Phil’s experience in financial services research consultancy spans 14 years and all corners of the provider and agency worlds. Having joined Aviva’s graduate programme in 2002, spending time in key insight and distribution strategy roles, Phil jumped agency side in 2005, taking a strategic planning role with Teamspirit (the specialist financial agency). Just as the credit crunch shed its skin and emerged as a fully fledged recession, Phil founded FS research consultancy So Here’s The Plan in 2009 which he led and grew successfully before joining forces with Cicero in June 2016. Phil has worked, and continues to work, with insurers, asset managers, banks and platforms, providing real and continuing understanding of what’s happening and about to happen across financial markets; invaluable insight into what key advisers and consumer groups value and actionable plans to drive business growth. You can see some of Phil’s work in Money Marketing where he has a weekly column.