David, the founder of Wills and Trusts, is a Past President of the Life Insurance Association; a founder member of The Personal Finance Society; the author of “Wealth – How to become seriously Rich on any income” and technical books and articles for the Financial Services sector. He is also an international speaker on technical, legal and practice management issues. David is also one of the UK’s highest qualified Independent Financial adviser holding both the Certified Financial Planning and Chartered financial adviser designations. He is also a question writer for the Chartered Insurance Institute and an examiner for the Institute of Financial Planning.

David lectures on financial issues and business practice both in London and at Warwick University.

Formerly a manager for the Halifax, Phil is the group’s Finance Manager. Phil has responsibilities for all accounting procedures, book keeping and pricing within the group. Phil also liaises with the firm's auditors and the Financial Services Authority as he has responsibility for company compliance.

Phil lives in Oxford with his wife Carol. His son, Tom who has just graduated from Oxford Brookes and daughter, Claire works for Oxfordshire County Council.

Dean Hobbs is a Financial Planner with the group having qualified in December 2004. Dean was formerly a Paraplanner and so has extensive knowledge in the area of estate planning as well as general financial planning. Dean also holds the CF6 Mortgage qualification and is studying towards his Advanced Financial Planning Qualification. Dean spoke alongside David in 2010 at the international convention for Financial Advisers, Million Dollar Round Table.

Dean lives in Aylesbury with his two cats Alley & Millie

Paula O’Reilly is the Practice Manager and assistant to David. Paula joined the company in 2003 after gaining experience with various marketing companies. Paula is responsible for the day to day management of the Practice.

Paula lives in Aylesbury with her husband Mark and their two cats Harvey and Chloe.

Formerly a Manager with Abbey National, Rachel joined the group in May 2000. After qualifying, Rachel became the group’s Para-planner with responsibilities for research and investigation for David and Dean, as well as maintaining The Advanced Investment Strategy. Rachel holds the certificate in Financial Planning and the CF6 mortgage qualification, having been a mortgage specialist with Abbey National.

Rachel Lives in Aylesbury with her two sons Tom and Ben and their dogs Poppy & Alfie.

Ann joined the team in December 2011 and is our new receptionist. Ann is responsible for all appointment bookings and ensuring that you are well looked after when you come to visit us at our office.

Ann lives with her husband, Chris in Aylesbury.

Alison joined the team in April 2007. She is a Paraplanner alongside Rachel, also responsible for research and investigation for David and Dean. Alison also maintains the Advanced Investment Strategy and now holds the Certificate in Financial Planning.

Alison lives in Leighton Buzzard with her husband Ben.

Jamie joined the team in September 2010. Jamie graduated from Birmingham University with a degree Economics. He is responsible for research and investigation for David & Dean as well as providing support for Rachel & Alison.

Jamie lives in Wendover and is currently studying for his Diploma in Regulated Financial Planning.

Nagore joined the team in November 2006. She is responsible for relationships with insurance companies and investment houses as well as preparing client quarterly reviews and investment management.

Nagore is originally from Bilbao, Spain but now lives in Aylesbury with her partner Luke and their son Unai.

Michelle joined the group in June 2000. Michelle is responsible for organising the Wills & Trusts seminars and client events. She is also responsible for the Business Development Network, supporting over 150 financial advisers around the UK, Scotland & Ireland.

Michelle lives in Bierton with her husband Paul, their sons Regan and Lewis and their dog Mason.

Paula O’Reilly
Practice Manager

• Arrange a call back with David or Dean
• Treating Customers Fairly

Michelle Bye
Project & Events

• Wills & Trusts Seminars
• Client Review Workshops
• Client Events

Ann Beatty
Reception

• Schedule an appointment
• Booking your 1:2:1
• Booking your Annual Review

Nagore Echevarria Vicario
Client Portfolio Management Team

• Trust queries
• Surrenders
• Switching authorisation
• Quarterly reviews
• Portfolio valuations
• Notification of holiday or change of details

Rachel Viney, Alison Parker & Jamie Sellar
Para Planning

• Product queries
• Product/Investment implementation