Meet the Team

Craig Palfrey

Craig Palfrey

Certified Financial Planner

Craig is a Certified Financial Planner, Chartered Wealth Manager and a board member of the Institute of Financial Planning.

Craig is a Certified Financial Planner, a Chartered Wealth Manager and the Managing Partner of Penguin.

On a personal note, Craig has always lived in Cardiff and considers himself lucky to be blessed with 2 children, 3 step children and 4 grandchildren.

Craig believes in the ‘One Life, Live it Well’ philosophy of Penguin and that is why he shares as much time as he can with his family, and takes 8-12 weeks holiday a year whilst managing the Penguin Businesses.

Craig started in Financial Services in 2000 and considers himself extremely fortunate that he’s found his vocation. Hard work and constant study has resulted in Craig reaching Certified Financial Planner Status, a level of qualification that only 1% of the worlds Financial Services Community reach. Craig was recently voted as the top Financial Planner in Cardiff by VouchedFor.co.uk – an independent website where clients can review their Financial Planner.

Craig is also a member of the Million Dollar Round Table. Membership is recognised internationally as the standard of excellence in the Life Insurance and Financial Services business.

Craig is an international speaker after taking the stage at the 2015 & 2017 Million Dollar Round Table conference in New Orleans. Craig really enjoys presenting at seminars as he is passionate about sharing the benefits of good Financial Planning. This is evidenced further by Craig authoring a book featured on Amazon – ‘The Wealth Secret: Create, Build and Protect your future the Penguin way.

Gavin Baos

Gavin Baos

Financial Planner

Having reached Diploma status, Gavin joined Penguin as a Financial Planner in 2012 and is now a Partner at Penguin.

Gavin was born and bred in Cardiff and has been part of the Penguin Team since Jan 2012, and a Partner since 2015.

Family is a major part of his life. He is married to Stacey (the Original Gavin and Stacey) and they are blessed with their Son – Morgan.

Gavin lives our belief of ‘One Life, Live it Well’ by spending as much time as possible not just with his immediate family, but also with his friends. He is always planning trips away with his family well in advance in order to strike the right balance for his lifestyle.

As well as his Family and Penguin, Gavin has a love of rugby and playing golf (badly).

Gavin started his career in financial services as a Financial Adviser within the Co-operative Group.  Prior to this, he worked within the corporate world of BT within the operations and financial sector.

Gavin states that ‘adding value’ to his clients stems from building and maintaining client relationships.  He particularly enjoys supporting business clients through their personal and business journeys from the initial stages right through to the exit.

He is a firm believer that good Financial Planning will help to enhance a client’s life.

Oliver Pughe

Oliver Pughe

Financial Planner

Oliver has been a Financial Planner for over 15 years since reaching Diploma status in 2000.

Olly grew up with a passion for golf and played for Wales and Great Britain at both boy and youth level.  He ‘fell into’ financial planning at the tender age of 22 with his first job located in London.  In 2009, after the birth of his daughter Isabella, he and his wife Nia moved back to South Wales.  He joined Penguin as a partner on September 8th, 2011 on the same day his son James was born and is proud to be a part of Penguin.

Olly considers working as a Financial Planner a privilege.  He particularly enjoys working with business owners helping them identify their personal ‘Number’ and taking them on their financial journey to their Financial Freedom date and beyond. This is evidenced by Olly co-authoring a book featured on Amazon – ‘The Wealth Secret: Create, Build and Protect your future the Penguin way’.

In his spare time, Olly can occasionally be found at Royal Porthcawl Golf Club trying but failing to relive his former golfing prowess.

Mike Carberry

Mike Carberry

Financial Planner

Mike joined the team in January 2013, having been involved in Financial Services for over 30 years.

Mike specialises in the Group Employee Benefits market, providing advice and information and implementing Group Personal Pension Schemes, Group Life Benefits, Group Private Medical Insurance and Group Income Replacement Plans.  In 2015, he was awarded the Winner of Financial Adviser (subsidiary of The Financial Times) – Group Life and Pensions Award UK.

Mike prides himself on the face to face approach which is not always available in Financial Services.

Thomas Davies

Thomas Davies

Financial Adviser

After achieving his Degree in Finance and investment, Tom Joined the Penguin Team in April 2016. Since achieving his Level 4 Diploma in Investment Advice Tom has joined our growing advice team and is now on his way to becoming a Chartered Financial Adviser.

As part of the Penguin team, Tom helps advise our clients while also supporting the other advisers with report writing and cash flow modelling. Tom’s favourite part of the job is showing people that they can afford to retire long before they ever thought possible.

Outside of the office, Tom is a life-long Chelsea supporter and also enjoys keeping fit and travelling the world whenever he gets the chance

Liza Clarke

Liza Clarke

Business Manager

Liza is our Business Manager. She ensures the business runs smoothly on a daily basis and her role includes a range of responsibilities – from managing the finances and accounts to making sure the cupboards are stocked with nice coffee and treats for our clients.

Liza is actively involved throughout the business and is always on hand to offer support both to our clients and the rest of the Penguin Team.  Indeed, she is the ‘go to’ person for our Team.

Liza is friendly, caring and confident and has over 10 years’ experience in the industry.

When Liza isn’t busy juggling the many tasks that keep the business running effectively and efficiently, she enjoys her time away from the office travelling with her husband whenever possible. She also has a passion for cooking and loves to sample new recipes and cuisines

Lisa Rendell

Lisa Rendell

Technical Manager

Lisa has worked in financial services for over 15 years and started working as a Paraplanner in 2004.

Her role as Technical Manager here at Penguin involves completing a lot of behind the scenes tasks that make the business tick. She is responsible for much of the set up and design work for client Wealth Management Plans and client reports, analysing and assembling these to a personalised high standard for our clients.

Lisa is extremely focused, driven and meticulous to a high standard; you can always rely on her to get the job done and get it done right.

She also works to ensure our portfolios are invested correctly and she helps deal with any queries and questions our clients may have, whilst always supporting the advisers and ensuring recommendations given to our clients are correctly carried out.

On a personal note, Lisa always strives to achieve a work life balance. She is married with three young sons and loves spending her time away from the office enjoying quality family time with them.

Rhianydd Summerhayes

Rhianydd Summerhayes

Client Relationship Manager

Rhianydd is a caring and approachable ‘people person’ who spends her days putting our Clients’ needs first. She is friendly but professional and makes Clients feel welcome, valued, understood and is their first point of contact at Penguin.

Her achievements to date include a 2.1 BA Hons degree, Grade 8 in Musical Theatre and Grade 5 in Piano. These experiences have helped to develop Rhianydd into a confident and bubbly person.  These attributes make her shine in her Role as Penguins Client Relationship Manager.

Rhianydd embraces the ‘One Life – Live It Well’ motto. In her free time, she enjoys going to the Theatre, Singing, is a member of City Voices Choir, playing Netball, watching Rugby and is a season ticket holder for the Ospreys, and travels when she gets the chance.

Matthew Shanahan

Matthew Shanahan

Technical Assistant

Matthew has over 10 years’ experience working within the financial industry.  After two years working for a FTSE-100 company, he is excited to be back working within an industry he is passionate about.

His role here at Penguin is to support the advisers by undertaking research to identify suitable solutions to meet our client’s individual needs, as well as dealing with the implementation of any recommendations.

In his free time, he likes spending time with his family – going on long walks and camping trips. He’s never more at home than in front of a barbeque (weather permitting*). When he gets a chance to relax, he likes watching films and meeting with friends.

Matthew is a keen supporter of raising awareness for Autism, as this is something very close to his heart.

Nathan Cardy

Nathan Cardy

Technical Assistant

After completing his University degree in MSc Finance and Investment, Nathan joined the Penguin team with aspirations of becoming a Financial Adviser.

His role at Penguin is to support the advisers by undertaking research to identify suitable solutions to meet our clients individual needs, as well as assisting with the implementation of any recommendations.

In his free time, Nathan enjoys playing football for his local side and is a keen Manchester United supporter.  He often enjoys walks along the Gower Peninsula with his girlfriend and socialising with his friends

David Smith

David Smith

Technical Assistant

David works part time within the Technical Team and is also currently studying BSc Finance & Investment at the University of South Wales.

His role here at Penguin is to support the advisers by undertaking research to identify suitable solutions to meet our client’s individual needs, as well as dealing with the implementation of any recommendations.

He has just finished second year at university, winning an award for being the top performing student on his ‘Pensions & Retirement Planning’ module.

In his spare time, David enjoys traveling with his girlfriend and recently spent 3 weeks ‘inter-railing’ across 9 countries around Europe- his favourite destination being Lake Bled, Slovenia.

David is also a huge Newcastle United fan- howay the lads!

Kate Wellock

Kate Wellock

Client Relationship Assistant

Since graduating with a 2.1 BSc in Psychology and a PGCE, Kate has decided to make a change in her career path and has joined Penguin as our Client Relationship Assistant.  Her friendly and approachable personality comes from her background of being a former teacher, which is a valued skill in her new role.

Kate supports the Client Relationship Manager, liaising with clients on a day to day basis and focusing on putting their needs first.

Kate is a dedicated and motivated individual, who has a passion to travel, along with hobbies that include netball, cycling, swimming, and dog walking.

Ashley Evans

Ashley Evans

Brand Coordinator

After achieving high grading A levels in Media Studies, English Literature and Language, Ashley went on to work in the hospitality industry. During this time he gained a vast knowledge of customers and their wants and needs, and completed his Customer Services Level 1 Apprenticeship.

Ashley tried his hand in a variety of different roles but decided that Marketing was his passion.

As our Marketing Assistant here at Penguin, Ashley helps to put us in front of the world giving people the opportunity to find out about all the good work that Penguin do. He assists in developing and implementing effective long-term marketing plans and goals, whilst producing engaging content across all Social Media platforms, and creating essential work for distribution across the company websites.

Outside of the office, Ashley is a keen and enthusiastic drummer. Having played since the age of 11, Ashley enjoys playing gigs with his band. He also takes an interest in cooking new and exciting dishes and travelling as much as possible.

Cath Carberrry

Cath Carberrry

PA to Mike Carberry

More info coming soon.