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.


Ceri has been central to helping us build a clear financial plan for our family. She has given us clarity, security and achievable goals – we now have a vision for our financial future. Ceri makes financial thinking straightforward (and fun)! It’s such a relief to know that she has a central view on our family’s financial position and can help us make decisions to ensure our security.

Non Wood (Company Director)

I was introduced to Karen, a mortgage adviser, who helped me secure a mortgage on my family home following my divorce. Karen was supportive and professional. We talked about my long term plans and the fact I would be selling my house once my daughter finished her A-levels. Once I sold my property, Karen introduced me to Adam a financial advisor, together they both helped me plan for my future.

Michele Pritz (Hale)

Phil has provided me with wonderful advice and support which enabled me to take early retirement. Our review meetings are everything you would expect and more, structured, focused, supportive and friendly. I certainly would not hesitate to recommend Phil and the team to anyone.

Janet Cardno (Preston)
Book on offer

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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