About us

We are an independently owned financial planning and wealth management firm in Manchester specialising in the provision of face-to-face financial advice to individuals, their families, business owners and trustees across the country.

Our advisers are highly qualified but more importantly offer a wealth of experience and technical knowledge on all financial matters and specialist areas. However complex or simple your situation may be, we will certainly be able to help you make the most successful decisions.



 

Harvey Sutton DipPFS
Independent Financial Adviser


Harvey has almost 25 years experience in financial services. Harvey's clients are typically succesful business owners with a wide range of planning requirements.  He understands their needs and focuses his time on helping them accumulate and protect their wealth.

Something you might not know: Harvey is a keen sailor and skier.  He spends most of his spare time with his children and Wife.



Stephen Hay DipFA
Independent Financial Adviser


Stephen has been advising clients since 1974 having worked for Prudential and Halifax Bank.  Steve's philosophy in building long term relationships with clients is 'going the extra mile' and delivering quality service. He believes this is much easier to achieve working as an IFA with a 'close knit' team.  Known as 'dad' to some of his colleagues - he plans to be around for some years yet !!



Benjamin Preston, Chartered Financial Planner

APFS, Cert CII (DM), Cert CII (MP)


Ben joined us in 2009 bringing with him valuable experience as a financial planner for business owners and professional sportsmen.  As a chartered financial planner he in the top 12% of financial advisers and specialises in the more complex areas of pensions and lifetime income security.

Ben studied at Altrincham Boys Grammar School before moving onto Leeds where he completed his degree in Business Studies. 

Ben believes it is important to understand his clients needs to be able to help them achieve their financial goals:

'Clients expect us to be proficient with financial products but they should never be driver of advice. My function is to help my clients live an enjoyable and active life without the stress and fears of financial constraints.  I do this by demonstrating to clients whether they would run out of money if they maintained the status quo, retired earlier, spent more money, went on that 'around the world' holiday or what ever the goal may be.  If there is something the client doesn't like, I explain the options available and use financial solutions to meet the clients needs."

Something you might not know: Ben has climbed Mount Roraima in Venezuela - the worlds highest Tepui mountain and spent a week living in the Amazon jungle.  He has also climbed Mt Snowdon, Scafell Pike and Ben Nevis in 24 hours, ran the Hell Runner and cycled Coast to Coast.



Matthew Cook, Independent Financial Adviser

DipPFS


Matt started in financial services back in 1999 as an administrator and quickly rose up the ranks to become an independent financial adviser by 2001. Matt and his wife Zoe own Mossbank Financial Planning which was set up in 2014 and has won the following awards:-

  • Wealth and Finance - Financial Advisor of the Year 2016
  • Best Online IFA Practice - the UK 2016 (European Business Awards)
  • Certificate of Excellence (Vouched For)
  • Most Innovative Independent Financial Advisers 2016 - UK & Recognised Leader in Group Income Protection (Wealth & Money Management Awards 2016)
  • UK Top Rated Professional (Vouched For)
  • Online IFA Practice - UK 2015 (Wealth & Finance International)

In 2016 Mossbank, Matt and Zoe joined the Suttons team and will continue to provide the high level of service that helped win the above awards.

Something you may not know: Matt used to be a club 18-30 rep (a long time ago), he was a keen motorbiker, Scuba Diver (had the bends once) and was on track to get his Parachute Licence until he met his wife Zoe. Now he is a dad to two beautiful girls, spends most of his time playing in the back garden and has never been happier.



Lisa Davies, Independent Financial Adviser

DipFA AwPetr


Lisa has been in Financial Services for over 20 years. Her early career was spent in wealth management based in Jersey in the Channel Islands, she worked for Barclays Wealth and Abacus Trustees, dealing with Trusts and Estates for high net worth clients. She then moved into property sales and management, running an estate agency in Tenerife until 2007 when she returned to the UK to resume her career in Financial Services.

Lisa enjoys meeting with clients and is especially passionate about pensions and retirement planning; “The real enjoyment of being a financial planner is providing clients with holistic advice that allows them to enjoy their lives, instead of worrying about what's going on in the world financially. I often meet clients that have worked hard and saved, but don't really know how to use their pension fund effectively. The best feeling is when you highlight what options they have - retirement, semi-retirement, helping family members or just enjoying their lives more.”

Outside of work Lisa enjoys spending time with her children and hill walking with her dog.



Would you prefer to talk to a female adviser about your finances?

Would you prefer to talk to a female adviser about your finances? A recent report that shows many women are put off seeking financial advice due to it being a male dominated profession.

Looking to transfer out of your final salary scheme?

Look no further, we can answer your questions, review your pension, and will let you know if you could benefit from a final salary pension transfer.
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Are you aware of your pension choices?

It is important to plan ahead for your retirement, as the basic State Pension is designed to provide only a minimum amount of income during retirement.
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Using a lifetime ISA to save for retirement

Is the new lifetime ISA a better retirement option than a good old fashioned pension?
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Will you be affected by the new Lifetime Allowance limit?

You usually pay tax if your pension pots are worth more than the lifetime allowance.
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New Personal Savings Allowance

From 6 April 2016, if you're a basic rate taxpayer you'll be able to earn up to £1,000 in savings income tax-free.
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