About Us


Quilter plc

Quilter is a leading provider of advice, investments and wealth management in the UK and internationally. Managing over £100 billion of investments on behalf of over 900,000 customers, we operate in one of the largest wealth markets in the world – and one that is growing.


The PRG Partnership

The PRG Partnership is a National financial advice company. For many years our advisers have focused on providing astute individual and corporate clients from all walks of life with an exceptional service. We currently have many millions under management on behalf of our clients and pride ourselves on building professional relationships that last.

We have a nationwide team of professionally qualified financial advisers, each with a number of years experience and professional standing.

Each adviser can help you make informed decisions about your financial future and will work with you to build a tailored financial plan based on your financial goals and needs and help you implement your plan.

Whether your enquiry is on a personal or corporate basis, the major financial decisions that you make will have significant and life-changing consequences.

The RDR (Retail Distribution Review) was a Financial Conduct Authority initiative designed to raise professional industry standards. As the industry adapted to this positive change, The PRG Partnership was at the forefront of implementing these changes.

Whatever your financial goals might be, we can help you accumulate, protect and grow your wealth, so that you can enjoy it and pass it on.

What we can advise on

We offer a mortgage review service that is representative of the whole of the market.  We do not provide advice on 2nd charge mortgages or bridging loans.  If you have a need for these types of loan we will refer you to a specialist broker.

 

Our recommendations will be made following a comprehensive and fair analysis of the mortgage market.

John Karamouzis

Managing Director

Experienced Managing Director with a demonstrated history of working in the financial services industry. Skilled in Asset Management, Retirement Planning, Inheritance Tax Planning, Investment Advisory, and Financial Services. Strong business development professional.

 

Gwen Adair

Independant Adviser - South West Region

Experienced Managing Director with a demonstrated history of working in the financial services industry. Skilled in Asset Management, Retirement Planning, Inheritance Tax Planning, Investment Advisory, and Financial Services. Strong business development professional.

 

Jo-Ann Westlake

ACMA DiPFA CeMAP CeRER

Mortgage and Protection Adviser - South West Region

Registered Individual of PRG Financial Planners Ltd is an appointed representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Limited who are part of the Quilter Group of companies and are authorised and regulated by the Financial Conduct Authority.

 

My objective is to

  • Save you money by not paying more than you need to for your mortgage

  • Save you time and effort by recommending the most appropriate solution for your needs

  • Not miss out on the most cost effective way of arranging your loan

 

For many people in the UK, financial planning has always been seen as something only for the wealthy, however, careful financial planning ensures that financial goals can be achieved.   My ethos is to share my accountancy, taxation and financial knowledge with everyone so they too can enjoy the benefits.

 

My heart has always been within Financial Services, starting my career in the Halifax Building Society 1992 on the mortgage desk and underwriting intermediary mortgages, moving to head office to the Insurance and Investment Division where I qualified as a chartered management accountant.

 

In 2005 a chance encounter showed me how the ethos and training I had received from the bank would benefit small businesses and I wanted to take the opportunity to help small SME's with tax and business planning, working with an array of industries until 2018 when I was offered a full time position as financial controller within one of the Largest independent car dealers in the south west. 

 

Sharing knowledge and expertise has always been a passion and I have recently expanded the financial planning and tax services to include individuals as there is a real knowledge gap in UK.  As an accountant my understanding of taxation and the complexities of business owners remuneration comes in very handy when tax planning and assessing affordability within financial services.