THE TEAM2019-01-03T09:36:27+00:00

Highly qualified and experienced financial advisors


Ian Osang

Ian has 27 years’ experience advising clients as an independent financial adviser and is a founding partner of Ingard IFM LLP.

Qualified and authorised to provide independent financial advice in a large number of areas including investments, pensions, protection and mortgages, Ian specialises in helping clients over 50 manage their investments and pensions in the most tax efficient manner and in accordance with their risk tolerance. He is a specialist in structuring investments to reduce inheritance tax liability and to produce income, plus how to make the best decisions at retirement.

Here are just a few of the kind words Ian’s clients have had to say:

“Can I just say that you have done us proud and the whole thing has been painless and easy. Our existing provider referred us to (a competitor). We found them so cold, unhelpful and full of jargon. It took them 3 weeks to produce a quote which we had to chase 3 times. So we started to look around and luckily found you. It does feel like a minefield if you don’t have an adviser you trust – happily we do now. So thanks again – if we need more financial advice, we won’t be going anywhere else”. 

“I am absolutely delighted with the services you have provided and the information, advice, guidance and particularly the courtesy you have shown me throughout this pension plan set up. I will have no hesitation to recommend your services and will ensure that your name is top of the list when discussing financial services with family, friends and contacts.”

Rob Howard

Rob Howard has gained many years’ experience in the industry having worked for multi-national companies before setting up Ingard Financial Ltd (, a successful mortgage brokerage. Rob then went on to be a founding Partner of Ingard IFM LLP.

“I tend to specialize in those looking to design a specific financial plan. This includes detailed mortgage repayment reviews, Inheritance Tax mitigation advice, investment portfolios and the planning of a suitable income in retirement. I am also one of a limited number of IFAs in the country qualified to advise on financing Long Term Care for those needing residential or specific nursing care plus I also hold the specialist Equity Release qualification.

I passed the UK Social Investment Forum’s Green & Ethical Investment course in 2009 and can therefore advise on Socially Responsible Investing.”

You can see independent reviews of Rob’s service by visiting:

Bryan McAuliffe

Bryan McAuliffe is our Independent Financial Advisor covering The Isle of Wight and southern England.
Bryan provides local financial advice services in Southern England, and he is based in the centre of the Isle of Wight.

He has over 16 years of experience in providing financial advice to clients, ranging from simple advice to more complex financial planning.

Bryan holds a variety of financial qualifications in the Investment, Pensions, Tax, Trusts and Long Term Care areas, to name a few.

Bryan specialises in dealing with the financial problems, concerns and aspirations experienced by those approaching or already in retirement and more details can be found here –

We can help you with…


Pension planning comes in two stages, accumulation (where you build up benefits in a pension) and, decumulation where you draw benefits from the pension monies you have accumulated.



Mortgages have become more varied and complex over recent years; Fixed, Variable, Discounted, Capped, LIBOR rates – almost as though the industry is trying to make it sound difficult.



Each investment structure has different tax implications, so it is important to choose the right one or combination of structures based on your own needs, tax position and objectives.


Highly qualified and experienced financial advisors