Andy
Gardner

WHO I HELP

Private individuals. Families. Business owners. Professionals.

HOW I HELP

Retirement planning. Wealth management. Inheritance planning. Business exit planning. Financial coaching.

“FROM UNCERTAINTY TO CLARITY, WITH A PLAN YOU CAN TRUST.”

Andy Gardner is a Financial Planner based in our London Gatwick office, working with individuals and families to navigate key life transitions and make confident financial decisions.

His role involves a blend of client meetings, some with long-standing clients, others with people just beginning their journey, alongside planning work and regular strategy sessions with colleagues. Whether it’s preparing someone for retirement, guiding them through managing an inheritance, or simply helping them feel more in control of their finances, Andy’s focus is always on building a plan that fits both the numbers and the individual’s goals.

A CLIENT FOCUSED APPROACH

“When I first started in financial planning, I thought success was about having the right technical answer. Over time, I’ve learned that real success comes from listening, really listening, to what clients are saying, and sometimes to what they’re not saying.

The emotional side of financial planning is just as important as the technical. People often come to me in moments of change, uncertainty, or even loss. My role is to bring clarity, structure, and reassurance so they can move forward at their own pace.”

BUILDING TRUST THROUGH UNDERSTANDING

“I always begin by asking clients why their goals matter, not just what they want to achieve financially. That’s how trust is built. It’s not about me telling them what they should do but about understanding the bigger picture and working together to find the right path.

For example, a client came to us after a recent bereavement. It was an incredibly sensitive time, and managing their loved one’s estate was both new and daunting for them. I made sure we worked at a pace they were comfortable with, explaining each step clearly and removing as much stress and uncertainty as possible. Over time, that relationship grew into one of mutual trust and confidence, built on empathy and support.”

HELPING CLIENTS VISUALISE THE OPPORTUNITIES

“The most satisfying part of my job is seeing someone shift from feeling worried or overwhelmed to feeling confident and in control. One of my clients was considering early retirement due to a difficult work situation. They weren’t sure it was possible, but together we modelled different scenarios and built a financial plan that gave them the confidence to take the step.

Our role as planners isn’t just about providing numbers, it’s about giving people options, perspective, and the reassurance that they can make decisions in line with their values and priorities.”

A TEAM THAT CARES AS MUCH AS I DO

“There’s a genuine collaborative spirit in our firm. We all care deeply about doing the right thing for clients, and that shared commitment means I can draw on the expertise of colleagues across the business to deliver truly holistic solutions. It’s reassuring to know that whatever a client needs, we have the right people in the room to help.”

FOCUSING ON THE LONG TERM

“One of the biggest challenges in my work is helping clients stay focused on their long-term goals when short-term events, like market volatility or unexpected life changes, try to pull them off track. My approach is to coach them through these moments, keeping the focus on what matters most.

There’s also a misconception that financial advisers are just here to ‘manage money’. Investments are part of the picture, but they’re just one tool. What I really do is help people make life decisions with confidence.”

LOOKING AHEAD

“I’m always exploring ways to make financial planning more engaging and accessible, whether that’s through better visual tools, improved communication, or understanding more about behavioural finance. The more we can help clients see and understand their options clearly, the more confident they’ll be in making the choices that shape their lives.”