Stephen Whamond

Stephen Whamond, FPFS, Chartered Financial Planner

Stephen is the Managing Director of the business, Chartered Financial Planner and a Fellow of the Personal Finance Society. He has considerable experience having worked in the financial services profession for over 25 years. He became a shareholder in Hammond Raggett & Company in 2004 and in 2012 became its majority shareholder. Stephen is responsible for key client relationships and for the overall management and direction of the business. His financial planning experience includes pre and post retirement planning, Investment planning and business financial planning. Stephen is a Pension Transfer Specialist and is able to provide advice in relation to Defined Benefit Pension Schemes.


Malcolm Pritchard

Malcolm Pritchard, BSc, ACII, DipPFS, Financial Planner

Malcolm, is the former principal of Beechwood (Pensions & Investments) Ltd. He built up a very successful practice advising personal and corporate clients in all aspects of financial planning, but with a particular focus on pension and investment planning. The success of his business is a tribute to his hard work and energy and his ability to develop lasting relationship with clients. Malcolm has worked in financial planning for over 15 years and has a career in financial services spanning more than 3 decades.


Howard Goodall

Howard Goodall, DipFA MLIBF, Financial Planner

Howard is the former principal of Rowley Goodall Ltd, and is an extremely professional and experienced Financial Planner. He has worked in financial planning for more than 30 years and has built a small but very loyal client base through the delivery of a highly personalised service. His advice covers investments for private clients, pensions and retirement planning and the needs of corporate clients.


Bernard Raggett

Bernard Raggett, BA(Hons) Law, M. Phil (Econ),

Bernard graduated in Law in Manchester and went on to undertaken research to complete a Master of Philosophy degree in Economics. He is a Fellow of the Chartered Insurance Institute, a Fellow of the Pensions Management Institute, holds the Diploma of the Personal Finance Society and is a Chartered Insurance Practitioner. He was the winner of the prestigious Rutter Gold Medal award from the Chartered Insurance Institute. Still a shareholder in the business, since his retirement has held the position of non-executive director with the Company.

Stella Collinge

Stella Collinge, FPFS, Chartered Financial Planner

Stella is a Chartered Financial Planner and Fellow of the Personal Finance Society who has spent over 25 years working in the financial services profession. Stella works with private clients to help achieve their goals and objectives throughout life and this includes pre and post retirement planning, investment advice, inheritance tax planning and family protection. She also provides financial planning advice to companies covering areas such as Director and employee pension arrangements and business protection. Stella is also a Pension Transfer specialist and is able to provide advice in relation to Defined Benefit pension schemes. Stella is a shareholder in the business.


Richard Leigh

Richard Leigh, APFS, Chartered Financial Planner

Richard is a Diploma qualified Financial Planner who has over 15 years experience working in the financial services profession; he is currently working toward Chartered Status and has been a financial planner with Hammond Raggett & Company since 2012. He is a shareholder in the business. Richard's client work is varied and he predominantly advises individuals on their pension savings, investments and protection needs. He is very experienced in the post retirement planning market and is able to advise on the full range of flexible options. Richard has spent considerable time working with our corporate clients in relation their employee pension arrangements and has built up a level of expertise in dealing with international clients who have set up operations in the UK and need assistance with benefits for their employees.


Charlene Somerset

Charlene Somerset, Operations Manager

Charlene is responsible for the management of our client support functions and a variety of operational aspects of our business both in the Manchester office and in the wider business too. She is also involved in many of the compliance functions of the business and reports directly to Stephen Whamond. She has been with the firm since 2009 and prior to that spent a number of years working for a major UK Life and Pensions provider. Charlene has attained her Certificate In Financial Planning from the Personal Finance Society and has now moved on to study for her Diploma in Regulated Financial Planning.


Julie Lord

Julie Lord, Office Manager (Lymm)

Julie joined our Lymm office when it was first established by Malcolm, over 15 years ago. She has been and continues to be a key member of the team with responsibility for all aspects of client support work and day to day aspects of managing the Lymm office and supporting Malcolm. Julie joined from a management role with a major life office and is very experienced in all aspects of supporting the financial planning process. Julie has completed the Certificate in Financial Planning.


Denise Jessop

Denise Jessop, Senior Client Support (Manchester)

Denise is our longest serving employee and is responsible for a wide variety of duties in support of the Advisory team including client reporting, research and suitability reports; she predominantly supports Richard and Howard. Denise is currently studying for her Diploma in Regulated Financial Planning.


Charlotte Mahon

Charlotte Mahon, Senior Client Support (Manchester)

Charlotte joined us in 2010 and was promoted to Senior Client Support in 2014. She works closely with Stella supporting her in all aspects of her work including client reporting, research and suitability reports. Charlotte’s background is with a major UK Life and Pensions provider and she is currently studying for her Diploma in Regulated Financial Planning.


Alex Benett

Alex Benett , DipPFS, Senior Client Support (Manchester)

Alex joined us in 2017 after working for another large IFA firm in the Manchester area where she gained experience dealing with a variety of investment and pension products. She directly supports Stephen in all aspects of looking after the firms key clients. Alex has recently completed her Diploma in Regulated Financial Planning and is keen to progress with her studies to achieve Chartered Financial Planner status and aims to join our advisory team in due course.


Adam Melia

Adam Melia, Client Support (Manchester)

Adam joined us from a family financial planning practice and is a member of our client support team in Manchester. His duties are wide ranging but ultimately are all about supporting our clients and the advisory team in the Manchester office.


Brian McHenry

Brian McHenry, Client Support (Manchester)

Brian is a graduate of Manchester University where he studied for a degree in Financial Services. He is part way through studying for his diploma in financial planning and his long-term aim is to join the advisory team. Brian works closely with Alex in all aspects of client and advisory team support.


Gareth Edwards

Gareth Edwards, Client Support (Manchester)

Gareth is a member of our client support team in Manchester and joined us in 2018 having previously worked for a major product provider. He is responsible for a wide range of tasks supporting our clients and in particular Stella.


Eva Lloyd

Eva Lloyd, Client Support (Manchester)

Eva is responsible for much of the management accounting and financial reporting aspects of the business as well as dealing with general client support work. She is currently studying for a bookkeeping qualification.