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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

IFA

Independent Financial Advisers

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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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Bruce Bailey
Independent Financial Adviser

I’ve worked in financial services since 2020, during which I’ve spent time in every area of Hoyl working alongside our most experienced advisers as I successfully completed my Diploma in Financial Advice. This has helped me gain valuable experience in delivering bespoke financial solutions for our clients while building trusted long-term relationships with them, also of course, and most importantly, our firm’s strong belief in ethical conduct.  

 

I currently provide independent whole of market advice in the areas of Retirement Planning, Investments and Protection.

I’m also a retained firefighter for Norfolk Fire Service, which is an unpredictable and rewarding role that shares many of the same values as being an Independent Financial Adviser - especially the satisfaction of providing a crucial service to our local community.   

I have worked in financial services since 2012, having held several roles with Yorkshire Building Society, including as a Mortgage Adviser.

I provide independent whole of market advice on retirement planning, investments and protection, and will take the time to fully understand your needs before recommending tailored financial solutions which work for you, both now and in the future. I always look to build long-term relationships with my clients, built on foundation of trust, open and honest conversations and Hoyl’s firm belief in robust ethical conduct.

When not in the office I enjoy the outdoors, my fitness and have also captained my local rugby team.

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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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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.

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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
Senior 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.

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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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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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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

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Alan Griffiths
Independent Financial Adviser

I’ve been providing financial advice tailored to my clients individual needs for over 30 years, gaining a wealth of experience whilst working as an adviser for a number of other large companies, building societies and financial advice firms.

I can advise in all areas of your financial planning, ensuring your current needs are met before helping you determine your future financial goals and aspirations and setting you on the best path to achieving them. What’s more, I’ll always make sure you fully understand my recommendations, using clear and simple terms, and none of the industry related jargon you might expect.

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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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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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George Everett-Elliott
Independent Financial Adviser

I have worked in financial services since 2017, gaining valuable experience as a Paraplanner while completing my Diploma in Financial Planning before then progressing to providing advice on investments, pensions, protection and estate planning, which I have been doing for several years now. My motivation is to provide an all-round approach to my clients financial planning needs, helping them achieve their goals and objectives while building a long lasting and trusted relationship. What’s more, I will always make sure my advice to you is set-out in a way which is clear and easy to understand, with none of the usual jargon you might expect.

 

Outside of work, I like to spend time with my family, with football being a key component of our family life, supporting my son and Derby County. I’m a keen gardener and love to travel and experience the different cultures and sceneries the world has to offer.

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Jo Highton
Chartered Financial Planner

Jo is a Chartered Financial Planner and a Fellow of the Personal Finance Society. Jo has worked in the financial services industry for over 20 years, helping clients make the most of their money, creating and protecting their wealth.

 

She is passionate about what she does and wants to help make a real difference in people’s lives and make things easy to understand. Jo works closely with clients to help them achieve their financial goals and maintain long term relationships, whilst guiding them through their different life stages.

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John Edwards
Chartered Financial Planner

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, qualifying as an Independent Financial Adviser within 2 years before going on to achieve Chartered Status, the ‘gold standard’ for financial planners.

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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. 

Hoyl are pleased to have supported Matthew for seven years as a seagoing crew member of the Cromer RNLI crew until February 2023.

As one door closes another opened and Matthew is now a Trustee and on a three year path to being Commodore of Hickling Sailing Club CIO.   

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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.

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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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Peter Naughton
Independent Financial Adviser

I’m dedicated to offering my clients comprehensive, high-calibre independent financial advice which will help them achieve their life goals by guiding them to make the very most of their financial resources.

 

I have held several roles in financial services before joining Hoyl in 2021, who I felt shared my belief in a strict ethical code of integrity, honesty and fairness - all of which are vital to delivering a service which exceeds client expectations.

 

During my time at Hoyl, I’ve worked with some of our most experienced advisers and gained invaluable insight into adding value to the client experience while building trusted, long term professional relationships founded on a basis of communication and trust.

 

I hold a diploma in regulated financial planning and provide whole of market independent advice in the areas of Pensions, Investments and Protection.

 

Outside of the office, I have a passion for football, skiing and rugby. I enjoy going on long country walks with my family dog and when time permits, travelling overseas and exploring new places. 

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Robert Beevor
Senior 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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Stuart Kennard
Independent Financial Adviser

I’ve worked in financial services since joining Aviva in 2010, where I held several roles before joining Hoyl as a Trainee Financial Adviser in 2021.

While completing my Diploma in Regulated Financial Planning I’ve worked alongside many of our most experienced advisers. This has helped me gain an in-depth understanding of the advice process together with a passion for providing clients with tailored financial solutions to meet their needs, both now and in the future, as I look to build long-term relationships built on trust, communication and Hoyl’s firm belief in robust ethical conduct.

I currently provide independent whole of market advice in the areas of Retirement Planning, Investments and Protection.

I also have a keen interest in history and studied part-time while completing an undergraduate degree through the Open University.

Mortgage Advisers

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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Billy Dexter
Mortgage & Protection Adviser

I’ve been at Hoyl since 2022, having previously gained extensive knowledge of the mortgage market while working for a building society, as I progressed towards becoming a Mortgage Adviser.

Once I had completed my Certificate in Mortgage Advice and Practice (CeMAP) during the pandemic, I went on to gain my Certificate in Regulated Equity Release and Level 4 CeMAP, so you can be sure I’m well qualified and have both the knowledge and experience to help you with your mortgage needs.

 

I’m passionate about helping you find the mortgage that’s right and achieving your property goals. What’s more, I can also recommend the cover you’ll need to protect what’s important to you if life should take an unexpected turn, searching the market to find you comprehensive cover at a competitive price.

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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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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.

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Helen Colbrook
Protection Adviser

I have a wealth of knowledge and experience of the protection markets, having joined Hoyl in 2014 supporting other advisers before going on to become an adviser myself.

 

Whether you’re looking to protect your mortgage for your new home, or your income to ensure you have peace of mind should you be unable to work long term, I can offer you trusted and independent advice while I help to find the best-suited plan for your individual needs. I can also make sure you and your loved ones are financially protected for years to come against death, illness, disability, an accident, sickness and unemployment, by recommending the cover that’s right for you.

 

Finally, I’ll take ownership of the whole process with a friendly and professional approach, making sure everything goes as smoothly as possible right from our first meeting through to your policies going on risk - saving you money, time and frustration!

Adviser Management Team

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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Ken Richards
Adviser Operations Manager
DipFA

Ken has over 35 years of experience in the financial services industry. He began his career as an adviser for some very well-known companies before progressing into a variety of management roles and then into Compliance in later years, working on a freelance basis for many large multi-national companies while continuing to have direct involvement in the provision of financial advice to clients as this has developed over the years. 
 
Ken joined Hoyl in a Compliance role in 2021. His main responsibilities involve Adviser Learning and Development, including arranging and delivering training to our advisers and coaching them on a one-to-one basis as needed. He also ensures our advisers are kept up-to-date with new products in the marketplace and developments within the financial services industry, while working with our marketing team to help promote the services we offer to potential clients.

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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

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Joanne Thompson
Adviser Operations Manager
DipFA

Jo has over 30 years’ experience in financial services industry, having held roles in regional building societies, smaller financial services companies and national IFA networks. Jo has a thorough knowledge of our clients’ needs and expectations and is focussed on making sure we deliver a positive experience at every stage of their relationship with us.

Jo’s responsibilities include the management and delivery of our Training and Competency activities, making sure we comply with all regulatory needs while also working to review, develop and manage our training and competency scheme for our business and advisers, including the supervision of individual advisers.

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Steven Andrews
Adviser Operations Manager
DipFA

Steven has worked in financial services for over 20 years, initially as a financial adviser before progressing to management roles in the banking sector covering various UK geographical locations. Steven has great experience in the development of individuals across both financial and mortgage adviser roles.

 

Steven joined Hoyl in early 2022. He is responsible for oversight of Create Financial Management, the mortgage teams across the group and mentoring and providing ongoing support to all colleagues as they develop through their personal development plans or our apprenticeship scheme.

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