I am a corporate and personal financial planner providing financial advice to both individuals and companies. This includes providing advice and guidance to companies on business wills, shareholder protection, key man insurance and the legal agreements required to sit alongside these types of arrangements*.

I specialise in high net worth wealth management on behalf of my clients and provide advice on mortgages, protection, pensions, investments and inheritance tax planning. I have nearly 20 years’ experience in the industry and enjoy working and helping clients achieve their financial goals by providing personal, face-to-face advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

*Legal services involve the referral to a service that is separate and distinct to those offed by St. James’s Place

Janine joined IQ in 2019 after business expansion meant an Operations role was required to support our customers. Janine spent most of her career in RBS and Natwest and has also worked for Citi Bank. Janine holds a degree in Law with Criminology and holds multiple Financial Qualifications including her CeMap and CeSRE.

Janine supports the IQ team in helping our customers and ensuring the best overall customer experience. Janine has worked in financial services for the last 12 years, undertaking many different positions and gaining a wealth of experience across the sector. For the last few years she has held a position in the Barclays Northern Ireland and Scotland leadership team and successfully managed 3 of the 9 branches located here in Northern Ireland. Throughout her career and various roles, Janine’s main passion has always been customer service. She always puts the client at the heart of everything she does.

Elizabeth has been working within the financial services sector for over 16 years. Elizabeth began her career with IQ&Co through Mortgage IQ and was based in the Bangor branch. In this role, Elizabeth gained a wealth of experience in mortgage and protection and has since moved to IQ&Co ltd as a paraplanner, supporting the team of advisers with their cases.

Elizabeth’s main duties include working alongside our team of advisers, supporting research and administration and liaising directly with clients. Elizabeth prides herself on excellent customer service and a high quality of work.

In her spare time, Elizabeth spends a lot of time with her extended family and loves walking and exploring local sights and culture.

Mark has been working within the financial services sector for over 10 years and holds an accountancy degree. Mark began his career with IQ & Co through Mortgage IQ and was based in the East Belfast branch. In this role, Mark gained a wealth of experience in Mortgages and Protection and has since moved to IQ&Co ltd as a paraplanner, supporting the team of advisers with their cases. Mark’s main duties include working alongside our team of advisers, supporting research and administration and liaising directly with clients.

CeMAP, DipFA

Diane is a Financial Planner working mainly from our Jordanstown office. She has been in the industry for nearly 20 years starting in Halifax and Santander. In her time at Mortgage IQ, she began as an Administrator then began work as a Mortgage and Protection Adviser before gaining her qualifications and becoming a Financial Planner.

With a passion for people and customer service she looks forward to meeting all clients whether new or existing where she will go the extra mile to make sure they get the best advice and service possible.

Jay joined IQ & Co in 2021 after completing the St. James’s Place Academy in Edinburgh, obtaining his Diploma in Regulated Financial Planning. The Academy is a bespoke programme to train those new to Financial planning to be fully qualified Wealth Advisers. Jay also holds a Business degree but family connections in the Financial Services Industry sparked his interest in Financial Planning.

Jay comes from an Agricultural and Agri-food background and enjoys helping individual and business clients in this sector as well as meeting the needs of all client types. Jay is passionate about customer service and giving people the highest standard of advice.

I joined IQ & Co after 30 years in the financial services industry, primarily with Nationwide Building Society. I am fully qualified in financial planning and mortgage advice as well as having several management and leadership qualifications.

I began my career in financial services after graduating from Ulster University in business and finance and held numerous roles with Nationwide from Financial Planning Manager to Branch district Manager and latterly Area Director for Northern Ireland.

Helping clients find personal financial solutions is important to me and I enjoy assisting customers with personal, face-to-face advice. I am passionate about great customer service and building long-term relationships.

CeMAP, DipFA

Heather joined Mortgage IQ in May 2014 and has over 25 years’ experience in Financial Services. She has been advising on Mortgage & Protection needs for the last 22 years and in the last year has become a qualified Financial Planner. Heather can also support with clients pension and investment needs and with corporate protection and financial planning.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

CeMAP, DipFA

Mark joined Mortgage IQ in 2017 after 3 years at Nationwide working as a personal banking manager. Mark works in our Bangor office and, after giving Mortgage and Protection advice for many years, is a qualified Financial Planner providing advice to businesses and individuals.

I joined the IQ & Co team in 2015 and work in the Holywood office as a financial adviser.

I began my career in financial services with Halifax in 1984, now bringing over 30 years’ experience in the Bancassurance industry to my role within IQ & Co. Having initially worked for a few years in various departments within Halifax gaining valuable industry experience and knowledge, I moved into the role of Halifax Mortgage Adviser. In 1998 I began to work as a Halifax Personal Financial Adviser, where the range of advice I provided included investments and pensions and I remained in this role until leaving Halifax and joining Mortgage IQ in 2015.

I hold a number of Institute of Financial Services qualifications including Diploma for Financial Advisers (DipFA) and Certificate in Mortgage Advice and Practice (CeMAP). I have a wealth of expertise and knowledge in all aspects of wealth advice and really enjoy helping customers achieve their financial objectives.

 

Owen joined Mortgage IQ in 2018 as Business support. After supporting the mortgage and protection side of the business for many years, Owen has moved to supporting pension and investment cases in our Financial Planning side of the business.

Owen is based in our Holywood office and often lends his experience to supporting newer members of the team with their training and development.

Mandy started her IQ career in the Mortgage IQ Newtownards branch and after gaining a wealth of knowledge in Mortgages and Protection moved to the IQ & Co branch in Holywood. Mandy liaises with customers and providers on a daily basis, ensuring that all queries are answered and that the customer experience is first class.

Laura has spent her entire working career with links to the financial services sector and specifically St. James’s Place, having started working as a financial services administrator in 2000 providing assistance to her father, who was a financial adviser with St. James’s Place (then J. Rothschild Assurance).

Laura’s role also extended to property sales and management within the family estate agency business, but she always had a particular interest in financial services and developed her knowledge to provide PA / Paraplanner services, dealing largely with wealth management.

In her spare time, Laura enjoys spending time with her family and helping out with events in her local community.