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Independent Financial Advice

I have many years’ experience of successful financial practice. I advise clients on a wide range of products, helping them to navigate their financial journey and achieve their aims – from their first mortgage, right through into retirement and all the investment decisions along the way. Of course every client is unique, and so my approach is entirely personal. The aim is to get to know each individual and understand what is important to them.


As an independent advice business, Fresh Approach has excellent relationships with professional firms such as accountants, solicitors and estate agents meaning that you will also benefit from a network of trusted professionals.


In addition, it’s very important for you to be aware of the significant changes that have taken place over the last few years across the financial services sector. In particular, that each regulated financial adviser now has to hold higher levels of qualification than ever before. In addition to passing the new exams, each adviser must also hold a current ‘Statement of Professional Standing’ (SPS certificate). This not only indicates that we have signed up to a code of ethics but also evidences that we have completed at least 35 hours of professional training each year - to keep up to date with changes in the industry, taxation and regulation. The SPS certificate provides positive reassurance to our clients that not only are we authorised by our Regulator (The Financial Conduct Authority) but also appropriately qualified and competent.


Get in touch when you’re ready to talk about your personal financial needs.


Fresh Approach Services

Tailored Financial Planning as Unique as You

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Peace of mind for you and your family

We all dream of winning the lottery but what are your odds when it comes to accidents or illness?

Unfortunately, the chances of long-term absence from work are higher than you might think


  • 8% risk of death before 65

  • 16% risk of suffering a serious illness

  • 32% risk of being unable to work for 2 months or more

Life cover is the most popular form of protection but premature death isn't the biggest risk we face during our working lives. 

We're all natural optimists, but even a small amount of income protection could make your finances less of a gamble.


Income protection insurance (sometimes known as permanent health insurance) is a long-term insurance policy designed to help you if you can’t work because you’re ill or injured.


It ensures you continue to receive a regular income until you retire or are able to return to work.

Source: LV= risk reality calculator May 2015, based on a male non-smoker aged 30.


A comprehensive approach to Investing and Retirement

We offer a comprehensive and tailored approach to help create and protect your wealth, and build your financial future. 

From everyday savings to bespoke portfolios, we are here to help you. 

We use specific asset allocation techniques to manage your investments in line with your attitude to investment risk and goals

Whatever your investment experience, we can recommend a portfolio that is tailored to your immediate needs as well as long term goals. 


Expert guidance to help you achieve your dream home

For many people, buying a home will be the largest single investment they make. It's a huge financial commitment that no one can afford to get wrong.


Making an unsuitable decision can be a very expensive mistake. Moreover, trying to pick the best deal from the vast ranges available from hundreds of lenders can seem an almost impossible task, and even if you find a good deal, you may not know whether you will be accepted – especially as lending criteria often vary considerably.


Whether you are a first time buyer, moving home, looking to re-mortgage or purchase a second property, it is crucial that you only consider a mortgage that's right for you.


This is where a mortgage adviser helps by searching the market on your behalf to source the right deal based on your personal circumstances, requirements and budget. We will also discuss the various options such as fixed, tracker, discounted, variable and offset, and of course the different ways in which you will repay your mortgage.


All of this is essential as your home may be repossessed if you do not keep up repayments on your mortgage.


A comprehensive review process to continue meeting your needs

An international HSBC study, The Future of Retirement (2011), showed that those with financial plans accumulated nearly 250% more retirement savings than those without a financial plan in place. Furthermore, nearly 44% of those who have a financial plan in place save more money each year for retirement than those who leave it t chance and do not plan effectively.


FOCUS on plans, not retirement


Research by David Blanchett and Paul Kaplan of Morningstar, in their article ‘Alpha, Beta and now...Gamma’, has attempted to quantify the value that financial advisers can provide. Their research shows that advisers help individuals generate roughly 1.82% excess return each year, creating roughly 29% higher retirement income wealth. This means even if an adviser is charging a 1% fee a year for the management of assets, the financial advice still has a huge impact on generating wealth.


Paul, you are the most efficient, trustworthy, painstaking, professional IFA with a dynamic and energetic response to any query or discussion.

Mrs Rodrigues - Alcester

Paul managed my asset review and remortgage in a friendly and professional manner from start to finish and kept me informed throughout the process. 10/10 would recommend him 100%

Richard - Worcester

I cannot speak too highly of Paul. He is phenomenally patient, kind and thoughtful. Professionally on the ball and he has ensured our investments are working well during difficult times for us. Paul always gives us regular feedback on the health of our investments, which given the unstable nature of global finance, we  find utterly invaluable!

Rupert - Worcester



Have a particular challenge you’re trying to deal with? Get in touch today and see what I can do for you.

Open Space , Chequers Close, Enigma Park, Malvern WR14 1GP

01905421196 or 07738121636

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