Meet the Team

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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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Mark has been a dedicated professional in the financial services industry since 1998, specializing in mortgage advisory services. With advanced qualifications in mortgage planning, he is well-equipped to guide clients through all aspects of mortgage solutions, including home purchases, remortgages, buy-to-let investments, commercial mortgages, and debt consolidation.

In addition to his expertise in traditional mortgage products, Mark is also qualified to advise clients in later life on equity release mortgages and home reversion plans, helping them unlock value from their homes with confidence and security.

By leveraging access to the entire mortgage marketplace, Mark provides truly independent advice, ensuring clients receive tailored recommendations and the most competitive deals available.

Beyond his advisory role, Mark also serves as the company's Compliance Officer, ensuring regulatory adherence and maintaining the highest professional standards.

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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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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.

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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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Thomas is a highly qualified Paraplanner with Chartered Financial Planner status – one of the most prestigious accolades in the financial advice profession. With over 10 years of experience in the financial services industry, he brings a wealth of knowledge and insight to his role. Thomas supports clients by working closely with the Advisory team to build robust, tailored strategies that align with their personal goals and circumstances. His analytical skills and meticulous attention to detail ensure every recommendation is grounded in thorough research, sound reasoning, and up-to-date financial insights.

Beyond his technical expertise, Thomas holds key managerial responsibilities within 75point3, where he helps lead and develop the paraplanning team. He also contributes to the firm’s broader strategic direction through his involvement in various internal committees, including the Investment Committee. In this role, Thomas plays a vital part in shaping and reviewing the firm’s investment approach, ensuring it remains aligned with market trends, client objectives, and regulatory expectations. Whether clients are planning for retirement, investing for the future, or seeking to protect their wealth, they can be confident that Thomas’s experience, expertise, and leadership are central to the advice they receive.

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Martyn has been a valued member of the 75point3 team since 2011, bringing over a decade of experience and expertise to his clients. Throughout his career, he has held several key roles within the company, including Paraplanner, Mortgage Adviser, and Specialist Protection Adviser. These positions have equipped Martyn with a comprehensive understanding of financial planning across various disciplines.

Martyn holds a Diploma in Financial Advice and is actively working towards achieving Chartered status, demonstrating his commitment to professional development and excellence. He provides tailored financial advice to both private and corporate clients, helping to design and implement financial plans across a wide range of areas.

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Kathleen joined 75point3 in April 2022 as a Trainee Financial Adviser having completed her degree in Accounting & Finance at Bangor University. Having successfully achieved her Diploma in Regulated Financial Planning, Kathleen has become a qualified Independent Financial Adviser providing advice on investments, pensions, taxation and estate planning.

Kathleen is already working towards her Advanced Diploma and Chartered status which demonstrates her dedication in enhancing her knowledge in financial planning. Kathleen is known for her friendly approach and is able to simplify complex financial concepts so clients can make an informed decision. Kathleen is a Welsh speaker and able to offer a bi-lingual service.

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Maxine McNicholas is our Senior Accounts Manager at 75point3 and has been for the last two decades! As the Financial Controller, she oversees all accounting responsibilities, including recording financial transactions, bank reconciliations, invoice payments, and general administrative tasks. With qualifications such as Sage Level 3 and VAT, Maxine's expertise and dedication are integral to the company's financial operations and success.

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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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Chloe Evans, Compliance Assistant based in 75point3’s St Asaph. Chloe is originally from North Wales and joined 75point3 in January 2021 after graduating with a BA (Hons) from Leeds Beckett University.

Driven by a passion for maintaining regulatory integrity and risk management Chloe is an integral part of the compliance team, overseeing all aspects of compliance and training and competency at 75point3. Chloe is working towards attaining the CII Diploma in Regulated Financial Planning, showcasing her commitment to continuous learning and growth.

Chloe is bilingual communication in both Welsh and English.

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Kathryn Morgan-Jones has been with 75point3 since October 2018, bringing over 17 years of experience from Barclays, where she started in Accounts and rose to Assistant Manager.

In her role as Protection Consultant, Kathryn specialises in assessing clients’ individual needs to offer tailored advice and recommend suitable insurance products that protect families and finances against unforeseen events.

Kathryn has demonstrated her dedication to professional growth by completing several exams, including RO1, CF6, R05, R03, and R02, as part of her pursuit towards achieving the Diploma in Regulated Financial Planning - aiming to achieve this by the end of 2025.

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With over 9 years of dedicated experience in the financial services sector, Zac brings a wealth of expertise to the team. Currently serving as a paraplanner at 75point3, he has also contributed his skills to Lloyds Banking Group in the past. Zac's journey began with the completion of his Bachelor's Degree in Law from Bangor University in 2014.

Zac's professional growth is marked by his achievement of the CII Diploma in regulated Financial Planning. Eager to continuously enhance his qualifications, he is actively pursuing his Advanced Diploma and Chartered Status.

In his current capacity, Zac plays a pivotal role in providing both technical and financial research. He collaborates closely with Financial Advisors to formulate well-suited recommendations. With a strong command over protection, pension, and investment planning, Zac's insights contribute significantly to helping clients realise their individualised financial aspirations.

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Ffion’s years in financial services have seen her pass advanced exams in mortgages, qualifying her to discuss all aspects of mortgage planning including house purchases, remortgages, buy to let, commercial mortgages and debt consolidation.

She has particular in-depth knowledge of affordable housing and the planning restrictions and conditions placed on local housing. She also advises on protection products including life insurance, critical illness and income protection, and is a Welsh speaker who is able to offer a bilingual service.

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David has worked in financial services for many years, and is qualified to discuss all aspects of mortgage planning including house purchases, remortgages, buy to let, commercial mortgages and debt consolidation.

David is also qualified to provide advice for clients in later life who want to release value from their home via an equity release mortgage or home reversion plan. His advice is based on the whole of the mortgage market, with this independence allowing him to make sure that not only does he deliver suitable advice for each client, but that he is also able to secure the most competitive deals available.

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Sandra’s qualifications enable her to discuss all aspects of mortgage planning including house purchases, remortgages, buy to let and debt consolidation, and she has been advising clients in these areas for several years. She draws on the whole of the mortgage market when giving her advice, and feels this independence allows her to make sure that not only does she provide appropriate support to each client, but she is also able to secure the most competitive deals.

Sandra works closely with clients, builders and estate agents, and also advises clients on protection products including life insurance, critical illness and income protection. She is also a Welsh speaker, and is therefore able to offer a bilingual service.

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Carol is qualified to discuss mortgage-related areas including house purchases, remortgages, buy to let, commercial mortgages and debt consolidation. With access to the whole of the mortgage market, she is able to provide suitable advice tailored to each client’s needs, while also securing the most competitive mortgage deals.

Carol specialises in new builds, working closely with clients to ensure the transition for first-time buyers and home movers into their new homes is a smooth one. She also helps clients using government housing schemes and assists with their implementation, and advises on protection products including life insurance, critical illness and income protection.

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Nisha’s experience in financial services includes passing mortgage exams that qualify her to discuss all aspects of mortgage planning. This includes house purchases, remortgages, buy to let, commercial mortgages and debt consolidation.

Nisha refers to the whole of the mortgage market when providing advice, and is committed to delivering advice appropriate to each client while also securing the most competitive deals available. She also advises on protection products including life insurance, critical illness and income protection.

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Adrian is Head of Commercial Funding @ 75point3 and has over 30 years' experience in business finance. This has been gained over his career in banking ,which involved working with small and medium sized enterprises (SMEs) on their funding needs. Specialising in the SME market for many years has provided Adrian with a good knowledge and understanding when structuring and sourcing deals for his clients.

Adrian’s focus is on sourcing business finance for a wide variety of sectors to include development finance, real estate, healthcare and finance for trading businesses. Facilities arranged will include commercial mortgages, bridging finance, secured and unsecured loans together with cashflow lending and asset finance.

Business owners often don't know what the best route would be for them or how to start deciding, this is where an early chat with Adrian can be invaluable.

Mobile: 07967 634739

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Ruth Eaves joined 75point3 in July 2021, bringing with her a wealth of experience in commercial finance. With over three decades in the financial industry, she previously spent 16 years as a Commercial Manager for a High Street Bank before becoming an Area Manager for high-net-worth clients across North Wales and the North West for another 16 years.

As a Commercial Finance Consultant, Ruth specialises in sourcing tailored business finance solutions across a range of sectors, including development finance, real estate finance, and trading businesses. She works with commercial mortgages, bridging finance, cash flow lending, asset finance, and invoice discounting, helping clients secure the best financial solutions to meet their goals. She is supported by Keeley Westwell in ensuring clients receive top-tier service.

Committed to ongoing professional development, Ruth has completed her CF1 qualification and is currently studying for the Financial Intermediary and Broker Association Certified Practitioner in Specialist Property Finance.

Outside of work, Ruth enjoys walking her two dogs, George and Lady, training at the gym, and interior design—she is currently remodelling a family home that has been in the family for 57 years.

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Carole Evans joined 75point3 in February 2007, bringing with her 22 years of experience at Halifax in the financial services industry. With an extensive background in banking and mortgage administration, she plays a key role in supporting Mark and other Mortgage Advisers, as well as working closely with the administration team to ensure smooth day-to-day operations.

Her role involves handling client documentation, liaising with lenders, and ensuring compliance with industry regulations, all while maintaining the high standards of customer service.

With a wealth of experience under her belt, Carole has her sights set on retirement in the future, but for now, she continues to be an invaluable member of the team.

Outside of work, Carole has a passion for travel, skiing, and keeping fit, always looking for new adventures to enjoy.

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Jordan Pattullo joined 75point3 in 2021. He carries out a dual role at the company’s Colwyn Bay branch supporting Ffion Berry Evans and Nisha Hampshire-Jones with mortgage advice as well as looking after the Principality Building Society agency. Both roles are very demanding with high level customer expectations related to house purchase, keeping introducers up to date with developments, meeting lender and regulatory requirements as well as 75point3 and Principality internal procedures.


Jordan has signed up to complete the Chartered Insurance Institute diploma in financial planning and completed his first module towards the end of 2023.

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Trystan joined 75point3 in October 2022, bringing with him a diverse set of transferable skills from previous roles. As a Financial Services Administrator, his role is varied and dynamic, supporting multiple areas of the business, including IT, background processes, marketing, administration, client services, and property maintenance.

He works closely with the all departments in 75point3, ensuring smooth operations across different departments. Committed to helping 75point3 achieve its long-term goals, he provides support wherever it’s needed.

Outside of work, he enjoys driving and exploring new places, keeping up with the latest tech, and spending time with friends.

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Sophie Davies joined 75point3 in May 2024, bringing three years of experience in wealth management.

Sophie plays a key role in the company’s mortgage administration team, supporting Ffion Berry Evans and Nisha Hampshire-Jones with our mortgage services while also managing customer interactions for the Principality Building Society agency.

Sophie has already completed her CeMAP and R05 qualifications and is currently studying for her CeRER (Equity Release) certification as she progresses towards becoming a Mortgage Adviser.

Outside of work, Sophie considers herself a racket sports enthusiast, with a particular love for badminton, tennis, and squash—and she considers herself something of a pro!

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Jade Hughes joined 75point3 in December 2023 as a Financial Services Assistant, providing support to the IFA's and New Business Team. Despite entering with no prior financial industry experience, Jade is eager to learn and is currently working her way toward completing exams as she aims to progress to become a financial adviser in the future.

Outside of work, Jade stays active through exercise, running, and indulges in her passion for travel. She also treasures spending quality time with loved ones and her dogs.

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Kiah Williams joined 75point3 as a Financial Services Assistant, she plays a crucial role in actioning and monitoring financial transactions, including fund switches, withdrawals, and contributions, ensuring everything runs smoothly for clients.

With a keen eye for detail and a proactive approach, Kiah supports the team in handling financial processes efficiently. Kiah is rapidly building her experience and knowledge within the industry.

Outside of work, Kiah has a love for hiking, traveling, and scuba diving, always looking for her next adventure—whether it's trekking new trails or exploring the depths of the ocean.

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Delyth Morris joined 75point3 in 2006, bringing with her valuable experience from her time at the Halifax Agency and Principality. As a Financial Services Assistant, she supports Sandra Davies, ensuring smooth administrative processes and excellent client service.

Delyth holds a Diploma in Customer Services and continues to bring dedication and expertise to her role.

Outside of work, Delyth enjoys hiking and training, staying active and embracing the outdoors.

Welsh is her first language, and she is always happy to help—whether in Welsh or English.

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