Meet The Team
Find out more about our firm
Obsidian Advisers
Andrew Carter
Independent Financial Adviser
T: 0345 250 8400
E: andrew.carter@obsidian-financial.com
M: 07799 410 502
Andy McCombe
Independent Financial Adviser
Andy specialises in:
- Pre retirement planning
- At retirement planning
- Savings and investments planning
- Inheritance tax planning
- Protection
- Tax planning
- Corporate financial planning
Many of Andy's clients have been with him for over 25 years. Andy believes in treating clients how he would wish to be treated himself, and giving the best service possible.
His aim is to increase clients wealth using investments that he would personally hold, keeping things simple in the process so that his clients understand what they have and why they have it.
T: 0345 250 8400
E: andy.mccombe@obsidian-financial.com
M: 07891 019 895
Colin Summers
Independent Financial Adviser
I have worked in Financial Services since May 1983 and in that time; I have held various positions, including roles such as the man from the Prudential, specialist corporate adviser, sales manager, Practice Principal and now solely as an Independent Financial adviser.
I provide advice, help and guidance in all areas of financial planning, but specialise in Pensions both individual and company, estate protection and wealth management.
In these difficult times the benefit of both initial and ongoing advice is essential in maintaining and reaching your goals and objectives.
I meet many new clients in my role as an Independent Financial adviser due to referrals from family and friends of my existing clients.
I believe it is important to understand the objectives of my clients both now and in the future so I can provide solutions to their goals. This can only be achieved by initially carrying out an individual meeting, with no initial cost which I believe provides the basis for a good relationship. I believe it is imperative to communicate what are essentially complex, financial matters in an easy-to-understand way and provide excellent ongoing service.
When I'm not working, I like to spend time with my wife, children and grandchildren. We like to keep busy and travel both at home and abroad.
We are actively involved in our families life spending lots of time with grandchildren.
Gareth Martin - FPC 1,2 & 3 CII Level 4 Diploma in Financial Planning
Independent Financial Adviser
I have been in the financial services industry since 1986 and feel that regular contact with my clients has been the key to my success. I have been an Independent Financial Adviser since 2002 and my clients tell me the thing I do best is to be friendly and reliable and to provide a great on-going service to them by keeping in touch and reviewing their business on a regular basis.
I offer unbiased independent financial advice with integrity and sound technical knowledge, which is tailored to each client’s personal short, medium and long term requirements. I’m proud to say that I have achieved the CII Level 4 Diploma in Financial Planning and keep up to date with changes in the industry with regular continuing professional development
I am married to Annabel and have two children, Joe and Jess. We live in Derbyshire and enjoy doing things as a family, in particular taking the dog for a walk, going on family holidays and supporting our local football team Derby County.
T: 0345 250 8400
E: Gareth.Martin@obfl.co.uk
M: 07980 309 244
Gavin Mackay - APFS
Chartered Financial Planner APFS
Developing long term relationships with clients is the key to helping them achieve their retirement, investment and life goals both now and in the future. Meetings can be conducted face to face or remote to suit. With 22 years experience, and the full Chartered qualification please contact me if you are looking for help with regards to the following areas-
Wealth and Investment Management
Retirement Planning and Pensions
Drawdown and at retirement planning
Pension and Divorce
Reviewing your existing investment and retirement portfolio
Graham Eadon - FPC 1 2 3, MAQ, Certificate PFS, Diploma PFS
Independent Financial Adviser
Originally from an egineering background I have been in financial services since 1992 joining the Co-Operative Insurance society as an agent then a financial consultant until taking the role as a sales team manager in 1998 which is a role I retained until leaving in 2004 to joint St James Place as a multi tied adviser becoming fully independent in 2005 providing personal financial advice to existing and new clients.
I provide advice, help and guidance in all areas of financial planning, specialising in investment planning, retirement planning and financial security for dependents.
Whether providing a financial review with a new or existing client or in my role I believe it is important to communicate what are essentially complex, financial matters in an easy and understandable way.
T: 0345 250 8400
E: graham.eadon@obsidian-financial.com
M: 07976 422 402
Graham Tomlinson - Regulated Diploma in Financial Services
Independent Financial Adviser
Graham has been advising clients of all ages since 1996. During this time the depth and level of knowledge that Graham has obtained ensures that his clients are fully aware of all of their available options amongst the vast array of financial solutions whether they are looking to accumulate wealth for later life including retirement or they may already have significant wealth in Pensions and Investments and are looking now to make use of this wealth to give them a good standard of living in retirement.
Graham also advises clients on protecting their families and their incomes should any unforeseen incident happen enabling the financial plan to remain a reality. He is committed to keeping his clients informed of any regulatory changes that may affect his clients financial situation both now and in the future.
T: 0345 250 8400
E: graham.tomlinson@obsidian-financial.com
M: 07904 144 490
Kevin Knight - FPC 1 2 3, MAQ, Certificate PFS, Diploma PFS
Independent Financial Adviser
Since 1983 I have worked in Financial Services as a Financial Consultant, member of a Corporate Advice Team, Mortgage Specialist, and my current role as an Independent Financial Advisor.
I specialise in providing advice, help, and guidance for Investments and Retirement Planning.
I have a good relationship with all of my clients, either meeting with them face to face, or remotely via zoom depending on their personal preferences. I recognise that financial matters are complex and therefore ensure to communicate them in an accessible and easy to understand way.
Outside of work I love spending time with my family, and my hobbies include spectator sports, reading, gardening, listening to music, and going on holidays.
Kingsley Anderson
Protection Adviser
I am a Protection Adviser with over 30 years’ experience in Financial Services. I have worked for various companies as a Protection Adviser providing specialist advice and solutions for business clients as well as individuals and families.
Covid19 has really highlighted the importance of having the right protection plan in place in order to mitigate any potential financial implications that a pandemic may cause.
I am passionate about and enjoy providing financial advice and solutions. Over the years I have seen many of my clients benefit from the tailored advice which has helped them to maintain their financial goals and objectives.
As a result of this many of my existing clients have been with me in excess of 20 years and continue to benefit which has led to their grown-up children becoming clients and benefitting from my experience and expertise in this specialist area.
The protection market is a very important area of financial planning which often gets overlooked by many businesses and individuals. When meeting new clients, I endeavour to listen carefully to their needs and simplify what can be a complex area by explaining, clearly the benefits and importance of having tailored advice and solutions for both businesses and families.
I also work closely with other trusted Advisers who are able to provide additional services outside of my specialist area i.e., pensions, investments, and mortgages.
I have been married for 37 years and have three grown up children. I enjoy socialising and meeting new people and spending quality time with my family and grandchildren.
T: 0345 250 8400
M: 07855 076 023
E: kingsley.anderson@obsidian-financial.com
Paul Griffiths - FPC 1,2 & 3 QCF Level 4
Independent Financial Adviser
Paul has spent his whole career in financial services; the last 20 of which have been as an IFA. He specialises in investment advice and tax planning working with clients to increase their wealth or income and using a variety of strategies to minimise clients’ Inheritance Tax, Capital Gains Tax and Income Tax liabilities.
His clients are particularly grateful for his ability to explain matters to them in simple, plain English.
Paul’s family is the centre of his world; his wife Lynn works closely with him on a day to day basis and they have 2 children, Matthew and Bethany along with a house full of Whippets and one Labrador which they breed and show under their kennel name Pelyma. Horses also play a big part in his life taking his daughter all over the country competing at Dressage.
T: 0345 250 8400
E: paul.griffiths@obsidian-financial.com
M: 07971 958 660
Philip Lowe
Independent Financial Adviser
I am 51 and married to my wife Helen, We have a son Jordan who is twelve, I live in Derby and I have been working within the financial services industry for over 27 years, initially as a tied adviser with two well-known financial institutions and then twenty two years ago I broadened my horizons and became an Independent Financial Adviser.
I have worked hard in that time to build a large client base all over the UK to whom I offer a reliable professional service.
I believe the way to maintain a good relationship with my clients is through regular contact and to provide unbiased Independent Financial advice to them when required throughout the year, ensuring that their needs are met and aspirations are kept on track, I have enabled many clients to preserve their wealth through the ever changing world that we live in and through very testing times like the financial crash of 2008 and the more recent covid 19 world pandemic.
The services that I offer my clients allow me to provide comprehensive advice in respect of retirement planning, investment strategies and protection i.e. life cover, income protection and critical illness cover.
I enjoy spending time at the weekends with my wife and son and living a good family life, I am also a keen follower of my local football team Derby County and have a season ticket along with my son and father.
I am a founder trustee of the Rams Heritage Trust and I am a published author.
T: 01332 755 113
E: Phil.Lowe@obsidian-financial.co.uk
M: 0345 250 8400
Roger Marlow - DipFA, CeMAP, and CeRER
Registered Mortgage Adviser
Mortgage lenders have increased both the complexity and lending criteria of their mortgage product range. They have also increased the range of mortgage products to choose from. There are currently 4812 mortgage products available to borrowers; almost double the number on offer in recent years.
Roger is finding more borrowers are approaching him to help guide them through the process of finding the right mortgage for them.
With many years experience, Roger has built a large client base, from residential property purchasers, to experienced portfolio landlords and property developers. This also includes the growing demand from those in their 'later years' who wish to continue with their mortgage or to raise additional capital from their properties.
Whether it be your first step onto the property ladder, moving home, or adding to your property portfolio, Roger provides the right advice by cutting through the maze of products and criteria to find what is best for you. He then reviews your mortgages on a regular basis, providing you with the assurance that have the most appropriate and cost-effective product both now and over the subsequent years.
Steve Moulton - Diploma level 4 Financial Advice (IFS), Financial Planning Certificate (FPC 1, 2 & 3), Level 3 Certificate in Mortgage Advice
Independent Financial Adviser
I have worked within financial services for 25 years starting my career as a tied adviser with one of the country’s best known Insurance institutions. It soon became apparent that that in order to offer best advice to my clients I would need to alter my position to become an Independent Financial Adviser (IFA) and therefore made the move two years later. During the next ten years I also managed a team of IFA’s as a Branch and Regional manager whilst continuing to advise myself.
My clients tell me the thing I do best is provide clear and straightforward advice and offer a faultless ongoing service by keeping in touch and reviewing their circumstances on a regular basis. I can be relied on to offer unbiased financial advice with integrity and sound technical knowledge, which is tailored to each of my client’s personal short, medium and long term requirements.
In my spare time I travel the UK with my Wife and friends in our converted camper, I have three grown children with which I love to spend time with and build memories.
T: 0345 250 8400
E: steve.moulton@obsidian-financial.com/a>
M: 07824 356 712
Ken Willmin
Financial Consultant
After some early years in retail and with Post Office Counters, I joined AXA Equity in Law in April 1994 - in their direct advisory division – and am still looking after some of my original clients to this day.
I moved on to become part of my own group Maxam LLP following some contractual changes at AXA, who themselves bought the THINC Group and moved all advisers into that, which subsequently changed its name to Bluefin.
From there I moved to Bragagnini Associates before joining IBA Wealth Management in July 2012 – and after 10 ½ years with them I moved to Obsidian Financial Ltd in January 2023.
I run my own office in Kings Langley near Watford, supported by my very experienced PA Wendy but prefer to go and visit my clients at their home or place of work.
I have a very loyal customer base – having dealt with some during the whole of my 30 year career thus far – taking clients on a journey to achieve their financial goals and retirement aims.
Outside of work I am an avid football fan supporting Watford FC for my sins and am a member of the 92 club, having seen matches at all of the current grounds in the Premier League and Football League as well as at grounds no longer in the league and at former stadia.