Heather was also one of the first advisers in the country to be awarded the Chartered Financial Planner title.  She has also achieved the international standard in financial planning, holding a CFP license as a Certified Financial Planner from the Institute of Financial Planning.
Heather is a Fellow of the Chartered Insurance Institute, and a Fellow of the Personal Finance Society - qualifications that have been achieved through a rigorous examination process, combined with relevant client and technical related experience of over 25 years. She is also an Associate of the Institute of Financial Planning.

In 2002 Heather was delighted to be awarded the accolade of 'The Most Meritorious Completion of the Advanced Financial Planning Certificate' by the Birmingham Insurance Institute.   This achievement is reflected in her enthusiasm and diligence when working with technically complicated issues on behalf of her clients.

Her suite of qualifications include investment, financial planning and tax papers, and the specialist G60 pensions paper.  This is a Regulatory requirement in certain aspects of financial planning. The introduction of the so-called Pensions Simplification regime in 2006 led to a further series of complications to pensions legislation, often requiring specialist advice.  She is approved to advise members of the Universities Superannuation Scheme and also holds the qualifications for advising on Long Term Care and the Mortgage Advice Qualification. 

Heathers clients are typically planning for, or approaching retirement, considering their potential Inheritance Tax liabilities, or dealing with the sensitive issues of elderly care planning.  
Clients are introduced to Heather from professional firms of accountants and solicitors together with recommendations from satisfied personal clients.
The common theme amongst them all is that they take the management of their financial affairs very seriously. They are working towards clearly defined objectives, which are agreed at regular review meetings in combination with their other professional advisers.

Heather enjoys being involved with pensions, tax planning and complex financial management issues - and is an adviser who has the knowledge and experience that really matters. 

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