Entire FS is a leading independent financial planning company based in Altrincham, Cheshire. Our team of wealth management and mortgage professionals are dedicated to providing the best possible advice to clients in a friendly and efficient manner.

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We aim to be an IFA that blends good old-fashioned business values with a modern approach and work with the very latest technology and systems.

Located in the town’s former police station, our offices are replete with fine period details and provide a calm and secure environment in which to plan our clients’ financial futures.

What our clients say

Meet the team

“Not surprisingly, with Entire FS you experience customer service with no half-measures.”

Our aim is to provide the most complete financial and wealth management services available. And that means having a team of people who focus on clients’ needs above all else and make customer service their number one priority.

We can only hope to achieve this by both emphasising teamwork and clear communication within the company. But at the same time, we encourage individuals to flourish, to take personal responsibility and to improve their skills and qualifications.

We expect our people to be trustworthy, honest, open and to avoid jargon. We believe in building solid networks of relationships between clients, business partners and last but not least our own staff. So now it’s time to meet the entire Entire FS team, in their entirety.

Glyn Bottomley


Glyn is the director of Entire FS with lead responsibility for the firm’s bespoke mortgage and equity release service.

As a holder of both the Certificate in Mortgage Advice and Practice (CeMAP) and the Certificate in Regulated Equity Release (CeRER) he has all the significant qualifications required to advise on these important matters.

Glyn started his professional career as a non-specialist adviser at RBS and then, after three years, joined one of the largest mortgage advisers in the country.

Two years later, in 2009, he set up his own mortgage consultancy building the team of experts that now delivers Entire FS’s mortgage and equity release service.

Away from his desk, Glyn enjoys playing guitar, spending time with friends, regularly exploring new places, eating out and drinking real ale, especially in Wales.

Jeff Lewtas


One of the directors of Entire FS, Jeff takes the lead in the area of wealth management and financial planning and is qualified as FPC 1,2,3, CEMAP and AFPC.

With over 35 years in the financial services industry, running his own company as an Independent Financial Adviser since 2003, there are few situations Jeff hasn’t previously encountered in his career.

A keen sportsman, both as spectator and competitor, Jeff has taken part in many endurance events including marathons, triathlons, Ironman and various long distance cycle events.

In 2012, he cycled the 287 miles from London To Paris in 18 hours, 30 minutes, and in 2013 completed Lands End to John O’Groats – 950 miles – in 6 days, which basically means, with Jeff doing your financial planning, you know he’s in it for the long haul.

John Fisher

Team Manager

John has worked in the financial services industry since 2004. First employed as a mortgage underwriter, he moved into the pensions industry for six years before moving back into mortgages where he has remained ever since. In his last job he was underwriting for the whole of market lending options.

He is married with two teenage children and lives in the local area. John likes nothing better than family time, whether it be curtains closed, fire on, lights out in front of the TV in the winter, or long walks in Wales and BBQs in the summer.

John is an early riser – he owns a whippet called Rodney who keeps him active with 6am and 6pm walks each day. He’s also a keen cyclist who has completed many Manchester to Blackpool events, raising thousands of pounds for charity in the process.

Colin Tomlinson

Chartered Paraplanner

With 17 years of experience in financial services, Colin is a Chartered Financial Planner and Fellow of the Personal Finance Society. He also holds a Master’s degree in Financial Planning and Business Management.

Colin has worked in a wide variety of roles with a particular focus on client assurance and business development. Part of what he enjoys most about his work is helping his colleagues develop through mentoring and coaching.

Away from the office, Colin loves travelling the world as well as cooking and baking up a storm in the kitchen. But he is most excited when spending time with his family and watching his two young children, Peter and Harriet, grow.

Eve Whiteman

Independent Financial Adviser

Eve started out in the pension and investment industry in 1999 as a graduate trainee technician for a pension provider and joined Entire FS as an Independent Financial Adviser 2016. Her strong breadth of technical knowledge combined with her industry experience means that she is ideally placed to advise our clients on all aspects of financial planning.

Eve holds the Advanced Financial Planning Certificate and is working towards Chartered status. The Investment Management Certificate is another string to Eve’s bow of qualifications making her a valuable member of the Entire FS investment committee.

In her spare time between ferrying children to football and rugby matches, Eve enjoys ballet dancing, hiking, running and cycling.

Dave Watson

Independent Financial Adviser

Dave has over 20 years’ experience working in financial services, most recently in business development roles. His drive and focus, coupled with a desire to help clients achieve their goals, means he is well placed to help his clients achieve financial security. Dave is a strong advocate for the potential of financial planning to help change lives for the better.

Dave is qualified as an adviser through the London Institute of Banking and Finance. He also holds a mortgage qualification (CeMap) and a degree in Mathematics.

When he’s not helping his clients achieve peace of mind, Dave is a keen golfer with a handicap of 12. He is also a proud parent to Harvey and enjoys active weekends, taking Harvey to football and walking his Jack Russell, Murphy.

Vicky Lewtas

Mortgage & Protection Adviser

With over 30 years experience in financial services, and the intermediary market place Vicky is fully CeMap qualified and advises clients on both mortgages and protection.

Having started in Estate Agents in 1986 as a mortgage and financial adviser, Vicky progressed to work for 20 years within retail banking, as a mortgage underwriter, business development manager, protection manager and managing mortgage advisers. This background has enabled Vicky to share her vast knowledge and understanding of mortgage lenders and protection providers with clients, making their journey to purchase and stay in their home easier.

Vicky has also worked for lenders who specialise in Buy To Let mortgages which adds to her experience across the mortgage range.

Outside of work Vicky keeps fit running, cycling and playing badminton, She enjoys cooking and entertaining friends and family. Vicky is currently studying for her equity release exams.

Andrew Parry

Mortgage & Protection Adviser

Andrew has accumulated a wealth of experience in financial services since starting out with Lloyds Banking Group in 2009. He obtained his CeMap qualification in 2014 and spent time working at Countrywide, one of the UK’s leading property groups, before joining Entire FS in November 2019.

Andrew has gained vast knowledge of conveyancing and estate agency processes, covering specialist areas such as buy to let for personal and limited companies, first time buyers, lending into retirement and protection. This makes him well equipped to service our clients whatever their circumstances.

Outside of the office, Andrew can be found sampling craft beers with friends and family and planning his next trip away. He’s also working on obtaining his helicopter private licence.

Lauren Edwards

Mortgage & Protection Adviser

Lauren has 10 years’ experience in the sector, most recently holding roles as a Banking Adviser, Case Manager and Mortgage Adviser. She has achieved her CeMap qualification, a mark of excellence in the industry.

In her spare time, Lauren can either be found saddling up for a ride on her horse or enjoying a weekend trip away. She also enjoys cooking.

Gemma Guthrie

Mortgage & Protection Adviser

Gemma is a Mortgage & Protection Advisor at Entire FS, with 20 years’ experience in the financial services industry.

She specialises in advising on government schemes that are available to help buyers get their foot on the property ladder.

Prior to joining Entire FS, Gemma spent 15 years working in managerial roles at the Halifax bank, and she cemented her knowledge and abilities with a Certificate In Retail Banking Conduct of Business.

In 2017, she then passed the Certificate in Mortgage Advice and Practice (CeMAP) to take a new career direction and has worked with the most well-known and reputable Mortgage Broker firms in the industry.

Outside of work, Gemma enjoys lifting weights in the gym, cycling on local cycle paths and fine dining with friends.

She also loves relaxing with a G&T in front of the television, watching everything from lighthearted comedies to real crime documentaries.

Gemma’s also an animal lover and has an adorable British shorthaired cat called Teddy.

Craig Rule

Protection & Will Writing Adviser

Coming soon!

Michaela Green

Senior Case Manager

Michaela is one of our senior administrators and is responsible for keeping our back office functions running smoothly.

Since joining the industry in 2007 she has gained a wealth of experience in all aspects of financial services and her professional qualifications include both CII Awards in Financial Administration along with the Certificates in Life & Pensions, Mortgage Advice (Cert CII MP) and Equity Release (Cert CII ER). She has also recently completed the diploma level qualifications RO5 Financial Protection and RO1 Regulation & Ethics.

When not at the office keeping things ship shape, Michaela’s personal interests include photography for which she takes regular day trips around the UK looking for inspiration.

Tom Warner

Case Manager

Tom is a Case Manager with over four years of experience in the sector. He started his career as a Case Handler in Conveyancing. Tom currently holds a CeMap 1 qualification and is studying for his CeMap 2 and 3.

In his downtime, Tom enjoys being in the great outdoors: hiking, camping or playing rugby. He also loves socialising, travel and going to the cinema.

Lucy Kench-Roberts

Case Manager

Lucy is a Case Manager at Entire FS, who joined the company in August 2021.

She started her career in commercial finance in 2018 as a commercial assistant, before moving into the residential mortgage market.

Lucy progressed to personal assistant for a mortgage broker in January 2021, while continuing to work part-time in the NHS throughout the pandemic.

She is currently studying for her Certificate in Mortgage Advice and Practice (CeMAP) and aims to become an advisor in the future.

In her spare time, Lucy enjoys outdoor activities such as rock climbing. She also likes going for coffee, cake and bottomless brunches, as well as looking after her dog Trevor.

Sam Bell

Case Manager

Sam kick-started his career in financial services as a Mortgage Case Administrator where he experienced a variety of clientele, from first time buyers to portfolio landlords. His knowledge is paramount in helping our clients at Entire FS have a first class service.

Outside of work, Sam likes to spend time with his daughter Mara. He keeps chickens and grows lots of fruit and vegetables. Sam also takes self-sufficiency to another level and enjoys a DIY challenge to make or fix something. In addition, he’s an avid reader.

Monica Lago

Pensions & Investments Administrator

Monica is a Pension and Investment Administrator at Entire FS, with a year’s experience of working in pensions and finance.

She has recently started her CII Exams (Diploma in Regulated Financial Planning), which will help her progress her career in financial services.

Monica comes from a design background and is particularly keen on product and textile design. For example, she enjoys doing embroidery in her spare time.

She hails from Venezuela and speaks fluent English and Spanish. She’s currently learning to speak French and enjoys travelling and learning from other cultures.

Monica also loves cooking as much Venezuelan food as she can.

Melissa Cowgill

Mortgage Administrator

Melissa is a Mortgage Administrator at Entire FS, who joined the team in September 2021.

She began her career in the finance industry in 2020, working with an independent financial adviser specialising in pensions and investments as an administrator.

Melissa then progressed into the client care team, working with clients to resolve any issues and enquiries involving their finances.

She is looking forward to expanding her knowledge of the mortgage industry in her role at Entire FS.

Outside of work, Melissa enjoys socialising with friends for brunch and cocktails, walking her dog Ole and travelling to new places.

Julie Nickson


Julie studied Industrial Technology and Management at Bradford University before embarking on a career in sales and sales support. She has been supporting mortgage advisers since 2009, negotiating on clients’ behalf to get their mortgages completed faster. Julie also manages her own buy-to-let property portfolio and is a director of two property management companies.

In her spare time, Julie is Vice President of her local Scout group, as well as supporting various other charitable concerns. She also enjoys socialising, travelling and walking her dog Oscar.