I have been in financial services since 1978. I worked for the Prudential for 15 years advising clients and was previously an Independent Adviser since 1996. I joined HJP Independent Financial Advisers in 2003, became a manager in 2006 and was made a Director from 2008, becoming a director of HJP Chartered Financial Advisers in 2017 as a Partner Practice of St. James's Place Wealth Management. My advice covers all areas of wealth management, including, retirement planning, wealth protection, savings and investment planning, my main areas are Pension and Investment Planning Advice including Inheritance Tax planning. I am a member of the Chartered Insurance Institute and the Personal Finance Society. I am a Chartered Financial Planner and a Fellow of the CII, as well as holding the necessary qualifications to enable me to provide advice on reviewing previous pension arrangements. HJP Chartered Financial Planners is a Partner Practice of St. James’s Place Wealth Management based in Surrey. More details are available on our website at www.hjpcfp.comHJP Chartered Financial Planners is a trading name of HJP Wealth Management Limited. SJP Approved 19/10/2022