I have over thirty years' experience in financial planning, and have advised a broad range of private clients, families and commercial organisations in that time. I joined the profession from a corporate finance background, and hold a Fellowship of the Chartered Management Institute and Chartered Insurance Institute (CII) qualifications in business financial planning. As my role took me towards advising business owners, then private clients and their families, I broadened my range of knowledge and qualifications, to the point where I hold the CII Diploma, with advanced qualifications in Pensions and Taxation & Trusts; I am authorised by the Financial Conduct Authority as a Pension Transfer Specialist.
I am increasingly involved in providing advice and support to the clients of our legal and accountancy connections. I have joined the Society of Trustee & Estate Practitioners (STEP), and my knowledge, qualifications and experience allow me to act as a Pensions on Divorce Expert. While I work with accountants for private clients, families and companies, one of the areas where I have specialist experience is using pension funds to buy commercial & agricultural property.
I have extensive experience in working in the sensitive area of family law, supporting specialist solicitors on the financial aspects of separation & divorce; this includes valuations, preparing & reviewing form E, detailed assessment of assets, cash flow modelling, preparing financial strategies to achieve parity of income or capital, briefing & instructing actuaries, advice relating to child maintenance & spousal maintenance orders, advising on offsetting, and implementing pension sharing orders. However, alongside the technical aspects of this work, I never forget that behind the numbers is a client, couple or family going through what is often a traumatic event. Whether acting via a solicitor, collaboratively or as a joint instruction, or directly with the client, every aspect of my work is handled with empathy, discretion and sensitivity.
As a result, I am delighted to say that we are often instructed to advise clients on an ongoing basis, providing financial advice and support as they enter a new phase in their lives.
Pensions & property
Potentially complex and challenging, using pension funds to buy and invest in property usually requires teamwork. At the centre is the client, whose pension will drive the project, but there is usually accountancy and legal work required, surveying & valuation and perhaps a lender to provide additional funds. Then there is the need for a pension arrangement that can buy property, and usually transfers from previous pension benefits into the new arrangement. In the background is the HMRC which needs to approve the scheme.
Knowledge is important, but the most important factor in a successful pension / property transaction is experience. Having a thorough understanding of what property the HMRC will, won't and might allow, which pension providers accept what projects / assets, pension transfers, which type of pension arrangement works better under which circumstances, co-ordinating the various parties, the range of factors that need to be considered to achieve a successful outcome is exhaustive. I have helped pension funds buy / invest in factory units, retail premises, offices, a petrol station / garage, land for development, former residential property, barns, a hotel, lathes and laser cutters. Not every transaction has been problem-free, but I've learned from every one, and bring not only specialist pensions knowledge but thirty years commercial experience to each new project.
Fellow of the Chartered Management Institute
Society of Trust and Estate Practitioners (STEP) Affiliate
Chartered Insurance Institute
G10 - Taxation and Trusts
G30 - Business Financial Planning
G60 - Pensions
K10 - Advanced Pensions Certificate Options at Retirement
R01 - Financial Services Regulation and Ethics
R02 - Investment Principles and Risk
R05 - Financial Protection
GR1 - Group Risk
IF7 - Healthcare Insurance Products
CF1 - UK Financial Services, Regulation and Ethics
CF3 - Financial Protection
CF4 - Retirement Planning
CF6 - Mortgage Advice
CF8 - Long Term Care Planning
Financial Planning Certificates 1, 2 and 3
RYA Day Skipper (Tidal)
Ground Floor Bank House, The Lawns, 33 Thorpe Road, Peterborough, PE3 6AB
Telephone: 01733 355120
Fax: 01733 555522