as a team
15
+
Years Together
4
Chartered Planners
Gold standard accreditation
100
%
Independent
Whole-of-market advice
1
Purpose
Your financial future
We believed advice should be different.
For more than fifteen years, we have worked together as financial planners, with combined decades of experience in financial services.
We’ve worked closely with families, supported business owners, and guided clients through every stage of their financial journey—from retirement and inheritance to periods of uncertainty and growth. We have taken the time to understand each client’s financial goals, whether they’re just getting started or looking to elevate their investments to the next level.
“Together, we built strategies, solved complex problems, and earned trust — one relationship at a time.”
Over time, we realised something important.
The advice we wanted to give, didn’t always fit within a larger organisation. Processes became heavier. Decisions moved further from clients, and we felt there was a better way to deliver this service.
We believed financial advice should be different, so we decided to create it ourselves.
It should be personal.
It should be independent.
It should be proactive.
Today, nothing has really changed — and that’s exactly the point. The same advisers, the same collaborative approach, and the same commitment to doing what’s right for our clients.
The Name Means Something
4Front Financial Management
The name means something to us. It reflects who we are and how we work.
Four Experienced Planners
Working at the front of strategy, opportunity, and change
Keeping our clients at the forefront of every decision
Today, nothing has really changed — and that’s exactly the point. The same advisers, the same collaborative approach, and the same commitment to doing what’s right for our clients.
Because independent advice, built on experience and shared values, creates better outcomes.
Meet the team
As a Chartered Financial Adviser, I am committed to helping individuals and businesses achieve their financial goals through tailored advice. With expertise in investment planning, pensions, wealth management, and financial protection, I provide clear guidance designed around each client’s unique circumstances.
I pride myself on building long-term relationships founded on trust and transparency. My goal is to empower clients to make informed decisions and secure their financial future with confidence.
When I’m not working, I enjoy travelling, spending quality time with my family, and exploring new places.
T: 07720 392812
E: karen@4frontfinancial.co.uk
I’m a Chartered Financial Planner with over 13 years’ experience supporting a wide range of both personal and corporate clients. Throughout my career, I’ve developed a strong belief in keeping financial advice clear, practical, and tailored to each individual.
I specialise in areas such as group pension schemes, retirement planning, and estate planning—helping clients make confident decisions about their future, whether that’s preparing for retirement, looking after their employees, or protecting their wealth for the next generation.
T: 07920 400998
E: paul@4frontfinancial.co.uk
With over 25 years’ experience in financial services, I’ve been helping individuals and businesses achieve their financial goals since 1998, offering advice that’s personal, practical, and built on trust.
As a Chartered Financial Adviser—the highest qualification in the profession—you can be confident you’re receiving expert guidance delivered with integrity and care.
I believe good financial planning starts with you. By taking the time to understand your circumstances, priorities, and future ambitions, I create tailored plans designed to help you feel confident about what lies ahead.
Building long-term relationships with my clients is at the heart of what I do. I aim to provide a friendly, approachable service, alongside clear, professional advice, every step of the way.
My expertise covers pensions, savings, investments, inheritance tax planning, and protection, helping you put the right plans in place to protect and grow your financial future.
T: 0745 368 9804
E: raymond@4frontfinancial.co.uk
As a Chartered Financial Adviser with over 20 years’ experience, I’ve worked closely with individuals, families, and business owners to help them make confident financial decisions for the future. I understand that no two people are the same, which is why I take the time to really get to know each client—their goals, concerns, and what truly matters to them.
For me, it’s about more than just financial advice; it’s about building lasting relationships. I pride myself on offering a service that’s built on trust, honesty, and a genuine commitment to putting my clients’ needs first at every stage of their journey.
T: 07720 404060
E: seainin@4frontfinancial.co.uk
As Operations Manager at 4Front Financial, I’m responsible for overseeing the day-to-day running of the business, making sure everything operates smoothly and efficiently behind the scenes. I enjoy bringing structure and organisation to the team, while also finding ways to improve processes and support the continued growth of the business.
I’m passionate about supporting both our team and our clients, and I take pride in being someone people can rely on to solve problems and keep things moving forward.
Outside of work, I love to travel and experience new places. I also enjoy getting outdoors whenever I can, especially on long walks with my dog, Nala.