HOYL
INDEPENDENT ADVISERS

Adrian has worked in financial services since 2002, which includes working as an Independent Financial Adviser and working for Santander as a Financial Planning Manager.

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He joined Hoyl as an Independent Financial Adviser in November 2012.

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He has experience of advising on all types of investments and pensions, including Auto-Enrolment qualifying pension schemes, as well as mortgages, Equity Release and Lifetime mortgages.

Andrew is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 1995.

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Andrew gained his experience as a Financial Adviser by working for the major high street banks Lloyds TSB, Barclays and Santander, before joining Hoyl in 2016.

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Andrew is able to provide whole of market independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments and Protection.

I’ve worked in financial services since 2020, during which I’ve spent time in every area of Hoyl working alongside our most experienced advisers as I successfully completed my Diploma in Financial Advice. This has helped me gain valuable experience in delivering bespoke financial solutions for our clients while building trusted long-term relationships with them, also of course, and most importantly, our firm’s strong belief in ethical conduct.  

 

I currently provide independent whole of market advice in the areas of Retirement Planning, Investments and Protection.

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I’m also a retained firefighter for Norfolk Fire Service, which is an unpredictable and rewarding role that shares many of the same values as being an Independent Financial Adviser - especially the satisfaction of providing a crucial service to our local community.   

I have worked in financial services since 2012, having held several roles with Yorkshire Building Society, including as a Mortgage Adviser.

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I provide independent whole of market advice on retirement planning, investments and protection, and will take the time to fully understand your needs before recommending tailored financial solutions which work for you, both now and in the future. I always look to build long-term relationships with my clients, built on foundation of trust, open and honest conversations and Hoyl’s firm belief in robust ethical conduct.

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When not in the office I enjoy the outdoors, my fitness and have also captained my local rugby team.

David joined the Hoyl Group as a Financial Adviser in May 2018 with a wealth of experience and knowledge from working in the financial services industry since 2007.

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David previously worked for Norwich & Peterborough Building Society (later becoming Yorkshire Building Society), predominantly specialising in Mortgage Advice before broadening his expertise to provide tailored financial solutions
on Pensions and Investments, including Auto-Enrolment qualifying pension schemes, Protection and Estate Planning

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I am one of the Top Rated IFAs in the UK for the 7th year running, based on client feedback collected by VouchedFor, the independent reviews site.

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I provide advice under the trading style of Hoyl Capital Wealth, which forms part of Hoyl Independent Advisers, a Financial Times Top 100 IFA firms member. 

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Joe is a fully qualified Independent Financial Adviser and has been in the financial services industry since 2005.

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Joe has become very active in the Employee Benefits side of the business and in offering Automatic Enrolment solutions to corporate clients.

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He demonstrates a thorough and concise work ethic, and thanks to this and his professionalism, has won the trust, confidence, and loyalty of an increasing client portfolio since joining the Hoyl Group as an IFA in 2009.

Mark has been working in financial services since 2012, and has experience as an Independent Financial Adviser from other firms in Norfolk.

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Mark has worked for the large corporate firms such as Aviva as well as other independent financial advice firms. His previous experience in paraplanning, will writing and estate planning has given him a good technical knowledge which he can use to benefit his customers. ​

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Matthew is a fully qualified Financial Planner and is able to provide tailored financial solutions for individual, family and corporate clients.

 

Matthew joined Hoyl Independent Advisers in April 2012 and had worked in the financial sector since 2001.

 

He has experience in advising on Investments and Pensions, including Auto-Enrolment qualifying pension schemes, Residential mortgages, Commercial Mortgages, Equity Release, Lifetime mortgages, Protection and Estate planning.

Michael has been working in financial services since 1994 and been a fully qualified financial advisor since 2005.

 

During his career, Michael has worked in the City of London looking after High Net Worth Individuals including Sporting Celebrities, City Professionals and Entrepreneurs.  In 2008, Michael moved to Suffolk to start a family, and has worked for HSBC, St James’s Place and Brancaster House before joining Hoyl Independent Advisers in April 2019.

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I’m a qualified Independent Financial Adviser, with over 30 years experience in building long-term relationships with my clients, by helping them achieve their financial goals.

I specialise in providing advice on Retirement Planning, Long Term Care Planning, plus all areas of Investment and Protection. Being Independent, I am able to search the whole of the market, for those products which match your individual needs.

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Penny is a fully qualified Financial Adviser and has extensive experience of providing bespoke financial solutions to her clients. She started her financial services career in 2001 working in the banking sector and joined the Hoyl Group in 2013 as an Independent Financial Adviser.

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Penny is able to provide whole of market independent financial advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments, Protection, Mortgages and Lifetime Mortgages. She is fully qualified in Equity Release advice.

Phil is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual and family needs since 2003. Phil has gained his experience as a Financial Adviser working for a number of large insurance companies as well as building societies before joining Hoyl in 2016.

 

Phil believes in building long term relationships with his clients, ensuring a good understanding of their current financial circumstances and also their future needs.

Richard has worked in financial services for over 25 years, having worked as an IFA for large corporate firms such as Equitable Life and Lighthouse, and a Management Consultant with BP prior to that.

 

He has a wealth of skills and experience, which are ideally suited to his current role working primarily with corporate and individual high net worth clients, providing bespoke advice, tailored to their individual financial planning needs

I have worked in the financial services industry since 2012, initially as a mortgage broker specialising in investment property finance before joining Hoyl in 2016 as a Mortgage and Protection Adviser.

 

During this time I completed my Diploma for Financial Advisers (DipFA) and Certificate of Equity Release (ER1) and progressed to become an independent financial adviser, so now provide tailored financial solutions on all aspects of pension  and investments planning, including auto-enrolment qualifying pension schemes, estate planning, and of course, mortgages, protection and later life lending.

 

Outside of work I enjoy travelling, and have travelled extensively in the Americas and other continents. However, I’m currently working on two renovation projects with my husband, so travelling is currently on the back burner for a while!

I’ve been providing financial advice tailored to my clients individual needs for over 30 years, gaining a wealth of experience whilst working as an adviser for a number of other large companies, building societies and financial advice firms.

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I can advise in all areas of your financial planning, ensuring your current needs are met before helping you determine your future financial goals and aspirations and setting you on the best path to achieving them. What’s more, I’ll always make sure you fully understand my recommendations, using clear and simple terms, and none of the industry related jargon you might expect.

Andy has been working in financial services since 1996, and has been a Financial Adviser since 2001.

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Andy worked for the major high street banks HSBC and Barclays before becoming an Independent Financial Adviser at the start of 2012.

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Andy is able to provide whole of market independent advice in the areas of: Retirement Planning, Auto-Enrolment qualifying pension schemes, Investments and Protection.

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Carwyn has worked in financial services since 1994 and he has been an independent financial adviser since 2001, during this time he was employed by two major bank assurers. His key areas of expertise are personal and corporate financial advice.

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Carwyn joined the Hoyl Group in 2007 where he works as an Independent Financial Adviser.

Dave is fully qualified Financial Adviser and has been providing bespoke financial advice for individuals and corporate clients since 1991. He believes in building long-term relationships with his clients and fully understanding their objectives, goals and aspirations.

 

He has gained his knowledge and experience as a Financial Adviser by working in the industry and major high street banks before joining Hoyl in 2017.​

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I have worked in financial services since 2017, gaining valuable experience as a Paraplanner while completing my Diploma in Financial Planning before then progressing to providing advice on investments, pensions, protection and estate planning, which I have been doing for several years now. My motivation is to provide an all-round approach to my clients financial planning needs, helping them achieve their goals and objectives while building a long lasting and trusted relationship. What’s more, I will always make sure my advice to you is set-out in a way which is clear and easy to understand, with none of the usual jargon you might expect.

 

Outside of work, I like to spend time with my family, with football being a key component of our family life, supporting my son and Derby County. I’m a keen gardener and love to travel and experience the different cultures and sceneries the world has to offer.

Jo is a Chartered Financial Planner and a Fellow of the Personal Finance Society. Jo has worked in the financial services industry for over 20 years, helping clients make the most of their money, creating and protecting their wealth.

 

She is passionate about what she does and wants to help make a real difference in people’s lives and make things easy to understand. Jo works closely with clients to help them achieve their financial goals and maintain long term relationships, whilst guiding them through their different life stages.

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I am passionate about building long term relationships with my clients, providing them with tailored financial advice based on a clear understanding of their financial circumstances, aims, objectives, and both current and future needs.

 

I joined Hoyl’s graduate programme in 2016, qualifying as an Independent Financial Adviser within 2 years before going on to achieve Chartered Status, the ‘gold standard’ for financial planners.

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Matt has worked in the financial service industry since 2015, gaining experience with other local firms before joining us as a Paraplanner in 2017.

 

Since then, Matt has progressed to an adviser role while also working hard to gain his Advanced Diploma in Financial Planning and Chartered Financial Planner status. He has a strong technical knowledge in all areas of financial planning and is passionate about providing clear and effective financial advice which meets both the current and future needs and aims of his clients.

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Matthew is a fully qualified Financial Adviser and has been providing tailored financial solutions for individual, family and corporate clients since 1999.

 

He gained his wealth of experience as a Financial Adviser working for HSBC, St. James’ Place and other independent financial advice firms.

 

Matthew is passionate about the positive impact which financial planning has for clients’ long term financial well-being. 

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Hoyl are pleased to have supported Matthew for seven years as a seagoing crew member of the Cromer RNLI crew until February 2023.

As one door closes another opened and Matthew is now a Trustee and on a three year path to being Commodore of Hickling Sailing Club CIO.   

With over 20 years’ experience in the world of financial services I’ll be delighted to help you with all areas of your financial planning, including investments, pensions and protection.

 

I qualified as a financial adviser in 2000, and have since worked with large organisations such as Aviva and NatWest, providing bespoke advice and support to suit every clients individual needs, and helping them determine and achieve their financial goals.

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Paul has been working in the financial services industry since 2000, within assurance, banking, stockbroker and wealth management sectors, and since 2007 as an Independent Financial Adviser.

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While specialising in retirement planning, Paul advises in all areas of financial services, including pensions, Auto-Enrolment qualifying pension schemes, investments and protection to meet clients’ current and future goals and aspirations.

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I’m dedicated to offering my clients comprehensive, high-calibre independent financial advice which will help them achieve their life goals by guiding them to make the very most of their financial resources.

 

I have held several roles in financial services before joining Hoyl in 2021, who I felt shared my belief in a strict ethical code of integrity, honesty and fairness - all of which are vital to delivering a service which exceeds client expectations.

 

During my time at Hoyl, I’ve worked with some of our most experienced advisers and gained invaluable insight into adding value to the client experience while building trusted, long term professional relationships founded on a basis of communication and trust.

 

I hold a diploma in regulated financial planning and provide whole of market independent advice in the areas of Pensions, Investments and Protection.

 

Outside of the office, I have a passion for football, skiing and rugby. I enjoy going on long country walks with my family dog and when time permits, travelling overseas and exploring new places. 

Robert is a fully qualified Financial Adviser and has been providing bespoke financial solutions for individuals, families and corporate clients since 2002. He gained his comprehensive knowledge and experience as a financial adviser working with HSBC, Lloyds Private Banking and Santander.

 

Robert believes in building long term relationships with his clients ensuring a good understanding of their current circumstances and also their future plans.

I’ve worked in financial services since joining Aviva in 2010, where I held several roles before joining Hoyl as a Trainee Financial Adviser in 2021.

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While completing my Diploma in Regulated Financial Planning I’ve worked alongside many of our most experienced advisers. This has helped me gain an in-depth understanding of the advice process together with a passion for providing clients with tailored financial solutions to meet their needs, both now and in the future, as I look to build long-term relationships built on trust, communication and Hoyl’s firm belief in robust ethical conduct.

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I currently provide independent whole of market advice in the areas of Retirement Planning, Investments and Protection.

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I also have a keen interest in history and studied part-time while completing an undergraduate degree through the Open University.