MEET THE TEAM
Providing the best service & ongoing support
At The Financial Options Group, our emphasis is firmly on offering straight talking and practical advice, which guides our clients through the complex financial landscape.
Meet the team that are passionate about providing the very best service
We believe that an engaged team is vital to delivering the very best service and ongoing support to our clients. We offer continuous career development and encourage our advisers, paraplanners and administrative staff to pursue certification from the industry’s most respected providers.
We’re the sort of people who put our all into what we do – no matter the task at hand – from connecting with clients to acquiring specialist accreditations to completing a 37km charity hike across the Three Peaks!
Christian J Pepper
Christian is the founder of the Financial Options Group and possesses more than 25 years’ experience in financial services. He has worked with numerous individuals and companies to create bespoke strategies for building significant wealth, helping them to achieve their financial goals and aspirations. Also a prolific investor in local property, Christian has built a number of multi-million pound property portfolios. In 2018, Christian set up the Financial Options Charitable Foundation with the aim of making a lasting difference to the lives of local people in need. Through the Foundation, Christian and his team provide ongoing support for many local charities and organisations.
An avid golfer, Christian enjoys hiking, fishing, and connecting with friends and family.
Sarah plays an instrumental role in business strategy and management of the firm while providing expert advice to individual and corporate clients. Sarah’s leadership approach is underpinned by
her commitment to ensuring the firm’s values of client care and community are embodied
throughout the business. Sarah takes the lead on event organisation and fundraising for the
Financial Options Group Charitable Foundation. She holds an Advanced Diploma in Financial
Advice, Chartered Status and Later Life Adviser Accreditation. She was shortlisted for the Financial Adviser of the Year North award in 2020.
Spending time with her little boy Toby, walking their dog Murphy up Holcombe Hill and socialising and shopping with friends are Sarah’s favourite pastimes.
CHARTERED FINANCIAL ADVISER &
DIRECTOR OF CHARITABLE FOUNDATION
Charlotte plays a vital role as our HR lead. She oversees workflow, facilitates training and manages
our team of administrators, ensuring staff perform their roles consistently and efficiently. In addition to handling regulation and compliance matters, she is responsible for external relationship management and liaises with stakeholders and providers to build strong, ongoing relationships
for the future. Charlotte holds a CII Certificate in Financial Planning and CII Award in Financial Administration (Pensions). She also facilitates ongoing communication with FOG Charitable Foundation charity partners.
Away from work, Charlotte’s love of films and dining out comes second only to spending time with fiancé Tom and going on holidays.
DIRECTOR OF PEOPLE & DEVELOPMENT
Robert is among the region's best-known and most experienced bankers, with a proven 46-year track record for growth and success in the banking and financial services sectors. He has spent more than four decades in senior managerial roles for RBS and Svenska Handelsbanken, including more than 30 years with RBS where for a spell he served as one of its business development directors. Following this he took on the role of Individual Business Manager at Svenska Handelsbanken, where he worked for another 14 years. Robert’s standing within the North West business community and his extensive expertise enable him to provide the very best service possible to private and corporate clients alike.
Robert's favourite pastimes are country walks with his dog, going on holidays and he loves practicing his culinary skills. He also enjoys socialising and entertaining friends and family.
DIRECTOR OF BUSINESS DEVELOPMENT
Paul joined the firm after a spell in partnership and an extensive career with two major insurers.
He is passionate about giving his clients greater control over their lives by helping them make better financial decisions and credits a healthy dose of enthusiasm as the secret to his success. In 2019,
Paul raised over £7,000 for local causes when he completed the Marathon des Sables in Morocco.
He was ‘highly commended’ in the Outstanding Charity Support category of the North West Charity Awards later that year.
Paul enjoys playing squash, spending time with family and supporting the world-renowned ‘reds’. That’s right, Accrington Stanley!
& DIRECTOR OF WEALTH MANAGEMENT
Jenny brings 15 years’ experience to her role at the Financial Options Group. She has worn many hats within the firm, joining as a personal assistant before progressing to become a paraplanner and later a financial adviser. She received her Level 4 Diploma and Certificate in Mortgage and Advice Practice in 2018 and has spearheaded the rollout of the firm’s new family office service as a key point of contact for the firm’s high net-worth clients.
When she’s not in the office, Jenny loves to travel. She is married and her pastimes include photography, long walks and dining out.
FINANCIAL ADVISER &
DIRECTOR OF FINANCIAL PLANNING
Lauren brings 12 years’ financial services experience to her role, having previously worked as a paraplanner and for a pensions review company. She plays a vital role as the firm’s client services lead and is responsible for workflow, training and liaising with external stakeholders. Lauren provides excellent customer service and is always willing to lend a hand. She has completed her RO1, FA2 and JO7 CII exams and attained the CII Award for Financial Administration (Pensions); she is currently studying towards the RO3 tax planning exam.
At the weekends, Lauren enjoys going to the gym and meals out with her partner and stepdaughter.
DIRECTOR OF CLIENT SERVICES
Tony Marshall is a chartered accountant and chartered tax advisor whose early career steps included a trainee role at a provincial firm of chartered accountants in Bolton followed by a spell at KPMG. In 1998 Tony became qualified as a chartered accountant and worked for a series of independent firms in Manchester city centre before becoming a specialist in taxation. He was admitted as a member of the Chartered Institute of Taxation in 1994 and the following year established his own chartered accountancy practice based in Bury. Now in its 25th year, Anthony Marshall Chartered Accountants is a well-respected firm, with over 600 clients operating in virtually every sector of the UK economy.
In Tony's spare time he plays 5 a side football, squash and enjoys going for country walks. He also loves holidays and tries to get away as often as he can.
DIRECTOR OF FINANCE
Michael is the owner-director of Coaty Developments Limited which he founded in 2010 following the sale of his financial services business, Rossendales Limited. For more than two decades, Michael was the driving force behind Rossendales Limited, a provider of financial services to local authorities. Joining the business in 1986, he was appointed to its Board in 1989, and became the company’s sole owner a decade later. In 2007, Michael sold Rossendales having significantly increased its list of clients and number of staff. As a property developer, Michael specialises in purchasing poorly maintained properties which are then fully refurbished and sold on or rented. His current portfolio comprises domestic and commercial properties concentrated in the Bury, Ramsbottom and Rossendale areas.
When he's not working, Michael is a life-long Manchester United fan. He also enjoys walking, fishing and travelling when he can.
DIRECTOR OF BUSINESS STRATEGY
Lauren joined the Financial Options Group straight out of university in 2015. She has since gained
her Diploma in Financial Advice and her Certificate in Mortgage and Advice Practice. A great believer in the importance of relationship-building, Lauren takes an empathetic and professional approach to meeting her clients’ financial planning needs. In a dual role, Lauren also works alongside Financial Options Group CEO Christian Pepper as a key contact for high net-worth clients.
Lauren enjoys socialising with friends and taking long walks with her fiancé Grant.
A specialist in investments and business protection, Rob has nearly a decade of experience in financial services and has spent eight years giving face-to-face advice. Part of the Financial Options Group team since 2017, Rob has an affable demeanour that sets his clients at ease. As a fully
qualified adviser, Rob holds the Level 4 Diploma in Financial Planning. He is passionate about
helping clients meet their short- and long-term financial objectives.
Rob is a trustee of Burnley-based charity Furniture for Education Worldwide and loves to travel whenever he can. He and fiancée Laura welcomed baby boy Louie into the world in 2019, and Rob can’t wait to take his son to see Blackburn Rovers FC.
With more than 20 years’ experience in the financial services industry, Brian is a specialist in all areas of protection and mortgage advice. Having gained expertise over seven years at ethical finance society Friends Life, Brian joined the Financial Options Group in 2018. Brian is committed to helping first-time buyers to find suitable mortgages, and helping those who already have a mortgage save more money. He has a passion for Buy to Let investment and enjoys working with clients to
build their portfolios in line with their objectives.
Brian enjoys spending time with his young daughter, family meals out and walks in the park.
MORTGAGE & PROTECTION ADVISER
Joining the firm more than two years ago, Melissa works as an assistant to our Group CEO, Christian Pepper. She benefits from wide-ranging experience, which she has garnered through administrative roles in diverse industries. With a creative eye and excellent attention to detail, Melissa also handles property management and interior design for property companies which are based in Stoneholme and owned solely or in partnership by Christian.
In addition to spending time with her daughter, Melissa has several pastimes including baking, photography and going on scenic walks.
PERSONAL ASSISTANT TO GROUP CEO
Chris joined the Financial Options Group in 2018. His previous financial services roles include eight years spent in Client Support at Chase de Vere. Bringing energy, commitment and attention to detail to the role of Client Services Executive, Chris has completed the Diploma for Financial Advisers and the Certificate in Mortgage Advice and Practice through Quilter’s Financial Adviser School. Chris’s next step is to become a fully qualified financial adviser within the next 12 months.
Chris is an avid Manchester United fan who enjoys travelling, playing football and going to the gym.
CLIENT SERVICES EXECUTIVE
With experience in legal administration at well-known firm DWF, Phil brings a wealth of valuable experience to the Financial Adviser role at the Financial Options Group. In 2020 Phil attained the Diploma for Financial Advisers and the Certificate in Mortgage Advice and Practice. He has recently taken the next step to become a fully qualified financial adviser. He holds a Master’s degree in Politics and Social Policy, which he applies to his work in the financial services industry.
In his free time, Phil enjoys playing basketball and currently plays for the Bury Mavericks. He also enjoys baking, keeping up with current affairs and politics as well as playing strategy-based computer games.
A high achiever driven to deliver outstanding results, Amy is committed to putting her clients’ needs first and supporting her colleagues. Having previously worked for a Small Self-Administered Scheme (SSAS) pension provider, Amy holds a BSc (Hons) in International Business Management and has completed the Diploma for Financial Advisers and Certificate in Mortgage Advice and Practice at Quilter’s Financial Adviser School. She is enthusiastic about taking the next step in her financial services career, and aims to become a fully qualified financial adviser in the next 12 months.
In her free time, Amy likes going to the gym and walking her dog. She also enjoys spending time with her young niece and nephews.
CLIENT SERVICES EXECUTIVE
Danielle first joined the sector in 2017 as a Financial Planning Administrator before joining the Financial Options at the start of 2020. She benefits from excellent people skills and the ability to
think on her feet – skills which she honed as a Cash Office Manager in the tourism industry. Danielle
is passionate about delivering five star service at each point of contact with clients, exemplifying
the high value placed on client relationships across the firm.
Danielle loves spending time with family, friends and her partner. You can find her supporting the Salford Red Devils on a typical Saturday afternoon.
CLIENT SERVICES EXECUTIVE
Grace joined the Financial Options Group team in 2020 after completing her Training Contract at a Top 200 law firm in Manchester where she qualified as a solicitor. She has legal experience in tax, trusts and estate planning and has chosen to progress her career in financial services as she enjoys planning for clients’ futures, thinking critically to achieve innovative solutions, and finding the best way forward when challenges arise.
In her free time Grace enjoys meeting up with friends and family for dinner and drinks.
CLIENT SERVICES EXECUTIVE
Magda leans on her experience working in hospitals and private homes, and a spell as a care assistant for adults with mobility difficulties, to keep our offices in good order. With an eye for detail and a passion for precision, Magda has the very highest standards when it comes to keeping a clean and hygienic office setting. She works hard to provide a safe and welcoming environment for our team and for visiting clients and partners.
Magda loves to nurture her son’s curiosity through museum visits, science experiments and nature walks. A science fiction lover, Magda also enjoys cooking, attending concerts and having a good catch-up with friends.