Desmond Fox
Basingstoke
Summary
Independent Financial Advisor, with 20 years of experience in dealing with NHS Pensions, and is happy to share knowledge. An Energetic employee who seeks solutions to problems and applies extensive analytical knowledge to findings. Takes on challenging new role harnessing interpersonal skills, collaboration and problem-solving and is driven to deliver high-quality service and consistent results.
Overview
24
24
years of professional experience
4
4
years of post-secondary education
Work history
Independent Financial Advisor
Lionmede Wealth Management
07.2022 - Current
- Lead Independent Financial Advisor who manages client bank of c.100 clients, with more than c.£26m of funds under management. With around 90% of clients being Dentists (both with and without NHS Contracts) and Hospital Consultants.
- Provided help and support to clients around complex NHS Pension Scheme rules, Annual Allowance, Lifetime Allowance and whatNew Finance bill means.
- Created bespoke NHS Pension assessment reports for client, which included checking of NHS Pension data for errors made by clients payroll team or the NHS Pension Scheme.
- Developed cash flow strategies based on timely analyses and tax-efficient focus.
- Maintained up-to-date knowledge of legislation and policy changes.
- Coached and trained consumers and internal stakeholders on financial topics.
- Completed regular and ongoing reviews of client portfolios and created targeted, success-orientated advice.
- Reviewed investment wrappers for suitability and optimised strategies.
- Offered clients bespoke services in finance management and accounting.
- Assisted clients with planning for and funding retirements using various types of investments.
- Stayed current on processes and procedures to offer relevant assistance.
- Counselled clients on financial matters and provided recommendations on investment opportunities, products and services based on client needs and asset availability.
- Assessed clients' financial requirements to devise bespoke investment plans.
Assistant Financial Planner
Medical Family Finance Limited
London
03.2018 - 06.2022
- Assistant Financial Planner, assisting Financial Planners in the delivery of overall Financial Planning, client preparation work and providing training for junior staff
- Acting as the NHS Pensions technical specialist for the firm and supporting Financial Planners through in-depth knowledge and understanding of Annual Allowance, Lifetime Allowance as well as the scheme rules and regulations.
- Produced bespoke pension reports for Advisors to present to clients
Deputy Pensions Manager
Kings College London University
09.2017 - 02.2018
- Responsible for providing professional knowledge and interpretations of rules and regulations and ensuring that the College was meeting all its statutory requirements while assisting the Pensions manager in the day to day running of the department and managing the two pension officers.
Pensions and Expenses Manager
Moorfields Eye Hospital
02.2008 - 08.2017
- Responsible for providing professional knowledge and interpretations of the rules and regulations of the NHS Pension scheme to members, the Pensions team, and Managers to assist with retirements, recruitment, and contingency planning
- Interim management of Payroll and Pension team ( 3 staff) during payroll software upgrade.
- Along with managing the accounts payable (5 staff) and cashier team (5 staff) for the hospital.
- Looked after a payroll or around 2500 employees
Finance and Pensions Officer
Waltham Forest PCT
12.2004 - 02.2008
- Operational duties included providing Ophthalmic, Dental payments to Opticians and Dental Practices Operational processing of salary, GP's pensions and pension records and reconciliation of profit and loss account against pension contributions for GP partners
- Maintenance of pension records including reconciliation of end of year pension accounts and aligning contributions with profit and loss accounts for GP practices with differences of up to 100K
Supplier Accounts Assistant
Homebase
09.2004 - 11.2004
- Processing of invoices and matching of orders against purchase orders in preparation of partial payments for orders received by the warehouse
- Daily duties included the dispatching of daily returns paperwork to supplies and generating spreadsheets of problem accounts.
Buyer/Consumables Administrative Assistant
Eclipse (Trade works 24)
08.2003 - 08.2004
Assistant Admin Manager
HI-Fi Corporation
01.2001 - 07.2003
Sales/Department Head
HI-Fi Corporation
01.2001 - 07.2003
Cashier/Night shift supervisor
Linton Grange Service Station (Engen)
01.2000 - 01.2001
Education
Diploma In Regulated Financial Planning (DipPFS), Level 4 -
CII - Chartered Insurance Institute
London03.2021
Retirement Provision Certification -
Pensions Management Institute
High School Diploma -
Commercial High School
Port Elizabeth, South Africa 01.1995 - 04.1999
P11 D Expenses and Benefits Course - undefined
Advanced PowerPoint - undefined
MS Visio - undefined
NHS Management Development program Band 7 and 8A - undefined
Managing conflict Course - undefined
Solving problems and Decision Making - undefined
Clarity in writing - undefined
Business case writing - undefined
Auto Enrolment - undefined
In house Excel Course – tailored - undefined
Skills
- Wealth management
- Developing financial plans
- Payroll administration
- ex-member of NHS Pensions Technical Advisory Group
- Understanding tax law
- Planning for retirement
- Customer-focused
- Problem-solving
- PowerPoint
- Office 365
- Multiple investment platforms, Fidelity, Parmenion, Novia, Nucleus, Quilter, Prudential
Custom
Full UK drivers licence, References available on request
Languages
English
Native
Afrikaans
Beginner
Timeline
Independent Financial Advisor
Lionmede Wealth Management
07.2022 - Current
Assistant Financial Planner
Medical Family Finance Limited
03.2018 - 06.2022
Deputy Pensions Manager
Kings College London University
09.2017 - 02.2018
Pensions and Expenses Manager
Moorfields Eye Hospital
02.2008 - 08.2017
Finance and Pensions Officer
Waltham Forest PCT
12.2004 - 02.2008
Supplier Accounts Assistant
Homebase
09.2004 - 11.2004
Buyer/Consumables Administrative Assistant
Eclipse (Trade works 24)
08.2003 - 08.2004
Assistant Admin Manager
HI-Fi Corporation
01.2001 - 07.2003
Sales/Department Head
HI-Fi Corporation
01.2001 - 07.2003
Cashier/Night shift supervisor
Linton Grange Service Station (Engen)
01.2000 - 01.2001
High School Diploma -
Commercial High School
01.1995 - 04.1999
Diploma In Regulated Financial Planning (DipPFS), Level 4 -
CII - Chartered Insurance Institute
Retirement Provision Certification -
Pensions Management Institute
P11 D Expenses and Benefits Course - undefined
Advanced PowerPoint - undefined
MS Visio - undefined
NHS Management Development program Band 7 and 8A - undefined
Managing conflict Course - undefined
Solving problems and Decision Making - undefined
Clarity in writing - undefined
Business case writing - undefined
Auto Enrolment - undefined
In house Excel Course – tailored - undefined
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