Our Advisers

All our financial advisers have worked in the financial services industry for many years, within many different sectors. Many have gained experience whilst working for high street banks and building societies. Others have been tied advisers with large companies or have previously been independent financial advisers.
 
Our qualified advisers cover the whole financial services market. Whether you are seeking to build an investment portfolio, looking at mortgage requirements, protection, saving or creating a tax-efficient retirement strategy we have the expertise to provide a tailored solution.

Simply click on an advisers name or picture for more details including how to contact them

 

Independent Financial Advisers

Adrian Pepper
Adrian Pepper
Independent Financial Adviser

Adrian has worked in financial services since 2002, which includes working as an Independent Financial Adviser and working for Santander as a Financial Planning Manager.

He joined Hoyl as an Independent Financial Adviser in November 2012.

He has experience of advising on all types of investments and pensions, including Auto-Enrolment qualifying pension schemes, as well as mortgages, Equity Release and Lifetime mortgages.

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Andrew Armitage
Senior Financial Adviser

Andrew is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 1995.

Andrew gained his experience as a Financial Adviser by working for the major high street banks Lloyds TSB, Barclays and Santander, before joining Hoyl in 2016.

Andrew is able to provide whole of market independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments and Protection.

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Andy Ollason
Senior Financial Adviser

Andy has been working in financial services since 1996, and has been a Financial Adviser since 2001.

Andy worked for the major high street banks HSBC and Barclays before becoming an Independent Financial Adviser at the start of 2012.

Andy is able to provide whole of market independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments and Protection.

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Anthony Howell
Independent Financial Adviser

Anthony joined our Financial Adviser Training Program in 2019, bringing a wealth of knowledge and experience from having worked in the financial services industry since 2008. 
 
He qualified as a Mortgage Adviser in 2018, following roles with Natwest Bank, and later as a Branch Manager for Nationwide Building Society. 

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David Ford
Chartered Financial Planner

David is Director of Corporate Benefits at MacRobins in London, and works mainly providing advice and service to employers, ranging from charities and service companies to foreign banks and businesses in the high-tech sector. While the main focus of his role is on the employers needs, many of their Directors and employees take personal advice from David, especially around planning before and at retirement.

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David Glover
Independent Financial Adviser

David joined the Hoyl Group as a Financial Adviser in May 2018 with a wealth of experience and knowledge from working in the financial services industry since 2007.

David previously worked for Norwich & Peterborough Building Society (later becoming Yorkshire Building Society), predominantly specialising in Mortgage Advice before broadening his expertise to provide tailored financial solutions
on Pensions and Investments, including Auto-Enrolment qualifying pension schemes, Protection and Estate Planning

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James Caviel
Independent Financial Adviser

I am one of the Top Rated IFAs in the UK for the 7th year running, based on client feedback collected by VouchedFor, the independent reviews site.

I provide advice under the trading style of Hoyl Capital Wealth, which forms part of Hoyl Independent Advisers, a Financial Times Top 100 IFA firms member. 

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John Edwards
Independent Financial Adviser

I am passionate about building long term relationships with my clients, providing them with tailored financial advice based on a clear understanding of their financial circumstances, aims, objectives, and both current and future needs.

 

I joined Hoyl’s graduate programme in 2016, qualified as an Independent Financial Adviser within 2 years, and am currently studying towards Chartered Status – the profession’s ‘gold standard’ for financial planners.

Matthew Donovan
Chartered Financial Planner

Matt has worked in the financial service industry since 2015, gaining experience with other local firms before joining us as a Paraplanner in 2017.

 

Since then, Matt has progressed to an adviser role while also working hard to gain his Advanced Diploma in Financial Planning and Chartered Financial Planner status. He has a strong technical knowledge in all areas of financial planning and is passionate about providing clear and effective financial advice which meets both the current and future needs and aims of his clients.

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Matthew Hardy
Independent Financial Adviser

Matthew is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual, family and corporate clients since 1999.

 

He gained his wealth of experience as a Financial Adviser working for HSBC, St. James’ Place and other independent financial advice firms.

 

Matthew is passionate about the positive impact which financial planning has for clients’ long term financial well-being. 

Michael Lee
Independent Financial Adviser

With over 20 years’ experience in the world of financial services I’ll be delighted to help you with all areas of your financial planning, including investments, pensions and protection.

 

I qualified as a financial adviser in 2000, and have since worked with large organisations such as Aviva and NatWest, providing bespoke advice and support to suit every clients individual needs, and helping them determine and achieve their financial goals.

Paul Davies
Independent Financial Adviser

I’m a qualified Independent Financial Adviser, with over 30 years experience in building long-term relationships with my clients, by helping them achieve their financial goals.


I specialise in providing advice on Retirement Planning, Long Term Care Planning, plus all areas of Investment and Protection. Being Independent, I am able to search the whole of the market, for those products which match your individual needs.

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Penny Wriderholt
Senior Financial Adviser

Penny is a fully qualified Financial Adviser and has extensive experience of providing bespoke financial solutions to her clients. She started her financial services career in 2001 working in the banking sector and joined the Hoyl Group in 2013 as an Independent Financial Adviser.

Penny is able to provide whole of market independent financial advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments, Protection, Mortgages and Lifetime Mortgages. She is fully qualified in Equity Release advice.

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Robert Beevor
Independent Financial Adviser

Robert is a fully qualified Financial Adviser and has been providing bespoke financial solutions for individuals, families and corporate clients since 2002. He gained his comprehensive knowledge and experience as a financial adviser working with HSBC, Lloyds Private Banking and Santander.

 

Robert believes in building long term relationships with his clients ensuring a good understanding of their current circumstances and also their future plans.

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Soyfur Rahman
Independent Financial Adviser

Soyfur is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 2003.

Soyfur gained his experience as a Financial Adviser by working for a number of financial institutions, such as NatWest Private Banking, St James’s Place and Chase de Vere IFA, before joining Hoyl in 2018.

 

He is able to provide whole of market independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments and Protection.

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Alan Griffiths
Independent Financial Adviser

Alan is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 1985.

Alan gained his wealth of experience as a Financial Adviser working for a number of large insurance companies as well as building societies and other financial advice firms.

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Andrew Baker
Independent Financial Adviser

Andy is a fully qualified Financial Adviser and has worked in the Financial Services industry since 1997.

 

In addition to his experience providing tailored financial solutions
to his clients, Andy also has a wide range of Paraplanning skills.


Andy gained his wealth of experience as a Financial Adviser working for the CIS in a home service role, Barclays Bank as a branch based adviser and finally 14 years as an Independent Financial Adviser.

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Andy Stowers
Independent Financial Adviser

Andy is a Chartered Financial Planner and has been providing tailored financial advice for clients since 1986.

 

Andy has gained his experience as a Financial Adviser working for a number of National and Provincial Chartered Accountancy Firms and Independent Financial Advisers prior to joining Hoyl.
 
While specialising in pensions and retirement planning Andy advises in all areas of financial planning, providing holistic advice to help clients meet their current and future financial goals and aspirations.

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Carwyn Lewis
Independent Financial Adviser

Carwyn has worked in financial services since 1994 and he has been an independent financial adviser since 2001, during this time he was employed by two major bank assurers. His key areas of expertise are personal and corporate financial advice.

Carwyn joined the Hoyl Group in 2007 where he works as an Independent Financial Adviser.

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Dave Woollard
Independent Financial Adviser

Dave is fully qualified Financial Adviser and has been providing bespoke financial advice for individuals and corporate clients since 1991. He believes in building long-term relationships with his clients and fully understanding their objectives, goals and aspirations.

 

He has gained his knowledge and experience as a Financial Adviser by working in the industry and major high street banks before joining Hoyl in 2017.

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Donna Rayner
Independent Financial Adviser

Donna is a fully qualified Financial Adviser working in financial services since 2000, and as a financial adviser since 2014.

 

Donna gained her experience whilst working for Aviva and a local advice firms before joining the Hoyl Group in 2018 as an independent financial adviser.

Donna is able to provide whole of market independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments and Protection, as well as mortgage advice to individual clients.

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Joe Allen
Independent Financial Adviser

Joe is a fully qualified Independent Financial Adviser and has been in the financial services industry since 2005.

Joe has become very active in the Employee Benefits side of the business and in offering Automatic Enrolment solutions to corporate clients.

He demonstrates a thorough and concise work ethic, and thanks to this and his professionalism, has won the trust, confidence, and loyalty of an increasing client portfolio since joining the Hoyl Group as an IFA in 2009.

Mark Wright
Independent Financial Adviser

Mark has been working in financial services since 2012, and has experience as an Independent Financial Adviser from other firms in Norfolk.

Mark has worked for the large corporate firms such as Aviva as well as other independent financial advice firms. His previous experience in paraplanning, will writing and estate planning has given him a good technical knowledge which he can use to benefit his customers. ​

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Matthew Farrow
Independent Financial Adviser

Matthew is a fully qualified Financial Planner and is able to provide tailored financial solutions for individual, family and corporate clients.

 

Matthew joined Hoyl Independent Advisers in April 2012 and had worked in the financial sector since 2001.

 

He has experience in advising on Investments and Pensions, including Auto-Enrolment qualifying pension schemes, Residential mortgages, Commercial Mortgages, Equity Release, Lifetime mortgages, Protection and Estate planning.

Michael Chandler
Independent Financial Adviser

Michael has been working in financial services since 1994 and been a fully qualified financial advisor since 2005.

 

During his career, Michael has worked in the City of London looking after High Net Worth Individuals including Sporting Celebrities, City Professionals and Entrepreneurs.  In 2008, Michael moved to Suffolk to start a family, and has worked for HSBC, St James’s Place and Brancaster House before joining Hoyl Independent Advisers in April 2019.

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Patrick Murphy
Independent Financial Adviser

Patrick is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 1984.

Patrick gained his wealth of experience as a Financial Adviser working with large mutual insurance companies and working in the banking arena.

Patrick is able to provide whole of market Independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments, Protection & Mortgages.

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Paul Miller
Senior Financial Adviser

Paul has been working in the financial services industry since 2000, within assurance, banking, stockbroker and wealth management sectors, and since 2007 as an Independent Financial Adviser.

While specialising in retirement planning, Paul advises in all areas of financial services, including pensions, Auto-Enrolment qualifying pension schemes, investments and protection to meet clients’ current and future goals and aspirations.

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Phil McGuire
Independent Financial Adviser

Phil is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 2003. Phil has gained his experience as a Financial Adviser working for a number of large insurance companies as well as building societies before joining Hoyl in 2016.

 

Phil believes in building long term relationships with his clients, ensuring a good understanding of their current financial circumstances and also their future needs.

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Richard Leonard
Independent Financial Adviser

Richard has worked in financial services for over 25 years, having worked as an IFA for large corporate firms such as Equitable Life and Lighthouse, and a Management Consultant with BP prior to that.

 

He has a wealth of skills and experience, which are ideally suited to his current role working primarily with corporate and individual high net worth clients, providing bespoke advice, tailored to their individual financial planning needs

 

Mortgage Advisers

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Amanda Phillips
Mortgage & Protection Adviser

Amanda  has a wealth of experience and knowledge relating to mortgage and protection from working in the financial services sector for over 20 years 

Amanda first worked in a Building Society and then as an adviser on a self-employed basis – and is delighted to have joined Hoyl to become a part of a mortgage and insurance advisory team who strive to achieve the best outcomes for clients.   
 

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Daniel Burden
Mortgage & Protection Adviser

I’ll bring a wealth of knowledge and experience to your search for the right mortgage, having worked in a number of financial services roles since 2007 with Yorkshire Building Society (which was Norwich and Peterborough), and specialising in mortgage advice since 2012.

Once I find the mortgage that’s best suited to your personal financial situation, I’ll save you time by helping you with your application, tell you which lenders are more likely to accept it, and speed-up the application process by dealing with as much of this as possible for you.

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Yanneke Whitehouse
Mortgage & Protection Adviser

Yanneke has worked in the Financial Services industry since 2012, working as a mortgage broker specializing in Buy to Let and Commercial Mortgages, including Homes with Multiple Occupancy, Limited Companies and Bridging Finance.

 

She also specialises in helping clients with their development finance needs, those who are self-employed and clients with previous credit issues.

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Cemil Davey-Duruk
Mortgage & Protection Adviser

I’ve worked in financial services since 2012, having held several roles with Yorkshire Building Society including specialising in mortgages since 2013.

 

While I already bring extensive knowledge and experience  to my role, I’m also currently advancing my professional development with the goal of becoming a fully qualified Financial Planner. 

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Becky Bates
Mortgage & Protection Adviser

Becky joined the Hoyl Group in September 2013 and has a wealth of mortgage experience and knowledge from working in the financial services industry since 1992.

 

Becky started her career working in the banking and building society sector before moving to specialise in the mortgage market.

 

From 2000, Becky has worked in a mortgage brokerage, giving advice on all aspects of mortgage business in both the prime and sub-prime mortgage market.

 

Adviser Management Team

Our Adviser Management Team have all previously been Advisers, and now use their combined knowledge, experience and high standards to help support and mentor our team of Advisers.
 
They have all either achieved, or are working towards Chartered Status - the profession's gold standard for financial planners. This clearly demonstrates an individual who is experienced, highly qualified, and has the highest professional and ethical standards. Each Chartered Associate has completed a suite of professional qualifications, which are the equivalent of a Bachelor's degree. This also requires a commitment to continued professional development and adherence to an industry standard Code of Ethics.
 
Our clients are the heart of our business, which is why we’re committed to making sure our Advisers only provide the highest standards of financial advice and service. Ethical conduct is a hallmark of any profession, and we uphold the highest level of honesty, integrity and ethical conduct, so that you can always be sure any advice we offer will always be in your best interests.
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Paul Wreford
Chartered Financial Adviser
MRes PFPS

Paul has worked in the financial services sector since the late 1970’s, advising both individual and corporate clients in all areas of financial planning, including the specialist, complex areas of occupational pension transfers, long-term care, and equity release.

 

As well as being a Chartered Financial Planner, he is also a Master of Research (MRes) focused in Financial Planning and Services. One of the founder members of the business, Paul has been a Director of Companies within the Hoyl Group since 2004, and his responsibilities now include the strategic development of the quality and direction of financial planning and investment advice within the business, as well as merger and acquisition activities

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Julian Elliott
Senior Adviser Operations Manager
DipPFS

Julian’s responsibilities include managing and mentoring our growing team of Financial and Mortgage Advisers.

 

Julian has considerable financial planning experience having worked in Financial Services for over 30 years including 13 years as a Financial Adviser in both the corporate and personal sectors. He is diploma Level 4 qualified and working towards achieving Chartered status.

Julian also works with the management team to help develop and deliver a clear vision and strategic direction for our Advisers, and his responsibilities also include senior level decision making for our day-to-day tactical, operational and development needs, helping to deliver strong results and business growth
 

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Adam Clarke
Adviser Operations and T&C Manager
Advanced DipFA Chartered ALIBF

Adam has over 10 years’ experience in Financial Services and has been awarded the prestigious title of 'Chartered Associate' by The London Institute of Banking and Finance. His previous roles in retail banking, as well as local, regional and national organisations, give him a unique insight into the operations of the financial services industry.

 

Adam’s role includes delivering our Training and Competency Scheme, so he’s responsible for helping our Advisers maintain their high standards. In addition, Adam also provides day-to-day support to both our Advisers and to the operation of the business.

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Dawn Colbrook
Director of Advisory Operations
AdvDipFA Chartered ALIBF

Dawn is responsible for the day-to-day running of Hoyl Independent Advisers and leads the commercial strategy for the business.

 

Dawn has considerable financial planning experience, having worked in the financial services industry for over 30 years, and has been awarded the prestigious title 'Chartered Associate'. She works with other members of the Management Team to develop the clear vision and strategic direction for all parts of the business, including support areas such as Administration, Paraplanning and IT, to make sure we’re always able to deliver an excellent client experience.

 

Her role also includes supporting acquisition growth strategies and ensuring the integration of people, processes and back-office capability to improve operational control and efficiency