I believe SavvyWoman’s panel of experts is second-to-none. They all have an impressive track record and a huge amount of knowledge in their chosen field. But they also have a passion for their work and – most importantly - an ability to make the most complex subject clear.

Click on an expert's photograph to find out more about them.
Karen Ritchie
Savings, Investments & Pensions
Frances Walker
Debt & Bankruptcy
 Ray Boulger
Mortgages
Denise Knowles
Money & Relationships
Janet Davies
Long Term Care
David Allison
Divorce & Relationship Breakdown
Jill Fletcher
Household, Car & Travel Insurance
John Whiting
Tax
Penny O'Nions
Illness & Insurance
Malcolm McLean
State & Company Pensions
Julia Dreblow
Green & Ethical Money
Nicola Plant
Wills & Trusts
Savings, Investments & Pensions
Karen Ritchie
Independent Financial Adviser
Financial Planning for Women
Karen has worked in financial services for over 14 years, specialising during the last 10 years in advising women. Frustrated with the sales and commission-orientated profession, Karen launched Financial Planning for Women in 2005. She now works with clients on a fee basis and helps them plan their finances to meet their future goals. Karen has particular expertise in divorce and finance.
Debt & Bankruptcy
Frances Walker
Head of Media and Public Affairs
Consumer Credit Counselling Service

Frances has been involved with CCCS since its launch in 1993. As well as CCCS, her career includes working for the Office of Fair Trading and for the Co-operative Bank. With access to a range of counselling expertise, she can answer questions on budgeting, dealing with debt, maximising income, insolvency, welfare benefits, mortgage arrears and repossessions.
Mortgages
Ray Boulger
Senior Technical Manager
John Charcol
Ray is the mortgage experts’ expert. He’s worked at mortgage brokers John Charcol since 1989, and is on the board of the Association of Mortgage Intermediaries. Ray specialises in helping to find mortgages for those who have difficult circumstances and is frequently interviewed by radio, TV and national newspapers.
Money & Relationships
Denise Knowles
Relationship Counsellor
Emotional Insights
Denise has worked as a relationship and psychosexual therapist since 1990 including for the relationship counselling service Relate. She has a strong understanding and experience of the problems that money can cause in relationships, but believes that differences about money can be resolved amicably if both partners understand the role it plays in their lives.
Long Term Care
Janet Davies
Co-Founder
Symponia
Janet followed in her mother’s footsteps and started her career as a nurse before working in marketing for a London hospital. In 2005, she set up Symponia with her husband Jeremy, to act as an umbrella organisation for independent financial advisers who specialise in care fees planning. Janet has worked with a large number of financial companies and spoken about care fees at conferences.
Divorce & Relationship Breakdown
David Allison
Partner
Family Law in Partnership
David has worked at Family Law in Partnership since 1998. He specialises in the financial aspects of divorce and separation and is also a mediator and collaborative lawyer.  He has a particular interest and expertise in issues affecting unmarried couples and civil partners.
Household, Car & Travel Insurance
Jill Fletcher
Director
WB Baxter
Jill has insurance in her veins as she has been working in the industry since 1969, when she started as a travel insurance underwriter. In her current role, she specialises in car and household insurance for high net worth clients. Jill is also a qualified independent financial adviser and arranges medical insurance for individuals and employers.
Tax
John Whiting
Tax Policy Director
Chartered Institute of Taxation
John knows more about tax than most people - and can explain it clearly! He worked as a tax partner at PricewaterhouseCoopers for 25 years, dealing with all aspects of taxation. He is regularly used by newspapers, magazines, radio and TV programmes to comment on and explain tax issues and changes.
Illness & Insurance
Penny O'Nions
Founder
The Onion Group
Penny trained and practised as a doctor before leaving the NHS in 1981 to work in the city. Later, she was employed as an independent financial adviser specialising in investments, before setting up The Onion Group in 1998. It offers fee-based financial, legal and medical advice to individuals and small groups.
State & Company Pensions
Malcolm McLean
Chief Executive
The Pensions Advisory Service
Malcolm has been chief executive of The Pensions Advisory Service for 12 years. TPAS is the free and independent service which offers information and guidance on all pension matters. It also helps resolve disputes about private pensions (including work-based and personal plans).
Green & Ethical Money
Julia Dreblow
Founder
SRI Consultants
Julia has been involved in the heart of the green and ethical finance world for almost 20 years. She worked for Friends Provident for 12 years including six years as the marketing manager responsible for sustainable and responsible investment before setting up her independent consultancy.
Wills & Trusts
Nicola Plant
Partner
Thomas Eggar
Nicola qualified as a solicitor in 2000 and joined Thomas Eggar five years later. She has been a partner with the firm since 2007 and is head of the London private client team. Nicola specialises in wills, inheritance tax planning, trusts, probate and the legal affairs of the elderly.