Meet the Team

Judith Farrall-Wilks dipPFS Lifetime Financial Planner (Owner)		Finances were not taught in school in my day. I had to learn about my own finances with each life event that I experienced from starting work, moving house and area which in turn, meant moving pensions. Then splitting assets in divorce, learning about Estate Planning (due to inheritance wars),the Later Life Care system and ultimately Probate. It is my ambition to help provide understanding to others so that they may formulate their own planning or at the very least seek assistance to understand and action what is required to find contentment and reduce fear and worry. My Background Having discovered through qualification that I had a natural accounting ability led me to my career. After some with children and having financial transitions of my own, this led me to start my financial career within the large Pension & Investment Company progressing to the Banking Sector, to learn their ways too. I achieved my aim of becoming an Independent Financial Advisor here in Ludlow. This has enabled me to find solutions for our customers for the past 29 years through numerous economic and pandemic situations. My designation has now changed to certified Life centred Planner as changes over time mean it is more about what you can do with your money, emitting any sales bias. I am fully qualified with advanced qualifications in Retirement Planning, as well as Taxation & Trusts. In turn, I am a member of the Chartered Insurance Institute, Personal Finance Society, and the Chartered Institute for Securities and Investment. I am also a certified Life Centred Planner. The world of financial advice is changing dramatically with the introduction of digitalisation and more importantly, personalisation. This has led to the birth of the Epiphany LFP (Lifestyle Financial Planning) business and its face to face or zoom services being offered today.
Elaine Harper Office Manager		As our office manager, Elaine is first point of call for customers. She is fully qualified with Financial Planning Certificate and is now upgrading this to diploma level. Background: I met Elaine early in her career in 1997. She has followed a similar path to mine with experience of working in a support role in the Investment & Pension Company and support role for Independent Financial advice for over 20 years.
Elizabeth (Liz) Webster Accounts Manger		Liz is our accounts manager, and an important part of Epiphany team. Working from home, you rarely see her in the office. Liz has been with us since 2013 looking after the financial side of the business. Background: Liz has extensive experience with founding & running an office design business in London for many years means she is well placed to ensure our finances run smoothly.

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