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Financial planning

Achieving your life goals

Saltus - Achieving your life goals
Financial planning

Achieving your life goals

At Saltus, it’s really not about the money…it’s all about you.

For us, your money is your ticket to the places you want to go, and the things you want to achieve, on your journey through life.

Saltus
Saltus
Financial planning

What you can expect from us

Saltus

At Saltus, we understand your whole financial world your objectives, your responsibilities, your plans for the future. So from the very beginning of our relationship, we work closely with you to build a long term plan for managing your money, to achieve all your goals.

Saltus

Financial planning team

Philip Bevan - Saltus

Philip Bevan

Phil has a no-nonsense approach, always helping clients to focus on the bigger picture whilst he takes care of the details. He has a strong focus on managing wealth across families due to his empathetic nature and is known for his ability to provide imaginative, yet pragmatic, solutions. Consequently, Phil is regularly called upon to help business owners structure their affairs and often assists with complex pension arrangements and divorce cases.

Phil joined Saltus Investment Managers as a Partner in 2014 and was one of the founding members of Saltus Financial Planning.

He has almost 30 years of industry experience and now sits on Saltus’s Management Committee as head of our Financial Planning team. Early in his career, he worked for two specialist pension companies and was then seconded to help establish distribution in the Channel Islands for an offshore investment firm. He later left the corporate world to establish and run his own firm for 13 years before joining Saltus. Philip holds the highest level of Financial Planning qualifications attainable as a Fellow of the CII, in addition to holding numerous Investment Management qualifications.

Philip is married with two children and lives in Hampshire. Outside of work, he enjoys playing tennis and muddy mountain biking with his family!

Kay Ovenden - Saltus

Kay Ovenden

 

Kay is a qualified and experienced finance and investment professional providing holistic financial planning advice and wealth management solutions to individuals, families, and businesses.

Clients are firmly at the heart of everything Kay does, and her passion is to help clients take control of their personal finances. This is frequently in the 5 to 10 years prior to retirement, ensuring that clients are in the best position possible when considering longer term cash flow management and estate planning.

Kay joined Saltus in 2015 as an FCA regulated financial planner, prior to which she enjoyed a 30-year career with firms such as Barings Asset Management and JP Morgan as a finance specialist in investment management and capital markets.

Kay lives by the coast and outside of work, she enjoys time with family, long walks with the dogs on the beach and all aspects of horticulture and conservation.

Lawrence Brady - Saltus

Lawrence Brady

Lawrence provides a range of pension and investment advice to individuals, attorneys, and deputies. Whilst Lawrence supports individuals in numerous contexts, he specialises in retirement planning, complex Court of Protection cases and personal injury awards.

To meet his client’s objectives, Lawrence focuses on creating financial strategies that are flexible and sensitive to changes in circumstances. He works closely with clients to provide investment and planning advice to ensure their income and capital needs are met throughout their lifetime.

He is committed to providing clear and practical financial advice to support vulnerable clients and their families in difficult circumstances. A keen advocate of cashflow modelling, Lawrence believes it is essential to presenting a clear financial strategy.

Lawrence obtained a BA in Business and Economics and has been in the financial services industry for almost 10 years. He joined Saltus in 2016 following a successful merger with Andrew Hammond Brady.

 

 

Megan Jenkins - Saltus

Megan Jenkins

Megan provides specialist advice to private clients on pensions and investments as well as estate and tax planning. She works in partnership with her clients to ensure she fully understands their individual circumstances and builds long term relationships with her clients to ensure their goals are met both now and in the future.

Megan has particular expertise in assisting clients going through divorce, helping them reach financial settlements that are right for their needs and objectives. She regularly provides advice on the implications of pension sharing and has implemented a considerable number of sharing orders for our client base.

After obtaining a Masters in Banking and Finance, Megan joined Saltus in 2015. She holds a Diploma in Regulated Financial Planning and is a member of Resolution. When she is not advising her clients, Megan enjoys travel, taking part in regular beach cleans and practicing yoga.

David Norton - Saltus

David Norton

David specialises in providing clients with clear and comprehensive solutions to meet their financial objectives. He helps clients of all types navigate the complexities of pensions, tax rules and investment strategies in preparation for a successful retirement. However, he has significant experience in aiding those within the oil and gas, aviation and legal sectors and is considered a foremost expert on corporate pension arrangements in these areas. In addition, David takes a keen interest in advising individuals in the professional sports arena having played golf professionally in the early 2000s.

He has been qualified as an adviser for over 12 years and holds a Diploma in Regulated Financial Planning. He entered the financial services industry in 2005 originally working for Lorica and later moving to AON in 2014. Having joined Saltus in 2018 as a partner, David is now a valuable member of the Saltus team.

In addition to supporting his client’s, David enjoys spending time with his young family as well as giving us all a run for our money on the golf course!

Warren Kavanagh - Saltus

Warren Kavanagh

Warren is a retirement planning specialist, working closely with clients who would like greater clarity and support in setting and achieving their retirement goals. He believes in building close working relationships to ensure he is always mindful of a client’s personal values and feelings towards their money. This provides the context for how he approaches helping them to draw income tax efficiently, consolidate schemes, invest their pot, and carry out estate planning.

Warren originally entered the financial services sector in 2008, qualifying as a financial adviser and stockbroker. He joined Saltus in 2018, following our successful merger with Lorica Wealth Management. Warren holds a Diploma in Regulated Financial Planning and is working towards his Chartered Status.

In his spare time, Warren enjoys hiking and since joining Saltus he & his wife have summitted Snowdon (three times), Scafell Pike and Mount Etna, with Ben Nevis next on their list.

Clive Martin - Saltus

Clive Martin

Clive likes to consider his work with clients as getting them ‘financially fit’ to achieve their ambitions. He has significant experience in helping individuals to prepare for retirement and enjoys determining when and how they can ultimately attain financial freedom. To achieve this, he focuses on careful tax planning, consolidation, and correct asset allocation.

Clive has over 35 years of industry experience assisting with the creation of the Scottish Widow’s High Net Worth team, Prudential’s financial planning arm and lastly Lorica Wealth Management which formed part of a successful merger with Saltus in 2018. He also sits on Saltus’s investment committee to support the business in the construction of our portfolios.

When he’s not spending time with clients, you’ll probably find Clive on the golf course or watching rugby from the side-lines.

Jeremy Daniels - Saltus

Jeremy Daniels

Jeremy helps his clients meet their financial objectives by focusing on effective tax planning and sound investment solutions. He advises clients on how save tax efficiently during their working career to maximise their overall pot. He has a hands-on approach and focuses on building long-term, trusted relationships. This allows his clients to leave their financial planning to him and concentrate on the things they most enjoy in life. Whilst he has a passion for retirement planning, he helps his client base prepare for a wide range of milestones in their lifetime.

Jeremy has spent over 35 years as a prominent member of the industry. He began his career in accountancy before spending 22 years with Standard Life working with both corporate and personal clients. He joined Lorica in 2006 establishing their wealth management division before joining Saltus following a successful merger in 2018.

In addition to supporting his clients, Jeremy has always been involved in his local Rugby club. He has both played and coached in days gone by, but more recently travels further afield to watch his son at the weekends. You might also spot him tramping through the countryside with his three flat coated retrievers.

David Burton - Saltus

David Burton

David advises clients on a wide range of planning requirements including pensions, investments, tax, and insurance. Over a distinguished career, he has specialised in supporting senior executives with their retirement planning. David regularly helps his clients to reduce the levels of tax they pay, consolidate in preparation for retirement and understand complex employer pensions schemes.

David has spent almost 40 years as an adviser and is widely recognised within the industry. He began his career with HSBC before spending 16 years advising both corporate and personal clients at Barclays. He joined Lorica in 2003 with a focus on the workplace pensions market before joining Saltus following a successful merger in 2018.

In addition to supporting his clients, David is a keen mathematician (test him!) and enjoys spending time with his family when he isn’t out on the golf course.

Ralph Brill - Saltus

Ralph Brill

Ralph’s favoured moto is that he would ‘never recommend something he would not use himself’. Ralph enjoys helping clients consider what they want to achieve in life and how to structure their finances to support this. He has a focus on assisting clients with managing their assets tax efficiently and how this impacts their ability to draw income in retirement.

Over the years, Ralph has become particularly well known for his expertise in locating old pension schemes, regularly helping our clients to trace money held with numerous providers. In addition, he has a keen interest in assisting with state pension and SERPS related claims.

Ralph has a wealth of experience having worked in the financial services industry for over 25 years, advising clients at the Prudential, Scottish Widows and Lorica. He joined Saltus following the successful merger of Saltus and Lorica in 2018.

David Sandison - Saltus

David Sandison

David is a passionate advocate of the importance of sound financial planning to help clients preserve wealth and achieve their financial goals. His clients have a wide range of needs, but he has a strong focus on retirement planning and intergenerational financial arrangements.

His career in finance began as an investment manager with Barings in London and Hong Kong where he managed UK pension funds and was a specialist in global emerging markets. This was followed by 20 years in investment banking serving global and UK institutions in the fields of investment strategy and UK, European and Asian equity markets. David joined Saltus as a partner in 2018 and holds a diploma in financial planning.

David is married with four children and lives in Suffolk. Outside of work he enjoys running, sailing, maintaining his vegetable garden and has a keen interest in wine.

Jack Munday - Saltus

Jack Munday

Jack works with individuals and families to provide pensions and investment advice in line with their needs and objectives. Jack has a focus on helping both employers and employees to navigate complex pension schemes. He also brings particular expertise in using appropriate tax vehicles to help those accumulating wealth, as well as structuring assets for individuals looking to draw a tax-efficient income in retirement.

Jack joined Saltus in 2017 and has considerable experience having worked in the industry for almost 10 years. He has a Diploma in Regulated Financial Planning and is currently working towards his chartered status.

Jordan Gillies - Saltus

Jordan Gillies

Jordan is passionate about financial education and has spoken at national conferences on the subject. He has specific expertise in helping people ‘re-think’ retirement, as well as assisting business owners preparing for sale. He regularly hosts workshops on both topics for numerous conglomerates and global CEO networks. When he isn’t presenting, Jordan is often the first point of contact for prospective clients at Saltus to help determine what type of advice they may require and which of the team is most suited to their needs.

He has been working in the financial services industry for almost 10 years, working at Seven Investment Management prior to joining Saltus in 2020 to focus on the group’s growth strategy.

When he isn’t discussing pensions and compounding at the dinner table, he enjoys running, country pursuits, spending time with his family and walking his dog Nigel.