Michael Lapham is a chartered financial planner at Mercer & Hole and an associate of the Personal Finance Society. He has been working in financial services for over 16 years and has been a financial planner, working for individuals and businesses for over 12 of those. During this time he has worked with a wide variety of clients with different backgrounds.

More recently he has focused on helping small and medium-sized businesses with their financial planning needs, in addition to the more specific personal needs of the owners and employees within those entities. www.mercerhole.co.uk