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Chris Speak BA(Hons) APFS
Chartered Financial Planner
The Barn, 47a Town Road, Croston, Leyland,Lancashire
Summary
Client-focused Chartered Financial Planner with over 20 years advice experience.
Passionate about providing holistic planning advice and helping clients reach their financial and lifestyle goals.
Extensive experience developing and implementing strategies tailored to both private and corporate clients.
Overview
31
31
years of professional experience
10
10
years of post-secondary education
Work history
Employed Chartered Financial Planner
True Bearing Chartered Financial Planner
CBTC, Euxton Lane, Euxton, Chorley, Lancashire
03.2021 - 03.2023
- Employed position with True Bearing Chartered Financial Planners following it's sale to Amber River and the sale of my own client bank to True Bearing.
- Working alongside my adviser assistant, paraplanning and compliance team, I provided independent financial advice to both private and corporate clients.
- Conducted in depth reviews of clients' financial circumstances, current position and future aims, with the support of cash flow modelling.
- Fully adhered to FCA regulations, maintaining awareness of changes in legislation and addressing risks of non-compliance.
Independent Financial Adviser
True Bearing Chartered Financial Planners
CBTC, Euxton Lane, Euxton, Chorley, Lancashire
06.2003 - 03.2021
- Founder member, shareholder and self-employed independent financial adviser of True Bearing Chartered Financial Planners.
- Worked as a self-employed adviser under True Bearing from 2003 - 2011.
- Formed my own limited company - "CS Wealth Management Ltd" in 2011, still trading under the umbrella of True Bearing.
- Sold CS Wealth Management Ltd to True Bearing Chartered Financial Planners in March 2021.
- During this time, I was a partner in "Pennine Wealth Solutions". This was an investment offering that became part of the True Bearing Central Investment Proposition.
- Working alongside a highly proficient adviser assistant, paraplanning team and compliance team, I provided independent, holistic financial advice to circa 300 clients over an 18 year period. Following the introduction of RDR and service requirements within the industry, my client bank had reduced to 70 clients by 2021.
- Centric to this was my belief in lifestyle financial planning, supported by cashflow modelling.
- Following the purchase of a client bank in 2011, I became exposed to some highly technical product areas including FURBS, EFURBS, Film Partnerships and other bespoke tax solutions, following legacy advice.
- By using "Prestwood Software" as my cashflow modelling tool since 2011, I developed a highly effective process of presenting and articulating the results of thorough analysis , suggested financial planning strategies, comprehensive recommendations and review schedules to my clients.
Client Account Executive New Entrant Adviser
Inter-Alliance Group PLC
Tuition House, 27-37 St George's Road, London, City of London
06.2002 - 06.2003
- Self-employed Independent Financial Adviser under Inter-Alliance PLC.
- Built up new client bank through friends and family, professional relationships, referrals and business networking.
- Delivered high level of service to clients to maintain relationships for future business opportunities.
Client Account Executive
Inter-Alliance PLC
Tuition House, 27-37 St George's Road, London, City of London
01.2001 - 06.2002
- Conducted research on pensions, investments, protection and mortgage products.
- Supported financial advisers in recommendations and producing client reports.
- Performed administrative tasks such as preparing documentation, dealing with client enquiries and business process.
Director of Player Development
United Soccer Academy
Mount Laurel, New Jersey,, USA
06.1999 - 04.2000
- Responsible for creating and implementing a year round football education program and '5 Star Technical Award Scheme' for over 3,000 youth players in New Jersey.
- Managed 10 coaching staff
- Established the first disabled youth program in the state of New Jersey and gained 'Super Club' accreditation.
Director of Coaching
Tony Williams Soccer Inc
Moorestown, New Jersey, USA
10.1998 - 06.1999
- Actuated and implemented training programs for over 70 travel teams within the South Jersey area.
- Participated in all phases of coaching, training and preparation.
- Worked on a voluntary basis with Burlington County College in a coach and international recruitment capacity.
- Established a training program for staff development and evaluation.
Youth Development Co-ordinator and Coach
Winstanley College
Winstanley Road, Billinge, Wigan, Greater Manchester
09.1996 - 10.1998
- Coached the skills and techniques of football to two classes of children aged between 5 and 9.
- First Team Under 19 College Coach
- Second Team Under 19 College Manager
Semi Professional Football Player
Barrow AFC
Wilkie Road, Barrow-in-Furness, Cumbria
07.1994 - 08.1997
- Three seasons playing in the National League making over 150 appearances for the club.
Professional Footballer
Blackpool FC
Bloomfield Road, Blackpool, Lancashire
06.1992 - 07.1994
- Two seasons playing in Division 3.
Education
Bachelor of Arts - Leisure Studies
University of Central Lancashire
Preston 09.1995 - 05.1998
A-Levels - Mathematics with Statistics, Economics, Physical Education
Winstanley College
Wigan 09.1989 - 06.1992
GCSEs - Mathematics, English, Chemistry, French, Economics, Physics, History
Wellfield High School
Leyland 09.1984 - 07.1989
Skills
- Chartered Financial Planner and Associate member of the Personal Finance Society
- CII Level 6 Advanced Diploma in Financial Planning
Units include:
- Financial Planning Certificates 1,2,3
- Mortgage Advice Qualification (MAQ)
- Savings and Investments (SV1)
- Pensions and Retirement Planning (R04)
- Financial Planning Practice (R06)
- Pension Income Options (J05)
- Discretionary Investment Management (J10)
- Taxation and Trusts (G10)
- Personal Investment Planning (G20)
- Financial Planning Process (AF5)
- Retirement Income Planning (AF8)
- Currently enrolled on the following units as a means of achieving fellowship status:
- Long term care insurance (CF8)
- Equity Release (ER1)
- Senior Management and Supervision (AF6)
- Previous member of SIFA Professional, Business Network International and The Referral Institute
- User of cash flow modelling since 2011
- Completed 'The Game Plan' accreditation and current member of The Academy of Life Planning
- I have gained exposure and advised on highly technical areas of planning inclusive of FURBS, EFURBS, Film Partnerships, VCT, EIS, BPR, and bespoke tax planning solutions
Interests
Completing the Wainrights
Reading (self-development, industry based and biographies
Sport lover and still play cricket and table-tennis at a competitive level
References
Available on request
Fees, Commissions and Incomes
2022
Serviced trail income to December 2022 = £163,308
Total fees, commissions and income to December 2022 = £212,000
Projected 2023 prior to leaving True Bearing in March 2023
Serviced train income to December 2023 = £180,000
Total fees, commissions and income to December 2023 = £240,000
Timeline
Employed Chartered Financial Planner
True Bearing Chartered Financial Planner
03.2021 - 03.2023
Independent Financial Adviser
True Bearing Chartered Financial Planners
06.2003 - 03.2021
Client Account Executive New Entrant Adviser
Inter-Alliance Group PLC
06.2002 - 06.2003
Client Account Executive
Inter-Alliance PLC
01.2001 - 06.2002
Director of Player Development
United Soccer Academy
06.1999 - 04.2000
Director of Coaching
Tony Williams Soccer Inc
10.1998 - 06.1999
Youth Development Co-ordinator and Coach
Winstanley College
09.1996 - 10.1998
Bachelor of Arts - Leisure Studies
University of Central Lancashire
09.1995 - 05.1998
Semi Professional Football Player
Barrow AFC
07.1994 - 08.1997
Professional Footballer
Blackpool FC
06.1992 - 07.1994
A-Levels - Mathematics with Statistics, Economics, Physical Education
Winstanley College
09.1989 - 06.1992
GCSEs - Mathematics, English, Chemistry, French, Economics, Physics, History
Wellfield High School
09.1984 - 07.1989
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