Who we are What we do Contact us News and views Carlisle office How to contact us: Tel: 01228 522258 Email: QPCAadvice@quilter.com Quilter Private Client Advisers FIFTEEN Rosehill Montgomery Way Rosehill Estate Carlisle Cumbria CA1 2RW Meet the team Providing expert financial advice in the area for 20 years, starting in 1999 as Murray & Fuller, we have since incorporated other financial planning firms and been part of Quilter Private Client Advisers since 2017. With easy access from the M6 in the historic city of Carlisle, our office is perfectly situated to look after the North West and Scotland. Our dedicated team of experts are here to help you reach your financial goals. Transferring out of a final salary pension is unlikely to be in the best interest of most people. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits. Michelle Ritson – Regional Financial Planning Director Tel: 07831 129697 Michelle.ritson@quilter.com FPFS, CII Chartered Fellow Associate Michelle has over 30 years experience in the financial services industry, providing advice to individuals and business owners in all areas of financial planning. Michelle is a Chartered Financial Planner for the Chartered Institute of Insurers, and specialises in providing holistic financial planning advice in all key areas of Business and Individual Protection, Retirement, Investment and Estate Planning. She is passionate about providing good quality, transparent, trustworthy advice to meet each clients specific individual needs now and ongoing for the future. Darren Service – Financial Planner Tel: 07920 294419 darren.service@quilter.com DipPFS Based in Edinburgh, Scotland. With over 30 years in the financial services industry, Darren provides personal financial advice and prides himself on developing and building strong client relationships and making complex subjects easy to understand with the personal aim of understanding his clients and improving their financial wellbeing. Darren focusses on the following main areas: pre and post retirement, investment planning and inheritance tax mitigation. Darren is diploma qualified and is continuing his professional development by working towards chartered status. David Hartness - Chartered Financial Planner Tel: 07500 014706 David.hartness@quilter.com APFS David has over 14 years’ experience of working in financial services including more recently working for a specialist award winning mutual providing advice for Medical Professionals. David has a wealth of knowledge and experience in dealing with high net worth clients including all aspects of financial planning including savings and investments, estate planning and retirement planning solutions. David has a specialism in providing advice for long term care and Group Pensions. He enjoys building long term client relationships and being able to provide full holistic financial planning for his clients and their families. Neil Winstanley - Chartered Financial Planner Tel: 07503 166160 neil.winstanley@quilter.com FPFS Neil is a Chartered Financial Planner, Certified Pensions Transfer Specialist, Fellow of the Personal Finance Society and Associate Member of the Society of Later Life Advisers, an organisation dedicated to higher standards and accessibility to regulated financial advice for older people and their families. With 15 years industry experience he is based in Edinburgh and joined Quilter Private Client Advisers to help the firm grow the business in Scotland following the acquisition of Prescient Financial Intelligence. Neil specialises in building and developing strong relationships with clients, working carefully to identify key objectives and utilising the latest technology in order to construct effective, actionable financial plans. He prides himself on providing advice in an open, honest and friendly manner, helping to simplify what can sometimes be incredibly complex issues. Oliver Smith – Financial Planner Tel: 07741 384681 oliver.smith@quilter.com BSC Hons, DipFA Oliver is originally from Carlisle. After graduating from Northumbria University, he joined the adviser network company, Quilter Financial Planning, for two years. Following this he joined Quilter Private Client Advisers in Chester where he qualified through the graduate scheme, gaining a Diploma in Financial Advice. Oliver prides himself on his ability to engage with people and build long-term relationships. He provides holistic financial advice, however his main area of expertise is working with private investors to meet their investment and retirement planning requirements. Freddie Taylor - Financial Planner Tel: 07887 328879 frederick.taylor@quilter.com DipFA Freddie joined the financial services industry after graduating from Sheffield Hallam University with an Upper Second Class Honours degree in Business and Marketing. He subsequently attained his Level 4 Diploma for Financial Advisers through the Quilter Financial Adviser School and is currently working towards Chartered Financial Planner status. Freddie enjoys building long-term relationships with his clients, creating bespoke financial plans to help them achieve their long-term financial goals and objectives. Paul Mullen – Financial Planner Tel: 07741 385395 paul.mullen@quilter.com DipFA Paul has over 25 years experience of working in financial services for some of the most recognised insurance providers and high street building societies. He has a wealth of knowledge in all aspects of financial planning such as wealth protection, inheritance tax planning, savings, investments and retirement planning. Paul enjoys building long term business relationships with his clients by providing a first class service using full holistic financial planning. Philip Dhillon – Financial Planner Tel: 07741 726473 philip.dhillon@quilter.com BA (Hons) FCA DipFA MLIBF Philip is a Fellow of the Institute of Chartered Accountants and was a partner in Saint & Co, a local firm of Chartered Accountants, for over 26 years in their Financial Services Division before the division was acquired by Old Mutual Wealth Private Client Advisers (now Quilter Private Client Advisers) in June 2018. In addition he holds the Diploma for Financial Advice and has over 26 years experience in the Financial Services Industry providing clients with holistic financial planning. He is passionate about providing clients with the highest levels of ongoing service and his main areas of expertise are long term investment planning, retirement planning and inheritance tax mitigation planning. Information Legal and regulatory information Privacy notice Cookie notice Accessibility Terms of use Other group sites Careers Media centre Customer login Contact us Senator House 85 Queen Victoria Street London EC4V 4AB Tel: 0800 032 1650 Email: advice@quilter.com linkedin We use cookies to help ensure that our website and services are able to function properly. These cookies are necessary and so are set automatically. 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