Carlisle office

FPFS, CII Chartered Fellow Associate

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.

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.

APFS

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 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.

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.

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.

DipFA

Freddie joined the financial services industry after graduating from Sheffield Hallam University with an Upper Second Class Honours degree in Business and Marketing. He subsequently attained his Level 4 Diploma for Financial Advisers through the Quilter Financial Adviser School and is currently working towards Chartered Financial Planner status.

Freddie enjoys building long-term relationships with his clients, creating bespoke financial plans to help them achieve their long-term financial goals and objectives.

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.

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.