Independent Financial Adviser / Pensions Director
Phil is an independent financial adviser and leads the pension’s team. Phil is responsible for the financial planning advice to our private and corporate clients.
Supported by the Estate Capital team, Phil provides well researched and personally relevant guidance across the whole area of wealth management, investment advice, retirement and estate planning.
Phil is a specialist in the area of occupational pension scheme transfers and pension scheme drawdown.
Phil joined the Estate Capital team in 2015 taking up the position of Pensions Director. Prior to his current role he worked for major national insurance companies for twenty eight years. Most of his career has been spent advising advisers on the most suitable options for pension provision. It is his knowledge and experience of the pensions and insurance market that helps us deliver a first class service to our private and corporate clients.
Phil is responsible for our updates on pension legislation and taxation and contributes to our blog page.
Phil is currently studying towards the Chartered Insurance Institute (CII) Advanced Diploma in Investment Planning which he expects to complete this year.
In April 2015 the now well observed pension flexibilities were introduced.
HMRC have announced their new online service for pension scheme members to apply for Fixed and Individual Protection.
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The accumulation of property and assets.
All the money and assets owned by an individual.
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Wealth in the form of money or other assets owned by a person or organisation.
The employment of money in the production of greater wealth.
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Aiding the growth and accumulation of personal and family wealth and its transfer through the generations.