Having been a financial adviser for 30 years now, I can say that I am more of a Financial Life Coach, helping our clients create their Goal Based Financial Planning needs. Whether it’s me spending time working together with them, from planning to purchase their first home or re-mortgage when the deal ends or during their life building up wealth for milestone events, such as saving or investing for such things as education fees for the Children or Grandchildren, Retirement Planning, cashflow managing Income needs in retirement etc. This is critical to providing enough money to support their lifestyle during retirement and don't run out too early and as important, that they do not live a frugal lifestyle in fear of running out too early.

I also advise on the most tax efficient way now and for the future. Whatever the plan I help design it for them. Products such as ISA's, Unit Trust and Pensions which I specialise in advising on are just the means to them achieving their plan or goal, not forgetting regularly reviewing the plan along the way is very important and key to my process.

When you won’t find me with my clients or in the office working, you will find me out on the road trip with my wife Claire and little old dog Roxy in our Motorhome. I am a keen sports fan and take an interest in most sports, however not partaking these days, other than that, I am a top candidate for Breaking Dad, where I do take part in mountain Biking with my Two Sons Lewis and Brandon, who seem to think that I am the same age as them and have the same ability to jump off 20 feet jumps into the air and land perfect, which rarely happens. Lewis is also a Partner within IWM Wealth, while Brandon is an Aircraft Technician in the RAF. Family life is very important to me.

Your home may be repossessed if you don't not keep up repayments on your mortgage.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

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