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Your pension could be key to your financial future, so let’s make sure it’s working as hard as it can.
Pensions can be complex, but that’s all the more reason to get high-quality financial advice from a team you can trust. Whether you already have one or more pensions or you don’t have any arrangements in place, we’ll talk through the complexities and help you make a confident choice.
Pension arrangements depend on many factors including your age, your family situation, your career and your attitude to risk, so we take time to get the full picture before recommending choices to suit your circumstances. We will also help you decide what to do with your funds once retirement comes around. It’s a big decision, but with our help, retirement can be worth looking forward to.
The value of investments and the income derived from them can fall as well as rise. You may not get back what you initially invested.
Chartered Financial Planner
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Stephen has over 20 years’ experience in financial planning and is one of the highest qualified planners in the UK having attained both Chartered and Certified status. In addition Stephen has passed the Society of Trust and Estate Practitioners specialist examinations and is a Registered Trust and Estate Practitioner (TEP). Stephen was elected as a Fellow of the Chartered Insurance Institute (FCII) in 2010. Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry.
Stephen has been advising private clients on post retirement issues including inheritance tax planning since 1999 and has received numerous national awards for his advice via the Financial Planner of the Year Awards which are run by one of the Financial Times’ specialist publications: Money Management. Whilst Stephen’s technical expertise is second to none, he believes that it is his approachability and skill at making complicated solutions easy to understand, which makes his advice so popular.
Independent Financial Adviser
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Kirsty has completed the Chartered Insurance Institute’s Diploma in Financial Planning and is currently working towards her Advanced Diploma and Chartered Status.
She provides advice in all aspects of financial planning including life insurance, pensions and investment solutions, specialising in corporate pension schemes. In October 2014, she gained national recognition when she was named as runner-up for the UK Automatic Enrolment Planner of the Year award by the Financial Times’ specialist publication, Money Management.
Chartered Financial Planner
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After achieving a First Class Honours Degree in Accounting & Finance, Tracy is now one of the highest qualified financial planners in the UK having attained both Chartered and Certified Status. Tracy is a Fellow of the Personal Finance Society which is evidence that she has attained the most prestigious level of professional achievement. In addition, Tracy is now a registered STEP Associate having passed the Society of Trust and Estate Practitioners (STEP) Diploma in Trust & Estates and the Advanced Certificate in Family Business Advising.
Tracy has been providing advice to private clients and business across investments, pensions, taxation and estate planning since 2007 and believes her friendliness and ability at making complicated solutions easy to understand makes her a popular and successful adviser. Tracy is a Welsh speaker and able to offer a bilingual service.
Chartered Financial Planner
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David’s extensive experience in financial services has seen him complete the Chartered Insurance Institute’s Advanced Diploma, and he has also attained Chartered status. This highlights his detailed technical knowledge and commitment to professional development.
David provides advice to private clients and businesses across investments, pensions and protection, specialising in corporate pensions.
Chartered Financial Planner
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Antonia achieved Chartered Financial Planner status in 2024 after successfully completing the rigorous Advanced Diploma in Financial Planning via the Chartered Insurance Institute. Chartered status is a symbol of technical competence and signifies a public commitment to professional standards.
Having gained extensive experience in a wide range of financial matters over her career, which started with 75point3 in 2007, Antonia now offers investment and pension advice to private clients, trusts and attorneys, either directly or via professional connections.
Antonia prides herself on offering a friendly, approachable service which allows her to work closely with clients, their families and other advisers to develop and implement effective retirement planning, investment strategies, protection analysis and inheritance tax planning.
Compliance Officer
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Kim holds Chartered status and is working towards becoming a Fellow of the Personal Finance Society. She has undertaken numerous industry roles including paraplanning, advising and training and competence, and has developed considerable expertise across a wide range of roles.
Kim oversees all aspects of compliance, training and competency for our business, and is looking to expand her knowledge further into management and compliance.
Chartered Financial Planner
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Emma’s skills and professionalism were recognised early in her career when she was voted Newly Qualified Independent Financial Adviser of the Year at the Financial Adviser Life and Pensions awards in 2010. Since then she has gone from strength to strength, attaining Chartered status in 2014 and being elected a Fellow of the Personal Finance Society, highlighting her technical knowledge and commitment to professional development.
Emma specialises in providing advice to private clients and businesses across investments, pensions and protection, and she particularly enjoys using cashflow modelling to complete her holistic approach to financial planning.
Chartered Financial Planner
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During his many years in financial services, Rory has been awarded Chartered status – one of the highest exam-based qualifications for financial advisers in the UK – and attained a Distinction grade in the G20 Personal Financial Planning examination. He has been advising private clients on investment and retirement issues, including inheritance tax planning, since 1991.
Rory has been elected a Fellow of the Personal Finance Society – evidence of his technical knowledge and commitment to professional development. He has also been awarded the Certificate for Financial Services (Trusts and Estate Planning) from the world-renowned Society of Trust and Estate Practitioners.
Rory works closely with all his clients, helping to plan and organise their finances, and bringing them the reassurance of knowing that their financial lives are in good shape.
Pensions are a long term investment. Pension legislation can and may change in the future. Please seek independent financial advice before taking any action in respect of existing pensions schemes as certain safeguarded benefits maybe lost.
Our status as Chartered Financial Planners demonstrates our commitment to the highest standards of excellence.
Our status as Chartered Financial Planners demonstrates our commitment to the highest standards of excellence.
