Our Team

Wayne is the founder of Two10 Investment Services and plays a key role in shaping its strategic direction. As a board member, he is actively involved in key decision-making to ensure the business continues to thrive and deliver exceptional value to clients.

Background/Experience:

Wayne has over 19 years of experience running wealth management practices. He holds the level 6 Private Client Investment Advice and Management Qualification and is a Chartered Wealth Manager.

His career began in 2006, working with private clients at Edward Jones Investments Ltd, where he developed a deep understanding of wealth management. In 2010, he founded the Raymond James Ribble Valley Branch, building a successful practice that serves a wide range of clients.

Building on that success, and drawing from years of experience, Wayne established Two10 Investment Services Ltd in 2021, continuing his commitment to helping clients make the most of their financial opportunities.

Areas of Expertise at Two10

Wayne uses his business expertise to guide Two10 at a strategic level, ensuring it continuously strives to deliver great outcomes for clients while making their experience smooth and enjoyable.

He specialises in working with business owners, both personally and professionally, to help them save tax, make sure their personal and business funds are working efficiently, and ultimately stay on track to achieve their financial goals and life ambitions.

Life Outside of Work: 

Passionate about the outdoors, Wayne finds joy in exploring nature, camping under the stars, and making the most of life on the road in his campervan. Whether it’s a weekend adventure or a spontaneous getaway, he cherishes the time spent with his two daughters, creating lasting memories in the great outdoors.

Fitness is also a big part of Wayne’s life, thriving on staying active in all its forms. Whether it’s hiking, running, biking, the gym or martial arts he loves the balance of adventure and well-being.

Wayne believes that life is about experiences, and making every moment count, especially when it involves fresh air, open spaces, and the people who matter most.

Paul leads the investment team at Two10 and is repsonsible for managing clients' portfolios.

Background/Experience:

Paul is a Chartered Wealth Manager and holds a first class honours degree in Philosophy, Politics and Economics. He has 14 years of experience in investment management and research.

Areas of Expertise:

Areas of expertise include research and analysis ranging from the macroeconomic to the individual investment level. This research then feeds through to providing our clients with the high quality investment management designed to help them meet their objectives.

Life Outside of Work:

Paul is a keen golfer, skiier and likes to explore new places whenever he gets the chance.

Sarah is Chief Operating Officer at Two10 Investment Services, where she oversees the firm’s operational strategy, ensuring efficient delivery of client services and internal processes. With a solutions-focused approach, she plays a pivotal role in supporting the team and the business in achieving long-term goals.

Background/Expereince:

Sarah brings over 20 years of experience in operational leadership roles across financial services. She has a track record of building and scaling effective systems and is known for balancing strategic thinking with hands on execution, which has delivered great results.

Areas of Expertise:

Sarah focuses on operational excellence, regulatory compliance, internal systems integration, and client service delivery. She works closely with the leadership team to continuously improve service standards and optimise internal operations.

Life Outside of Work:

Sarah is married with two daughters. Outside of work, she enjoys spending time with her family and being outdoors, whether that’s walking, exploring nature, or simply enjoying fresh air and downtime together.

Connor is Head of Financial Planning at Two10 and is responsible for making sure we privide the highest quality financial planning to our clients.

Background/Experience:

Connor holds the coveted Chartered Financial Planner qualification through the Chartered Insurance Institute (CII) and a degree in mathematics. He has years of experience advising individuals and families.

Areas of Expertise:

Connor focuses on building clear, personalised strategies that support clients through retirement and beyond. His work is central to Two10’s services, supporting advisers and the team to ensure we always give the best advice.

Life Outside of Work:

Outside of work, Connor enjoys countryside walks with his wife Beth and their dog Nahla.

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Fraser advises clients on Two10 and manages client relationships. He specialises in working with successful business owners on both a business and personal level, helping them to reduce the burden of running a business, whilst working towards their personal goals.

Background/Experience:

Fraser is a chartered member of the Chartered Institute for Securities and Investments and holds the Investment Advice Diploma in financial planning and securities.

Areas of Expertise:

Cash flow planning, Investment, business investment, financial planning, tax planning.

Life Outside of Work:

Fraser is a keen skier and a qualified ski instructor. He is now also a marathon runner having completed the London Marathon in 3:19 in 2025.

Matthew is a Wealth Manager and Financial Planner. His role is to find out where you are today, where you want to be in the future, and help map out a plan to get you there.

Background/Expereince:

Matthew is qualified with the CISI’s Financial Planning and Investment Advice Diploma and became authorised in May 2018.

Areas of Expertise:

Matthew works with a variety of different private clients and business owner clients at all different stages of their financial journey. Matthew specialises in the following areas:

• Cashflow Planning
• Retirement Planning
• Pensions
• ISAs
• General Investment Accounts
• Corporate Investments (Investments within a business)

Life Outside of Work:

Outside of work, Matthew spends as much time as he can outdoors. He is a keen cyclist, competing in sportives, as well as other fitness events, including triathlons and Hyrox races. He and his girlfriend enjoy as many holidays as work allows, chasing the sun and filling up on good food.

Andrew is a Wealth Manager at our branch and looks to build a strong, lasting relationships with his clients.

Experience & Qualifications

Andrew is a Chartered Member of the Chartered Institute for Securities and Investment (CISI). He holds a Level 4 qualification in Investment Advice and soon after added Financial Planning and Advice to his diploma. This broad foundation enables Andrew to identify opportunities across a wide range of client needs, while also drawing on the collective knowledge of a multidisciplinary office. With over eight years of direct client experience, he has seen firsthand how personal circumstances can evolve and impact financial plans over time.

Area of Speciality

Andrew specialises in cashflow modelling and takes pride in his ability to help clients gain a clear, comprehensive view of their financial future. With a deep understanding of each client’s unique goals and objectives, he crafts tailored strategies that align with their personal aspirations and long-term plans. Andrew’s approach is both analytical and empathetic. He ensures that every recommendation is grounded in data, while remaining focused on what truly matters to his clients.

Having experienced a life-altering event as a teenager, Andrew understands the importance of being prepared for the unexpected. This pivotal moment in his life has shaped his commitment to helping clients navigate change with confidence and resilience. He is passionate about supporting people through all of life’s transitions, ensuring they feel secure and well-prepared for whatever comes their way.

Life Outside of Work

Outside of his professional life, Andrew is a devoted father to two energetic boys who keep him constantly on the move. A keen sports enthusiast, he enjoys playing golf during the summer months and squash in the winter. Andrew also has a creative side, brewing traditional real ale at home, sharing the fruits with family, friends, and clients alike.

Will is a Wealth Manager and Financial Planner. His role is to work with clients on a day to day basis to help them put plans in place so that they can achieve their goals in the future.

Background/Experience:

Will has worked in the industry since 2018, initially working on the investment team at Raymond James before completing CISI's Investment Advice Diploma in 2019 and becoming an adviser there in 2020. He has been working as an adviser to clients for 5 years now and has been advising for Two10 since 2022.

Areas of Expertise:

Will specialises in using cashflow planning tools to help map out clients' finances, showing them where they are at currently and what is required to meet their objectives in the future.

Life Outside of Work:

Outside of work, Will enjoys being active, playing football for Chipping FC, cycling through the summer and skiing in the winter. ​He is also a big fan of live music and enjoys going to gigs. In 2024 he became a father for the first time and as a family they enjoy doing lots of local walks and occasional trips to the lakes.

Samantha is our Client Services Manager, she is responsible for day to day account administration, office operations and for ensuring our account opening process runs accurately.

With over 19 years’ experience working in office environments, she oversees the smooth functioning of client accounts and ensures a high standard of service, acting as a key point of contact between clients and internal teams. With her operational knowledge, she has a strong focus on client satisfaction, process efficiency and high levels of accuracy.

Outside of work, Samantha is a busy mum to three children. She enjoys staying active, spending time with her family and taking regular trips to Anglesey.

James is a Senior Investment Analyst and member of the Two10 investment committee. 

Background/Experience:

James has 9 years of experience in the industry and holds the level 7 Chartered Wealth Manager qualification. He is also a Chartered Member of the Chartered Institute for Securities & Investment.

Areas of Expertise:

James specialises in Investment Management. He spends his time carefully analysing funds to be used in the model portfolios in order to achieve the best possible returns for clients.

Life Outside of Work:

James is a big sports fan and enjoys playing and watching a variety of sports, particularly golf. In the summer months you’ll often find him playing at Longridge Golf Club or out walking in the Ribble Valley with his girlfriend Emma and their dog Sammy.

Overview –

Dan is a Trainee Financial Planner at Two10 Investment Services.

Background / Experience –

Daniel began his career in the industry as an apprentice, where he learned the fundamentals while assisting and supporting advisers with their administrative tasks. He holds Level 4 CII Diploma in Regulated Financial Planning.

Areas of Expertise at Raymond James –

Dan specialises in supporting financial advisors by conducting research, preparing financial plans, managing administrative tasks, and developing efficient processes. His work helps free up advisors to focus more on client interactions and strategic planning.

Life outside of work –

Outside of work, Dan leads an active and social lifestyle. He enjoys spending time outdoors with his two Labradors, Milo and Bailey. When not out walking the dogs, he takes pleasure in cooking for family and friends.

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Overview

Josh joined Two10 as a paraplanner to pursue his passion for finance and investments.

Background/Experience

Before joining Two10, Josh spent several years in the Royal Air Force as an Electrical Engineer, working with advanced technology such as the Eurofighter Typhoon. While the role provided invaluable experience, he came to realise that engineering wasn’t his true calling. He was fortunate to discover that his real passion lies in finance and investing this led me to complete my Level 4 Diploma in Financial Advice and leave the RAF to pursue his life’s ambition.

Areas of Expertise at Two10

Josh focuses on supporting the firm’s advisors whilst he builds the technical knowledge and practical experience required to become an adviser.

He is deeply passionate about helping people take control of their financial future. He believes that, with the right guidance, anyone can achieve lasting financial success and the freedom to focus on what truly matters, without the burden of financial stress or retirement worries.

Life outside of work 

In his spare time, Josh dedicates himself to value investing, studying businesses and researching investment opportunities, drawing inspiration from his heroes Warren Buffett and Charlie Munger. He takes inspiration from a famous Charlie Munger quote - “The way to get what you want in life is to deserve it,” a philosophy he lives by. He aims to get a little smarter every day, knowing that consistent effort and integrity are the foundations of long-term success.