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!



Partner – Chartered Financial Planner

Wayne has worked in the Financial Services sector for over 35 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 markets.

Wayne holds the Advanced Financial Planning Certificate for Taxation and Trusts, Savings and Investments and Supervision and Sales Management. He holds further qualifications in Pension Simplification, Investment Principles and Risk, Advanced Retirement Income Planning, Advanced Principles and Practice of Financial Planning, Mortgage Advice, Lifetime Mortgages and Long-Term Care. Wayne is a Chartered Financial Planner; a qualification held by few advisers within the United Kingdom.

Wayne is the former regional chairman and regional officer of the LIA, now known 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, he has lived in Hertfordshire and Buckinghamshire for the last 50 years. Having gained valuable experience working with other organisations, he and his business partner Phil established their own practice in 2001 to continue to develop a valued professional and personal service to both new and existing clients.

Wayne is based at Head Office in Tring

Partner – Independent Financial Adviser

Phil has considerable experience in The Financial Services Industry having previously worked as financial adviser for both a leading insurance company and a retail bank.  Acknowledging that a greater number of clients’ welcome 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 part of his continuous professional development he is a regular attendee of the quarterly PFS regional conferences and training days.

Phil has recently passed the “pensions update” RO8 qualification following the introduction of pension freedoms. Whilst Phil advises in all areas of financial advice, he is particularly focused upon helping clients to fulfil their long-term financial goals.  He is very proud of the close relationships he has formed with his clients and their families over many years.

Phil has been married to Lisa for over 25 years, and they live in Brixworth with their 2 children, Verity and Alex. He enjoys keeping fit and is a lifelong supporter of Northampton Town Football Club.

Philip is based at the Northampton Office

Independent Financial Adviser

Aaron graduated from university in 2011 with an Honours Degree in Business Management. Since leaving university he commenced working in the family business and begun studying for professional qualifications.

Aaron holds the Diploma in Regulated Financial Planning and the qualification to provide mortgage advice. He has also attained advanced qualifications in Advanced Retirement Income Planning. As a member of the Personal Finance Society (PFS), the professional association for financial services, Aaron is currently studying to complete his Advanced Diploma in Financial Planning to become a Chartered Financial Planner in the near future. Upon completion, he will be one of the youngest people in the United Kingdom to have attained this qualification.

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