Our People

Since 2011, Camargue Chambers LLP has been entrusted to look after the investment, pension, protection, mortgage and estate planning requirements of more than 8,000 personal and professional clients throughout the UK. We are part of Quilter PLC, a leading provider of advice, investments and wealth management both in the UK and internationally. Together, quality financial advice means more to us than just helping you with tricky questions about your money. It is a long-term relationship built on mutual respect and trust.

We know first-hand that circumstances change over time and it is important to ensure that your financial reality is reviewed on an ongoing basis. All our financial advisers are Level 4 qualified with a combination of expert technical knowledge, product awareness, and industry experience. Backed by the Quilter brand -- FTAdviser’s Annual Top 100 Financial Advisers List 2019 -- we offer our clients the stability, security, and flexibility to manage their finances with confidence.

In partnership with the Quilter Financial Adviser School, we are also training a new generation of financial advisers. They are a trusted partner of The London Institute of Banking & Finance (LIBF), one of the top providers of professional and academic financial services qualifications, so our candidates will have plenty of opportunities for a career, not just a qualification.

Meet our team below and see how our family of advisers and administrators can help you take your next steps toward a more secure financial future. For further contact details please see our "Contact Us" page. 


Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

Richard Pepall
Richard Pepall, Senior Partner and Financial Adviser
Tel. 08450 514 964
Email. richard.pepallcamarguechambers.com
Richard is the oldest member of the Camargue team. He started his career in 1976 at the age of 26. Very much a 'general practitioner,' Richard advises clients in all area of their financial planning. As he and his clients have grown older together, he has also developed a wide knowledge of Inheritance Tax Planning. Within Camargue, colleagues often seek to utilise Richard's expertise in this critical area.

Married with 2 daughters and 3 grandchildren, Richard lives and works in the Cheshire village of Pickmere. He is a keen private pilot and horse rider, and an active member of the village Parish Council.

Andrew Jarvis
Andrew Jarvis, Financial Adviser
Tel. 03000 30 99 01
Mobile. 07976 827652
Email. andrew.jarviscamarguechambers.com
Andrew is fully qualified across all advice areas. He specialises in mortgages, yet has significant experience in pensions and investments. Since joining the industry as a graduate in 1988, Andrew has completed an MBA at Manchester Business School. Andrew has built his client base advising both corporate and personal clients, and adopts a holistic approach to financial planning with an emphasis on understanding the client's needs.

Andrew graduated in Italian, German and Politics from Sheffield Hallam in 1986. A keen sportsman, Andrew lives in the Cheshire village of Prestbury and enjoys cycling, cricket, and golf. Andrew is married to Jo and has two children.

Ian Hulmes
Ian Hulmes, Financial Adviser
Tel. 03000 30 99 01
Email. ian.hulmescamarguechambers.com
Ian started his career in 1989 as a financial adviser with Refuge Assurance before joining Royal London Insurance in 1991 where he was involved in more complex financial advice.

In 2003, Ian joined HBOS in the bancassurance marketplace and enjoyed a further 9 years helping customers to save money, increase profits, avoid tax, and protect their assets and family. Since then Ian has worked as a Planner Manager at Nationwide Building Society and has now joined Camargue Chambers LLP.

Brian Ashton
Brian Ashton, Financial Adviser
Tel. 03000 30 99 01
Email. brian.ashtoncamarguechambers.com
Brian has been in the financial services industry for 27 years and prides himself on providing excellent ongoing service to his clients.

He is often recommended by his clients to their friends, family and work colleagues due to the excellent service that he provides. Brian covers the whole spectrum of financial advice and offers his clients a free, no-obligation first meeting which is based on getting to know each other and discussing their aspirations and needs.

Brian can be often seen riding his bike around the country lanes near his home to keep himself fit, tending to his garden, and enjoying the company of his wife, Jeannette.

Tom Heaword
Tom Heaword, Financial Adviser
Tel. 03000 30 99 01
Mobile. 07969 748921
Email. tom.heawordcamarguechambers.com
After graduating from the University of Leeds with a degree in Business Management in 2012, Tom joined Goldman Sachs as an operations analyst where he began his career in Financial Services. More recently, Tom has moved away from investment banking and in to the world of Financial Advice. Tom is now a fully qualified Financial Adviser. Tom enjoys using his knowledge to have a positive impact on the financial well-being of all his clients.

In his spare time Tom can be found cycling his road bike around Cheshire's country lanes, or maybe further afield if he is feeling particularly fit or is training for a sportive or race!

Susan Goodwin Cert CII, FPFS Chartered Financial Planner, Technical Services Manager
Tel. 03000 30 99 01
Email. susan.goodwincamarguechambers.com
Susan is a Chartered Financial Planner and a member of the Chartered Institute of Insurance Fellowship. She has worked in Financial Services for over 20 years as an Administrator, Underwriter, Financial Adviser, Paraplanner, Compliance Officer and Technical Support before joining Camargue Chambers as Technical Services Manager in April 2014.

Susan keeps herself up to date with current legislation and technical issues. She works with the upmost professionalism and respect for the people that she works for and with, and provides valuable administrative and full technical assistance and training to all her colleagues in the firm.

Lizzie Burgess
Lizzie Burgess, Financial Administrator
Tel. 03000 30 99 01
Email. lizzie.burgesscamarguechambers.com
Lizzie first began her career in Financial Administration in 2018, previously working within the childcare industry as a nursery nurse and nanny, and holds a Level 3 certification in the Children and Young Peoples Workforce.

In her spare time, Lizzie enjoys spending time with her friends or forever-growing family. She particularly loves to bake and go on the occasional secret shopping trip.

Nicole Clitheroe
Nicole Clitheroe, Executive Assistant
Tel. 03000 30 99 01
Email. nicole.clitheroecamarguechambers.com
After moving to the United Kingdom in 2013, Nicole opted for a career change to financial services which she has thoroughly come to embrace. Her previous pension experience working at Royal London and former role as relationship manager at a boutique investment platform have laid a solid foundation for her to build her career. Now studying for her DipFA qualifications, she is ready to use her industry knowledge to explore the advisory side of financial services.

Before she had a toddler, Nicole enjoyed golf, baking and travelling, but now settles for an uninterrupted hour of Netflix.


Joe Heaword
Joe Heaword, Technical Services Assistant
Tel. 03000 309901
Email. joe.heawordcamarguechambers.com
Joe began his career in financial services in 2016 and joined Camargue in August 2020. He holds the CII Level 4 Diploma in Regulated Financial Planning and hopes to provide value and expertise for clients as a Financial Adviser in the near future. Currently, as a Technical Services Assistant, Joe’s role is to aid advisers with the preparation of their advice, reports and also their administration.

Joe is an avid Manchester United supporter and likes to keep fit via going to the gym and the occasional round of golf.

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