Tel: 0161 303 9977
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ARK Independent Financial Advisers are an expert team of financial planners based in the beautiful village of Delph, which is one of the Saddleworth villages just outside Oldham.

Established in 2003, ARK are run by a team who collectively have over 75 years of experience within the financial services industry. The principals Messrs Perry & Stevenson both having over 30 years experience.

With this experience of helping clients to manage their wealth, ARK excel in providing full wealth management solutions to individuals and businesses.

From early meetings where we’ll discuss your current situation and your future plans, to monitoring your investments on an ongoing basis, we pride ourselves in providing the kind of personal one-to-one service you only get from a small local team of experts.

To find out more about how we manage our client’s money read more about what we do here, or read one of our case studies here.

Phil Stevenson
Director,
Chartered Financial Planner

 

Following a successful career with Prudential, spanning nearly 20 years, in a variety of financial advisor roles, Phil left the company in 2001 and in 2003 joined forces with Phil Perry, as a co-founder and co-director of ARK Financial Planning.

Phil is one of a very small number of financial advisers in the country who has achieved both Chartered and Certified Financial Planner status. As part of his qualifications Phil has to demonstrate higher levels of professionalism; exhibited through ethical and behavioural standards, skill and technical knowledge to the ultimate benefit of the profession and the consumer alike.

Phil is a regular contributor to the industry press and for over 5 years wrote a personal finance column for a local newspaper. Recently (2016) Phil featured in a Panorama programme helping to save and protect a vulnerable ladies’ pension from disappearing into a wholly inappropriate investment vehicle.

Phil advises clients on the full range of wealth management issues.

Away from work Phil is married to Louise and has 3 daughters (one of whom has joined the business). He is a long suffering Oldham Athletic season ticket holder, plays golf to a handicap of 7 and regularly plays 7 a side football.

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Phil Perry
Director & Financial Planner

Phil’s vast knowledge of all levels of the financial services industry was acquired working for a national insurer, a major bank and a building society and for the last 17 years as an independent financial adviser.

Now with over 30 years experience of advising clients under his belt, Phil joined with Phil Stevenson to establish ARK in 2003. Phil maintains his professional standards by keeping his knowledge up to date and adhering to a strict standard of ethical behaviour.

Phil advises clients on all aspects of wealth management within his role with the firm, but also carries specific qualifications in his specialist areas of long term care and equity release.

Away from work Phil and his wife Caroline have their hands full with their children Jacob & Martha. Most Saturdays he can be found supporting Jacob who plays for a local football team.

Sarah Sheppard
Trainee Financial Adviser

Sarah joined ARK in February 2017, bringing with her a wealth of experience gained in both the private and charity sectors. Attention to detail and excellent client support are some of her key skills utilized in this role, while her long term ambitions are to learn more about the industry and gain relevant qualifications to become a financial adviser.

Sarah spends her free time with Ian, her husband, and two young daughters, Katie and Lauren, indulging in the local sport and brass band scene.

Rebecca Stevenson
Trainee Financial Adviser

Rebecca joined ARK in the summer of 2016 as a trainee financial adviser after graduating from Leeds Beckett university with a 2:1 degree ( Psychology and Criminology.) Rebecca will principally be responsible for integrating our back office systems and implementing new software into our standard working procedures. She will also be looking to understand all aspects of the business whilst at the same time studying for her professional qualifications.

Rebecca is looking towards developing a career as a financial adviser and will be accompanying the advisers as she looks to understand all aspects of the business.

Rebecca and her partner Brad share responsibility for Oscar (a Malshi dog).

Debbie Parsons
Administrative Assistant

Debbie joined ARK in October 2018 having spent all her working life in a regulated industry, predominantly in insurance but more recently in banking.

She has two grown up children, Vicky and Robert, and is married to Guy.

Debbie loves sports and is an avid Manchester City supporter who loves to see the boys play at home games. She is also a fan and follower of cricket and the proud owner of her Staffordshire Bull Terrier dog ‘Blue’.

ARK

The ARK Team: Debbie Parsons, Sarah Sheppard, Phil Stevenson, Phil Perry, Rebecca Stevenson

What
we do

Financial planning is about providing certainty in an uncertain world. We help to build a financial plan that gives you clear direction and provides for your future financial security.

We work with clients across a broad range of backgrounds, often with the common aim of securing financial peace of mind, answering the questions to which you want answers.

Underpinning our approach to securing your financial future are regular reviews of your financial plan. By doing this and establishing a plan that is regularly tested, we help mitigate the risk of not achieving your desired goals thereby providing you with financial peace of mind.

Testing your financial outcomes and providing answers, whatever the future may hold.

Our
Process

Partnership that provides ongoing support and advice, providing you with financial peace of mind over the long term.

Planning be that for retirement, accumulating wealth or making the most of your existing capital, we work alongside you to ensure your finances are aligned to your financial and lifestyle goals.

Listening and understanding to you and your future plans, working alongside you and helping you to make the right decisions at the right time.

Building a trusted relationship means what we really deliver is peace of mind, ensuring your finances are managed in a way that is right for you, so that you can get on with enjoying life.

Understanding your goals. A financial plan isn’t just about your investments or pensions, it’s about your lifestyle, what you want to achieve with your life, both now and in the future.

Agreeing with you a strategy ensures all your investments are aligned to your financial plan. What’s important is that the financial plan comes first - once this has been agreed, we will then advise on the products and investments required to support the plan.

Monitoring your financial plan and the investments and products within it by using market-leading risk management tools, we look at your overall investment strategy regularly. If changes are required then we’re proactive in suggesting these as and when necessary.

Single
point of
contact
to your adviser, we make sure that you always have the advice you need at the ready. Call or email us whenever you need to talk something through and we will catch up face-to-face at least once a year; although it’s likely in the early stages that we will need to meet more frequently.

Who we
work with

ARK work with individuals who feel they would benefit from some formal independent financial advice. We at ARK believe it is our role to help clients achieve their short medium and long term goals, we do this through an informed investment philosophy and robust investment process.

We are successful in helping clients who want to make sense of their financial wellbeing be that for retirement, accumulating wealth or making the most of existing capital.  At ARK we work in partnership with our clients to make sure their finances are aligned to their financial and lifestyle goals.

To read more about the type of typical client we work with, click on one of the case studies below;

Case
Studies

The Retired
Couple (SKI’ers)

Thomas and Susan, had both retired and accumulated some savings and investments throughout their life. Susan had also been the recipient of an inheritance. This left them in a comfortable position financially being asset rich.  However this had created a number of issues. How much would they be able to spend of their inheritance without affecting their future lifestyle? Could they pass some on to their son and daughter?  What about gifting some to their grandchildren? Would their estate be subject to inheritance tax ?

Both Thomas and Susan realised that the disposal of their wealth would present them with as many issues as the accumulation had. Working with ARK has given them the peace of mind to know that they have a trusted adviser helping them to address these issues.

Case
Studies

Making Sense
of it all

George had previously dealt with an IFA but never felt he had a relationship with him.  Over time he had accumulated a whole host of investments with a variety of different firms, creating a huge backlog of paperwork that was increasingly difficult to understand. Every time he saw his financial adviser he felt he would end up with something new. George never felt comfortable that his financial adviser understood his needs, everything seemed to be a ‘bolt on’ solution.

George met with an adviser from ARK who focused on his needs and wants for his financial future going forward, they worked together in creating a simplified strategy. The adviser was able to simplify George’s arrangements into one place that was easy to understand and manage going forward. George now has a relationship with a financial adviser and through regular, scheduled meetings is able to understand and see a way forward for his investment strategy.

Case
Studies

The Retiree

Tom was approaching retirement and had accumulated a number of pensions throughout his working life. Some were company schemes from previous employers , some private schemes . Tom was referred to ARK by an existing client. ARK were able to advise Tom on the best course of action with regard to all his pensions. At ARK we advised Tom that one of his existing private pension schemes had a valuable guaranteed annuity rate that meant it was in Tom’s best interests to keep.

For his other pensions we were able to consolidate these and provide a better pension income than Tom was being offered by his existing pension companies. Because Tom had minor health issues and was a smoker we were able to obtain an enhanced annuity rate for him that increased his retirement income by over 25%. An increase that meant he would receive tens of thousands of pounds of additional income throughout his life.

Case
Studies

The Wealth
Accumulators
Retirees

Andrew and Jacqueline, both in their 50s and both having worked hard to develop their careers had seen their children fly the nest. They had enjoyed a nice lifestyle but realised that retirement and sustaining that lifestyle was likely to be a growing concern. Having dealt with a number of financial advisers in the past they never seemed to develop a working relationship with one. After hearing about ARK from friends they got in touch. We at ARK managed to review their existing provision, provide them with a clear path forward with agreed actions and timescales within a risk profile ideally suited to their requirements to enable them to successfully plan for their retirement.

Alan & Jacqueline know that their retirement planning is in safe hands and they are working with a trusted partner to help them along the way.

Contact

ARK Financial Planning Limited
Independent Financial Advisers
Unit 12, Gatehead Business Park,
Delph New Road,
Delph,
Oldham, OL3 5DE

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Tel: 0161 303 9977
Fax: 0161 303 8499

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