Business Details
Your Trusted Financial Advisers in Spennymoor
We are a team of passionate financial experts dedicated to demystifying pensions and investments. With a focus on transparency and client empowerment, we provide impartial advice tailored to individual needs. Our approach combines technical expertise with accessible communication, ensuring clients understand complex financial concepts. Backed by decades of collective experience, we prioritise long-term relationships over short-term gains. Our services span retirement planning, estate management, and pension optimisation, all delivered with a commitment to ethical standards.We operate as an appointed representative of a fully regulated firm, maintaining rigorous compliance protocols. Client testimonials consistently highlight our ability to transform financial uncertainty into confidence. By focusing on education rather than sales, we help clients make informed decisions about their financial future. Our team's expertise extends to navigating tax implications and regulatory changes that affect personal wealth. We believe financial planning should be both empowering and stress-free, combining technical precision with human understanding.
Services
Retirement Planning
Investment Advice
Estate Planning
Frozen Pension Advice
Pension Drawdown
Wills and Trusts
Pension Review
Highlights and features
- We provide impartial advice as a whole-of-market advisory firm
- Our team holds decades of combined experience in pension management
- We offer free initial pension reviews with no obligation
- We are authorised and regulated by the Financial Conduct Authority
- We combine technical expertise with clear, jargon-free communication
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Friendly professionals
Confident in ability
Proactive service
Highly recommended
Services
Retirement Planning
We help clients create tailored retirement strategies that adapt to changing circumstances. Our approach considers current assets, desired lifestyle, and tax implications. By combining investment management with pension consolidation, we maximise retirement income potential while minimising tax liabilities. Clients receive ongoing support as their needs evolve.
Estate Planning
Our estate planning service minimises inheritance tax while ensuring assets are distributed according to client wishes. We specialise in will creation, trust establishment, and tax-efficient gifting strategies. The service includes regular reviews to reflect changing personal circumstances and tax legislation.
Pension Review
This comprehensive review evaluates existing pension arrangements for efficiency and suitability. We identify underperforming schemes, excessive fees, and consolidation opportunities. The service includes actionable recommendations tailored to individual retirement goals and risk profiles.
Investment Advice
We provide strategic investment guidance focused on long-term growth and risk management. Our approach considers clients' financial objectives, risk tolerance, and time horizons. Regular portfolio reviews ensure investments remain aligned with changing market conditions and personal circumstances.
Frozen Pension Advice
This service helps clients locate and optimise forgotten pension pots. We assess transfer options, exit fees, and consolidation benefits. Our advice considers both immediate and long-term financial implications, ensuring clients maximise the value of dormant pension arrangements.
People
Mark Abley
Founder and Owner
With over 20 years' experience in financial services, Mark established Fathom Financial to provide transparent pension advice. He specialises in retirement strategy and investment management, holding FCA-approved qualifications.
Victoria Bell
Head of Strategy
Victoria leads strategic planning with expertise in estate management and tax-efficient wealth transfer. She has developed Fathom's award-winning client education programs and holds advanced certifications in financial planning.
Gary Stewart
Wills and Trust Specialist
Gary specialises in estate planning and trust creation. With a legal background in probate law, he ensures clients' wishes are protected through legally sound documentation while minimising inheritance tax liabilities.
John Kerwin
Lead Adviser
John provides expert pension advice with particular focus on complex transfers and retirement income strategies. He holds advanced qualifications in pension taxation and investment risk management.
Matthew Grierson
Head of Operations
Matthew oversees service delivery and compliance, ensuring smooth implementation of financial strategies. With a background in financial regulation, he maintains Fathom's high standards of client service and ethical practice.
Questions
What areas do Fathom Financial serve?
We primarily serve clients across County Durham and the North East of England, with remote advisory services available nationwide.
Do you charge for initial pension reviews?
No, our initial pension reviews are completely free with no obligation to proceed with any recommendations.
How are your financial advisers qualified?
Our advisers hold FCA-approved qualifications with specialisms in pension planning, estate management, and investment strategy.
Can you help with frozen pensions?
Yes, we specialise in locating and optimising dormant pension arrangements, providing clear advice on consolidation options.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as an Appointed Representative of ValidPath Financial Limited, which is authorised and regulated by the FCA.
