Meet the Team

The company consists of Directors: Paula Payne, Christopher Frodsham and Thomas Frodsham, and Advisers: Stuart Peters and Linda Foulkes. Trainee Adviser: Paul Clough.

Paula Payne has been involved in the Financial Services industry since 1997, holding a Director function for the majority of these years. She has been responsible for the finances and recruitment of the firm, along with reporting to the FCA. She lives in Lancashire with her two grown up children, Madalyn who is currently travelling Asia and Morgan who is currently studying to become a financial adviser. Her interests include the gym, reading, a good box set with a glass of red wine, but most importantly, travelling and ticking off that never ending bucket list.


Christopher Frodsham has been involved with the business since 2012 in an adviser support role, responsible for para planning and other administrative duties. Chris lives in Lowton with his Wife. When he isn’t studying to become a Diploma Qualified Financial Adviser he plays Rugby for Thatto Heath Crusaders at weekends.  He enjoys musicals, reading and socialising with his friends and family.


Thomas Frodsham, or Tommy as he prefers to be known, brings with him over twenty years Financial Services experience; he also holds the CII Level 4 Diploma in Financial Planning as well the G60 Pension Specialist Qualification, which makes him ideally placed to steer his clients through the complexities of investment and pension planning, as well as bringing a wealth of experience to the new firm. Tommy lives in St Helens with his wife and son, he is a former professional Rugby League player, playing for Blackpool, Swinton & St Helens RLFC. He enjoys travelling the UK and Europe in his motorhome with his wife.  When not travelling they regularly enjoy attending and partaking in live gigs.


Stuart Peters has been involved with the Financial Services industry since 1983, specialising in all types of mortgage and protection products. He was once Area Manager for Bradford & Bingley in the North West. He holds the Financial Planning Certificate, along with the Certificate in Mortgage Advice and Practice; he has gained a varied and comprehensive understanding of the mortgage and protection market. Stuart lives in Wirral with his wife Mel and two daughters Becky & Kirsty. He is a keen motorcyclist and somewhat of an adrenaline junkie who likes nothing more than conquering The Eiger, 283 Munro’s and Snowdon (the tough routes of course!).


Linda Foulkes has over 20 years’ experience in financial services, starting her career at Royal Sun Alliance Head Office and having worked as a mortgage adviser within various estate agencies and a financial adviser at Bradford & Bingley. She holds the Financial Planning Certificate, Certificate in Mortgage Advice and Practice (CeMap) and is fully qualified to advise on Equity Release. In her personal time Linda enjoys drawings, music and live music. She also; along with her daughter, regularly makes and decorates special occasion cakes for friends and family.


Paul Clough is the newest member of our advisory team.  Paul is currently a professional rugby league player with the Super League side Huddersfield Giants.  He previously had a very successful 10 years with St Helens RLFC before moving to Bradford Bulls for 2 years.  Still only at the age of 29 he is hoping for a few more years in Rugby League yet however with the aid of the Rugby League Career Funding Scheme Paul is fully qualified financial adviser and is now well on his way to advanced status. Currently he is a trainee adviser and is picking up all of his client service skills in preparation for taking up a full time role with Tailored Financial Planning upon retirement from rugby. Paul is also the Ambassador for our selected Charity, the 'Have a Heart' Foundation.


Tomas Frodsham has been involved in financial services since 2012 in a support role to the Mortgage Advisers. He is a lifelong St Helens RLFC fan, although his love for Rugby League has diminished over the last few years. He is also a season ticket holder at Manchester United FC and has been for a few years, watching them Home, Away & across Europe, in the short time he has been a season ticket holder, he has already seen United play in 6 different countries.  Tomas enjoys his weekends away with his friends and attending gigs. His favourite artist is Frank Turner who he has now seen an astounding 20 times. When he isn’t following him or Man United around the country he likes nothing more than a Netflix binge.


Gemma Brown is our newest member of staff. She started with us in August 2016 and is currently partway through her Apprenticeship. Gemma lives with her parents and younger brother in Rainford, where she spends the majority of her spare time writing short stories involving fantasy. She enjoys creating designs for her stories as part of her creative outlet, console games, occasional trips to the beach, swimming, curling up with good book at the end of a long day and spending time with her friends on the weekend.

Our Financial Services

Tailored Financial Planning provides independent advice on a wide range of financial products and services to meet individual requirements. These include investments, savings and wealth management e.g. bonds, retirement planning, pension transfers, and protection including critical illness cover. Whilst the Firm is relatively new the combined experience of our advisers is in excess of 120 years, many clients have had the same advisers for over 20 years.

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Complete Mortgages are a trading name of Tailored Financial Planning Ltd.  We are independent which means that we can search the whole of the market to provide the most suitable deal for your personal circumstances for both mortgage requirements and protection.

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Valued Testimonials

“Tommy has been looking after me for several years now, I have nothing but praise for him. Tommy has always made himself available when I need him.”

K.T., St. Helens

“We were extremely satisfied with Stuart Peters as an advisor.”

R.R, Merseyside

“Congratulations to you and all the team on your 1st year of successful trading. Want to thank you for all your advice help and reassurance. Like most everyday people, I never had too many dealings with a financial advisor and can say this was a pleasurable experience from you all. I wish you all the very best for the future of your company and I will recommend you to anybody who needs your service.”

Keron Atherton, St Helens