Charlie Reading APFS

Charlie Reading

Charlie Reading is the founder and director of Efficient Portfolio. Having worked in the industry since 1999, Charlie has a wealth of experience and has been designated with ‘Chartered Financial Planner’ status, placing him in the top 10% of all advisers in the country.

Charlie is also the author of ‘The Dream Retirement’, an award-winning speaker who has a passion for amazing retirement planning.

Charlie has successfully helped many people save for, manage and enjoy their retirement, often when they didn’t think they had saved enough. Through careful planning he has shown them how they can maximise the money, reduce their risk and design an income strategy that delivers the life they desire. But Charlie is also passionate about building a better life through understanding what makes us happy and healthy. What makes our mind tick, and what strengthens our relationships, because ultimately the financial side of retirement is just the starting point.

He loves spending time with his wife and two daughters, cycling, swimming, running and playing golf, is passionate about scuba diving, safari and travelling.

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Tom Senogles APFS

Tom Senogles

Tom is a Chartered Financial Planner and the Adviser Manager at Efficient Portfolio.

Tom previously worked for sister company Efficient Paraplanning but moved over to Efficient Portfolio in 2016. During his time at Efficient Paraplanning Tom has spent time working for many of the UKs top financial planners and advisers on an outsourced basis giving him a wide range of experience in investments, pensions, and trust and tax planning. During his studies, Tom was awarded best performance in obtaining both the Diploma in Regulated Financial Planning 2016 and Advanced Diploma in Financial Planning 2019 from the Chartered Insurance Institute.

Your likes: Formula 1 & Cats
Your dislikes: Fruit in puddings, beetroot & red cabbage
Your favourite pastimes: Skiing, golf & squash
Your favourite artist/band: Damian Marley

Tim Webb Dip PFS

Tim Webb

Tim has been with Efficient Portfolio for approaching 5 years and holds the following qualifications, whilst currently working towards obtaining Chartered status:

- Diploma in Regulated Financial Planning
- Certificate in Securities Advice and Dealing
- Certificate in Discretionary Investment Management
- Certificate in Pension Transfer Advice which is a specialist qualification which classes Tim as a ‘Pension Transfer Specialist’ by our regulator, the FCA.
- Award in Long Term Care Insurance

Prior to Efficient Portfolio, Tim worked briefly in an accountancy firm where he developed his interest in the financial services sector.

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Henry Elliston FPFS

Henry Elliston

Henry is a Chartered Financial Planner, with 15 years’ experience advising clients in the lead up to and reaching retirement.  In particular, he has advised many professionals who have maximised their pension savings, to accrue further savings and maximise the legacy passed on to their loved ones.  He has also been elected a Fellow of the Personal Finance Society and is a Pension Transfer Specialist.

Your likes: watching sport, holidays, live music
Your dislikes: uncooked eggs
Your favourite pastimes: squash, playing with my girls, knocking up a mean Sunday roast and walking the hound
Your favourite artist/band: Gorillaz

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Richard Phillips Dip PFS

Richard Phillips

Richard Phillips has been a Financial Adviser since training with Prudential in 1991, and has been Independent since 2000. He focuses his advice proposition on the active management of client funds both pre and post retirement, including tailored Inheritance Tax planning.
He is also one of relatively few advisers qualified to offer specific advice in the care funding market.

Likes: "one pan" cooking, blues music, relaxing with a glass of wine
Dislikes: Rain, delayed flights, rap music, feta cheese
Favourite pastime: Walking along a beach/through a forest, long lazy breakfasts in bed
Favourite artist/band: I like most music and therefore most artistes but BB King and Kevin Davy White hit the spot.

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Dan Smalley Dip PFS Cert. SMP

Dan Smalley

Dan has been at Efficient Portfolio since March 2017 and is our Mortgage Adviser. Dan holds the Diploma in Regulated Financial Planning, along with specialist Mortgage and Equity Release qualifications. This allows him to provide the best advice to his clients on all areas of secured lending.

Your likes: Cooking & travelling

Your dislikes: Rock music & British weather

Your favourite pastimes: Cycling

Your favourite artist/band: Drake

Helen Morris

Helen Morris

Helen has recently joined Efficient Portfolio as a Paraplanner, having worked in Insurance and Financial Services for the last 15 years. Helen holds the CII DipPFS, Pension Transfer Specialist and CertPFS (Paraplanning) qualifications. With a keen interest in Art, Theatre, World Cinema and Classical Music, she also enjoys travelling, cooking, gardening, going to the gym and Pilates.

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