Michael Phillips

The reason I do this job is because I care, and I want to help people achieve their financial freedom and give them peace of mind. I enjoy meeting new people and getting to know my clients, after all we each have our own personal goals in life. I have always had a focus on Retirement Planning, both pre- and post-retirement, and Investment Planning (including taxation & trusts*). I have a passion for helping clients plan for all eventualities and have used Cash Flow Planning to help with that since 2008, even helping my own parents with their retirement a decade ago. Cash Flow planning helps you understand what can be achieved with current finances, and how to resolve any gaps. I joined HJP in 2017 but began my financial services career in 1997 working for Sun Life. I started in Guildford as a Broker Consultant to the Financial Adviser sector. I then moved to London and worked from home from the day of my wedding in 2008 until my move to HJP in 2017. I spent 20 years providing product and technical assistance to Financial Advisers in and around Surrey, Sussex, Kent and Central London. I remained at Sun Life through various company transitions including becoming a part of part of the Elevate platform in 2010. I became a member of the Personal Finance Society and Chartered Insurance Institute in 2012 and more recently in 2021, worked incredibly hard to get to Chartered Financial Planner status and shortly afterwards became a Fellow of the Chartered Insurance Institute. I think I am done with exams now! Outside of HJP, I live in Chaldon with my wife and 2 children. I love the fresh air and outdoor life. When I am not at work, you’ll find me cycling or walking through the Surrey Hills, enjoying (watching and occasionally participating in) Motor Sport and making the most of time in the garden. Away from Family life my other passion is anything to do with cars! I spend the occasional Sunday at Brands Hatch, specifically to watch the touring cars. I also love the Goodwood Festival of Speed and head down every year casting an admiring glance at all the new cars on display – one day!!. As a petrol head, it feels odd to say that I have made the move to electric. Range anxiety has surpassed, at last!! HJP Chartered Financial Planners is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The title 'Partner Practice' is a marketing term used to describe St. James's Place representatives. HJP Chartered Financial Planners is a trading name of HJP Wealth Management Ltd. *Trusts are not regulated by the Financial Conduct Authority. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. Auto-Enrolment products are not regulated by the Financial Conduct Authority. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 16/07/2024