Team Bio's

Michael Bower – Independent Financial Adviser


I initially developed my knowledge of the banking systems and structure of financial services within the banking industry, working for Abbey National (as it was then) and The Woolwich

My skills and knowledge of the investment and pension market places were honed with a move to a city-based firm of Consulting Actuaries, working with the boards of large firms going through management buy-outs or closing Final Salary pensions.  My clients also included smaller businesses and single owner company directors. My role here was dedicated to Pensions and Investments, which included hedge funds, stock broking and portfolio wealth management.

My Role

I believe my role as a Financial Adviser is to guide clients through the complexities of their financial needs, helping them to see how the ever-changing financial and economic landscape affects them.

Money can create our deepest worries and visit upon us some challenging decisions. The ability to discuss concerns and hopes with a knowledgable, experienced adviser can have very real benefits and ease the process of taking and making decisions

When I’m not working

Spring and Summer are my favourite seasons, I like being out of the house, often on my motorbike (sometimes one with pedals too).

Rode the Atlantic Road across Norway recently;

Meeting and advising clients at both ends of life has taught me to maintain a sense of adventure and keep learning and experiencing

Lianne Murphy – Will Writer & Office Manager


I have a varied set of experiences in our industry, my main role was with The Royal Bank of Scotland for over 10-years, within their Invoice Finance departments, where attention to detail is an acute requirement.

I joined Aspen, as I wanted to expand my experience and knowledge within financial services.

My role

During my time at Aspen, the company has grown and I now support the advisers in their various roles. Compliant sales is a very important and consistent process, so I find myself checking files, maintaining our back-office systems and when the advisers behave, I may even bring in breakfast

The opportunity arose to complete a study programme to become a Will Writer within the company. Being offered the opportunity to grow and develop a new role sounded very exciting, so I have helped built the Will Writing and Lasting Powers of Attorney department.

As a working mum to 3-children, I believe that protecting our family lives is really important and enjoy helping other families through the process.

When I’m not working

To be honest, with 3 children ranging from 8 to 12, I am pursuing my other roles (not limited to), Taxi, early morning football supporter, cup cake maker, agony aunt and early morning alarm

When I am not all those things, my main adulting freedoms (in the tiny margin of time available) are keep fit classes and sleep

David Jones – Director – Jones Bower
David new


I have worked in the industry for over 30-years, initially advising across investments, protection and mortgages.  I chose to specialise in mortgages and protection and have run my own company in these fields for most of my career.

My Role

As the needs of my clients have changed during the years and the complexities of investments, pensions and long-term planning have become more complex, I joined forces with Aspen Financial Services to offer my clients a full advice service

Our businesses now provide a great combination for clients that offers access to a great in-depth knowledge and experience to provide solutions to help families and individuals make those difficult financial decisions

This brings a wealth of knowledge and experience within the key areas of financial advice to the group

When I’m not working

I believe it is important to enjoy life and I am a regular swimmer and bike rider

My son is a professional footballer, so I can often be found cheering him on at stadiums across the country

my real passion is music, I play guitar in a band and even give the odd lesson if you ask nicely

Flamingo Financial is based in Loughton and Brighton and provide Mortgage and Protection advice to our clients.

The world of Mortgages has become more and more complex in recent years and we have decided to build a service proposition within a dedicated company

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