How to contact us:

Tel: 01228 522258
Email: QPCAadvice@quilter.com

Quilter Private Client Advisers
FIFTEEN Rosehill
Montgomery Way
Rosehill Estate
Carlisle
Cumbria
CA1 2RW

Meet the team

Providing expert financial advice in the area for 20 years, starting in 1999 as Murray & Fuller, we have since incorporated other financial planning firms and been part of Quilter Private Client Advisers since 2017. With easy access from the M6 in the historic city of Carlisle, our office is perfectly situated to look after the North West and Scotland. Our dedicated team of experts are here to help you reach your financial goals.

Transferring out of a final salary pension is unlikely to be in the best interest of most people.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Michelle Ritson – Regional Financial Planning Director

Michelle Ritson – Regional Financial Planning Director

APFS

Michelle has over 30 years experience in the financial services industry, providing advice to individuals and business owners in all areas of financial planning.

Michelle is a Chartered Financial Planner for the Chartered Institute of Insurers, and specialises in providing holistic financial planning advice in all key areas of Business and Individual Protection, Retirement, Investment and Estate Planning.

She is passionate about providing good quality, transparent, trustworthy advice to meet each clients specific individual needs now and ongoing for the future.

Darren Service – Financial Planner

Darren Service – Financial Planner

DipPFS

Based in Edinburgh, Scotland.

With over 30 years in the financial services industry, Darren provides personal financial advice and prides himself on developing and building strong client relationships and making complex subjects easy to understand with the personal aim of understanding his clients and improving their financial wellbeing. Darren focusses on the following main areas: pre and post retirement, investment planning and inheritance tax mitigation.

Darren is diploma qualified and is continuing his professional development by working towards chartered status.

David Hartness - Financial Planner

David Hartness - Financial Planner

DipPFS

David has over 14 years’ experience of working in financial services including more recently working for a specialist award winning mutual providing advice for Medical Professionals. David has a wealth of knowledge and experience in dealing with high net worth clients including all aspects of financial planning including savings and investments, estate planning and retirement planning solutions.

David holds the Diploma in Financial Planning and is well on the way to becoming a Chartered Financial Planner. He also has a specialism in providing advice for long term care and Group Pensions. He enjoys building long term client relationships and being able to provide full holistic financial planning for his clients and their families.

Neil Winstanley - Chartered Financial Planner

Neil Winstanley - Chartered Financial Planner

FPFS

Neil is a Chartered Financial Planner, Certified Pensions Transfer Specialist, Fellow of the Personal Finance Society and Associate Member of the Society of Later Life Advisers, an organisation dedicated to higher standards and accessibility to regulated financial advice for older people and their families. With 15 years industry experience he is based in Edinburgh and joined Quilter Private Client Advisers to help the firm grow the business in Scotland following the acquisition of Prescient Financial Intelligence.

Neil specialises in building and developing strong relationships with clients, working carefully to identify key objectives and utilising the latest technology in order to construct effective, actionable financial plans. He prides himself on providing advice in an open, honest and friendly manner, helping to simplify what can sometimes be incredibly complex issues.

Oliver Smith – Financial Planner

Oliver Smith – Financial Planner

BSC Hons, DipFA

Oliver is originally from Carlisle. After graduating from Northumbria University, he joined the adviser network company, Quilter Financial Planning, for two years. Following this he joined Quilter Private Client Advisers in Chester where he qualified through the graduate scheme, gaining a Diploma in Financial Advice. Oliver prides himself on his ability to engage with people and build long-term relationships. He provides holistic financial advice, however his main area of expertise is working with private investors to meet their investment and retirement planning requirements.

Paul Bullough – Financial Planner

Paul Bullough – Financial Planner

DipPFS

Paul has spent over nine years meeting the financial needs of his clients, both previously in an independent capacity as an independent financial adviser and also as a senior financial planner with a large insurance company. He has a particular passion for building and maintaining lifelong financial strategies which will continue to suit his clients’ needs on an ongoing basis. In order to ensure the best possible levels of service, Paul is qualified across a range of financial disciplines and is continuing his professional development by working towards chartered status.

Paul Mullen – Financial Planner

Paul Mullen – Financial Planner

DipFA

Paul has over 25 years experience of working in financial services for some of the most recognised insurance providers and high street building societies. He has a wealth of knowledge in all aspects of financial planning such as wealth protection, inheritance tax planning, savings, investments and retirement planning. Paul enjoys building long term business relationships with his clients by providing a first class service using full holistic financial planning.

Philip Dhillon – Financial Planner

Philip Dhillon – Financial Planner

BA (Hons) FCA DipFA MLIBF

Philip is a Fellow of the Institute of Chartered Accountants and was a partner in Saint & Co, a local firm of Chartered Accountants, for over 26 years in their Financial Services Division before the division was acquired by Old Mutual Wealth Private Client Advisers (now Quilter Private Client Advisers) in June 2018.

In addition he holds the Diploma for Financial Advice and has over 26 years experience in the Financial Services Industry providing clients with holistic financial planning.

He is passionate about providing clients with the highest levels of ongoing service and his main areas of expertise are long term investment planning, retirement planning and inheritance tax mitigation planning.