Lombard Wealth Associates Limited

Partner Practice of St. James's Place Wealth Management


Ryan Rispoli DipFA, Director

Ryan has been providing financial advice and has been a member of the London Institute for Banking and Finance since 2007, he states the Key to providing good advice is to listen and fully understand the client’s needs both now and in the future. Then make a clear plan on how to achieve any goals followed through with a step by step process.

Ryan prides himself on building strong relationships so all clients know they can call him with questions anytime and they will receive clear honest answers they can rely on.

Ryan is Married and a father of two, In his spare time he enjoys cycling and he states he is keen to pursue more winter sports.

Click to Email


Zoe Newman, Practice Manager

Zoe Has worked as a Personal Assistant and Office Manager in the Financial Services Industry for over 20 years, predominantly for Partners in St. James’s Place. This gives her key skills to make sure Lombard Wealth Associates Limited back office operates as efficiently as possible.

Zoe has three children and in her spare time is a keen runner and gym enthusiast.

Tel: 020 7744 4417


Ian Curle, Business Development Manager

Ian joined the financial services industry in 1972 and specialised in providing solutions to medium and large corporate clients on their employee benefit packages. He spent many years working at Director level for large corporate organisations but was also involved with small companies which has provided him with a wide spectrum of experience.

Ian's main interests, apart from the investment world, include golf, chess, politics and holidaying with his family.



Paul Stenning, Adviser

Paul has been involved in financial services for around 30 years, and has a wealth of experience to offer in many areas of personal financial planning. His base is in the City of London, where for many years Paul was involved in investment banking, and was a Partner of St. James's Place Wealth Management from 2002 to 2018. He is now a Financial Adviser at Lombard Wealth Associates Limited which is a Partner Practice of St. James's Place Wealth Management.

Paul offers a highly professional, individual service in all areas of wealth management, and works closely with his clients to ensure the most effective financial planning is in place - and reviewed regularly to take account of changing circumstances.

As a result, several of Paul's clients have been benefiting from his advice for over 20 years and the vast majority have come to him by recommendation.

Paul can help with almost any aspect of personal finance.



Theresa Elsey PFA, Adviser

Having over 30 years experience in Financial Services, Theresa firmly believes that careful planning can determine your financial wellbeing.

In 1984 Theresa started her career in Financial Services with Barclays Bank and remained there until 2011. During this time she worked in Dartford, Gravesend, Maidstone and Medway areas looking after personal and business clients.

It was in the beginning of 2011 that Theresa was invited to join St. James's Place Wealth Management as a Partner. In March 2020 she joined Ryan and the team at Lombard Wealth Associates enabling Theresa to provide a more bespoke service to her clients.

As a keen traveller Theresa plans to ride her motorbike in each continent. With Europe and America already completed she is currently preparing for her next challenge.

Theresa has a grown up daughter and lives in Rainham Kent with her dog Nelly and two cats.



Hayden Franklin, Paraplanner

Hayden graduated from the University of Essex with a 2.1 in Bsc (Hons) Banking and Finance after which he has worked as a Paraplanner within Wealth Management for 3 years starting out in Bath and eventually moving to London. Hayden undertakes the technical analysis within our business analysing and comparing all aspects of financial advice to assist the advisers in providing the highest quality and bespoke advice for all our clients.

Hayden is continuing his studies within Wealth Management as he is currently studying towards the Diploma in Regulated Financial Planning with which he aims to become an adviser within Lombard Wealth Associates.

In his spare time Hayden enjoys watching a majority of different sports, most importantly following his beloved Aston Villa Football Club.



Jessica Muirhead, Administration Assistant

Jessica has worked for Lombard Wealth Associates for almost 2 years and has developed her skills within office administration and has since achieved her Silver accreditation level. She continues to develop her skills in all areas to help the back office run efficiently alongside Zoe and Brook.

In her spare time she enjoys spending time with her family and friends.



Brook Felus, Technical Personal Assistant

Brook has worked within Wealth Management for over 2 years, first starting out as a Team Secretary within St James’s Place and has joined Lombard Wealth Associates in October 2019 as a Technical Personal Assistant. Over her development, Brook has ascertained a majority of different skills to effectively help Zoe, Hayden and Jess run the back office smoothly and efficiently.

Brook is continuing her learning of Wealth Management and is currently studying towards the Diploma in Regulated Financial Planning where she has the desire to become a Financial Adviser within Lombard Wealth Associates in the future.

In her spare time Brook enjoys sport and fitness, especially CrossFit along with shopping and spending time with her friends and family.