Julie Hunt

Managing Director

I have over 25 years’ experience working in the financial services industry, and have a keen interest in positive psychology and the impact on working environments.

I play an active role in the day to day running of Face to Face Finance and Face to Face Estate Planning, both on the management and the back office side, proactively growing the company.

I am currently studying towards my industry Chartered qualifications.

Outside work, I am a Director of the St Kilda Club, promoting interest and friendship among those who have visited the islands. I’m also now a published author, my book, The Money Compass: An Insider’s Guide to Financial Success is an easy-to-follow guide which takes you through all the steps you need to build a clear picture of your finances now, and to create a plan to achieve the financial future you desire. You can get your hands on a copy here.

I am married, and love travelling, the more far flung the better!


Ralph Hunt

Financial Consultant

I have over 30 years’ experience in the financial services industry. Previously working at Acuma and Friends Provident, I became an Independent Financial Adviser in 2003. Although specialising in Investments and Pensions, I have presented on Inheritance Tax Planning, Care Cost and Equity Release over recent years.

I’m married and in my spare time I enjoy football and being father to three chickens and 60 fish!

SOLLA Accredited
SOLLA Later Life Lending

Bob Barringer

Chartered Financial Planner

I have over 20 years’ experience in financial services having previously worked for Friends Provident and St James’s Place before becoming an Independent Financial Adviser with Face to Face Finance in 2003.

I am a Chartered Financial Planner and have also been awarded a Fellowship of the Personal Finance Society.

I advise individuals, businesses and trustees and work with Accountants and Solicitors who refer their clients to me for their financial planning requirements. I specialise in Investments, Inheritance Tax and Estate planning and Pensions but am fully qualified to advise on all areas of financial planning as well as Wills and Trusts.

I’m married to Linda, have two grown up children and spend much of my spare time looking after an old house and doing the gardening basics (anything involving an engine) under the supervision of Linda!

Emma Knights

Emma Knights

Financial Consultant

I joined the team in June 2018 and have never looked back! My parents had already been clients of Face to Face for a number of years, having always enjoyed the experience from their very first interaction. Since starting my career in financial services in 2013, financial advice was the route I had always imagined I would follow. I really enjoy having something to keep me busy, so I’m working towards becoming chartered.

If you spot any cakes in our photos, it’s usually because I’ve been in the kitchen. I love trying out different recipes and attempting to make my creations look even better than they taste – though not every bake is photo worthy! I have recently started playing Netball again and try to get in as much shooting practise as possible at home.

Lukas Spyrou

Lukas Spyrou

Financial Consultant

I joined Face to Face Finance in January 2022 after completing my Diploma in Regulated Financial Planning and I also have a degree in Business and Marketing. I plan to continue studying towards Chartered status.

I work closely under the mentorship of Bob and love getting out to see our clients every day. I am passionate about building long-lasting relationships and providing tailored financial advice to meet the current and future needs and objectives of our clients.

Outside of work, I enjoy spending time with my wife and 2 young children. We like to holiday in the sun as much as possible, with our favourite place being the family home in Cyprus and we also regularly camp along the Norfolk coast.


Sophie Kemp

Operations Director

I started working for Face to Face in February 2019 as an Administrator and have since progressed to Operations Director.

My role in the company includes overseeing the daily activity of the team, managing the teams workload, reviewing and implementing our processes and training staff.

I am currently studying for the Diploma in Regulated Financial Services and have completed the R01, R03, R04 and R05 exams so far. I am very lucky to work in an office where I have made many friends and we are encouraged to develop ourselves professionally.

I have always lived in Norfolk and love making the most of what our beautiful county has to offer with my two young children. In my spare time I enjoy spending time with my family and friends.


Phoebe Self

Technical Administrator

I started working for Face to Face Finance in May 2017 and have progressed to Senior Administrator and Bob’s PA. My current role includes organising Bob’s work, meeting preparation and processing new business applications plus much more. I have passed two of the financial services qualifications, R01 and R05, and am now studying for the next exam. It is a pleasure to work in an office so welcoming and friendly and somewhere I can always expand on my knowledge and grow my career.

I have always lived and worked in Norfolk and my family and friends are very important to me. In my spare time I enjoy socialising and catching up with friends by going out for a meal or going to the cinema.


Elle Nichols

Estate Planning Co-ordinator

I joined Face to Face Finance as an Apprentice in 2020.

I have really enjoyed learning about the financial service industry and I am keen to expand my knowledge further.

My current role within the office includes answering and making client phone calls, booking in meetings, organising incoming work for Face to Face Estate Planning. I am also Julie’s PA and heavily involved in the marketing and social media.

I have lived in Norfolk my whole life and like to make the most of the beautiful surroundings. One of my favourite places to go is the Norfolk coast for walks with my dog and days out with family and friends.


Aymi Franklin

Technical Administrator

I started working at Face to Face Finance in November 2020. Since then, I have progressed to Technical Administrator and Ralph and Emma’s PA. My current role includes writing reports, creating valuations, booking client meetings, life office enquiries and other general office duties.

I am studying for the Diploma in Regulated Financial Services and have passed the R01 exam and am now studying for the next exam.

Outside of work, I enjoy seeing friends and family and going on holidays.

I really enjoy my job and I am very grateful to work in an office with such lovely people.


Jake Coe

Administrative Support

I started working for Face to Face Finance in September 2021 after completing two weeks work experience in the Summer of 2020. My current role includes writing reports, creating valuations, answering and making client phone calls along with other general office duties.

I plan to start studying for my financial service qualifications in the New Year and I am hoping to progress as far as possible in the company.

Outside of work I am a keen rugby player and a big football fan. Playing and watching sport with my friends is a key part of my life outside of the office.

I’m really enjoying working with Face to Face and I’m excited about what my future here could hold!


Lily Oldman

Apprentice Administrator

I joined Face to Face Finance as an apprentice in August 2021. My current role includes answering and making client phone calls, creating valuations, life office enquiries, writing up letters and more.

I am grateful to work in such a friendly office with lovely people and am enjoying continuously learning more and more about the financial service industry.

I grew up in Suffolk, close to the coast and outside of work, I love socialising and seeing my friends and family.


Reegan Onslow-Clarke

Apprentice Administrator

I began working for Face to Face Finance as an apprentice in January 2022. My current Role includes creating valuations, phoning clients, writing letters and life office enquiries.

I am enjoying working within a friendly team at Face to Face and learning about the financial service industry.

Outside of Work I am a keen football fan and enjoy both watching and playing it.

Eddie and piggy

Eddie Teddie

Director of Happiness

Eddie Teddie is Face to Face Finance’s company mascot and Director of Happiness. His aim is to help deliver happiness both amongst the team and everyone he meets.

When not busy spreading joy in the office, Eddie can often be found enjoying travel adventures with Julie or writing Children’s books; Eddie Teddie’s Big Summer of Saving, Eddie Teddie Goes on Holiday and Eddie Teddie and the Bees. His books are available to buy here.

You can follow Eddie Teddie on Facebook, Twitter or Instagram.