About us

High Street, Sutton Coldfield, West Midlands, England, UK
who we are

Nationwide Independent Financial Advisors.

Originating in Sutton Coldfield, Masterplan Wealth are a firm of Independent Financial Planners and Advisors servicing the personal financial needs of our clients across the country.
meet the team
what people say

It’s been a huge relief to find a company who knows what they are doing to help with investments and planning for the future. John and the team have a real understanding of how to look after and brief their clients.It always feels like a personal service and I’m never left feeling confused or bewildered about what is discussed. Their communication is just great and I have every confidence that they have my best interests at heart. I couldn’t recommend them more highly.

meet the team

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Joseph Young

Chartered Financial Planner and Head of Financial Planning

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John Headshot

john draper

director and financial planner

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Stephen Young

Director and Financial Planner

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Nick Adamthwaite

Financial Planner and Funding Advisor

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Steph Ricketts

Client Relationship Manager

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Heather Collier

Client Relationship Manager

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Jason Headshot

In Memory of

Jason Dutton

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Katie Headshot

Katie Jones

Administrator

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Mark headshot

Mark Griffiths

Mortgage and Protection Advisor

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Libby Mills

Mortgage Advisor and Administrator

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Liam Fearon

INDEPENDENT FINANCIAL ADVISOR

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Chris Headshot

Chris Hilton

Private Client Relationship Manager

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Tom headshot

Tom Biggar

Independent Financial Advisor

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Gary Bridge

Financial Planning Administrative Manager

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Joseph Young

Chartered Financial Planner and Head of Financial Planning

Joe brings over a decade of experience in financial planning and works with clients with complex financial needs He enjoys helping his clients at the intersection of retirement and estate planning, from retirement income planning to inheritance tax reduction, he helps find the right solutions and strategies to his clients financial needs, He also oversees our financial planning process, ensuring everything is up to date in the ever changing legislative landscape. Joe prides himself on breaking down complex matters in ways that are easy to understand and giving his clients peace of mind in their financial position. In his free time, Joe enjoys following the Villa and spending time with his Pomeranian Fifi.

JOHN DRAPER

Director and Financial Planner

John is a director and financial planner at Masterplan Wealth, helping clients create clear, practical strategies for their money and their future. He advises clients on investments, retirement planning, estate planning and mortgages and protection. He focuses on building a clear, joined up plan rather than recommending one off products. Clients value his calm, down to earth approach and the way he explains things in plain English so they can see exactly how their finances support the life they want.

Brought up in Sutton Coldfield, John has been helping individuals and families across the Midlands for many years. He initially founded mortgage brokerage Pennswood in 2006, rebranding to Masterplan a few years later, then adding the financial planning arm in 2012, which has now evolved into Masterplan Wealth. Having worked both within larger organisations and in his own business, he understands the realities of running a company and the pressures that come with planning for life after work. Whether it is structuring retirement income, making sense of existing pensions or aligning investments with long term goals, his focus is always on making money feel simpler and more manageable.

Growing up, he played amateur football for many years until injuries and age eventually forced him to hang up his boots. These days he is more often found watching football and spending time on the padel tennis court, where he will admit he is still very much learning the ropes.

Stephen Young

Director and Financial Planner

Steve has worked in Financial Services for over 30 years, his area of expertise ranges from mortgages to complex financial planning needs. Steve enjoys building long standing relationships with his clients and being their trusted go to for all aspects of their financial life.

In his spare time, Steve can usually be found on or adjacent to a football pitch. Having hung up his boots a few years back, he recently came out of retirement to spearhead his local walking football team’s formidable front line.

Nick Adamthwaite

Financial Planner and Funding Advisor

Nick is an experienced Financial Planner and Funding Advisor based in London who advises individuals and business owners on matters relating to both personal and business finances. Nick joined Masterplan in 2022 and has been a vital part of launching the latest arm of the Masterplan group, Masterplan Lending Advisors. When not advising clients, you will be able to find Nick either socialising with friends, walking his dog, or failing that, alongside Joe in his Aston Villa-related suffering. 

Helen Sadler

Administrator

Helen joined Masterplan in January 2020 and has 12 years’ experience working in banking. Helen’s role involves providing administration support to the sales team, case managing within timescales and providing excellent customer service.  Helen has 2 children and enjoys spending time with friends.

 

Steph Ricketts

Client Relationship Manager

Steph joined Masterplan in April 2022 and has more than 10 years’ customer service experience. She has worked across a multitude of business sectors which include Marketing, Recruitment, and Finance. Steph is passionate about delivering an exceptional client experience and loves that within her role she gets to help and interact with people daily. In her spare time, Steph likes to travel to different countries, socialise with friends, and stay active.

Heather Collier

Client Relationship Manager

Heather assists financial planners and advisers with the delivery of advice and provides vital support across all functions of the business. In her free time, Heather enjoys dinners, concerts and parties with friends.

Jason Dutton

Mortgage Advisor 

With over 24 years’ experience in financial services his role is to work closely with existing and new clients, in order to provide advice on commercial and residential borrowing. Jason is comfortable and experienced with clients and is very much the lay man when explaining products and services. Jason is an alumni of Bishop Vesey school, a keen golfer and former part-time footballer. In his spare time, he enjoys travelling to different cities with his wife.

Katie Jones

Administrator

Katie has worked in Financial Services for over 25 years and is dedicated to excellent customer service. She enjoys helping clients achieve completion of their financial objectives by liaising with the relevant Lenders and Providers in a friendly and professional manner. Problem solving is an integral part of her role.

Katie is married with two teenage children. Outside of work she enjoys walking in the great outdoors with her border collie Dexter, going to festivals and socialising with friends and family.

Mark Griffiths

Mortgage and Protection Advisor

Mark brings decades of experience as a mortgage adviser. He helps clients get their dream homes, save on their remortgages and get competitive finance deals on investment properties. He prides himself on communication and working hard to get the best possible solution for his clients. Outside of work, Mark is a long suffering West Brom fan

Libby Mills

Administrator

Libby is a dedicated Mortgage & Protection Advisor with a passion for finding solutions where others might struggle. She specialises in helping clients with more complex circumstances — whether that’s unusual income structures, tight deadlines, or situations that don’t fit the standard mould — bringing a level of care and attention to detail that her clients consistently value.

Libby embraces the latest technology to keep the process moving efficiently, helping clients get faster decisions without sacrificing the personal, tailored service she is known for. She takes pride in translating even the most complex mortgage landscape into clear, jargon-free guidance that puts clients firmly in control.

Outside of work, Libby loves exploring new destinations, keeping active, and spending time with family and friends.

Chris Hilton

Private Client Relationship Manager

Chris’s role at Masterplan involves helping our clients and supporting advisers through every step of the advice journey, from information gathering to helping see advice through to completion and beyond. Chris prides himself on a personal touch and keeping clients informed every step of the way. In his free time, Chris has been enjoying a resurgent Newcastle United in recent years.

Tom Biggar

Independent Financial Advisor

Tom joins Masterplan with a wealth of experience and expertise in the fields of both financial planning and investments. Tom advises clients from a wide range of backgrounds and across different areas, from retirement planning to investing and everything else in between. In his village, he his known as Tom Guardiola, for his impeccable management record of his daughters football team.

Gary Bridge

Financial Planning Administrative Manager

Gary brings years of experience and knowledge of working in financial planning and advice. He oversees the administrative function at Masterplan Wealth and is vital in ensuring everything keeps ticking. In his free time, Gary is a deluded Birmingham City fan, who is sure that their resurgence will come soon (whatever you say Gary!)