Total Wealth Planning

Financial Planners


Financial planners

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Neil Howchin
Regulated Telephony Manager & Financial Planner

Neil has been in the financial services industry for 18 years. The majority of this time has been in the financial planner/people management roles. At TWP we strongly believe in bringing affordable professional financial advice to all clients. To assist with this Neil helps advise clients using face to face, telephone and digital medians. With the ever changing financial landscape Neil finds himself continually studying, and has just recently achieved Chartered Financial Status.

Neil enjoys spending time outdoors with the dogs and is a huge sports fan, although his children have now practically taken all his spare time pursuing their sporting dreams. 


Ross Bawtree
financial planner

Ross joined a small IFA in 1987 and worked for them until 2003 when the Business was sold to a firm of Accountants. He continued working for the company until it was eventually sold to a National IFA Firm in 2013. During this time Ross has always worked with personal clients, planning for their future and assisting them with their financial planning; specialising in pensions and investments. In early 2016, when concerned about being able to provide what he believes is the right level of service for his clients; Ross was privileged to join the fledgling Total Wealth Planning. I joined TWP in March 2016. Outside of work, Ross enjoys horse racing, fishing, photography, travel and fine red wines.

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Andrew Howarth
financial planner

Andrew has over 21 years experience in the financial services industry, specifically in the Wealth Management and Financial Planning arena and is Diploma qualified. During that time he has been working closely with clients to help them to grow and protect their wealth. He has worked for leading Financial Services organisations and brings with him a vast knowledge across many differing industries where he has tailored financial planning solutions for each of his clients to meet their individual needs. He feels honesty, integrity and acting ethically are paramount to building long standing relationships for private and business clients.

Outside of work Andrew enjoys nothing more than spending active quality time with his young son. He enjoys cycling, mountain biking, badminton and has recently achieved his first black belt degree in martial arts.