When her entrepreneur father became an FPC client in 1992, little did seven-year-old Jo, now a mum of three, know the role his financial planning company would come to have in her life as it helped him, and then her, create and build businesses and legacies for their families.
Jo explains:
“Back in 1984, my dad Howard, along with his friend and business partner, decided to team up and start a new venture. Fast forward to 2012, and their hard work had turned that small idea into a powerhouse with a £50 million turnover, over 500 staff, and 20 bustling sites! Growing up and working in that environment gave my brother and I a rock-solid work ethic. But more than that, it taught us the importance of enjoying life and being generous to the people around us.
“FPC was a game-changer for my dad and his business partner, offering invaluable advice as they grew their company and helping them smoothly navigate their eventual exit. But FPC’s magic didn’t stop at the business; they also guided our personal financial and family planning. Thanks to their support, we’ve been able to invest wisely while still enjoying the things that matter most, especially those that bring us together as a family. Dad didn’t just build a business; he enabled the creation of a life full of adventure and cherished memories for all of us that we still enjoy today”.
Howard adds:
“FPC provided vital support throughout our journey. Their understanding of us as a company and as individuals meant that our financial planning was geared to the whole family.”
“In the early years, the focus was on pensions and tax planning, working closely with the company’s accountant’s internal teams. Pension planning was extended to staff long before it was a mandatory requirement. We embraced FPC’s Lifetime Cashflow Modelling and applied the same rigour to our personal financial planning.
“Business succession and exit planning was always the end game. When the time came to exit the business, FPC was by our side as a second set of eyes and ears, working alongside our legal and corporate finance advisers. Further investment and estate planning then followed to provide the long-term sustainable income we had worked hard to establish.”
Jo continues:
“I started working in my dad’s business at 16. I spent 11 years in the business while Dad was at the helm, and another 12 years after it was sold, as HR Director, before branching out to set up my own HR advisory and consultancy business.
“FPC has been a game-changer for me and my partner Nick, offering advice, investment support, and recommendations for our own business adventures. They’ve also supported us personally, setting up wills, ISAs for the kids, and providing regular ‘check-ins’ that give us peace of mind we’re making the right decisions both now and for our family’s future.
“Working with FPC keeps us accountable, focused, and in the loop because, let’s face it, life is busy.”
“Our relationship with FPC is more than just business—they’re actively involved in our lives and have become friends who genuinely have our best interests at heart. They’ve even helped set the budget for our wedding! We completely trust their advice and have over 30 years of proof that we’re right to do so”
Nick Evans, Head of Advice, FPC:
“Our focus is on continuing to support all generations of this family with sound investment and estate planning advice, protecting the legacy they have worked hard to build, while freeing them up to pursue new business interests, spend time together, and indulge their lifelong passions.”
