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Friendly, experienced financial planning.

We use decades of experience to build robust, personal financial plans that are fit for the future.

Personal, bespoke planning for every client.

Everything we do starts with your dreams & desires.

We believe that it is impossible to give high-quality financial advice without understanding you and your family first. Once we know where you want to get to, we build a plan to help you get there.

Our process.

Financial Advisers

1. Explaining the pathway ahead

An introduction to the services we offer & their benefits, our responsibilities along with a clear breakdown of how and when we charge. This stage is about laying the foundations for our professional relationship and ensuring mutual trust.

Meet our team.

We strive to offer a warm & friendly service to everyone we work with.

Financial Advisers

Gerry Cummins

Director & Financial Adviser

Financial Advisers

Steve Brace

Office Administrator

Financial Advisers

Michael Shone

Paraplanner & Aspiring Financial Adviser

Financial Advisers

Claire Thomas

Office Administrator & Personal Assistant

Financial Advisers

James Docherty

Trainee Paraplanner & Aspiring Financial Adviser

Financial Advisers

Caroline Stuart

Paraplanner

Michael's Story.

Hear from our client Michael on how we helped him to prepare for retirement and achieve things he's always hoped for.

Choosing a professional service over DIY.

Although personal finance should always be focussed to your individual needs,  we believe professional help adds tangible value over DIY. The table below illustrates why we think this:

Doing it yourself

Access to hundreds of thousands of hours experience

Knowledge and experience of investment solutions

Access to a professional opinion when you have a difficult issue to solve

A personalised, bespoke financial plan that is focused towards your future goals

Access to the whole of market of investments and insurance products

A voice of accountability, making sure you're doing what you set out to do

A friendly team to support you, rather than spending hours doing admin

Cummins Financial Advisers

The value of investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation advice.

We will always:

Financial Advisers

Simplify a confusing world of choice.

Financial Advisers

Build trusted relationships based on genuine respect for your needs.

Financial Advisers

Be transparent in all our communication & processes.

We will never:

Financial Advisers

Impose unexpected fees or charges.

Financial Advisers

Offer advice that is biased towards needs that aren't your own.

Financial Advisers

Recommend anything we wouldn't to ourselves.

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