0330 038 8942
Based in Cramlington
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FCA status: Certified by Firm
John is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed John's status
Last checked: 14 July 2025
John is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed John's status
9
Recent Client Reviews
John has received 9 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
John has received 9 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 15 May 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
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John has not yet added their qualifications to their profile
Transparent Fees
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John has not yet added their fees to their profile
Checks carried out by VouchedFor
FCA status: Certified by Firm
John is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed John's status
Last checked: 14 July 2025
John is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed John's status
9
Recent Client Reviews
John has received 9 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
John has received 9 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 15 May 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
John has not yet added their qualifications to their profile
Qualifications not yet added
John has not yet added their qualifications to their profile
Transparent Fees
John has not yet added their fees to their profile
Fees not yet added
John has not yet added their fees to their profile
John joined Perspective in May 2023 when Brighter Financial Services joined the Group as Perspective (Brighter). John has been with HSBC for almost eight years, firstly working as a mortgage associate, then as a mortgage adviser for First Direct for 2 years and then in sales quality checking mortgages and protection for almost 4 years. He studied for DipPFS before he joined Brighter in Nov 2020 as a trainee independent financial adviser (IFA) and mortgage/insurance broker before he became a full-time independent financial adviser (IFA) in 2022. As an IFA he reviews pensions, investments, insurance, and estate planning for personal and commercial clients. He finds financial matters interesting because it’s very much like working out a puzzle, with the outcome of helping clients achieve their financial goals. He enjoys dealing with all types of clients, no day is ever the same. Helping clients arrange their affairs to give them more opportunities in life is very rewarding.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
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