About Penney, Ruddy & Winter

Penney Ruddy & Winter (PR&W) are Independent Financial Advisers based in the heart of the City of London. PR&W hold the prestigious Chartered status, meaning that we demonstrate the highest possible professional standards.

PR&W was formed in 2013 by David Penney, Peter Ruddy and Jeff Winter, who has since left the company. Peter and David previously worked together as Independent Financial Advisers and developed an extremely productive relationship, based on client care and highly technical advice. We identified the opportunity for growing a successful financial planning business and formed PR&W.

Our team includes two financial planners, each with different skills and fields of expertise, and both holding Chartered titles. The total sum of all client assets that we advise on exceeds £175 million. We are truly independent, with no outside influences.

We work closely with solicitors, accountants and other professionals, who refer their clients to PR&W for their financial planning needs. We value these recommendations from fellow professionals, as we understand the importance of providing the same level of client care that they have come to expect.

Our Team

Peter Ruddy

Peter Ruddy ACII ACIarb ABIBA, Chairman

Chartered Insurance Practitioner

Email: peterr@prandw.co.uk

View Peter Ruddy's profile on LinkedIn

Peter started his career at the General Accident. In 1977, Peter Ruddy & Partners was registered at Companies House. After 30 very successful years, Peter sold his business to an IFA in London, but continued to work as a self-employed consultant until 2013.Peter is a very well respected individual within the financial services industry and many of his clients are from within our industry.

Peter is a keen sportsman and a member of the MCC. Peter’s City connections include being a Liveryman of the Worshipful Company of Bowyers and having the Freedom of the City of London.

David Penney

David Penney APFS, Director

Chartered Financial Planner

Email: davidp@prandw.co.uk

David has been in the financial services industry since 1999, graduating from the University of Birmingham. David started out at the Financial Services Authority and has since worked for a number of blue chip organisations, including Barclays and Deloitte, as well as a medium sized IFA company alongside Peter Ruddy.

David is a General Practitioner, dealing with retirement planning, investment planning and estate planning, but he specialises in pensions advice. David is an Affiliate member of Resolution, an organisation of family lawyers, as he is an expert in the area of Pensions & Divorce. He is also a Pension Transfer specialist and can deal with any area of complex pensions advice.

David is also a Freeman of the City of London.

James Latchford

James Latchford Dip PFS

Financial Planner

Email: jamesl@prandw.co.uk

James has worked in the financial services industry since 2006 when he started working for Peter Ruddy and later David Penney. He joined Penney Ruddy & Winter Ltd at the outset. James has a Diploma in Regulated Financial Planning and is currently studying for the Advanced Diploma in Financial Planning to achieve Chartered status.

James is a Freeman of the City of London.

John Latchford

John Latchford


Email: johnl@prandw.co.uk

John graduated in 2005 and started working in financial services in 2011, when he started working with Peter Ruddy and David Penney. He joined PR&W in 2014 and has started the CII examinations.

John is a Freeman of the City of London.

Charlie Edwards

Charlie Edwards Dip PFS, Director

Compliance Officer

Email: charliee@prandw.co.uk

Charlie has been working in the financial services industry since 1985, starting his career with Albany Life, later to be merged with Canada Life. He worked in a variety of roles, including sales and technical training, before moving into compliance. He has extensive compliance and regulatory experience, having worked for national compliance support companies including The Tenet Group, and for over ten years with Bankhall PMS Ltd, more recently setting up his own successful Compliance Consultancy company.  He subsequently joined Penney, Ruddy & Winter Ltd as a Director and as our Compliance Officer in August 2016.

Karen Spencer-Ruddy

Karen Spencer-Ruddy

Accounts Manager

Email: accounts@prandw.co.uk

Karen started her career in 1970 as an Accounts Assistant. In 1981 she was employed to help build and run a new Architectural Employment Agency. In 1993 she went into Partnership and ran her own Agency. Since 2001 Karen has been self employed working for various small companies dealing with their accounts. Karen joined PR&W in 2014. Karen has the Freedom of the City of London.

Jane French


Practice Manager

Email: janef@prandw.co.uk

Jane has extensive experience in financial services gained within an insurance provider, two UK retail banks, a number of IFA practices both large and small, a tax, trusts and financial services consultancy firm, a financial services software systems company and the Financial Ombudsman Service. Jane has held research, technical and analyst roles focusing in financial planning, pensions, investments, compliance and regulation including working on Financial Conduct Authority thematic reviews.

Kim Gould

Kim Gould

PA & Office Manager

Email: kimg@prandw.co.uk

Kim has extensive experience as an office manager and as a PA to Directors, for the past 9 years this has been within a Family Office involving the management of trusts and the investment of the trust funds. Kim’s previous roles include working in a Mergers & Acquisitions firm and as an Estate Agent. Kim holds the Level 3 CPD Award in Office Management gained with a distinction.