Stephen is the firm principal and is responsible for the day to day running of the business.

His career in Financial Services started over 20 years ago, initially with a large Employee Benefits Consultancy before moving into regulated financial advice. Stephen is an experienced adviser providing relationship-based financial planning advice to both private and corporate clients.

He is a Fellow of the Personal Finance Society, the highest qualification that can be obtained through the Chartered Insurance Institute (CII).  Less than 10% of regulated financial advisers in the UK hold this qualification.   Stephen is also a Chartered Financial Planner through the CII.

Being a Chartered Financial Planner brings with it serious obligations.  Stephen is required to ensure that the advice, service and ongoing support he provides is of the highest quality and based on the client’s researched needs.  He must also adhere to the CII Code of Ethics and continuing professional development requirements.

He is also a Pension Transfer Specialist, which allows him to provide bespoke advice on complex areas of pension planning, such as final salary transfers.

In addition, Stephen is also a qualified Mortgage, Equity Release and Long Term Care adviser and satisfies the FCAs appropriate qualification requirements for those managing client investments.  He is also a full member of the Chartered Institute for Securities and Investment.

Furthermore, he also holds the Retirement Provision Diploma awarded by the Pensions Management Institute.

Stephen lives in Sale, Cheshire with his wife and four young children and enjoys a round of golf in his spare time.