Meet the Team

If you want to find out a little more about the individuals within our firm, feel free to click on the links below.

Lawrence Clarke - Company Director

Financial Services started for me in 1971, boy that seems a long time ago! Originally I worked for part of the Slater-Walker group & then for the Prudential & National Mutual Life. I then became an Independent Adviser with F A Watts & in time became a director & shareholder.
1987 was a key year as I then started my own business and I am happy to say that in one form or another this has been my working life to date.
I have always enjoyed pensions & in recent years have passed both the Chartered Banking exam for pensions & the Chartered Insurance Institute exam for Pension Simplification.
Away from work I have really enjoyed seeing my three great kids grow up, & have lots of fun trying to play most sports & keep in shape. I enjoy all sorts of dancing and on occasions have even managed to dance on the beat! Recently I returned to motor bike riding which has proved to be much fun.

Anne Bowes - ACII, FPFS (Director & Paraplanner)

Anne is originally from Yorkshire but has lived in Southampton since 1991. She has been in the financial services industry for over 20 years, working as a manager for the Southampton Office of a large life assurance company. She has been with Lawrence Clarke Ltd since January 2007 providing an administrative and report writing service for the advisers.
Anne is a Chartered Financial Planner and recently achieved Fellowship of the Personal Finance Society.


Steve Wilson - Director & Consultant DipFA MLIBF

Steve joined Lawrence Clarke Ltd as a Financial Adviser in December 2005, & has since proved to be a major asset to the Company. Prior to this he spent over 20 years in the Finance Industry in various roles; starting as a Regional Agent & progressing to Branch Manager of a major insurance company.
Steve moved to the independent advice field in 1999, and now covers all areas of the business, specialising in investments, including retirement planning, taxation and trusts.
Steve was appointed to the Board of Lawrence Clarke Ltd in 2009 as Sales Director.
Outside of work Steve is a family man who likes to relax by strolling through the countryside with his beloved boxer dog Polly.

Carole Challen (Office Manager & Company Secretary)

Carole joined the Company in Sept 1999, after a long & successful Career as a Retail Sales Manager.
Originally employed as Office Manager, Carole took on the additional role of Co. Secretary in November 2004.
" I love my job – it is extremely diverse, everything from opening the post to the Company Accounts. There is never a dull moment."

Outside of work, Carole lives with husband Mark & Cat Teddy Bear, & lists her Loves as:- Travel, Animals, Fast Cars, Live Music, Eating out..…and... Shopping!

Paul Davis - Consultant DipFA

Paul joined the Lawrence Clarke IFA team in Jan 2014, having embarked on his career in Financial Services in 1981 at the Pensions Department of the DHSS in South East London. He then worked in the City of London, before moving to the south coast in 1985 - A move he has never regretted. After spells at a Southampton based IFA & Scottish Widows, he set up his own IFA Practice in 1992. Paul has a wealth of experience in investment, pensions, mortgages & protection. He has a loyal client base, many of whom he has been advising for over 25 years. Outside of work Paul and his wife Stephanie enjoy travelling and keeping fit.     

Kelley Duncan - Consultant AwPETR DipFA MLIBF

Kelley has been in the financial services industry since 1997 & with Lawrence Clarke Ltd since 2006. This experience & the fact that she has worked in all aspects of financial services, allows her to take a practical and holistic view of any issues that arise and to give her clients the best possible advice.
Her friendly & bubbly manner & the ability to develop strong relationships with clients allows her to deal with them in a sympathetic way & extremely effectively.

When Kelley is not in the office she likes to swim, watch football, socialise dance & eating copious amounts of chocolate!

Steve Farrell - Consultant DipFA MLIBF

Steve started his career in financial services in 1974, he subsequently worked for Scottish Widows in May 1975, then joined Lawrence Clarke Limited in 2002 as an independent financial adviser specialising in Pensions and Investments.
Steve and his wife Deb have been happily settled in Waterlooville since 1986. He has two sons and four wonderful grandchildren.
Outside of work, Steve's passion is photography and spends a lot of weekends photographing weddings. His other interests are music, (especially live music) and walking Millie, his beautiful black Labrador. He was formerly a fully qualified football Association Referee - now he's too old for that. Bless him!

Ann Gilchrist FPFS, Certs CII(MP & ER) - Chartered Financial Planner

Ann joined the industry in 1988 and has been working for a market leading company for the past 22 years. During this period Ann carried out a number of roles, the last being Account Manager. Over the years she has passed numerous industry exams and has now attained Fellowship Status.
Ann joined Lawrence Clarke Ltd in January 2011 and is delighted to be part of a successful team and company.

When not working Ann enjoys skiing, golf, badminton, watching all sports, going to the gym, socialising and, if she is not too exhausted, a good book!

Bud Henley - Consultant DipPFS

Bud joined the Financial Services industry in 1977 as a very youthful clerical adminstrator at Abbey Life in Bournemouth. Over the following 12 yrs he enjoyed a number of promotions, most notably the position of Regional Manager for Scotland, Northern Ireland & the North East - Whilst living in Bournemouth!

In 1990 he decided that he'd had enough of all that commuting & joined the IFA Division of Abbey Life working much closer to home. Bud's last 22 yrs have been spent working with IFA's as a Business Development Manager with three major Pension & Investment providers, and, after taking a little time out in 2012 he joined Lawrence Clarke Ltd at the start of 2013.

Outside of work, Bud likes nothing better than spending time with his family, and when they're not available, playing golf with his friends.

Mike Osmond Consultant CIB DipPFS Cert SMP

Mike joined Abbey National in 1974 (after initially working in Retail), Having held Management positions with them in Southampton & Portsmouth before spending three years from 1983 with the Brittania Building Soc, opening their office in Portsmouth, during which time he was Chairman of the Portsmouth & District Building Societies Association.
Mike left in 1986 to set up his own Financial Services business in the Fareham area, and over the years has also co-owned Estate Agency & Chartered Surveyor busineses.
Mike joined Lawrence Clarke Ltd in 2012, having known Larry Clarke for some thirty years. A Fellow of the Chartered Institute of Bankers Mike has lectured at both Highbury College & Solent University on Building Society Law & Practice.
Outside of work Mike's hobbies include Football (watching rather than playing these days!), Cricket & Swimming.

Hannah Pendlebury - Consultant DipPFS

Hannah is the youngest of our advisory staff, having joined Lawrence Clarke in the Summer of 2014 as a graduate trainee. She learned the business from the inside out whilst studying for the qualifications to become a fully-fledged adviser. Having obtained her Level 4 Diploma in October 2015, Hannah has since shown a commitment to gain higher level qualifications including passing the Pensions Transfer Specialist exam. 


Hannah established a group to support local young professionals working in financial services in August 2016 and she was elected as New Professionals Officer for the Hampshire and Dorset Personal Finance Society in 2019. 



Steve Smith - Consultant DipFA CeMAP MLIBF

Steve has enjoyed the last thirty years in financial services advising clients and joined us here at Lawrence Clarke as an Independent Financial Adviser back in 2001.
He has a wealth of experience across all aspects of financial planning although his main areas of expertise are investment, pension, mortgage, long term care and equity release advice.
He has lived locally on Hayling Island almost all his life & is happily married with three Sons and two Grand Sons.
If he is not in the office or at home he may be found on the golf course or on Hayling beach fishing. 

Debbie Howell (Administrator)

Debbie has been a member of the Lawrence Clarke team since September 2007 and worked with many advisers over the years.   A proud Mum to two adult children Elliott and Abbie, plus Alfie, (her black lab) she likes to go to music concerts, shopping and the odd nice meal!

Karen Locke (Administrative Assistant/Typist)

Karen joined the company as a part-time audio typist in January 2003 after various other part-time jobs and also taking time out to bring up a family. 

David Manley (Administrator)

David joined Lawrence Clarke Ltd in July 2010, bringing many years of experience & knowledge with him from a 32 year career with the Prudential.
After early retirement in 2000 David continued to be active in Financial Services as a Mortgage Broker for a local firm in Waterlooville.
David's outside interests include playing golf, gardening, theatre, & helping to look after his grandchildren.


Kane Prior (Administrator)

Kane joined Lawrence Clarke Ltd in May 2016.  Having graduated in Economics from the University of Kent, Kane has gained a wealth of experience in the Financial Services Industry whilst  previously working for an IFA, and for Old Mutual Wealth.  Currently a key member of the team, Kane is currently studying towards his qualifications.

Outside of work he enjoys rock climbing and skydiving.                


Cameron Pye (Adminstrator)

Cameron came into the Financial Services industry as an apprentice for a local IFA in March 2012.  Whilst completing his apprenticeship, he gained knowledge in a range of products and services. He joined Lawrence Clarke Ltd in September 2015 as an administrator, offering support to a team of 4 advisers. Cameron's long term goal is to gain the qualifications required to become a client facing adviser.

Outside of work Cameron enjoys both playing & watching cricket and going on walks with Tammie, the Border Terrier.

Georgina Stapleford (Personal Assistant)

George has been working in financial services since 1992, working the last 12 years at King IFA before joining us in January 2012 as PA to Larry Clarke.

Outside of the office George enjoys walking with her Jack Russell ‘Elmo’, going to rock concerts, as well as sharing a keen interest in classic and american cars with her partner Jon having recently become owners of a lovely yellow mustang. She also enjoys shopping, zumba classes and making jewellery.

Christine Welsh (Administrator)

Christine joined Lawrence Clarke Ltd in January 2012 after completing some 10 years Service with Fareham based King IFA. Prior to this she enjoyed admin roles with several local Solicitors. Christine currently provides valuable Admin Support to the team.

When not at work, Christine enjoys travelling, music, reading & loves her weekly Zumba classes. Christine is also a proud Grandmother to her daughter’s two beautiful  girls, and likes to visit the family in Yorkshire as often as possible. A fond animal lover, she also enjoys walking her Border Collie Gus through the local Countryside.

The guidance and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.
Lawrence Clarke Ltd is a member of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit Details can be found at under reference number 131460. Lawrence Clarke Ltd is registered in England, no. 3679668.