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About Us
Pennymatters Ltd is directly authorised by the FSA.
The Directors, Keith Penny and Philip Mosedale, have over 45 years experience in the Financial Services arena. Keith as an IFA over the last 23 years and Phil as an IFA for the last 10 years and various account management roles for the previous 12 years.
The Directors, Keith Penny and Philip Mosedale, have over 45 years experience in the Financial Services arena. Keith as an IFA over the last 23 years and Phil as an IFA for the last 10 years and various account management roles for the previous 12 years.
There are now 9 advisers working alongside Keith and Phil, some with specific specialisation in key areas of advice. The current adviser list is detailed below including their range of services and level of experience.
KEITH PENNY
Keith has operated as an adviser within the financial services industry for over 24 years, after graduating with an Accountancy Degree. He has developed an expertise in building long standing relationships with clients advising on a wide range of financial planning areas in both the corporate, high net worth and domestic market. In this time he has built up an accessible network of other financial planning specialists within his practise allowing him to maintain those relationships. He has achieved advanced qualifications in pre-retirement planning.
Keith has been married for 21 years with three children, aged 20, 18 and 8. In his spare time, as well as enjoying his family, he enjoys keeping fit, rowing, playing squash, a bit of golf and during the summer regularly competes in Triathlons. He also follows Leeds United FC. Keith has also run in numerous half marathons and successfully completed the 2005 New York Marathon.
Keith has operated as an adviser within the financial services industry for over 24 years, after graduating with an Accountancy Degree. He has developed an expertise in building long standing relationships with clients advising on a wide range of financial planning areas in both the corporate, high net worth and domestic market. In this time he has built up an accessible network of other financial planning specialists within his practise allowing him to maintain those relationships. He has achieved advanced qualifications in pre-retirement planning.
Keith has been married for 21 years with three children, aged 20, 18 and 8. In his spare time, as well as enjoying his family, he enjoys keeping fit, rowing, playing squash, a bit of golf and during the summer regularly competes in Triathlons. He also follows Leeds United FC. Keith has also run in numerous half marathons and successfully completed the 2005 New York Marathon.
PHILIP MOSEDALE
Phil has worked within Financial Services since school. Now aged 40 he has a wealth of experience within Financial Services initially administration and then onto Account Management and for the last 12 years as an IFA. Phil has a keen interest in the world of Economics and heads up the panel who decide on funds for our Portfolio’s. Phil believes that common sense is the key to future prosperity. ‘The world is changing. Emerging economies rise whilst the West loses ground. There are no past models to help explain our future anymore and traditional investment strategies are, in my opinion flawed. Never has it been more important to make the right investment decisions’.
Phil is engaged to his long term girlfriend and promises to marry eventually. He enjoys all sports where England are involved (although he says he’s getting bored of the soccer team) and, like everyone else, plays golf whenever he can.
Phil has worked within Financial Services since school. Now aged 40 he has a wealth of experience within Financial Services initially administration and then onto Account Management and for the last 12 years as an IFA. Phil has a keen interest in the world of Economics and heads up the panel who decide on funds for our Portfolio’s. Phil believes that common sense is the key to future prosperity. ‘The world is changing. Emerging economies rise whilst the West loses ground. There are no past models to help explain our future anymore and traditional investment strategies are, in my opinion flawed. Never has it been more important to make the right investment decisions’.
Phil is engaged to his long term girlfriend and promises to marry eventually. He enjoys all sports where England are involved (although he says he’s getting bored of the soccer team) and, like everyone else, plays golf whenever he can.
MARTIN O’BRIEN
Martin has been working in Financial Services since leaving school, working for a National Insurance company for 14 years. In 1999 he set up his own business as an IFA. He became a founder member of Pennymatters from inception of the company and is focused on creating and protecting his clients wealth. He advises on all areas of financial planning. Martin’s spare time is taken up with his wife Elaine, 2 children, football coaching and his beloved Queens Park Rangers.
Martin has been working in Financial Services since leaving school, working for a National Insurance company for 14 years. In 1999 he set up his own business as an IFA. He became a founder member of Pennymatters from inception of the company and is focused on creating and protecting his clients wealth. He advises on all areas of financial planning. Martin’s spare time is taken up with his wife Elaine, 2 children, football coaching and his beloved Queens Park Rangers.
JAMES STOREY
James has been working in Financial Services his whole career, starting at a Lloyds TSB when he was 18. In 2001 he became an IFA for a firm in Berkshire where he became fully qualified in all areas and he has had advisory roles since ranging from high end investment advice to advising on the best mortgages. In January 2011 James became a partner in Pennymatters as he felt that the company approached financial advice in a way that was modern and relevant whilst putting clients at the front of the picture. His clients feel that he takes away the jargon that financial advisers use and puts advice in an understandable and transparent way, something Pennymatters are keen on. James can advise in all areas but specialises in Group Personal Pensions for small to medium size companies. James currently lives in Reading with his partner Donna and his 5 cats. He has just started to play golf and currently plays off a handicap of 57!
James has been working in Financial Services his whole career, starting at a Lloyds TSB when he was 18. In 2001 he became an IFA for a firm in Berkshire where he became fully qualified in all areas and he has had advisory roles since ranging from high end investment advice to advising on the best mortgages. In January 2011 James became a partner in Pennymatters as he felt that the company approached financial advice in a way that was modern and relevant whilst putting clients at the front of the picture. His clients feel that he takes away the jargon that financial advisers use and puts advice in an understandable and transparent way, something Pennymatters are keen on. James can advise in all areas but specialises in Group Personal Pensions for small to medium size companies. James currently lives in Reading with his partner Donna and his 5 cats. He has just started to play golf and currently plays off a handicap of 57!
JONATHAN HANBURY
Jonathan Hanbury has seen many changes in the financial services industry, and he is pleased to say most were for the good and the benefit of clients. Jon started his career with the Pearl Assurance company as a young man, but soon saw that industrial assurance, as it was called then, was out dated and change was imminent. Jon joined Abbey Life and spent a happy 25 years there building up a large and happy client bank. With further changes in the industry Jon became an IFA with Park Row and then Positive Solutions. He has joined Pennymatters to enable him to continue to offer clients a better service. Jon enjoys skiing and the theatre with his wife and is considering ‘picking up the sticks’ again with the love of golf apparent at Pennymatters.
Jonathan Hanbury has seen many changes in the financial services industry, and he is pleased to say most were for the good and the benefit of clients. Jon started his career with the Pearl Assurance company as a young man, but soon saw that industrial assurance, as it was called then, was out dated and change was imminent. Jon joined Abbey Life and spent a happy 25 years there building up a large and happy client bank. With further changes in the industry Jon became an IFA with Park Row and then Positive Solutions. He has joined Pennymatters to enable him to continue to offer clients a better service. Jon enjoys skiing and the theatre with his wife and is considering ‘picking up the sticks’ again with the love of golf apparent at Pennymatters.
MIKE ROBERTS
Mike has been working in Financial Services his whole career, starting at a large national bank where he learnt his trade for 13 years. In 2000 he decided that Independent advice was the way forward and he has remained Independent ever since. In 2004 he set up his own business and through hard work and a desire to give good advice his client bank has grown and continues to do so. Mike joined Pennymatters this year as he recognised that we share the same philosophy of putting customers first. Mike advises in all areas, with his speciality Lifetime Mortgages. Mike’s spare time is taken up with his wife Helen, 2 boys and either a golf club, dog lead or football in his hand.
Mike has been working in Financial Services his whole career, starting at a large national bank where he learnt his trade for 13 years. In 2000 he decided that Independent advice was the way forward and he has remained Independent ever since. In 2004 he set up his own business and through hard work and a desire to give good advice his client bank has grown and continues to do so. Mike joined Pennymatters this year as he recognised that we share the same philosophy of putting customers first. Mike advises in all areas, with his speciality Lifetime Mortgages. Mike’s spare time is taken up with his wife Helen, 2 boys and either a golf club, dog lead or football in his hand.
MATTHEW RICKETT
Matthew has been working in Financial Services for over 20 years and has been specialising in mortgages for the last 7 years. Matthew covers all types of lending from Residential, Buy to Let, Commercial, Secured Loans and Bridging Finance. He also has experience with affordable housing schemes including Shared Ownership and Shared Equity. Alongside mortgage planning Matthew advises on protection including Life Assurance, Critical Illness, Income Protection and Buildings and Contents Insurance. Matthew is known for his attention to detail and takes great pride in providing honest independent advice. Matthew is married with 2 children and after recently introducing his son to golf is now managing to get back out on the golf course again!
Matthew has been working in Financial Services for over 20 years and has been specialising in mortgages for the last 7 years. Matthew covers all types of lending from Residential, Buy to Let, Commercial, Secured Loans and Bridging Finance. He also has experience with affordable housing schemes including Shared Ownership and Shared Equity. Alongside mortgage planning Matthew advises on protection including Life Assurance, Critical Illness, Income Protection and Buildings and Contents Insurance. Matthew is known for his attention to detail and takes great pride in providing honest independent advice. Matthew is married with 2 children and after recently introducing his son to golf is now managing to get back out on the golf course again!
ANDREW GANE
Andrew has over 24 years of experience in providing clients with bespoke, independent financial advice. He believes that his success is because he has been able to give highly individual advice that is entirely focused on the client’s specific situation and needs. His clients expect objective, professional and efficient service that is delivered with a personal touch. He considers that the key is in creating a trusting relationship with clients so that he can provide financial advice that is altogether individual. Andrew has recently joined Pennymatters Ltd because they mirror his own client focused view. Andrew enjoys spending time with his new grandchild and whenever he can likes to play golf.
Andrew has over 24 years of experience in providing clients with bespoke, independent financial advice. He believes that his success is because he has been able to give highly individual advice that is entirely focused on the client’s specific situation and needs. His clients expect objective, professional and efficient service that is delivered with a personal touch. He considers that the key is in creating a trusting relationship with clients so that he can provide financial advice that is altogether individual. Andrew has recently joined Pennymatters Ltd because they mirror his own client focused view. Andrew enjoys spending time with his new grandchild and whenever he can likes to play golf.
DERMOT HANLEY
Dermot recently completed a decade of working in Financial Services. He specialised in mortgages and protection for that time with a particular emphasis on Buy to Let finance. He believes that delivering quality client service is the key to a long lasting business relationship. To that end he is qualified to offer advice on, and take instructions for, wills. Having helped the client to build up his wealth, he can incorporate trusts into the will to ensure a client's assets are protected into the future. Married with four sons, the youngest of which being under one, means that Dermot finds much of his spare time devoted to child care.
Dermot recently completed a decade of working in Financial Services. He specialised in mortgages and protection for that time with a particular emphasis on Buy to Let finance. He believes that delivering quality client service is the key to a long lasting business relationship. To that end he is qualified to offer advice on, and take instructions for, wills. Having helped the client to build up his wealth, he can incorporate trusts into the will to ensure a client's assets are protected into the future. Married with four sons, the youngest of which being under one, means that Dermot finds much of his spare time devoted to child care.
ANDY MIHELL
Andy has been working in Financial Services for over 20 years starting with Prudential in 1988. He became a Financial Adviser in 1997 and Independent in 2000. He offers advice in all aspects of financial planning from pensions and investments to mortgages and insurance protection. Andy has been married to Kate since 1996 and has 2 young sons. He is interested in most sports particularly boxing and football. Most of his spare time is spent ferrying his kids to their various sporting activities!
Andy has been working in Financial Services for over 20 years starting with Prudential in 1988. He became a Financial Adviser in 1997 and Independent in 2000. He offers advice in all aspects of financial planning from pensions and investments to mortgages and insurance protection. Andy has been married to Kate since 1996 and has 2 young sons. He is interested in most sports particularly boxing and football. Most of his spare time is spent ferrying his kids to their various sporting activities!
KATE MIHELL
Kate has been working in financial services for 7 years, initially providing support and guidance to a team of Independent Financial Advisers before moving into the role of Independent Mortgage Adviser. She specialises in mortgage planning and provides advice for all types of mortgages and related protection. She works closely with local Estate Agents to help their clients with their mortgage needs. Kate works hard to provide a high, quality service to her clients and offers simple, honest independent advice. Kate has a busy home life being married with two boys.
Kate has been working in financial services for 7 years, initially providing support and guidance to a team of Independent Financial Advisers before moving into the role of Independent Mortgage Adviser. She specialises in mortgage planning and provides advice for all types of mortgages and related protection. She works closely with local Estate Agents to help their clients with their mortgage needs. Kate works hard to provide a high, quality service to her clients and offers simple, honest independent advice. Kate has a busy home life being married with two boys.