Wayne Musker

DipCII, Certs (MP&ER)

Following a successful career in travel, Wayne first entered the world of finance in 2003 and worked in a variety of disciplines until qualifying as a Financial Adviser in 2006.  Initially working for Barclays Bank, Wayne was then headhunted by Royal Bank of Scotland in 2009 before starting Financial Fortress Ltd in 2013.


Over the years, Wayne has developed extensive relationships with other experts in law, accountancy, banking and finance to work collaboratively in the best interests of our clients where necessary.  Outstanding client service, honesty and integrity is Wayne’s key to success.



• QCF Level 4 (via CF1 – CF5)

• CF6 - Mortgages

• CF8 – long Term Care

• ER1 – Equity Release

• J01 – Personal Taxation

• R01 – Regulation and ethics

• R02 – Investment principles & risk

• R04 – Pensions and retirement planning

• R06 – Financial Planning Practise

• AF3 – Advanced Pension Planning


Outside work

Wayne lives in Upton, Chester with his wife Nicki and 3 sons Joshua, Isaac and Noah.  Hobbies include squash, cycling, camping and following Liverpool FC (although you shouldn’t hold this against him!).


Wayne is committed to our community and is involved coaching Children’s football with Newton Athletic and is on the committee.  He is passionate about good causes and regularly supports Mersey Kidney Research in their fundraising efforts.












Following obtaining his honours degree in 1997, Malcolm immediately entered finance working for Britannic Assurance as a financial adviser.  After moving to an independent advice company 3 years later, Malcolm then joined NatWest Bank as a mortgage adviser covering Chester and North Wales.


Over the years, Malcolm has become a true specialist in mortgage’s and provides top quality advice to those buying their first homes, re-mortgaging and home movers.  Having local relationships with property lawyers and estate agents means Malcolm provides a joined-up approach ensuring the house buying process is as smooth as possible.


Knowledge of everything house buying is Malcolm’s success who describes service, service and service as being the key.



• BSc (honours) in Mathematics and statistics

• Mortgage Advice Qualification (MAQ)

• Financial Planning Certificate (FPC)

• Life and Pensions Certificate


Outside work

Malcolm lives in Tremeirchion, North Wales with his wife Ceri and son Jac.  Hobbies are all centred around the family but include keeping fit and swimming.  Malcolm also supports Liverpool FC.












Dave served as a Police Officer for over 28 years with the Met Police, Greater Manchester Police and latterly the National Crime Agency.  After taking early retirement, Dave was recruited by Financial Fortress as Office Manager and Para-planner.


Over the years, Dave has developed extensive skills in financial investigation, money laundering and recovering the proceeds of crime which has provided a deep insight into the financial services industry.  In-particular how to spot scams and keep our clients safe.


Dave is hoping to qualify as a financial adviser over the next few years and recognises the importance of our role in ensuring complete financial security to our clients.


Outside work

Dave lives in Chester with his wife Pippa and son Ben and can usually be found on the side of a football pitch either watching Ben or the mighty Liverpool FC with his season ticket.


Dave is committed to our community, is a qualified football coach with Newton Athletic and is a keen supporter of Claire House Children's Hospice.  He was invited to the Queen’s Garden Party 2016 in recognition of his personal fundraising, completed in memory of his daughter, Libby.

Malcolm Gorton BSc (hons), MAQ

Dave O’Brien


Tel: 01244 319962

Copyright 2016 Financial Fortress Ltd


Financial Fortress Ltd is authorised and regulated
by the Financial Conduct Authority. Reg no: 753489.


Registered office, 14 Horrocks Road, Chester, CH2 1HE.  Company number:  9180267.