Financial advice - Investments

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Stephen is the Managing Director of the business and its associated businesses, bringing extensive leadership and expertise to the financial planning profession. With over 30 years of experience in financial planning, he is one of the most highly qualified advisers in the UK.

Stephen was elected as a Fellow of the Chartered Insurance Institute in 2010 and is a Registered Trust and Estate Practitioner (TEP). His deep knowledge in this area enhances his ability to advise clients on complex estate and succession planning matters.

Since 1999, Stephen has specialised in advising private clients and family businesses on post-retirement financial planning, including inheritance tax mitigation strategies. His expertise in this field has earned him multiple national awards through the prestigious Financial Planner of the Year Awards, organised by Money Management, a Financial Times specialist publication.

While Stephen’s technical knowledge is unparalleled, it is his approachable manner and ability to translate complex financial solutions into clear, practical advice that truly sets him apart. His ability to simplify intricate planning strategies ensures that clients feel confident and empowered in their financial decisions.

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After 2 decades of experience in financial planning, Tracy is one of the highest qualified financial planners in the UK having attained both Chartered and Certified Status. Tracy is a Fellow of the Personal Finance Society which is evidence that she has attained the most prestigious level of professional achievement. In addition, Tracy is a Registered Trust and Estate Practitioner (TEP) having passed the Society of Trust and Estate Practitioners (STEP) Diploma in Trust & Estates and the Advanced Certificate in Family Business Advising.

Tracy has been providing advice to private clients and business across investments, pensions, taxation and estate planning since 2007 and believes her friendliness and ability at making complicated solutions easy to understand makes her a popular and successful adviser. Tracy is a Welsh speaker and able to offer a bilingual service.

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David is a highly qualified and experienced financial planner, holding Chartered status and the Advanced Diploma from the Chartered Insurance Institute. This reflects his deep technical knowledge, commitment to professional excellence, and dedication to delivering the highest standards of financial advice.

He works closely with private clients and business owners, offering tailored solutions in investments, pensions, and protection, with a particular specialism in corporate pensions. His client-focused approach ensures that financial plans align with long-term goals, providing clarity and confidence in an ever-changing financial landscape.

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Antonia achieved Chartered Financial Planner status in 2024 after successfully completing the rigorous Advanced Diploma in Financial Planning via the Chartered Insurance Institute. Chartered status is a symbol of technical competence and signifies a public commitment to professional standards.

Having gained extensive experience in a wide range of financial matters over her career, which started with 75point3 in 2007, Antonia now offers investment and pension advice to private clients, trusts and attorneys, either directly or via professional connections.

Antonia prides herself on offering a friendly, approachable service which allows her to work closely with clients, their families and other advisers to develop and implement effective retirement planning, investment strategies, protection analysis and inheritance tax planning.

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Kim holds Chartered status and is working towards becoming a Fellow of the Personal Finance Society. She has undertaken numerous industry roles, including paraplanning, advising, and training and competence, and has developed considerable expertise across a wide range of roles.

As a Company Director, Kim oversees all aspects of compliance, training and competency for our business. She is also focused on expanding her knowledge further into management and compliance to support the firm's continued growth and regulatory excellence.

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Emma’s skills and professionalism were recognised early in her career when she was voted Newly Qualified Independent Financial Adviser of the Year at the Financial Adviser Life and Pensions awards in 2010. Since then, she has gone from strength to strength, attaining Chartered status in 2014 and being elected a Fellow of the Personal Finance Society, highlighting her technical knowledge and commitment to professional development. She was also recently awarded the prestigious Chartered Financial Planner of the Year Award 2023/24 by the Personal Finance Society.

Emma specialises in providing advice to private clients and businesses across investments, pensions and protection, and she particularly enjoys using cashflow modelling to complete her holistic approach to financial planning.

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During his many years in financial services, Rory has been awarded Chartered status – one of the highest exam-based qualifications for financial advisers in the UK – and attained a Distinction grade in the G20 Personal Financial Planning examination. He has been advising private clients on investment and retirement issues, including inheritance tax planning, since 1991.

Rory has been elected a Fellow of the Personal Finance Society – evidence of his technical knowledge and commitment to professional development. He has also been awarded the Certificate for Financial Services (Trusts and Estate Planning) from the world-renowned Society of Trust and Estate Practitioners.

Rory works closely with all his clients, helping to plan and organise their finances, and bringing them the reassurance of knowing that their financial lives are in good shape.