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Derek Ward DipPFS's Profile

Derek Ward DipPFS


T: 01257 423 800
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Derek joined Prosper in March of 2014. He is married with one son and despite living in Radcliffe is a very keen Wigan rugby supporter. He holds a BSc (Hons) Degree in Mathematics and Operational Research as well as the Diploma in Financial Planning and an advanced qualification in taxation and trusts. He is progressing towards his Chartership qualification and hopes to have this under his belt in the near future. Having worked within the financial services industry since 1990 he brings a wealth of experience to the role and has already used his financial planning and system skills to streamline a number of processes to improve the business’s efficiency.


Our Areas of Expertise

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.  
When someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
Wealth Preservation
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Long Term Care
The whole process of dealing with an elderly relative who needs care can be difficult, emotive and stressful. At Prosper we specialise in giving advice on Long Term Care solutions by working closely with the family members concerned.


Value Move %
FTSE 100
7026.8799 -32.52 -0.46%
FTSE 250
18982.7695 -167.0996 -0.87%
FTSE 350
3911.0701 -20.77 -0.53%
FTSE All Shares
3865.1799 -19.8501 -0.51%
Dow Jones
25516.9805 -188.8886 -0.73%
7422.0000 -272 -3.54%

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