Michelle’s story
Michelle Willcock, senior chartered financial planner
What inspired you to follow a career in financial services, and how did you get started?
I began my career in financial services in 1987 with a well-known bank. I initially trained in various back-office roles before moving into client-facing positions, such as cashier and customer service representative.
Over time, I progressed to become a customer account manager, which entailed building strong relationships with clients, arranging personal loans, and referring clients to specialists such as mortgage advisers and financial planners.
This exposure sparked my interest in becoming a specialist myself. I trained as a mortgage and general insurance adviser, which deepened my relationships with clients and allowed me to support them more holistically.
I found myself increasingly curious about the outcomes of the financial advice my colleagues provided, and I aspired to be the person to whom they referred clients.
With the support of the bank, I obtained my qualifications to become a financial planner. This led to a role as branch manager, which involved assisting clients with all aspects of their financial planning.
My desire to offer a broader range of solutions and truly independent advice inspired me to join Francis Clark Financial Planning in 2001 as an independent financial planner.
Since then, I’ve continued my professional development, achieving Chartered status and becoming a Fellow of the Personal Finance Society – milestones that represent both personal pride and professional accomplishment.
Have you had any role models or mentors who have helped your progress?
Early in my career, I was inspired by the financial planners I worked alongside at the bank. Their expertise and the impact they had on clients motivated me to follow a similar path.
Later, at Francis Clark Financial Planning, my former manager played a pivotal role in shaping my career and encouraging my growth.
What have been your most rewarding career moments so far?
Achieving Chartered status and becoming a Fellow of the Personal Finance Society stand out as the “most rewarding moments” in my career. They marked the culmination of years of study and dedication, and the relief of knowing I’d completed my exams.
How has gender diversity changed in financial services during your career?
When I joined Francis Clark Financial Planning, I was the only female adviser for many years. This was especially noticeable at external CPD seminars, where I was often the only woman in the room. Thankfully, the landscape has changed significantly, with many more female financial planners now entering and thriving in the industry.
The financial services industry has made great strides in promoting gender diversity, and I believe we’re on a positive trajectory. While further changes are needed, continued support, visibility, and inclusive recruitment practices will help maintain momentum.
What advice would you give to young women who are thinking about entering the profession?
Go for it!
A career in financial services is rewarding and offers excellent prospects. Many clients appreciate having the option of a female adviser, and the industry offers diverse opportunities to grow, specialise, and make a meaningful impact.
I take great pride in my work and am deeply conscientious. Helping clients achieve their financial goals and aspirations is incredibly fulfilling, and that sense of purpose continues to drive me forward.