The Team

Richard Hayes
Sales & Marketing Director

Richard is our Sales and Marketing Director and also one of our founding directors, alongside Andy, Callum and Dawn. Richard has a career spanning over 30 years’ in financial services, at all levels. In his current role he creates and develops client relationships by attending or arranging seminars and networking events where he presents planning opportunities to individuals, businesses and local professionals. A gregarious character Richard can often be seen cheering on Newbury Blues or Reading FC or sampling the fine ales of our local independent hostelries. Richard is married to Penny and is proud of their three, thriving, grown up offspring. You can contact Richard directly on 01635 896907 or 07875 050209

Rachel Lambden
Estate Planning Consultant
Rachel is an estate planning consultant with three years experience in will writing. She is passionate about helping people ensure their estate is protected in the best way possible for both them and future generations. She won a Venus Award for Thames Valley Business Mother the Year 2018. Rachel lives in Reading with her husband and two teenage children. When she’s not working she enjoys spending time with family, watching football, going to the theatre and travelling. You can contact Rachel by email: or mobile:07590 046558
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Joanne Francis
Estate Planning Consultant

Jo has approximately 3 years experience as a Will writer and has built up reputation of having a professional, patient, calm and knowledgeable approach with her clients.

She is passionate about ensuring the clients have peace of mind that their estates will be distributed according to their wishes and that any family are properly cared for and that as little as possible goes to the Tax man!

Jo has lived in Thatcham, Berkshire for 18 years and has 3 children, two of which are university. In her spare time she enjoys spending quality time with her family and friends. You can contact Jo by email: or by mobile: 07790 041648

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Callum Crofts-Wheal
Operations & Finance Director

Callum is our Operations and Finance Director and is one of our founding directors alongside Andy, Dawn and Richard. Having started his career in Corporate Events, he moved into Advertising in 2010 with a well known agency in London, after a 2 year stint with them; he moved into Financial Services in 2012. Outside of work, Callum can often be found wondering around South West London (The King’s Road to be exact) or having a drink in Soho. He also enjoys spending time with family and friends and is an avid traveller. You can contact Callum directly on 020 3773 6125 or 07493 13377