Andrew Winstanley

Founder and Chartered Financial Planner
0161 529 7367

Chartered Financial Planner

This shows that Andrew has achieved Chartered status through the Chartered Insurance Institute, a mark of professional expertise, rigorous training and ongoing commitment to high standards in financial planning. It reflects knowledge, experience and dedication to delivering advice you can trust.

SOLLA

This demonstrates membership in the Society of Later Life Advisers. Andrew meets specialist standards for advising clients on retirement, pensions and later-life planning, showing he has the knowledge and skills to support complex financial decisions with care and professionalism.
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Qualifications

Qualifications

  • Advanced Diploma in Financial Planning

    This qualification enables professional advisers to develop specialist planning capabilities, covering topics such as personal tax and trust, business financial, pension and investment planning.

  • Diploma in Regulated Financial Planning

    This meets the FCA’s qualification requirements for retail investment advisers and helps candidates to develop core technical knowledge and financial planning capabilities.

  • Certificate in Equity Release

    This meets the FCA’s requirement for mortgage advisers and those advising on equity release schemes. In addition to developing advisory skills, the Certificate offers an understanding of equity release regulation, products, market practice and customer needs.

  • Certificate in Discretionary Investment Management

    The RQF Level 4 Certificate in Discretionary Investment Management develops the wealth strategy and portfolio management skills required for effective discretionary investment management. The qualification satisfies the FCA appropriate qualification requirements for this class of business.

  • Certificate in Advanced Mortgage Advice

    This qualification develops advanced knowledge of the mortgage market, focusing on complex client needs and specialist lending. It enhances advisers’ ability to provide suitable, ethical and compliant mortgage advice.

  • AF1 Personal Tax and Trust Planning

    This examination assesses the candidate’s ability to develop in-depth financial planning skills related to personal tax and trusts.

  • AF4 Investment Planning

    This examination assesses the candidate’s ability to develop in-depth financial planning skills related to investments and the management of investment portfolios.

  • AF5 Financial Planning Process

    This examination assesses the candidate’s ability to develop an understanding of the financial planning process when giving advice to clients.

  • AF8 Retirement Income Planning

    This unit develops and demonstrates the advanced skills needed for advising on income planning to those in and approaching retirement.

  • J10 Discretionary Investment Management

    At the end of this unit, candidates should be able to analyse and apply financial information and portfolio management skills.

  • R01 Financial Services, Regulation and Ethics

    This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

  • R02 Investment Principles and Risk

    This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

  • R03 Personal Taxation

    This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

  • R04 Pensions and Retirement Planning

    This qualification assesses a knowledge and understanding of and ability to analyse pension and retirement planning issues.

  • R06 Financial Planning Practice

    This qualification helps advisers develop and demonstrate their financial planning capabilities.

  • CF1 UK Financial Services, Regulation and Ethics

    This qualification develops an understanding of the financial services industry, including regulation and legislation.

  • CF6 Mortgage Advice

    This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

  • CF8 Certificate in Financial Planning and Long-Term Care Insurance

    This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long-term care insurance products and the giving of long-term care insurance advice.

  • ER1 Equity Release

    This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

  • R05 Financial Protection

    This qualification assesses a knowledge and understanding of and ability to analyse financial protection planning issues.
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Andrew is a Chartered financial planner with more than 20 years’ experience spanning major banks and independent advice firms.

In his day-to-day role, he works closely with clients approaching or entering retirement, specialising in retirement planning, pensions, investments and estate planning.

Accredited by the Chartered Insurance Institute, the Personal Finance Society and the Society of Later Life Advisers, Andrew maintains professional standards and keeps his expertise current, so clients can feel well supported in their financial decisions.

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When he’s not with clients, Andrew is often out running, hiking local hills or watching his children’s football matches.

Weekends tend to revolve around fresh air, family time and good food, with Anglesey a favourite for family getaways (in spite of the rain!).

Sense Network

Being part of the Sense Network connects Andrew to a community of trusted, independent financial advisers. This gives clients access to additional expertise and resources while supporting robust, professional advice and providing reassurance that guidance is informed by a wider network of experienced practitioners.

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    Registered office address: Cheadle Place, Stockport Road, Cheadle, SK8 2JX. Registered  in England and Wales under reference 13091488.

    Sustainable Financial Planning Ltd is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority (FCA).

    You can check our status on the Financial Conduct Authority’s ‘Firm Checker’ register. Our regulatory reference is 946455.

    The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

    The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

     

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