About Us
Primarily, we are IFAs offering the usual broad financial advice but more specifically, we are financial planners and pension strategy specialists.So what do we do exactly? As retirement approaches (and indeed, during it sometimes) it is time to take stock and try to design a strategy to ensure that one can comfortably live out one's remaining years. This is where we come in. We will:-
- Pull together all your various pension schemes, cutting through the often impenetrable documentation amassed and explain in clear terms what it is that you have, what it all means and what it all amounts to.
- Then we outline the various options open to you.
- Next, we discuss your expectations and hopes for the future, determining how much income will be required in each decade of retirement. Existing pension funds, together with other assets will need to be analysed, risk adjusted, rebalanced and monitored which we undertake in conjunction with other specialists as necessary.
- With the aid of bespoke cashflow spreadsheets and taking into account all other investments, we then design and present the optimum strategy which we then implement and monitor annually thereafter.
Our History
Peter Ellam established Ellam Financial in April 1986. The practice was established to advise and service clients referred by local solicitors and accountants. As the business expanded, increasingly by client referral. In 1996, Ellam Financial was changed into a partnership when Peter's wife Estelle joined him. The Practice Manager is Alison Erskine who joined us in 1997. Since then, Ellam Financial have grown by adding clients with whom they can establish long term relationships.
Our Team
Estelle Ellam Dip PFS, has more than 30 years experience in the financial services industry in a variety of roles including administration, sales, compliance and management. She is a member of the Personal Finance Society (PFS) and holds the Advanced Financial Planning Certificate (AFPC) including the approved Pension exam G60 which enables her to provide specialist advice in the area of pensions, her particular area of expertise. She is also the practice's primary "technician". Her hobbies are horse riding, graphology, shopping (of course!), motorhoming and managing two very lively fox terriers named Jake and Jeannie.
Alison Erskine is our Practice Manager. Her role at Ellam Financial is ever-expanding and covers client relationship management, administration and assisting in the whole financial planning process. She lives locally with her husband, and their two children, Billie and Archie. Her hobbies include watching football (dedicated Liverpool supporter!), cooking and entertaining.
Peter Ellam, is no longer registered as an adviser but remains with the practice in a variety of non advisory roles. His hobbies are also equestrian, cooking and motorhoming.