Michael Harwood

After more than three decades in financial services, I’ve learned that good financial advice has very little to do with markets and almost everything to do with people.

My career began at Lloyds Bank, where I spent 32 years working across personal banking, business banking, and wealth management. Those years gave me a deep understanding of how the financial system works—from the high street to complex wealth planning—and, more importantly, how it sometimes fails the people it is meant to serve.

In 2012, following redundancy, I decided to do something different. Rather than step into another corporate role, I established my own independent financial advisory firm...

Over the past 14 years I have built and run that practice as a sole proprietor, working closely with individuals, families, and business owners to help them make clear, confident decisions about pensions, investments, and retirement.

My approach has always been simple: remove the jargon, tell the truth about risk, and focus on what actually matters in people’s lives.

Now, in the later chapter of my career, I have partnered with True Potential Wealth Management to ensure my clients continue to benefit from modern technology, robust investment solutions, and long-term support—while still receiving the personal advice and trusted relationships that have always been at the heart of my work.

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