in retirement.  He also takes a keen interest in helping clients plan for and mitigate their inheritance tax liability, using a variety of different solutions.

Paul sums up his role primarily as ‘helping clients and their families make the most of what they have’.

Background

Despite looking so young Paul has over 14 years’ experience in Financial Services.  Having attended University he worked in payroll and secured lending before joining Lloyds Banking Group as a Premier Banking Manager.  Having discovered a passion for advising clients with their financial affairs Paul undertook his investment and financial planning exams and worked in the role of Financial Adviser until 2012 when the Retail Distribution Review led to the high street banks withdrawing from face to face investment advice.

Paul took this opportunity to push on with his career, firstly becoming a partner with St James’s Place Wealth Management and later taking up the role of Executive Financial Planner with Bellpenny.  With Bellpenny now re-branded as Ascot Lloyd and full IFA status attained, Paul is employed as an Independent Financial Adviser and very much enjoys working with his existing clients and meeting new clients.

Allan Perry

Allan Perry

Allan’s areas of expertise include pre and post retirement financial planning, tax-efficient investment planning and mitigating inheritance tax. He also has vast experience in arranging personal and family protection (income protection, health and life insurance). Allan believes that financial planning is not simply about setting a plan, but understanding the discipline it takes to achieve it. That’s where a clear strategy makes the dreams start to become reality.

Allan began his career in financial services in 1987 at Barclays Bank. In 1996 he switched to working at sea as a Purser and Excursion Manager for US and UK-based cruise lines. Allan joined Ascot Lloyd as a financial adviser in 2006.

Allan is a chartered member of the London Institute of Banking and Finance.

silhouette of man

Gavin Foster

Areas of expertise

Gavin advises clients in all areas of financial advice including investments, pensions, trusts, insurance and tax planning. Gavin believes in taking a holistic approach to wealth management and can also assist with inheritance tax (IHT) planning and planning exit strategies for business owners.

Gavin works closely with a small group of private clients always providing a high quality personal service and advice you can trust.

Background

Gavin joined Ascot Lloyd when the company merged with Bellpenny where he had been a valuable member of the team since 2013. He has over 20 years of financial services experience having previously worked for Standard Chartered Bank and RBC Wealth Management. Gavin is a Chartered Member of the Chartered Institute for Securities & Investment (CISI) and holds the level 6 certificate in Private Client Investment Advice and Management (PCIAM). Based in Petersfield, Gavin works with clients throughout Hampshire, Surrey and West Sussex.

Freya De Jonge - Ascot Lloyd Independent Financial Adviser

Freya De Jonge

Humaun Rashid - Ascot Lloyd Independent Financial Adviser

Humaun Rashid

Areas of expertise

Humaun is passionate about helping clients cut through industry jargon, accessing the very best and most suitable products and quickly giving each client the peace of mind they deserve.

He advises on a wide range of areas with particular focus on inheritance tax and retirement planning. Humaun believes in long term relationships, spending time face to face to build trust and will arrange most of his meeting at client’s homes, to give that local feel whilst benefiting from the economies of scale of a larger company.

Background

Humaun joined Ascot Lloyd in 2015 with the view of adding more value to his clients. Having succeeded in the financial services industry with two of the biggest global banks (Banco Santander and Lloyds Banking Group) with additional experience working in the offshore markets in the Middle East. With over a decade of industry knowledge, Humaun is well equipped and seasoned to give each client proven, accurate, competent and bespoke service.

He manages clients across the South East making himself available when clients need to see him. With this in mind Humaun manages a smaller number of clients to ensure that he is able to provide a trusted and reliable service.

?>

Swansea IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Torfaen IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Tyne & Wear IFAs

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

Mark Dowde

Mark Dowde

Mark is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. To ensure clients receive the most complete level of service Mark believes that up to date knowledge and a high level of qualifications is essential. Mark provides advice on most areas of financial planning and enjoys client interaction with a relaxed but hard working attitude.

After graduating university with a degree in biology, Mark began his career in financial services and specifically pensions through a graduate trainee scheme. Mark joined Skipton Building Society as a Trainee Financial Adviser and subsequently moved to Pantheon Financial Management, where he worked for 11 years until the company was acquired by Ascot Lloyd in 2018. Mark has a total of 14 years experience in financial services.

In his time with Pantheon, in addition to advising clients, Mark worked in a dual role as Head of Planning. This involved a range of technical and research responsibilities along with the management of the paraplanning team. Since joining Ascot Lloyd Mark now focuses on advising clients.

Paul Tuson - Ascot Lloyd Independent Financial Adviser

Paul Tuson

Area of expertise

As wealth management specialist, Paul is particularly skilled in the areas of portfolio management and investment planning. He has numerous specialist, and advanced qualifications, including Investment Principles and Risk, Pensions and Retirement Planning, and Financial Services Regulation and Ethics.

Paul has a long track record of working with, and alongside other professionals, including accountants and solicitors. By taking this approach, he finds clients get the most comprehensive management of their financial affairs, including personal tax and future plans for their wealth.

Background

Paul began his career in financial services after leaving school, and has a total of 27 years’ experience. Paul’s main focus is on high net worth and affluent individuals along with corporate clients.

Paul thrives on developing personable relationships with clients and ensures that he focuses on their needs in the areas of retirement planning, investments and inheritance tax mitigation.

Paul appreciates the value of investing considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through a commitment to regular reviews, highlighting any areas for improvement, and working with his clients when and if their circumstances change.

 

 

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Warwickshire IFAs

Rudy Smith - Ascot Lloyd Independent Financial Adviser

Rudy Smith

Areas of expertise

Rudy offers a bespoke financial planning service to meet the needs of all his clients. He provides solutions that complement personal lifestyle requirements to enable clients to realise their long term financial goals in the most tax efficient manner. He provides advice on all aspects of finance, including tax planning, pensions and investments, believing that a clear understanding of client’s objectives is essential to provide appropriate solutions.

Background

Rudy brings a wealth of knowledge and experience to Ascot Lloyd with over 25 years in financial services. He became part of the team when Entire Wealth Management was acquired in 2013 (by Bellpenny).

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

Chris Stevens - Financial Adviser

Chris Stevens

Since becoming an Independent Financial Adviser in 1992, Chris worked solely for Newell Palmer specialising in investments and pensions, with expertise in pre and post retirement planning. He joined Ascot Lloyd when the business merged with Newell Palmer in December 2018.

He is qualified at Advanced Diploma level having passed the specialist Chartered Insurance Institute (CII) exams in pensions, retirement options, pension investment options, taxation & trusts and personal investment planning.

David Elworthy - Financial Adviser

David Elworthy

David has gained over 25 years of financial services experience and has worked within two large insurance companies, as well as his current role with Ascot Lloyd. David’s knowledge and experience is predominantly in the pensions sector having worked within compliance and technical departments.

David is qualified by a number of examinations including the Financial Planning Certificate, G60 Advanced Pensions and has a Diploma in Financial Planning.

A keen sporting fan, David spends a considerable amount of time watching his local football team Coventry City attempt to keep their heads above water.

Giles Moore - Financial Adviser

Giles Moore

Giles started his career in financial services in 1997 working for a large insurance company based in London. He joined Newell Palmer in March 2018 as a Financial Adviser and has moved on to work for Ascot Lloyd following the businesses merging in December 2018. In his role, Giles advises clients on all areas of investment and pensions. He holds a Diploma in Financial Advice (DipFA) and is currently working towards achieving chartered status.

Away from work, Giles lives with his partner in Leicester. He enjoys playing guitar, listening to live music and travelling the world. Giles is a keen supporter of Leicester Tigers and attends matches whenever possible.

Lou van Talligan - Financial Adviser

Lou van Talligan

As a financial advisor for Ascot Lloyd Lou looks after his clients regarding investment, Inheritance Tax (IHT) and trust planning, as well as answering any other financial queries they may have. Lou primarily manages investment portfolios and advises on the use of trusts in various circumstances ranging from preserving investment values for minors to mitigating IHT liabilities. He places high significance upon building strong and long-term client relationships and finds this gives him a much better understanding of their needs.

Lou is married with one grown up son, three grown up step-daughters and six grandchildren. Outside of work, Lou’s interests include squash, golf, hill walking, scuba diving, particularly in the red sea, and riding his Goldwing motorcycle throughout the UK and Europe.

Matthew Kidd - Financial Adviser

Matthew Kidd

Prior to Newell Palmer merging with Ascot Lloyd, Matthew held the position as one of the key director shareholders within the Newell Palmer Group. Together with the Newell Palmer board of directors Matthew helped build the Newell Palmer Group over a period of 20 years to become the business which was eventually acquired by Ascot Lloyd. In addition, Matthew took the Managing Director role of the Warwickshire office and was responsible for the smooth running, operation and growth of the business. 

As an Independent Financial Adviser at Ascot Lloyd, Matthew is responsible for the ongoing advice and support to his own client portfolio. He has worked within the financial services sector for close to 30 years and specialises in advising owner managers of small to medium business enterprises and higher net worth individuals. Matthew works very closely with our professional connection partners and has a wide scope of connections in this field. 

Outside of work, Matthew is kept ‘entertained’ by his three children, all of which are teenagers and above. He is a regular runner and a keen musician. This, together with being a reasonable cook, helps Matthew to enjoy life.

Paul de Vries - Chartered Financial Planner

Paul de Vries

As a Chartered Financial Planner for Ascot Lloyd, Paul advises a variety of clients, ranging from individuals to business owners. He is also a Fellow of the Personal Financial Society (PFS).

Paul holds a variety of professional qualifications including the following:

  • Investment Management Certificate (IMC)
  • Advanced Diploma in Financial Planning
  • Diploma in Financial Planning
  • Certificate in Financial Planning
  • Certificate in Discretionary Investment Management
  • Certificate in Financial Services
  • Certificate in Financial Administration (Life)
  • Certificate in Financial Administration (Pensions)
  • Certificate in Life & Pensions

Paul has also obtained a range of professional awards namely:

  • The PFS Highest Achiever in the Diploma in Financial Planning Award
  • The Worshipful Company of Insurers Prize for the completion of the Diploma in Financial Planning
  • The Worshipful Company of Insurers Prize for the completion of the Certificate in Financial Planning.

Outside of work, Paul lives with his wife, and enjoys mountain biking and extreme sports. He is also a passionate cook, nature lover and gardener.

Steve Bucknall - Financial Adviser

Steve Bucknall

As an Independent Financial Adviser for Ascot Lloyd, Steve works closely with both individuals and SME’s. Steve has gained a number of qualifications including; The Financial Planning Certificate, CeMAP, QCF Level Four Diploma, Statement of Professional Standing (SPS), Advanced Diploma in Taxation & Trusts and Personal Investment Planning. Steve is also a member of the Personal Finance Society. His specialist areas are holistic financial planning, investment and pension planning.

When Steve’s not working, he enjoys spending time with his family, especially his 2 daughters. He enjoys playing squash, going paddling in his kayak & playing the occasional round of golf.

?>

West Lothian IFAs

James Peer - Ascot Lloyd Independent Financial Adviser

James Peer

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

Lynn Healy - Ascot Lloyd Independent Financial Adviser

Lynn Healy

As a chartered Financial Planner, Lynn provides advice across a broad range of Investment, Pension and Trust planning areas. Lynn holds the Advanced Diploma in Financial Planning, Award in Pension Update and Award in Long Term Care advice. She is accredited by the PFS to give specialist advice to later life clients.

Background

Lynn’s career commenced at the age of 20, when she served five years with HM Inspector of Taxes specialising in personal taxation. She then joined a law firm as tax and trusts manager for 13 years before joining a financial services company as an adviser.

In the last 10 years Lynn has held the position of Director of a financial services company which subsequently was acquired by Ascot Lloyd through Bellpenny. She continues to offer advice to existing clients and new clients in every stage of the investment and pension journey. However, specialises in pension planning and later life investment needs.

?>

West Midlands IFAs

Rudy Smith - Ascot Lloyd Independent Financial Adviser

Rudy Smith

Areas of expertise

Rudy offers a bespoke financial planning service to meet the needs of all his clients. He provides solutions that complement personal lifestyle requirements to enable clients to realise their long term financial goals in the most tax efficient manner. He provides advice on all aspects of finance, including tax planning, pensions and investments, believing that a clear understanding of client’s objectives is essential to provide appropriate solutions.

Background

Rudy brings a wealth of knowledge and experience to Ascot Lloyd with over 25 years in financial services. He became part of the team when Entire Wealth Management was acquired in 2013 (by Bellpenny).

Les Hodges - Ascot Lloyd Independent Financial Adviser

Les Hodges

Areas of expertise

Les specialises in investment and retirement advice, this includes legacy planning. Helping client’s build up their wealth during working years and advising on the best ways to enjoy their wealth during their retirement years. Continually keeping clients informed of investment decisions being made. The ultimate aim is for clients to enjoy their wealth whilst ensuring that any legacies that are left are made in most tax efficient way.

Les is a leading Independent Financial Adviser who has been in financial services for over 27 years, and has a vast experience of advising high net worth clients, both private and corporate clients, on both business and personal levels. He achieves this by getting to know and fully understanding all his client’s needs and expectations.

Mike Knott - Financial Adviser

Mike Knott

Mike specialises in investment, pension and tax planning for clients ensuring he uses his knowledge and skills to deliver the most suitable advice to many longstanding and new clients.

Mike has had a career in financial services all his working life. He has spent the last 25 years advising a large portfolio of wealthy families and corporate clients. He works closely with other professionals to deliver clear and concise advice that meets the bespoke needs of each client.

Mike began advising clients working primarily as a corporate adviser to owner-managed businesses and small-medium enterprises for a major UK Bank. He then moved to run the regional private client business of one of the big four accountancy practices where he advised his own clients and helped others build up their client portfolios.

In 2002 he headed up a buyout from the accountancy practice and transferred his clients to a privately owned business of which Mike was both a Director and shareholder. In 2003 mike joined the board of a Swiss private bank when that business was acquired.

Now part of Ascot Lloyd Mike still looks after many of the same clients he had over 20 years ago, throughout all the business transactions the focus has always been on looking after client needs.

 

Shaun Guest - Financial Adviser

Shaun Guest

Shaun advises individuals and companies in the areas of retirement provision, investment planning and financial protection. Shaun holds the Advanced Financial Planning Diploma and focuses on clients’ understanding the legislation and risks associated with their financial planning.

Shaun entered the financial service industry 40 years ago, the last 30 of which have been spent as an independent financial adviser.

During this period Shaun has worked closely with accountants and solicitors providing a personal service to both individual and corporate clients.  Shaun believes that personal relationships and regular annual reviews are important to focus on the clients’ objectives and to be able to identify and react to any changes in the client’s circumstances or aspirations.

 

silhouette of man

Phil Oaten

Phil joined the financial service industry after leaving university over 40 years ago and for the last 20 years he has specialised predominantly in the various aspects of retirement planning.

Phil’s clients tend to have built up their wealth by running and owning small businesses in the West Midlands – many of the introductions have come from accountants and solicitors with whom Phil has worked closely over many years.

Phil combines retirement planning and tax efficient investments to provide the necessary levels of income and capital in retirement. Phil believes that it is necessary to develop close, long-term relationships in order to achieve a clients’ goals in retirement.

Phil’s length of experience in the business has resulted in him seeing many changes in investment returns, interest rates and inflation which has assisted him in preparing people with what may happen to their pensions and investments over the period of their retirement.

Peter London - Financial Adviser

Peter London

Peter specialises in personal and corporate financial planning, with an emphasis on providing investment, tax planning and inheritance tax mitigation advice to high net worth individuals. Business has developed by working closely with other professional advisers, particularly accountants and solicitors. Peter has a strong team supporting him in order to provide ongoing advice and regular reviews to assess any changes in objectives and requirements.

Peter has been providing independent financial advice for over 40 years, having established his own company in 1972 which was subsequently sold to EFG Private bank in 2007.

 

silhouette of man

Ian Hawkins

Ian is a chartered financial planner and a Resolution Accredited IFA, both qualifications achieved through examination and ongoing professional development. Currently Ian is one of only 27 advisers in the UK who have both of these. Ian has been employed within the financial services industry for 30 years.  Through this time he has provided advice to employers, employees and trustees with regard to pension planning.  Ian also provides advice to individuals with regard to accruing and protecting wealth, with a specific focus on generating the desired level of income in retirement.

Ian’s focus is to ‘de-mystify’ financial planning ensuring that there is a clear understanding of the risks and challenges whilst providing solutions to meet client needs.

One of Ian’s areas of expertise is pensions and divorce and he has been assisting family lawyers with the issues surrounding pensions for over 20 years.  This is via reports for court proceedings and also advice to family lawyers to outline the strategies required to provide the most effective solutions for their clients. Alongside pension benefits, analysis of investments and assurance contracts is undertaken when required.

Ian has completed training in collaborative law and has also been involved in disputes that have been resolved through this method, including participation within 5-way collaborative meetings. In addition to assisting family lawyers he has advised many clients about the implications of their matrimonial proceedings and its effect upon their investment and pension planning.

Nicholas Ronan - Financial Adviser

Nicholas Ronan

As a wealth management specialist, Nicholas is skilled in the areas of portfolio management and investment planning, inheritance tax planning, general tax mitigation and pension planning, with an emphasis on self invested personal pensions (SIPPs )and small self administered schemes (SSASs). He holds the Advanced Diploma in Financial Planning (APFS) and has specialist qualifications for advising on areas such as pension transfers and enterprise investment schemes (EIS). Nicholas was an assistant examiner of the Private Client Investment and Management Diploma and holds an MBA.

Nicholas frequently works with accountants, solicitors and tax advisers to provide clients with a comprehensive management of their financial affairs. As an experienced financial adviser Nicholas’ main focus is on high net worth individuals and corporate clients.

Nicholas invests considerable time and effort into his client relationships, in order to build up a detailed knowledge of their aims and objectives. This is maintained through regular reviews, highlighting any areas where improvements can be made and working with his clients when and if their circumstances change.

Simon Lycett - Financial Adviser

Simon Lycett

Simon provides high quality advice in pensions and investments, specialising in pension transfers and post retirement solutions, including pension drawdown. He prides himself on building long term client relationships, focussing on their longer term planning to ensure continued financial stability. This approach ensures clients make best use of proactive tax planning techniques ensuring that their wealth is built, maintained and sustained throughout life. This also leads into inheritance tax planning solutions to ensure wealth creation for the next generation.

Simon invests a lot of time and effort into his clients, understanding that the client should be fully engaged with all aspects of their financial plan. This also means that Simon is in contact with his clients far more regularly than the scheduled annual review date, which contributes to a secure adviser-client relationship. He also ensures good communication with his clients’ other professional relationships with accountants and solicitors, understanding the important role each plays in his clients’ future.

Simon has been in the industry for 19 years, starting with a well-known insurance company, before progressing into independent financial advice firm, Ashby London Financial Services Ltd, in 2005. Ashby London was acquired by Swiss owned private bank, EFG, who were then purchased by Bellpenny (Ascot Lloyd) in 2017. BIA Financial Planning Ltd was created as a subsidiary of Ascot Lloyd, to reflect our independent status, before joining the Ascot Lloyd brand from 1st January 2019.

David Prior - Chartered Financial Planner

David Prior

In addition to using his knowledge to advise his personal and corporate clients, David offers his expertise to his fellow advisers when they are dealing with complex financial matters. David was one of the contributing founders to Newell Palmer. He then became an IFA for Ascot Lloyd when the two businesses merged in December 2018. David has obtained a variety of Advanced Financial Planning Qualifications and has successfully attained Chartered Financial Planner status.

When David is not spending time with his family, outside of work he takes pleasure in his passion for Formula 1 Motor Racing and Paramotoring. When time permits, to keep himself healthy, David likes to head to the swimming pool or go rowing on the sea – he does this at his family owned cottage in Aberdovey.

Gemma Simpson - Financial Adviser

Gemma Simpson

Gemma’s career in the financial services industry starting in July 2001 when she worked for Birmingham Midshires. She worked there for 10 years before moving to Lloyds TSB, where she worked as an adviser on investments, pensions and protection. Gemma joined Newell Palmer in 2013 and then following a business merger in December 2018 became a Financial Adviser for Ascot Lloyd.

Gemma spends most of her days meeting with clients on a face to face basis or liaising with them over the telephone. She works with private clients and offers general financial planning advice, specialising mainly in investments and pensions. In terms of qualifications, she holds the Certificate for Financial Advisers (CeFA) and a Diploma in Financial Advice (DipFA) and is currently working towards Chartered status.

In her spare time, Gemma enjoys spending time with her friends and family, keeping fit and going to the gym on a regular basis as well as training in martial arts.

Hayley Bayliss - Chartered Financial Planner

Hayley Bayliss-Cotton

Hayley started her financial services career at Newell Palmer in 2010 and moved to work for Ascot Lloyd as a Chartered Financial Planner following a business merger in December 2018. Within her role she uses her knowledge to guide clients towards financial security by advising suitable business/personal protection policies alongside pension, investment and tax planning.

Hayley holds an Advanced Diploma in Financial Services along with a BA (Hons) in Business with Accounting and Finance. Hayley’s specialised areas include the corporate and pension sectors.

Outside of work, she enjoys participating in outdoor sports. Hayley prides herself in tackling a physical challenge at least once a year. She has hiked Kilimanjaro and cycled the British Coast to Coast.

Ian Josh - Financial Adviser

Ian Josh

Ian advises both personal and corporate clients. He was a Director at Newell Palmer until the business merged with Ascot Lloyd in December 2018. He has forged strong professional relationships with his clients and believes these strong relationships are key to his success and the success of the company.

Ian is just as busy at home as he is at work, trying to keep up with his four daughters!

Jason Barefoot - Chartered Financial Planner

Jason Barefoot

Jason started his finance career in September 2008 when he worked for Lloyds Banking Group. He went on to join AFH Wealth Management in August 2014 and then joined Newell Palmer in June 2015. Following this Jason has recently joined Ascot Lloyd as a Chartered Financial Planner on behalf of the two businesses merging in December 2018.

His current role involves advising on a wide range of issues to help clients achieve peace of mind and financial security. This is achieved by advising on a wide range of matters, including retirement planning, protection, tax planning and investments.

Jason holds a BA (Hons) in Management (Finance) and has successfully achieved Chartered Financial Planner status.

In his spare time, Jason enjoys playing golf and watching football.

Jenny Hubble - Financial Adviser

Jenny Hubble

Jenny started her career in financial services in 1989 at Abbey Life before joining Newell Palmer in 1997. Following a business merger in December 2018, Jenny now works as a Financial Adviser for Ascot Lloyd where she provides financial advice to corporate clients alongside financial and investment advice to personal clients.

Her expertise lies in working with small to medium size companies and partnerships, where advice can be provided. She also looks at protecting businesses, the shareholders and their families in the event of death and/or critical illness.

Outside of work Jenny enjoys attending her local gym and spending time with her family and friends.

Jeremy Baugh - Financial Adviser

Jeremy Baugh

Jeremy is a versatile member of the Ascot Lloyd team; he works closely with both personal and corporate clients. With over twenty-two years’ experience within financial services, having started his career at the Royal London, Jeremy is well equipped to advise clients on protection needs, pension planning and investment solutions. He also enjoys the long-term relationships he builds with his clients.

Jeremy is kept busy away from work by his young son and the family dog. Jeremy likes to travel, especially to a destination where he can go skiing. When he isn’t on the slopes, he can be found successfully returning the shuttle on the badminton court!

Mark Wilcox - Financial Adviser

Mark Wilcox

Mark began his career in the financial services in 1985 as a Broker Consultant for Wolverhampton-based Norwich Union. He then went on to work for another local IFA that was regulated by FIMBRA.

He joined Newell Palmer in January 2018 and is currently employed as a Client Relationship Adviser at Ascot Lloyd following the merging of the two companies in December 2018. Within his role Mark offers support to the Financial Advisers at the Bromsgrove office. Mark is an all-rounder but has previously worked in the investment arena with Close Brothers before joining Newell Palmer and subsequently Ascot Lloyd. He has also assisted clients with legacy planning/IHT, and pension/retirement planning.

Mark is married to his wife, Michelle, and has three grown up children – Lauren, Leah and George. When he’s not in the office you can find Mark working on his photography, watching sports or ticking destinations off his travelling bucket-list.

Martyn Billings - Financial Adviser

Martyn Billings

Martyn was a vital member of the Newell Palmer advisory team for 10-years and has since joined Ascot Lloyd as a Financial Adviser on behalf of the two companies merging in December 2018. He has 25-years’ experience in the profession in which he specialises in investments, pensions and IHT planning.

Away from the office, Martyn enjoys taking holidays and trips out with his long-term partner, Tracy. He enjoys meals out and regular exercise to burn off the extra calories gained!

Matt Adams - Financial Adviser

Matt Adams

Matt was a Director and Financial Adviser at Newell Palmer prior to the merger with Ascot Lloyd in December 2018. As a Financial Adviser for Ascot Lloyd he provides all aspects of financial advice to corporate and personal clients. Matt has worked within the financial services sector since the mid-nineties, collecting an abundance of knowledge on the way. He specialises in estate planning and trust advice.

Matt is married with two sons, enjoys playing golf and is a member of the Moor Hall Golf Club.

Matthew Williams - Chartered Financial Planner

Matthew Williams

Matthew began his career in the financial services industry in 2006 and joined Newell Palmer as an Independent Financial Adviser in April 2014. He moved to Ascot Lloyd as a Chartered Financial planner on behalf of the businesses merging in December 2018.

Matthew is a member of the London Institute for Banking and Finance (LIBF). In 2017, he attainted his level 6 Diploma in Financial Advice (Adv DipFA) and became a Chartered Financial Planner. Matthew has been granted his Statement of Professional Standing (SPS) and holds the Award in Pension Transfers (AwPETR).

He provides financial advice to retail and business clients. Matthew believes a key component to his success is achieved by building long lasting client relationships and providing quality advice.

Outside of work, Matthew enjoys spending time with his wife and two children and he is also a keen footballer.

Nick Watton - Financial Adviser

Nick Watton

Nick joined Newell Palmer as an Independent Financial Adviser in 2010, and went onto join Ascot Lloyd in the same capacity following the businesses merging in December 2018. As a Financial Adviser, Nick provides regulated financial advice, specialising in investments and pensions to retail clients – he is DipPFS qualified.

Nick is married with two grown up children and away from work he enjoys teeing off at his local golf club – he won’t disclose what his handicap is though!

Peter Bannister - Financial Adviser

Peter Bannister

Peter joined Newell Palmer as an Independent Financial Adviser in 1994 before being appointed Director in 1997. He was a member of the board that helped grow Newell Palmer into a large regional IFA, until the business merged with Ascot Lloyd in December 2018. Peter advises both personal and corporate clients.

He holds a Level 4 Diploma and has advanced financial planning skills across the areas of pensions, business planning, taxation and trusts. Peter also holds the Investment Managers Certificate (IMC).

Away from work, Peter is a keen golfer and is kept busy at home with the family’s interest in horses.

Ree Josh - Financial Adviser

Ree Josh

Ree started her career in the financial services industry in the late eighties at Cottle Passman and Co. She then joined Newell Palmer as a Financial Adviser in 2002 and earned herself a seat on the board as a company Director. Ree now advises her clients as an IFA for Ascot Lloyd after the acquisition of Newell Palmer in December 2018.

She spends her time at work advising a broad range of clients, young to old, corporate as well as individuals. Ree is G60 qualified for pension specialist business and transfers.

When she is not at work, she can be found spending time with her family, she enjoys getting lost in a good book, socialising and even the odd bit of DIY and gardening.

Richard Worrall - Financial Adviser

Richard Worrall

Richard was an Independent Financial Adviser for Newell Palmer for almost 10 years before the business joined forces with Ascot Lloyd in December 2018.

In his role, he delivers regulated financial advice to all of his client bank. Richard’s area of expertise includes the employee benefits scheme.

Away from the office, Richard enjoys spending time with his family.

Robert Casselden - Chartered Financial Planner

Robert Casselden

Rob started his career in the financial services industry when he joined Hazell Carr Actuarial Services in 2003. He then moved to the role of Independent Financial Adviser within a national firm before joining Newell Palmer.

Rob then joined Ascot Lloyd as a Chartered Financial Planner after the two businesses merged in December 2018. In his role, he deals with a broad range of clients including personal, self-employed and corporate clients. Rob specialises in retirement planning and has achieved Chartered Financial Planning status.

When he’s not advising his clients, Rob enjoys spending time with his family, as well as playing squash, cycling and trying to reduce his golf handicap.

Samuel Gregory - Financial Adviser

Samuel Gregory

Samuel started his finance career in 2004 when he worked for HSBC Bank PLC. Since leaving HSBC in 2012, he went on to work for three other IFA firms including Newell Palmer before joining Ascot Lloyd as an Independent Financial Adviser in December 2018.

Samuel is an Office Based Consultant in the Wolverhampton offices and primarily works with private clients providing face-to-face financial advice. He currently holds a Diploma in Financial Planning and is working towards achieving chartered status.

Outside of work, Samuel enjoys spending time with his wife, two children and their two pet dogs. He is also a keen sportsman and participates in a wide variety of sports.

Stephen Groves - Financial Adviser

Stephen Groves

Stephen started his career in financial services in 1998, working for Friends Provident. Stephen naturally progressed within financial services and was awarded the opportunity to work in London for The Annuity Bureau as an Annuity Specialist. He then went on to work with his father at Groves Financial Planning as a general IFA (mostly pensions and investments) before selling to Newell Palmer in June 2013, when his father retired. He now works as a Financial Adviser for Ascot Lloyd following a business merger with Newell Palmer in December 2018.

Steve holds a Diploma in Regulated Financial Planning (DipPFS) and the Certificate in Insurance (Cert CII).

On a day-to-day basis, Stephen works closely with clients and has a specific interest in delivering investment and pension advice.

Outside of work, Stephen is married and is a keen cyclist. Stephen likes to keep himself healthy by regularly attending his local gym and occasionally enjoys a round on the golf course.

Steve Robertson - Financial Adviser

Steve Robertson

Steve started his career in financial services with Phoenix Assurance in 1980. He joined Newell Palmer over 20 years ago as an Indepedent Financial Adviser before joining Ascot Lloyd following the businesses merging in December 2018. Steve holds a Diploma in Financial Advice (DipFA).

In his role, Steve advises both corporate and individual clients on a range of financial matters and has a specialist qualification in pensions. He believes the clear, practical advice he gives builds strong and long-lasting relationships with his clients.

He is married with two children. Most of his time outside of work is spent watching sport or involved in some form of outdoor activity, including cycling and walking.

Steven Cotterill - Financial Adviser

Steven Cotterill

Having attained over 30 years’ experience in the financial services sector, Steven is a fully qualified Independent Financial Adviser and advises both personal and corporate clients in all aspects of pension, investment and protection advice.

As a holder of the Diploma in Investment Planning, Steven takes a special interest in both investment and Inheritance Tax planning for clients.

Outside of work, Steven enjoys travelling abroad and when time allows, an occasional day on the golf course.

Tonia Hurst - Financial Adviser

Tonia Hurst

Tonia’s career in the financial services industry began 24 years ago with Barclays Bank. She gained a wealth of experience and knowledge over 19 successful years culminating in her appointment as a branch manager, a position she held for 5 years. Tonia soon realised this would not satisfy her ambitions and decided to take the qualifications to become a Financial Adviser.

Upon qualification, Tonia joined Barclays Financial Planning where she enjoyed seven outstanding years. Despite her success, Tonia became increasingly frustrated by the restrictions of working as a ‘tied’ adviser and welcomed the opportunity to join Newell Palmer in October 2007 enabling her to realise her desires of advising on unrestricted market availability. Since then she has moved to work for Ascot Lloyd following the businesses merging in December 2018. Tonia has not looked back since and enjoys the challenges that the industry presents.

Tonia specialises in investment advice, retirement planning and Inheritance Tax planning and has successfully completed her Diploma qualification.

?>

West Yorkshire IFAs

Mathew Lamping - Ascot Lloyd Independent Financial Adviser

Mathew Lamping

Mathew advises high net worth individuals, typically owner/managers or those who have sold businesses, delivering bespoke tax advantaged investment advice.  He places great emphasis on making complicated matters easy for clients to digest.

He joined Ascot Lloyd through the merger with the PFP business in 2015, and has acquired a breadth of knowledge through 14 years’ industry experience, allowing him to help clients secure their financial future.

Mathew works from the Harrogate office, but has clients across the UK.

Mark Dowde

Mark Dowde

Mark is a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. To ensure clients receive the most complete level of service Mark believes that up to date knowledge and a high level of qualifications is essential. Mark provides advice on most areas of financial planning and enjoys client interaction with a relaxed but hard working attitude.

After graduating university with a degree in biology, Mark began his career in financial services and specifically pensions through a graduate trainee scheme. Mark joined Skipton Building Society as a Trainee Financial Adviser and subsequently moved to Pantheon Financial Management, where he worked for 11 years until the company was acquired by Ascot Lloyd in 2018. Mark has a total of 14 years experience in financial services.

In his time with Pantheon, in addition to advising clients, Mark worked in a dual role as Head of Planning. This involved a range of technical and research responsibilities along with the management of the paraplanning team. Since joining Ascot Lloyd Mark now focuses on advising clients.

Lindsay Carter - Ascot Lloyd Independent Financial Adviser

Lindsay Carter

Areas of expertise

Lindsay’s principle focus is taking a high level of care and time with clients to enable them to structure their finances in such a way that they understand and get the most out of them. One of Lindsay’s primary skills is identifying and prioritising the areas of financial planning which are important to each individual client.  Lindsay provides holistic financial advice on all areas of financial planning, from protection planning, investing for the future, tax efficient structuring of investments, retirement planning and estate planning.

Background

Lindsay has over 18 years of experience in financial services and joined Ascot Lloyd when the company merged with Bellpenny in 2017. Before joining Bellpenny, Lindsay started her career with Yorkshire Building Society in 1999 as a mortgage adviser.  In 2002, she started work at HSBC as a financial adviser before being promoted to the role of senior financial adviser with them.

Graham Winterbottom

Graham’s areas of expertise include arranging family protection (such as life and health assurance), tax-efficient investment planning and mitigating inheritance tax. He has a keen interest in retirement and succession planning.

Graham has over 30 years of experience in financial services. He began his career as a protection specialist with the Armed Forces in Germany before moving back to the UK. Prior to Ascot Lloyd he worked for Towry Law.

Helen Richardson

Helen Richardson

Areas of expertise

Helen has more than 20 years’ of experience, utilising her knowledge with clients and is experienced at aligning their circumstances to their financial position.

Helen’s favourite part of being a full time adviser is creating and maintaining strong client relationships. When asked what the favourite part of her role is she says, “People! I love building relationships and understanding what makes people tick, then creating solutions to help them achieve their goals. I look after my clients as if their wealth is my own. I believe that trust is imperative and once it has been earned it is all about maintaining the relationship through regular reviews and contact. Whilst I focus on their financial position, they can focus on the things they enjoy in life –  be it time with their family or indulging hobbies.”

Background

Helen’s career began in the investment arena where her roles included being a Director of Research. This involved working in the investment arena and spending considerable time interviewing fund managers and reviewing their strategies and success rates. Being independent, this involved a lot of comparative analysis and grew her success rate. The press regularly contacted Helen for her views. She was previously a member of The Money Panel for the Daily Mail.

With this background Helen regards her area of specialism as investments and applies this to stand alone investment or retirement planning, alongside advising on Inheritance Tax planning and more generalist protection.

Helen holds a wide range of financial qualifications covering investments, pre-and-post retirement planning, tax and protection so is able to advise private clients across a broad spectrum of topics.

Richard Grant

Richard Grant

Background & expertise

After qualifying as a solicitor with Eversheds Leeds, Richard specialised in tax trusts and the administration of estates before advising on the legal aspects of pension schemes. Headhunted by a London-based niche merchant bank, he re-qualified to become an independent financial adviser working from its then newly opened Leeds office where his legal and tax background was put to effective use when providing financial planning advice to individuals, corporates, owner-managed businesses and trustees of family trusts and pension schemes.

Appointed a Director of a well-known Leeds independent accountancy practice, Richard ran its Harrogate financial services arm before moving back to Leeds.

Building up his own client bank over several years through professional and existing client referrals and a strong ongoing service commitment, Richard ran his own financial services practice for 6 years before being acquired by Ascot Lloyd at the end of 2017.

Richard still acts for a number of his initial clients when moving into the financial services sector after over 20 years in the profession.

Richard Price

Richard Price

Background

Richard began his career in financial services after graduating University and now has a total of 22 years experience in the industry.

Expertise

As a wealth management specialist, Richard is skilled in building both private client and corporate relationships, providing high quality planning to both.

Richard’s dual focus is on high net worth individuals and corporate relationships.

?>

Western Isles IFAs

Graeme Dreghorn - Ascot Lloyd Independent Financial Adviser

Graeme Dreghorn

Neil Winstanley

Neil Winstanley

Areas of expertise

Neil is a highly qualified Chartered Financial Planner and a Later Life Specialist. He is experienced in Discretionary Investment Management and is a Committee member of the Personal Finance Society of Edinburgh.

He focuses on building and developing strong relationships with clients and helps to identify what they really want out of life and then ensures their finances are set up to make this happen. This involves utilising cash-flow modelling to help clients visualise their future and to see what is possible, what isn’t possible and to assess the potential outcomes of different courses of action.

Background

Neil’s career in financial services started in 2007 and alhough he works mainly with clients approaching retirement, he has a wide variety of clients from all walks of life and across all age ranges.  Neil has always found great satisfaction in the moments when clients realise that something they thought was unobtainable is actually very much achievable with a bit of careful planning.

 

 

 

?>

Wiltshire IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

?>

Worcestershire IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

Dean Bowen - Ascot Lloyd Independent Financial Adviser

Dean Bowen

Dean advises on all areas of financial planning and provides tailored independent financial advice solutions to each individual client on a face to face basis.

He has extensive experience in evaluating client needs, and aims to demystify the increasingly complex financial world for his clients, and to establish long term relationships built on trust and by providing a first class professional financial advisory service with exemplary client care.

Dean has been employed in financial services all his working life and is based in South Wales, although working with high net worth and affluent clients nationwide.
He commenced his financial services career with a well respected insurance company, and has gained a wealth of knowledge through working for a major bank and a national IFA.
Dean believes that qualifications are the hallmark of a professional, and has always been well qualified in all financial planning areas. In 2011 Dean achieved the gold standard Chartered Financial Planner status, and is a Fellow of the Personal Finance Society.

Aaron White - Financial Adviser

Aaron White

In 2007 Aaron began his career arranging Portuguese Mortgages with Anglo Portuguese Mortgages before transferring to UK mortgages with Connells Group for 6 years.

He joined Newell Palmer in June 2017 and then became an IFA for Ascot Lloyd when the two businesses merged in December 2018. Aaron holds the following qualifications via the CII/PFS:

  • Diploma in Financial Planning
  • Certificate in Financial Planning
  • Certificate in Mortgage Advice
  • Certificate in Life & Pensions

Aaron is married and has one child. With his family he enjoys outdoor activities such as hiking, running and cycling as well as spending as many weekends as possible in Cornwall where his mother now lives.

Darren Mason - Financial Adviser

Darren Mason

Darren started his career in the financial services industry at Britannic Insurance before becoming an IFA in 2001. He joined Newell Palmer in 2009 and then became an IFA for Ascot Lloyd when the two businesses merged in December 2018. He holds a Diploma in Financial Planning and Long-Term Care Planning. Darren provides financial advice to both individuals and businesses.

Historically, Darren’s work has focused on pension planning, but he now spends an increasing amount of time advising company directors on business exit/succession planning. He also focuses on estate and tax planning for individuals.

Garry Godwin - Financial Adviser

Garry Godwin

Garry joined Newell Palmer as a Financial Adviser in the late nineties. He successfully progressed to Managing Director and ran the teams at the Bromsgrove office. Garry has successfully developed very strong client relationships and actively advises many key clients in both corporate and personal financial planning. He became an Independent Financial Adviser for Ascot Lloyd when the two businesses merged in December 2018.

Garry is a member of the Personal Finance Society (PFS) and holds a number of industry qualifications including the Advanced Diploma in Taxation & Trusts. Garry has attained his QCF Level 4 Diploma and has been granted his Statement of Professional Standing (SPS).

Outside work, Garry is a keen golfer, playing off a handicap of 11. He enjoys trying to keep fit and is also a keen runner. Garry also enjoys relaxing with his family and transporting his daughters and ponies (Mia and Casper) to show jumping events!

Ian Josh - Financial Adviser

Ian Josh

Ian advises both personal and corporate clients. He was a Director at Newell Palmer until the business merged with Ascot Lloyd in December 2018. He has forged strong professional relationships with his clients and believes these strong relationships are key to his success and the success of the company.

Ian is just as busy at home as he is at work, trying to keep up with his four daughters!

Mark Wilcox - Financial Adviser

Mark Wilcox

Mark began his career in the financial services in 1985 as a Broker Consultant for Wolverhampton-based Norwich Union. He then went on to work for another local IFA that was regulated by FIMBRA.

He joined Newell Palmer in January 2018 and is currently employed as a Client Relationship Adviser at Ascot Lloyd following the merging of the two companies in December 2018. Within his role Mark offers support to the Financial Advisers at the Bromsgrove office. Mark is an all-rounder but has previously worked in the investment arena with Close Brothers before joining Newell Palmer and subsequently Ascot Lloyd. He has also assisted clients with legacy planning/IHT, and pension/retirement planning.

Mark is married to his wife, Michelle, and has three grown up children – Lauren, Leah and George. When he’s not in the office you can find Mark working on his photography, watching sports or ticking destinations off his travelling bucket-list.

Matt Adams - Financial Adviser

Matt Adams

Matt was a Director and Financial Adviser at Newell Palmer prior to the merger with Ascot Lloyd in December 2018. As a Financial Adviser for Ascot Lloyd he provides all aspects of financial advice to corporate and personal clients. Matt has worked within the financial services sector since the mid-nineties, collecting an abundance of knowledge on the way. He specialises in estate planning and trust advice.

Matt is married with two sons, enjoys playing golf and is a member of the Moor Hall Golf Club.

Matthew Williams - Chartered Financial Planner

Matthew Williams

Matthew began his career in the financial services industry in 2006 and joined Newell Palmer as an Independent Financial Adviser in April 2014. He moved to Ascot Lloyd as a Chartered Financial planner on behalf of the businesses merging in December 2018.

Matthew is a member of the London Institute for Banking and Finance (LIBF). In 2017, he attainted his level 6 Diploma in Financial Advice (Adv DipFA) and became a Chartered Financial Planner. Matthew has been granted his Statement of Professional Standing (SPS) and holds the Award in Pension Transfers (AwPETR).

He provides financial advice to retail and business clients. Matthew believes a key component to his success is achieved by building long lasting client relationships and providing quality advice.

Outside of work, Matthew enjoys spending time with his wife and two children and he is also a keen footballer.

Ree Josh - Financial Adviser

Ree Josh

Ree started her career in the financial services industry in the late eighties at Cottle Passman and Co. She then joined Newell Palmer as a Financial Adviser in 2002 and earned herself a seat on the board as a company Director. Ree now advises her clients as an IFA for Ascot Lloyd after the acquisition of Newell Palmer in December 2018.

She spends her time at work advising a broad range of clients, young to old, corporate as well as individuals. Ree is G60 qualified for pension specialist business and transfers.

When she is not at work, she can be found spending time with her family, she enjoys getting lost in a good book, socialising and even the odd bit of DIY and gardening.

Robert Casselden - Chartered Financial Planner

Robert Casselden

Rob started his career in the financial services industry when he joined Hazell Carr Actuarial Services in 2003. He then moved to the role of Independent Financial Adviser within a national firm before joining Newell Palmer.

Rob then joined Ascot Lloyd as a Chartered Financial Planner after the two businesses merged in December 2018. In his role, he deals with a broad range of clients including personal, self-employed and corporate clients. Rob specialises in retirement planning and has achieved Chartered Financial Planning status.

When he’s not advising his clients, Rob enjoys spending time with his family, as well as playing squash, cycling and trying to reduce his golf handicap.

Stephen Groves - Financial Adviser

Stephen Groves

Stephen started his career in financial services in 1998, working for Friends Provident. Stephen naturally progressed within financial services and was awarded the opportunity to work in London for The Annuity Bureau as an Annuity Specialist. He then went on to work with his father at Groves Financial Planning as a general IFA (mostly pensions and investments) before selling to Newell Palmer in June 2013, when his father retired. He now works as a Financial Adviser for Ascot Lloyd following a business merger with Newell Palmer in December 2018.

Steve holds a Diploma in Regulated Financial Planning (DipPFS) and the Certificate in Insurance (Cert CII).

On a day-to-day basis, Stephen works closely with clients and has a specific interest in delivering investment and pension advice.

Outside of work, Stephen is married and is a keen cyclist. Stephen likes to keep himself healthy by regularly attending his local gym and occasionally enjoys a round on the golf course.

Steve Robertson - Financial Adviser

Steve Robertson

Steve started his career in financial services with Phoenix Assurance in 1980. He joined Newell Palmer over 20 years ago as an Indepedent Financial Adviser before joining Ascot Lloyd following the businesses merging in December 2018. Steve holds a Diploma in Financial Advice (DipFA).

In his role, Steve advises both corporate and individual clients on a range of financial matters and has a specialist qualification in pensions. He believes the clear, practical advice he gives builds strong and long-lasting relationships with his clients.

He is married with two children. Most of his time outside of work is spent watching sport or involved in some form of outdoor activity, including cycling and walking.

?>

Wrexham IFAs

Julian Bowen - Ascot Lloyd Independent Financial Adviser

Julian Bowen

Areas of expertise

Julian likes to help clients with a variety of financial planning needs from relatively straight forward  ISA and protection requirements, to more complex pension and tax planning advice.

Only by taking the time to understand what is important to each and every client, does Julian then help formulate individual financial plans to help achieve personal objectives. Julian helps clients with differing levels of experience and knowledge of finance, and can explain more complex situations into easy to understand language. He prides himself on establishing long term relationships, and establishing the trust that is needed when dealing with client’s finances.

Background

Julian has almost 17 years of experience in financial services. His career within financial services started as a mortgage broker with a local company in 2001. Following qualifying as a professional adviser, he then moved on to financial planning for leading companies such as Aviva and Legal & General.

Julian joined Bellpenny (now part of Ascot Lloyd) in early 2015, and has built a strong and trusted relationship with a number of clients in different parts of the country, but predominantly within South Wales & West Country. He aims to provide a first class service for all clients, and help guide them through the world of financial planning in friendly, professional manner in face to face environment.

?>

 

 

 

Our new app is here!
Download our new ‘My IFA’ app to get access to tax calculators, financial guides, expenses tracker and more. As a client you can also get full access to the Personal Finance Portal to view your investments and valuations.

Log in to your account

Please choose one of the links below to log in securely to either your Scheme Member account, or your PFP Wealth Management account.

> PFP Wealth management

> Pantheon

> Employee benefits