Meet The Team
Kevin Simmonds Cert CII (MP)
Director
Kevin joined HCF in 1999 as a self-employed adviser in all types of mortgages.
In 2009, Kevin became a director and now advises individual and corporate clients on private medical insurance as well as mortgages.
Kevin Honour Dip PFS
Director
Kevin has been working in financial services for over 11 years and is our expert in employee benefits and corporate pensions.
He is also highly experienced in handling individual investments, pensions, and protection needs.
Steven Sussman
Director
As an independent financial adviser, I especially enjoy helping my clients achieve their financial goals by applying my knowledge and experience in investments, pensions, mortgages, and protection.
Over the past few years, I have become increasingly aware of my clients’ wishes, or in some cases, their need, to release money from their homes to maintain a preferred lifestyle, travel, or perhaps financially support their grown-up children.
As an equity release adviser, I am pleased to assist in this area by providing guidance and advice on the complexities of releasing capital, and I have found real satisfaction in seeing my clients benefit from this.
Johan Zethraeus
Board Director
Johan has been involved in the financial industry since 1989, working both as an advisor and as a senior manager in financial institutions and intermediaries. Johan is currently serving as a “Senior Advisor UK Market” for Soderberg & Partners, a market leading, Nordic-based company in the financial industry. Since June 2024, the company has held a minority share in HCF.
Richard Revell CeMAP
Mortgage & Property Consultant
Richard joined HCF in 2008 after spending many years in a retail bank.
Although Richard qualified as an IFA in the 1990s, he now practices exclusively in mortgage & property advice for residential and buy-to-let clients of all backgrounds.
David Cooper DipFA MIFS
Pension and Investment Adviser
Daryl Neumann
Mortgage, Protection and Lifetime Mortgage Specialist
I have been working in financial services for over 20 years, initially advising clients on mortgages, investments, and protection. Although I now specialise solely in mortgage and equity release advice, the knowledge and experience I gained earlier in my career only enhance the advice and support I now provide.
I aim to build enduring relationships with my clients and understand the importance of supporting them through every stage of their lives. I have a passion to help my clients achieve outcomes that suit them, whether that’s finding the right mortgage for their dream home or providing ‘peace of mind’ funding in later life.
In my busy schedule, I make time to travel, and these trips are even more special when shared with my family.
Jack Moses MIFS, Dip FA, CeMAP, CeRER
Independent Financial Adviser and Medical Insurance and Lifetime Mortgage Specialist
Jack Moses is an Independent Financial Adviser with over 30 years of experience helping clients make confident, informed financial decisions. Specialising in mortgages, equity release, later-life financing, inheritance tax planning, investments, and medical and life insurance, Jack is dedicated to providing clear, tailored advice that supports both immediate goals and long-term security.
Jack’s extensive industry knowledge and client-focused approach have earned him a strong reputation for trust and professionalism. Outside of work, Jack enjoys travelling, playing football, and spending quality time with his family — passions that keep him grounded and inspired to help others achieve their financial aspirations.
Ricky Fox BSc (Hons), Cert CII (MP)
Healthcare and Protection Adviser
Ricky is an Adviser specializing in private medical insurance, protection and mortgage advice.
He takes pride in getting to know each client personally, understanding what really matters to them before finding the right solutions to suit their needs.
Whether its arranging private health cover, protecting a family’s future, or finding the right mortgage, Ricky believes good advice should be clear honest and easy to understand.
With a friendly, down-to-earth approach, Ricky aims to make every step simple and stress-free- giving clients confidence that they are making the best choices for their situation.
Away from work, Ricky is a keen sportsman with a newfound love for Padel. When he’s not on the court, he enjoys family time with his two young sons
Ian Bennett, DipFA MLIBF
Independent Financial Adviser
Ian started his professional life in 1980 with Nat West Bank, and after general training moved into the Insurance and Pension side of planning.
After a couple more years of training, Ian partnered with a firm of Chartered Accountants to provide bespoke advice to their clients, which he did for 20 years.
Thereafter he joined us at HCF Partnership in 2003, where he continues to offer advice across a range of areas, including the specialist Buy To Let Mortgage market, through to Retirement Advice, and a broad range of Protection Planning ideas.
Lisa Jordan
Healthcare Consultant
After gaining a good grounding in the financial services industry Lisa joined HCF Partnership in 2007. Since then, Lisa has continued to develop her knowledge and experience, and has proven to be a highly organized, motivated and enthusiastic member of the Healthcare team. Lisa specialises in private medical insurance advice, working closely with her individual and corporate clients.
Lisa maintains high professional standards and aims to do the best for her clients. Her philosophy is to look after her clients in the way in which she would want to be looked after herself and has found over the years that this approach brings about positive benefits and outcomes for her clients and as well as the business she is very much part of.
Geraint Morris
Pension, Investment and Protection Adviser
Geraint joined HCF in 2023, having previously worked in various roles within financial services. He is a member of the Chartered Insurance Institute and hold the Level 4 Diploma in Regulated Financial Planning, as well as a BSc in Banking and Financial Planning from the University of Northampton. Geraint’s professional interests include pensions, all types of life insurance, and estate planning and is passionate about helping clients make informed decisions.
Geraint aims to provide a thoughtful and professional service that reflects each client’s unique circumstances and goals and takes pride in delivering clear and tailored advice.
Outside of work, Geraint enjoys a range of hobbies including golf, as well as spending time with his family and friends.
Julie Butt - Administrator
Debbie Chisholm - Administrator
Tara Bhudia - Administrator
Vicky Newman - Administrator
Wendy Biggerstaff - Head of Compliance
Nicky Price - Paraplanner
Sonia Martin - Administrator
How can we help you?
Book your initial conversation today
We are here to assist and welcome your enquiries. Please feel free to contact us using your preferred method below, and a member of our team will respond as soon as possible.
Where we are
HCF Partnership
Ground Floor, 8 Beaumont Gate,
Shenley Hill, Radlett,
Hertfordshire, WD7 7AR
We invite you to visit our office. To ensure we can give you our full attention, we suggest calling ahead to schedule an appointment with one of our advisers before your visit. We look forward to seeing you.