• Current Job Title
Director & Independent Financial Adviser
• When did you join the company?
Founded Pall Mall Financial Independence in 1997.
• What qualifications or certifications do you hold?
DipPFS, CeMAP, with over 36 years’ experience advising private clients, business owners, and families on holistic financial planning, wealth management, and long-term strategy.
• What’s one piece of financial advice you wish everyone knew?
Small, consistent decisions—saving tax efficiently, investing regularly, and avoiding emotional reactions—compound into life-changing outcomes.
• In one sentence, how would you describe your financial planning philosophy?
Clear, evidence-based planning backed by disciplined investment and practical structuring to help clients achieve long-term independence with confidence.

I specialise in integrating investment, pension, and tax planning for high-net-worth individuals and families, with a particular focus on long-term wealth strategy, intergenerational planning, and simplifying complex financial arrangements.

Committed To Your Wealth & Prosperity and To The Spirit of Entrepreneurship.

Steve has worked within the financial services industry since 1989 and as a result he has developed a wealth of experience both as a financial planner and as a creative forward thinking Entrepreneur. Steve's top priority for you as a client is always to help create financial security and prosperity, which is achieved through a systematic and well considered approach to financial planning.

He is the co founder and director of Pall Mall Financial Independence Ltd which provides comprehensive and bespoke financial planning to the entrepreneurial minded and to the wealthy individual.

Steve holds a Diploma in Financial Planning from the Chartered Insurance Institute.

Mark began his career in financial services in the late 1980s, with the Endsleigh Insurance Group. He co-founded Pall Mall Financial Independence in 1997 with Justin and Steve. Totally loyal to his clients Mark’s service objectives have always remained the same throughout his career to simplify clients’ finances, reduce their tax exposure, drive their portfolio's forward and maximise their retirement returns.

Mark says: "The principle of consolidation and simplification sounds straight forward enough, however I'm still amazed that the vast majority of people still lack the basic tools to allow them to discover how these processes work, or the huge advantages it will bring them. At Pall Mall we see part of our role as educators and motivators, allowing clients to keep constantly on top of their financial affairs and objectives."

Mark continues to keep ahead of the curve for clients and remains loyal to all those who have entrusted him at PMFI. The relationship we have with clients now is life long and it’s this base of trust which gives Pall Mall its strength.

Mark holds a Diploma in Financial Planning from the Chartered Insurance Institute.

Charlotte joined Pall Mall in 2016 and works to fulfill Pall Mall's core aim of delivering a professional and assured customer experience. Before joining Pall Mall, Charlotte earned a degree in Civil Engineering before working in a top law firm as part of the investigations team. Charlotte says: "I moved into the financial services industry out of a desire to provide to clients guidance and assistance on how to ensure long-term financial security and independence. I value the firm's focus on providing quality service throughout the customer journey and look forward to progressing my career in this industry here."

Charlotte is a Chartered Financial Planner.

Matt joined the team at Pall Mall in February 2016 after having worked in client relations and historical compliance for a high street bank for just over a year. Matt says: "Working at Pall Mall has further strengthened my resolve to forge a career in financial services. The support and guidance from the team is helping me attain the top class service for clients that they have come to expect of Pall Mall and is greatly aiding in my professional development."

Matt is a Chartered Financial Planner.

• Current Job Title – Independent Financial Adviser + Office Manager
• When did you join the company? 2020
• What qualifications or certifications do you hold? Chartered Financial Planner, APFS, Cert CII (MP & ER)
• What’s one piece of financial advice you wish everyone knew? Utilise all tax allowances
• In one sentence, how would you describe your financial planning philosophy? Ensuring all financial decisions made support my future goals whilst still enjoying life in the present.

• When did you join the company? - 2024

• What’s one piece of financial advice you wish everyone knew? Start planning earlier than you think you need to; small steps now make your future a lot easier.

• In one sentence, how would you describe your financial planning philosophy? I believe in making a straightforward plan that fits your lifestyle, helps you grow your savings over time, and keeps you prepared for surprises.

• Current Job Title - Junior Paraplanner

• When did you join the company? - 2025

• What’s one piece of financial advice you wish everyone knew? Set up investments as early as possible, the more time you have, the more earning potential there will be.

• In one sentence, how would you describe your financial planning philosophy? My Financial planning philosophy is rooted in the understanding that there's no such thing as a free lunch, recognising the potential for returns always comes with a risk of investments rising and falling in value.