Meet the team
Any adviser can tell you their firm is different or that it’s the best. We let our clients decide whether that’s the case or not.
MD & Adviser
Beginning my financial advice career in 1990 at the tender age of 22 with the fee-based advisers Acuma Ltd a subsidiary of American Express. The mid 90’s was a time of significant change in financial services, the Financial Services Act of 1986 was starting to have an impact on many outdated and unethical adviser practices and many tied agency sales forces closed their doors during this period.
[When I started out there were 225,000 “Financial Advisers” in the UK, most were just commission hungry sales staff rewarded on a commission only basis and mis-selling practices were rife. In comparison today there are around 30,000 FCA registered financial advisers most are independent, well qualified, professional and operate with a high level of integrity.
The recent British Steel pension mis-selling scandal suggests there are still some rogue advisers out there looking to put their personal financial gain before that of their client.]
Acuma was sold in 1993 and my early employers changed a lot as companies went under or were bought out by larger competitors.
By 1996 I had qualified as an Independent Financial Adviser and was living and working in the City, by the end of the decade with marriage and the start of a new family, I wanted to be outside of London.
I joined JBW Associates, based in Maldon, Essex in August 1999 becoming a shareholding Director in 2001. After failing to agree terms for an MBO we sold this business to a larger local IFA and in 2006 I started Capital Wealth Solutions Ltd initially as a tax boutique and from 2008 as an IFA.
The next big change in Financial Services was the Retail Distribution Review (RDR) in December 2012 which required advisers wishing to continue to be Independent having to charge a fee or “adviser charge”. Ahead of the game I had set up the firm as a fee-based adviser from the outset and as a result of speaking at a range of industry conferences and symposiums from 2013-2015 I was a regular contributor to the James Whale Breakfast show on BBC Essex appearing twice a week with a business and finance briefing.
In the last few years I have started to work towards completing my Chartered and Fellowship accreditation which is a globally recognised professional qualification and evidences the holder is at the very pinnacle of technical knowledge and capability.
When not working I have 5 children ranging from 9 to 24 to keep me on my toes and I’m involved in a variety of local sports.
• Watching Rugby (Retired in 2018)
• Coaching Hockey
• Playing Tennis with my children
• Swimming with the family
• Seeing England rugby team lose or losing in general!
• Being cut up on my bike by impatient drivers!
• Mowing the lawn
Lead Client Servicing Administrator
Joining us in 2017 from Independent Life & Pension Group (ILPG) of Northampton, where she assisted three busy Advisers in pre-and post-meeting preparation. Prior to IPLG Dawn held senior administration roles at Pointon York and Hornbuckle Mitchell both being large independent SIPP Administrators. She has 30 years’ experience of Wealth Management, Investments and pensions; Dawn joined us having relocated to Essex from Northampton.
Currently aiming to complete her advanced diploma she is already part qualified via the Chartered Insurance Institute (CII).
• Going on Holiday
• Walking my 2 Labradoodles
• Visiting my 2 Grandsons
Client Servicing Administrator
Joined us in 2015 from Reeves Chartered Accountants where she was an administrator in the Tax and Trust department of the private client side of the business. Over the last 4 years Kim has gained further experience in the Tax and Estate Planning side of our client offer and has amassed further experience in administering the constructions of Wills, Trusts and tax returns as well as assisting James Caviel in dealing with the Probate process for deceased clients.
Like her two colleagues Kim has the responsibility of looking after the administrative requirements of any implemented recommendations, or on-going service issues.
• Watching my 2 sons playing football
Client Servicing Administrator
Ali works for us flexibly but at least three days per week and gives us the capacity to provide a high level of client care even in the more demanding months of the year, typically the period from January to May which is usually our peak time.
Ali has been with us since 2012 and joined having worked for the last 18 years at a variety of IFA practices as administrator. Like her two colleagues Ali has the responsibility of looking after the administrative requirements of any implemented recommendations, or on-going service issues.
When not working for us Ali is an accomplished baker and runs her own celebratory cake making business Frosty Fairy (http://www.frostyfairy.co.uk/)
Authors note- Ali you can pay me later for the free plug!
• Making Cakes
• Bird Watching
• Formula One
• Going away in our Caravan