The value of pensions and investments can fall as well as rise, you may get back less than you invested.
The FCA do not regulate inheritance tax planning.
Mike has an Honours degree in Accountancy and Finance, he is Financial Services Diploma qualified and a member of The Chartered Insurance Institute and Personal Finance Society. He has worked as a consultant for a high street bank, inspector for a large insurance company and as an offshore pensions consultant to UK expats. Mike specialises in Investment and Retirement planning; he has over 30 years’ experience in the financial services industry and ran his own financial advice business for many years prior to joining Charles Derby Direct.
Mike is married with three grown up children, his hobbies include cycling, walking his cocker spaniel and a long-suffering supporter of Preston North End.
BA (Hons) Accountancy & Finance, Diploma in Financial Planning, Financial Planning Certificate, Certificate in Equity Release, Certificate in Discretionary Investment Management, Certificate in Mortgage Advice, Certificate in Life & Pensions, Award in Long Term Care Insurance.
Alan has over 39 years’ experience in Financial Services. Having spent much of his career promoting insurance company products and investment management services to the IFA community, he decided that he would get far greater job satisfaction by providing financial advice directly to clients.
Alan says, “working hard and meeting sales targets has its own rewards but never really gives you the job satisfaction of knowing that you have helped a client to satisfy their financial needs”.
For the first 10 years of his career, he provided administration services for defined benefit (final salary) pension schemes to a managerial level and then moved to the north-west of England to pursue a career in group and personal pension sales to the IFA community. Working for two major UK life insurance companies over the following 11 years, he developed a keen interest in investments and joined a firm providing stockbroking and investment management services as a Business Development Manager in 1998.
After 13 years in investment management, Alan attained a Diploma in Regulated Financial Planning in 2012 to fulfil his ambition to become an Independent Financial Adviser. He is a member of the Chartered Insurance Institute and the Personal Finance Society.
Alan has been married for 30 years and lives in Penwortham, Preston with his wife and two children. He enjoys walking, cooking, D.I.Y. and motor sport (mostly spectating).
Diploma in Financial Planning, Diploma in Regulated Financial Planning, Financial Planning Certificate, Certificate in Life & Pensions.
Anna has over 23 years’ experience working in the Financial Services. Starting her career in Bancassurance, working for the main high street Banks and Building Societies.
Anna has specialized in Inheritance Tax Planning, managed large teams of Advisers as a Field Manager/Supervisor and been a Regional Retail Manager for a well-known Building Society.
Prior to working for Charles Derby Direct Anna worked for a local Pension advisory company as an Independent Pensions Adviser.
Anna has been married for over 30 years with three grown up children, has a Granddaughter and another one on her way.
Anna enjoys Travel and watching most sports including football, as Anna was a Girls Football Manager with her local Girls football team and holds a Level One Coaching Badge from the FA.
Financial Planning Certificate (FPC 1, 2 & 3), MAQ (Mortgage Advice Qualification), IFS Level 4 Diploma for Financial Advice and is a Member of the Personal Finance Society.
Anna has over 30 years’ experience in the Financial Services industry including roles as a Mortgage Advisor and Financial Planning Consultant. In recent years she has chosen to specialise in Pensions and Retirement Planning and is Financial Services Diploma qualified to Level 4 and a member of The Chartered Insurance Institute and Personal Finance Society.
Anna is married with a grown-up daughter and is based in Somerset. Particularly enjoying the outdoors and the Somerset countryside her hobbies include yoga, running (in good weather), cooking and most days spending an hour or two in the garden.
Before entering financial services Gary worked for CWS managing three CWS branches in the Blackpool area.
Gary has almost 30 years’ experience as an IFA working previously for a high street Bank in their corporate and private banking arms as well as working seventeen years for an investment company based in the City of London.
Gary also spent several years working as an IFA for a family run firm in Southport, with responsibilities of providing on-going service to their clients throughout the UK.
Prior to working for Charles Derby Direct Gary worked for a local Pension advisory company as an Independent Pensions Adviser.
Gary is married with three children. He is an avid fan of 50s/60s R&B and soul music, and DJ's on a regular basis at a club in Blackpool. Gary enjoys walking in the Lake District and crown green bowling.
Level 4 qualification in Financial Planning. Certificate in Life & Pensions. Professional qualified in Investment/Financial Planning and Long Term Care.
I have worked at Charles Derby for the last 7 years. I have a wealth of customer services and satisfaction experience and enjoy the challenge of ensuring that all of our clients have the very best experience we can provide.
For the first 9 years of his career, Daniel provided customer support to clients as well as administration roles in Finance and Banking. Over the last 2 years, he has specialised in retirement options for clients as a Case Manager.
Daniel is currently studying towards his Regulated Financial Planning Diploma with an aim to become a qualified Financial Adviser.
Ethan started working in the Financial Services Industry in 2015. Since joining the Financial Services, Ethan has focused on retirement options as a Case Handler. He was responsible for maintaining relationships with advisers, solicitors and clients.
Ethan is now working towards his Diploma in Regulated Financial Planning.
Jason has worked in the financial services for 5 years across insurance and various retirement services and is currently working towards his diploma qualifications.
Marzena started her journey in Financial Services in 2015 after acquiring BA Hons degree at University of Central Lancashire. She is currently working towards her Paraplanning Diploma.
Carina has been working in Customer Service Industry since 2008 and joined the Charles Derby Direct Team in 2017 from a well-known Estate Agency Business.
She is the administrator for the department and is responsible for all the post both in and out of Charles Derby Direct. Carina also enjoys the rapport she has built with the advisers and colleagues.