Our Advisers

Professional experienced advisers

Our advisers are the backbone of our business. Our team has experience and knowledge in dealing with all types of clients and circumstances so you can relax knowing your finances are in safe hands.



Andrew Gibson DipFA MIFS

Andy has been in the industry since 1983, working with major Life insurers until 1996 when he was recruited by HCF as a specialist Pensions & Investment consultant.

He became a partner in 2000 and completed a Management Buyout in 2009 with co-director Kevin Simmonds.









Kevin Simmonds Cert CII (MP)

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


Kevin has been working in Financial services for over 11 years and is our employee benefits and corporate pensions expert.

He is also extremely experienced in dealing with individual investment, pensions and protection needs.







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

David has completed 45 years’ service in the industry, and has been an Independent Financial Adviser for over 30 years.  David started his own business in 1987 which merged with HCF Partnership at the end of 1999. His specialist areas are Pensions & Investments.









Gary Cobden DipFA MIFS

Gary joined the industry straight from university. In the 1980’s, he became an IFA in order to provide a better service to his clients. His clientèle is derived from the Corporate Market, advising Small self-Administered and Self Invested Pension Schemes, Keyman and Partnership insurance and IHT planning.








 Steven Sussman

Steven initially trained and qualified as a Chartered Accountant before becoming an Independent Financial Adviser.  He works to provide solutions to both individuals and businesses and his main areas of advice include pre and post retirement planning, investment planning and personal and business protection.

Steven is also one of the firm’s qualified Equity Release advisers.







Daryl Neumann

Daryl joined HCF in July 2012 after several attempts to recruit him. He brings 15 years of unparalleled service and experience in the mortgage, protection and investment arenas, as well as the highly specialised market of Equity Release  . Married with 4 children and a keen cyclist, Daryl understands the demands and needs of modern family life and the importance of finding the balance.








Brian Altman

Mortgage & Protection Consultant

Brian joined the industry in 1987 and specialises in mortgages and protection.
He arranges residential, buy to let and commercial mortgages.









Charles Alexander

Charles joined the industry in 1994 and specialises in the protection and mortgage markets.

He arranges mortgages and commercial loans on a personal basis as well as for the corporate market.

Charles is married with two children and lives in North London.






Darren Reuben

Director of New Build

Darren specialises in all aspects of Mortgages and property lending, with a particular lean to the New Build Sector, including advising on Help to Buy Funding.  As well as working with some of the industry’s top 20 House Builders, Darren is also on specialist New Build Panels with various ‘High Street’ lenders. 

Complementing this speciality, Darren also advises on Personal Protection and Private Medical Insurance for both the Individual and Corporate Market.