I live in Lytham, I recently became a widower, so I am now sadly adapting to life without my wife Janet. I have two children in their twenties, Katie and Taylor. I am a passionate supporter of Manchester United - but don’t hold it against me! From leaving school I have worked in various roles within my family businesses, ranging from property investment to main agent dealership. I joined the Financial Services sector in 1995 becoming a Pension and Investment adviser with Allied Dunbar. Since then I have worked for Zurich as a Senior Manager before starting my own practice in 2002 which then merged with Appletree in 2010. I specialise in offering Quality Advice in Retirement Planning, Investments, Inheritance Tax Planning, Tax Efficient Pension Schemes and Work Place Pension Schemes. My main aim is to build Long-Term Relationships with Personal and Business Clients.Appletree Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.Approved by The Openwork Partnership on 18/05/2023.