The Team

We have an incredibly diverse and skilled team, and by working together we can achieve so much more. We value everything everyone brings to the table, and by joining forces, we not only achieve our goals, but grow and improve our business for the better. At Efficient Portfolio we have a team of highly skilled and qualified individuals who can provide guidance to a range of clients.
Charlie Reading
Founder and Director

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.

Tom Senogles
Financial Planner

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.

Likes: Formula 1 & Cats
Dislikes: Fruit in puddings, beetroot & red cabbage
Favourite pastimes: Skiing, golf & squash
Favourite artist/band: Damian Marley

Tim Webb
Financial Planner

Tim is a Chartered Financial Planner and a Full Member of the Chartered Securities Institute. He has been with Efficient Portfolio since June 2014 and holds numerous specialist qualifications, making him an expert in his field.

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

Likes: Science, cars, mindfulness
Dislikes: new potatoes, grey skies, white noise
Favourite pastimes: green therapy, reading
Favourite artist/band: The Weeknd

Henry Elliston
Financial Planner

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.

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

Adrian Jones
Financial Planner

Adrian has been an adviser for just under 23 years with the last 19 ½ years working for an employee benefits firm. He has specialised in corporate pensions and have predominantly focused on ‘at retirement’ solutions for members of those schemes. His main line of work is predominantly in SIPP/Drawdown work, advising clients into and through retirement, this also includes other investment advice.

Richard Phillips
Financial Planner

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.

Andrea Harrison
Mortgage Adviser

Prior to working within Financial Services, Andrea had a long-term career in the Private Sector and initially joined the world of Financial Services in 2013, later qualifying as a Mortgage & Protection Adviser in 2016.

Likes: White wine, good food, sunshine and holidays

Dislikes: Being cold, unkindness and bad manners

Favourite Pastimes: Anything involving my children and adventure!

Favourite Artist/Bands: Everything from Jazz, Classical through to Modern Pop

Book a chat with our experts

The first step in achieving your goals is to discuss your current concerns with one of our qualified Financial Planners.
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