We are fortunate to have a fantastic team at Hammond Raggett who are passionate about what we do and who always put the needs of our clients first.
We encourage our clients to engage with our team at all levels and not just with their adviser.
Contact our team on 0161 834 2222
Stephen is our Managing Director and principal shareholder. He has over 30 years’ experience working with individual and corporate clients. When not looking after key clients, Stephen is responsible for the overall strategy and direction of our business and spends a considerable part of his time supporting the other members of the Advisory Team.
BA(Hons) Law, M. Phil (Econ), FCII, FPMI, Dip PFS Non-Executive Director
Bernard graduated in Law in Manchester and went on to undertake research to complete a Master of Philosophy degree in Economics. He is a Fellow of the Chartered Insurance Institute, a Fellow of the Pensions Management Institute, holds the Diploma of the Personal Finance Society and is a Chartered Insurance Practitioner. He was a winner of the prestigious Rutter Gold Medal award from the Chartered Insurance Institute. Following his retirement from day to day work, Bernard retains a shareholding in our business, and acts as a non-executive director providing valuable advice to the management team.
DipPFS Compliance & Operations Director
Charlene is the Compliance and Operations Director who has spent over 15 years working in the financial services profession. She oversees all operational aspects of company strategy, helps set strategic goals, and is responsible for the flow of operations information to the Managing Director and the Shareholders. In 2022 she was authorised by the FCA for all aspects of compliance within the business. She holds the Diploma in Financial Services and became a shareholder in 2019.
FPFS, Cert CII (FS), Chartered Financial Planner
Stella is one of our senior advisers, she is both a Chartered Financial Planner and a Fellow of the Personal Finance Society who has spent over 30 years working in the financial services profession. Stella works with both Private and Corporate clients to help them achieve their goals and objectives throughout life. This includes pre and post-retirement planning, investment advice, inheritance tax planning, and family and business protection as well as advising companies on their pension obligations.
Stella is a shareholder in our business.
Richard is one of our senior Financial Planners, having considerable experience advising individual and corporate clients. His work is very varied, including saving for retirement and the whole post-retirement options, investment planning, and financial protection for individuals. In the corporate sphere, he works with owner-managers on issues such as key person and shareholder protection and is very familiar with helping employers meet their Auto Enrolment obligations.
Richard is a shareholder in our business.
Gareth has over 20 years’ experience working in the financial services profession and more than 10 years as a financial planner. His work is varied, and he predominantly advises individuals on their pension savings, investments and protection needs. He is experienced in the post retirement planning market and is able to advise on the full range of flexible options and has worked closely with a number of large corporate clients on their employee benefits and corporate pension arrangements.
Gareth is a shareholder in our business.
Hannah is an experienced Financial Planner. She works with Private clients to help them achieve their financial goals, advising on Investments, Protection needs, long term Savings and planning towards Retirement. Hannah has particular experience working with those in the medical profession, having previously focused on the NHS Pension Scheme and its tax benefits.
BA (Hons), APFS, Chartered Financial Planner
Brian achieved a First-Class Honours Degree in Financial Services from Manchester Metropolitan University before joining us in 2017. He has held various roles with our business since then whilst continuing his studies. Having qualified as a Chartered Finacial Planner he joined the advisory team in 2022 and now advises on a wide range of areas including investment and pension planning, personal and business protection.
Carl joined us in 2022 and has spent over 21 years working in the Financial Services Profession. He has worked his way up to being a Chartered Financial Planner and Fellow of the Personal Finance Society as well as a Chartered Fellow (Financial Planning) of the Chartered Institute of Securities and Investments. Carl is also an Affiliate member of the Society of Trusts and Estate Practitioners (STEP).
Carl works mainly with private individuals helping them initially to set their aims and objectives throughout their life, and then work with them to continually review and adjust as circumstances change.
This includes Cashflow forecasting, planning for the worst (using protection policies like health, income or life cover) pre and post retirement planning, investment advice. Carl is also experienced in advising Family Businesses, including the use of pensions to assist the business; use of trusts and inheritance tax planning.
Karen joined Hammond Raggett in 2025 to transform operations and drive excellence across the business. With extensive experience leading large-scale functions in banking and insurance, she is passionate about delivering outstanding results for clients while cultivating a high-performing, engaged team culture. Karen prioritises efficiency, collaboration, and continuous improvement, ensuring both clients and colleagues remain at the heart of every decision.
Denise is a key part of our business having worked here for over 30 years, during which time she has built up considerable knowledge and practical experience in how to look after our client’s needs. Denise is currently studying towards her Diploma in Regulated Financial Planning.
Charlotte joined us in 2010, from a major UK Life and Pensions provider. She was promoted to Adviser Support Manager in 2022.
Nicola has worked within the financial services industry since 1994 and therefore brings considerable experience to her role as a leader of the Client Review Team. She is intimately involved in the client portfolio review process and supports the other members of the review team to ensure we deliver the ongoing service we promise. In addition, Nicola has an excellent understanding of employee benefits and takes lead on the implimentation of new schemes and reviewing existing arrangements for our clients on a regular basis.
Call one of the Hammond Raggett and Company team on 0161 834 2222 to discuss how we can help you, or press the button below to be directed to our contact form.
Contact UsWe value long term relationships with our clients; but what do our clients say about us?
We cannot speak highly enough of the quality of advice and personal service that we have experienced from Stephen. He is professional, thoughtful, understanding and will always go out of his way to ensure his clients are both happy and confident in their decision making.
Our journey has now taken us into retirement and we continue to work closely with Stephen and the team at Hammond Raggett in the knowledge that the planning and investment for retirement continues to receive the same high standard of personal attention.”
Alan and Gail Clifford
