PEPPI APPELLA ~ DIP PFS CEMAP

Entered financial services in 1981, initially in banking, joining the life assurance industry in 1986. Joined the St. James's Place Partnership in 2004, setting up Palm Financial to provide existing and new clients with a bespoke financial planning service covering a wide range of financial matters. Whilst always preferring the role of face-to-face involvement with clients, previous roles have included a management position, as well as lecturing in the subject at Thames Valley University. Key areas of speciality include pensions, investments and mortgages. I am an accredited member of the Personal Finance Society.

GRAHAM LOWDEN

I have been providing personal and corporate clients with financial advice since 1985, originally via Barclays and in 2006 moved across to join the St. James's Place Partnership. Experience has shown me that clients need an individual solution with a focus on maintaining a long term and trusted relationship with clients, this can be judged by the fact that the majority of new clients come from referrals from existing clients. Areas of speciality include inheritance tax planning, corporate financial planning and pensions/investments.

MANDY APPELLA

Whilst not licensed to give advice, Mandy has a vast knowledge of the financial services industry gained from over 20 years working for a major bank in various roles, and time spent working for a local secondary school further honed her organisational experience. Mandy is responsible for the day-to-day procedures and running of the practice; freeing up both Peppi and Graham to focus on their key roles in meeting and advising clients.

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