Since joining the financial services profession in 1990 I have helped many individuals, families and businesses with their financial arrangements. My clients include members of the medical profession, accountants, solicitors, company executives, expatriates, directors, business owners and salaried employees.

By passing various advanced exams covering pensions, taxation and trusts, and personal investments I have attained various advanced financial planning certificates - a qualification only a minority of advisers possess permitting me to use Dip PFS after my name. Using this knowledge I act as a pension specialist for pension transfers, income drawdown and phased retirement options. I also provide this support to other financial advisors.

A full list of my qualifications along with the areas of use are as follows:

G60 - Occupational pension - To transfer or not? Divorce pension sharing.

G10 - Inheritance tax planning and trusts.

G20 - Personal investment - regular savings or lump sums.

Cemap Bridge Paper - Mortgages & lifetime mortgages.

K10 - Income drawdown / phased retirement planning.

G70 - Portfolio management - fund management of large sums.

CF9 - Pension simplificaion

I also cover a whole range of financial planning from the simplest savings plan, through to mortgages, pensions, capital investments, business or personal protection plans and inheritance tax planning. Over the years I have developed a general philopsophy and practice of family and corporate financial planning, and feel confident that my years of accumulated experience and qualifications can be of help to you.

As has been said many times NO ONE PLANS TO FAIL but MANY FAIL TO PLAN

Making the right decisions now will make a substantial improvement to your future wealth and financial security

Planning for your retirement is your responsibility.