People Finder
Jeremy Hoyland
Chief Executive Officer
About me
Following a degree in Economics and Politics from the University of Oxford and working as an interest rate swap and currency trader at Bankers’ Trust in New York and London I founded the business which evolved into HFMC, with my wife Jacqueline. Today I have over 30 years’ experience in the financial services sector.
I am responsible for the strategic vision and operational management of the Group. In 1992 I wrote: “I want to build the highest quality financial management business in this country. Espousing the principle of service in full, having identified their objectives, our clients will experience total care, objectivity and independence”.
Because I foresaw the industry transforming towards transparency and vertical integration, I instigated the development of the Group’s asset management proposition and focus on holistic fee based planning. We now provide wealth management and employee benefit services on a “holistic” basis to the high net worth market place.
As CEO I lead a team of more than 80 staff and partners whilst also working with an immediate client support team providing independent financial advice to some 80 high and ultra high net worth UK and Offshore families.
Outside of business I love to take out my historic racing car and my Porsche, and enjoy skiing, hiking and cycling with my wife and 3 adult children. I have 3 Finnish Lapphund dogs including a 6 month old puppy. I help manage my late father John Hoyland’s extensive artistic legacy. Jackie and I love young people and engage in a range of philanthropic and support activities related to them.
Phil Patient FPFS
Group Chief Operating Officer
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Cash Flow Planning | Retirement Planning | Holistic Planning | High Net Worth Private Clients |
About me
I am a highly experienced Chartered Financial Planning professional with over twenty years of industry experience. I joined HFMC Wealth as Chief Operating Officer in 2018 having previously been Head of Wealth Planning at both C. Hoare & Co., the UK’s oldest privately owned bank, and also Fleming Family & Partners (now Stonehage Fleming, the largest International Family Office in the EMEA region).
I am responsible for HFMC Wealth’s advice and service proposition as well as operational efficiency. I am a Fellow of the Personal Finance Society, a Chartered Financial Planner, and an assistant examiner for the Chartered Insurance Institute in the subject areas of holistic financial planning and pension transfers. I hold the specialist qualifications required to provide final salary pension transfer advice and long term care planning.
I look after a select group of clients and specialise in asset structuring, cash flow planning, pension transfers along with the technicalities of estate and succession planning.
I am married with two children, having met my wife overseas whilst living in Japan. I love great wine and fantastic food and enjoy watching rugby.
Marcus Carlton FPFS
Private Client Director
About me
I work in close partnership with my clients. Together we build a financial roadmap that expresses your financial goals in terms of the things that really matter to you, your most important goals and your deepest held values. It's a powerful process that gives you the space to think about how your life goals translate into financial priorities.
I think the most important thing is to listen. Most people are too busy trying to get their own message across and don't listen to what the client is saying. I tailor the level of detail that I provide to the preferences of each client. I won't bother them with the detail unless they want to know it. What I really enjoy is focusing on people's goals - the bigger picture. Rather than drowning clients in data and reports, I talk to them about how close they are to achieving their objectives, whether that is stopping work, buying a holiday home or helping their children with a start in life.
It's also important to help clients manage their often complicated financial worlds with multiple professional advisors. My team and I will work with these advisors - lawyers, accountants, investment managers - to help our clients simplify the network of their financial relationships. By asking the right questions and getting people to work together, we can free the client to concentrate on the things that really matter to them.
I am a Chartered Financial Planner and Fellow of the Personal Finance Society, and have the award in Long Term Care. Beyond work, I am a dad to university age daughters and a husband to my artist wife. I enjoy classic car road trips.
Ross Ibbotson
Executive Director
About me
I am lucky enough to have a small number of incredible clients who I enjoy helping particularly at important junctions in their lives. They are interesting and successful people who have helped me gain a broad understanding of the challenges they face and the ways they meet those challenges.
Primarily my clients are professional investors and their families, interesting people that I like to spend time with. It's a vast range from investment bankers and entrepreneurs to partners at the Big Four.
My clients value the fact that I look after their peers, understand their world and care about their trust. As far as I am able, I invest my own money alongside that of my clients, and I take pride in fighting hard on their behalves for the best solutions possible.
I’m often called when someone is facing a major life decision or upheaval such as leaving their job, sending a child to university or moving house. Sitting with a client trying to help them agree a package for a job or deciding how best to fund their child's education has given me an insight that is highly personal to each individual.
Being a sounding board and a sense check to help clients make truly life changing decisions is both a privilege and huge responsibility. I greatly value the trust that my clients place in me, and I aim to repay that by offering truly independent advice that is innovative and absolutely focused on each client's personal objectives.
Lee Paris
Non-Executive Director
Emma Irwin
Director of People & Culture
Associate member of the CIPD (Assoc CIPD)
Mark Waller FPFS
Legal & Compliance Director
Bachelor of Law (LLB Hons)
Fellow of the Personal Finance Society (FPFS)
IMC - Investment Management Certificate
CeMAP - Certificate for Mortgage Advice and Practice
Lisa Hessey
Head of Wealth Planning
Fellow of the Personal Finance Society (FPFS)
Chartered Financial Planner
Stephen Dunn
Group Finance Director
Advanced Diploma in Management Accounting
David Andrews FPFS
Head of International Private Clients
About me
My team and I provide a small number of domestic and international private clients and families with a holistic wealth management service, combining planning, investment management, tax mitigation and the coordination of the family or individual’s other professional advisers. We specialise in advising UK nationals living abroad as well as non-domiciled individuals living here in the UK. Unlike many advisory firms, this includes clients who have US tax filing obligations.
I have a predominance of clients from the investment banking community, along with others from a variety of backgrounds and the common feature of most is that they are busy people, seeking to protect their wealth so to provide sufficient liquidity during their lifetimes and to pass wealth on effectively and tax-efficiently.
The breadth of the service and its greater emphasis on quality than on price distinguishes us from our competitors. In each case, the relationship my team and I have with our clients is focused on protecting the family’s wealth, reducing complexity and freeing up their time so they can concentrate on what really matters to them.
Our clients have very high expectations and so we concentrate on making sure all aspects of the service we provide are as good as they can possibly be. No one aspect is more important than any other.
Madelaine Bacon
Operations Director
About me
Madelaine has over 16 years’ experience in the Financial Services Industry covering advisory as well as operational management functions. She has the full FPC and CeMAP qualifications and has extensive people and resource management experience having worked for a number of large financial organisations.
Madelaine is responsible for maintaining our high standards of communication and client experience as well as all administration and operational matters.
Paul Addison
Private Client Director
About me
Through a very personal and tailored approach, I help my clients fulfill their financial aspirations in regard to their own needs and the needs of their family. I have client relationships going back over 20 years. Building these relationships on trust and integrity makes my work extremely rewarding and fulfilling.
I am supported by a very efficient and highly trained team who provide administrative and technical support. This support enables me to concentrate on providing a very personal and face to face service to my clients.
I work with private clients and their families, providing investment advice in relation to their investment, pension and family trust portfolios. I also advise on tax mitigation and estate planning.
I meet with clients regularly to review progress. My clients benefit from financial plans that are tailored entirely to their particular requirements. Assisted by our in-house investment team, I provide investment management for clients’ general investment portfolios, family trusts and pension funds in both onshore and offshore jurisdictions.
Tax efficiency and tax planning are an integral part of our service. In addition, using sophisticated financial modeling software, I am able to provide “lifetime cash flow analysis” for my clients helping them plan for the future with confidence.
Sylvia Munn
Group Admin & Data Manager
Certified CII (FS)
Stephanie Whiting
IT & Marketing Manager
Leon Blake
Private Client Adviser
About me
I have been a private client adviser for more than a decade, and have been with HFMC Wealth since 2009. I work with private clients and owners of small and medium- sized enterprises, helping them to reach their lifestyle and financial goals using carefully considered planning.
I tend to work with clients with complex financial planning needs and the level of income or investable assets that require a particular expertise. I typically work with professionals, such as for example solicitors, both current and retired. Clients at all stages of life can gain from working with me.
Achieving structural and tax efficiency is always a key consideration as are the individual circumstances and needs of every client I advise. I enjoy helping people plan for their immediate and future lifestyle goals, and building close relationships with my clients so I remain part of that ongoing journey is very important to me.
I don’t want to be a solely a transactional adviser - it's about the bigger picture of helping clients achieve their goals rather than how many products I can name in a Risk meeting.
I strongly believe that focusing on clients' needs is more important than focusing on products. Investment or savings products are not particularly interesting in themselves, but what they can allow an individual or a family to do with their lives is very interesting and far more rewarding, so that is my main concern.
Tess Carr
Technical Consultant
Paul Short – Chartered FCSI
Private Client Director
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Cash Flow Planning | Retirement Planning | Holistic Planning | High Net Worth Private Clients |
About me
Paul Short joined Nat West Bank straight from school and gained an early insight into banking and finance. He took external, specialist qualifications in order that he might start to deliver, predominantly, retirement and estate planning solutions to high net worth individuals.
In the mid 90’s he moved “in group” to Coutts where he refined that specialist and heavily regulated knowledge to advise Barristers, Solicitors and Judges.
This was almost entirely on an independent advice basis - selecting the most appropriate solution from the most appropriate provider.
After 40 years in what became The RBS Group he joined Deutsche Bank in 2018, retaining many clients he’d advised for 20-30 years. The investment expertise was attractive but he always knew that the delivery of completely impartial advice was when he served his clients best. He joined HFMC Wealth to return to that position.
Away from work, he enjoys travelling, history, football and most importantly, spending time with family and old friends.
Mark Creed
Senior Financial Planner
About me - MCSI, CertPFS (DM), APFS, Chartered Financial Planner
Mark has been advising clients with us since 2010 and has been providing comprehensive financial planning to wealthy individuals and families for over 15 years. Mark is a Business Management graduate, a qualified mortgage adviser and holds Chartered Financial Planner status – the gold standard in financial advice.
Mark has worked at a large national firm along with boutique wealth management firms and has advised a wide range of clients at different stages of life. Mark spends time away from work with his family and when time allows playing football.
Philip Chandler
Technical Planner
About me - FPFS, Chartered Financial Planner, APP, CFP, Chartered MCSI
Philip has worked in financial services for over 20 years. He cycles 6 miles to work everyday weather permitting. Philip provides the technical expertise and knowledge that underpins the advice that we provide. He is a Fellow of the Personal Finance Society, the highest level of qualification and status awarded by the leading financial services professional body. He has also gained Chartered Financial Planner status, he is a Chartered member of the Chartered Institute for Securities and Investments and has achieved Certified Financial Planner and Accredited Paraplanner status. In addition he has gained the Certificate for Financial Services from the Society of Trust and Estate Practitioners (STEP).
Philip is a music graduate who served in the Central Band of the Royal Air Force prior to joining the financial services profession. He maintains his musical interests, playing the double-bass with some of London’s finest non-professional orchestras.
Edward Wilby FPFS
Private Client Advisor
About me - FPFS, Chartered Financial Planner
I have been working in financial planning since 2011, after an earlier career in investment banking, and joined HFMC Wealth in August 2020. What I enjoy most about my role is the opportunity to contribute to clients’ future aspirations, working alongside them and developing financial plans that provide the freedom for them to enjoy their lives.
My clients are a diverse group, from young professionals with disposable income who are planning for their futures, to those who have achieved success and are now looking for guidance managing their wealth for retirement.
Over the years I have built up close relationships with many clients. I enjoy sharing in significant milestones in their lives. Taking the time to really get to know my clients and understand what matters most to them means that they see me as someone they can trust and who is genuinely interested in them and their financial objectives.
My aim is to help people understand the implications of the financial decisions they are making and provide guidance that will help them to achieve their most important goals. If they go away from a meeting with me feeling energised and confident that gives me a deep sense of satisfaction.
I'm a Chartered Financial Planner and a Fellow of the Personal Finance Society. Outside of work I enjoy playing and watching sport and serving as a patron to various art institutions. Weekends are dedicated to spending time with my young family.
Philip Kingscott
Private Client Director
Clare Ferrin
Senior Technical Consultant
BA (Hons) Theology
Fellow of the Personal Finance Society (FPFS)
Chartered Financial Planner
Gina Garman-Jarratt
Senior Private Client Adviser (International)
About me
I joined HFMC Wealth in 2013, having previously worked in wealth management and private banking roles. For the last 18 years I have specialised in advising people who are non-domiciled living either in the UK or overseas; people from the UK who live abroad; and US citizens (who need specific knowledge and expertise).
I'm genuinely interested in people, their lives and what brings them to me to seek advice. I like learning about what is important to them and together we build a framework to manage their wealth over their lifetime and, if appropriate, implement a plan to ensure that the next generation can benefit from it.
Many of my clients have followed me to HFMC Wealth and I value their loyalty and the trust they place in my advice. My new clients tend to be referred to me from existing clients or by professional connections, such as international tax lawyers with whom I work closely on often complex scenarios to achieve tax efficient, long term solutions which can travel seamlessly with the clients as they move across the globe.
I always have my clients' interests at heart and do my absolute best for them. I care that the advice that I provide means something significant to them, and that my clients trust the knowledge and experience I have in this extremely interesting and often complex area of financial planning.
James Geard
Private Client Director
About me
As a financial planner for over thirty years, I believe my role is to inspire people to be all they are capable of being by helping them to build the necessary financial foundations.
I am committed to going the extra mile for my clients, getting to know them personally and taking the time to find out what really matters to them. That's why many of my clients have been with me for over twenty years and recommend me to others. My clients benefit from high quality, bespoke financial solutions built on a core of integrity, commitment and service.
My team and I work with clients to help them develop strategic financial plans that enable them to achieve their life goals and realise their dreams. Each solution we offer is tailor-made to the client’s personal and financial objectives. We often work with multiple generations of the same family, meaning that our relationship is both broad and deep but always focused on the family as a whole.
My clients benefit from a comprehensive, personalised wealth management service, completely tailored to their particular requirements. This can include anything from investment advice, estate and retirement planning to risk management and lifetime cash flow modeling.
Some clients come to me for help with planning a particular aspect of their future expenditure such as education funding, others want someone to help them build a strategic overview of all aspects of their financial lives. That’s why our financial plans are individually tailored to meet the needs of each person.
Sebastian Gladwish
Senior Private Client Adviser
About me
I am a Senior Private Client Adviser and joined HFMC Wealth in 2019 after starting my career as a Personal Banker. My passion is helping clients achieve their goals and aspirations and I was very keen to do so in a holistic financial planning environment. So, I made the easy decision to join HFMC, a fully independent firm of Chartered Financial Planners.
My clients are diverse and range from young professionals, to those looking to manage their wealth for retirement. There are also those clients who have experienced various life events, such as divorce or a death in the family, which of course can be overwhelming for the individuals and significantly affect their financial plans.
As Financial Planners rather than typical advisers, our aim is to deliver solutions tailored to individual clients' needs and objectives. Lifelong cash-flow planning is at the heart of the advice I provide to my clients. As part of the planning process I look to consider the impact of different scenarios, for example, how does life look after the event of your divorce? Or how do things look if you were to retire in 10 years’ time?
Outside of work, I am kept busy with my two young children who enjoy gymnastics and bedtime stories. I try to get out on my motorcycle as much as I can in my spare time (including the odd track day!) as I am passionate about engines. I also love to travel and always try to ensure my next trip booked.
Clare Hale
Technical Consultant
BA (Hons) - American History with Politics
Diploma in Financial Planning (DipPFS)
Heather Hartley
Financial Controller
CIMA Diploma in Management Accounting
Passes in:
Financial Accounting
Financial Analysis
Organisational Management
Information Systems
Luis Amato APFS
Private Client Adviser
After spending 9 years at a trading company from the early age of 16, I decided to move into the world of financial planning. This was a natural move for me as I’ve always had an interest in the investment world and having invested from an early age myself, I have seen the impact this can have.
I joined HFMC in 2022 after achieving my Chartered Status and was instantly blown away with the culture and attitude of the company. Putting clients first has always been at the very top of how I feel a financial planning company should be run and this is certainly what I found straight away at HFMC Wealth.
Outside of work, I live in Essex with my Fiancé and love playing golf whenever I possibly can. I am currently working my handicap towards single figures, although this is proving tricky…!!
Exercise is also a big part of my life and something which I’ve found helps me maintain a clear mind when helping many of my clients.
Louise Shepherd APFS
Senior Private Client Adviser
After graduating from the University of Exeter with a Mathematics and Economics degree, I joined the Financial Services industry in 2011 as I was passionate about helping individuals make the best decisions about their finances.
I began my career at a boutique Independent Financial Planning firm and moved through the various support and paraplanner roles as my studies progressed to a Chartered Financial Planner in 2017. I joined HFMC Wealth as a Senior Private Client Adviser in 2022.
Away from the office, I like to keep active and enjoy snow skiing in the winter and water-skiing in the summer along with swimming, cycling, and running.
I also enjoy spending time with my family and friends and travelling.
Tom Hopson FPFS, MCSI
Private Client Adviser
About me
I help ease the burden of managing my client’s financial affairs so they can spend more time focusing on what is important to them.
It is critical not only to understand where my clients are currently within their lives but also what has brought them to where they are now and what they are looking to pursue in the future. It is only within this context that we can make meaningful decisions around their wealth to provide them with the most value.
My client relationships typically involve a mixture of delegation and collaboration. Some decisions cannot be made on financial merit alone and need to take account of the emotional drivers. In situations like this, I help provide as much information as possible so that you can make an informed decision about your future.
Typically the clients that I work with are senior within their respective fields or run their own companies. However, most importantly, as our relationship will span many years, we need to ensure that we are a good fit for each other.
If you would like to find out how I can help ease the burden of managing your financial affairs, please get in contact for a no-obligation consultation.
Outside of work my interests include cars/driving; swimming; spending time with my friends and family; going to the cinema and cooking.
He’s been recognised as number 21 in the New Model Adviser Top 35 Next Generation Adviser list, which recognises the best financial advisers in the UK under the age of 35. (which is a phenomenal achievement, and fantastic and well deserved recognition of Tom's excellent client skills and exemplary technical knowledge)
They say “Hopson is one of the youngest advisers in the cohort, beating off competition from peers and external applicants, many of them more experienced, to become lead adviser at London-based HRMC Wealth. He provides financial life planning services to 60 clients he inherited from a retiring adviser. He collaborates with management on areas ranging from best advice practices to client-facing technology upgrades and back-office system processes.”
More here: New Model Adviser - Top 35 next generation adviser list
More here: 26-year old chartered planner: skipping university
Phil Jelly
Private Client Director
About Me
I have worked at HFMC Wealth since 2007 and moved into the
role of a Private Client Director in 2012. I love meeting
people and taking the time to understand what is most
important to them and to their families.
Understanding this helps me to develop a strategic
plan for them, which removes their anxieties, allowing
them to spend more time enjoying their lives. Their
plans are reviewed year on year to reflect any changes
in their lives, or a shift in their personal goals, ensuring
they remain on track to achieve everything they desire.
Helping to simplify client's financial lives and allowing
them to lead the life they want to lead without any
stress or anxiety, provides me with the greatest
satisfaction.
Likewise, being the person to whom my clients turn
for advice and financial planning is one of the most
rewarding aspects of my job.
Beyond work I love to travel the world with my wife,
exploring different cultures and scenarios. I also have a
passion for running. Marathons have been my biggest
challenge to date and I have taken part in races
throughout the UK and many countries around the
world.
Steve Jerome
Private Client Director
About me
I provide a long-term, holistic financial planning service to my clients. This focuses on them and their objectives for the rest of their lives. As a consequence, my service is not for those seeking a product-orientated or ‘transactional’ relationship.
I enjoy taking the time to get to know someone, to really understand them, their aims and objectives before we start talking about what solutions might be appropriate. It’s because of this approach that my clients trust me and have stayed with me for many years.
It’s very much a collaborative effort. I work together in partnership with my clients and the relationship works best when the client is prepared to really engage with the financial planning process together with me.
Using sophisticated lifetime cash flow modeling software, I provide a tailored financial planning service to individuals. This includes wealth creation, at or in retirement planning, estate preservation and catering for unexpected events, by way of appropriate contingency planning.
Beyond work, I enjoy walking my dog, exploring West Sussex and spending time with my children and grandson.
Paul Jones
Private Client Director
About me
I have spent more than 25 years in the private wealth arena and have been at HFMC since 2013. My small, high-calibre team and I work both with families with generational wealth as well as with individual clients who are looking for bespoke financial plans.
My team and I pride ourselves on being friendly and approachable. We offer strategies to help our clients achieve their financial goals, and present these to them in straightforward terms. Our aim is to simplify a sometimes complex set of financial relationships, often working with fellow professional advisers; lawyers, accountants, discretionary fund managers and private bankers.
Our offering can be as hands on or as ‘light touch’ as is required – we tailor your financial plan to help you to achieve your financial goals.
Most of my clients are long-standing, and recommend both me and the broader HFMC offering to others.
Providing clients with the best financial solutions for their individual circumstances leads to referrals, which is one of the most motivational aspects of our work and proves that we’re definitely doing something right.
Beyond work, I enjoy travel with my family, walking my dog, keeping chickens and collecting Aboriginal art.
Simon Kelly FPFS
Private Client Director
About me
I’ve been a Financial Adviser since 2000 and attained the Chartered Financial Planner status many years ago through a wide range of professional exams. I am a Fellow of the Personal Finance Society and hold specialist permissions in Pension Transfers, Long Term Care and the Investment Management Certificate.
I focus on holistic advice to high net worth individuals and helping you to reach your lifetime goals; by encouraging engagement and through implementing sound achievable financial plans that best make use of the tax and investment avenues available to you.
Beyond work I tend to spend much of my free time keeping my young son entertained. I adore cooking and experimenting with new recipes and for my sins love following American Football having played at University…and books are a passion (real ones that is, not digital ones!).
Jason Lines
Director Corporate Pensions and Employee Benefits
About me
I joined HFMC in 2001, heading up the employee benefits division. With over 20 years experience in advising SME corporate clients, my ethos is to help build a successful and market competitive employee benefits strategy by working closely in partnership with each client.
This is achieved through a combination of effective communication and good governance, aligned with a very personal service-driven approach. I enjoy working with employers who are passionate about engaging employees in their pension and core benefits schemes.
The employee benefits team and I offer our clients integrity, professionalism and years of experience. The service we provide is very personal andhands on, with a focus on simplifying what can often be a jargon-heavy industry through clear communication, whether that's in one-to-one meetings or in corporate presentations.
With total pension scheme assets now well in-excess of £100 million and a considerable Group Risk book, we are able to negotiate competitive terms on behalf of our clients and deliver genuine value and a transparent service proposition.
Beyond work, my interests are eating, trying to keep fit and spending time with my family.
Caroline Maxwell FPFS
Senior Technical Adviser
BSc (Hons) Psychology
Fellow of the Personal Finance Society (FPFS)
Chartered Financial Planner
IFP - Principles of Financial Planning
IMC - Investment Management Certificate
Finlay Holland
Assistant Investment Manager
Emma Clarke Chartered MCSI, IMC
Investment Manager
About me
Emma joined HFMC Wealth in February 2021 as an Investment Manager and is responsible for researching funds for inclusion in the model portfolio ranges and portfolio construction. Previously, Emma was Head of Fund Research and Fund Manager at Beaufort Investment and has held senior roles at Mazars and Wellian where she was responsible for the fund selection and portfolio construction of model portfolios. Prior to this, Emma held various investment related roles at Ashcourt Rowan (now Tilney), Heartwood Wealth Management and Jupiter Asset Management). Emma has been the recipient of multiple industry awards including: PAM Top 40 Under 40 2019 and PAM Top 40 Under 40 2018, Investment Week Women in Investment Awards – Fund Analyst of the Year 2017 and We Are The City Rising Stars Awards – Investment Management 2017. Emma is a Chartered Member of the Chartered Institute for Securities and Investment, a member of the CFA UK Society and holds the Investment Management Certificate.
Mark Morris FPFS
Private Client Adviser
About me
I'm a Fellow of the Personal Finance Society and a Chartered Financial Planner through the Chartered Insurance Institute, and hold the award in Long Term Care. I have over twenty year's experience in financial services, the last three of which I've spent at HFMC. My typical clients are looking to build towards their retirement or, if already in retirement, looking to preserve their lifestyle and make their money work hard for them. Thus I specialise in investment planning, pre and post-retirement planning, inheritance tax planning and long term care.
The emphasis on long term support for clients means I take on all aspects of financial planning, often leading to building relationships with all members of the same family. My goal is to be regarded as a trusted adviser for people and their families.
I take a careful, considered view towards advising clients on their planning, with a strong analytical approach. I am mindful of the trust clients put in me and it is imperative to me that this trust is justified and maintained for the long term.
I think my clients appreciate my honesty and my candid approach, along with my attention to detail and the fact that I provide the best service I can, as well as my integrity and focus on looking after my clients over many years.
Beyond work I'm a retired cricketer, having shifted my focus to the easier pastures of the golf course. I also have a keen interest in history and archaeology.
Mike Powell
Training and Competence Manager
Diploma in Mortgage Advice and Practise (DipMAP)
Diploma in Financial Planning (DipPFS)
Mortgage Advice Qualification (MAQ)
CertCII (MP & ER)
Caroline Richmond FPFS
Senior Technical Consultant
About me
I have been working in financial planning since 2000 and at HFMC Wealth since 2014. I am a Senior Technical Consultant, Chartered Financial Planner and a Fellow of the Personal Finance Society and was a nominated finalist for the annual PFS industry ‘Paraplanner of the Year’ award in 2017.
Working alongside Marcus Carlton, I share his passion for helping people achieve those things most important to them. I love to get to know our clients on a deeper level, understand their values and really know what motivates and drives them.
Taking the time to discuss their goals, things which may require time and money to achieve, helps us to develop a lifetime strategic plan for them to follow. This plan is then regularly reviewed by us to ensure that any changes or preferences to a client's life are accommodated. This keeps them and their goals on track and beneficially provides peace of mind.
Giving a client time and space to concentrate on their lives, their family or their business, and allowing them the opportunity to have complete clarity and total confidence that their financial world is being looked after is the most rewarding part of my role.
Outside of work I am a lifelong squash player, playing at both county and club level.
Nick Rudd
Private Client Director
About me
Many of my clients have been with me for between ten and twenty years. I take a lot of pride, pleasure and satisfaction in working with them over the long term.
I specialise in advising company owners, both on their business and personal finances. In particular, I work with people who need help planning an effective exit strategy.
I bring to the table a good pair of ears and strong problem-solving abilities.
I work with lots of clients who run their own businesses. My role is to help them set up a road map for their finances, both inside and outside the business, and to help them understand how decisions they make within their business might affect their personal financial situation, and vice versa.
My aim is to help these clients build solid lifetime financial plans, taking into account both their personal financial goals and objectives as well as their business needs. This might include: -
- Protecting the business in the event of the death or illness of a Director
- Helping plan for retirement in as tax-efficient a way as possible
- Family protection and estate planning
- Investment advice
- Ensuring compliance with new legislation such as auto-enrolment
Marc Ruse
Private Client Director
About me
I have worked as an independent financial adviser for over 30 years, advising private clients and businesses on all aspects of their financial requirements. I’ve always taken a holistic approach to financial planning, rather than a purely product-based approach.
Financial planning isn’t just about choosing the right investment or picking the best pension plan. Instead, I focus on building long term relationships with my clients and their families so that together we can design and implement lifelong financial planning strategies that are appropriate for each generation.
Using market-leading and sophisticated cash-flow forecasting tools my team and I can provide clients with a window into their financial future with the aim of ensuring that they never run out of money.
One of the most satisfying aspects of the work I do is showing clients how having a plan in place can help them achieve their financial independence at the earliest opportunity.
Many of my clients have been with me for years, and think of me as a trusted friend rather than simply a professional adviser.
When I’m not working with clients I enjoy cycling and spending time with my family. I’m also an accomplished home-brewer (though not everyone agrees!).
James Scott
Private Client Director
About me
I've been working with HFMC Wealth since 2008 and have known many of the clients I advise for 10 years or longer. It’s been a great journey and very rewarding helping to clarify what matters most to each client and guiding them through the financial maze.
I believe a good adviser is someone able to listen and understand your needs, apply the correct knowhow in a personalised way and remain focused on your best interests and outcomes. The right advice at the right time has the power to be of great value.
My aim is to be positioned alongside our clients and filter out the financial noise, keep to what’s relevant and help determine the most suitable financial plan for you and your family.
Animesh Shrestha
Director of Tax
Fellow of the Association of Chartered Certified Accountants (ACCA)
Member of the Chartered Institute of Taxation
Charlotte Spencer-Smith
Benefits Administration Manager
BA (Hons) Dance and Culture
CF1 - UK Financial Services & Regulation Ethics
GR1 - Group Risk
Jessica Webb
Recruitment and People Officer
Marc Shackman
Senior Technical Consultant
James Taylor
Financial Products Manager
BA (Hons) Economic and Social History
Diploma in Financial Planning (DipPFS)
James Tuson FPFS
Chief Investment Officer ‑ FPFS, MCSI
About me
I have worked at HFMC Wealth since 2007 and have over twenty years experience in private client work. We’ve built an excellent team spirit in the investment team over the years, recognising that the harder and closer we work for each other, the greater the ultimate benefit received by our clients.
We are focused on delivering successful investment outcomes for HMFC clients that help drive the attainment of each individual’s financial goals and objectives. We don’t spend our time marketing ourselves to other firms in the hope of getting more money under management, preferring to spend our time where it matters most.
One of the most rewarding aspects of my job is in the challenge of taking world and market events and translating those in to a ‘world view’ that can be filtered in to a sensible investment portfolio for that point in time.
We won’t get everything right, but our track record suggests we get more right than wrong which tips the scales in our favour. Our common sense approach and easy-to- understand commentary is a feature of what we do.
We are a long established team with a strong reputation and solid track record over what has been, at times, a traumatic market to follow. I wear the success of surviving the bad times in markets with more pride than the euphoria of more ebullient times. I think our clients recognise us to be a safe pair of hands in managing their wealth.
Chris Wade
Technical Consultant
Diploma in Financial Planning (DipPFS)
Joshua Burkmar
Management Accountant
Liz Wilkens
Compliance Officer
Certificate in Financial Planning (CertPFS)
David Verney
Private Client Director
About me
Lifelong cash-flow planning is at the heart of the advice I provide to my clients. In essence, I help them plan so that they never have a fear of running out of money.
If I find they are likely to accumulate more and more wealth throughout their lifetime, I advise them on how to reduce the impact of inheritance tax and pass as much of this wealth as possible onto future generations.
Every client is unique and therefore the importance of understanding and including individual lifetime goals as part of their financial plan cannot be underestimated.
As part of the planning process I look to consider the impact of different scenarios, for example, what would be the effect of a future need for long-term care, with the associated costs, on the projected outcome?
I believe that this approach helps my clients make informed decisions regarding their financial futures, for example, whether they should make lifetime gifts to family or trust, or invest to grow their wealth, considering how much risk they might want, or need, to take to achieve their goals.
My aim is to deliver solutions tailored to individual clients' needs and objectives. This might include creating a tax efficient investment portfolio, or helping to put in place suitable trust arrangements. Thereafter, the client and I undertake regular reviews to ensure that they remain on track.
I tend not to focus on solutions at the outset but rather on clearly establishing what the client's goals are. I look to take the pressure off and give my clients the time and space they need to think about what they want, so their objectives are clearly defined and they understand the solutions put forward. Listening is a key part of ensuring clients' thoughts and views are considered and I believe my approach means they remain at ease throughout the process.
Outside of my working environment I enjoy relaxing with friends and family and especially spending time with my grandson.
