In 1986, Paul Littler and Elizabeth Smith joined Richard Bamber Senior, forming the partnership that would go on to build the foundations of the business we know today.

In those early years, financial services looked very different from today. Clients were served face-to-face from offices in Formby and Crosby, with advice built around sitting down with people, understanding their circumstances and helping them make important decisions about their finances.

There was no online banking, no video meetings and certainly no smartphones or apps. Financial advice, insurance broking and arranging a mortgage were all built around personal relationships and trust.

That personal approach became part of the character of the business.