Andrew has been providing bespoke financial planning advice for over 26 years. He is experienced in advising both individuals and companies on a wide range of financial matters.
Andrew works in partnership with his clients and their advisers, to gain an intuitive understanding of every aspect of their current situation, future commitments, aspirations and concerns.
Andrew’s clients come from all walks of life which include business owners, expats, lawyers and accountants. His clients have sought expert and impartial advice and are typically about to or going through a transition in their financial lives such as:
- Wishing to prepare for in the near future
- Understanding whether they can achieve their future goals
- Structuring savings and investments to meet income and capital needs tax efficiently
- Wishing to understand financial implications
- Assessing options and assessing changes to future lifestyle
- Planning for their ‘new life’
Seeking financial security and independence:
- Helping clients work out what they want to do with their lives and the reasons why
- Building an action plan to ensure they have the best chance of achieving their aspirations
Andrew also works with a number of solicitors and accountants providing technical support to their clients in relation to corporate planning or financial planning issues.
Outside of work
Andrew lives in Sussex with his partner Julie and son Ollie and in his spare time enjoys Motorsport, sailing and snowboarding.
Andrew is a Certified Financial Planner and affiliate to STEP and Resolution. He is also an assessor for the CISI CFP Financial Planning Exam.
All financial advisers in the UK must be registered on the Financial Conduct Authority (FCA) register and hold a valid Statement of Professional Standing (SPS). In an age where financial scams pose a real threat, it’s important to make sure you don’t take financial advice from anyone who doesn’t appear on the FCA Register or hold a valid SPS.
FPFS – Fellow, Personal Finance Society
To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
APFS – Associate, Personal Finance Society
To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
CFP – Certified Financial Planner
An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.
AdvDipIP – Advanced Diploma in Financial Planning
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
AF5 – Financial Planning Process
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
DipFP – Diploma in Financial Planning
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
J06 – Investment Principles, Markets and Environment
At the end of this unit, candidates should be able to demonstrate an understanding of how the economic environment and individual company performance affect investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.
CF2 – Investment and Risk
This examination assesses a knowledge and understanding of investment products and the risks involved.
CF3- Financial Protection
This examination assesses a knowledge and understanding of financial protection plans.
CF4 – Retirement Planning
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
CF9 – Pensions Simplification
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
G10 – Taxation and Trusts
This examination assesses a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
G20 – Personal Investment Planning
This examination assesses a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.
G60 – Pensions
This examination enhances general pension knowledge, particularly in pension transfers and opt-out business.
K10 – Retirement Options
This examination assesses knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.
K20 – Pensions Investment Options
This examination assesses knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.