The Penny Group
Michael Bowyer DipPFS currently serves as an Associate Financial Advisor and Protection Advisor at The Penny Group, a Chartered Financial Planning practice in London, since November 2020. Prior experience includes roles as a Client Relationship Manager and Account Administrator at RGP from April 2019 to November 2019, as well as a Client Services Intern at Collins Construction Ltd from June 2018 to November 2019. Michael Bowyer holds a Bachelor of Arts in Business from Arden University, completed between 2017 and 2020, and a High School Diploma with A levels from Oxted School, obtained in 2016.
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The Penny Group
At the Penny Group we offer a deeper understanding of financial services and use our knowledge to help clients realise their life goals. This means taking the time to understand clients and their money. Together we build a relationship that uses our expertise to advise on the appropriate plan to manage their finances. As life changes we’ll be there, committed to guiding their finances along the way. Our services ● Investments & Pensions ● Protection and life insurance ● Retirement & Estate Planning ● Asset protection and school fees ● Inheritance Tax planning ● Mortgages* *YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED We help clients ● Understand and for them to take control over their finances and future ● Arrange a comprehensive financial ‘cushion’ to plan for unexpected expenses and emergencies ● Save towards key goals like a house purchase or retirement ● Strengthen their financial position, allowing them to make well-informed choices and enjoy life more ● Make their money work harder in order to give clients opportunities like retiring early, pursuing studies or simply spending more time with loved ones ● Mitigate the financial impact should they lose their job, or be unable to work due to illness ● Assess the best way to reduce their potential inheritance tax bill ● Ensure family needs are met should something happen to them ● Buy their first home, finance their next investment property or refinance an existing investment ** **COMMERCIAL LOANS AND SOME BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. Approved by The Openwork Partnership on 08/08/2023