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Independent Financial Adviser

Matthew Naylor

07590 394473
enquiries@whitestonefp.com
Qualifications

Qualifications

  • AdvDipIP – Advanced Diploma in Financial Planning

    This qualification enables professional advisers to develop specialist planning capabilities, covering topics such as personal tax and trust, business financial, pension and investment planning.

  • Level 4 Diploma in Regulated Financial Planning

    This meets the FCA's qualification requirements for retail investment advisers and helps candidates to develop core technical knowledge and financial planning capabilities.

  • CertPFS (DM) – Certificate in Discretionary Investment Management

    The RQF Level 4 Certificate in Discretionary Investment Management develops the wealth strategy and portfolio management skills required for effective discretionary investment management. The qualification satisfies the FCA appropriate qualification requirements for this class of business.

  • Level 4 Award in Pensions Update

    This single unit qualification develops and tests knowledge of pension reforms and how they impact at-retirement advice.

  • CertCII – Certificate in Financial Planning (Life & Pensions route)

    The life and pensions route builds knowledge and understanding of the sector’s role and its activities. It considers important customer needs, solutions and products, and how individuals and organisations work within the regulatory and legislative environment.

  • Level 3 Award in Long Term Care Insurance

    This level 3 award develops the knowledge and understanding of long-term care cover, including legal, taxation and regulatory issues and the responsibilities of local authorities.

  • AF1 – Personal Tax and Trust Planning

    This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

  • AF3 – Pension Planning

    This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

  • AF4 – Investment Planning

    This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

  • AF5 – Financial Planning Process

    This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

  • J02 – Trusts

    At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

  • J10 – Discretionary Investment Management

    At the end of this unit, candidates should be able to analyse and apply financial information and portfolio management skills.

  • R01 – Financial Services, Regulation and Ethics

    This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

  • R02 – Investment Principles and Risk

    This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

  • R03 – Personal Taxation

    This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

  • R04 – Pensions and Retirement Planning

    This qualification assesses a knowledge and understanding of and ability to analyse pension and retirement planning issues.

  • R05 – Financial Protection

    This qualification assesses a knowledge and understanding of and ability to analyse financial protection planning issues.

  • R06 – Financial Planning Practice

    This qualification helps advisers develop and demonstrate their financial planning capabilities.

  • R08 – Pension Update

    This qualification focuses on pension reforms and how they affect advice, including the new legislative, compliance and reporting requirements.

  • CF1 – UK Financial Services, Regulation and Ethics

    This qualification develops an understanding of the financial services industry, including regulation and legislation.

  • CF8 – Certificate in Financial Planning and Long-Term Care Insurance

    This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long-term care insurance products and the giving of long-term care insurance advice.

View FCA register
Statement of professional standing
neil@neil.com

Accreditations

  • Chartered Financial Planner

    Chartered status is awarded by the Chartered Insurance Institute (CII) and is considered the ‘gold standard’ financial planning accreditation. Chartered status is a symbol of technical competence and signifies a public commitment to upholding professional standards and adhering to a professional Code of Ethics.

Matthew in the office

Matthew specialises in helping people approaching or in retirement, small business owners planning their next chapter, and those dealing with significant life changes. His approach removes jargon and focuses on helping clients understand their position and choices clearly.

His career began in financial services in 2012, starting as a financial administrator before progressing into paraplanning and qualifying as a financial adviser in 2017. He later became Chartered and a Fellow of the Personal Finance Society.

Matthew founded White Stone Financial Planning in 2022 to focus on deeper client relationships and work with people who truly benefit from thoughtful financial planning.

What type of advice do you most enjoy giving clients?

Helping people understand where they are financially, what choices matter, and how their money can realistically support the life they want to live.

What motivates you to keep improving as an adviser?

Knowing that financial decisions shape real lives, and that a better understanding, clearer thinking, and honest advice genuinely improve outcomes for people over time.

What moment confirmed this was the right career choice?

Advising my first client, organising complex pensions, and hearing the relief they felt once everything finally made sense.

Matthew out of
office

When he’s not helping clients, Matthew spends most of his time with his wife, Gem, and their daughters, Olivia and Lucy, embracing family life and the chaos that comes with it.

He’s a lifelong Derby County supporter, enjoys cricket, country pubs, and new technology, and rarely misses an opportunity for a proper ale in the sunshine.

What does your ideal weekend away from work look like?

A sunny BBQ in the garden, family around, trying (and failing) to avoid being soaked by my daughter’s water gun.

Who would be your three dream dinner party guests overall?

Stephen Fry, Winston Churchill, and Christopher Nolan for their insight, storytelling, curiosity, and ideas.

If you could instantly master any skill, what would it be?

Switching off my brain completely – if overthinking were an Olympic sport, I’m sure I’d have won a few medals by now.

What was the first album you ever bought?

Hot Fuss by The Killers. It’s still a perfect album 22 years later.

What qualities draw you to new people?

I am drawn to people who have passion for what they do, understand the importance of honesty, and have something interesting to say.

What’s your favourite song to play in the car?

It has to be Lose Yourself by Eminem.

What goals are still on your bucket list?

I would love to travel around Australia, see Derby win the Champion’s League, and follow the England cricket team on a tour of the West Indies.

What things never fail to make your day better?

Good coffee in the morning and a great dinner in the evening, with hugs from my family in between.

What our clients have to say

Our clients’ stories capture the impact of our plans, the intimacy in our approach, and the key role we play in their lives’ big decisions.

Reviews and Ratings for Financial adviser Matthew Naylor, Birmingham
Investment market update: January 2026

Posted: 26 Feb 2026

Investment market update: January 2026
Read further
Fraudsters use crypto hype to scam investors out of more than £500,000 a day

Posted: 26 Feb 2026

Fraudsters use crypto hype to scam investors out of more than £500,000 a day
Read further

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