With over 20 years experience in financial services Joe has held a number of Director roles with a range of companies including Chase de Vere, John Scott & Partners and AWD.

Joe's experience spans management and regulatory roles whilst always maintaining an active status in financial planning. He is qualified as a pension transfer specialist and is a chartered financial planner.

Mark entered financial services in 1993 working both in an advisory capacity and in management positions. He went on to focus on specialist pension planning and in particular advising on commercial property within pension wrappers, SIPPs & SSAS.

Mark is both a chartered and certified financial planner and a member of both the Personal Finance Society and Institue of Financial Planning.

Patricia started her career in financial services in 1982 in London, and went on to become a senior adviser.

In 2003 she took up the position of Head of Investments and Business Development with London and Country Mortgages, before moving on to join Beckford James. A key area of Patricia's work is with other professional advisers and intermediaries to provide financial planning services to their clients.