Phil is a Chartered Financial Planner and a Fellow of the Personal Finance Society. He advises a broad range of clients including professionals, business owners and high net worth individuals. During a ten-year stint at Dewhurst Torevell he became a director of the firm, leaving in 2016 in order to co-found Five Wealth. With a BA (Hons) in Economic and Social History, Phil spent eight years at Norwich Union, beginning as a Graduate Trainee and later becoming an IFA Consultant. He followed this with nearly three years at Standard Life as an IFA Consultant. His career began in a completely different field, however – in the RAF, working for four years as part of its Mountain Rescue Service. Phil is married to Kerry with one daughter, Hannah. In his spare time he is a keen cyclist, occasionally tries to ski, and is sometimes still spotted halfway up a mountain.