Meet the Team

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Stephen has over 20 years’ experience in financial planning and is one of the highest qualified planners in the UK having attained both Chartered and Certified status. In addition Stephen has passed the Society of Trust and Estate Practitioners specialist examinations and is a Registered Trust and Estate Practitioner (TEP). Stephen was elected as a Fellow of the Chartered Insurance Institute (FCII) in 2010. Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry.
Stephen has been advising private clients on post retirement issues including inheritance tax planning since 1999 and has received numerous national awards for his advice via the Financial Planner of the Year Awards which are run by one of the Financial Times’ specialist publications: Money Management. Whilst Stephen’s technical expertise is second to none, he believes that it is his approachability and skill at making complicated solutions easy to understand, which makes his advice so popular.

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Mark has worked in financial services since 1998 and has been advising clients on their mortgage requirements. Mark has passed advanced exams in mortgages which qualify him to discuss all aspects of mortgage planning including; house purchases, re-mortgages, buy to let, commercial mortgages and debt consolidation.

Mark is also qualified to provide advice for clients in later life, who wish to release value from their home via an equity release mortgage or home reversion plan. Mark uses the whole mortgage market place in providing advice and feels that this independence allows him to make sure that he not only provides the right advice, but he is also able to secure the best deals available.

Mark also acts as the company Compliance Officer.

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David is a director at 75point3 and is one of our founding partners, specialising in providing both private clients and businesses with comprehensive financial planning solutions. He also works closely with other professionals, such as accountants and solicitors, to meet their clients’ financial objectives.

David has been awarded the Chartered Insurance Institute’s Diploma in Financial Planning, and he believes the financial planning process should always be focused on helping clients identify what is important to them and what they are looking to achieve. This involves undertaking a detailed review of each client’s personal circumstances and finances, covering areas such as retirement planning, family protection, capital investment and inheritance tax planning advice.

David always aims to take a relaxed, personal approach to helping clients achieve their goals.

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After achieving a First Class Honours Degree in Accounting & Finance, Tracy is now 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 now a registered STEP Associate 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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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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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.

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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David’s extensive experience in financial services has seen him complete the Chartered Insurance Institute’s Advanced Diploma, and he has also attained Chartered status. This highlights his detailed technical knowledge and commitment to professional development.

David provides advice to private clients and businesses across investments, pensions and protection, specialising in corporate pensions.

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Kirsty has completed the Chartered Insurance Institute’s Diploma in Financial Planning and is currently working towards her Advanced Diploma and Chartered Status.

She provides advice in all aspects of financial planning including life insurance, pensions and investment solutions, specialising in corporate pension schemes. In October 2014, she gained national recognition when she was named as runner-up for the UK Automatic Enrolment Planner of the Year award by the Financial Times’ specialist publication, Money Management.

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Antonia is an experienced financial adviser who has completed the Chartered Insurance Institute’s Diploma in Financial Planning, and is currently working towards her Advanced Diploma and Chartered status.

She is able to provide advice in all aspects of financial planning including life insurance, pension and investment solutions.

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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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During Martyn’s years with 75point3 he has held a number of roles within the company. These include time spent as a paraplanner, mortgage adviser and independent financial adviser.

Martyn has achieved his diploma in financial advice and is currently working towards attaining Chartered status. He provides advice to private and corporate clients on all aspects of financial protection.

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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.

Kim oversees all aspects of compliance, training and competency for our business, and is looking to expand her knowledge further into management and compliance.

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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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Thomas has completed the Chartered Insurance Institute’s Diploma in Regulated Financial Planning and the Certificate in Paraplanning, and is currently working towards his Advanced Diploma and Chartered status.

Thomas’s main focus at 75point3 is providing technical and financial research and support to our financial advisers. His specialist knowledge of pension and investment planning means that he can work closely with advisers to make sure clients always achieve their financial and personal goals.

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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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With an impressive 25-year career in financial services, Lee is a senior paraplanner at 75point3. Beginning as a Financial Adviser in 1999, he transitioned to paraplanning in 2017, drawing on his extensive adviser experience to provide valuable insights.

Lee's proficiency in crafting precise recommendations, coupled with his technical expertise, stems from his deep industry knowledge. Collaborating closely with advisers, he ensures clients' personal and financial goals are achieved.

Having joined 75point3 in June 2022, Lee's impact is already evident. His qualifications include a Diploma for Financial Advisers, reflecting his commitment to growth. Lee's role encompasses research, support for advisers, and report writing. He's a valued member of both the Investment and Decumulation Committees, contributing to our strategic direction.

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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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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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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 at 75point3 and has over 30 years' experience in business finance, gained over his career in banking, working with small and medium sized enterprises (SMEs) on their funding needs. Specialising in SMEs for many years gives Adrian the edge when it comes to structuring and sourcing deals for his clients.

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

Small 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 joined 75point3 as a Commercial Consultant after having a wealth of experience in the financial services sector. Ruth worked for a high street bank for over 30 years specialising in funding for businesses and ultra-high net worth clients.

Ruth’s role concentrates on sourcing business finance for a wide range of sectors including development finance, real estate finance (investment property) and for trading businesses. Products and advice include commercial mortgages, bridging finance, cashflow lending, asset finance and invoice discounting.