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Financial

Advisors

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Our specialist team of financial advisors and consultants are here to help. We have over 25 years of experience in order to provide the best financial advice to meet our customers needs and circumstances.

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Simplicate and lightness’ – Colin Chapman

I was born and grew up in North London (except for an 18 month sojourn in Switzerland in the early 1960’s). My parents moved to Suffolk when I was about 17 where I continued in education at what was then Ipswich Civic College. At the age of about 20 I moved to Sunderland to study to be a teacher, with geography as my core subject.  Soon after starting the course I decided that teaching was not the career for me, and went off to drive vans – my hippy period, you might say.  Having met a beautiful woman, who for reasons I still cannot fully understand agreed to marry me, I realised that I needed a proper job and embarked upon a career in Civil Engineering, which I qualified and worked in for about 15 years. Over that time it progressively dawned on me that what I really wanted, and what I was best suited to, was to run my own business. Luckily I was made redundant and was free to take up an opportunity in direct sales of home improvements that taught me a huge amount about people and life, but had no real prospect of becoming a ‘business’.  At that time, in the late 1980’s, retail financial services was booming and after quite a bit of research and thinking it seemed to me that there was the opportunity to make an actual retail financial services business.  After two and half years of basic training with L&G I joined a local IFA firm and developed their Ipswich office, which is where I met David (Williams) and Tyrone (Woodward).  And in 1995 we set up WFW.

At the time the industry was predominantly commission based, with advisors receiving commission from products they sold as opposed to being paid fees for the advice they gave. We saw that a way to differentiate ourselves and to create a sustainable and accountable business was not just to be ‘independent’ but also to be absolutely transparent with our remuneration. And with the client as the centre of our advice, not as targets for sales. This is how we started and have continued to trade ever since. Although the industry has also changed to become increasingly fee based, we are proud to say that we were in the vanguard of that movement.

One of the greatest changes I have seen during my career is the huge development of technology. For adviser firms IT has revolutionised the efficiency of data management for much improved client relationships.  IT has also changed the whole landscape of the retail FS industry.  Properly equipped adviser firms can now do much of the work previously carried out by the insurance and investment provider’s front and back offices.  Platform providers – essentially vast databases – now dominate the investment administration market.  Portal systems enable secure data exchange.  Digital underwriting has transformed life insurance.  And all of these services can be easily networked with our in-house CRM system.  At the same time quality has gone up and prices have gone down in every area, with one exception.

The exception being regulationism. Regulatory expansionism has added huge overhead costs to all areas of financial services and these costs always fall on one, or a combination of; employees, owners, (or mostly) clients and customers.  Clients predominantly foot the bill for all this bureaucracy.

What I find to be most rewarding about what we do is the relationships that we build with our clients. Our clients are long term and we are pleased to support them with during their largest financial life events. This gives us a unique bond that we honour by ensuring that we do the very best for them, especially during times of need. A memorable example being a client that became tragically widowed almost immediately after her husband had retired. He had left her in a financially stable position, but she had no understanding of how best to organise her assets. And what they were and where they were. We helped to organise her affairs so that not only did she have clarity but she had the confidence to move forward and make decisions to reflect her changed circumstances. Among other things she downsized her home, reorganised (with our help) all her investments and can now enjoy a regular and sustainable income and therefore live a comfortable life. We have subsequently helped her daughter and will continue to support her for as long as she needs us too. This is the type of relationship that is unique to financial advisers and a privilege to be apart of.

When I am not at the office, I like to spend time with my wife, our four children and their ever-expanding families (including 6 grandchildren…and counting). We all love the countryside. We are all keen on walking. On non-work days my wife and I will take one or more walks with our dog. At the weekends you can find me in my shed, where my background in engineering and my interest in ‘fixing’ things means I can waste hours fettling whatever project is currently taking my fancy – currently a car I am building.  But, where I am happiest (ex family) is motor racing. A good friend and I have been racing and maintaining historic racing cars for more than 35 years.  We have raced all over the UK and quite a bit of the Continent.

Over the next year I will continuing to develop and grow Williams Farrall Woodward and support my staff with all the resources and training they need. Now more than ever we need to be a sound resource and I intend that WFW will deliver the best and most reliable service it can.

‘Live long and prosper’ – Vulcan Salute

After spending my childhood in South Wales, I left the Valleys at the age of 18 in order to read Geography & Geology at Plymouth University. I specialised in Mathematical Geography and Land Surveying and attained the status as chartered surveyor in 1983.  I spent 15 years travelling and working in many different countries, including the Middle East. In 1990 I was made redundant and decided to look at other career opportunities. This led me into financial services, and in the early 1990’s I retrained to become an Independent Financial Adviser. Latterly, together with Steven (Farrall) and Tyrone (Woodward) we established Williams Farrall Woodward (WFW) in 1993.

From outset at WFW it was important to us to be a fee charging firm with an emphasis on holistic planning as opposed to product selling, which, at the time, was considered to be radical and probably revolutionary within the Financial Services world.   I am pleased to say, years later, that this is now common practice throughout much of our profession. During my 31 years as an adviser I have seen a large increase in professionalism and the growth of real retail financial services businesses, as opposed to one-man band lifestyle product salesmen.

Throughout my career I have always found what we do both interesting and rewarding.  Every client is unique and our dynamic industry means we are constantly growing and changing our perspectives and strategies to suit. I have always enjoyed problem solving, and this is what we do for our clients everyday. I gain enormous satisfaction from saving my clients money (and most of all from effective tax planning).  There is nothing quite like seeing someone comforted by the clear picture our forward projections can paint when they are considering retirement planning. For one of my clients, I can remember very specifically, how relieved they felt when they realised that they could leave their job sooner than expected.  To them, it had become an absolute chore to go into work. They came to us for advice about their retirement (which they thought was much further away), and through our calculations and insights, we explained that they could actually leave their jobs now and enjoy the comfortable lifestyle they wanted. We arranged all of their retirement provisions so they were both manageable and intelligently invested and they have been praising us with gratitude (and also with continual referrals) ever since. I think is an excellent example of the types of relationships we build and nurture at WFW. We are dedicated to our clients, and their continued support confirms that what we do does add value to their lives. This confidence is reinforced by the way our clients refer our firm to other people.

I think the recent pandemic is also going to increase the need for guidance, COVID 19 is a life changer for all and many are going to need to seek advice to help cope with these changes.

When I’m not at WFW you can find me working on my allotment, where I take great pride in growing my own fruits and vegetables. At the weekends I enjoy taking long walks in the country, as I’m a passionate environmentalist and am happiest when surrounded by nature. I prioritise fitness in my personal life and like to make time for both the tennis court and swimming pool. In recent years I have found a keen interest in yoga and subsequently meditation, and now, without my morning stretch, I would be off kilter for the rest of the day.

Over the next year I will be dedicated to helping my clients with the inevitable changes in the financial world. WFW, although adaptable, has strong fundamentals which I am confident will be of assistance to many current and new clients.

I am gradually reducing my hours at work, ‘practising what I preach’, leading to my own retirement.  I have a hankering to improve my knowledge of conversational Welsh and have been exploring my roots back in Wales.

“If you can’t influence or control something then don’t worry about it” – Mr Mullet (English teacher) Copleston Secondary School 1970.

I joined Williams Farrall Woodward in 2012 as a senior financial Advisor. Previous to that I had been a financial advisor for 18 years either employed or as a sole trader.

Having grown up in Ipswich I am a Suffolk boy through and though.  I started my working life in taxation and then moved into management accountancy. In 1995 I was approached by an acquaintance who worked for the Cooperative Insurance Society to ask if I was interested in a career change to insurance adviser – I was! And therefore accepted. The skills I had learnt in accountancy, for example; asset valuation, and risk assessment, translated well into the world of insurance and I quickly realised that financial planning was not only well suited to me, but far more enjoyable.  In due course it became clear that I could serve my clients better by leaving the restricted advice offered by the Cooperative society to become an Independent Financial Adviser (IFA), which I did in 2003.

Since the days of ‘knocking on doors’ I have been passionate about helping people, and as I was a rather shy and introverted young person I think that these years were incredibly helpful to me by developing my confidence and communication skills. I can clearly remember a day when, an elderly individual answered his door but seemed very low spirited.  From our conversation I established he was worried because he needed more income but was very concerned he might lose his capital if he tried to move it.

I do not think the man ever thought that this ‘lad’ knocking on his door would be able to describe and offer a safe and sound solution. And I did not previously think I would ever be in the position to help someone in a way that would easily increase their personal freedom. He invited me, and even now, many years later, I still act for him.

Over the years I have witnessed many changes within the Insurance industry. Most notable have been numerous and almost annual changes to regulation and taxation.

These changes have had a considerable impact on investments and the net returns available.

As an advisor I know that it is my duty to provide clarity to all my clients. I think one of my keys skills is being able to unravel complex client problems in order to get them to prioritise what is important, and then educating my clients so they understand their position and their options.

What I like most about my job is solving people’s predicaments, the satisfaction that comes with making someone else’s life easier and simpler.

I think that the Covid pandemic will have a big effect on our industry. The rise in unemployment, inflation and interest rates will most likely see more people seeking advice. A lot of people will be affected by job insecurity and volatile earnings so this undoubtably will have a knock-on effect regarding their priorities and tough times could be ahead. I imagine many people who would not normally seek advice will now find it important to do so.

At the weekends I like to spend my time in the garden or on my allotment.  I am passionate about growing fruit and veg, and many of my friends and colleagues benefit from the fruits of my labours (quite literally). I enjoy DIY and making things and there is always something in the house that needs mending or fixing.

I am a community person and have a been town councillor for many years. I enjoy travel and I am always looking forward to my next trip. This year (covid permitting) I intend to visit Austria. I also enjoy Ballroom and Latin dancing (all be it a bit rusty these days although you never entirely forget the steps).

I am happiest when I am out and about discovering the charms of my county, it fascinates me that after all this time my beautiful Suffolk still has so much to offer.

Over the next year I will be moving on to my own retirement, I am confident that all the clients I have worked with earlier in my career and at Williams Farrall Woodward will continue to be valued and well looked after by our younger advisers and our support staff.

‘A noble spirit embiggens the smallest man.” – Jebediah Springfield

I joined Williams Farrall Woodward in August 2018 and I achieved fully qualified IFA status shortly afterwards.

From an age where you start to consider your future career, I knew that I wanted to work in an office environment. The prospect of working outside in the cold never appealed.

After completing my degree in Business Management, I worked for various pension providers and a pension transfer specialist. During this time, I had a number of roles, from administration to team management. I found that the thing I enjoyed most was working with clients and therefore when the chance to join WFW came along, I felt this would be the perfect next step.

One of the things that I enjoy most about working for WFW is being part of a small collective team. We all know our clients and this atmosphere provides the opportunity to develop lasting client relationships. We all take responsibility to know each case thoroughly, and I believe our clients respond well to the comfort of a consistent adviser with the support of the entire team.

It brings me satisfaction to build trust with my clients so that they feel comfortable in picking up the phone for just a quick query. It is important to me that as a firm we prioritise making time for clients no matter how big or small their questions or value of their wealth.

As an adviser I consider an important part of my role is supporting clients to both understand and efficiently organise their finances in a way that suits their needs. I aim to encourage clients to think about their finances holistically rather than as an individual ‘problem’. During what is only the beginning of my career, I have witnessed many changes to the industry and I recognise that it is vital that we remain fluid and adaptable for the benefit of our clients.

I believe the pandemic will have affected peoples need for financial advice in different ways. But most importantly I think that it will highlight for many the importance of good financial planning and wealth management.

I am currently working towards chartered status and I aim to achieve this in the next 12 to 18 months. I am a firm believer in the importance of lifelong learning and developing my skills within my role.

Outside of WFW I love spending time with my family. I enjoy keeping fit, and I’ll often be found running along the seafront close to my home. My other main passion in life is Ipswich Town Football Club who I have supported since I was a young boy. I have followed the team home and away, including trips to Moscow, Milan and Belgrade.

I am excited by both the future of my industry and my personal development within Williams Farrall Woodward, and I look forward to what the following years will bring.

‘Simplicate and lightness’ – Colin Chapman

I was born and grew up in North London (except for an 18 month sojourn in Switzerland in the early 1960’s). My parents moved to Suffolk when I was about 17 where I continued in education at what was then Ipswich Civic College. At the age of about 20 I moved to Sunderland to study to be a teacher, with geography as my core subject.  Soon after starting the course I decided that teaching was not the career for me, and went off to drive vans – my hippy period, you might say.  Having met a beautiful woman, who for reasons I still cannot fully understand agreed to marry me, I realised that I needed a proper job and embarked upon a career in Civil Engineering, which I qualified in and worked in for about 15 years. Over that time it progressively dawned on me that what I really wanted and was best suited to was to run my own business. Luckily I was made redundant and was free to take up an opportunity in direct sales of home improvements that taught me a huge amount about people and life, but had no real prospect of becoming a ‘business’.  At that time, in the late 1980’s, retail financial services was booming and after quite a bit of research and thinking it seemed to me that there was the opportunity to make an actual retail financial services business.  After two and half years of basic training with L&G I joined a local IFA firm and developed their Ipswich office, which is where I met David (Williams) and Tyrone (Woodward).  And in 1995 we set up WFW.

At the time the industry was predominantly commission based, with advisors receiving commission from products they sold as opposed to being paid fees for the advice they gave. We saw that a way to differentiate ourselves and to create a sustainable and accountable business was not just to be ‘independent’ but also to be absolutely transparent with our remuneration. And with the client as the centre of our advice, not as targets for sales. This is how we started and have continued to trade ever since. Although the industry has also changed to become increasingly fee based, we are proud to say that we were in the vanguard of that movement.

One of the greatest changes I have seen during my career is the huge development of technology. For adviser firms IT has revolutionised the efficiency of data management for much improved client relationships.  IT has also changed the whole landscape of the retail FS industry.  Properly equipped adviser firms can now do much of the work previously carried out by the insurance and investment provider’s front and back offices.  Platform providers – essentially vast databases – now dominate the investment administration market.  Portal systems enable secure data exchange.  Digital underwriting has transformed life insurance.  And all of these services can be easily networked with our in-house CRM system.  At the same time quality has gone up and prices have gone down in every area, with one exception.

The exception being regulationism. Regulatory expansionism has added huge overhead costs to all areas of FS and these costs always fall on one or combination of employees, owners or mostly, clients and customers.  Clients predominantly foot the bill for all this bureaucracy.

What I find to be most rewarding about what we do is the relationships that we build with our clients. Our clients are long term and we are pleased to support them with during their largest financial life events. This gives us a unique bond that we honour by ensuring that we do the very best for them, especially during times of need. A memorable example being a client that became tragically widowed almost immediately after her husband had retired. He had left her in a financially stable position, but she had no understanding of how best to organise her assets. And what they were and where they were. We helped to organise her affairs so that not only did she have clarity but she had the confidence to move forward and make decisions to reflect her changed circumstances. Among other things she downsized her home, reorganised (with our help) all her investments and can now enjoy a regular and sustainable income and live a comfortable life. We have subsequently helped her daughter and will continue to support her for as long as she needs us too. This is the type of relationship is unique to financial advisers and a privilege to be apart of.

When I am not at the office, I like to spend time with my wife, our four children and their ever-expanding families (including 6 grandchildren…and counting). We all love the countryside. We are all keen on walking. On non-work days Caroline and I will take one or more walks with our dog. At the weekends you can find me in my shed, where my background in engineering and my interest in ‘fixing’ things means I can waste hours fettling whatever project is currently taking my fancy – currently a car I am building.  But, where I am happiest (ex family) is motor racing. A good friend and I have been racing and maintaining historic racing cars for more than 35 years.  We have raced all over the UK and quite a bit of the Continent.

Over the next year I will continuing to develop and grow Williams Farrall Woodward and support my staff with all the resources and training they need. Now more than ever we need to be a sound resource and I intend that WFW will deliver the best and most reliable service it can.

‘Live long and prosper’ – Vulcan Salute

After spending my childhood in South Wales, I left the Valleys at the age of 18 in order to read Geography & Geology at Plymouth University. I specialised in Mathematical Geography and Land Surveying and attained the status as chartered surveyor in 1983.  I spent 15 years travelling and working in many different countries, including the Middle East. In 1990 I was made redundant and decided to look at other career opportunities. This led me into financial services, and in the early 1990’s I retrained to become an Independent Financial Adviser. Latterly, together with Steven (Farrall) and Tyrone (Woodward) we established Williams Farrall Woodward (WFW) in 1993.

From outset at WFW it was important to us to be a fee charging firm with an emphasis on holistic planning as opposed to product selling, which, at the time, was considered to be radical and probably revolutionary within the Financial Services world.   I am pleased to say, years later, that this is now common practice throughout much of our profession. During my 31 years as an adviser I have seen a large increase in professionalism and the growth of real retail financial services businesses, as opposed to one-man band lifestyle product salesmen.

Throughout my career I have always found what we do both interesting and rewarding.  Every client is unique and our dynamic industry means we are constantly growing and changing our perspectives and strategies to suit. I have always enjoyed problem solving, and this is what we do for our clients everyday. I gain enormous satisfaction from saving my clients money (and most of all from effective tax planning).  There is nothing quite like seeing someone comforted by the clear picture our forward projections can paint when they are considering retirement planning. For one of my clients, I can remember very specifically, how relieved they felt when they realised that they could leave their job sooner than expected.  To them, it had become an absolute chore to go into work. They came to us for advice about their retirement (which they thought was much further away), and through our calculations and insights, we explained that they could actually leave their jobs now and enjoy the comfortable lifestyle they wanted. We arranged all of their retirement provisions so they were both manageable and intelligently invested and they have been praising us with gratitude (and also with continual referrals) ever since. I think is an excellent example of the types of relationships we build and nurture at WFW. We are dedicated to our clients, and their continued support confirms that what we do does add value to their lives. This confidence is reinforced by the way our clients refer our firm to other people.

I think the recent pandemic is also going to increase the need for guidance, COVID 19 is a life changer for all and many are going to need to seek advice to help cope with these changes.

When I’m not at WFW you can find me working on my allotment, where I take great pride in growing my own fruits and vegetables. At the weekends I enjoy taking long walks in the country, as I’m a passionate environmentalist and am happiest when surrounded by nature. I prioritise fitness in my personal life and like to make time for both the tennis court and swimming pool. In recent years I have found a keen interest in yoga and subsequently meditation, and now, without my morning stretch, I would be off kilter for the rest of the day.

Over the next year I will be dedicated to helping my clients with the inevitable changes in the financial world. WFW, although adaptable, has strong fundamentals which I am confident will be of assistance to many current and new clients.

I am gradually reducing my hours at work, ‘practising what I preach’, leading to my own retirement.  I have a hankering to improve my knowledge of conversational Welsh and have been exploring my roots back in Wales.

“If you can’t influence or control something then don’t worry about it” – Mr Mullet (English teacher) Copleston Secondary School 1970.

I joined Williams Farrall Woodward in 2012 as a senior financial Advisor. Previous to that I had been a financial advisor for 18 years either employed or as a sole trader.

Having grown up in Ipswich I am a Suffolk boy through and though.  I started my working life in taxation and then moved into management accountancy. In 1995 I was approached by an acquaintance who worked for the Cooperative Insurance Society to ask if I was interested in a career change to insurance adviser – I was! and therefore accepted. The skills I had learnt in accountancy – asset valuation and assessing risk all translated well into the world of insurance and I quickly realised that financial planning was not only well suited to me, but far more enjoyable.  In due course it became clear that I could serve my clients better by leaving the restricted advice offered by the Cooperative society to become an Independent Financial Adviser (IFA), which I did in 2003.

Since the days of ‘knocking on doors’ I have been passionate about helping people, and as I was a rather shy and introverted young person I think that these years were incredibly helpful to me by developing my confidence and communication skills.

I can clearly remember an elderly individual answered his door but seemed very low spirited.  From our conversation I established he was worried because he needed more income but was very concerned he might lose his capital if he tried to move it.

I do not think the man ever thought that this lad knocking on his door would be able to describe and offer a safe and sound solution. And I did not previously think I would ever be in the position to help someone in a way that would easily increase their personal freedom. He invited me, and even now, many years later, I still act for him.

Over the years I have witnessed many changes within the Insurance industry. Most notable have been numerous and almost annual changes to regulation and taxation.

These changes have considerable impact on investments and the net returns available.

As an advisor I know that it is my duty to provide clarity to all my clients and I think one of my keys skills is being able to unravel complex client problems and in order to get them to prioritise what is important and then educating my clients so they understand there position and there options.

What I like most about my job is solving people’s predicaments, the satisfaction that comes with making someone else’s life easier and simpler.

I think that the Covid pandemic will have a big effect on our industry. The rise in unemployment, inflation and interest rates will most likely see more people seeking advice. A lot of people will be affected by job insecurity and volatile earnings so this undoubtably will have a knock-on effect regarding their priorities and tough times could be ahead. I imagine many people who would not normally seek advice will now find it important to do so.

At the weekends I like to spend my time in the garden or on my allotment.  I am passionate about growing fruit and veg, and many of my friends and colleagues benefit from the fruits of my labours (quite literally). I enjoy DIY and making things and there is always something in the house that needs mending or fixing.

I am a community person and have a been Town councillor for many years. I enjoy travel and always looking forward to my next trip. This year (covid permitting) I intend to visit Austria. I also enjoy Ballroom and Latin dancing (all be it a bit rusty these days although you never entirely forget the steps).

I am happiest when I am out and about discovering the charms of my county, it fascinates me that after all this time my beautiful Suffolk still has so much to offer.

Over the next year I will be moving on to my own retirement, I am confident that all the clients I have worked with earlier in my career and at Williams Farrall Woodward will continue to be valued and well looked after by our younger advisers and our support staff.

‘A noble spirit embiggens the smallest man.” – Jebediah Springfield

I joined Williams Farrall Woodward in August 2018 and I achieved fully qualified IFA status shortly afterwards.

From an age where you start to consider your future career, I knew that I wanted to work in an office environment. The prospect of working outside in the cold never appealed.

After completing my degree in Business Management, I worked for various pension providers and a pension transfer specialist. During this time, I had a number of roles, from administration to team management. I found that the thing I enjoyed most was working with clients and therefore when the chance to join WFW came along, I felt this would be the perfect next step.

One of the things that I enjoy most about working for WFW is being part of a small collective team. We all know our clients and this atmosphere provides the opportunity to develop lasting client relationships. We all take responsibility to know each case thoroughly, and I believe our clients respond well to the comfort of a consistent adviser with the support of the entire team.

It brings me satisfaction to build trust with my clients so that they feel comfortable in picking up the phone for just a quick query. It is important to me that as a firm we prioritise making time for clients no matter how big or small their questions or value of their wealth.

As an adviser I consider an important part of my role is supporting clients to both understand and efficiently organise their finances in a way that suits their needs. I aim to encourage clients to think about their finances holistically rather than as an individual ‘problem’. During what is only the beginning of my career, I have witnessed many changes to the industry and I recognise that it is vital that we remain fluid and adaptable for the benefit of our clients.

I believe the pandemic will have affected peoples need for financial advice in different ways. But most importantly I think that it will highlight for many the importance of good financial planning and wealth management.

I am currently working towards chartered status and I aim to achieve this in the next 12 to 18 months. I am a firm believer in the importance of lifelong learning and developing my skills within my role.

Outside of WFW I love spending time with my family. I enjoy keeping fit, and I’ll often be found running along the seafront close to my home. My other main passion in life is Ipswich Town Football Club who I have supported since I was a young boy. I have followed the team home and away, including trips to Moscow, Milan and Belgrade.

I am excited by both the future of my industry and my personal development within Williams Farrall Woodward, and I look forward to what the following years will bring.

allows us to create a report based on a variety of scenarios, such as predicted retirement incomes, the impact of equity release, or increases in capital such as inheritance. This will provide you with a full and quantifiable picture of your options, so that you have as much information as possible to make informed decisions on your financial future. After this assessment we provide you with a full report so that you can continually reference why and how you are working towards attaining your interim goals.

We can review and amend this cash flow trajectory at any point if you would like to address any additional ‘what if’ scenarios, or if you have unpredicted changes in your finances or personal circumstances.

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