Our Culture and Values

We are Independent Financial Fitness Coaches that help people secure their financial futures.  We provide holistic financial advice to a diverse range of Clients.

We specialise in Family Trust based planning structures that provide bloodline protection and generational planning to protect wealth and to ensure that it passes in the right direction to chosen beneficiaries.

A legal background also makes us well placed to help solicitors ensure that their clients get the best financial advice and support in respect of setting up trusts and suitable underlying investments, financial planning for deputies on behalf of the Court of Protection and divorce – we are Resolution accredited experts in pension share and post divorce financial planning.

Our aim is to help all our clients make the right financial decisions to reach their goals. We ask our clients to “dream your life and then live your dream“. Our financial fitness programmes underpin this philosophy.

Mission Statement
“To delight our Clients by continuously improving our service, developing our people and evolving our technology to deliver sustainable financial well-being for all.”

Our core values

We strive for continuous improvement with relentless client focus

We consider your planning needs and explore all the surrounding options

We question everything including ourselves

Whether your planning is simple or complex, details will make the difference

Say what you mean, mean what you say

Consumer Duty Rules – Making informed decisions and ensuring continued financial well-being

Consumer Duty rules, introduced in 2023, further enhance our client service and reinforce the need for all financial advice firms to act with integrity, provide reliable services, and ensure clients receive fair value. These principles reassuringly endorse our already ingrained client-first culture.

The rules introduce a new Consumer Principle, which requires all firms “to act to deliver good client outcomes”.

Our four desired outcomes for clients include:

1. The quality and suitability of products and services

Do the benefits you receive justify the price of our products or service?

2. Fairness in pricing and overall value

Do the products and services meet your needs? Will it help you achieve your
financial objectives?

3. Enhancing consumer comprehension

Do you fully understand the product or service and what you are signing up for? Is the product information accessible for you to read and understand?

4. Provision of effective consumer support

Are you receiving the support you need when you need it? Is the support being offered the proper support for your circumstances?

Treating Customers Fairly

Treating Customers Fairly (TCF) is integral to our business practices. It is a core element in the way we behave and transact business; our commercial dealings always take full account of the principle of Treating Customers Fairly.  We aim to provide full information to our clients covering the benefits, risks and costs of any recommended product or service provided.  Our intention is to inform in a fair and transparent way so that our clients can understand what they can reasonably expect from our service and from any policy or plan recommended.

We aim to honour all commitments we make to our clients. If any dissatisfaction should occur, we will investigate the underlying cause and take appropriate action whenever necessary.  Our reputation is important to us therefore client satisfaction is vital and Treating Customers Fairly is implicit in all our dealings.

Meet Your Team

Colin Tate

Financial Fitness Coach

Colin was a family lawyer for eighteen years. His legal background means he can empathise with clients going through the divorce process, as well as having an in-depth knowledge and understanding of each kind of dispute resolution – collaborative, mediation or ancillary relief. Colin left the legal profession in 2000 and retrained as a Financial Adviser.

He has grown up with a football background, playing for Brentford FC between the ages of 12 and 16. Semi-professional football followed until he joined QPR at the age of 18, playing for the club until he was 20. He returned to semi-professional football, playing until he was 36.

During that time Colin undertook a number of high profile divorce matters as a family lawyer.

Colin is a qualifying member of MDRT (Million Dollar Round Table). Founded in 1927, MDRT, the Premier Association of Financial Professionals®, is a global, independent association of more than 66,000 of the world’s leading financial services professionals in 72 nations and territories. MDRT membership is recognised internationally as the top tier standard of excellence in financial services business.

MDRT uses the concept of the “Whole Person” which was first presented by the philosopher Mortimer Adler. According to Adler,

Whole Persons are engaged in a lifetime quest to achieve balance and congruity in all aspects of their lives and continually seek to develop their full human potential”.

Outside work Colin is a keen golfer, studies Krav Maga and holds a first Dan black belt. He is married, with three children, and loves spending time with his family.

Kim Pickford

Personal Assistant/Office Administrator

Kim worked for Barclays Bank for 17 years carrying out several different roles. She then worked for Willis Owen (Execution Business Only) for 8 years as a client service adviser. Kim comes from and lives in Stevenage. She is married and her interests are holidays in the sun, swimming, reading and socialising with friends which should always include wine!

01582 462552

Gareth Alexander

Financial Fitness Coach

Gareth is a qualifying member of MDRT (Million Dollar Round Table). Founded in 1927, MDRT, the Premier Association of Financial Professionals®, is a global, independent association of more than 66,000 of the world’s leading financial services professionals in 72 nations and territories. MDRT membership is recognised internationally as the top tier standard of excellence in financial services business.

MDRT uses the concept of the “Whole Person” which was first presented by the philosopher Mortimer Adler. According to Adler,

“Whole Persons are engaged in a lifetime quest to achieve balance and congruity in all aspects of their lives and continually seek to develop their full human potential”.

Gareth is a Resolution (formerly Solicitors Family Law Association) Accredited Specialist.  He is one of only 75 Resolution Accredited financial planners in the UK. Resolution accredited specialists are members who have chosen to test their skills and expertise through a rigorous assessment of their knowledge, abilities and way that they work with clients and other people. Resolution specialists are proven experts in a range of areas of the law arising from family breakdown. Gareth’s Resolution Accreditation means that he can empathise with clients going through the divorce process, as well as having an in-depth knowledge and understanding of each kind of dispute resolution – collaborative, mediation or ancillary relief. He specialises in Pensions on Divorce matters and advises on various matters from analysis to implementation.

Outside work Gareth is a guide runner, keen cyclist, squash player and an erratic golfer, but still managed his first hole-in-one in 2018! He has completed 12 Marathons, 3 Ultra-Marathons an Ironman and 3 half-ironman triathlons. He participates in these challenges whilst raising money for various charities. Gareth is happily married with two children, and loves watching his son play Rugby and his daughter compete in her school Lacrosse team.

Lisa Henry

Personal Assistant/Office Administrator

Lisa holds the Chartered Insurance Level 3 Certificate in Financial Administration (Pension) and is currently studying towards the diploma in Personal Financial Services.

Lisa lives locally and her interests are socialising, fine wines, rugged men with large hands and nagging her husband, Darren.

+44 1582 462552