Paul’s move into financial services was heavily influenced by his father, who enjoyed a successful career as a financial adviser spanning over 30 years.

“My father was a huge inspiration,” says Paul. “His dedication to his clients and depth of knowledge about financial planning had a big influence on me when I was considering my own career path.”

Paul joined Equitable Life in January 2000, a company well-known for its training programmes. It was here that Paul not only honed his skills but also earned his Financial Planning certification.

Following the closure of the company, Paul joined Britannic Retirement Solutions in December 2001 and eventually became a self-employed Independent Financial Adviser in March 2003.

As he started his career as an IFA (Independent Financial Adviser), Paul was also making waves as a semi-professional footballer, turning professional in the 2004-2005 season.

A highlight of his sporting career came in 2006 when he scored the pivotal goal for Accrington Stanley FC, propelling the team – and himself as one of its top scorers – into the Football League.

As his success on the pitch grew, the demands required of a professional sportsman made it impossible for Paul to keep working as an IFA. It was at this point that he decided to take a step back from financial services to concentrate solely on his football career.

Over the next six years Paul continued to play for Accrington Stanley, followed by a stint on loan to Bradford, before ending his playing career with Morecambe. But even as a successful footballer, Paul knew he had to plan for a future beyond the game. “Although football took centre stage for a time, I knew it was important to have something equally as rewarding when my football career inevitably ended. Even when playing, I carried on studying for my financial services qualifications.”

In 2010, Paul achieved Chartered Status, and the following year, at the age of 37, played his last game of professional football. Paul’s commitment to growing his knowledge continued when he became a Fellow of the Personal Finance Society and passed the Society of Trust and Estate Practitioners financial services certification in 2013.

Paul resumed his career as a financial planner in 2011, joining a firm that specialised in financial advice to professional footballers. He was uniquely qualified to offer guidance to young players, particularly when it came to preparing mentally and financially for life after football.

“I had first-hand knowledge of the difficulties players face, which allowed me to offer targeted, impactful advice and help young athletes manage their finances responsibly.”

However, Paul soon wanted to broaden his client base to work with people from all walks of life.

“I’ve always found building genuine, long-term relationships with my clients more satisfying, and that’s what I wanted to do. It’s about seeing the bigger picture and helping clients build financial security through their entire lives, not just helping them at a moment in time.”

In 2015, Paul founded Ten Financial Planning. The firm’s name nostalgically referenced his shirt number and represented a new phase of his career, focused entirely on comprehensive independent financial planning.

His wife joined him, bringing her marketing and business management skills to the venture. Together, they grew a successful business recognised for its client-focused service and trusted advice.

In 2023, Ten Financial Planning was acquired by Amber River True Bearing. It was the synergy with Amber River True Bearing’s service and client-centric approach, that led to Paul becoming an employed Financial Planner and continuing his career in Financial Services.

Central to Amber River True Bearing’s approach is a deep commitment to understanding a client’s life goals and financial aspirations.

“Listening is crucial,” Paul explains. “You need to understand what your clients truly want to achieve. It’s my job to help them discover what that is – which sometimes only comes through probing questions and thoughtful dialogue.”

Only then can Paul and the Amber River True Bearing team develop a holistic plan that addresses broader life aspirations and provides a roadmap to financial security and personal fulfilment.

When asked about the people he’s worked with, and how he made a difference in their lives, Paul offers two examples:

When helping keep clients on track during times of uncertainty and market volatility, Paul draws on almost two decades of experience.

“Historical patterns show that the markets have always experienced peaks and troughs but have consistently recovered. Take, for instance, the unprecedented event of the pandemic; despite its severe impact, the markets rebounded surprisingly quickly.

“I always emphasise to clients the importance of having a well-rounded financial plan and if they stick to it, they’ll stay on track and achieve their goals. I also recommend keeping an emergency cash fund accessible. While they’ll probably never need to use it, simply knowing it’s there can provide peace of mind in times of uncertainty.”

Paul says what he enjoys most about being a financial planner is the role he plays in people’s lives during their most significant moments – which can be both happy and challenging.

Whether it’s helping a couple in achieving their dream home or supporting a recently bereaved widow overwhelmed by the complexities of probate, Paul feels his role is crucial in guiding and advising them on the best path forward.

As he says: “Being in such a privileged position to guide and assist others during significant life events comes with considerable responsibility, but it makes the job of financial planning very special.”

When not at work, Paul relishes his time with his wife in the Ribble Valley in the picturesque heart of Lancashire. Both are enthusiastic walkers who enjoy exploring both the local countryside and the stunning landscapes of the North East coast. Although football is no longer a primary focus, he still enjoys running to stay fit and maintain a healthy mind.

Paul’s love for music continues to evolve through live musical events and an ever-expanding vinyl collection, with Radiohead’s OK Computer being the latest addition.

And family time is also precious to Paul. He and his wife are devoted grandparents to a lively four-year-old, and parents to three adult children.

NOTE: Any examples given in the article should not be construed as advice for investment in any product or security mentioned, an offer to buy or sell investments mentioned, or a solicitation to purchase securities in any company or investment product.