BSc (Hons) APFS CII
Fred is a Chartered Financial Planner covering Devon and Cornwall with over 8 years’ financial services experience supporting individuals, families and business owners achieve clarity and confidence with their finances through lifestyle financial planning.
Fred holds the Diploma in Financial Planning and is a member of the Personal Finance Society (PFS), part of the Chartered Insurance Institute (CII). Fred specialises in helping clients to live the best life they can, and helping people of all ages get a better understanding of personal finance.
Technical Excellence
All Financial Planners require a Diploma in Financial Planning to provide advice. Fred holds both the Diploma and the Advanced Diploma in Financial Planning. To achieve Chartered status, Financial Planners must hold Advanced Papers from the CII. Fred holds the following Advanced Financial Planning Papers:
Financial planning: Fred builds long-term strategies that align goals, resources, and lifestyle priorities.
Pension planning: He designs retirement solutions that balance security, flexibility, and tax efficiency.
Taxation and trusts: He structures wealth to protect assets, reduce tax exposure, and support succession.
Investment planning and Business financial planning: He develops portfolios that match objectives, risk tolerance, and time horizons.
