Terry founded the business in 1988 and specialises in Self Administered Pension Arrangements and Inheritance Tax mitigation.

David has managed Spectrum’s mortgage division since inception and with over 30 year’s experience is recognised as one of the leading specialists in the area.

Sue is our personal taxation manager. With over 30 years relevant experience she provides a friendly bespoke service covering both compliance and planning issues for individuals and trusts.

Having had great success representing four major bank & building societies, Nigel brings more than 20 years of experience. Whilst regarding himself as a general practitioner Nigel has particular expertise in the commercial sector.

Lindsay heads up the Spectrum administration team and ensures the smooth running of the back office systems.
Following the FSA's desire for everyone involved in financial services to be appropriately qualified, Lindsay has fully embraced this concept & has passed the Certificate in Financial Administration.

Nina is a member of the Spectrum administration team with a particular responsibility for dealing with protection policies and their underwriting.

Julie is a member of the administration team with a particular responsibility for ensuring that Spectrum’s data base is kept up to date.

Val is most clients’ and contacts’ initial point of contact and is primarily responsible for Spectrum’s front of house.

Kraig is training to be an IFA & is currently studying for his Certificate in Financial Planning. Until he qualifies he will provide valuable support to the team, particularly in the area of IT.