Nicola Bywater DipPFS
Nicola has been a Financial Adviser for almost 19 years.
After cashiering and providing mortgage advice to clients within the banking sector Nicola moved on to financial planning. Many of Nicola’s clients have been with her since the early days of her career because they trust her friendly, down-to-earth approach to understanding client objectives, explaining financial options and delivering appropriate solutions.
This trust has developed through the building of close personal and business relationships and by the provision of a service aimed at doing the right things for her clients.
Nicola moved to Birmingham from Barrow-in-Furness in 1996 when she worked for The Bradford & Bingley and other larger financial planning firms before joining English Mutual 10 years ago. She joined English Mutual with her husband Richard Bywater where they established a highly successful business in Sutton Coldfield, Birmingham and the surrounding areas.
The success of their business was due to the integrity, ethics and passion Nicola & Richard have in looking after and providing financial advice to their clients and professional connections.
Nicola and Richard wanted to continue building their business in keeping with their values and desire of continuing to provide advice focusing on an ongoing personal service tailored to each client based on their individual objectives and needs and so it was a natural fit to join Bespoke-Advice Limited when English Mutual rebranded as Sanlam.
Nicola is qualified to Diploma Level (with the Chartered Insurance Institute & Personal Finance Society) and is currently on track to becoming a Chartered Financial Planner.
She is qualified to provide investment, pension and protection advice and specialises in advice in relation to investments and inheritance tax planning and care fees planning.
Nicola carefully guides and helps many clients and their families through the complex and emotional subject of establishing care packages which are relevant to individual clients needs to ensure that their needs are met both now and in the long term in line with clients specific objectives.
Nicola and Richard live in Sutton Coldfield with their two sons.