My Specialisms:
• Holistic Financial Planning
• Retirement & Pension Planning
• Investment Strategy & Portfolio Management
• Cashflow Planning / Lifetime Modelling
• Estate & Inheritance Planning

My Qualifications
• Over 20 years’ experience gained across several independent financial planning firms
• CII Diploma in Financial Planning (DipPFS)
• Chartered Financial Planner
• Certified Financial Planner (CFP)
• MSc Finance

About me
When I’m not working with clients, I enjoy spending time with my family. I also hold a private pilot’s licence, and flying has become a rewarding way to combine learning, focus and a sense of adventure.

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I have worked with a wide variety of client situations helping them focus on understanding their objectives and motivations, leading to a financial plan that is suitable and tailored specifically for them.

I believe in a traditional approach built on a strong client adviser relationship to ensure clients stay on track and allow them to spend their time on the things that are important to them.

About me?

From a very young age my parents involved me in their financial affairs, and I developed a strong relationship with their advisor, who we now count as a close family friend. It was that clear, sensible advice from a long-term trusted relationship with my family that motivated me to join the financial services upon leaving university. I went on to hold various corporate and technical roles within both small and large financial institutions until I felt I had the experience and skill set to really add value to client outcomes in an adviser role.

I studied hard over the years to improve my knowledge for the benefit of the clients I work with to be able to provide them with the holistic advice their circumstances require. Joining HFMC Wealth was the natural next step to broaden the services and improve the outcomes clients deserve.

Outside of my work commitments, I have a young family of my own now and enjoy being involved with their schoolwork and extra-curricular activities. I am lucky to have a very supportive wife who allows me to spend my own down time cycling, swimming, and running, competing in the occasion triathlon.

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I have been working with clients from all over the UK for the last 22 years helping them on their property journey. Starting with first time buyers all the way through to lending in retirement and lifetime mortgages/equity release.

I have also had the opportunity to help property investors grow their property portfolios as well as corporate clients acquiring commercial premises and development projects.

The key driver to the success of the work we have carried out over the years is the meticulous planning for each and every finance requirement. Whether a first time buyer, or professional landlord, each and every transaction is planned to make the purchase journey as smooth as possible for all parties involved.

About me?

I am married to Ali and we have 2 lovely daughters together with a little Havanese dog.
Beyond work, I help run one of the local synagogues in organising events and ensuring the members feel welcome and connected to the community.

Keeping fit has always been part of my makeup and so you’ll find me at the gym each week staying focused and energised.

My specialisms

Residential Mortgages
Buy-To-Lets for individuals and companies.
Commercial, development and bridging finance
Equity release / Later life lending
Business / Shareholder/Keyman protection
Personal protection

My qualifications

Certificate in Equity Release
Financial Planning Certificate 1,2,3
Mortgage Advice Qualifications

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I believe in a very traditional form of service in my role as a financial adviser. That is providing holistic advice to those who are recommended to me. In many ways this is akin to providing a boutique service, in that all the guidance I give is very specific to the individual receiving the advice and their circumstances.

Typically my clients tend to be in their fifties or sixties and approaching retirement, looking to generate an income having retired, or wanting to consider Inheritance tax planning. In addition I often also look after my clients’ wider family.

About me

I joined HFMC Wealth in 2023, having previously been a director of Weston Cummins where I worked for over 25 years. Over the years I have studied hard to improve the quality of advice that I can provide and I am now a Fellow of the Personal Finance Society.

I get enormous satisfaction from helping my clients achieve their financial objectives, with many becoming long term friends.
Away from the office I love to travel, ski and generally keep fit. Reading and music have been lifelong passions.

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I joined HFMC in 2001, to help build an Employee Benefits division. This now forms a significant part of HFMC Wealth’s turnover. With over 30 years experience in advising corporate clients (focusing predominantly in the SME space), our ethos is to work closely in partnership with our clients to help them build a successful and market competitive employee benefits strategy.

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 the importance and merits of their workplace ir pension and core benefits schemes.

The employee benefits team’s mantra is to offer our clients integrity, professionalism, and years of experience. The service we provide is very personal and “hands 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 staff presentations.

How do we help?

Whatever the size or sector of your business, HFMC’s Employee Benefits (EB) department has been building bespoke employee benefit programmes for our corporate clients since 2000.

We will get to the core of your business objectives and find out what really matters to you and your staff. Through employee education, our team will ensure they fully understand the value of your employee benefits’ package. You will fulfil your statutory employer obligations while enlightening key members of staff in the process.

HFMC Wealth has additionally been recognised and awarded the coveted Corporate Chartered Financial Planner title for our commitment to excellence and professionalism.  This differentiates us from mainstream employee benefit consultancies. 

The division, which forms a substantial part of HFMC Group, manages pension schemes with total assets approaching £200M and represents around 4,500 employees. In addition, we have a substantial book of group risk. As a result, we are able to negotiate competitive terms with leading insurers.

About me?

Beyond work, my interests are food, tennis trying to keep fit and spending time with my family.

Further information about our Employee Benefits service

Visit http://www.hfmceb.com/

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I work in close partnership with my clients. I advise on clients from all walks of life including Medical, Media, Sports, Entertainment and Professionals who have very busy lives. Regardless of background all like to find a Trusted Adviser who can assist them with their planning to secure their Future Wellbeing.

About me?

I graduated in 1981 and joined a graduate programme in Financial Services. Following this in 1985 I established a directly authorised Financial Services business in conjunction with a Firm of West End accountants.

In 1988, having gained a wealth of experience with both individual and corporate clients I joined R & S Associates as a Partner.  During this time I continued to develop Professional Connections with Accountants and Solicitors, advising both individual and corporate clients.

I chose to ally R&S Associates with HFMC Wealth in 2023 so that I could provide a greater range of services to my high net worth clients, something that was difficult to do as a smaller firm.

Away from the office, I have a passion for music and in particular, Jazz. I also have a passion for climbing mountains and have done so for many years, although the mountains seems to get higher and harder as the years go on!

Other qualifications

• Fellow of Personal Finance Society (FPFS)

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I have worked in the financial services industry for over 10 years, providing bespoke financial planning and wealth management services to individuals and families from all different backgrounds.

I work in partnership with my clients to provide clarity and peace of mind, empowering them to be confident in their financial decisions both now and for the future.  

Taking the time to listen and understand my clients’ financial goals and lifetime ambitions allows me to construct a robust financial plan tailored exclusively to their needs.

About me?

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.

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I have been involved in Financial Services for 30 years. I help individuals, families and business make sound financial decisions to help achieve their goals. I work mainly with clients in the Southeast of England and I have a strong relation with Accountants and Solicitors where many of my client referrals emanate. My advice is provided in a fee basis with the first consultation carried out on a non-cost no obligation basis. I utilise the latest financial planning software to demonstrate the initial plan which is then reviewed regularly to ensure it remains on track.

About me?

Outside of work I enjoy most sports but other than golf I tend to be a taxi service for my children’s sporting activity.

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Financial planning continually evolves, as life progresses and as a result, I have a close partnership with my clients, to ensure they continually stay on track.

I work with clients from all walks of life, medical, pharmaceutical, arts and entertainment, retail and professionals. Most of whom have very busy lives, but they are looking for a safe pair of hands to provide them with financial planning, so they can achieve their personal goals.

About me?

Having started my career in financial services as a Cashier at NatWest, I had the privilege of learning very early on, that we are all unique in our own special ways.

I moved to HFMC Wealth in 2007 and on arrival, I continued to gain experience in providing financial advice to clients, by supporting two Partners of the company.

In 2013, I became an adviser, focusing primarily on private clients. Since then, I have become a Partner and shareholder in the company.

Beyond work, I love to travel the world with my wife, exploring different scenery and cultures. I also have a passion for cycling and running. Both sports have allowed me to take part in challenges around the UK and in many countries around the world. One challenge I have completed recently, is cycling round the North Coast 500 in Scotland.

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Having founded the HFMC Group in 1987 with a simple vision of providing comprehensive financial planning for individual families, I have since gained a wealth of experience dealing with both ultra-high and individual high net worth UK and Offshore families. Whilst most of my clients are UK resident, they often tend to be complex with multi-jurisdictional issues.

My clients will often be time poor due to the demands of their life and are looking for somebody that they can trust, and that they can confidently delegate to, giving them time back in the knowledge that their financial affairs will be well looked after. I seek to simplify the complex, where appropriate, so that financial affairs can be better managed and understood.

Having built relationships with many clients for decades I will often work with several generations of family to ensure that everyone experiences total care, objectivity and independence.

Alongside my team, we discuss clients’ goals, provide a thorough structured plan to achieve these goals and navigate the changes and challenges along the way, be this change of job role or country, transitioning from working life to financial independence, providing for children and the wider family, all with an overlay of being mindful of tax positions.

This allows clients to then focus on their life and what they enjoy, secure in the knowledge that their financial aspects are simplified, understood and work. It’s hugely rewarding for all involved.

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.

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 2 Finnish Lapphund which I love to walk. I help manage my late father John Hoyland’s extensive artistic legacy. Jackie and I love working with young people and engage in a range of philanthropic and support activities related to them.

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