We provide independent advice in all areas. Our advisers are highly qualified experts in their fields and are supported by a talented team of technical researchers and administrators.
Louisa has worked in the financial services industry since 2001, advising clients on mortgages since 2008. Her clients are a cross-section of City, media and theatrical individuals wanting someone to take the stress out of an already stressful process.
She is well practised in guiding first time buyers through the process of buying their own home and in arranging mortgages for busy individuals who have neither the time nor the desire to negotiate the market in their search for the most suitable mortgage. Her work is completely focused on mortgages with no distractions so her expertise is second to none.
Louisa loves to dance and has won competitions, although you will never hear her boast about it.
Qualification: Certificate in Mortgage Advice and Practice (CeMap)
Matthew has worked in the financial services industry since 1997. He has been advising clients in all aspects of their finances, qualifying as a Financial Adviser in 2001 and achieving a diploma in financial services in 2012. He gets a lot of enjoyment from helping people to achieve their financial goals.
Having worked most of his career in the banking sector Matthew joined Radcliffe & Newlands in June 2015 because he felt he could betters serve clients through being part of a firm that offered clients independent advice and a much broader proposition than most banks now offer.
Matthew believes in building relationships based on trust with his clients and works hard to identify what is of greatest importance to them and their families. He is committed to using his extensive experience and knowledge to offer clients a truly informed choice and a protection plan which suits them throughout the different stages of their lives.
Qualifications: IFS Level 4 Diploma For Financial Advisors, CII Financial Planning Certificates 1, 2 and 3
Glen gained his BA (Hons) degree from Warwick University in English Literature and then worked for a number of years as Deputy Head of a Primary School before moving into the financial services industry. He has now worked in financial services for over 25 years, providing advice to private and corporate clients in areas such as retirement planning, utilising appropriate tax wrappers, inheritance tax planning, investing for income and growth, and providing long term financial security and wealth preservation plans for families.
Glen is a Fellow of the Personal Finance Society making him one of the most highly qualified top 5% of UK advisers. He is also a Chartered Financial Planner.
Glen believes that effective financial planning starts by understanding each client’s individual objectives and establishing an appropriate long term financial plan, taking into account life changes along the way. Glen works with a variety of clients ranging from young entrepreneurs to retired individuals and generally works with people who he has been recommended to by existing clients. He also works with corporate clients covering areas such as business protection, shareholder and partnership assurance, and group and occupational pension planning.
Qualification: Fellow of the Personal Finance Society (FPFS), Chartered Financial Planner, Chartered Insurance Institute Advanced Diploma in Financial Planning (AFPC), Advanced Pension Planning (AF3), Financial Planning Process (AF5), Taxation and Trusts (G10), Personal Investment Planning (G20), Pension Planning (G60), Chartered Insurance Institute Diploma in Financial Planning (Dip PFS), Diploma in Financial Planning, Taxation and Trusts (J01), Pension Funding Options (J04), Pension Income Options (J05), Investment principles, markets and environment (J06), Certificate in Mortgage Advice (MAQ), Savings and Investments (SV1), Chartered Insurance Institute Certificate in Financial Planning (Cert PFS, FPC 1,2 and 3), Certificate in Financial Planning and Lifetime Mortgage Activities including UK Financial Services Regulations and Ethics (CF1), Investment Principles & Risk (CF2), Financial Protection (CF3), Retirement Planning (CF4), Integrated Financial Planning (CF5), Mortgage Advice (CF6), Lifetime Mortgages (CF7), Pension Simplification (CF9), and Equity Release and Home Revision Plans (HR1).
Paul graduated from Queen Mary College London with a BSc Economics Degree. Thinking that it would lead him to a career in advising clients he then went on to become a trainee accountant which he soon discovered was not for him. Being a very practical person, he developed a career restoring antique and designer furniture both here and in Europe. He ran his own restoration services company for 10 years, the success of which provided the capital to allow him to return to the world of finance and economics. He became a financial adviser in 1986.
He has been a trusted adviser to his clients for a number of years and advises on all areas of financial planning. Paul feels that although he is competent in almost all aspects of financial planning for individuals and small businesses, he sees himself as a bit of a ‘financial GP’ in that having made a financial diagnosis, if he cannot put it right he will refer to either an in-house specialist or to a trusted external adviser to effect the appropriate remedy.
Married with 5 children, Paul’s pastimes and interests out of the office mostly involve sport, both watching and playing football, golf and fishing. Having three sons has seen him through necessity become a qualified cricket umpire and football referee – so a masochist as well as one who abides by the rules and principles. On top of all of these pastimes, he enjoys the freedom afforded to him by motorcycling whenever he can, especially as it affords him quality thinking time away from all distractions.
He is also a member of the Rotary Club of St Marylebone and has been greatly involved over the last few years in the club’s community and charity club, especially during his presidential year 2010-11.
Qualification: Advanced Financial Planning Certificate (AFPC), Taxation and Trusts (G10), Pensions (G60), Business Financial Planning (G30), Certificate in Mortgage Advice and Practice (CeMap), Lifetime Mortgages (CF7), Long Term Care (CF8), Investment Principles and Risk (R02), Pension Simplification (CF9), Certificate in Advanced Mortgage Advice (R07)
Peter now has 14 years experience in the industry, gaining great experience and knowledge in all areas of personal financial planning; these include protection (both personal and asset), retirement planning, investments, trusts and taxation.
Peter has a great deal of experience advising corporate clients in areas such as auto enrolment but also in providing individual advice to employees themselves.
Qualifications: Chartered Insurance Institute Financial Planning Certificate (Cert PFS), Taxation and Trusts (G10), Pensions Simplification (CF9), Savings and Investments (SV1), Pension Income Options (J05)
Rohan joined the industry back in 1987 and joined Radcliffe & Newlands in 2008. Rohan advises a select group of private clients as well as providing advice as an employee benefit for several firms.
Married since 1992, Rohan is the proud father of son Kristian, aged 11. He is a strong principled man, with a firm belief in good discipline, and teaching what is right and wrong, as Kristian will tell you!
His family is the most important thing in his life and his hobbies reflect that. He coaches an Under 12’s cricket team for the local village, and manages a rugby side too. Despite the sporting hobbies he often complains of having too little time left to actually do sports himself with the golf course being a favourite but infrequent destination.
Still, living 2 minutes from the New Forest and 5 minutes from the sea provides plenty of opportunity for exercise. Most early mornings Rohan can be found walking the family dog ‘Scooby’ in the New Forest.
A great believer in local communities, Rohan supports his local businesses, farms, and charities.
Qualifications: Chartered Insurance Institute Financial Planning Certificate (Cert PFS), Financial services, regulation and ethics (R01), Investment principles and risk (R02), Financial planning practice (R06).
Julian has spent 26 years in financial services working mainly in the investment, retirement and later life market. One of the few advisers accepted as a member of the Society of Later Life Advisers he spends much of his time planning retirement, making best use of invested capital, funding long term care and mitigating inheritance tax.
I am lucky enough to have worked with some of my clients for a number of years but unfortunately this means that we are not as young as we used to be. My interest in later life planning stems from personal experience after my Mother spent 14 years in care, my Father living with motor neurone disease and Father in Law living with dementia. Helping families through the care maze is hugely rewarding. Not just making sure the required support is there for the individual but taking the weight from the family or the Attorney.
Julian volunteers as a Dementia Champion looking to encourage others to make a positive difference to people living with dementia in their community. Out of the office he is a Bee Keeper and when not up to his neck in bees, presents to the public inspiring others to support one of our most important pollinators.
Qualifications: Accredited by the Society of Later Life Advisers (SOLLA) Diploma in Financial Planning, Financial Planning Certificate, Certificate in Life & Pensions, Award in Long Term Care Insurance, AF5 Financial Planning Process, G20 Personal Investment Planning, K10 Retirement Options, K20 Pension Investment Options. JO1 Personal Taxation, CF1 Financial Services Regulation & Ethics, CF4 Retirement Planning, CF5 Integrated Financial Planning, CF8 Long Term Care, ER1 Equity Release.
Starting as a financial adviser with the Pearl Assurance, Keith has enjoyed a successful career in the field for over 20 years. He was approached to join the Ecclesiastical Insurance and spent over 10 years working mainly with the clergy. His focus is on being a personal financial planner who helps clients from all walks of life with all aspects of their finances as their careers, personal lives and circumstances change. He believes it is essential to ensure that financial plans adapt accordingly as clients move along life’s journeys and is committed to making that happen.
Keith is also very knowledgeable in the area of savings, investments and pensions, but has been very active in inter-generational financial planning to reduce potential inheritance tax.
Keith lives in Worcester Park Surrey, although he was originally born in Canada.
He has a keen interest in swimming and sport and is a regular at his local gym as well as being a keen supporter of the national team in most sports. He also enjoys cooking (at weekends) going to the theatre, music concerts, reading, films and travelling, with past destinations including Vietnam and Thailand.
Qualifications: IFS level 4 Diploma for Financial Advisers (Dip FA), Financial Planning Certificate (FPC 1, 2 & 3)
Stephen is hugely passionate about the value of financial planning and the life changing difference it can make to his clients. He really enjoys helping people to get the best life possible with the money they have. Adopting a very different approach to a ‘traditional’ financial adviser, Stephen works with his clients to plan, create and maintain a lifestyle they love, providing them with confidence in their financial future and the time to focus on what’s most important in their lives.
Outside of work, Stephen loves spending time with his wife and two boys. He enjoys the odd round of golf, watching sports and seeking out new experiences when travelling the world.
Qualifications: BSc (Hons) Mathematics, Diploma for Financial Advisers (DipFA), Certificate in Long Term Care and Later Life Planning (CertLTCP), Certificate in Mortgage Advice and Practice (CeMAP), Certificate in Regulated Equity Release (CeRER).
Andrew has been an adviser for almost 20 years and a Certified Financial PlannerCM(CFPCM) since 2004. There are less than 1,000 CFPs in practice worldwide*. It is the only globally recognised qualification in Financial Planning and the only one which tests the ability to write a thorough and workable financial plan.
Andrew understands that the secret to good financial planning is to be sure about what is important to you first. What is it that you haven’t yet accomplished, or been or done that is profoundly important to you? How you would like to spend your time if you had the choice? By understanding these aspects first, we can be sure financial planning is done properly.
Andrew’s wide-ranging client list includes a number of barristers, business-owners and high net worth individuals. He has also developed numerous professional connections including accountants and solicitors specialising in Private Client and Family matters.
In his spare time Andrew enjoys keeping fit, target rifle shooting for his club and county, and socialising with friends, which includes many charity events. Andrew is also interested in football and supports Nottingham Forest FC.
* As at 27 July 2010
Qualifications: Certified Financial Planner (CFP), Associate of the Personal Finance Society (APFS), Advanced Financial Planning Certificate (AFPC), Taxation and Trusts (G10), Personal Investment Planning (G20), Pensions (G60), Savings and Investments (SV1), Group Risk (GR1)
An experienced planner, Mel has a background in economics including a BA (Hons) in Economics, an MSc in Business Economics which included a stint at the Norwegian School of Economics. In particular, Mel’s interest in meeting the needs of older people led to him being awarded the Later Life Adviser Accreditation by the Society of Later Life Advisers (SOLLA). He is also a Fellow of the Personal Finance Society which is the highest qualification awarded by the Chartered Insurance Institute (CII) and a further indication of Mel’s commitment to professional development. As the company spokesperson, Mel is often asked for comment by the national press on financial matters.
Whether it’s finding out how much money we will need just to get by or whether it’s something a little bit more luxurious, Mel enjoys adopting the financial planning approach before getting down to the nuts and bolts of financial advice.
As well as the practical issues, Mel has a significant technical capability especially in the area of retirement planning, whether it be building up, transferring or drawing down money for later life – from the tax efficiency of different investments such as pension schemes to the certainty provided by annuities in retirement and long term care.
He likes to tell it how it is rather than skirt the issue and this is evident in his regular contributions to the Radcliffe & Newlands blog. Mel can also be followed on Twitter (by clicking this link you are departing the regulated site of Radcliffe & Newlands. Neither Radcliffe & Newlands nor TenetConnect are responsible for the accuracy of the information contained within the non-regulated site.)
Out of the office, Mel enjoys keeping fit and attending major sporting events.
Qualifications: Accredited by the Society of Later Life Advisers (SOLLA), Fellow of the Personal Finance Society (FPFS), Associate of the Institute of Financial Planning (AIFP), Advanced Financial Planning Certificate (AFPC), Business Financial Planning (AF2), Financial Planning Process (AF5), Taxation and Trusts (G10), Personal Investment Planning (G20), Pensions (G60), Investment Portfolio Management (G70), Tax and Legal Aspects of Business (J03), Pension Funding Options (J04), Pension Income Options (J05), Long Term Care (CF8), Equity Release (ER1), Financial Services Regulation and Ethics (R01), Investment Principles & Risk (R02)
Having been in the industry since 2001, Emine has many years’ experience as an Independent Financial Planner. She had gained extensive knowledge in all areas of Personal Financial Planning, including investments, pensions, trusts and tax planning. She also has a background in Economics, including BA (Hons) in Economics.
Emine delivers a personal, caring and friendly service in what can be perceived as a complex area. By working closely with her clients and their loved ones, a bespoke financial plan can be put into place to give them peace of mind and put them in the best position to achieve their short, medium and long term financial objectives.
Emine works closely with her clients on a long-term basis, developing a close rapport and understanding of their financial circumstances to help improve their financial position, whilst trying to monitor changes in legislation and avoid any detrimental impact wherever possible. By working closely with a number of other specialists she is able to provide a comprehensive service.
Qualifications: Financial Services, Regulations & Ethics (CF1), Investment and risk (CF2), Retirement planning (CF4), Integrated Financial Planning (CF5), Financial Planning Certificate (FP1 & FP2), Financial protection (RO5), Certificate In Advanced Mortgage Advice (CF6), Financial services, Regulation & Ethics (RO1), Investment Principles and Risk (R02), Personal Taxation (R03), Pensions and Retirement Planning (RO4), Financial Planning Practice (R06), Personal Tax and Trust Planning (AF1), Pension Plannin (AF3), Investment Planning (AF4), Financial Planning Process (AF5).
BA (Hons) in Economics and Administrative Science
Sarah has over 20 years financial services experience, initially as a training expert and latterly as an adviser.
Sarah started her advisory career as a tied agent back in 1991 before training to become an independent financial adviser.
Sarah runs a private practice, but has extensive expertise in the corporate market. She advises on all aspects of financial planning, with particular specialisation in pensions. Sarah holds the Chartered Insurance Institute’s G60 AFPC, one of the most highly regarded pensions qualifications.
Sarah is committed to providing a highly personalised service specifically tailored to her clients’ discerning needs. She also believes that ongoing monitoring, review and close service are essential to working with her clients.
Sarah is married with two children.
Qualifications: Financial Planning Certificate (FP1-3), G60 AFPC
Henrietta has been an adviser since March 1988. During her years as an adviser she has gained vast experience with both private and corporate clients. She has a broad range of clients including many with backgrounds in TV, music and the arts.
Henrietta became an adviser because she enjoys looking after individual clients on a one-to-one basis. Her success has come from enjoying what she does and the quality of the service that she provides has meant that her clients come from professional connections and personal recommendation only.
Henrietta also enjoys corporate client work and has a lot of experience in SME Group Personal Pensions. She is able not just to assist the company but also to provide advice directly to all employees, ensuring that any staff benefits are properly understood and effectively used.
Qualifications: Chartered Insurance Institute Financial Planning Certificate (Cert PFS), Financial services, regulation and ethics (R01), Investment principles and risk (R02), Pensions and retirement planning (R04), Financial protection (R05), Financial planning practice (R06).
James has been advising private clients on their financial affairs for sixteen years. Being a Certified Financial Planner, a Chartered Financial Planner, a Fellow of the Personal Finance Society, and a Trust and Estate Practitioner easily puts him in the top five percent of the profession. In 2010 he was recognised as the ‘Inheritance Tax Financial Planner of the Year’ by Money Management Magazine (although he advises on a lot more than just inheritance tax planning).
Essentially he helps clients understand, take control and harness the potential of all aspects of their financial affairs in order to meet their needs and goals. The resulting financial strategy will be bespoke for each client. It will be holistic i.e. it will look at the overall financial provision and seek to meet all needs in the simplest and most efficient manner.
Having previously worked in a large accountancy firm, James left in order to provide a higher level of service to a smaller group of clients. His client base is predominantly comprised of time-poor professionals, business owners and the retired. He plans on restricting his client base to approximately one hundred and twenty families in order to ensure that he can continue to provide a highly personalised service. This personalised service is strengthened by his support team who play a key role in ensuring that clients needs are always met.
Qualifications: Chartered Financial Planner (CFP), Certified Financial Planner (CFP), Trust & Estate Practitioner (TEP), STEP diploma (Society of Trust & Estate Practitioners), CII advanced papers in the following: G10 Taxation & Trusts, G20 Personal Financial Management, G60 Pension Planning, G70 Investment Management, CF7 Long Term Care, CF8 Lifetime Mortgages
Scott has been an adviser since 1999. Initially a financial planner dealing in all aspects of finance, Scott later specialised in mortgages and is responsible for our mortgage department.
Scott is a big fan of property and helping people at all stages of their property journey. He takes great pleasure in anything from giving first time buyers guidance on how to get on the ladder to helping seasoned property investors to expand their portfolios.
Kevin has over 20 years experience in financial planning, advising individuals, families and SMEs on all manner of financial issues. He is a Chartered Financial Planner and holds advanced financial planning qualifications in savings and investments, pensions, taxation and trusts and business tax and law.
For businesses, Kevin specialises in: key person insurance and shareholder protection, directors’ pensions (SIPPs & SSASs), directors’ remuneration, employee benefits, tax structuring.
For individuals, Kevin provides advice on financial planning at all life stages, pensions, investments, life, critical illness and income insurance, trusts, tax planning, estate planning, pre and post retirement advice.
Qualifications: Taxation and Trusts (G10); Personal Investment Planning (G20); Business Financial Planning (AF2); Pension Planning (AF3); Financial Planning Process (AF5); Business Financial Planning, Business Law and Tax (J03), Pension Funding Options (J04), Pension Income Options (J05), Investment Principles, Markets & Environment (J06)
David emigrated from South Africa to the UK at the tender age of 14 and has been here ever since. Coming from an accountancy background, he started working in the Financial Services industry in July 1977 and still does a lot of work with firms of solicitors and accountancy practices.
David is primarily interested in people and has enjoyed looking after the financial needs of many of his clients for decades. Previously his work included pensions, investments, mortgages and more but in recent years he has begun to work with a team of other advisers, each with different fields of interest. He now concentrates on the mortgage and protection side of the business, including corporate work such as key person insurance and shareholder protection. This allows for great depth of knowledge in each area as well as more time spent with clients.
David had junior trials for Wimbledon but sadly didn’t make it. These days he is a keen golfer and much more likely to make the cut.
Qualifications: Chartered Insurance Institute Financial Planning Certificate (Cert PFS), Certificate in Mortgage Advice and Practice (CeMap).
An experienced Financial planner, Steve first qualified as a financial adviser back in 1997. He works as part of a team and advises individual clients in most areas of personal financial planning, specialising in pension and investment advice. There are 3 main types of clients he helps:
– Business owners, freelancers and contractors with families, looking at tax-efficient ways to both build wealth and provide financial security.
– Professionals who have accumulated several different pension pots and want an overall risk based, cost-effective strategy for managing these arrangements going forwards.
– People either approaching or at retirement, looking for clear guidance through an ever more complex area of financial planning.
Steve’s strengths include being honest, reliable, straight talking and able to explain potentially complicated issues in a clear way which his clients can understand. This has led to him building professional connections with several Accountants and Solicitors who regularly refer their clients to him.
Steve lives in Highgate with his partner Vicky and their Tibetan Terrier Rufus.
He has a keen interest in sport and regularly plays football and watches West Ham. He also enjoys going to music concerts, reading, films and adventure holidays.
Qualifications: Chartered Insurance Institute Diploma in Financial Planning (Dip PFS), Pension transfers (AF7), Investment & Risk (CF2), Investment principles, markets and environment (J06), Pensions and Retirement Planning (R04), Financial Protection (R05), Financial Planning Practice (R06) Financial Services, Regulations & Ethics (R01), Chartered Insurance Institute Certificate in Financial Planning (Cert PFS) and Financial Planning Certificate (FPC 1,2 & 3).