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Malcolm Stalker – Partner
“We allow people to have the confidence to stop worrying about their money.”
One of your biggest concerns in life is likely to be your financial wellbeing. Whether this is regarding long-term retirement planning, investments, or relating to your immediate circumstances, these concerns consume a great deal of your time and energy.
My job as a financial adviser is to understand your financial goals and earn your trust, so that I can provide you with financial coaching. Ultimately, the advice I provide is not about me – it is about helping you to develop an educated and worry-free relationship with your money.
I provide advice and guidance on a wide range of financial planning areas, to help you achieve your own specific financial needs and ambitions, including:
- financial planning – I will use cash flow modelling, where appropriate, to help make sure your actions today lead to you having the life you want now, and in the future;
- pension planning for retirement – to help you achieve the lifestyle you want in retirement;
- pension options at retirement – to guide you through what choices you may have and what might be best for you;
- saving and investments – to help make sure your money is working harder for you;
- trust and estate planning – to help preserve and protect your wealth for future generations;
- business solutions (if applicable) – to guide you and your business towards achieving your objectives; and
- employee benefits (if applicable) – helping plan and deliver a scheme to add value and increase wellbeing across your business.
You can contact me for an initial meeting at no cost to you, by calling 0777 565 1046 or emailing firstname.lastname@example.org.
I was voted one of VouchedFor’s UK Top Rated Financial Advisers; this aims to highlight those financial advisers who are consistently doing an excellent job for their clients.
The Financial Conduct Authority does not regulate taxation and trust advice. The value of your investment can go down as well as up and you may not get back the full amount invested.
- How I work
I work on the basis that people need to like each other and that you need to make a connection with people to work well together.
Financial advice is, at its heart, a coaching position. As such, my role is to help and guide you in achieving your financial goals.
Many of the clients I work with have been with me for a very long time. I like to build lasting, long-term relationships, sometimes even from generation to generation within families.
I have an excellent and experienced team around me who have their unique abilities and roles in the process. In our team the emphasis is on what ‘we’ do to help our clients; it is not only about ‘me’.
We prioritise building trust and allowing you to enjoy a relationship with money which is free from worry.
- How I can help you
I prefer to see my role as that of a strategic coach, rather than just a financial adviser. I am keen to understand your requirements and desires, so that I can guide you towards those goals.
My team and I will help you gain confidence and trust to relax in the knowledge that your money is working for you and your family.
PFS Diploma level
LL.B (Hons) Law
- My team
I have a dedicated team of six, each of whom contribute their unique skills and abilities:
Nicola Hillcox – Paraplanner – I have over seven years’ administrative experience within the finance industry, more than 3 of which have been spent at Foster Denovo. I recently progressed to a paraplanning role after gaining my Level 4 Diploma in Financial Advice in 2019. I love being part of the Foster Denovo Newcastle office. It is like a family. Spreadsheets are my guilty pleasure!
Lisa MacDonald – Senior Client Experience Executive – I have worked with Malcolm for over 9 years now, starting as an administrator then progressing to managing the admin team. I gained my London Institute of Banking & Finance level 3 qualification (CertPFA – Certificate in Paraplanning & Financial Administration) in 2018. We are a fantastic team and thrive both within the workplace and socially.
Karen Dickie – Client Experience Executive – I’ve worked in the financial sector for a number of years and joined Malcolm’s team in 2017. Since being at Foster Denovo, I have gained my CertPFA. I enjoy being part of the team, both at work and socially.
Rachel Pattinson – Client Experience Administrator – I have worked with Malcolm for more than two years and support him in managing his diary to help organise regular meetings with clients.
- Outside of work
I enjoy physical training, including going to the gym, lifting weights, body combat classes and cycling. Nowadays, most of the exercise I do is damage limitation and keeping fit, although in the past I have completed several marathons. I also enjoy reading and volunteer with Age UK.
- What my clients say about me
“While working as a company director I needed advice on pensions and planning for the future, which Malcolm provided for several years before I retired in 2019. Malcolm continues to advise myself and my wife on pensions, savings and other ﬁnancial matters. He updates us on how my SIPP and our investments are performing and assesses whether our investment strategy remains relevant, clearly explaining the reasons for his recommendations. This excellent advice, based on our cautious-to-moderate attitude to investment risk, has delivered good growth. We are very pleased with the way Malcolm manages our portfolio.”
Review from Verified Client – Tyne and Wear | October 2021
“I have known Malcolm since my former employer engaged him to establish a money purchase pension scheme for employees more than 12 years ago. Malcolm advised me as a director of the company on the transfer of my existing pension into the new money purchase scheme. Malcolm has subsequently advised me following the cessation of my employment with the company and throughout my retirement years. Malcolm helped me to transfer my pension to an alternative draw down pension scheme which enabled me to draw down monies to support me during a short period of unemployment and subsequently in retirement. He also advised me on the consolidation of my existing investments into an investment ISA. Both my pension and investment ISA have performed well during what has been an extraordinarily diﬃcult period involving the curtailment of my employment and the subsequent pandemic. I have been able to draw suﬃcient monies to enable me to enjoy a comfortable retirement thus far, without signiﬁcantly impacting the capital originally invested in my pension and investment ISA.”
Review from Verified Client – Tyne and Wear | October 2021
“I have several private pension pots and have in the last year turned 55. I wanted to access them but wasn’t sure how to. Malcolm and his excellent staﬀ from the very start of my journey with them clearly and patiently explained all my options, outlining both the positives and negatives. They always listened to me and always acted on my instructions. They completed the bureaucracy on my behalf and constantly kept me updated on the progress of my case, doing when required, some brilliant troubleshooting and advocacy with the pension providers. I really felt Malcolm was always working alongside me to ensure the providers fulﬁlled their rhetoric of great customer care. I can honestly say in Malcolm’s case great customer care is not merely a mouthed platitude but is the actual experience and reality of working with him. A really ﬁrst rate and superb independent ﬁnancial advisor, full of integrity, I can’t recommend him enough.”
Review from Verified Client – London | March 2021
“We were looking for guidance on long term investing for best returns on savings and retirement planning. Malcolm has also advised us on tax eﬃcient savings and investments. Malcom spent time with us to fully understand our ﬁnancial situation and investment goals before making his recommendations. He has a wealth of ﬁnancial knowledge and a great ability (and patience!) in explaining ﬁnancial concepts in a way that is easy to understand. Consequently, he makes the whole process of investing simple and as pain-free as possible. I trust Malcom with my ﬁnancial planning and investments and I just hope he doesn’t retire before me!”
Review from Verified Client – Northumberland | November 2020
These reviews have been verified by VouchedFor. To read more reviews, please visit my VouchedFor page here.