Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
A Lifetime Mortgage will reduce the value of your estate and can affect your eligibility for means tested benefits.

ESUS TELLA Dip FA
Financial Adviser

Esus has worked in the Financial Services Industry for the past 31 years. During his career with Co-Operative Insurance Society he was an Insurance Representative for 4 years then was promoted to District Inspector for 6 years. After further promotion to Sales Manager for 6 successful years he became Assistant District Manager in one of the countries busiest regions. After a further 5 years in this capacity he decided to leave the Co-Operative Insurance Society to become an Independent Financial Adviser and has been in this role for the past 4 years.

During his time in the industry Esus has passed Financial Planning Certificates and Mortgage Advice Qualification.
He has obtained his Diploma in Financial Advice (DipFA) which is the required industry standard for all Independent Financial Advisers after 2012

As a Whole of Market Independent Financial Adviser he can advise on all types of Savings & Investments, Retirement Planning, Protection and Mortgages.

Away from work Esus is a season ticket holder at Ipswich Town Football Club. He also enjoys keeping fit and travelling to his apartment in Italy. Esus has been married to Carmina for 34 years and have two grown up sons.

TONY IANNELLI Dip FA
Financial Adviser

Tony has worked in the Financial Services Industry for the past 29 years. During his career with the Co-Operative Insurance Society he was an Insurance Representative for 11 years and in the role of a Sales Manager for 7 years. He then decided to leave the Co-Operative Insurance Society to become an Independent Financial Adviser and has been in this role for the past 4 years.

During his time in the industry Tony has passed Financial Planning Certificates, Mortgage Advice Qualification and Equity Release exams. He has obtained his Diploma in Financial Advice (DipFA) which is the required industry standard for all Independent Financial Advisers after 2012.

As a Whole of Market Independent Financial Adviser he can advise on all types of Savings & Investments, Retirement Planning, Protection, Mortgages and also the specialist area of Lifetime Mortgages.

When not at work Tony is a season ticket holder at Ipswich Town Football Club and is actively involved in his local community as well as being a former School Governor. He enjoys listening to music and taking holidays and breaks to his apartment in Italy. Tony has been married to Julie for 29 years and has a daughter age 21.