Ramon is the principal adviser at Advice on Wealth Ltd. He has been a financial adviser for over 35 years and won many awards along the way recognising his achievements. He has a vast knowledge of a diverse range of financial products from investments/pensions to mortgages/protection and can quickly identify those solutions that best suit your individual needs.

Andrew is the Commercial Director of Advice on Wealth Ltd, leading the company’s growth through the acquisition and integration of financial advice businesses, with a strong focus on putting people at the heart of every acquisition. He works closely with advisers, teams and clients to ensure each transition is handled with care, cultural alignment and a continued commitment to high-quality advice and client outcomes.

With 35 years’ experience across financial services, senior leadership, recruitment and advisory sectors, Andrew supports sustainable growth that strengthens Advice on Wealth Ltd while protecting the service, relationships and outcomes that matter most to clients.

Nathan joined Advice on Wealth Ltd in October 2022 as a financial adviser. Having several years experience in the industry, Nathan is fully qualified to give advice in many aspects of financial planning, including planning for retirement, investments, buying homes or investment properties and protection. Nathan prides himself on meeting with clients to assess their situation to help meet their individual needs.

Gary is an experienced Financial Adviser with nearly two decades in financial services, supporting clients with clear, practical advice across pensions, investments, protection, mortgages and later‑life planning.
He has built his career around helping people make confident financial decisions, particularly at key life stages such as retirement. Gary has extensive experience in equity release and later‑life advice and is known for his calm, thorough approach, ensuring clients fully understand their options and feel supported throughout the process.

Gary takes pride in delivering advice that is tailored, ethical and easy to understand. He believes good financial planning is about listening first, understanding what matters most to the client, and then building a plan that provides clarity, reassurance and long‑term security.

He holds a wide range of professional qualifications, including DipFA, CeMAP, CeFA and specialist later‑life and equity release certifications, reflecting his commitment to maintaining high professional standards and ongoing development.

Lorna has over 22 years experience within the finance industry with 20 of these years at Advice on Wealth Ltd. Working hard behind the scenes, Lorna will always go that extra mile, giving you peace of mind that things will run efficiently and promptly.

Lorna has spent time building her technical knowledge through CII exams to ensure that the back office is supportive and efficient in the processing of business. She has achieved CII Level 4 Diploma in Regulated Financial Advice (DipPFS) and CII Certificate in Mortgage Advice (Cert CII (MP).

Ali joined us in June 2014 with over 35 years of experience within the financial services sector. Her methodical approach and experience has equipped her well to offer our valued clients the best possible administrative support and service.

Ali provides expert support on mortgage processing, taking applications right through to completion whether clients are buying their first home, moving house, a buy to let or remortgaging their current home.

Antonia joined us in September 2022, having graduated with a Bachelor’s in Economics at the University of Reading. Antonia supports the financial advisors by compiling detailed client reports, liaising with providers, and ensuring the best possible client experience.

She is actively developing her financial services technical knowledge and with the intention of achieving her CII Level 4 Diploma in Regulated Financial Advice, by the end of 2026.

Adam joined us at the start of 2025 and has a comprehensive skill set in financial services. With a strong emphasis on customer satisfaction and attention to detail, Adam has previous experience in various roles within the financial services industry. Adam will be working within our team, assisting with research and analysis of financial products to meet our clients requirements to support adviser recommendations.

He plans to build his technical knowledge and complete his Level 4 Diploma in Regulated Financial planning in the future.

John started with us in August 2025 as a Trainee Paraplanner. He is a 2025 Economics graduate from Cardiff Metropolitan University, where he developed strong analytical and financial skills through modules such as Advanced Game Theory, Econometrics, and Economic Tools for Government. Alongside his studies, he’s gained valuable experience in customer-facing roles, demonstrating excellent communication, adaptability, and a strong work ethic.

John is excited to bring his problem-solving mindset and people skills into a professional setting and plans to build his technical knowledge and complete his Level 4 Diploma in Regulated Financial Planning in the future.

Alex joined Advice on Wealth Ltd in April 2026, having previously worked alongside his father, Jon, at Ridgeway Financial Services Ltd. He has been working in the financial services industry since 2014, with a particular focus on wealth management since 2016. Alex brings a strong level of experience and a detailed understanding of the advice process, supporting advisers and clients throughout the financial planning journey. He holds the CII Certificate in Mortgage Advice (Cert CII (MP)) and is currently working towards the CII Level 4 Diploma in Regulated Financial Advice.

Ann has a wealth of experience from senior management roles within multinational companies. Following a career change, she retrained and is now a qualified member of the Society of Will Writers. Ann specialises in Wills, Lasting Powers of Attorney, Trusts, and Living Wills. She provides professional, cost-effective estate planning solutions to clients across the UK, helping individuals and families protect their assets with confidence.

Sam joined the team in 2024, with 40 years experience in financial services, specifically working with financial advisers and more recently running a corporate Foundation, raising funds and donating grants of over £500k each year, to charities.

Sam will use her breadth of project management experience to support the Advice on Wealth Ltd team and our clients experience, through delivering key projects and activities.