Areas of expertise
I am a highly experienced Independent Financial Adviser, with a wealth of knowledge gained over the last 30 years in the financial services industry. This has provided me with a detailed knowledge and expertise in the global financial markets, which I continue to maintain and build on, through ongoing studies and Continuing Professional Development.
I am particularly skilled in working with high net worth clients, trusts and charities as their trusted adviser. I offer bespoke, initial and ongoing holistic advice which covers the areas of Savings and Investments, Retirement Savings (accumulation and decumulation), Estate Planning and Protection. Intergenerational Wealth has been a significant focus of my recent work with clients and I have an extensive knowledge and detailed understanding of this invaluable area, understanding the importance of educating, engaging and supporting families ensuring maximum financial security for my clients and their beneficiaries.
My experience has also allowed me to develop excellent working relationships with local professionals such as Solicitors, Accountants as well as Discretionary Fund Managers across the UK. By working closely with these other trusted advisers, I provide a seamless level of high-quality support, service, and bespoke Independent Financial Advice to my clients.
I passionately believe what has enabled me to be so successful as a trusted adviser is my relatability to my clients. I have strong interpersonal skills and a high level of emotional intelligence. A client is not just a client, but an individual person, couple, family or organisation, often with a complex and unique set of circumstances. However, I am skilled and experienced in breaking these down, considering the options available, before providing the most appropriate solution to them.
Further added value I offer is that I will only ever hold a limited number of clients, thus ensuring that a high level of support is always on hand and most importantly this will always be delivered personally by me, their trusted adviser. Adopting this niche approach to financial planning means that I am able to maintain the ethics, values and beliefs which are so important to me as well as being honest and transparent, throughout our journey together.
My ethos can be summarised simply as something which was taught to me at an early age by my parents, “Treat people and look after people the same way you would like to be treated or looked after yourself”.
Financial advice is about so much more than money. To me it’s about helping my clients achieve the future they want for themselves and their families. Helping you realise financial security and put your hard-earned money to work is what drives me as a Sandringham Partner.
During my time as a financial adviser, I’m proud to have helped people from all walks of life. A common misconception is that advice is reserved for the wealthy, but you don’t have to have millions in the bank to benefit. I’ve helped people from diverse backgrounds and professions reach their goals. It’s a big part of why I love what I do.
Whether you’re just getting started or a seasoned investor – financial advice could help you get more from your money. I start by understanding your needs and financial ambitions – this might be working towards a particular goal, or helping loved ones down the line.
It’s important we consider things like your ability to make regular payments, any one-off investments you could make, your level of comfort regarding market volatility and risk and how long you’re looking to invest for. I can then recommend the investment products that I believe best match your aims and expectations.
Have you considered what you want your retirement to look like? Most people accept that it’s generally a good idea to save into a pension. But will it give you enough to live the life you want in retirement? The earlier you lay the groundwork, the better. Effective retirement planning could mean you’re financially better off and have more time to spend on the things you love.
It’s never too late to put plans in place or discuss your options. I can look at your situation and recommend which steps to take, based on where you are in life, to help make your income last in retirement.
We can’t predict what life has in store for us, for better or worse. But we can prepare ourselves. If you become unwell and can’t work, you may not be able to pay your bills and your family could be left in financial difficulty. I can help you create a protection plan that might include income protection, life cover and critical illness cover. Knowing you’ve taken out financial protection to take care of things could mean one less worry for you and your loved ones.
It might not be nice to think about, but having a plan in place for what happens to your money and other assets when you die can have a huge impact. The earlier you have these conversations and put plans in place, the longer you have to make better use of tax allowances, so more of your wealth can be enjoyed by your loved ones.
There are some financial implications to consider when passing on wealth as well as your own personal wishes for your money, and I can help you create a plan that considers both. Tax rules can change and the impact of taxation and any tax relief depends on your circumstances, including where you live.
Find an adviser in your area and get the conversation started
Suite 15
The Media Centre
7 Northumberland Street
Huddersfield
HD1 1RL
Sandringham Financial Partners Ltd (‘Sandringham’) is authorised and regulated by the Financial Conduct Authority. FCA Number: 581304. Registered Office: Suite 15, The Media Centre, 7 Northumberland Street, Huddersfield, HD1 1RL. Registered in England and Wales No: 08022795. VAT Registered: 235 3237 81. Sandringham Financial Partners Ltd is a wholly owned subsidiary of M&G plc (Registered Number 11444019).
