Welcome to NOW Financial Planning
NOW Financial Planning helps successful individuals, families and business owners make smarter financial decisions for life’s most important moments. Guided by integrity and driven by results, we create bespoke plans that reflect your goals, your values, and your vision for the future.
What we do
We provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.
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Read our reviews
We are proud to have a 5 star rating on Google.
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Testimonials
Phil Oats is an exceptional financial planner. I have recommended him to several friends, all of whom are delighted with the service he offers. What makes Phil stand out is his genuine interest in his clients as people and his ability to listen and understand them well. Phil’s communication and a...
Before working with Phil and the team at NOW my financial planning strategy had been largely based around a hope that the decisions I was taking would deliver the desired results. Now I have near certainty that all of life’s big events are fully achievable and that the plans we put in place just ...
Over the course of the last 20 years Andrew, and latterly Ceri, have worked hard to help me achieve my financial goals, and have done so very successfully. Supported by a really professional team at NOW, their service and support have been superb and I would recommend them to anyone.
Phil has provided me with wonderful advice and support which enabled me to take early retirement. Our review meetings are everything you would expect and more, structured, focused, supportive and friendly. I certainly would not hesitate to recommend Phil and the team to anyone.
Phil has been instrumental in getting me to think about where I want to be “post work years”. His approach really shines a light on key areas to focus on and he never pushes any products on you. I would highly recommend Phil and his team, especially if you want to get yourself organised and focus...
Ceri has been central to helping us build a clear financial plan for our family. She has given us clarity, security and achievable goals – we now have a vision for our financial future. Ceri makes financial thinking straightforward (and fun)! It’s such a relief to know that she has a central view...
Phil has been advising and supporting me for many years now and well, I’m still with him and wouldn’t consider going anywhere else. I trust him implicitly, not only because he knows his financial onions without a doubt, but because he listens, takes time to understand individual needs and concern...
Karen Coello is exceptional as an adviser and also is a very kind and trustworthy person. I felt completely confident in her skills, ability, knowledge and professionalism. Karen took all the stress out of the process of buying a home. She was very efficient and thorough, but at the same time ver...
Since starting to work with Phil almost a year ago, I have found him to be extremely knowledgeable, professional and courteous. He places great importance on understanding a client’s individual situation and advising accordingly on the best course of action, taking into account both financial and...
Andrew is always at the end of the phone nothing is too much trouble, he alleviates all my anxieties. He is trustworthy, friendly and the upmost professional. I do not hesitate to recommend him to my friends and family who are looking for a financial planner.
We were initially anxious about which product to choose but following the advice of our advisor we selected a Care Annuity for Mum. The process took almost a year to conclude, due to the pandemic but the level of patience from our advisor was much appreciated. We would recommend their services wi...
Andrew Morgan has given us fantastic financial advice and for over twenty years. During this time has helped our portfolio grow giving us a real chance at financial independence. Over the years Andrew has not only given us sound realistic financial advice, he has also checked on our individual an...
*Past performance is not indicative of future performance.
I was introduced to Karen, a mortgage adviser, who helped me secure a mortgage on my family home following my divorce. Karen was supportive and professional. We talked about my long term plans and the fact I would be selling my house once my daughter finished her A-levels. Once I sold my property...
Phil is a very proactive financial planner. He communicates clearly and makes sure I always understand what actions we are taking and why – but even more to the point everything is based around my future goals. I always know where I stand financially and what I need to be doing to meet those goal...
Phil has been instrumental in ensuring the financial security of my elderly mother and I wouldn’t hesitate to recommend him to anyone. When making such important decisions it’s great to know there is someone you can trust 100% for advice.
I wanted to plan for my family’s long term financial future and was recommended Adam by a close friend. He instantly made us feel valued, fully supported, and offered advice which best suited our finances and situation. I cannot rate him, or the service, highly enough and look forward to his ongo...
My experience with NOW has been excellent and I would not hesitate to recommend.
We used NOW when buying our first house and when recently moving – we were beginners but Karen explained everything clearly including the step-by-step to buying a house which really set our minds at ease, expl...
There are two areas of importance to ourselves, first our funds grow above inflation and second we can plan ahead for our future retirement with confidence. NOW Financial Planning has achieved on both counts and we are more comfortable and relaxed than at any time in our lives!
*Past performance is not indicative of future performance.
You put your life and future in the hands of a financial advisor and consequently a high degree of trust is placed in them. Having been Phil‘s client for many years now I can honestly say he is a safe pair of hands. His advice and knowledge has certainly helped us achieve our financial goals. His...
Phil is amazing at what he does, very professional and friendly but explains financial procedures in clear, easy-to-understand details. I have annual reviews to consider what might have changed and how to get the best from my investment. He always considers client requirements/location/busy diari...
Phil’s advice has been sound and reassuring. He explained clearly in Laymans terms our finances and how they are performing. Overall service has been excellent and I would not hesitate to recommend him and his team to anyone.
Phil has provided considered, realistic and friendly advice to us which made a real difference to our finances and retirement plans. In what can be, for many, a blinding confusion of options, possibilities and financial jargon, Phil has the great ability to make things clear and, vitally, to list...
Phil Oats is an exceptional financial planner. I have recommended him to several friends, all of whom are delighted with the service he offers. What makes Phil stand out is his genuine interest in his clients as people and his ability to listen and understand them well. Phil’s communication and a...
Before working with Phil and the team at NOW my financial planning strategy had been largely based around a hope that the decisions I was taking would deliver the desired results. Now I have near certainty that all of life’s big events are fully achievable and that the plans we put in place just ...
Over the course of the last 20 years Andrew, and latterly Ceri, have worked hard to help me achieve my financial goals, and have done so very successfully. Supported by a really professional team at NOW, their service and support have been superb and I would recommend them to anyone.
Phil has provided me with wonderful advice and support which enabled me to take early retirement. Our review meetings are everything you would expect and more, structured, focused, supportive and friendly. I certainly would not hesitate to recommend Phil and the team to anyone.
Phil has been instrumental in getting me to think about where I want to be “post work years”. His approach really shines a light on key areas to focus on and he never pushes any products on you. I would highly recommend Phil and his team, especially if you want to get yourself organised and focus...
Ceri has been central to helping us build a clear financial plan for our family. She has given us clarity, security and achievable goals – we now have a vision for our financial future. Ceri makes financial thinking straightforward (and fun)! It’s such a relief to know that she has a central view...
Phil has been advising and supporting me for many years now and well, I’m still with him and wouldn’t consider going anywhere else. I trust him implicitly, not only because he knows his financial onions without a doubt, but because he listens, takes time to understand individual needs and concern...
Karen Coello is exceptional as an adviser and also is a very kind and trustworthy person. I felt completely confident in her skills, ability, knowledge and professionalism. Karen took all the stress out of the process of buying a home. She was very efficient and thorough, but at the same time ver...
Since starting to work with Phil almost a year ago, I have found him to be extremely knowledgeable, professional and courteous. He places great importance on understanding a client’s individual situation and advising accordingly on the best course of action, taking into account both financial and...
Andrew is always at the end of the phone nothing is too much trouble, he alleviates all my anxieties. He is trustworthy, friendly and the upmost professional. I do not hesitate to recommend him to my friends and family who are looking for a financial planner.
We were initially anxious about which product to choose but following the advice of our advisor we selected a Care Annuity for Mum. The process took almost a year to conclude, due to the pandemic but the level of patience from our advisor was much appreciated. We would recommend their services wi...
Andrew Morgan has given us fantastic financial advice and for over twenty years. During this time has helped our portfolio grow giving us a real chance at financial independence. Over the years Andrew has not only given us sound realistic financial advice, he has also checked on our individual an...
*Past performance is not indicative of future performance.
I was introduced to Karen, a mortgage adviser, who helped me secure a mortgage on my family home following my divorce. Karen was supportive and professional. We talked about my long term plans and the fact I would be selling my house once my daughter finished her A-levels. Once I sold my property...
Phil is a very proactive financial planner. He communicates clearly and makes sure I always understand what actions we are taking and why – but even more to the point everything is based around my future goals. I always know where I stand financially and what I need to be doing to meet those goal...
Phil has been instrumental in ensuring the financial security of my elderly mother and I wouldn’t hesitate to recommend him to anyone. When making such important decisions it’s great to know there is someone you can trust 100% for advice.
I wanted to plan for my family’s long term financial future and was recommended Adam by a close friend. He instantly made us feel valued, fully supported, and offered advice which best suited our finances and situation. I cannot rate him, or the service, highly enough and look forward to his ongo...
My experience with NOW has been excellent and I would not hesitate to recommend.
We used NOW when buying our first house and when recently moving – we were beginners but Karen explained everything clearly including the step-by-step to buying a house which really set our minds at ease, expl...
There are two areas of importance to ourselves, first our funds grow above inflation and second we can plan ahead for our future retirement with confidence. NOW Financial Planning has achieved on both counts and we are more comfortable and relaxed than at any time in our lives!
*Past performance is not indicative of future performance.
You put your life and future in the hands of a financial advisor and consequently a high degree of trust is placed in them. Having been Phil‘s client for many years now I can honestly say he is a safe pair of hands. His advice and knowledge has certainly helped us achieve our financial goals. His...
Phil is amazing at what he does, very professional and friendly but explains financial procedures in clear, easy-to-understand details. I have annual reviews to consider what might have changed and how to get the best from my investment. He always considers client requirements/location/busy diari...
Phil’s advice has been sound and reassuring. He explained clearly in Laymans terms our finances and how they are performing. Overall service has been excellent and I would not hesitate to recommend him and his team to anyone.
Phil has provided considered, realistic and friendly advice to us which made a real difference to our finances and retirement plans. In what can be, for many, a blinding confusion of options, possibilities and financial jargon, Phil has the great ability to make things clear and, vitally, to list...
Phil Oats is an exceptional financial planner. I have recommended him to several friends, all of whom are delighted with the service he offers. What makes Phil stand out is his genuine interest in his clients as people and his ability to listen and understand them well. Phil’s communication and a...
SJP Approved 10/01/2025
The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.
