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 Kendell

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.


Charlotte Banks

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 seeing family.


Paul Breaks

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!


Jenny Loftus

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.


Lauren Chatterley

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.


The UK's #1 Financial Adviser 2019 & 2020. Learn more about Quilter Group >

Financial Options Group is a trading style of CJP Financial Services Limited, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. CJP Financial Services Limited is registered in England and Wales. Company number: 06060099. Registered Address : 70 Market Street, Tottington, Bury, BL8 3LJ

© The Financial Options Group