What can Worldwide’s independent financial advisers do for me?

Firstly you will be appointed with your own dedicated independent financial adviser.

Your independent financial adviser will listen to you in confidence and study your entire financial position. This is the most important part of the planning process to ensure we are fully aware of your current financial situation, your individual needs and aspirations, and requirements for financial security.

Before any fees are even considered, we will decide if we can help.

We are a truly Independent Financial Adviser firm and offer access to every solution in the market place. Your dedicated independent financial adviser will then design a financial plan for your financial security, and after implementation, will create a review programme to suit your needs and achieve your financial security. Scroll down to read our individual adviser profiles.

Matt Higham
Chartered Financial Planner

Location Truro

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Mortgage, Pension

Matt joined Worldwide in 2008 after a long career in banking with Lloyds TSB, latterly in their private banking division as both an Independent Financial Adviser and Senior Manager. He has also formed and run a financial services company with a local legal firm.

He specialises in Investment and Inheritance tax planning as well as retirement planning, including Self Invested Personal Pensions.

He is Chair of Governors at St Mary’s Catholic Primary School in Falmouth and is also a member of Falmouth golf club.

Chris Rowe
Chartered Financial Planner

Location Truro

Categories Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Chris is an independent financial adviser specialising in wealth management and inheritance tax planning. Many of Chris’ clients are in the later stages of their working lives or have already retired. Chris helps them to generate income or growth from their investment funds and reduce potential tax liabilities.

Chris leads our investment committee and has a keen interest in using technology to help drive the business and our research capabilities forward.

Chris has previously been awarded the Scottish Widows ‘IFA Newcomer’ award back in 2010 and also finished as a runner up in the FT Awards new adviser category in the same year.

Outside of work, Chris enjoys spending time with his Wife Melanie walking their black Labrador puppy Winston and taking in trips around the world whenever possible. A keen sportsman, Chris enjoys watching his beloved Liverpool football club and tries to play a bit himself too. An avid motor racing fan, Chris was also part of the Oxford Brookes karting team during his time at University.

Peter Meeson
DipPFS

Location Truro

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Peter Meeson is a Senior Consultant for Worldwide and advises corporate and high net worth clients. He has been with the company almost from the start of its existence and believes it to be the only way to be advised and looked after financially. He is married with three children and lives on a farm with a collection of livestock – horses, chickens, dogs and other animals. Peter supports the Cornish Pirates rugby team and advises the players. The farm, his interest in rugby and his children keep him busy along with the many other activities he enjoys.

Donna Hansen
DipPFS

Location Truro

Categories Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Donna is currently working towards Chartered Status and particularly enjoys looking after the needs of clients who are close to, at, or in retirement. Donna recently passed the Chartered Insurance Institute Pensions Update exam, following the pension freedoms changes announced in recent budgets. These changes are relevant to many clients, even those already in retirement.

Donna enjoys the challenge of mitigating Income Tax, Capital Gains Tax and Inheritance Tax for clients.

Having lived in Cornwall from the age of four, Donna loves the county and spends many hours walking with her husband and the family dog at many of the beautiful locations that we are blessed with and sampling the tea rooms along the way!

Donna is one of the team of WOW – the Women of Worldwide, who fund raise (whilst having a lot of fun!) for Cornwall Hospice Care, with a target of £38000. So far, the total raised is in excess of £18000 and there are events lined up to boost this total.

Nick McBreen
DipPFS

Location Truro

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Nick McBreen is an award winning, highly experienced fee-based Independent Adviser specialising in helping individuals and business people with their investments, estate and retirement planning. Nick who has a strong belief in the benefits of lifestyle planning and socially responsible investment, regularly features on local radio and television and Adviser websites such as Vouchedfor. Nick is also a regular commentator in the press and panel member at financial services industry events in the UK and also judges on industry awards such as Moneywise.

Nick will help:
- Get a clearer understanding of your situation and options
- Agree your goals and targets that you can work towards.
- Formulate a lifestyle and financial plan.
- Work alongside you and helping you set your future course.
- Facilitate on your major financial decisions.
- Help you manage planning around your businesses and personal money.
- Provide realistic planning numbers.
- Save you time.
- Cutting through industry jargon and technical stuff.
- Provide a second opinion and share ideas on decision making.
- Keep you on track and in alignment with your real goals.
- Make professional introductions as and when required.

Andrew Stallard
DipFA

Location Truro

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Mortgage, Pension

Andrew Stallard is an Independent Financial Adviser who specialises in investment including income generation, ISAs and pensions. Within Worldwide he sits both on the Investment and Management committees. He has given lectures and seminars on finance for clients including Cornwall Council, the TUC, Tresco Estate and the University of Plymouth. As well as advising individual clients on financial planning and wealth management he does a lot of corporate work , latterly setting up pension schemes so companies can comply with the new auto enrolment legislation. Andrew and his family keep chickens, grow some of their own food and enjoy life in the Cornish countryside. In his free time Andrew has many leisure pursuits and activities. Some of these include regular theatre visits, tennis, kayaking, running and coastal walking usually with his two Italian Spinone dogs. Andrew is passionate about education and believes in lifelong learning. Andrew shares Worldwide’s belief in financial inclusion and is passionate about giving clients both individual and corporate, the information and tools to make rational decisions about the increasingly complex financial choices facing people today.

Ronan Marrion
CeMAP, Equity Release IFS

Location Truro

Categories Mortgage

Ronan Marrion is Worldwide’s Mortgage Specialist, with his area of expertise being residential and commercial finance. He has been with Worldwide for over seven years and now sits on the management board. Before moving to Cornwall and joining Worldwide, he had a varied career including time as a jockey, work in hotel management, and a year spent in Toronto after university. Outside work he enjoys spending time with his wife and children and also tries to get in an occasional round of golf when he can. He is a keen runner and a big boxing fan, and can sometimes be found enjoying a pint when the rugby is showing.

We are pleased to announce that Ronan Marrion has featured in the Sunday Times Top 250 Mortgage Advisers in the UK based on reviews on the independent consumer ratings website VouchedFor.co.uk.

Peter Cunio
DipPFS

Location Southampton

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Mortgage, Pension

Independent Financial Adviser Peter Cunio has been providing financial advice for over 20 years. In all that time he has worked for just two companies. He specialises in investments, pension planning and retirement options and school fees planning. Effective financial planning, he believes, goes hand in hand with good long-term relationships with clients. He lives in Southampton with his wife and two children. Peter’s interests include golf and scuba diving.

Dave Larkins
DipIFS

Location Somerset

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Dave joined Worldwide at the end of 1999, and still advises some clients going back to the early 1980’s when he became an adviser. Dave has a wide range of clients including individuals with over £1,000,000 of investments, advising medium sized businesses on their group pensions, and helping clients meet their individual savings and protections needs. Dave has 2 teenage daughters, enjoys walking and outdoor activities, and on occasions can be found playing his guitar and singing at local Open-mics.

Robert Haymes
DipPFS

Location Truro

Categories Financial Planning, Inheritance Tax, Investment, Life Insurance Advice, Pension

Robert Haymes is one of our most experienced advisers with over 30 years experience as an IFA. Originally from Cornwall , and after a time working in the city returned to Cornwall in 1976. His specialist areas are Investment, Pensions and retirement / Inheritance tax planning. Learning to manage client expectations over the years has been key to his success and he still has clients who have been with him for 25 years+. Robert is married with three children and four grand children.

Deborah Hale
DipPFS

Location Truro

Categories Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Investment and inheritance tax planning are Independent Financial Adviser Deborah Hale’s specialities. She is one of four female Advisers currently working at Worldwide. She enjoys working with people and believes that everyone has very different circumstances and situations. With this in mind, she always works closely with clients. Her way of working is to liaise with her clients to put plans in place so they can achieve their objectives and maximise their tax efficiency. Deborah and her husband are committed Christians who like to keep fit. They also enjoy taking holidays in the hot and sunny places of the world.

Darren McKeever
DipPFS

Location Northern Ireland

Categories Business Finance, Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Mortgage, Pension

Independent Financial Adviser Darren McKeever has been in financial services since 1998. He specialises in investments, pensions, Inheritance Tax, and protection. He is based in County Fermanagh, Northern Ireland and looks after Worldwide’s clients all over Northern Ireland.

Darren describes himself as someone who is always willing to help, and enjoys the challenge presented by the fact that all clients’ circumstances are unique and this involves tailoring their financial planning accordingly.

Darren comes from a large family and is married and enjoys all sports, but golf and football are sports he particularly enjoys in his free time. At present, he is also contributing articles for the Irish News and is studying for further qualifications.

Lynne Williams
DipPFS

Location Truro

Categories Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Lynne started her financial career in 1993 with the Alliance & Leicester before moving to HSBC Bank plc as a Financial Planning Manager. Finding that the products and services were increasingly restrictive she decided to become an independent financial adviser, thus allowing her clients access to the whole market place.

Lynne specialises in financial planning throughout different stages of life, arranging protection, investment, retirement, and inheritance tax solutions and is now qualified to give advice on long term care needs. Paying too much tax is her pet hate, so she explores different ways of helping you plan to avoid this.

When not studying she has been a bit of an adrenaline junkie, having done a tandem parachute jump, zip wire, abseiling and climbing for charity. Willing to give anything a try at least once Lynne is a qualified Padi Open Water diver, but now prefers coastal walking with golden labrador Stanley. She is also a member of WoW (Women of Worldwide), and helps to arrange various fundraising events throughout the year.

Nicole Martin
DipPFS

Location Truro

Categories Inheritance Tax, Investment, Life Insurance Advice, Long Term Care, Pension

Nicole worked at Lloyds Private Banking for 16 years ( 1998 to September 2014) looking after High Net Worth clients.

She grew up in Falmouth and now lives in Carnon Downs with her husband, Nick. She is a keen fundraiser, in particular for the Stroke Association and has done a skydive to raise funds for this worthwhile cause. She also did her first 5K Race for Life for Cancer Research in July 2014!

Nicole’s approach is to build long term relationships with clients, ensure they receive the financial advice they need and establishing a trusted relationship. She attributes her success in taking this approach to always taking the time to understand what really matters to her clients.

Her Diploma in Financial Planning and the experience she has gained gives her a thorough understanding of relationship management.

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