As part of the ongoing relationship between Ludlow Wealth & Napthens Solicitors, Napthens Wealth Management (NWM) was formulated with my role to oversee the ongoing new business and ongoing client management activity for Commercial, Corporate and Employment Departments.A dual role alongside my Senior Consultant position with Ludlow.

My role as Wealth Manager & Stockbroker at Raymond James Investment Services allows me to draw on over 52 years of wealth management and financial planning provision to The Ribble Valley and surrounding area.Raymond James Investment Services themselves commenced operation in 2001 and is the UK private client wealth management arm of Raymond James Financial Inc (founded in 1962). We are currently one of the fastest growing wealth management businesses in the UK today with over 80 commercially independent practices leading us to have over 23,000 client accounts representing total assets of £4.06 billion.My role within the business is to work alongside clients both on a personal and business level understanding specifically what they hope to achieve over the course of their time with ourselves and how best we can achieve this via a mutually agreed investment strategy that is continuously reviewed in line with events in the world that ultimately effect the model.In my view our business quite simply focusses on building a good relationship with the client over a period of time where trust can be established and nurtured, and where formality is left at the door. As a team we are 100% committed to helping you achieve your goals and this typically involves utilising various tax wrappers such as ISA's or SIPP's, utilising tax breaks where possible whether this be via Capital Gains planning or Inheritance Tax mitigation, providing a wider range of investments from Corporate Bonds through to Direct Equities and ultimately channelling this into a well balanced, transparent portfolio that we can manage together over time.

Following on from the Edward Jones Training Programme in London I established PI Financial Dixon Sutcliffe working with small businesses and various private arrangements in and around The Ribble Valley.Typical business involved Retirement Planning and the provision of personal pensions, understanding shortfalls in personal insurance and providing the necessary policy to safeguard against should the worst happen. Investment advice restricted to Collective Investment Schemes typically housed within ISA and Pension wrappers. Finally I also provided Independent Mortgage Advice on both a private and commercial footing again focussed typically within a 10 mile radius of the Ribble Valley.In November / December of 2010 I was approached to work at a company within The Ribble Valley where I would be authorised to utilise the full spectrum of qualifications I had picked up to date inclusive of the stockbroking arm which was something I had been unable to explore in my current position and therefore the decision was taken to amalgamate my services into Raymond James Investment Services starting in January of 2011.

A 20 week intensive training programme with at the time The Sunday Times No1 employer to work for Edward Jones Investments split into two sections. The first 9 weeks was a classroom based environment delivering tuition, study time and the eventual exam weekly with a view to, if successful moving forwards onto the back 11 weeks which delivered various training scenarios and practical assessments to ensure confidence and ability to disseminate the skills picked up from the course.Group 912 was to be the last cohort to sit this programme as at Christmas 2009 Edward Jones sold their business to another firm after deciding their model was no longer practical to the UK given the events of 2008 and the subsequent events that followed.With my training complete, I established Pi Dixon Sutcliffe Independent Financial Advisers and began working back in The Ribble Valley.

Commenced employment with British Aerospace (as was) via their Business Modern Apprentice initiative which delivered various Degree and NVQ qualifications in the 2 year work based training programme before cementing a role within the business in 2000 which for me involved managing the then outsourced I.T contract based out of Samlesbury and Prestons Channel Way on Riversway Docklands. During the 11 years at BAE my "trade" stemmed from the Project Management arena providing resource management, budget support and overall project planning via various mechanisms to the function and project roles that I worked on inclusive of Eurofighter Typhoon Avionic Systems, Eurofighter I.T & Support, and finally Typhoon Availability Service working in partnership with the Royal Airforce.My final role with the company involved delivering the maintenance and upgrade sustainability bid culminating in contract award and the eventual roll out of the programme working over in Lincolnshire before exiting the company to pursue a career in Financial Services in September 2009.