I’m Akbar, an Independent Financial Planner with over 17 years of experience, dedicated to helping individuals and families achieve their financial aspirations. By adopting an independent and holistic approach to financial planning, I ensure that every solution is uniquely tailored to meet your circumstances and goals.

As a proud member of the Chartered Insurance Institute (CII) and the Personal Finance Society, I hold a Diploma in Financial Advice (DipFA) and certifications in Mortgage Advice, Equity Release (CII MP&ER), and Long-Term Care. Additionally, I am also a nationally recognised VouchedFor Top Rated Adviser.

I specialise in providing expert guidance on long-term care, pensions, savings and investments, and inheritance tax planning. Based in Gloucestershire, I am passionate about helping clients navigate complex financial landscapes with clarity and confidence, empowering them to make informed decisions.

Outside of work, I enjoy walking and spending quality time with my daughters, which keeps me inspired and grounded.

My approach is highly professional, personalised and hands-on, with every bespoke plan carefully crafted to provide financial security, peace of mind with a clear path toward. This means that together we can create realistic and actionable strategies designed to meet your specific needs and aspirations.

As an Accredited Advisor with the Society of Later Life Advisors, one of the recognised benchmarks for advisors who specialise in later life planning, I focus on helping families to navigate the care system and ensure their loved ones can continue to receive the level of care they desire. We will spend time constructing a holistic plan to ensure that their care needs are met, and which will also help achieve their other goals such as providing for their family or leaving a legacy. I find this to be rewarding work as I get to help ensure my clients can continue to afford the best care possible and provide families with peace of mind.

I am a Chartered Financial Planner and Fellow of the Personal Finance Society which means that I am qualified to the highest level to provide Financial Planning. I work as part of the Amber River Group who are one of the largest Chartered, Independent Financial Planning firms in the UK.  

I live in the Lake District with my wife, and Labrador Morris.  Outside of work we spend most of our time hiking and fell running and I am currently training to do the Bob Graham Round in 2026. Please get in touch for a no obligation meeting or telephone call to see how I can help.

Yash is the visionary founder of 1st Financial Foundations, established in 2001 we aim to provide Independent Financial Planning, education, and support. Guided by the philosophy of simplifying financial decisions, Yash ensures clients feel confident and comfortable at every step. His mission is to empower individuals to make sound financial choices that positively impact their lives.

With over three decades of industry experience, Yash is an expert in Wealth and Cashflow planning, Retirement, Pensions, Investments, Long Term Care, Wills, Trusts & Inheritance Tax, and Legacy planning. He understands the growing challenges of increased life expectancy, including the all the emotional and financial aspects of long-term care.

His approach centres on building lasting relationships, offering personalised, guidance tailored to each client’s unique needs.

Beyond his professional role, Yash is a keen golfer, an active supporter of local charities, and cherishes time with his family. Always up for a challenge, he completed the Everest Base Camp Trek in 2024.

For an initial discussion or meeting, simply contact Yash or Managing Director Tina, we are happy to promise that there won’t be a charge or any obligation for our initial consultations.

Mark originally trained as an accountant, working in finance before joining Nick to specialise in care fee planning advice. An Accredited member of SOLLA, he is passionate about ensuring that families have access to all the financial options available to them.

As an Accredited Adviser with the Society of Later Life Advisers, my passion lies in advising clients and families who require support navigating the complex area of care planning.

I aim to ensure every family has access to the right advice when they need it most. Later life financial planning can hold many challenges; my role is to inform families of their options to create a financial strategy that will give them financial independence and peace of mind.

My ethos is to offer bespoke, high-quality advice to create long-term relationships with every client and their family. We value our clients and are committed to being there for them every step of the way.

My qualifications and knowledge are complemented by other areas of expertise, including investment and inheritance tax planning.Thomas Rigg Wealth Management Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website.

SJP approved: 3rd July 2024

I approach all client families with the upmost respect and sensitivity, ensuring I understand the difficult position that all those facing care fees find themselves in.

Having experienced the care system and the financial strains that can accompany it personally; I assisted both my brother, after a brain aneurysm at a young age and my grandmother after her dementia necessitated more formal care I believe that my personal journeys give me an insight that many other advisers have simply never had.

Taking an independent and holistic view to all planning needs ensures you will always be presented with the right solution for your circumstances.

I am a fellow of the personal finance society, a chartered financial planner, a nationally recognised ‘VouchedFor top rated adviser’, and am lucky enough to work at a great company in Beaumont Wealth, who have been providing expert, tailored financial advice for over 23 years.

Working in conjunction with offices in Chester, Shropshire and North Wales, I am proud to offer specialist advice across care funding, pensions, savings and investments as well as inheritance tax planning.

Outside of work I enjoy travelling, keeping fit, walking, and spending time with my daughters.

My role is to become your trusted professional adviser, taking away the pressure of the complex financial quagmire that this area can present, my extensive experience collaborating directly with clients, caregivers, and appointed attorneys means you can be sure that all the aspects surrounding your situation will have been explored.

I look forward to helping you with any issues you are facing.

Katie is a Chartered Financial Planner and an Occupational Pension Specialist. She has worked in Financial Services since 1997 joining Attivo in 2019. Katie is a Fellow of the Personal Finance Society (PFS), part of the Chartered Insurance Institute (CII).

Katie also holds the coveted Later Life Adviser Accreditation from the Society of Later Life Advisers (SOLLA), an endorsement of her skills and experience of working with, and understanding the needs of, older people and their families and carers.

To achieve Chartered status, Financial Planners must hold the Advanced Papers from the CII. Katie holds several.

Over the years Katie is both proud and delighted to have been recognised within various prestigious awards, including:

• 2022 Investment Week Women in Investment: Nominee
• 2022 Financial Reporter Women’s Recognition – Later Life Adviser of the Year: Winner
• 2022 Professional Adviser Women in Financial Advice – Financial Adviser of the Year (South-East): Finalist
• 2018 Professional Adviser Women in Financial Advice: Finalist
• 2018 Financial Times Money Tax-Efficient Investing Planner of the Year: Runner up
• 2017 Financial Times Money Management SIPPs Planner of the Year: Runner up

In my spare time I like to pound the pavements or chase a tennis ball around a court hoping to catch it on my racket from time to time.  Sport has ingrained in me the importance of goal-setting, time management, and the pursuit of improvement. Moreover, it’s taught me humility in victory and grace in defeat, I have learnt how to be very graceful!

Sandra has been providing advice to a wide range of clients for over 30 years, including investment and pension advice; estate planning; and more recently helping families navigate the care system.

We are all living longer but that doesn’t come without it’s own consequences.  It can be quite an overwhelming responsibility finding the best care for your family member, not to mention the financial impact.

I take pride in building long term relationships with all my clients to provide help and advice whenever it is needed.

I’m married with 2 grown up daughters.  I’m lucky to live in Edinburgh with lots of lovely places nearby to walk my dog at the weekend.

I would welcome your enquiry at any time and happy to offer help and advice.

I help families, individuals and a network of professionals achieve financial security in older age, specialising in later life issues including the funding of care, and planning for Inheritance Tax, retirement and investment planning.   

My approach is sensitive, understanding, kind, unrushed and empathetic, all provided within a supportive environment. I will listen and take the time to always understand your concerns with respect and dignity. I will help you frame the things that are important to you, staging our conversations in a way that matches you and your individual needs whilst taking time to ensure the safety of any decision making.

I will explore all your options, looking at what state benefits are available, how fee contributions are calculated going on to craft tailored, bespoke solutions clearly in a way that you understand.

Who knows how long they will live, how long their money needs to last, will they need care, what the cost of this might be, how long it might be needed and where?  Will people need to sell their home and is this at odds with their wishes? 

These unknown future parameters often make it difficult to plan our finances.

I understand you are bound to have many questions these can be highly personal and sensitive to you and your family. Conversations are often highly emotive, sometimes challenging. I will understand, offer counsel and support. I can help, be your guide and help create the right plan tailored to you.

Beagle Financial Advice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website.

SJP Approved: 22nd August 2024

I’ve worked in the financial industry for just over 20 years, I started in administration roles and worked my way through to management roles. In 2010 I started my journey as an adviser, as I had been working at a company offering financial solutions for the over 55’s I decided to continue to advise in this area. I feel I have found an area I really care about as it gives me an opportunity to help individuals and their families fully understand all their options in later life.

Equity Release is a lifetime mortgage. To understand the features and risks associated with this type of mortgage, please ask for a personalised illustration.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Jon-Paul is an independent financial planner based in Warwickshire, serving clients through the Midlands.

He takes a strategic approach with his clients, drawing up coherent, personal and realistic plans; helping them lead the life they want, without fear of running out of money.

Where care is required, the challenge is often distinct but stressful; the financial implications can be daunting, often confusing and harsh if you make a mistake.

By combining technical skills with a sympathetic approach to discussions Jon-Paul helps clients understand their present situation and identify what paths are likely to be most appropriate. 

To support this, Jon-Paul undertakes sophisticated modelling and analytics but is careful to explain such output in familiar language; rather than confuse clients, he wants to ensure they understand clearly what is being advised and why.

Jon-Paul is a founder/director of Cygnus Financial Planning a Chartered Financial Planner, a Fellow of the Personal Finance Society and is accredited as a Later Life Specialist through the Society of Later Life Advisers.

With over 15 years of professional experience helping clients structure their retirement and beyond, he’d be delighted to speak with you, without obligation, to see how he can help.

I am a financial planner in the Yorkshire region, looking after a number of high net worth families and their finances.

My expertise covers all aspects of financial planning including care fees planning, pensions and investments, inheritance tax and estate planning, as well as mortgages and protection.

I work for Quilter Cheviot, who are part of one of the largest financial planning networks in the UK.

We’re here to help secure your financial future by supporting you with trusted advice every step of the way. Our experienced planners are here to help with whatever you need, whenever you need it.

When not at work I spend my free time chasing after my 6 and 4 year old kids, watching and playing sport including Football and Rugby, as well as being an avid live music fan.

I am a Chartered Financial Planner and a Director of Forvis Mazars, responsible for leading our independent financial planning team based in Milton Keynes. I have obtained Fellowship of the Personal Finance Society and am a member of the Society of Later Life Advisers, recognition of my knowledge and technical capability, as well as my ongoing commitment to professional development, particularly in supporting the needs of clients in later life.

By listening to the needs of my clients and encouraging thought provoking discussions regarding their financial and lifestyle objectives, I develop tailored financial planning strategies aligned to their goals.

I am a strong advocate of lifetime cashflow modelling and believe that everyone should have a financial plan regardless of their financial position or circumstances. For me, financial planning isn’t about setting up investments or establishing products, it’s about understanding what my clients want to achieve – their motivations, worries and longer-term plans – and putting together a robust and flexible goals-based plan that can adapt to their changing needs over time.

I have a particular passion, interest and expertise in supporting clients with their estate planning needs as well as planning associated with care costs.

I’m a chartered financial planner and have been working in the industry for more than 19 years, advising for 11. I’ve held various roles from mortgage administration, to managing a bank branch, all leading to becoming and Independent Financial Adviser. I really enjoy helping people to understand their finances and achieve their goals. I find it is a very rewarding job and have a great relationship with my clients.

I have been working a lot within the later life advice area in the last 6 years and feel I can be most helpful to my clients and their families at this time. I’ve worked with power of attorneys and local solicitor firms to help with care fees planning and financial considerations alongside this area of advice.

At home, I have a miniature Dachshund and a daughter. We spend as much time as we can outdoors and enjoy visiting new places.

ABOUT

I set-up my own business as an Associate Partner Practice with St. James’s Place Wealth Management in June 2016, when I decided to ‘leave the nest’ of Advanced Financial Strategies, a Senior Partner Practice of St. James’s Place, whom I’d been with for 11 years. Still based in Paisley, I am able to provide advice to clients across West & Central Scotland.

Following graduation from university and prior to joining the financial services industry, I spent 5 years working in Education and Health & Fitness. Now with over 15 years working in the financial services industry, 8 of them with St. James’s Place as an adviser within a Senior Partner Practice, I have gained a wealth of knowledge ensuring I provide the very best advice for my clients. When I took the decision to spread my wings and start my own business the decision was a simple one to continue my association with St. James’s Place.

As an adviser I grew my business on the simple premise of nurturing long-term trusted relationships based on offering bespoke, honest and proactive wealth advice in a quiet self-assured manner.

In line with my professional background, I have focused on developing specialist knowledge and am now a Member of the Society of Later Life Advisers. However, as a representative of St. James’s Place Wealth Management, my service is enhanced and complemented by the provision of advice covering the areas of Investment planning, Inheritance Tax planning and Retirement planning.

I have been committed to care fees planning arena since joining Financial Services. My SOLLA accreditation and Symponia membership highlights this ongoing commitment to such an important aspect of financial planning.

My aim is to ensure every family has access to the right advice when they need it most. Later life financial planning can hold many challenges; my role is to inform families of their options to create a financial strategy that will give them financial independence and peace of mind.

The Apex ethos is to offer bespoke, high quality advice to create long term relationships with every client we take on.

My qualifications and knowledge are complemented by other areas of expertise, including Investment Planning, Inheritance Tax Planning as well as identifying effective retirement strategies.

Our genuine commitment is to offer clients the opportunity to access advice now, whilst ensuring that any recommendations remain appropriate in the future through regular reviews.

Apex Financial Services is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website. Apex Financial Services is a trading name of Apex Financial Services & Wealth Management Ltd.

SJP Approved: 3rd July 2023

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Based in York, I provide wealth management advice to clients both within the North Yorkshire region and more widely throughout the UK.

In line with my professional background of which I am a Fellow of the Personal Finance Society and a Chartered Financial Planner, I have focused on developing specialist knowledge within the often complex arena of care fees planning to become fully qualified and an accredited member of the Society of Later Life Adivers.

At Crossfield Financial Planning, planning is really at the heart of what we do. We are a family run business and take the time to understand what it is that our clients want and need, and then we produce detailed reports showing their options and outcomes for each one. This really helps our clients understand their situations and what solutions are available.

Outside of my business, I am dedicated family man and love spending time with my wife Charlotte and my young sons Travis and Hugh. I enjoy football, although more watching than playing these days, I am a black belt 1st Dan in Tae Kwon Do which keeps me fit and active. I also enjoy golf, playing the saxophone and mountain & road biking.

Rabeya is the Principal partner practice of Rabeya Islam Wealth Management Consultant’ and a Member of the Society of Later Life Advisers. Rabeya has provided financial advice for last 30 years specializing in services for the retired, including care for the elderly, care fees, investment planning, and inheritance tax advice, as well as providing in house mortgage specialists.

Meeting the needs of Elderly clients and their families with links to Legal Professionals, Independent Care Consultants, Property Specialists and providing help towards finding the right care home.

Rabeya joined the financial services as an adviser in 1992 after qualifying as a Certified Accountant, although her degree was in Physiology, she always found subject of health interesting and combining this into figures in the financial planning world of care made the job for her more challenging and rewarding.

Based between the boarders of Enfield and Barnet, Rabeya likes to provide friendly face to face advice. Choice is the key ingredient for her clients, providing solutions that are reassuringly straightforward, with an emphasis on building up relationship and trust.

All dealings with clients are dealt with in a compassionate and caring manner in total confidence. With the emphasis of building and preserving wealth through sensible planning, her practice has grown through personal recommendations from satisfied clients and maintaining long relationship with clients through regular reviews.

Rabeya is married with two children and spends her spare time fund raising for the local community and her children`s schools.

Working as a close team Nicola and Richard Bywater have been advising clients for a combined period of 40 years and pride themselves on the long standing relationships they have with their clients, a number of whom have been with them throughout .

They specialise in advising older clients with regard to care fees planning, investment advice and Inheritance Tax advice although a lot of their clients ask them to advise their families on various financial issues.

Nicola and Richard have experienced the problems that people encounter later in life not only with their clients but also within their family and therefore understand how emotional it can be when a loved one needs care. They are proud of their reputation as professional, caring advisers.

Married for 12 years they have two boys, Daniel (10) and Sam (6).  Both boys love sports including football, swimming, karate, cross country, golf and cycling. 

Nicola and Richard also enjoy cycling and spending time as a family.  Recently Richard cycled to Paris to raise money for Birmingham Children’s Hospital and Nicola and the boys were very much involved meeting him on the finish line.

You are welcome to contact Nicola and Richard at any time for an initial discussion or meeting for which there will be no charge, pressure or obligation. They will listen to your own personal circumstances and advise you accordingly.

As an Accredited Adviser with the Society of Later Life Advisers one of the recognised benchmarks for advisers who specialise in later life planning – my aim is to ensure that my clients are better informed about the financial issues of later life. As a care fees planning specialist I assist my clients in creating a plan and achieving peace of mind.

Horsham Financial Services are a family business based in Horsham for over 30 years. We are committed to building and sustaining long term relationships based on trust, superior service, and the quality of our initial and on-going advice.

My qualifications and expertise in care fees planning are complemented by the provision of advice covering the areas of investment planning, inheritance tax planning and retirement strategies. Together, we create a working plan, providing you and/or your family with a clear direction towards meeting financial goals; ensuring that plans stay on track with regular reviews.

I help my clients attain financial independence and peace of mind. Do get in touch for a no obligation meeting or simply a telephone call to discuss your needs.

Horsham Financial Services Limited is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services more details of which are set out on the Group’s website. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

SJP Approved: 24th June 2024

In 1995, after completing an economics degree at Bristol University Simon established his career in financial services. Having worked in several aspects he opted to focus in the provision of ‘Later Life Advice’ directly to clients and their families back in 2002.

He is particularly keen to provide advice to care home residents and their families on all issues relating to care fee funding. His decision to specialise in this area followed a personal experience, witnessing both the emotional and financial stress that his parents went through when his grandmother had to move into a care home.

As such Simon is an accredited member of The Society of Later Life Advisers, and prides himself on being both a professional and caring adviser to those who need help at what is often a highly emotional and confusing point in clients’ lives.

Outside work, Simon enjoys participating in numerous sports, with a passion for golf and outdoor life in general.

You are welcome to contact Simon at any time, if only for an informal chat about your own or family circumstances. He will be pleased to provide you with any information that you may need, and if appropriate, comprehensive advice that is specific to your circumstances.

Daniel Kasaska is married with 3 children and resides in central Berkshire.
Daniel is part of the Protection & Investment Ltd practice, which has approximately 25 advisers throughout the Thames Valley and Hampshire, making the company a significant regional advisory business. The practice contains experts in all areas of financial planning although Daniel is the only person who specialises in Care Fees Planning.

Daniel has been in the financial advisory arena for the past 30 years becoming an IFA in 1991 and starting to work in the Long Term Care field in 1993. Since that time Daniel has become a recognised specialist in this area, helping organisations and care homes with residents and prospective residents planning.

Daniel is a member of The Society of Later Life Advisers, a qualification gained via the Financial and Legal Skills Partnership. He is also a member of the Retirement & Care Faculty and the Equity Release Council.

As a first step in the process Daniel is pleased to offer a free no obligation meeting to discuss your requirements at a time and place convenient to you. Daniel is based at offices in Ascot and Aldermaston and works throughout the ThamesValley and surrounding areas.

Daniels Other Areas of Expertise include:

• Retirement Planning Strategies
• Investment & Wealth Management
• Estate Planning and Inheritance Tax Mitigation
• Equity Release & Mortgage Advice

This is what clients are saying about him:

“We realised just how invaluable your help and advice has been to both of us over that period. Your advice would seem to have potentially saved us an extraordinary amount of money. So we would like to take this opportunity to sincerely thank you both for everything you have done for us, and look forward to continuing our business relationship as regards to our own investments into the future.”
Mr & Mrs L

“Daniel was patient, helpful and informative throughout – taking the trouble to explain everything in detail throughout – I can’t praise or thank him enough and I will certainly recommend his services to anyone!”
Mrs H

James Rudd is a Director of Brownlow Wealth Management Limited. This small family run company has been in business for thirty years and specialises in services for the retired, including care for the elderly, care fees planning, investment planning advice and inheritance tax advice.

James is fully qualified to advise in the more complex area of care fees planning and has been a financial adviser since 1994. He is based in Hertfordshire and provides friendly face to face advice, specialising in care fees planning, inheritance tax planning and investment planning.

He is particularly good at providing clear choices for his clients, which provide care fees solutions that are reassuringly straightforward, with an emphasis on estate preservation. All dealings with clients are dealt with in a compassionate and caring manner in total confidence.

He can help with links to specialist solicitor firms and can also help you find a suitable care home.

James lives in St Albans and has three young children, enjoys travel, cycling, cricket and squash and has a keen interest in playing as well as listening to music.

Brownlow Wealth Management Limited is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website.

SJP Approved 22^nd February 2024

Working with AisaProfessional, a truly Independent Chartered Financial Adviser, I have considerable experience in inheritance tax planning, advising on trusts and in investment matters. As well as advising clients, I have other responsibilities such as creating the investment portfolios as a member of my company’s investment committee.

Having dealt with the issues in Long Term Care during my mother’s Alzheimer’s disease, I am aware that you are looking for advice at a very sensitive and difficult time.

My aim is to provide clients with the appropriate advice and service in a compassionate and constructive manner to enable you to make the right choices for you and your loved ones.

The current care regime can look incredibly complicated when you first look at it. I consider it my job to guide you safely through the maze, specifically ensuring that:-

a) The person needing care gets the best available treatment.
b) The correct level of State benefits are being claimed.
c) As far as possible your assets are preserved for you and your family.
d) You receive an ongoing service.

I live in Norwich but am based in an office in Cambridge so if you require assistance in either area, I can easily accommodate your requirements.

I’ve nearly 40 years industry experience and have been with Verso (formerly known as Pavis Financial Management) for close to 25 years. I’m a Chartered Financial Planner and won the Outstanding Financial Services Personality (2020 Women in Business Awards) which was a great achievement.

My particular expertise is in providing friendly, face-to-face holistic financial advice for my clients and their family members, including care fees, investment and inheritance tax planning advice.

All my clients have a diverse range of needs and objectives, which means that the options and solutions for each family will differ. I recognise this and my objective is to enable clients to choose where they receive their care, with the peace of mind that they will be able to meet rising care costs indefinitely. My clients find me compassionate, empathetic and professional.

I am an Affiliate member of the Society of Trusts and Estate Planners (STEP) and a Vice President of the Insurance Institute of Liverpool. In my spare time, I enjoy hiking, cycling, yoga and travel.

Nick is a highly trusted and experienced finance professional. He advises both the professional market and individual clients, working closely with families to provide a comprehensive financial support strategy.

As an experienced financial planner, he supports his corporate & individual clients in relation to:

• Protection planning
• Tax efficient Savings & Investment
• Retirement strategies (including workplace retirement planning)
• Estate planning – including wealth creation, investment portfolio construction, later life care strategies, equity release, lifetime & general mortgages.

Through a detailed holistic approach, Nick helps his clients to consider and define their lifetime planning objectives, explaining the options available supporting clients and their families in making the best-informed choices, which provides them with confidence in their financial future.

As a later life professional adviser Nick liaises with his clients, their family and financial providers, working with the Power of Attorney to support the best financial outcome for care provision and its funding.

Nick is a very keen swimmer, motorcycle tourer, cricket and rugby enthusiast. His sports interests mean that he rarely gets the time to support his other passion Campaigning for Real Ale (CAMRA) although he has been successful in combining both of his passions by helping fund raising beer festivals for his local village, supporting a local charity for the community as well as club.

Working as a close team Nicola and Richard Bywater have been advising clients for a combined period of 40 years and pride themselves on the long standing relationships they have with their clients, a number of whom have been with them throughout .

They specialise in advising older clients with regard to care fees planning, investment advice and Inheritance Tax advice although a lot of their clients ask them to advise their families on various financial issues.

Nicola and Richard have experienced the problems that people encounter later in life not only with their clients but also within their family and therefore understand how emotional it can be when a loved one needs care. They are proud of their reputation as professional, caring advisers.

Married for 12 years they have two boys, Daniel (10) and Sam (6).  Both boys love sports including football, swimming, karate, cross country, golf and cycling.  Nicola and Richard also enjoy cycling and spending time as a family.  Recently Richard cycled to Paris to raise money for Birmingham Children’s Hospital and Nicola and the boys were very much involved meeting him on the finish line.

You are welcome to contact Nicola and Richard at any time for an initial discussion or meeting for which there will be no charge, pressure or obligation. They will listen to your own personal circumstances and advise you accordingly.