From the very beginning in 1990 when he entered financial services following a career in marketing, Stephen’s goal was to build a family-run wealth management firm grounded in trust, long-term relationships, and genuinely personal advice.

Whilst providing advice in all areas of financial planning he now specialises in Tax Planning, Pension, Inheritance Tax, Investments and Trusts, focusing on client relationships.

This allows him to provide tailored strategies, helping clients build and protect their wealth and use this to meet their objectives with confidence.

Stephen works closely with his son, Michael, as part of this family-led team.

Together they are supported by an experienced group of technicians, planners and administrators who share their commitment to high standards, professionalism and doing right by every client they serve.

Stephen’s approach is built on understanding client’s circumstances, goals, tolerance of investment risk, timescales, and the need for tax efficiency, ensuring their plans remains relevant.

Michael graduated from the University of Reading in 2009 and has worked in financial services for more than 16 years.

During this time, he has gained valuable experience including time in a London investment company which gave him a strong foundation in markets, portfolio construction, and client care.

Michael has completed the Investment Management Certificate along with a range of industry qualifications covering Mortgages, Insurance, Investments and Retirement Planning.

He is a member of both the Society of Mortgage Professionals and the Chartered Insurance Institute, and fully authorised to advise on Mortgages, Insurance, Investments, Pension, Inheritance Tax and Trust Planning, focusing on new business opportunities.

Michael works closely with his father, Stephen as part of this family-led team.

Together they are supported by an experienced group of technicians, planners and administrators who share their commitment to high standards, professionalism and doing right by every client they serve.

Michael focusses on making financial planning for clients accessible, clear, and relevant. He takes time to understand each client’s circumstances, goals, and priorities so he can tailor advice that fits and gives them confidence in their financial decisions.

Jane Trayler is an experienced PA at Cannongate Wealth and works closely with Stephen and Michael Philpot organising their busy schedules!

Sarah Philpot is an experienced client support administrator for Cannongate Wealth's clients.

Tracey Sellers is an experienced marketing manager and is responsible for Cannongate Wealth's marketing and client communications.