Joe Fowler

Joe is a Chartered Financial Planner at BHP Financial Planning, helping business owners and private clients make confident, well-informed financial decisions.

What makes Joe’s advice distinctive is a dual qualification that few financial planners hold. Alongside his Chartered Financial Planner status, Joe is also a Chartered Accountant (ACA), having trained at a Big Four firm within their Asset and Wealth Management audit team. With a decade of experience across accountancy and financial planning, he brings tax, business and personal finances together into one clear, joined-up strategy.

His clients often come to him when financial decisions are complex or high-stakes. He advises across retirement and pension planning, investment strategy, tax-efficient wealth accumulation, income strategies and inheritance tax and estate planning.

By understanding how personal finances, business finances and tax rules interact, Joe helps clients avoid costly surprises, make better-timed decisions and build plans that adapt as their lives change. Clients value him for his clear explanations, calm manner and genuine focus on outcomes.