Stephen started his working life in industrial Non Destructive Testing, qualifying as an industrial radiographer and also as an ultrasonic inspector. Looking for a further challenge lead him to join Lancashire Constabulary where he served for four years. His career took another twist when, in 1988 whilst studying for Police examinations, he was invited to join a large life insurance company.

A short and very successful period with a leading banking group followed, but independence beckoned and since then Stephen has built his practice around a few simple principles:

• Always put the clients interests first
• Only recommend a product or service where appropriate and good value for the client’s circumstances
• Explain what is happening clearly and ensure the client understands the consequences of any action before taking such action and
• Be available to help when needed

Stephen holds the full Financial Planning Certificate and Mortgage Advice Qualification and continues to read and study widely to keep abreast of developments with and without the financial services sector.

During his career he has served as the Lancashire Regional Chairman, and Regional Officer, of the Life Insurance Association, and as a Member of the Chartered Insurance Institute's Society of Financial Advisers. Stephen has completed terms of office as a School Governor, Church Treasurer; more recently he has served as Secretary of his local Lions Club and has been President Darwen Lions Club for two years 2006/7 – 2007/8.

Stephen has been married to Pauline since 1987 and his hobbies include reading, music, chess and scuba diving with the youngest of his two daughters.