People

tim.langman@perspective-group.com

Tim is Managing Director at PFM, having first joined the firm in 1998.

Tim continues to provide a personal service to his private and corporate clients whilst overseeing the running and management of Perspective. Tim has worked closely with the team over the years to considerably grow the business and develop new proposition and opportunities for clients, including the development of active fund management.

Tim works closely with the team to continue to foster strong links with other professional partners in order to ensure their clients receive a first class advisory service. He also oversees company pensions work with the firm and heads all company pension scheme reviews.

graham.letts@perspective-group.com

Graham has been providing financial advice for over 20 years, over a decade of this with Perspective Financial Management.

During this period, Graham has worked for local and national firms currently manages the team of advisers at PFM.

Graham is very much a family man who carries his personal values of trust in to his work life where he focuses on developing strong, long-lasting and productive relationships with clients.

joe.reed@perspective-group.com

Joe joined PFM via their Graduate Trainee Programme in 2002 having graduated with a 2:1 BA(hons) degree in Financial Services from the University of Northumbria. Since joining Perspective, Joe has completed his full Diploma in Financial Planning with the Chartered Insurance Institute and has attained his Certificate in Investment Management from the Chartered Institute of Securities and Investments (formerly SII).

Joe’s primary focus within PFM, is working with private clients to assess and manage their pension and investment requirements. This involves working closely with clients to ensure timely and best advice is provided whenever needed. Joe is also a qualified mortgage adviser.

matthew.beddall@perspective-group.com

Matthew entered the world of financial services in 1994 working for an international financial services company as a client consultant before becoming an Independent Financial Adviser with one of the country’s top five banking institutions in 1999, working for both private and corporate clients.

Matthew joined Perspective in February 2009 as an Independent Financial Adviser to help develop their professional partnerships and to provide ongoing advice to existing and new clients.

Matthew offers a professional but friendly approach, providing impartial advice to each of his clients based on their individual needs and circumstances. He continues to work closely with both solicitors and accountants to ensure that all aspects of his clients’ affairs can be managed in a cohesive manner.

Matthew is a Personal Finance Society member holding the Diploma in Financial Planning (DipPFS) and is recognised as a specialist in Retirement Planning. He has also passed the specialist papers in Long Term Care Planning and holds a licence to provide full mortgage advice.

stephen.sale@perspective-group.com

Stephen joined Perspective’s Graduate Training Programme in 2006 having graduated from the University of York in 2005.

Stephen became a fully qualified IFA in 2007 and is also an Independent Mortgage Adviser. In addition to the standard IFA qualifications Stephen has the Diploma in Financial Planning as a Pension and Retirement Specialist. Stephen takes a particularly keen interest in the economic factors affecting pension and investment returns, which enables him to provide detailed insight, for the benefit of his clients.

Stephen provides advice to Perspective’s Private Clients and is the principle adviser to many of Perspective’s Corporate Pension Clients. On a Corporate basis, this includes advising a central London Barrister’s Chambers, a leading London Solicitors Practice, a highly regarded national Architects Practice and a national Sports Association.

Stephen is committed to providing a personal, professional and complete advice service to all clients, both Private and Corporate. This approach often results in many of the managers and professionals of Perspective’s Corporate Clients also choosing to receive advice personally.

graham.evans@perspective-group.com

Graham oversees the day-to-day running of the Perspective office in order that our high standards of service are met and adhered to. Graham works closely with all advisers at PFM to make certain that they have the resources and support required to service their clients in a more than satisfactory manner.

PFM works hard to ensure that work is undertaken in a manner which complies with their guidelines and regulations of Financial Services Authority. Graham oversees the compliance procedure at PFM and is the primary point of contact in the uncommon event that a client wishes to complain about the service of advice received from a PFM adviser.