To find out more about the teams that support our consultants and wealth management proposition click here.

Click on the profiles below to find out more.

A qualified Chartered Accountant, Andy spent two years with KPMG before helping to build a large regional accountancy firm in his role as Partner.  Andy joined Richard in 2002 and has been instrumental in building Cullen Wealth to be one of the largest and most successful independently owned advisory firms in the country.

An outdoor enthusiast Andy can often be found walking in the Lake district with his dalmatian Dylan, or cycling the roads of the Peak District. Apart from sport Andy spends much of his time playing the saxophone, either with his Big Band or in his quartet.

Brian joined Cullen Wealth in 2009 and has worked in financial services since 1982. As a qualified Chartered Financial Planner, he specialises in retirement and wealth planning, looking after small business owners and people planning for – and in – retirement.

His interests include keeping fit, watching sports, playing golf and holidays.

Brian has been advising our family for several years. His technical knowledge is very good, and his approach is rare among financial advisors, in that he really focuses on our personal lifestyle and needs, then tailors our investments to meet those needs, and discusses the risks of the various options available. He does not 'take control' of our assets with the sole objective of increasing them. We feel they still belong to us and he encourages us to use them in enjoying our retirement to the full. We work together. It works very well.   
Mr and Mrs W Poynton

Chris joined Cullen Wealth in 2008 and has worked in financial services since 2004. As a Chartered Financial Planner, he specialises in high-value pension and investment portfolios, looking after a wide variety of working professionals.

Chris is married, has a young son, and lives in Cheshire. He’s a keen runner, cyclist and loyal Bolton Wanderers fan – although he often wonders why!

Chris has advised us on a private estate that included PEPs, ISAs, unit trusts, bonds and equity investments, as well as liquid funds, such as cash and building society accounts. He has proved sensitive to our views. We are both in our eighties and more interested in income than capital growth, which would aggravate our inheritance tax position. Our relationship is very good, frank and easy. We consider ourselves lucky to have such an advisor.   
John and Joan Allen

Dave joined Cullen Wealth in October 2013 and has worked in financial services since 1992. With the CII Level 4 Diploma,  Dave specialises in corporate business; personal protection; retirement planning; profit extraction for directors; establishing group pension schemes for employees; and corporate and personal investments.

He is married, has three children and lives in a small village just outside Shrewsbury. Dave participates in various charities, is a keen golfer, and is learning to play the guitar.

I have known Dave for over 21 years. I count him as a true friend and a confidant. Over those years, when the situation required it, he would advise me on any financial problem that arose. Not once did he fail to point me in the most prudent direction. Dave has the qualities and skills to instill confidence, and is a professional, logical thinker. He is a man of integrity, trustworthiness and common sense. I have complete trust in Dave and his abilities to do the best for me.   
T.F. Atherton

David’s financial services career began in 1989. Since 1997, he has worked with some of the largest providers of compliance support. Diploma qualified, David specialises in compliance, risk management and technical support.

He is married, has two daughters and lives in Hazel Grove. In his spare time, David likes watching football, listening to music and playing the occasional round of golf.

David has been a Consultant at Cullen Wealth since 2007. With a degree in Economics and CII Diploma in Financial Services, David specialises in providing pension, investment and protection advice to personal and corporate clients.

David lives in Bowdon, plays five-a-side football, and is a season-ticket holder at Manchester City. At the weekends, he enjoys relaxing with his girlfriend, spending time in the countryside and walking his dog.

David has been my Financial Adviser over the last four years and I have found the experience to be informative and financially rewarding. I have saved a large amount of tax during this time while receiving good investment returns. I feel confident all my financial affairs are arranged to meet our aims and goals in life, and find David to be proactive, thorough and always keeping me up to date with any issues that might affect me.   
Richard Addis

Qualified to diploma level, Emma has worked in financial services since 1999 and is only one exam short of achieving the prestigious Chartered Financial Planner status. As a Senior Consultant, Emma looks after a number of personal clients. In addition, she works with business owners and entrepreneurs, advising them on all aspects of corporate financial planning and employee benefits.

The personal relationships Emma builds with her clients is recognised as a strength by her clients. She will often work with, and be referred to, different generations of families, helping them plan for a secure future, not just for themselves but also for their families future.

Emma is married and kept busy at home by her two young children. When time allows , she enjoys socialising with friends and good company.

Emma has been responsible for the financial planning for both my Father and Sister for a considerable amount of time. They were more than happy to recommend Emma to my husband and me. Emma has completely reviewed our financial planning, consolidated our pensions and advised on all matters from life insurance, inheritance issues and school fees and done so with professionalism and patience, explaining everything in clear and understandable language. I can’t recommend Emma enough.   
Jan Israel

Graham joined Cullen Wealth in 2009 and started practicing as an IFA in 2005. With a university degree and Diploma in Financial Planning, Graham specialises in pensions, retirement planning, savings and investments. Graham is married with a son and lives in Alderley Edge, Cheshire.

As a Sale Sharks supporter, he is a passionate rugby fan and tries to attend as many England internationals as his wife permits.

Several years ago, Graham Morgan became our financial adviser. He has demonstrated sound and conservative financial ability, giving us confidence and reassurance that our financial affairs are being properly looked after.   
Rod and Sue Lewis.

Currently studying towards his diploma in regulated financial planning Harry joined Cullen Wealth in October 2016. Harry started his financial career in the banking industry in 2014. Harry currently works supporting Peter and Patrick as part of our desk based team.

Harry lives locally in Stockport with his Wife Vikie and will be joined by his first child in January 2018. Keeping active he can usually be found in the gym or attempting DIY projects around the house. Harry is also a keen volunteer and has been serving as a Police Special Constable since January 2015 with Greater Manchester Police.

Iain has been involved in the independent wealth management sector for over 20 years and is highly qualified through both personal experience and by professional examination.

As a Chartered Financial Planner who has worked closely with other professional advisers such as accountants and solicitors throughout his career Iain is ideally placed to help his clients understand their current circumstances, identify financial goals and aspirations for the short, medium and longer term and then develop a holistic financial plan aimed at achieving them.

John joined Cullen Wealth in November 2008 and has been a client-facing adviser since 1998. With a full Diploma in Financial Planning, John has in-depth knowledge of all areas of financial planning, particularly complex investment portfolios, trusts and inheritance tax, and pre and post-retirement pensions. John is married and has two children.

A keen follower of many sports, John plays tennis and golf. He is also an enthusiastic amateur chef.

We have appreciated the personal contact that John has given us and the continuity of knowing someone is looking after our assets and interests. It has given us the confidence to look to the future knowing our hard-earned money is being invested wisely through John and in our best long-term interests.   
John and Jean Church

Josh has been with Cullen Wealth since 2010 when he started as an apprentice in our accounts department. He specialises in management accounts, budgeting and producing management information. He is AAT Diploma level 4 qualified.

Josh lives locally in Cheadle Heath and in his spare time he likes cooking, running and cycling.

Karen joined Cullen Wealth in 2007, having qualified as a Chartered Accountant in 1984 and gained an MBA in 2003. She currently sits on the Board of Cullen Wealth. Karen views good governance an important part of her role, therefore having completed the Certificate in DC Governance qualification is a useful step in enhancing her knowledge. A key part of Karen’s role involves ensuring we provide our corporate clients with a first-class service. Karen also has extensive experience of setting up and managing auto enrolment schemes for owner managed businesses.

Karen lives in South Manchester and has three grown-up children. She runs her local Rainbow Group and is a season ticket holder at Old Trafford and The Royal Exchange Theatre. Karen has also completed a number of long distance charity walks, including the Moonwalk in London and walking 26 miles overnight in aid of breast cancer research.

I’ve worked with Karen for the last two years as she and her team manage all our group pension schemes. Karen will give practical solutions to complex issues, is always on hand to answer any questions and provides excellent advice at all times. I’m not sure we would have survived the auto-enrolment process without her support. Karen maintains a positive and can-do attitude at all times, and I’ve always found her a pleasure work with.   
Lindsey Broadbent, Head of HR, Edward Billington and Son Ltd

Ken joined Cullen Wealth in 2013 as a Senior Consultant and has worked in financial services since 1988.

With a Chartered Institute of Insurers Diploma qualification, Ken supports high-net-worth individuals and commercial clients in all aspects of their finances. He has two daughters and four grandchildren, and enjoys watching sports, playing golf, and spending time with his family.

It has been only a matter of months since Ken and I first met. Ken visited my home and commenced the process. My initial reactions were of comfort; as there was no hard pressure selling, just the ability to give sound financial advice in a bright and easy way so that everyone present could understand. I was immediately at ease in his presence and knew I could do business with him. He is knowledgeable on financial matters, totally reliable and warm in character and an absolute pleasure to do business with.   
Trevor Anderson, Burntwood

Lewis Smith joined Cullen Wealth in 2007 and has worked in financial services since 1995. With a Diploma in Financial Planning, Lewis specialises in investment advice and pension planning for and at retirement.

Lewis Smith has looked after my pension arrangements for a number of years.
I have been impressed with his level of knowledge and attention to detail, not just with regards to the pension scheme but in a number of other areas. His prompt reply to queries and the fact that he sees me for a full review every 12 months is extremely reassuring and an illustration of his customer-focused approach.   
David Rix, Managing Director, Luxfer Magnesium Elektron

Matt joined Cullen Wealth in 2016. He has worked in financial services since 2002 and is qualified with a Diploma in Financial Planning.

Within his role, Matt understands the importance of good, solid retirement planning and works closely with his clients to help them visualise what retirement will look like.

Matt lives in Flixton with his wife and two sons. Enjoys spending time as a family, whether day trips out or nice meals together. A keen chef, always looking to develop his culinary skills on family and friends. He likes to get out on this bike whenever possible. When Matt occasionally manages to regain control of the family TV remote, he likes to watch football. He is an avid Manchester United fan and will get to as many games as commitments allow.

Having worked on both product provider and the advice side of the industry, Matt has many years' valuable experience which he puts into practice here at Cullen Wealth. Working closely with our corporate pensions side of the business and specialising in pensions, investments and protection, Matt is passionate about making sure financial needs and aspirations are taken care of.   

Patrick joined Cullen Wealth in 2014 and has worked in financial services since 1999, building a wealth of experience across all areas of financial planning. With a degree in History and CII Diploma in Financial Services, Patrick specialises in providing retirement planning, investment and protection advice to personal clients.

Married with two young boys, Patrick lives near Manchester. In his spare time he plays squash, enjoys reading, the theatre and tries to get to as many games of rugby league as his wife will allow.

Patrick is an absolute pleasure to work with. He takes the time to listen and understand what our financial needs are, giving us the confidence and reassurance that our financial affairs are
being properly looked after.   
Julie and Michael Taylor

Paul joined Cullen Wealth as a Director in 2017. He has over 25 years’ experience in Financial Services, having held senior positions in corporate and private banking, national IFAs, employee benefit and specialist niche market advisory businesses. He is also a Chartered Financial Planner.

Paul lives in Didsbury with his wife, two teenage daughters and their dog, a very lively flat coat retriever. Outside work Paul is eventually reaping the rewards of a 40 year relationship with Huddersfield Town FC – for one season at least !

Paul joined Cullen Wealth in 2013 and has worked in financial services since 1988. Diploma qualified, Paul advises businesses on protecting financial performance and maximising investment returns. He also advises business owners and senior staff, and works with charities and pension schemes.

Paul is married with two daughters and lives in the village of Comberbach. He is a fan of rugby, football and motorsports; keeps fit; and has recently rediscovered Motocross racing.

We have always found Paul easy to get along with. He has given us sensible advice and this has been delivered at a pace we are comfortable with. Over the years, we have built up a good trusted relationship and see Paul as our go-to person for financial advice.   
Mr Richard Edwards,

Paul joined Cullen Wealth in September 2009 and has worked in financial services since 1998. As a Chartered Financial Planner, Paul specialises in retirement planning, wealth management and inheritance tax planning. Paul has two children and lives in Warrington.

His interests include mountain pursuits, cricket, skiing, golf and holidaying.

Paul has been a financial advisor to my wife and I since 2006. The advice and recommendations given over the years have proven both valuable and rewarding. The period between the scheduled meetings have been to our request and Paul has always been available for the occasional unscheduled meeting. It has been reassuring to know that Paul and his colleagues at Cullen Wealth have continuously monitored the status of our investments; peace of mind in turbulent times.   
Captain & Mrs M.A.Whittle

Paul joined Cullen Wealth in August 2013 and has worked in financial services since 1985. Diploma qualified, Paul specialises in advising high-net-worth individuals and commercial organisations on all aspects of financial planning.

He is married with one daughter and lives in a village in South Cheshire.

Paul’s success comes from his personal pursuit of knowledge in the financial area. In simple terms, he knows what he’s talking about. He never pushes, and can explain his suggested plan in clear detail and act on it immediately. He has many contacts in the financial world and is known by the key operatives and pension companies. He is always efficient, readily available and, most important of all, always returns phone calls. When my wife and I meet Paul, we both feel totally confident in his ability and know he would never let us down.   
David Hodson

Peter has worked in the Financial Services Industry since 1990. He has been providing clients with Independent Financial Advice for nearly 20 years. He joined Cullen Wealth in 2014 to provide our clients with desk based financial advice.

Peter is a keen Liverpool supporter. He enjoys spending time with his family, going to the gym, reading and walking.

Peter has looked after my financial affairs for the last 15 years. Whilst I have never met with Peter, he contacts me every year via email and telephone and we discuss my current situation and any changes that need to made to meet with my financial planning needs. He is a good listener and has always provided us with good quality advice which I am very grateful for. I know I don’t have as much money as some of Peter’s other clients but he has always treated Maureen and me well and with respect. I just hope Peter is still around to advise me when I eventually retire.   
Chris Morgan

Praful joined Cullen Wealth in 2010 and has worked in financial services since 1987. With a Diploma in Regulated Financial Planning and the Pensions G60 qualification, Praful specialises in individual and group pensions and personal financial protection.

Married with a daughter, Praful is a self-taught drummer and enjoys the outdoors, history and travelling. He is also a keen badminton player.

We have benefited greatly from the personal service provided to us by Praful over the last few years. His easy manner, combined with his obvious depth of knowledge, have given us the peace of mind and reassurance that our funds are now more effectively invested.   
David and Hilary Robinson

Previously employed in senior roles at two national advisory firms, Richard established Cullen in 1998, with the aim of building an outstanding advisory practice, focused upon first class advice and service to clients.

Having seen the company grow to be one of the largest advisory firms in the North West, Richard is today Chairman of the company. His principal role is ensuring that Cullen Wealth still stands for the values and delivers to the standards for which it was established.

When family commitments allow he escapes into the hills to pursuit his other passion, cycling.

Robert joined Cullen Wealth in 2005 and has worked in financial services since 2001. As a Chartered Financial Planner with advanced pension and investment planning qualifications, Robert specialises in pre and post-retirement pension and investment planning. He also has extensive experience in corporate pension schemes.

Robert is married with two children and enjoys cycling, running and football.

Robert is professional in his approach and clearly knows his industry. His advice is always considered, with recommendations based on my specific needs and goals. I have every confidence he is looking after my financial future and I’ve been so impressed with Robert, I recommended him to my employers. He now handles the company’s UK pension scheme. I would recommend Robert to anyone.   
Mike Naylor, Business Development Director, Datalex

Stuart joined Cullen Wealth in 2010 and has worked in financial services since 1991. As a Chartered Financial Planner, Stuart specialises in pensions, investments and inheritance tax planning.

He is married with three sons and enjoys squash, outdoor activities and current affairs.

Since I have dealt with Stuart, my pensions and tax advice have been a revelation.
I have never had the quality and clarity so clearly shown and then, more importantly, demonstrated
year on year. I can highly recommend Stuart in the best possible terms. My future financial security is
about as good as it could possibly be!   
Ian Booth, Managing Director, CTL Engineering Company Ltd

Tom joined Cullen Wealth in 2010 and has worked in financial services since 2006. With a Diploma in Financial Planning, Tom specialises in advising his clients on investments, pensions and retirement, and financial protection. He lives in Didsbury, South Manchester, enjoys live music and tries to watch Manchester United whenever he can. Tom is also learning to cook and trying to keep in shape with occasional trips to the gym.

Tom has assisted in assessing the status and financial performance of my portfolio of personal and employer pension plans accumulated throughout my career. The advice received from Cullen Wealth through Tom has been well presented and explained in a relaxed, but professional manner. The information is delivered with a sense of assurance, which inspires confidence to make the necessary investment decisions.   
Ian Wilkinson, Building Services Consulting Limited