Our Story

The Vision

In early 2001, NOW founders Andrew Morgan and Carl Hilton started to feel disillusioned while working for one of the UK’s biggest life assurance companies.

The focus for most Financial Advisers was a product and there was often little or no ongoing support offered. They believed there was a better way to do things, to provide support from first contact throughout the various life stages. They wanted to make a genuine difference using money as a tool to help people live the lives they desired. They wanted to offer a service that as clients they would demand.

NOW was the time to do things differently. On 19th August 2002, and with only 15 potential clients, NOW opened its doors to offer Life Focused Financial Planning.

Over 20 years later (including joining St James’s Place along the journey) NOW has grown, with a team of Financial Planners working alongside 950 clients, across the North West and the whole of the UK.

NOW continues to evolve. We’ve never stood still in what we do and we’re always asking ourselves what can we do better for our clients. We’re always looking for ways to improve what we do.

With Life Focused Financial Planning at our core, our purpose is simple, to improve the lives of every single one of our clients and help them live a life free from financial worry.


Phil has been advising and supporting me for many years now and well, I’m still with him and wouldn’t consider going anywhere else. I trust him implicitly, not only because he knows his financial onions without a doubt, but because he listens, takes time to understand individual needs and concerns and responds in a considered, thoughtful and thorough manner. Phil doesn’t just look at financial requirements and financial security, he takes time to fully understand the unique needs and desires of real people. That’s rare.

Michele Henshaw (Saddleworth)

Phil is a very proactive financial planner. He communicates clearly and makes sure I always understand what actions we are taking and why – but even more to the point everything is based around my future goals. I always know where I stand financially and what I need to be doing to meet those goals. At the same time, things are flexible and when life situations change, it’s never a problem to adjust accordingly. I’d highly recommend Phil if you are looking for financial planning.

Susan Witterick (Manchester)

I wanted to plan for my family’s long term financial future and was recommended Adam by a close friend. He instantly made us feel valued, fully supported, and offered advice which best suited our finances and situation. I cannot rate him, or the service, highly enough and look forward to his ongoing support.

Daniel Larkin (Bolton)


Past performance is not indicative of future performance. Fund values fluctuate and can fall as well as rise. You may get back less than you invested.

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GET A COPY OF OUR 1ST NOW BOOK! “It’s time to really live”

Packed with 300 pastimes of our existing Clients PLUS importantly top tips to help you.

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