David, the founder of Wills and Trusts, is a Past President of the Life Insurance Association; a founder member of The Personal Finance Society; the author of “Wealth – How to become seriously Rich on any income” and technical books and articles for the Financial Services sector. He is also an international speaker on technical, legal and practice management issues. David is also one of the UK’s highest qualified Independent Financial Advisers, being one of only 700 holding the Certified Financial Planning licence and holds advanced qualifications in investment planning, pensions, taxation and trusts. He is also a question writer for the Chartered Insurance Institute and an examiner for the Institute of Financial Planning. Wills & Trusts has grown to become one of the UK’s leading practices through use of David’s unique Wealth Management System. David Lives in Leighton Buzzard with his wife Helen, his two daughters Emily and Hope, as well as various dogs and chickens!

Formerly a manager for the Halifax, Phil is the group’s Finance Manager. Phil has responsibilities for all accounting procedures, book keeping and pricing within the group. Phil also liases with the firm's auditors and the Financial Services Authority as he has responsibility for company compliance. Phil lives in Oxford with his wife Carol.. His son, Tom is at university and daughter, Claire works for Oxfordshire County Council.

Dean Hobbs is a Financial Planner with the group having qualified in December 2004. Dean was formerly a Para- Planner for the group and so has extensive knowledge in the area of estate planning as well as general financial planning. Dean also holds the CF6 Mortgage qualification and is studying towards his Advanced Financial Planning Qualification. Dean lives in Aylesbury with his wife Debbie and their two cats Alley & Millie

Paula O’Reilly is the Practice Manager and assistant to David. Paula joined the company in 2003 after gaining experience with various marketing companies. Paula is responsible for the day to day management of the Practice. Paula lives in Aylesbury with her partner Mark and their two cats Harvey and Chloe.

Formerly a Manager with Abbey National, Rachel joined the group in May 2000. After qualifying, Rachel became the group’s Para-planner with responsibilities for research and investigation for David and Dean, as well as maintaining The Advanced Investment Strategy. Rachel holds the CF6 mortgage qualification, having been a mortgage specialist with Abbey National. Rachel Lives in Aylesbury with her husband Richard and two sons Tom and Ben and their dogs Poppy & Alfie.

Alison joined the team in April 2007. She is responsible for research and investigation for David and Dean, as well as providing support for Rachel. Alison lives in Leighton Buzzard with her husband Ben.

Tracey joined the company in March 2010 as our receptionist and quickly progressed her way to day to day management of our client’s portfolios alongside Rachel & Alison. She is responsible for preparing client quarterly reviews and investment management.

Tracey lives in Aylesbury with her husband, Peter and two children, Joe & Ryan

Michelle joined the group in June 2000. She is responsible for the Business Development Network. supporting over 150 financial advisers around the UK, Scotland & Ireland. Michelle is also responsible for organizing the Wills & Trusts seminars and client events. Michelle lives in Bierton with her husband Paul, and her two sons Regan and Lewis and their dog Mason.

Nagore joined the team in November 2006. She is responsible for relationships with insurance companies and investment houses. Nagore is originally from Bilbao, Spain but now lives in Aylesbury with her partner Luke and their cat, Amber.

Caroline joined the company in June 2010. She is responsible for meeting and greeting our clients as well directing calls to the right member of the team. Caroline lives in Wendover with her daughter Emilia.