Andrew Varley

Here at Varley Financial, we recognise that financial planning is not something that was taught at school and can get pushed to the back of priority lists. It can become complex and is constantly evolving. We can provide you with a single financial relationship that will allow you to manage and build towards your priorities and financial goals. Clients are at the very core of what we do and the building-block of our service is a face-to-face financial review (in person or via video conference) and our client service charter is tailored to suit the bespoke individual needs of each of our clients. Andrew's brief back story - I grew up in Aberystwyth and then attended Swansea University in the mid 1990s. Upon graduation with a 2:1 B.Sc. I moved to London and spent 20 years working for BT. I worked in the finance function throughout that time, progressing from junior management accountant to CFO of BT Expedite and head of finance for BT Global Customer Service Operations. As a senior finance professional in this organisation I was responsible for +£500m budgets with +5,000 people on the direct payroll. I left in 2016 to spend 3 years with Colt Technologies, in a similar customer service focussed head of finance role. It was in a customer service role at BT that I recognised, clearly, that my main business motivation was to work with individual clients and SME businesses. I committed to build upon this clarity of thought and a long-held desire to run my own business to channel my passion for customer services and experience in finance towards a career change. Progress through the St. James's Place Academy and the creation of Varley Financial (originally known as Andrew Varley Financial Planning) in 2019 was the culmination of that commitment. With my customer service operations background, clients will be at the very core of what I do, with the aim of providing our clients with financial peace of mind. I have a life outside of business as well, of course. I live in the Cyncoed/Roath Park area of Cardiff with my wife and three daughters. When time allows I like to play, coach and watch sport. I have always played sport, particularly football and cricket. These days I am more likely to be found in the stands of the Principality Stadium, on the golf course, following the fortunes of Aberystwyth Town FC in the league of Wales, or watching any of my 3 daughters play netball. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. This Partner/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 at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 22/01/2026 The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. This Partner/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 at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 22/01/2026