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’s advice has been sound and reassuring. He explained clearly in Laymans terms our finances and how they are performing. Overall service has been excellent and I would not hesitate to recommend him and his team to anyone.

N.Mildenstein (Altrincham)

My experience with NOW has been excellent and I would not hesitate to recommend.
We used NOW when buying our first house and when recently moving – we were beginners but Karen explained everything clearly including the step-by-step to buying a house which really set our minds at ease, explaining the different mortgage and protection options, helping us make an educated decision that was right for us.
When I became self-employed I needed to take care of my pension myself and was delighted to have Adam to guide me through it. Pensions can seem intimidating but he explains everything so well and there is no such thing as a stupid question!

Matthew Ashford (Crewe)

Since starting to work with Phil almost a year ago, I have found him to be extremely knowledgeable, professional and courteous. He places great importance on understanding a client’s individual situation and advising accordingly on the best course of action, taking into account both financial and life goals.
He is proactive in making contact and suggesting solutions, and efficient in giving timely responses to queries. All this is delivered in a warm, friendly and understanding way.
It is a real pleasure to work with Phil and I would not hesitate to recommend him to others. Thank you Phil!

Teresa Marshall (Surrey)
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