We are a bespoke IFA practice operating accross Cumbria, South West Scotland, the North East and Darlington. We pride ourselves on providing the highest possible client service and the best possible professional, independent financial advice across all areas of Financial Planning. I am a Certified Financial Planner and specialise among other things in providing advice to clients considering Equity Release.

I am a Certified Financial Planner with the Advanced Qualification in Mortgage Advice and Practice and also hold the Certificate in Regulated Lifetime Mortgages and Home Reversion Schemes. I am an Associate Member of the Chartered Institute of Bankers in Scotland and have been in the Financial Services Industry, firstly in banking and then as an independent Mortgage Broker before becoming an Independnet Financial Adviser in 2002. I take great pride in having had my clients throughout this time and in the high levels of referrals I obtain from my clients. I provide the highest possible level of service and have extensive knowledge in many areas of Financial Planning and especially in mortgages. As a Buy-to-Let investor I understand the market fully and provide the best possible advice to people looking to build up a property portfolio. I am a Director of Financial Concepts and am delighted with the excellent reputation we have built up and will continue to deliver in the future.