Clear financial
advice, built
around your future
Based in Southport, I provide straightforward, independent financial advice to individuals and families across the Northwest and throughout the UK — helping you make confident decisions about retirement, tax and long-term wealth.
Specialist advice across the areas that matter most
Independent means I'm not tied to any provider. I search the whole market to find what's right for you.
Pensions & Retirement
Consolidate pensions, make the most of your annual pension allowance, and plan a tax-efficient income for the retirement you want.
Learn more →Tax & Investment Advice
Use your ISA allowance, pension contributions and capital gains exemptions strategically — keeping more of your money in your hands.
Learn more →Inheritance Tax Planning
With IHT at 40% above the nil-rate band — and pension funds potentially entering the estate — early planning is essential.
Learn more →Cashflow Analysis
See a clear, dynamic picture of your financial future — how long your money lasts and what happens if things change.
See how it works →Protection
Most families are underinsured. Life insurance, income protection and critical illness cover — assessed independently across the whole market.
Learn more →Estate Planning
Ensure your wealth passes to the people you care about, structured efficiently and in line with your wishes.
Learn more →Not sure where to start? A free 20-minute call costs nothing and gives you clarity.
Book a free callAdvice for specific situations
Some financial decisions carry more weight than others. These are the situations where independent, specialist advice makes the biggest difference.
Approaching retirement
The years immediately before retirement are when critical financial decisions need to be made. Pension consolidation, drawdown planning and tax-efficient structuring set the foundation for everything that follows.
Find out more →Passing on your wealth
With IHT at 40% above the nil-rate band — and upcoming changes to how pensions are taxed on death — planning how your estate passes to the next generation is increasingly important. Early action gives you more options.
Find out more →Long-term care planning
When a loved one needs care, it can be hard to know where to turn. As a qualified long-term care specialist, I can help you understand the costs, the options and how to plan for them.
Get in touch →Trust planning
Trusts can protect assets, manage tax exposure and ensure wealth reaches the right people in the right way. From discretionary trusts to bare trusts, I help families find the right structure for their circumstances.
Find out more →Families with vulnerable dependents
Planning for a family member with special needs demands a different approach — one that considers their future financial security, benefit entitlements and appropriate trust structures.
Get in touch →Receiving a financial windfall
An inheritance, compensation payment, redundancy settlement or business sale can change your financial picture significantly. Without a clear plan, the opportunity to make it work hard can quickly pass.
Get in touch →Going through a divorce
Pensions are often the largest financial asset in a divorce settlement — and frequently undervalued or overlooked. Specialist advice at the right point can significantly affect the outcome.
Find out more →From first conversation to a plan that keeps working
Three focused meetings to go from where you are now to clear, actionable recommendations — then ongoing support to keep your plan on track as life changes.
Initial discussion
A free conversation — typically 20 minutes. I want to understand where you are now, what you're trying to achieve, and how I might be able to help. No paperwork, no pressure. You leave with a clear idea of whether I'm the right fit.
Building the plan
Once you decide to go ahead, we get into the detail together — your full financial picture, your risk profile and preferences. I use this to research your options thoroughly and build a plan specific to your situation.
Your recommendations
I present a clear written report with specific recommendations and the reasoning behind each one. We go through it together. If you're happy, we complete the paperwork and get things moving.
What clients say
"I would recommend him to others with total, 100%, confidence."
"We were unhappy with our previous adviser. After meeting with John, we felt he was a more capable pair of hands."
"My wife sadly passed away, and I wanted to set a trust fund for my stepdaughter. John found a solution that exactly fit my requirements."
Ready to make your money work harder?
Every tax year, pension and ISA allowances reset — and unused allowances are lost forever. Book a free 20-minute call to make sure you're not leaving money on the table.