vouched - guide to the uk's top professionals

September 27 • 2015 The Mail on Sunday �

LIFE’S A BEACH: Angela Healy has her retirement sorted after an adviser helped with her finances

Sponsored supplementBy VouchedFor 8-PagePulloutPersonal Finance sPecial issue

The Financial ProFessionals

EVERYONE remembers 2008 as the year when a financial storm hit the country, bring-ing some of the biggest banks to their knees

and plunging Britain into recession.But Angela Healy, sitting outside her beach hut in Teignmouth, Devon, looks

back on 2008 as the year she finally put to bed the crises

crowding in on her life.While the economy neared meltdown, she took the bold decision

Turn to Page 2

Need help with tax, writing a will or planning to secure your future? Our comprehensive guide to Britain’s top-rated solicitors, accountants and advisers has all the answers

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By Jeff Prestridge PerSonal Finance editor

MILLIONS of Britons risk leaving their assets – however modest – to the wrong people or the State.

This year it emerged that comedian Rik Mayall had died without a will, so his £1.2 million estate was liable to a big tax bill. This is because laws dictate some of it go to his children and so is subject to inheritance tax. Had a will been in place, he could have left it all to his wife tax-free.

Caroline Wilden of Probate Solicitors in Solihull, West Midlands, says a will ‘is the only way to ensure your wishes are carried out and your estate goes to whom you want it to’.

Without a will, a person’s legacy could be one of

exhausting paperwork and family disputes. For example, if you marry or remarry after writing a will this invalidates it. If you have separated from a spouse but do not remarry, an old will that favours the spouse will remain valid until a new one is created and the old one revoked.

Parents can also use a will to appoint guardians to look after any young children.

Wilden adds: ‘You should make a will

if you have children, own property, are getting divorced, have total assets worth more than £250,000, live with a partner but are not married or in a civil partnership, or if you are in a second marriage and wish to protect assets for your children. It only takes about

45 minutes to sort out.’A single, basic will

typically costs £100 to £200 or £150 to £300 for a joint will. But it will cost more if circumstances are more complex –

such as an estate including overseas

property.Online will writing services are effective if your affairs are

simple. They include Affio and Rocket Lawyer.

Solicitors do not need to be involved, but they can prevent common mistakes that may invalidate a will.

Two charity campaigns this Autumn encourage people to write a will.

Free Wills Month starts on Thursday. Solicitors will draw up a simple will for over-55s in expectation that a charity will be mentioned. Visit freewillsmonth.org.uk.

Will Aid, in November, is open to everyone. Solicitors waive will-writing fees in return for a recommended donation of £95 or £150 for a couple. See willaid.org.uk.

Sam Casamassa, 50, was struggling to conclude his father’s affairs because of

issues with a co-executor. The accountant from Warwickshire had spent thousands of pounds trying to resolve matters using a solicitor without success. In desperation, he renounced his rights as an executor.

A friend recommended he speak to Wilden, who cancelled the renunciation and applied for probate to be in Sam’s name only.

‘Caroline knew what to do and whom to speak to. My father’s estate is now settled,’ says Sam.

‘There are tens of thousands of people willing to give advice, some of it worthless, but you can also come across a gem – which is what Caroline was.’

How to check a professional’s reputation

I was fearful of the future – now I’m comfortably off

MORE than 700 professionals have made it on to VouchedFor’s list of top-rated financial advisers, mortgage brokers, accountants and solicitors.

For a professional to get there, they must receive a minimum number of positive reviews over the past 18 months – March 2014 through to September 2015.

In the case of the most sought-after professionals – financial advisers and mortgage brokers (all of whom must be

independent) they must have received at least 15 reviews with average scores of four or more. The maximum score is five.

Accountants and solicitors must have at least ten client reviews with average scores of four or more. So if a solicitor has ten reviews scoring four or more, but three with scores below four, they still appear in the top-rated tables.

Clients are asked to give a rating according to value, service and quality of advice. An average of

the three scores is used to arrive at a client’s overall rating.

All reviews – good and bad – are published on the website. Reviews can be instigated by the adviser or written by a client without their knowledge.

VouchedFor checks to ensure all reviews are genuine so the tables are a true reflection of a professional’s excellence.

Only the 1,200 professionals who subscribe to VouchedFor qualify for inclusion in the table.

to separate from her husband and plan to retire after a career in the Civil Service. She says: ‘It was the year I really got to grips with my personal and financial issues. I’ve not looked back since and I’m hap-pier than I have ever been.’

The 66-year-old, now retired, says she owes her rejuvenation in no small part to financial planner Neil Rossiter, whom she met in 2008 after a recom-mendation from her son Daniel.

Neil works for Blackdown Finan-cial, based in Taunton, Somerset.Since that first meeting, he has helped her refinance a loan she has on a buy-to-let flat in Liverpool. He has also taken control of her tax-friendly Isa investments.

But the most important thing he did, Angela reflects, is to give her the confidence to retire. She recalls: ‘I went into that first meeting sob-bing, not knowing what the future held. But I came out financially reassured that I could retire – and quite comfortably at that.’

Now financially sound, she spends her days meeting friends and her nights treading the boards for Teign-mouth Touring Theatre Company. Next month sees her starring in comedy Entertaining Angels, writ-ten by playwright Richard Everett.

Angela is not the only client of Neil’s to have been grateful for his calm and sensible advice. He has made it on to a list of 550 independ-ent financial advisers and mortgage brokers ‘top rated’ by website VouchedFor, based on positive feed-back from clients such as Angela.

Also ‘top rated’ are more than 70 solicitors and 100 accountants.

VouchedFor was set up three years ago to help people get in touch with professionals considered by custom-ers to be on top of their game. Until that point, most people found an adviser, tax expert, solicitor or mort-gage broker by word of mouth –

after speaking to friends and family. But many sought financial advice at their local bank, often being sold inappropriate products.

Competitor website unbiased offers a search facility to track down local experts. Though the service lets users identify advisers operating in specialist areas, such as equity release or pensions, it pro-vides no information on how they are rated by customers.

This is where VouchedFor steps in. It was set up by Adam Price, a former wealth manager at Barclays, because friends kept asking where to find a good financial adviser.

He didn’t have an answer. So he set about creating the financial serv-ices industry’s equivalent of TripAd-visor’s Travellers’ Choice awards.

Price, 36, says: ‘VouchedFor was born out of a belief that everybody deserves the best advice on life’s big decisions. Reading reviews from existing clients is a proven way for individuals to find the best adviser.’

He says more than 35,000 people have shared stories about how a financial professional has helped them achieve their goals – or not.

‘On the whole, they are testimony to the value that good advice can

bring – be it monetary gain, resolu-tion of a legal problem or peace of mind that your financial affairs are in good order,’ he says.

Visitors to the website are asked to enter their postcode and the profes-sion they are after – a financial adviser, mortgage adviser, solicitor or accountant. After a few more questions they are presented with

details of the ‘best’ individ-uals in the area and can read reviews left by existing clients. If they like a professional they can contact them by completing an enquiry form online or ringing 020 8022 3018 between 9am and 5pm. Price says all are vetted to ensure they are members of their respective

regulatory bodies. Reviews posted by clients are checked to ensure they are genuine. VouchedFor earns its money from advisers who subscribe to its service.

A search on the website last week for investment advice in the Taun-ton area on savings above £100,000 came up with Neil Rossiter, who was ranked in the top ten. Of the 30 reviews, one was by Angela. It said: ‘Neil helped me to make the deci-sion to retire from a job I hated when I was anxious about whether or not I could afford to do so.

‘He is advising me to spend some money on enjoying myself. He is patient in reassuring me that I need not worry and that the value of money lies in what we do with it.’

Neil, 43, who is married to Lisa, 37, by whom he has two children Libby, 8, and Evie, 6, says: ‘My job as a financial adviser is about putting in place effective financial plans for people so they can face the future with confidence.’

The Mail on Sunday September 27 • 2015 � tHE FInancIal proFEssIonals

From Page 1

writing a will

WILLPOWER: Caroline Wilden GRATEFUL: Sam Casamassa

Ensure your legacy isn’t a family feud

n Laura Shannon

ACTING ON A TIP: Amateur actress Angela Healy, left

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HOME TRUTHS: Adviser Neil Rossiter with wife Lisa and

their daughters Libby, 8, and

Evie, 6

September 27 • 2015 The Mail on Sunday tHE Financial proFEssionals �

These independent advisers have received the highest volume of positive client reviews on VouchedFor.co.uk in the past 18 months. Visit VouchedFor.co.uk/TopRated for full details. Advisers are listed by region and alphabetically according to location.

Britain’s top rated financialadvisers andmortgage brokers

CENTRAL ENGLAND

Roger Milbourn Aston Somerville ■■■■■ 28John Taylor Bewdley ■■■■■ 30Lisa Footes Birmingham ■■■■■■ ● 43Gary Franklin Birmingham ■■■■■■■ 20Natalia Lingiah Birmingham ■■■■■ ▲ 19Stuart Mosley Birmingham ■■ 15Robert Pryjmachuk Birmingham ■■ 14Michael Shepherd Birmingham ■■■■■ 23Duncan Hannay Robertson Cambridge ■■■ ▲◆ 32Sandy Ameer-Beg Coventry ■■■ 44Neil Padget Coventry ■■■■■■ ▲ 24Adrian Smith Coventry ■■■ ▲◆ 35Stephen Jones Derby ■■■■■■■ ▲◆ 13Ginny Kooner Derby ■■■■■ 23Richard Silverwood Derby ■■■■ 21Ian Couling Fleggburgh ■■■■■ 39Benjamin Clay Hinckley ■■■ 20Stewart Warden Hinckley ■ 25Geraldine Williams Hinckley ■ 20Sue Walker Irthlingborough ■ 18Alan Crowley Kenilworth ■■■■■ 16Peter Randle Kenilworth ■■■■■■ 16Anita Gatehouse Kidderminster ■■■■■ 21Paul Gorman Leamington Spa ■■■ ▲◆ 26Philip Adams Leicester ■■■ 13Scott Gallacher Leicester ■■■■■ ▲ 50Faisal Hamed Leicester ■■■■■■ 19Gary Metcalf Leicester ■■■■■ 40Ashvin Pankhania Leicester ■■■■■■ 26Stuart Evans Lichfield ■■■■ ▲ 32Gareth Reynolds Lichfield ■■■■■ ▲◆ 40Kevin Wood Lichfield ■■ 17Andy Wilson Lincoln ■■ 17David Bullard Lowestoft ■■■■■■ 17Nick Manning Lowestoft ■■■■ 18Chad Morris Lowestoft ■■■■■ ▲ 23Mark Elliston Malvern ■■■■ 16Tony Duckworth Mansfield ■■■■■■ ▲ 13Neil Gilbourne Newark ■■■■■■ 61Paul Joseph Flynn Newark ■■■■■■■ 20Craig McClurg Northampton ■■■■ 19Omar Osman Northampton ■■■■■■ ▲◆ 16Peter Barton Norwich ■■■■■ 18Mark Burton Norwich ■■■ 37Matthew Goddard Norwich ■■■ ▲◆ 11Sue Hodge Norwich ■■■ 18Linda Kent Norwich ■■■■■ 20David Pring Norwich ■■■■■ ▲ 22Stuart Sutton Norwich ■■■■■■■ 15George Utting Norwich ■■■■ 15Simon West Norwich ■■■■ 16Rebecca Aldridge Nottingham ■■■■■■ 13James Garman Nottingham ■■■■■ ▲● 20

James Halstead Nottingham ■ 36Wayne Harrison Nottingham ■■ 24Paul Hayes Nottingham ■■■■■■ 20Tim Steer Nottingham ■ 16Charlie Reading Oakham ■■ ▲ 12Wayne Clark Peterborough ■■■■ 52Roger Coe Peterborough ■ 21Noord Romjon Peterborough ■ 21Rebecca Taylor Peterborough ■■■■ ▲◆ 12Lloyd Richards Rugby ■ 47John Stirling Saffron Walden ■■■ ▲ 18Brian Benson Shrewsbury ■■■■■■ ▲◆● 14Simon Jenkins Shrewsbury ■■■ 16Sebastian van Mook Shrewsbury ■■■■■■ 21Lee Gardner Solihull ■■■■■■■ 23Colin Hart Solihull ■■■■ 46Jamie Gordon Spalding ■■■■■■■ 23Steve Farrell Stamford ■■ 21Jim Withers Stratford-Upon-Avon ■ 34Ivan Hutchings Streetly ■■ ◆ 17Peter Berwick Sutton Coldfield ■■■■ 17Mark Popple Sutton Coldfield ■■■■■ 22Paul Reid Sutton Coldfield ■■■■ 20Gavin Roberts Telford ■■■ ▲● 26Dave Thomas Tipton ■■ 23Craig Burgess Walsall ■■■■ ▲◆ 33Andrew Reeves Wellingborough ■■■■■■ ▲◆ 38Jane Sutton Wisbech ■■ 15David Stait Wolverhampton ■■■■■■ 21Nick Crabbe Worcester ■■■■■■ ▲◆ 12Matthew Taylor Worcester ■■■■■■ 16Gordon Carver Wymondham ■■■■ 15David Lister Wymondham ■■ 18

Name Town Services Qualifications Reviews

GREATER LONDON

NORTH OF ENGLAND

James McDermott Addlestone ■■ 41Michael Read Ashford ■■■ 12Louise Pepper Ashford ■■■■ ▲ 12Richard Thrower Banstead ■■■ 16Jonathan Murphy Bromley ■■ 19Jordan Batchelar Bushey ■■■■ 17Paul Hyland Caterham ■■■■■■ 13Alistair Mann Cobham ■■■■■■■ ▲ 50Simon Blackman Croydon ■■■■■■ 20Hardip Klear Dartford ■■■■■■■ 16Mary Waring East Molesey ■■■■ ▲ 23David Jolly Epsom ■■■■■ ◆ 16Sean Duffy Epsom ■ 31Dean Burns Hampton Wick ■■■■■■ 26Stewart Twidle Hampton Wick ■■■■■■■ ▲ 44Mitul Patel Harrow ■ 30Bill Paice Hornchurch ■■■■■ 18Stephen Trenholm Kingston Upon Thames ■■■■■■ 15Darren Collett Leatherhead ■■■■ 16James Oakley London EC1V ■■ 39Ruth Sturkey London EC1V ■■■■ ▲◆ 12Henrietta Oxlade London EC2A ■■■■■■ 23Shannon Currie London EC2M ■■■■ ◆ 19Ramesh Thakrar London EC2M ■■■■■■■■■ ▲ 33Simon Torry London EC2M ■■■■ ▲ 26Robert Wilcocks London EC2N ■■■■■■ ◆ 14Paul Ellis London EC2R ■■■■■■ 15

Martin Hill Alderley Edge ■■■ ▲◆ 16David Otway Alderley Edge ■■■ 19Tamsin Caine Altrincham ■■ ▲◆ 17Nick Dando Altrincham ■■■ 21

Jonathan Kinch London EC2R ■■■■■■ ▲ 40Shaun Persaud London EC2R ■ 16Patrick Murphy London EC3A ■■■■■■ ▲◆ 21Ray Rastall London EC3M ■■■■■ 30Justin Whitelock London EC3M ■ 26Michelle Gibbs London EC3N ■■■■ ▲◆ 17Dennis Hall London EC3V ■■■■ ▲ 16Lee Robertson London EC3V ■■■ 12Sebastian Hurst London EC4V ■■■■■■■■■ ▲ 32David Hadrava London EC4Y ■■■ ◆ 19Danny McFarlane London EC4Y ■■■■ 27David Ward-Smith London EC4Y ■■ 25Neil Jacobs London N12 ■■■■ 15Minesh Patel London N12 ■■■■ ▲ 15Andrew Sotiriou London N12 ■■■■■■■■ 21Owen Cook London NW1 ■■■■■■■■ 26Elliot Gothold London NW3 ■■■■■■ 16Hayley North London NW3 ■■■■■■■■■ ▲ 21Keith Galgut London NW7 ■■■■■ 31Chris George London SE1 ■■■■■■■ 13Kevin Hamblin London SE12 ■■■■■■ 13Dean McSloy London SW1P ■■■■■■ 15Simon Akroyd London SW1P ■■■■■ 19Robert Forbes London SW1W ■■■■■ ▲ 27Eugene Lawlor London SW1W ■■ 11Richard Platt London SW1W ■■■■■ 29Russell Hammond London SW6 Non-domiciled 18Ian Green London SW15 ■■■■■ 84Gareth Rees London SW19 ■■■ ▲◆ 21Elliott Swatton London SW19 ■■■■■ ▲ 33Dominic Thomas London SW20 ■■■■■ 38Khalid Javid London W1B ■ 27Adrian Banks London W1W ■■■■■■■■ ● 20Colm Costello London W3 ■ 16Rob Still London W4 ■ 55Charles Scholefield London W5 ■■■■■■ 16Anna Sofat London WC1H ■■■■ ▲◆ 21Jeremy Askew Loughton ■■■■■■ ▲◆ 64Fotis Joannou Orpington ■■■■■ 39Chandan Hinduja Pinner ■■■■ 16Dilip Kandaiah Pinner ■ 30John Lang Richmond ■■■ ▲◆ 34David Chew Romford ■■■■ 19Trevor Eldridge Shepperton ■■■■■■ ▲ 19Brendan Sheehan Sidcup ■■■■■■■■■ 20Andrew Pereira Stanmore ■■■ 24Harvey Clear Sutton ■■■ 33Paolo Standerwick Sutton ■■■■■■ 54Paul Favill Teddington ■ 33Harpreet Chadha Uxbridge ■ 25Chris Lee Uxbridge ■■■■■■■ 26Paul Standerwick Wallington ■■■■■■ 35Duncan Pilgrim Walton-On-Thames ■■■ 17Andrew Colyer-Worsell Watford ■■■■■■■ 16Dean Barham West Wickham ■■■■■■■■ 19Rachel Lane Weybridge ■■■■■■■ 20

Name Town Services Qualifications Reviews Name Town Services Qualifications Reviews

This colour coded key illustrates the adviser’s area of expertise and their qualifications

Services:

Qualifications:▲Chartered ◆Certified ●SOLLA (Society of Later Life Advisers)

■Investments and savings■Pension and retirement■Annuities■Inheritance planning■Insurance and protection

■Mortgages■Equity release■Occupational pension transfers■Auto enrolment

HOW TO USE THE TABLES

VouchedFor lists more than 700 independent financial advisers, mortgage brokers, solicitors and accountants that have been top rated by customers

The Mail on Sunday September 27 • 2015 � tHE Financial proFEssionals

Peter Hart Otley ■ ■ ■ ■ 22Mark Russel Preston ■ ■ ■ ■ ■ ■ 38Matthew Nickson Preston ■ ■ ■ 39Richard Rutherford Richmond ■ ■ ■ 82Wayne Davis Rochdale ■ ■ ■ ■ ■ 22Eric Mowinski Saddleworth ■ ■ ■ ▲ ◆ 21Matthew Cook Sale ■ ■ ■ ■ ■ 15Christopher Wicks Sale ■ ■ ■ ■ ■ ■ ▲ ◆ 14Paul Robinson Scarborough ■ ■ ■ ■ ■ 40Robert Atkins Sheffield ■ ■ ■ ■ 17Ian Christlo Sheffield ■ 23Paul Dorward Sheffield ■ 39Andrew Hursthouse Sheffield ■ ■ ■ ■ ■ 21James Lawton Sheffield ■ ■ ■ ■ ■ ■ ■ 23Nicholas Pratt Sheffield ■ ■ ■ ■ ■ 42Mark Shipman Sheffield ■ ■ ■ ■ ■ 15Lisa Vaughan Sheffield ■ ■ ■ ■ ■ ■ 13Mark Abley Spennymoor ■ ■ ■ ■ 15Allie Baglow St Helens ■ ■ ■ 61Matthew George St Helens ■ ■ ■ ■ ■ ■ 15Andrew Platt St. Helens ■ ■ ■ ▲ ◆ 30Steven Hendry Stafford ■ ■ ■ ■ ■ 18Chris Newland Stockport ■ ■ ■ ■ 51Ben Shirtliff Stockport ■ 27Paul Good Stockton-On-Tees ■ ■ 23Nick Matthews Stockton-On-Tees ■ ■ ■ ■ 29Frances Giliker Stoke-On-Trent ■ ■ ■ ■ ■ 38Pam Stockdale Stoke-On-Trent ■ ■ 16Richard Hollington Stone ■ ■ ■ ■ ■ ■ 17Paul Clough Sunderland ■ ■ ■ ■ ■ ■ ◆ 40Hannah Cowell Swadlincote ■ ■ ■ ■ ■ ■ ■ 31 Paul Dawson Swadlincote ■ ■ ■ ■ ■ ■ ■ 23Andrew Elson Wetherby ■ ■ ■ ■ ■ ■ ▲ ◆ 32Derrick Haigh Wigan ■ ■ ■ ■ 18Martin Stewart Wigan ■ ■ ■ ■ ■ 12Rehana Hindle Wilmslow ■ ■ ■ ■ ■ ■ 14Helen Brown Wirral ■ ■ ■ 33Christian Coventry Wirral ■ 23John Bramwell York ■ ■ ■ ■ 15Tom Hughes York ■ ■ ■ ■ ■ ■ ■ 22Warwick Ivel York ■ ■ ■ ■ ■ ■ ■ 16John McKay York ■ ■ 20Graham Thompson York ■ ■ ■ ■ ■ 22John Walker York ■ ■ ■ ■ ■ ■ ▲ 23Julie Wilson York ■ ■ ■ ■ ■ ▲ 36

SOUTH EAST ENGLAND

SCOTLAND & NORTHERN IRELAND

Duncan Farrar Altrincham ■ ■ ■ ■ ■ 16Graham Slater Altrincham ■ ■ ■ ■ ■ ▲ 29Stefan Stimpson Altrincham ■ 15Chris Weetman Altrincham ■ ■ ■ ■ ■ ▲ ◆ 28Gregory Whitfield Altrincham ■ ■ ■ ■ ■ ■ ▲ 20Mark Gill Barnsley ■ ■ ■ ■ ■ ■ ■ 26Stuart Dewin Blackpool ■ ■ ■ ▲ ◆ 15Michael McSparron Blyth ■ ■ ■ ■ ■ 25Phil O’Connor Bolton ■ ■ ■ ■ ■ ■ ▲ ◆ 49Ricardo Da Silva Brough ■ ■ ■ ■ ■ ■ ■ ■ ■ 21Christina Clegg Burnley ■ ■ ■ ■ ■ ■ ■ 36Steve Holmes Bury ■ ■ ■ ■ 20John Webb Cannock ■ ■ ■ ■ ■ ■ ▲ 28David Finan Carlisle ■ ■ ■ ■ ■ ■ ■ ▲ 39Andrew Day Cheadle ■ ■ ■ ■ ■ ■ ■ ▲ 37Richard Brocklehurst Chester ■ ■ ■ ■ ■ 35Chris Hargreaves Chester ■ ■ ■ ■ ■ ■ 14Mark Jones Chesterfield ■ ■ ■ ■ ■ ■ ■ ■ 47Shaun Oldfield Chesterfield ■ ■ ■ ■ ■ ■ 18Donna Robertson Chesterfield ■ ■ ■ ■ ■ 40Mike Clarke Chorley ■ ■ ▲ 31Stephen F Danson Chorley ■ ■ ■ ■ ■ ■ ■ ▲ 27Paul Taylor Chorley ■ ■ ▲ 23Paul Lewis Clitheroe ■ ■ ■ ■ ■ ■ ■ ■ ■ 34Kate Boon Consett ■ ■ ■ ■ ■ 26Stephen Sumner Cramlington ■ ■ ■ ■ ■ ■ ■ ■ 20Mike Pendergast Crewe ■ ■ ■ ■ ■ ■ ■ ■ 54Emma Richardson Darlington ■ ■ 22Pete Cassar Derbyshire ■ ■ ■ ■ ■ ■ ▲ 15Peter Huddart Doncaster ■ ■ ■ ■ ■ ■ 16Sally Mallinson Dronfield ■ ■ ■ ■ ■ ■ ■ ▲ 15Graeme Pegman Gateshead ■ ■ ■ ■ ▲ 26William Churchill Guisborough ■ ■ ■ ■ ■ ■ 33Laurence Turner Halifax ■ ■ ■ ■ ■ ▲ 31Gregg Crawford Hessle ■ ■ ■ ■ ■ ■ 21Sean McDermott Heswall ■ ■ ■ ■ ■ ■ ■ ■ 23Yianni Theodorou Heywood ■ ■ ■ ■ ■ ■ ■ ■ ■ 44William Smith Hoylake ■ ■ ■ ■ 21Stephen Baxter Huddersfield ■ ■ ■ 31James Glasheen Huddersfield ■ ■ ■ ■ ■ ■ 19Steven Haigh Huddersfield ■ ■ ■ ■ ▲ 17Chris Dixon Keighley ■ ■ ■ ■ ■ ■ ■ 24Andrew Hardaker Keighley ■ ■ ■ ■ ■ 26Ben Town Keighley ■ ■ ■ ■ ■ ■ ▲ 33Jason Brockie Lancaster ■ ■ ■ ■ ■ ■ 20Andrew Dodd Leeds ■ ■ ■ ■ ■ ▲ 15Darren Goodall Leeds ■ ■ ■ ■ ■ ■ ■ ■ 22Chris Hawkins Leeds ■ ■ ■ ■ ■ ■ 13Vincent Knight Leeds ■ ■ ■ ■ ■ 15Vinny Lall Leeds ■ ■ ■ ■ ■ 34Martin Miller Leeds ■ ■ ■ ■ ■ 29Brian Newton Leeds ■ ■ ■ ■ ■ ■ 29Barry Orr Leeds ■ ■ ■ ■ ■ ■ 38Alan Parkin Leeds ■ ■ ■ ■ ■ ■ 33Chris Riley Leeds ■ ■ ■ ■ ■ ▲ 26Luke Saint Leeds ■ 23Alexander Shaw Leeds ■ ■ ■ ■ ■ ■ 22Claire Stones Leeds ■ ■ ■ ■ ■ ▲ 28Paul Turner Leeds ■ ■ ■ ■ ■ ■ ▲ ◆ 34David Wynick Leeds ■ ■ ■ ■ ■ 29Chris Douglas Liverpool ■ ■ ■ ■ ■ 19Chris Lunt Liverpool ■ ■ ■ ■ 55Ray Garnett Liversedge ■ ■ ■ ■ ■ ■ 24Darron Whitehead Liversedge ■ ■ ■ ■ ■ ■ ■ 32Alastair Miller Lymm ■ ■ ■ ■ 17Mark O’Neill Lytham ■ ■ ■ ■ ▲ 22Dale Hammond Lytham St. Annes ■ ■ ■ ■ ■ ■ 15James Collins Macclesfield ■ ■ ■ ■ ■ ■ 41Mark Haymes Manchester ■ ■ ■ ■ 21Paul Lindfield Manchester ■ ■ ■ ■ ■ 18George Oghani Manchester ■ ■ ■ ■ ■ 70Dan Payne Manchester ■ ■ 17Simon Warburton Manchester ■ ■ ■ ■ ■ 23Paul Ward Manchester ■ ■ ■ ■ ■ ■ 27John Hartley Mexborough ■ ■ ■ ■ ■ 38Martin Jinks Middlesbrough ■ ■ ■ ■ ■ ■ ■ ■ 26Adam Henderson Morpeth ■ ■ ■ ■ ■ ■ ■ ■ 14David Pritchard Nantwich ■ ■ 25Aaron McPhail Ness (Cheshire) ■ ■ ■ ■ ■ ■ 15Carl Elsby Newcastle Under Lyme■ 30Karl Lawton Newcastle Under Lyme■ ■ 26Gary Barnes Newcastle Upon Tyne ■ ■ ■ ▲ ◆ ● 15Christopher John Booth Newcastle Upon Tyne ■ ■ ■ ■ ■ ■ ■ 19Stephen McDine Newcastle Upon Tyne ■ ■ ■ ■ ■ ■ ■ 20Simon Richards Newcastle Upon Tyne ■ ■ ■ ■ ■ ■ 27Carrie-Ann Woodgate Newcastle Upon Tyne ■ ■ ■ ■ ■ ■ 15David Rogers Newton Le Willows ■ ■ ■ ■ 17Derek Dryden Northallerton ■ ■ ■ ■ ■ 85Mark Ferris Northwich ■ ■ ■ ■ ■ ▲ 21Jon Hall Oldham ■ ■ ■ ▲ 15Angela Maher Ormskirk ■ ■ ■ ■ ■ ■ 30Jon Routledge Ormskirk ■ ■ ■ ■ 13



Tennielle McIlroy Ballymena ■ ■ 41Ross Bennett Antrim ■ ■ ■ 22Martin Joyce Bridge Of Weir ■ ■ ■ ■ 16Carl Melvin Bridge Of Weir ■ ■ ■ ■ ■ ▲ ◆ 120David Gibson Coleraine ■ ■ ■ ■ ■ ▲ 43Martin Shades Cumbernauld ■ ■ ■ ■ ■ 16Jeff Annal Dumbarton ■ ■ 14Ciaran Scullion Dungannon ■ ■ ■ ■ ■ ■ 15Hugo Balfour-Melville Edinburgh ■ ■ ■ ■ 19Colin Campbell Edinburgh ■ ■ ■ ■ ■ 25Chris Donald Edinburgh ■ ■ 22Colin McGugan Edinburgh ■ ■ ■ ■ ■ ■ 26Ian McKenzie Edinburgh ■ ■ ■ ■ 23Douglas Harley Falkirk ■ ■ ■ ■ ■ ■ ▲ 20Clayton Cumming Glasgow ■ ■ ■ ■ ■ ■ 28Alan Dick Glasgow ■ ■ ▲ ◆ 28Henry Gribben Glasgow ■ ■ ■ ■ ■ ■ ■ 24Paul McCaughey Glasgow ■ ■ ■ 18Ian McCracken Glasgow ■ ■ ■ 15Damien Paterson Glasgow ■ ■ ■ ■ ■ ■ ■ ■ 15John Porter Helensburgh ■ ■ ■ ■ ■ ■ 39Jean Dawson Kinross ■ ■ ■ ■ ■ ■ 24Graeme Inglis Kirkcaldy ■ ■ ■ ■ ■ ▲ 30Chris Mackie Kirkcaldy ■ ■ ■ ■ ■ ■ ▲ 16Julie Flynn Lanarkshire ■ ■ ■ ■ ■ ■ 35David Hill Larne ■ ■ ■ ■ ▲ ◆ 29Emma Baird Lossiemouth ■ ■ ■ 22Colin McConnachie Lossiemouth ■ ■ ■ ■ 18Paul Chada Magherafelt ■ ■ ■ ■ ■ ■ 19Ross Stisi Musselburgh ■ 15Frank Smyth Newry ■ ■ ■ ■ ■ 17Gareth Morrison Portadown ■ ■ 19John Miller Prestonpans ■ ■ ■ ■ ■ ■ ■ 22Chris Corbett Southsea ■ 27David Arthur St. Andrews ■ ■ ■ ■ 19

Mark Insley Ascot ■ ■ ■ ■ ■ ■ ■ ■ ■ 47Doug Muirhead Aylesbury ■ ■ ■ ■ 23Debbie Ormerod Aylesbury ■ ■ ■ ■ ■ 15Paul Ormerod Aylesbury ■ ■ ■ ■ ■ ■ 23Geraint (Gee) Spiller Aylesbury ■ ■ 17Ian Shipway Bagshot ■ ■ ◆ 11Mike Robertson Battle ■ ■ ■ 45David Gunnersen Beaconsfield ■ ■ ■ ▲ ◆ 18Gary Beck Benfleet ■ ■ ■ ■ ■ ■ ▲ 17Patrick Reeve Benfleet ■ ■ 18Michael Woollard Benfleet ■ ■ ■ ■ ■ ■ ■ 22Clive Collett Bicester ■ ■ ■ ■ 11Jenny Jackson Biggleswade ■ ■ ■ ■ 22Paul Davis Billericay ■ ■ ■ ■ ■ ■ ■ 59Matt Baker Bishop’s Stortford ■ ■ ■ 14Kim Barrett Bishop’s Stortford ■ ■ ■ ■ ■ ■ ▲ 56Ian Batterbee Bishop’s Waltham ■ ■ ■ ■ ■ ■ ■ ■ 15Richard Elliott Bordon ■ ■ ■ ■ ■ ◆ 26Luke Richards Bournemouth ■ 27John Kearney Braintree ■ ■ 14Paul Lloyd Brentwood ■ ■ ■ ■ ■ ■ ■ 14Colin Warburton Brighton ■ ■ 15Ketan Shah Brookwood ■ ■ ■ ■ ■ 43Philip Hanley Burford ■ ■ ■ ■ ■ 81Andy Manning Bury St Edmunds ■ ■ ■ 25Kevin Bray Chelmsford ■ ■ ■ ■ ■ ■ 37Gavin Dixon Chelmsford ■ ■ ■ ■ ■ ■ ■ 23Louis-Rhys Harvey Chelmsford ■ ■ ■ ■ ■ ■ ■ ■ 19Diane Wilkins Chelmsford ■ ■ ■ ■ ■ 29Philip Clark Chesham ■ ■ 20Justin King Christchurch ■ ■ ■ ■ ■ ■ ▲ ◆ 17Peter Emery Colchester ■ ■ ■ ■ ■ ▲ 65Ken Kerr Colchester ■ ■ ■ ■ 15Tony Pomphrett Colchester ■ ■ ■ 22Sarah Travers Colchester ■ ■ ■ ■ ■ ■ 16Arthur Childs Cranleigh ■ ■ ■ ■ ▲ ◆ 63Andrew Neligan Cranleigh ■ ■ ■ ▲ ◆ 36John Mason Crawley ■ ■ ■ 19Andrew Brady Crowborough ■ ■ ■ ■ ■ ■ ■ 24Mark Grunwell Crowborough ■ ■ ■ ■ ■ ■ ■ ■ ▲ 18Simon Munday Crowborough ■ ■ ■ ■ ■ ■ 18Patrick Waller Crowthorne ■ ■ ■ ■ ■ ▲ 33Andrew Peirson Dunmow ■ ■ ■ ■ ◆ 11David Simmonds East Peckham ■ ■ ■ ■ ■ ■ ■ 25Paul Clifford Eastbourne ■ ■ ■ ■ ■ 90Stuart Curtis Fareham ■ ■ ■ ■ ■ ■ ■ 40Michelle Lawson Fareham ■ ■ 38Sam O’Mara Fareham ■ ■ ■ ■ ■ ■ ■ ▲ 18Paul Stewart Fleet ■ ■ ■ ■ ■ ■ 16Alicia Baker Folkestone ■ ■ 18Andrew Parmenter Folkestone ■ ■ ■ ■ ■ ■ 19Harry Masson Gillingham ■ ■ ■ ■ ■ ■ ■ ■ 19Greg Neall Guildford ■ ■ ■ ■ ■ ▲ 15Geoff Buckland Harpenden ■ ■ ■ ■ ■ ■ 48Nick Evans Hatfield ■ ■ ■ ■ ■ ■ 48

Jonathan Gibson Aberdeen ■ ■ ■ ■ ■ ■ ■ ▲ ◆ 23David Milloy Alva ■ ■ 19

To contact any of these professionals visit VouchedFor.co.uk/TopRated

or call 020 8022 3018


Services:

Qualifications:▲ Chartered ◆ Certified ● SOLLA (Society of Later Life Advisers)

■ Investments and savings■ Pension and retirement■ Annuities■ Inheritance planning■ Insurance and protection

■ Mortgages■ Equity release■ Occupational pension transfers■ Auto enrolment



Peter Burke Croydon ■■■■ ◆ 11Graham Cohen Croydon ■■■■■■ ▲ 11Muhammad Moavia Croydon ■■■■■■ ◆ 11Martin Tiano Edgware ■■■■■■ ▲ 11Steve Mcgregor Hampton ■■■■■ ● 11Prakash Jariwala Harrow ■■■■■ ▲ 11Simon Lee London, E1 ■■■■ ● 12Shahzad Malik London, E7 ■■■■ ◆ 11Syed Kashif Zafar London, E12 ■■■ ◆ 11Aamir Qadri London, E15 ■■■■ ◆ 11Kathryn Houliston London, EC2M ■■■ ◆ 12Gabriella Alexander-Passe London, N3 ■■■■ ▲ 11Asif Hassan London, N3 ■■■■■■ ▲ 12Peter Taylor London, N3 ■■■■■■ ▲ 12David Colom London, N12 ■■■ ▲ 11Paul Moston London, N21 ■■■■■ ▲ 12Richard Plasek London, SE1 ■■■■■ ● 12Janak Pokhrel London, SE18 ■■■■■■ ◆ 12Babalola Fakolujo London, SW9 ■■■■■ ◆ 12Navin Sapkota London, SW14 ■■■■ ◆ 12Paul Stankiewicz London, SW20 ■■■■■ ▲ 14Mehmet Gazioglu London, W1F ■■■■ ◆ 12Franklin Atille London, W4 ■■■ ◆ 11Shankar Devarashetty London, W4 ■■■■■■■■ ◆ 12Paul Watson London, W14 ■■■■ ◆ 12Richard Hill London, WC1N ■■■■ ▲ 12

These accountants have received the highest volume of positive client reviews on VouchedFor in the past 18 months. Accountants are listed by region and alphabetically according to location.

Britain’stop rated accountants

SOUTH WEST ENGLANDWALES

Name Town Services Qualifications Reviews Name Town Services Qualifications Reviews Name Town Services Qualifications Reviews



Neil Screaton Atherstone ■■■ ▲ 10Samantha Rollins Coventry ■■■■ ▲ 10Graham Wilcox Derby ■■■■■ ▲ 10Chris Allen Kenilworth ■■■■■ ◆ 10Karen Butler King’s Lynn ■■ ◆ 10Nicholas Tunnard King’s Lynn ■■■■■ ▲ 10Kaaeed Mamujee Leicester ■■■■■■ ▲ 10Logan Khan Lichfield ■■■■ ◆ 10Katherine Baines Malvern ■■■■ ◆ 10Nicholas Hall Melton Mowbray ■■■■■■ ▲ 11Kevin Lane Northampton ■■■■■ ▲ 11Robin Hartley Nuneaton ■■■■■ ◆ 11Rachel Pittaway Oswestry ■■■ ◆ 11

Prince Daramola Bromley ■■■■ ◆ 11

Clifford Bird Haywards Heath ■■■ 11Frank Smith Hertford ■■■■■ 15Amyr Rocha-Lima High Wycombe ■■■■■■ ▲ 23Rory Joseph Hitchin ■■■■■■ 15Jonathan Smith Hitchin ■■■■■■ 24Helena Wardle Hitchin ■■■■■ 20Andrew James Hockley ■■■■■■ 18Arun Cooke Horsham ■■■■■ ▲ 38Edward Lowe Horsham ■ 26Marco Vallone Hove ■■ 17David Connor Hove ■■■■■■ 38Ray Best Hurst ■■■■ 34Michael Baker Ipswich ■■■■ 17Rob Case Ipswich ■■■■■■■■ 60Luke Durrant Ipswich ■■■■■■■■■ 57Mark Firman-Andrews Ipswich ■■■■ 18Adrian Keith Ipswich ■■ 16Colin Low Ipswich ■■■■■■■ ▲ 17Gary Moody Ipswich ■■■ 28Mark Thompson Ipswich ■■■■ 40Russell Wiles Ipswich ■■■■■■■ 16Caroline Anstee Kettering ■■■■■ 20Paul Duval Loudwater ■■■■■ 11Russell Tilbury Maidenhead ■■ 18John Crabtree Maidstone ■ 30James Etheridge Maidstone ■■■■ 21Tony Byrne Milton Keynes ■■ ▲◆ 19Karl Wilkinson Milton Keynes ■ 27Alex Breadmore Newbury ■■■■■ ▲ 13Paul Edwards Newbury ■■■ ▲ 26Chris Hall Newbury ■ 22Simon Moran Newbury ■■■■■ ▲ 23Ray Ingleby Pamber Heath ■■■■■■■ 17Petra Griffiths Peacehaven ■■■■■■ 20Gary Neild Poole ■■■■ 15Lewis Chapman Ramsgate ■■ 83Clayton Shipton Rayleigh ■■ 95Paul Harrington Reading ■■■■■■ 31Chris Pownall Reading ■■ 24Scott Davis Reigate ■■■■■■ 30Steven McLaughlin Reigate ■■■■■■■ 41Tara Harper Ringwood ■■ 19Philip Cross Rochester ■■■■■■■■■ 23Simon Lipscombe Romsey ■■■■■■■ ▲ 21Christopher Moseley Romsey ■■■■ 28Tristan Renfree Ross-On-Wye ■■■■■■■ ▲ 45Terry Weller Saxmundham ■■■ 19Lee Waters Seaford ■■■■■■■ 18Alec Cameron Sevenoaks ■■■ 24Mike Fisher Sevenoaks ■■■■■■ ▲ 34Steven Hotham Sevenoaks ■■ ▲◆ 18Terry Stuart Shefford ■■■■ 34Robin Clarke Shoreham-By-Sea ■■■ ▲◆ 18Angus Willson Shoreham By Sea ■■■■■■■■ 25Ken Bannister Southampton ■■■■■■■ 31Jonathan Holdaway Southampton ■■■■■■■■ ▲ 22

Mark Bastable Andover ■■■■■■■ 49Adam Hair Barnstaple ■■■■■■ 17Philip Milton Barnstaple ■■■■ ◆ 21Andy Pearce Barnstaple ■■■■■■■ 40Markas Gilmartin Bath ■■■■ ▲◆ 24Patricia Lake Bath ■■■ ◆ 17James Morris Bath ■■■■■■■ 16Richard Stone Bideford ■■■■ 16Andrew Mackenzie-Shapland Bideford ■■■■■■ 28Mark Davis Bridgwater ■■■ 20Tom Buss Bristol ■■■■■■■ 16Thomas Crane Bristol ■■ 18Scott Ellis Bristol ■■■■■■ 13Chris Hues Bristol ■■■■■■ 22Guillaume Keirle Bristol ■ 25David Milne Bristol ■■■■■ 22Alex Parker Bristol ■ 15Max Tennant Bristol ■■■■■ 17Tim Horrocks Cheltenham ■■■■■ 15Terry Brimble Chippenham ■■■■ 15Neil Mayfield Crewkerne ■■■■■■■■■ ▲ 18Karen Cooper Dartmouth ■■■■■■■ 16Jason Mountjoy Dartmouth ■■■■■■ 35Chris Breward Durham ■■■■■ ▲ 56Martin Waistell Exeter ■■■■ 19Chris Stenlake Exmouth ■■■■■ ▲ 22Della Price Gloucester ■■ 16Michael Raymond Ilminster ■■■ 15Stuart Read Kingsbridge ■■■■■■ 18Charlie Brown Kingsbridge ■■■■■ 32Jason Whitehead Lydney ■■ 18Abigail Stidworthy Newton Abbot ■■■■■■ 32Robert Muscutt Ottery St. Mary ■■■■■■ 33Alan Powell Penzance ■■■ 21

Shane Hyland Abercynon ■■■■ 22Gareth Harris Caerphilly ■■■■■■■■ 19Steve Carlson Cardiff ■■■■■■ ▲ 17Craig Palfrey Cardiff ■■■■ ◆ 73Oliver Pughe Cardiff ■■■■■ 40Jonathan Richards Cardiff ■■■■■■ 22Tony Thomas Cardiff ■■■■■ ▲ 15Bob Windust Cardiff ■■■ 43Paul Boulton Conwy ■■■■ 48Andrew Tucker Cwmbran ■■■■ ▲◆ 35Jason Witherspoon Llanelli ■■■■■■ 18Aled Phillips Llanelli ■■■■■■■ 21Ray Adams Newport ■■■■■■■■■ ▲ 28Andrew Gait Newport ■■■■■■ ▲◆ 51John Pearson Penarth ■ 25Marcus Rees Penarth ■■■■■■■■ 19David Stealey Penarth ■■■■■■ 15Stephen Davies Pontypridd ■■■■■■■ 47Tom Roberts Pontypridd ■■■■■■■■■ 15

Glynne Dunn Plymouth ■■■■■■ 15Paul Herd Plymouth ■■■■■■■ ▲ 19Peter Lee Plymouth ■■■■■ 16Keith Lowden Plymouth ■■■■■■ 21Steve Sims Plymouth ■■■ 15Mark Stallard Stonehouse ■■■ 40Suzanne Gore Swindon ■ 19Sanjay Badhan Swindon ■■■■■■■■■ 30Samantha Cooper Taunton ■■ 29Roger Dekkers Taunton ■■■■■■■ 26Dave Penny Taunton ■■■■■■■■■ 43Michael Rogers Taunton ■■■■■■■ 18Neil Rossiter Taunton ■■■■■ ▲◆ 27Mark Weymouth Taunton ■■ 16Ian Pennicott Torquay ■■■■ ▲ 14Jonathan Walker Torquay ■■■■ 19Duncan Cameron Truro ■■■■ 14Ged Dixon Truro ■■■■ ▲ 32Ronan Marrion Truro ■■ 29

CENTRAL ENGLAND

GREATER LONDONTo contact any of these professionals

visit VouchedFor.co.uk/TopRated or call 020 8022 3018


or call 020 8022 3018

Robert Howard Southend-On-Sea ■■■■■■■ 37David Tickett Southend-On-Sea ■■■ ◆ 32Clive Meekham St-Leonards-On-Sea ■■■■■■■ 14Mark Johnson Swadlincote ■■■■■■ ▲ 40Philip Hadlow Toddington ■■■■■■■■■ 33Paul Hammond Waterlooville ■■■■■ 18Mark Hancock Waterlooville ■ 29Mark Graham Waterlooville ■■■■■■ 18Jon Elkins Wendover ■■■■■ ▲ 32Brian Davies Westerham ■■■■ 18Adrian Seager Wimborne ■■■■■■■■ 31David Shepherd Wimborne ■■■■■■ ▲ 37Ian Sparks Wimborne ■■■■■ 77David Bright Witham ■■■■■■■ 15Sian Conway Woking ■■■■■■ ▲ 40Jonathan Walsh Wokingham ■■■ ▲ 26Richard Cohen Worthing ■■■■■■■ ▲ 18Samuel Dearnley Worthing ■■■■■■ 21Ivan Lyons Worthing ■■■■■■■■■ ▲ 63Alec McHale Worthing ■■■■■■■■ 17

This colour coded key illustrates the accountant’s area of expertise and their qualifications

Services:

Qualifications:▲ICAEW ◆ACCA ●CIMA ■CAI

■Accounting and bookkeeping■Personal tax and self assessment■Business tax■Planning and consultancy

■Business funding■Audit and assurance■Insolvency■Bankruptcy and debt


(ICAEW is the Institute of Chartered Accountants in England and Wales. ACCA is the Association of Chartered Certified Accountants. CIMA is the Chartered Institute of Management Accountants. CAI is the Certified Accountants Ireland)


Services:

Qualifications:▲Chartered ◆Certified ●SOLLA (Society of Later Life Advisers)

■Investments and savings■Pension and retirement■Annuities■Inheritance planning■Insurance and protection

■Mortgages■Equity release■Occupational pension transfers■Auto enrolment


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The Mail on Sunday September 27 • 2015 � tHE Financial proFEssionals


These solicitors have received the highest volume of positive client reviews on VouchedFor in the past 18 months. Solicitors are listed by region and alphabetically according to location.

Britain’s top rated solicitors

Fahad Ansari Duncan Lewis Birmingham ■ 12Thomas Parkes Keelys Lichfield ■ 13Richard Arney Probate Solicitors Solihull ■ 12Caroline Wilden Probate Solicitors Solihull ■ 20Louis Brandt Wilkinson & Butler St. Neots ■■■ 35Lisa Pickering Picasso Legal Telford ■■ 23

David Chandra Judge and Priestley Bromley ■ 15Saffora Choudri SC LAW Harrow ■■■ 14Marie Quinn M2M Community Harrow ■■■■■■■■■ 20Deepak Vij ABV Solicitors Hayes ■ 10Rizvan Anwar Arcadian Law London, E11 ■■■■■■ 14Majid Khan Arcadian Law London, E11 ■■■■■■ 10Ian McLarty McLartys London, E17 ■ 16Roger Davis Minster Law London, EC2M ■ 10Timothy Bird Field Fisher Waterhouse London, EC4R ■ 10Daniel Oakland Oakland & Co London, NW8 ■■■ 21Peter Korn Interface Legal Advisory Service London, NW4 ■■■ 35Rahul Batra Hudson McKenzie London, SE1 ■■■■■■■ 11

Lee Wilkins The Commercial Law Practice Dorchester ■■■■ 22Judith Derbyshire Purely Probate Glastonbury ■■ 17Adrian Bressington AB Family Law Gloucester ■■■ 10

Alex Cook Helix Law Brighton ■■■■■ 10Michelle Ellis Atkins Thomson Bury St. Edmunds ■ 15Claudia Parks ST Solicitors Chelmsford ■■ 16Darren Sherborne Sherbornes Cheltenham ■ 15Ruth O’Mahoney Lynn Murray & Co Cranleigh ■ 11Paula Marshall Lynn Murray & Co Cranleigh ■■ 31Lynn Murray Lynn Murray & Co Cranleigh ■■ 90Christopher Churchers Bolitho Way Lee-On-The-Solent ■ 13Matthews Vaishali Dave UK Law Luton ■■■■■■■ 13Sajid Malik UK Law Luton ■■■■■■■ 17 ■■■■■

Rod Dutton Jacobs & Reeves Poole ■■ 14Victoria Girsa Bernard Chill & Axtell Portsmouth ■ 14Elaine Parkes Elaine Parkes Rye ■ 16Rayma Collins Warners Sevenoaks ■ 11Kuljinder (Tony) Cameron Clarke Law Firm Slough ■■■■■■■■ 15Shergill James Braund Trethowans Southampton ■ 13Tim Ryan Warners Tonbridge ■■ 12Nicholas FairweatherFairweathers Whitstable ■ 11Jayne Marie Gill TP Legal Woking ■■■ 14Tariq Phillips TP Legal Woking ■■■■■■ 16

Robert Clarke L A Steel Barnsley ■■■ 12Nasreen Karim Platinum Partnership Bradford ■■■■■■■ 14Paul Darlington Smith Jones Burnley ■ 13Mairtin Breathnach Cullimore Dutton Chester ■■■■ 11Anthony Hakes Devine Law Hull ■■■ 12

Caroline Shaw Ward Legal Hull ■ 16Francis O’Neill O’Neill Injury Keighley ■ 11Samira Cakali SCE Solicitors Leeds ■■ 14Andrea Dyer Lupton Fawcett Denison Till Leeds ■ 12Daniel Sugaré Sugaré & Co Leeds ■■■ 12Michael Sandys Jackson Canter Liverpool ■■■■ 16Peter Gibson Coles Solicitors Northallerton ■■■■■■■ 10Joe Bartlett Harthills Rotherham ■ 11Jay Bhayani Bhayani HR & Employment Law Sheffield ■ 15Michelle Cooper Acclaimed Family Law Sheffield ■ 27Leigh Green Lupton Fawcett Denison Till Sheffield ■ 10Mike Smyth ORJ Solicitors Stafford ■■■■■ 13

CENTRAL ENGLAND

GREATER LONDON

SOUTH WEST ENGLAND

SOUTH EAST ENGLAND

NORTH OF ENGLAND

Dean Kingham Swain & Co London, SE8 ■ 13Ajmal Hussain Pothecary Witham Weld London, SW1V ■■■■ 32David Thayaparan David Benson London, SW19 ■■■ 11Mariampillai Daniel Martin Blaser Mills London, W1K ■ 17Piers Desser Ronald Fletcher Baker London, W1U ■ 13Paul Petrov Ma Law London, W2 ■■■ 12Kay Piper Lyndales London, WC1H ■ 18Attieh Fard Sookias & Sookias London, WC1V ■■■ 12Nick Davies Seth Lovis & Co London, WC2E ■■■ 13Jennifer Gill Seth Lovis & Co London, WC2E ■■■■■ 13Ravi Gill Seth Lovis & Co London, WC2E ■■■■ 14Gavin Hughes Seth Lovis & Co London, WC2E ■ 14Andrew Maidment Seth Lovis & Co London, WC2E ■■ 12Angela Richards Seth Lovis & Co London, WC2E ■ 13Jonathan Sara Seth Lovis & Co London, WC2E ■ 13Jonathan Tyler Seth Lovis & Co London, WC2E ■■■■■ 14Mags Trench Barrco Tadworth ■ 52Marc Jones Turbervilles Uxbridge ■■ 12

This colour coded key illustrates the solicitor’s area of expertise.

■Property and conveyancing■Immigration■Divorce and family■Employment■Crime■Wills and probate

■Disputes■Business■Intellectual property■Accidents and injuries■Finance■Other



or call 020 8022 3018

Name Firm Name Town Services Reviews



Name Town Services Qualifications ReviewsSimon Bulteel Bexhill-On-Sea ■ ◆ 17Keith Spencer Billericay ■■■■ ▲ 17Paul Dixon Bishop’s Stortford ■■■ ◆ 18David Cornish Chalfont St. Giles ■■■ ▲ 18Colin Barker Chelmsford ■■■■ ▲ 18Debbie Wakefield Chelmsford ■■■■■ ▲ 18Michelle Matthews Cranleigh ■ ◆ 18Michael Ogilvie Eastbourne ■■■■■■ ▲ 18Caroline Warrington Haslemere ■■■■■■ ▲ 19Paul Hutt Hatfield ■■■■■ ▲ 19Jon Green Havant ■■■■ ▲ 19Emma Austin Hitchin ■■■■■ ● 19Mary Majoni Luton ■■■■ ● 19Paul Sale Maidstone ■■■ ◆ 20Kenny Fitzgerald Milton Keynes ■■■ ◆ 20

Madeleine Averna New Milton ■■■■ ▲ 20Simon Thomas Oxford ■■■■■■ ▲ 21Phil Woodgate Peacehaven ■■■■ ◆ 22Andrew Murphy Rochford ■■■■■ ▲ 22Tracey Nicholls Royston ■■■ ◆ 23Daniel Tremain Sittingbourne ■■■■ ◆ 23Alex Zerafa Southampton ■■■■ ● 23Malcolm Gray Tunbridge Wells ■■■■■■ ◆ 23Jean Calas-Hathaway Woking ■■■■ ◆ 24Rob Melhuish Wokingham ■■■■■ ▲ 25

SCOTLAND & NORTHERN IRELANDMichael Ross Belfast ■■■■■ ■ 16Patrick Evans Berwick-Upon-Tweed ■■■■■ ◆ 16Dermot Corr County Antrim ■■■■■ ■ 16Raymond Hutt Cupar ■■■■■ ◆ 17Diane Meynell Dufftown ■■■ ● 17Gordon Sheppard Dunfermline ■■■■ ◆ 17

SOUTH EAST ENGLAND

WALES

SOUTH WEST ENGLAND

Peter Denton Llandudno ■■■■■■ ◆ 34

Martin Vincent Bristol ■■■■■ ▲ 26Neil Mullen Durham ■■■■■■ ▲ 27Tim Smith Launceston ■■■■■ ▲ 29Philip Gurnhill Malmesbury ■■■■■ ● 29Dave Walker Ottery St. Mary ■■■ ◆ 31Paul Chapman Plymouth ■■■■■■ ● 33Marc Lawson Plymouth ■■■■■ ▲ 33


or call 020 8022 3018

NORTH OF ENGLANDKamlesh Rajput Ashton-Under-Lyne ■■■■■ ◆ 14James Goffe Barrow-In-Furness ■■■■■■ ▲ 14Neil Tomlin Beverley ■■■■■■ ◆ 14Alan Woods Birkenhead ■■■■■ ◆ 14Steven Glicher Cheadle ■■■■■■ ▲ 14Peter Taylor Ellesmere Port ■■■■ ◆ 14Martin Wigley Fleetwood ■■■■■■ ▲ 14John Shackleton Harrogate ■■■■ ◆ 14John Oddy Ilkley ■■■■ ◆ 14Andrew Ellis Knutsford ■■■■■ ▲ 15Russell Smith Leeds ■■■ ▲ 15Michael Sparrow Leeds ■■■■■ ▲ 15Matthew Whelan Leeds ■■■■■ ◆ 15Murray Patt Manchester ■■■■■■ ▲ 15Gareth Burton Northwich ■■■■■ ◆ 15Hirsch Sharma Ormskirk ■■■■ ● 15Paul Kingham St. Helens ■■■■■■ ▲ 15Simon Leigh Stockport ■■■■ ▲ 15Paul White Wallasey ■■■■■ ● 15John Harrison Worksop ■■■■■ ▲ 15

Jibran Qureshi Stanmore ■■■■■ ◆ 12Adam Shaw Teddington ■■■ ▲ 13Claire Georghiades Teddington ■■■■■ ▲ 13Laura Kenyon Thames Ditton ■■■■ ▲ 13Simon Charing Waltham Abbey ■■■■ ▲ 13Paul Meades Watford ■■■■■ ◆ 13Rani Jeyaseelan Watford ■■■■■ ◆ 13Lynn Gibson West Byfleet ■■■■■ ▲ 13Neil Shah West Drayton ■■ ◆ 14Puja Shah West Drayton ■■■ ◆ 14


This colour coded key illustrates the accountant’s area of expertise and their qualifications

Services:

Qualifications:▲ICAEW ◆ACCA ●CIMA ■CAI

■Accounting and bookkeeping■Personal tax and self assessment■Business tax■Planning and consultancy

■Business funding■Audit and assurance■Insolvency■Bankruptcy and debt


(ICAEW is the Institute of Chartered Accountants in England and Wales. ACCA is the Association of Chartered Certified Accountants. CIMA is the Chartered Institute of Management Accountants. CAI is the Certified Accountants Ireland)

The Mail on Sunday September 27 • 2015

Tax Planning

DO-IT-YOURSELF home projects are meant to save money, but can end up going wrong, requiring emergency remedies from experi-enced tradesmen at extra cost. In personal finance the same goes for DIY accounting and tax planning.

Employees who have income tax deducted at source and have simple tax affairs are likely to find it easy to file their tax return under the self-assessment regime by follow-ing advice online.

But add in investment returns, buy-to-let property income, tax relief on pension contributions, and self-employment, and the challenges increase.

Chris Allen of accountancy firm Complete Accounts, based in Kenil-worth, Warwickshire, says taxpay-ers often have a false sense of security after they fill in self-assess-ment tax returns if they do not hear back about their calculations.

He says: ‘Many people think it’s simple to calculate tax, submit forms and pay tax due.

‘However, Revenue & Customs is understaffed, and staff are over-worked, so it won’t check all the sums. It accepts your calculation.

‘But this doesn’t mean your tax return is accurate, so you can end up paying too little tax – or even too much.

‘When the Revenue finally does come to check, it could be a few years down the line and, if the same error has been repeated each year,

you might have a big bill to pay – plus interest and penalties.’

A professional accountant or tax adviser such as Chris not only pro-vides reassurance that sums are accurate, but can make sure all rel-evant tax breaks are used.

Advisers can also act as a buffer between the taxman and client in the event of a tax investigation or audit, holding an individual’s hand through the process.

An accountant with years of train-

ing and recognised qualifications can take on other crucial roles to help an individual’s financial and business affairs run smoothly.

Small business owners often strug-gle on their own and waste time try-ing to put their financial affairs in order when they would be better off getting out to drive more sales, leav-ing the accounts to a professional.

This was the deciding factor for Paul Crowe, owner of Steve Crowe & Son, one of the last remaining

family butchers in Kenilworth. He signed up Chris’s firm to support his business.

Paul, 41, says: ‘I have three young sons and I want to spend time with them. I’m a butcher by trade, not an accountant, and would rather an expert deal with that side of the business.’

Chris had already helped the firm restructure its ownership, so that Paul could take control from his father Steve, who after more than

three decades as boss of the shop wanted to reduce his involvement in the business.

Paul hired Chris to help slim down the shop’s paperwork.

Paul, whose business recently won a top award for its steak pies, says: ‘Chris has put an app on my iPad that lets me input takings daily. This includes the different categories we have, from raw meat to cooked pies.’

Chris explains: ‘All the categories of product have a different tax treat-ment, which is managed by the till. Paul then puts this data into the app, along with what he has paid to staff and suppliers during the week.’

Paul then emails the file to Chris, who imports it into his accounts software package. Chris says: ‘This also helps me to complete Paul’s VAT return every quarter, as well as his annual accounts.

‘The only other thing he has to do is email me a downloaded copy of his bank statements.’

All this is done for a fixed monthly fee – a cost that is offset against tax on his tax return.

Accountants can provide a myriad of services, from helping devise a business plan to assisting an entre-preneur in deciding whether it is more sensible from a tax point of view to be a sole trader, a limited company or a partnership.

Their financial expertise can be crucial when applying for loans or answering queries from the bank.

Chris says: ‘Many business own-ers find it hard to let outsiders in, but I find once they do, they feel liberated and it gives them the opportunity to get on with what they are good at – running their businesses.’

Don’t let your tax form become a DIY disaster

� tHE FInancIal proFEssIonals

Pic

ture

: DA

VE E

VITT

S

By Sally Hamilton

KINDEST CUT: Butcher Paul Crowe has been given an app by accountant Chris Allen that will do his VAT return for him