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The great thing about them is they provide a really personal service. I know my contact, Neil Merryweather, and the members of his excellent team are just an email or telephone call away if necessary.B Dedman

Consultancy Team

All of RCL Consultancy’s independent financial advisers hold the Chartered Insurance Institute’s Diploma in Financial Planning (DipPFS), or equivalent, or higher qualifications such as Chartered Financial Planner status.

We have advisers across the UK. You can see your region’s advisers by following the links below.

Meet the London Consultancy Team

London, South East and the Home Counties

Toby Lumsden, FPFS
Chartered Financial Planner

Toby has over 30 years of financial services experience and joined the company in December 1997. He is a fully qualified Chartered Financial Planner and a Fellow of The Personal Finance Society. Toby and his team provide consultancy services to clients in London, the South East, East Anglia and the Home Counties, specifically looking after pension schemes for individuals, charities and small and medium sized businesses. Toby enjoys meeting clients from all walks of life and says his mission is to make complex pension issues as straightforward and understandable as possible. In November 2016, Toby was Highly Commended in the Personal Finance Society’s MoneyPlanner of the Year Awards. When not working, he enjoys running, gardening and watching rugby.

Clive Cussens, ACII DipPFS
Chartered Insurance Broker

Clive has over 35 years of industry experience advising business owner-directors, and high net worth individuals on a wide range of pension, investment and insurance related matters. In recent years he has tended to specialise in pre and post retirement planning using self-invested pensions as well as general investment strategies. He also has considerable experience in the business protection and employee benefits fields. Clive joined the company in 2003. He is a Chartered Insurance Broker, an Associate of the Chartered Insurance Institute and holds the Diploma in Financial Planning. A lifelong rugby player until recently, he now enjoys outdoor activities such as cycling, skiing, motorcycling and is a keen DIY enthusiast.

Terry Kellow, DipPFS

Terry joined the company in 2007 after graduating from university with a history degree. Initially concentrating on the Employee Benefits side of the business he is now a Consultant for the London Team providing consultancy services to clients in London, the South East, East Anglia and The Home Counties. Terry currently holds the Diploma in Financial Planning. A keen amateur astronomer, when he is not working, Terry is usually in the garden with his telescope. He is married and likes reading and watching sci-fi, and enjoys heavy metal.

Neil Mitchell, DipPFS

Neil has over 25 years of financial services experience and joined the company in November 2016 as a Consultant, to provide consultancy services to clients in East Anglia . Having spent many years as a financial planner, with legal and accountancy connections, Neil’s professional interests lie with industry market trends and regulatory issues. Neil holds the Diploma in Financial Planning. Away from the office environment, Neil spends his time road and cross country cycling.

View Rob’s Profile

North

Rob Hawthorne, ACII APFS
Chartered Financial Planner

Rob has over 35 years of experience in the financial services industry, working closely with clients through many changes to the world of investment management. A Chartered Financial Planner, he holds the Advanced Diploma in Financial Planning. Rob joined the company in 2007. His team provides advisory and consultancy services across the full range of financial services including retirement planning, investment and inheritance tax planning, to clients across the North of England, the Midlands and Scotland. Rob is married with two adult children. Outside of work he likes most sports, particularly golf and rugby union, not to mention having a season ticket for Old Trafford.

Meet the Southern Consultancy Team

South

Gary Watson, DipPFS

Gary has over 20 years of experience in the financial services industry, spending the vast majority of this time advising small to medium sized employers and high net worth individuals on their retirement planning. He holds the Diploma in Financial Planning. Gary joined the company in 2001. His team provides advisory and consultancy services to clients across the whole of southern Britain from Sussex in the east to South Wales and Cornwall. When not working, Gary likes watching films with his daughter and helps to run his son’s football team at weekends.

Phill Johns, DipPFS

Phill has 16 years of industry experience, working both as a financial adviser, and a life office account manager. Throughout his career he has worked with high net worth clients, and business owners to develop their retirement and financial planning strategies. Phill joined the company in 2016. He advises on all areas of financial planning, specialising in pensions and investments, for clients throughout Wales and the South West. He holds the Diploma in Financial Planning. Phill spends his time outside of work with his children and enjoys skiing and camping.

Martin Stead, DipFA

Martin has 15 years of industry experience, working as a financial adviser, private client manager and corporate banking manager. Throughout his career he has advised high net worth families, owner-managers of businesses and senior executives. Martin joined the company in 2012. He specialises in pension advice and investment portfolio planning for high net worth individuals and small to medium size employers throughout Southern Britain and the South Coast. He holds the Diploma in Financial Planning. Outside of work, Martin enjoys spending time with his children and playing squash.



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