Chartered Financial Planner

• Jun 2016 - Present

Examples of areas I advise on include;• Savings and investments advice. Whether orientated towards income, capital growth, or both.• Pension planning. Including guidance on accumulating pension savings cost-effectively. Plus, managing the withdrawal of funds in retirement in the most tax-efficient way.• Corporate risk management. Helping you plan to ensure the continuity of businesses in the event of the loss of key personnel. Making provisions for contingency funds to allow for the purchase of shares in the event of retirement or death.• Financial protection. A range of personal and family safety net measures, including life assurance, critical illness cover and income protection.• Estate planning. Including inheritance tax mitigation through use of trust structures, investment bonds and whole of life plans.• Group employee benefits. A range of employee benefits, including death in service, critical illness cover, sick pay arrangements and permanent health insurance.• Mortgage advice. Helping you find the right mortgage including first time buyer, re-mortgage, buy to let lending, equity release including lifetime mortgages, second charge and secured borrowing, bridging and short time finance.

Senior Personal Banking Manager

• Jan 2015 - Jun 2016

Financial Consultant

• Oct 2013 - Dec 2014

Advising my clients on their personal protection requirements through use of a suite of Scottish Widows products that included;✓ Life Cover✓ Critical Illness Cover✓ Income Protection✓ Whole of Life cover

Senior Personal Banking Manager

• Oct 2012 - Oct 2013

Personal Banking Manager

• Mar 2011 - Oct 2012

Personal Banker

• Jun 2010 - Mar 2011

Customer Service Assistant

• Aug 2009 - Jun 2010