Andrew Gane

Independent Financial Adviser

Andrew has been in the financial services industry for over 30 years addressing the needs of his clients. When asked, his clients have said that he advises in a way which is “easy to understand, jargon free and that he is passionate about the service he provides”.

Obtaining the right independent financial advice is paramount and we have the specialists available to manage your financial needs covering all aspects of Pension, Investment, Mortgage and Protection planning.

The firm fully embraces the latest technology to maximise planning time for advisers and minimise client cost.

For an initial enquiry or a comprehensive financial review please email


There are times when it can prove difficult to establish your true financial wealth, which is why we provide advice in a friendly and clear manner. Pennymatters has been built based on reliability and excellent service.

Retirement Planning

Keeping on track of your retirement plans can seem a daunting subject. Take advantage of our pension review service to gain control and understand your options.


Have you considered the financial consequences of not having adequate protection cover in place? Help make sure your family are financially protected for every eventuality.


Be sure to obtain independent advice when making one of the biggest financial commitments in your life. We have experts to advise you on all types of mortgages.

Estate Planning

Will the tax man benefit more from your death than your loved ones? Succession planning in the event of your death is key to avoiding unnecessary complications.

Corporate Services

Increase the value of your employee benefits package. Contact us to understand the benefits for your employees.


An introductory meeting to fully explain how our service works, identify your primary objectives and to provide an outline of our fees and costs.


Here we start to fully understand your objectives so we can develop well defined goals.

Research & Analysis

We do this by utilising the latest independent research tools.


We will discuss your Personal Finance Plan we’ve developed specifically for you, setting out the recommendations designed to achieve your goals.


Once our advice has been agreed, we will proceed to implement the recommendation.

Ongoing Relationship

We offer an ongoing relationship to ensure your Personal Financial Plan stays on track.

What my clients say about me

Andrew has been our financial advisor for over 15 years, during which time we have been very impressed by his depth of knowledge in relation to market conditions specifically directed to our needs and circumstances.   We have every confidence in his ability to provide us with sound financial guidance and look forward to continuing our joint relationship. 

Mr and Mrs G, Camberley

We have known Andrew for 13 years as our financial advisor. During that time he has given us excellent advice in guiding us towards sound investments according to our changing needs. He has given us clear guidance whilst respecting our needs, views and concerns.

Mr & Mrs P, West Sussex

Four years ago, we consulted Andrew for advice on investments to suit our financial needs.  He dealt with our queries with sensitivity and efficiency.  We have continued to be pleased with his help and advice and are happy to recommend him and his services.

PB, Hampshire

I have been a client of Andrew’s for 19 years through recommendation. I have been very pleased with the financial advice I have received over the years; this has enabled me to build a secure future for myself and my family. I would recommend Andrew without hesitation.

JB, Fleet

I have known Andrew of Pennymatters for over 25-years, since he was first recommended to me as an IFA. Andrew consistently provides professional, well-informed guidance in respect of my financial matters that is always conveyed in a clear, concise and straightforward manner. I have complete confidence in Andrew and have absolutely no hesitation in recommending him to others.

DC, Hampshire

We were introduced to Andrew over 30 years ago, during which time he has given us good solid financial advice. As a result, I would not hesitate in recommending him.

 JL, Fleet 

Andrew, very wisely, talked to us about the future and the option of having control under one Financial organisation.  With his professional advice and guidance, we have benefited much more than before.  It is always good for us to know that we have his support whenever we need it.

 Mr & Mrs R, Havant 

Andrew was recommended to us when we were in our 20s when financial planning wasn’t a priority.  His advice then set us up for a secure future now & in our retirement.   His calm & patient manner of explaining financial options is really appreciated.  In around 30 years working with Andrew the partnership he provided has been greatly valued. We have recommended him to friends & family.

 JA, Camberley

For more information, please contact:

Andrew Gane
T: 01344 577872
M: 07796 268739

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