Our Team - Planned Future

The Planned Future Team

The Planned Future team is made up of Chartered Financial Planners, experienced presenters and a team of organisers and content creators who ensure all events run smoothly.

John started his career teaching Physics and Maths in Oxford and although he moved into a business role after two years of teaching, he realised that even though people may lack confidence and knowledge in a subject, they can learn complex ideas with the right support.

Ever since moving to the role of financial adviser John has been passionate about financial education in the workplace. He believes in equipping people with knowledge of financial matters so they can make informed decisions to help them plan.

John has 35 years’ experience as a regulated financial adviser and achieved the qualification status of Fellow of the Personal Finance Society.

Alongside his financial adviser role with Chadwicks IFA, John launched Planned Future Wellbeing in 2014 and since then we have delivered hundreds of personal finance training events to employees of Universities, Civil Service Departments, Local Authorities and the Private Sector.

To support the training events John launched the Money Guide Service where individuals can meet with a personal finance expert to discuss their own personal circumstances at a very affordable cost. This has proved very popular as, financial advice although very helpful, is expensive to deliver and John feels that ordinary working people need help and support arguably even more than the wealthy.

John is a (long suffering!) Man Utd supporter and in his spare time he enjoys motor homing in the UK and Europe.

Jennie is a Director of Planned Future and is often the first point of contact with our clients when they make enquiries to the firm about our services.

Jennie has experience as a counsellor for young people seeking help and support and as a carer for the elderly in our local community.

In her spare time, Jennie is an accomplished baker and her produce is eagerly consumed in the office by the rest of the team!

Jennie is a dog lover and her two Chihuahuas regularly join Jennie and John in their motorhome travels.

Bal has over 20 years of experience across a broad range of roles and industries, including positions at Lloyds Banking Group, Exacta Plc, and now with Planned Future.

He is passionate about driving strategic partnerships and growth initiatives that expand market reach and deliver measurable results. With a focus on innovation, collaboration, and long-term client success, Bal helps Planned Future connect opportunity with execution to accelerate business growth.

Outside of work, Bal is a proud father of two young children and enjoys spending time with his family. He’s also an enthusiastic Liverpool FC supporter.

Mitch joined Planned Future as Marketing Manager in November 2023, bringing with him over 10 years of experience across the tourism, accountancy, and fintech sectors.

His background includes time in the Marketing department at The Beatles Story in Liverpool, where he helped the popular attraction adapt to the challenges of lockdown.

Mitch holds a degree in Journalism and enjoys keeping active through running—having completed the 2025 Manchester Marathon (on an unseasonably warm April day!) and taking part in weekly parkruns.

Outside of work, he also enjoys playing football and spending time with his friends and young family.

Claire has over 10 years of experience working in the events industry after completing her degree in Events. She is passionate about building client relationships and ensuring that every step of the events process is seamless.

In her spare time Claire is the proud mum to her 1 year old daughter and enjoys keeping active by (reluctantly) signing herself up to triathlons, travelling to new places and spending time with her family and friends.

Helen joined Planned Future in June 2026 as a Business Development Manager and Presenter, bringing with her extensive experience in pensions, training, and client engagement.

Prior to joining the team, Helen spent seven years with Civil Service Pensions, where she worked within the training and engagement team as well as in pension administration. During this time, she developed a strong technical understanding of defined benefit public sector pension schemes, supporting organisations such as the DWP, HMRC, the Department for Education, and others.

Earlier in her career, Helen built a solid foundation in retail and sales across both B2B and B2C environments. This experience shaped her approach to relationship management and business growth, equipping her with the skills to connect with clients and deliver tailored solutions.

Helen holds a degree in English from the Open University. Outside of work, she enjoys spending time with friends and family, volunteering with her local litter-picking group, and taking part in pub quizzes—which she approaches with a notably competitive spirit!

Andrew joined Planned Future in February 2026, he brings with him a wealth of experience and industry knowledge. Having worked in a financial advice role for over 25 years which included working at a few of the major UK banks and working as an IFA.

He holds many industry recognised qualifications most notably are the Level 6 Private Client Investment Advice and Management and the Level 7 Financial Markets qualifications, both through the Chartered Institute for Securities and Investments (CISI). These qualifications gave him Chartered status in the industry.

Andrew is passionate about educating the people that he speaks to, which in turn empowers them to take control of their personal financial situations.

Outside of work Andrew enjoys spending time with his family, watching one of his daughters play football, along with the ups and downs of Chelsea’s on field success. He is also a keen Cricket fan.

Ian is an experienced Organisational Psychologist and trainer within the areas of Occupational Wellbeing and Workplace Psychosocial Risk.

Previously employed as the Wellbeing Advisor for Airbus Operations Ltd and was instrumental in the provision of workplace mental health support in a manufacturing environment. He is also an accredited Mental Health First Aid Trainer, and Master Practitioner in Workplace Psychosocial Risk Management.

George graduated from the University of Strathclyde before going on to complete a PhD in Economics from the University of the West of England.

He has edited and contributed to a popular undergraduate textbook Personal Finance and is a qualified coach with the International Coaching Federation and the Institute of Leadership and Management. George’s vision is to empower employees and individual clients to better understand the emotional and practical issues around money.

By combining education around money with an understanding of money emotions people can transform themselves and contribute more to their employer, family and wider society.

Sean is an accredited MHFA (Mental Health First Aid) MHFA England, Suicide First Aid (City & Guilds) National Centre for Suicide Prevention, and Mindfulness practitioner and coach British Mindfulness Institute.

A naturally empathic motivator, Sean utilises his coaching skills and conversations to challenge and embed learning to effect positive behavioural change. He has helped hospitals within the NHS, school teachers and students, university lecturing staff as well as corporate organisations experience the benefits of resilience, emotional intelligence and mindfulness.

Ken is a Third Age Coach and he helps people by providing an opportunity to create a life with purpose, meaning and happiness.

Third Age Coaching helps you to plan for longevity, make the successful transition into working less or retirement and to plan for a new lifestyle.

It asks the right questions and provides you with a self-made guide to making healthy decisions and choices!

Through a thought-provoking process, coaching helps you stay physically and mentally healthy, empowered and active, as you prepare for a new stage in life

Third Age Coaching avoids the traps of extreme thinking that older age is either something to dread, or a panacea of one big long holiday.

Dennis is a Certified Money Coach (CMC)® and has been supporting Planned Future since early 2021.

Money Coaching deals with the subconscious patterns, beliefs and behaviours around money that we all have. Understanding these behaviours and patterns is the key to achieving true financial independence and success because developing a healthy relationship with money enables us to make better decisions, reduce anxiety and other negative emotions, and communicate in healthy ways.

Understanding and managing the money in our lives underpins financial wellbeing and this is particularly important when facing the challenges of a sudden change in circumstances.

The Planned Future Team

John Chadwick

Jennie Chadwick

Balazs Darnoi

Mitch Francis

Claire Hannant

Helen Shrimpton

Andrew Billinghay

Ian Barr

George Callaghan

Sean Liddell

Ken Kelling

Dennis

The Planned Future Team

John Chadwick

Jennie Chadwick

Balazs Darnoi

Mitch Francis

Claire Hannant

Helen Shrimpton

Andrew Billinghay

Ian Barr

George Callaghan

Sean Liddell

Ken Kelling

Dennis

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