Here to guide you every step of the way

We help people make the best decisions about their wealth at every stage of life.

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What we do

We help individuals and businesses with a variety of financial matters. These include putting protection in place for loved ones, investing money, or planning for retirement. Our services cater for every stage of life:

20s-30s

Whether you are buying a home, raising a family or seeking financial independence, we will help you to save, strategise and secure the future you want.

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40s-50s

With family, finances and the future to juggle, it can be hard to get financially organised alone. We will ensure you can enjoy the present; without compromising the future.

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60+

Whether you are preparing for retirement or already retired, we will help you to organise your wealth and achieve the lifestyle you have worked so hard for over the years.

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Who we are

We are a firm of Independent Financial Planners based in Liverpool and London.

We pride ourselves on having successive generations of clients continue to value our advice.

We believe the following aspects of our service help us to stand out from the crowd:

  • Organisation
  • Accountability
  • Objectivity
  • Proactivity
  • Education
  • Partnership

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How can we help?

If you are seeking the help of a financial professional, you might have some questions. Below are some examples of the questions you might have; we will help to resolve your concerns and clarify what the future might hold during a face-to-face meeting.

Can we afford to live the life we want to live when we retire?

Everyone’s desired retirement lifestyle is unique. It is important to first identify what yours looks like. We will help you to define yours, then work with you to align your money with your aspirations.

When will we be able to choose to stop working?

We all want to be able to retire on our own terms. We will help you to understand and optimise your wealth, so that you can retire with confidence when the time is right.

How do I sort out my pensions?

It can be difficult to know what sort of retirement income your pensions will provide. We will analyse your pensions and overall wealth, then recommend any changes needed to achieve the retirement you want.

Can we manage financially if one or both of us needs long-term care?

In life, it can help to expect the unexpected. If you or your partner requires long-term care because of an illness or disability, we will ensure you have the security of a robust financial plan.

How would one of us being unable to work affect our finances?

If illness or redundancy means you or your partner can no longer work, it is essential you have a plan in place. We will help you to safeguard your family and wealth against long periods of time without income.

What happens to my partner if I die (or to me if they die)?

It can be difficult to think about life without your partner. Nevertheless, we will help you to prepare well and ensure that you are financially secure no matter the circumstances.

Am I taking the right amount of risk with my investments?

It is essential that you take the appropriate amount of risk with your investments. If you do not, you risk disappointment. We will ensure your money is invested in line with your goals and preferences.

Can we afford to help our family financially?

Many of us would like to support family; both in our lifetimes and after we have gone. We will help you to strike the perfect balance between an enjoyable retirement and a meaningful legacy for your loved ones.

What our clients say

We’re incredibly proud of the work we do. Here are the real words of real clients.

Matt has been my financial adviser for many years. During this time, he has always made himself available to advise on any matters that I have been concerned about. He has become a valued friend, with a wealth of financial knowledge.

Angela Payne

Twenty years ago, my accountant recommended Matt Webb as a first-class financial adviser and that has proved to be the case. He is always courteous and ready to explain any questions I may have.

Alan Young

Matt has been our financial adviser for a number of years now and we look forward to working with him for many years to come. His expertise, advice, guidance and reliability has been at the heart of the trusting relationship from which we benefit.

Lynne & Jim Newsome

I suffered a stroke at 58 and had to stop working to focus upon my recovery. PWS’s input was invaluable. They convinced me and my wife that we had amassed sufficient wealth to enable early retirement. I am now 61 and have made a full recovery and enjoy my retirement in the knowledge that I have a “financial partner” in PWS to allay my natural anxiety given the uncertainty we all have to navigate.

DK

Matt has a very good understanding of his clients’ needs and nothing is ever too much trouble. Matt is very knowledgeable and explains everything clearly and in sufficient detail to enable an informed decision to be made. He deals with everything quickly and efficiently and responds promptly to every query. I wouldn’t hesitate to recommend Matt to anyone seeking any form of financial advice.

Danny

I have used the services of PWS for over ten years now. I have found their services and advice to be clear, efficient and prompt at all times. It has been refreshing to work with a company that is proactive and gives peace of mind that you really are receiving considered advice that specifically suits individual needs. I have had no hesitation in recommending PWS to personal friends as well as colleagues. Thanks Mo and your exceptional team - see you soon!

Phil Brown

I was introduced to Steve in 2008. I genuinely trust and appreciate the professional advice given to me and my family. The ongoing investment and pension advice has been invaluable through the good and the bad times and I have had no hesitation in recommending Steve to family and friends.

John Sutton

PWS Financial Consulting Ltd have been our financial advisers since 2005. They have always offered sound financial advice based on our investment objectives as well as our personal needs. They keep in regular contact and provide us with ongoing financial advice as our needs and markets change. They take the time needed to fully explain our options and to guide us in an appropriate direction. We feel as though they truly care about us, our finances and our future.

J & ME Leimanis

(Mohit) Thank you so much for helping me by sorting out my retirement, pensions and general finances. You managed to improve my financial gains through astute financial management, and greatly help reduce my losses during the crash a number of years ago. It helps so much when you speak in a down-to-earth manner, which assists my decision-making going forward.

A. W-Dyer

Having been a client of PWS for over 20 years, I cannot recommend them too highly. The levels of professionalism and product knowledge are excellent. They are fully interested in client and family circumstances and provide continuity of personnel which is crucial for client comfort. Their fees are realistic, and they make ease of consultation a priority. I would not hesitate to recommend their services.

T.G

I have been fortunate enough to have Matt as my financial adviser for over 10 years and during this time he has seen me and my husband through some major life events. These have included my own unexpected ill-health retirement and also for my husband, his cancer diagnosis, financial planning around this, his retirement and subsequent death. Throughout everything Matt has always been very personable, thorough, informed, efficient, responsive and has always dealt with us with great care and understanding, giving tailored advice to our own specific situation. Matt’s advice and support have made very difficult moments in our lives more manageable and have given me and my family a great base for a financially safe and comfortable future. I would not hesitate to highly recommend Matt as a financial advisor and I am very grateful that he has looked after us so well for so long.

Elizabeth

Meet the team

Andrew Robertson

Managing Director & Financial Planner

Andrew has worked in financial services for more than 30 years. After training at Norwich Union, he has been with PWS for 28 years and has been Managing Director for 16 years.

Meet Andrew

Jonathan Barlow

Director & Financial Planner

Jonathan is a Director and Financial Planner specialising in pension planning. He enjoys making a real difference to our clients’ lives and businesses.

Meet Jonathan

Mohit Saini

Director & Chartered Financial Planner

Mohit specialises in working with business owners and high net worth individuals. He is a Chartered Financial Planner; an accreditation indicative of his dedication to ongoing personal development.

Meet Mohit

Nick Grogan

Chartered Financial Planner

Nick has worked in financial services for ten years. He is a highly-qualified Chartered Financial Planner, a Certified Financial Planner and a Fellow of the Personal Finance Society.

Meet Nick

Matt Webb

Financial Planner and Mortgage Adviser

Matt has been providing independent financial advice for 22 years; helping clients to achieve their financial goals through comprehensive advice.

Meet Matt

Mark Crighton

Mortgage Adviser

Mark works closely with our financial advisory team, providing mortgage advice and solutions for new purchases, remortgages, Buy to Let and commercial deals.

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Marie Clark

Office Manager

As our Office Manager, Marie’s role is to ensure the smooth running of our office’s processes and procedures: everything from compliance to management, banking, payroll and recruitment.

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Karen Kelly

Financial Administrator

Karen’s career has spanned roles at Royal Insurance, Norwich Union, Burns Crosson Ltd and finally PWS. Her role involves providing support for our advisers and clients.

Meet Karen

Emma Caffrey

Financial Administrator

Emma’s role varies between marketing, mortgages and commissions. She enjoys working with such a great group of people – no two days are the same!

Meet Emma

Helen Sullivan

Financial Administrator

As one of our Financial Administrators, Helen’s role involves providing office support to our team and client support to the people we work with.

Meet Helen

Michelle Bonello

Financial Administrator

Having previously worked as a Client Services Officer, helping British expatriates living in Europe, Michelle recently joined the PWS team as a Financial Administrator.

Meet Michelle

Stephanie Winder

Financial Administrator

Stephanie supports our advisers with both new and ongoing client cases. She prepares client meetings, processes new business and is a friendly port of call for the people we work with.

Meet Stephanie

Jake Lloyd

Financial Administrator

Jake is a friendly point of contact for our clients and is always working on developing his skills. He has completed his Diploma in Financial Services and is now working towards Chartered Financial Planner status.

Meet Jake

Florin Nitescu

Trainee Financial Administrator

Florin studied Banking and Finance at university and is currently working towards his Diploma in Financial Planning whilst training to become a Financial Administrator.

Meet Florin

Steven Milford

Financial Planner

Steve began working in financial services in 2005 and became an adviser in 2008. He embraces technology and enjoys meeting clients regularly.

Meet Steven

Janet Whittle

Meet Janet

Chris Oldfield

Associate Director & Financial Planner

Chris has worked in financial services for more than 25 years. His career has spanned various roles at Royal Insurance, NatWest Life, Eagle Star and other Independent Financial Advisory firms.

Meet Chris
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