You have worked hard for your money,
let Orchard make it work hard for you.

Expertise and Experience

We believe, with our experience in financial planning, investing a little of your time with us could make a real difference to your financial future.

If you have any doubts about whether you are making the most of your savings and investments, you could benefit by giving us a call and having a conversation with one of our Independent Financial Advisers.


Our Financial Advisers

At Orchard our advisers review which savings, investments, pensions and life assurance products are the most appropriate for your personal circumstances and tax position.

Orchard works solely on personal recommendation from satisfied clients and our professional accountancy connections.


Being different means putting our clients first every time. Our relationship with our clients is more important than anything else. Below are our promises to you:

  1. We will always treat you as an individual, not like another customer
  2. We always remember that it is your money
  3. We keep things simple to avoiding unnecessary complexity
  4. We communicate with you in a straightforward manner

You have worked hard for your money,
let your money work hard for you!



Wayne has worked in the Financial Services sector for over 30 years. Initially beginning his career at Target Life, Wayne moved on to Commercial Union where he became one of their leading consultants specialising in the investment and corporate market.

Wayne has obtained his membership of the Personal Finance Society by Diploma. Wayne holds the Advanced Financial Planning Certificate for Taxation and Trusts, Savings and Investments and Supervision and Sales Management. In addition, Wayne has attained further qualifications in Pension Simplification, Mortgage Advice, Lifetime Mortgages and Long-Term Care.

Wayne is the former regional chairman and regional officer of the LIA, now know as the Personal Finance Society (PFS), the professional association for financial services.

Wayne is married to Hellen. His son Aaron having graduated from university is also an adviser in the family business. Although born in Watford, Wayne has lived in Hertfordshire and Buckinghamshire for the last 40 years. Having gained valuable experience working with other organisations, Wayne and his partner Phil established their own practice in 2001 to continue to develop the belief in providing a valued professional service to both new and existing clients.

Wayne is based at Head Office in Tring

Phil has considerable experience in the financial services industry having previously worked as a financial adviser for both a leading insurance company but also a retail bank. He was recruited by The Woolwich to become an adviser specialising in providing investment advice. Acknowledging that a greater number of clients receive impartial advice, he is now proud to advise his clients as an independent Financial Adviser.

Phil is a member of the Personal Finance Society (PFS), the professional association for financial advisers. As a part of continuous professional development, he is a regular attendee of PFS quarterly regional conferences.

Phil has recently passed the “pensions update” R08 qualification following the introduction of pensions freedoms. Whilst Phil advises on all areas of financial advice, he is particularly focused upon helping clients to fulfill their long term financial planning goals.

Phil has been married to Lisa for 25 years and they live in Brixworth with their two children, Verity and Alex. He is a lifelong supporter of Northampton Town and has held a season ticket for many years.

Philip is based at the Northampton Office

Aaron graduated from University in June 2011 with an honors degree in Business Management. Since leaving University he commenced working with his father Wayne at Orchard IFA and begun studying for professional qualifications in 2014.

Aaron has attained Financial Services Regulation and Ethics (R01) and the certificate in Mortgage Advice (CF6) and has been authorised to provide independent mortgage advice since 2015.

Aaron has continued his professional development and has qualified with the Diploma in Regulated Financial Planning enabling him to provide Independent Financial Advice. Aaron is a member of the Personal Finance Society (PFS), the professional association for financial services.

In his spare time, Aaron is a lifelong supporter of Watford FC, likes to travel, is a keen cricketer and enjoys attending classic car events.

Aaron is based at Head Office in Tring


Savings & Investments


Tax & Financial Planning

Retirement Income

Life Assurance

Wealth Management


Inheritance Tax


Head Office

Orchard Independent Financial Advice
6 Harcourt Road, Tring
Hertfordshire HP23 5JJ

Telephone: 0203 356 7700
Facsimile: 0203 513 0066

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Northampton Office

Orchard Independent Financial Advice
10 Horseshoe Close, Brixworth
Northamptonshire NN6 9EQ

Telephone: 0203 356 7701
Facsimile: 0203 513 0066

The FCA does not regulate some forms of estate planning and tax planning. If you have a complaint or dispute with us and we are unable to resolve this to your satisfaction, then we are obliged to offer you the Financial Ombudsman Service to help resolve this.
Orchard Independent Financial Advice is authorised and regulated by the Financial Conduct Authority (FCA). FCA Number: 608126

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Orchard - Independent Financial Advice