Independent financial advice. Specialist in inheritance tax planning.
Whole-of-market advice on pensions, retirement, investments and protection, with deep expertise in inheritance tax planning, including the April 2027 pension rule change. Based in Southport. Working with families across the UK.
Practical financial tips, on YouTube.
A growing collection of short, plain-English videos on the financial questions UK taxpayers actually ask: pensions, tax, retirement, ISAs and estate planning. Watch the latest video, or subscribe to follow along.
How I Help People Retire with Confidence (Cashflow Demo)
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Claim £1000s in Missed Pension Tax Relief (UK Higher-Rate)
26 May 2026
Pension funds enter your estate. Most families haven't planned for it yet.
From April 2027, most pension funds will count toward your estate for inheritance tax purposes. For larger estates, that can mean a 40% tax bill on money your loved ones were always meant to receive. The good news: there's time to plan, but the window is narrowing.
Whole-of-market advice, with specialist expertise in inheritance tax.
Independent advice across the areas that matter most to UK families: pensions, retirement, investments, protection, estate planning and inheritance tax, including the April 2027 pension changes.
Inheritance Tax Planning
With IHT at 40% above the nil-rate band, and pension funds set to enter the estate from April 2027, early planning is essential. Estimate your liability in two minutes.
Estimate your IHT 02Estate Planning
Make sure your wealth passes to the people you care about, with the right wills, trusts and gifting strategy in place to do it efficiently.
Learn more 03Pensions & Retirement
Combine old pensions, plan a tax-efficient retirement income, and make the most of allowances most people leave on the table.
Learn more 04Tax & Investments
ISAs, capital gains and pension contributions, used together to keep more of what you earn and what you've already invested.
Learn more 05Cashflow Planning
See exactly how long your money will last, and what happens if markets fall, you retire early, or care costs hit later in life.
See how it works 06Protection
Most families are underinsured. Life cover, income protection and critical illness, assessed independently across the whole market.
Learn more
Clear advice. Long-term thinking. One point of contact.
I'm an Independent Financial Adviser based in Southport, connected to Fintuity. I work with individuals and families across Merseyside, West Lancashire and the wider UK, providing whole-of-market advice on pensions, retirement, investments, protection and inheritance tax planning.
My approach is straightforward: understand what you're trying to achieve, build a plan that gets you there tax-efficiently, and review it as your life and the rules change. Nothing more complicated than that.
JohnFrom first conversation to clear recommendations.
A straightforward process designed to help you decide whether to proceed, define the work that needs to be done, and move forward with confidence, with ongoing support available if you want it.
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 help. No paperwork, no pressure.
Fact-find meeting
If you decide to go ahead, we meet again to walk through your financial picture, priorities and preferences. By the end, we usually know whether we want to work together.
Building the plan
Once we agree the scope and complete the client agreement, I go away and research thoroughly. I use everything we've discussed to build a plan specific to your situation.
Your recommendations
A clear written report with specific recommendations and the reasoning behind each one. We go through it together, and if you're happy, we move things forward.
Ongoing support - because your finances don't stand still
Annual reviews, ongoing suitability checks, and a heads-up when pension or IHT rules change. The full detail of what the ongoing service includes is on the first-meeting page, and what it costs is set out on the fees page.
"I would recommend him to others with total, 100% confidence."
Read what other clients say
Reviews from clients across Southport, Formby, Ainsdale and further afield, covering pension transfers, trust planning and switching from a previous adviser.
Southport-based, working across the UK.
Based in Ainsdale, I work with clients across Southport, Birkdale, Formby, Ormskirk and the wider PR8 and West Lancashire area. For clients further afield, most meetings are on video: same standard of service, more flexible to arrange.
You'll usually find me at Mecycle in Ainsdale, the Tea Rooms in Birkdale, or out walking the dog in the Formby pinewoods.
A clearer financial picture starts with one conversation.
Book a free 20-minute call. No obligation, no jargon, just a straightforward discussion about where you are and what you're trying to achieve.
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