Founded in 1992 · Sutton Coldfield

Three Decades of Independent Guidance

From our beginnings in 1992 through three decades of generational continuity, J&P Financial Services has stood as a pillar of fiduciary trust, helping Midlands families and business owners protect and build their wealth.

Meet Our Advisers Visit Sutton House

Institutional Standing

Firm Credentials

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Established: 1992 by the father of current Managing Director Simon.
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Succession: Simon joined in 2007, serving as Managing Director since 2008.
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Chartered & Fellowship: In-house chartered planning accreditations.
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Regulatory Ref: FCA #708386 · Companies House #06593859.

1992

Year Established in Sutton Coldfield

100%

Independent Whole-of-Market Advice

5.0 ★

Flawless Google Client Rating (31 Reviews)

Sutton House

Historic Premise on Coles Lane, B72

Our Heritage & Succession

Rooted in the Royal Town of Sutton Coldfield

For more than 32 years, J&P Financial Services has operated on a single core principle: putting the client at the heart of every decision.

Originally established in 1992 by the father of current Managing Director, Simon, the firm was built upon personal relationships, local accessibility, and steadfast reliability. Simon joined the practice in 2007 following extensive advisory tenures at Prudential and Aviva, officially succeeding to ownership and becoming Managing Director in 2008.

While many financial advisory firms have been swallowed up by anonymous national consolidators or private equity funds, J&P Financial Services has deliberately remained fiercely independent. Our clients know exactly who is handling their money. When you telephone our office at Sutton House, you speak directly with familiar team members who know your name, your family circumstances, and your long-term goals.

Sutton House, Coles Lane headquarters of J&P Financial Services

Our permanent headquarters at Sutton House, 4 Coles Lane, Sutton Coldfield

Fiduciary Advantage

The Critical Difference Between Independent & Tied Advice

Under Financial Conduct Authority regulations, financial advisers must be classified as either 'Independent' or 'Restricted'. We are proud to be fully Independent.

J&P: Independent Financial Advisers (IFA)

✓ Whole of Market: Unrestricted access to all UK pension providers, fund managers, and insurance underwriters.
✓ Fiduciary Responsibility: Legally obligated to act solely in your best interests without bias.
✓ Bespoke Solutions: Portfolios and decumulation strategies engineered around your exact tax band and life timeline.

Tied & Restricted Advisers (Banks & Franchises)

✕ Limited Product Panels: Restricted to recommending only their employer's proprietary funds or a pre-selected short list.
✕ Sales Quotas: Often incentivised by corporate targets and tied platform fees rather than client outcomes.
✕ Rigid Templates: Standardised packages that fail to adapt to complex legacy pensions or inheritance structures.

Experienced Practitioners

Meet the J&P Financial Services Team

Combining more than a century of collective advisory, paraplanning, and administrative expertise at Sutton House.

Simon

Managing Director & Independent Financial Adviser

Simon possesses more than 30 years of dedicated experience across the UK financial services sector. He began his career with Prudential as a tied agent before transitioning to Aviva and achieving Independent Financial Adviser status. He joined J&P Financial Services Ltd in 2007 under his father's ownership, succeeding to full leadership and serving as Managing Director since 2008.

Simon specialises in holistic personal and corporate financial planning, high-value pension transfers, bespoke investment portfolios, and comprehensive business protection.

Avid sports fan, snooker player, and cricket spectator.

Mark

Chartered Financial Adviser & Fellow

Mark has worked within financial services for more than 20 years. He is a fully qualified Chartered Financial Adviser and holds the prestigious Fellowship in Financial Planning—the gold standard of technical competence and ethical standing in the UK.

Mark is a vehement advocate of genuine independence, believing that whole-of-market access is indispensable to crafting truly honest, uncompromised recommendations.

Keen golfer, weekend gardener, chicken keeper & European traveller.

Phil

Senior Independent Financial Adviser

With over 30 years in the financial profession, Phil advises private individuals, families, and commercial business entities. He works closely with clients across short-, medium-, and long-term accumulation horizons.

His advisory scope encompasses personal pensions, family protection insurance, capital investments, Inheritance Tax planning, equity release, and corporate workplace schemes.

Passionate golfer, travel lover, and dedicated Aston Villa supporter.

Sonia Foxall

Independent Financial Adviser

Sonia has a long-standing track record of advising families and business owners across Sutton Coldfield and Birmingham. She is widely praised in client reviews for transforming complex financial jargon into clear, reassuring guidance.

Sonia assists pre-retirees with pension consolidation, lifetime income drawdown, ISA investments, and first-time property mortgage acquisitions.

Works so she can holiday, loves crime fiction, and rugby touchline supporter.

Rachel

Director & Paraplanner

Rachel brings over 20 years of experience within financial planning. Having worked her way up through client services and operations, she qualified as a licensed financial adviser and now operates as Director and Senior Paraplanner.

She directs technical research, fund analytics, regulatory suitability reports, and cash-flow modelling for complex retirement portfolios.

Dedicated to fitness workouts, Pilates, and walking her dog.

Angela

Practice Administrator

Angela has more than 20 years of operations and logistics administration experience, paired with 5 years dedicated to financial services practice management.

She ensures client files, pension transfer requests, and annual review documentations are processed with absolute precision and punctuality.

Enjoys live concerts and long walks with George, her Border Terrier.

Abigail ("Abbie")

Practice Administrator

Abbie brings 7 years of administrative and client support experience within the financial sector. She provides warm, helpful first-contact service for clients phoning or visiting Sutton House.

She manages appointment schedules, review files, and liaison between product providers and advisers.

Spends weekends outdoors with her two young sons, Harry and Archie.

Luna

Head of Security & Office Mascot

Luna is the honorary four-legged heart of Sutton House. Known for monitoring the reception foyer, supervising team lunch breaks, and providing emotional reassurance to clients.

Strictly zero tolerance for delivery doorbells; high tolerance for biscuits.

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Experience Independent Financial Planning in Sutton Coldfield

Whether you are reviewing legacy pensions, protecting your family, or planning early retirement, our experienced team is here to help.

Book Your Free Review Call 0121 2410359