Liz Harris joined 2mtrust in 2022 as a Paraplanner. Working closely to support our Financial Advisers, Liz is a caring and encouraging member of the team, with a heart to deliver excellent customer service.

If you know Liz, when she’s not in work-mode you know she’s a very adventurous person who loves to explore outdoors and be submerged in nature – the more trees or open water the better!

We asked Liz a few questions so you can get to know here a little better. This is what Liz had to say -

1. What did you do for a job before coming to work with 2mtrust?

I worked for Kirklees council as a call operator with Council tax, Housing repairs, payment line

I always made sure I sorted the problem out on the call. Making 60 calls a day

Previous to this I had my own business providing green screen souvenir photos for National Coal Mining museum

2. What do you like to do outside of work?

How long do you have?! I have two allotments, play tennis, Badminton, love wild water swimming, walking in nature, pastel art (I actually sell some of my art online) and I’m even thinking about getting an ice bath.

Liz Harris - 2mtrust Paraplanner

3. What has been your favourite holiday so far?

Anywhere in the Lakes, where I’m planning the whole day

4. What is your favourite meal of the day?

Breakfast – Yoghurt cinnamon, nuts, rhubarb chutney (From the allotment)

Although Puddings are a massive hit, sadly I can’t consume those daily!

But sticky toffee pudding and date crumb, huge jug of custard is top spot

After dinner – Cheese and crackers

5. What are your favourite colours?

Greens & blues

6. What is your favourite season and why?

Late Autumn – colours of the trees, first frost, misty vistas low sun, cloud inversions, currently love chasing Auroras

7. What is your favourite film, tv show or book and why?

Mclouds Daughters

Hamish Mcbeth



I love 80s programmes

8. What advice would you give your teenage self?

Whatever comes in to your head just do it

9. Do you have a life/family motto?

“An hour of planning can save you 10 hours of doing”

“We have sunset resets – to restart your day”

“I love woods & trees – Forests are for rests”

10. What is (or what would be) your karaoke song?

Anything soft Rock from the 80s - Journey “Don’t stop believing”

So, did you learn something new about Liz Harris?

Liz settled into the 2mtrust team and currently works primarily supporting Financial Advisers Colin Blois and Dan Cassidy with their clients’ financial planning.

“Liz has been a client of 2mtrust for over 20 years. When we were looking for a new member in our support team we knew Liz had won awards for delivering outstanding customer service. And we were delighted when she agreed to join us!” – Mark Townson, Practice Principal




Approved by The Openwork Partnership on 27/12/2023

Catherine Bockett joined the 2mtrust team in 2022 and is a licensed Financial Adviser. With a passion to be approachable and give easy-to-understand advice, Catherine quickly picked up the heart of 2mtrust and is keen to educate and advise generations of families with their financial planning.

However, there’s much more to Catherine than mortgage rates and protection policies! With a grown family of her own, years of travelling experiences and many adventure stories to tell, we asked her a few questions so you can get to know her a little better.

Here’s what Catherine had to say -

1. What did you do for a job before coming to work with 2mtrust?

I have been self-employed for 20 years, working from home as a proof reader, transcriber and administrator. So at 2mtrust I am comfortable working by video calls – but love to also meet up with clients face to face

2mtrust - Catherine Bockett - Financial Adviser

2. What do you like to do outside of work?

I row on the River Tyne; I like the cinema and theatre; I spend time with my family, enjoying meals or out walking

3. What has been your favourite holiday so far?

I love family holidays of any variety, home or abroad, but I also had a memorable holiday 30 years ago when I returned as an adult to my childhood home in Uganda, and had the chance to relive memories.

4. Do you speak any other languages?

I studied French and Spanish at university, so can just about get by with those!

I love languages, so when working abroad in the past I have taken time to learn local languages including Nepali, Sinhala and Pidgin English.

Catherine Bockett - walking

5. What is your favourite film, tv show or book and why?

I love the book ‘Flowers for Mrs Harris’ by Paul Gallico, which came out as a film last year – Mrs Harris goes to Paris. It’s a gentle story set in London and Paris post-WW2, which restores your faith in human nature.

6. What is your favourite meal of the day?

It would have to be our evening meal. It’s the only one where everyone gets together round the table.

7. Do you have any pets?

We have a miniature Schnauzer called Griffin, who is much loved by the whole family. I’m the dog walker five days out of seven!

8. Do you have a life/family motto?

‘Don’t take any wooden nickels’ - quite appropriate for someone giving financial advice!

9. What advice would you give your teenage self?

Always be curious – there is so much to learn beyond what is immediately around us.

10. What is (or what would be) your karaoke song?

I’ve never participated in Karaoke, but I think it would have to be an Abba song, maybe ‘Waterloo’.

So, did you learn something new about Catherine Bockett?

We think Catherine has fit right in at 2mtrust and we look forward to seeing her grow even more as she continues to care for her clients.

“Catherine brings a wealth of experience to her role and she is committed to helping others and finding the very best solutions for people's financial needs” – Mark Townson, Practice Principal




Approved by The Openwork Partnership on 27/12/2023

Simon Keeble and James Salt joined 2mtrust in 2022 and are both currently studying to achieve their CII Diploma in Financial Planning through the Openwork Partnership Business School.

With six exams, plus 2 licensing courses, this is no small feat. They are on track to complete this Level 4 qualification in early 2024 and we’re excited to see them progressing through the training.

Being part of a thriving Financial Practice has allowed Simon and James to work alongside our established financial advisers and support team to gain valuable experience about the systems and processes used to deliver holistic and appropriate financial advice for our clients.

We asked James and Simon what they have enjoyed about their training so far –

“So far I think I learned the most doing the RO2 exam about Investment Principals and Risk. However, I have really enjoyed the training focussing on how to provide top-quality advice to clients in a financial review. I love being able to help people and feel like this training has consolidated the other knowledge I have amassed throughout the course up to now.” – James Salt, Financial Adviser at 2mtrust

“I have enjoyed RO3 the most so far because it focusses on tax planning – which means there are lots of calculations that play to my strengths as a mathematician.” – Simon Keeble, Financial Adviser at 2mtrust

Both Advisers are so close to completing their Diplomas and we’re looking forward to celebrating the day they have finished all six of their exams.






Approved by The Openwork Partnership on 27/12/2023

2mtrust is a Financial Services Practice with three individual Chartered Financial Planners within our team -

  • Dan Mallery
  • Matt Dawson
  • Mark Townson

We’re excited to also have two more Advisers going through the training and examination process so that they can each move from being Diploma qualified and become Chartered in their own right

But what does being Chartered mean?

Being a Chartered Financial Planner recognises individuals within the Financial Services industry who

There is then an onus on the member to show that they continue to strive for the highest ethical standards alongside maintaining their qualification level and superb client outcomes

We work hard to ensure our Financial Advisers within the Practice are able to deliver suitable advice - and are always up to speed with compliance and processes

The Chartered hallmark isn’t just a symbol of industry expertise - it also upholds a standard of community

As part of being a Chartered Financial Planner – each individual is required to achieve the Certificate of Professional Standing each and every year through the completion of Continuing Professional Development (CPD) They are also expected to demonstrate their commitment and service outside of Financial Services as a member of society

As a Practice we encourage our team – whether Chartered or not – to support a charity or their local community in some way

We believe volunteering is an integral part of supporting a community and these are some of the ways our team help:

Although this isn’t an extensive list it does give a good idea of how our work family spend some of their time to help within their community - whether we’re in the North East, Scotland, Yorkshire or further away - there’s always a good cause to get involved with and give something back

Giving back to the community is part of the Chartered Membership

You don’t just pay a fee and get given a badge of honour - every single member has to earn their Chartered badge

That’s why we're proud to tell you Dan, Matt and Mark have definitely earned theirs!




Approved by The Openwork Partnership on 13/12/2023

The relationship between a business and its clients is very special – and essential to the success or failure of a business. Would you agree?

Building and maintaining relationships with our clients is priority for 2mtrust.

We love our clients because we care about them as people – as human beings with their own lives, thoughts, opinions and goals in life. Therefore we enjoy getting to know each and every individual as a person and then as a client.

2mtrust has proven to be unique in the way our team has grown over the years.

Because we prioritise relationship over sales, we’ve really gotten to know families and friends at a level that’s uncommon in other industries.

Your Financial Adviser probably knows you better than your own parents do! *

* OK, this statement is probably not 100% accurate but hopefully you understand the point we’re trying to make – we really do get to know our clients well and professionally discuss topics and aspects of life that you don’t openly share with family and friends.

With this said we have recently reflected on another aspect of 2mtrust which demonstrates this very ethos –

Because we get to know our clients so well, every now and again, they become part of our work-family! A known client is welcomed into the fold and is easily able to build upon the existing relationships within the team.

Did you know that almost 40% of the 2mtrust team started off as clients? **

2mtrust is 100% built upon long-lasting relationships – stemming from Mark Townson’s 30 year career in financial services - and we’re extremely grateful that each member of the team shares the same heart to get to know our clients.

Thank you to every member of the 2mtrust team for upholding this standard and caring for every single one of our clients. We work together to deliver the best service we can for clients, their needs and their families.

Here’s to many more years of building relationships and watching families grow from generation to generation!

** 10 out of 26 people = 38% of the 2mtrust Team

Approved by The Openwork Partnership on 28/11/2023

We recently packed our bags and travelled down to Wales for an overnight stay at the beautiful Celtic Manor.

No this wasn’t just a very extravagant 2mtrust team meeting - we made the most of the trip to attend the Personal Finance Society Conference at the ICC Wales.

Although it was a very long journey for most of the team we enjoyed time together in the evening and explored the conference the following day.

With informative seminars and a variety of exhibitors to chat to, everyone spent the day soaking up the atmosphere and seeing who could get the best merch!

When we weren’t “playing” we were learning and networking.

We asked everyone what “golden nuggets” they came away with from the PFS Conference -

“Having the attitude to serve our clients – we have something to give rather than something to get” – Colin Blois

“Having a heart for inter-generational planning so that each generation in the family becomes clients” – Catherine Bockett

“Taking all the ideas and updates from the conference and using them to improve both personal/individual experience, the clients experience and the experience of 2mtrust as a whole” – Sue Townson

There was so much covered at this event and it was great to spend the time together, learning how we can build upon the foundations we already have - to love our clients even more!

Thank you and well done to everyone involved in organising the Personal Financial Society Conference 2023 including the seminar speaker and exhibitors. Our team came home with a fair few lovely freebies from the suppliers! After all, isn’t that part of why you go to a conference?

Dan Cassidy has been part of the 2mtrust team since 2019. He trained through The Openwork Partnership Academy (now known as The Openwork Partnership Business School) and qualified as a licensed Financial Adviser in 2021.

Dan has been happily helping his clients with their mortgages, protection and financial planning solutions and we’re glad to have him as part of our work family! But that’s enough shop-talk for now…

We’ve asked Dan some questions so you can get to know him a little better. Read on to find out more about Dan – you might even learn something new!

1. What did you do for a job before coming to work with 2mtrust?

I worked for a couple of churches doing various things - including helping with children and youth events, media production, student bible studies and a bit of music. I also did some surf instructing part-time.

2. What do you like to do outside of work?

Anything in the water! I particularly enjoy surfing and paddleboarding. On land my go-to sport is golf.

My perfect weekend would consist of a round of golf in the morning followed by a surf in the afternoon, then a walk up a hill or on a beach followed by a pub lunch, rounded off with watching the F1.

Dan Cassidy - 2mtrust Financial Adviser

3. What has been your favourite holiday so far?

In my opinion you can’t beat a ski holiday on the slopes! (I’m a snowboarder)

Although for our honeymoon we went to Corfu, Pisa and Florence which was awesome!

4. Do you speak any other languages?

Je parle un peu français y un poco de español

5. Do you have a favourite food?

A nice rare steak – big fan of the butchers block at Miller & Carter

6. What is your favourite film, tv show or book and why?

Clarkson’s Farm – the best series I’ve seen in the last few years and I’m eagerly awaiting season 3!

I’ve always been a fan of Jeremy Clarkson since growing up watching Top Gear on Sunday nights but it was really entertaining seeing him out of his comfort zone and humbled by how useless he is at farming – and having to rely on the help of Kaleb and others. But Gerald will always be the true star of the show…

7. What is your favourite season and why?

Summer for the golf, beer gardens and paddleboarding

Autumn for the surf!

8. Do you have a life/family motto?

Put God first and trust that everything else will fall into place
(with Matthew 6 verse 33 in mind)

9. What advice would you give your teenage self?

Take up golf NOW! It’s not lame and you could do with the practice…

10. What is (or what would be) your karaoke song?

I’ve never actually done karaoke before but I think once I got going you’d struggle to get the mic off me!

Me and my Dad do a passable rendition of The Sound of Silence by Simon & Garfunkel… If it was just me I might go for Everglow by Coldplay

So, did you learn something new about Dan Cassidy?

Not only is he a great Financial Adviser but we think he’s a great guy!

“Dan’s passion for surfing is matched by his passion for holistic financial planning. He works with integrity and always puts the client at the centre – he is a real asset to 2mtrust” – Mark Townson, Practice Principal





Originally approved by The Openwork Partnership on 04/10/2023
Reapproved by The Openwork Partnership on 09/01/2024

Hello there! I’m Karoline and I’m one of the Investments and Pensions Advisers here at 2mtrust and I help people plan for their retirement and invest their money appropriately.

One of the most frequent questions I’m asked is: “Why is a financial review so important?”

Well, an annual review with your financial adviser helps you –

✔️Keep your financial goals and ambitions in focus
✔️ Check your money is in the right place
✔️ Make sure you’re using all your tax allowances appropriately
✔️ Stay in control and understand your finances better

Because investment returns can go up and down over time - part of my role is to produce annual investment reports for our clients. Not only do these help you keep track of your pensions and investments - I find them super satisfying and interesting to do too!

Whether you are wanting to invest long-term for your retirement, a future income stream, or perhaps support your children as they move into adulthood, we look at the bigger picture to find the right solution for each individual client’s needs.

I love helping clients make the most of their money and annual reviews are a great way of ensuring we're monitoring the progress of your investments, discussing your financial goals and making any adjustments needed as your circumstances change over time.

I joined the support team at 2mtrust in August 2020 and qualified as a licensed Financial Adviser in March 2022. I live in Gosforth, Newcastle upon Tyne with my son Kallum, 2 slightly hyperactive cats called Charlie and Nyssa, as well as Shadow the mischievous Cavapoo – who you may have spotted in some of the 2mtrust social photos. We do love a good walk on the beach!

Outside of work, I am a Families Worker at Mothers' Union supporting families within the local community and a trustee of Northumbria Deaf Church, which works to provide services that are accessible to all.


The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen


Approved by The Openwork Partnership on 13/06/2023

2mtrust are an award-winning Chartered Financial Practice!

In December 2022 members from 2mtrust attended The Openwork Partnership Bitesize Buzz Meeting - hosted online - where the winners of The Northern Regional Awards were announced

2mtrust were awarded not one - not two - but three awards by The Openwork Partnership Northern Region team:

2mtrust - Best Firm Improvement of Funds under Management
Liam Richardson - Best Newcomer Protection Adviser (2mtrust)
Esther Orridge - Best Marketing and Social Media Presence (2mtrust)

The Openwork Partnership team - who oversee the financial advisers and financial planning firms based in the North of England - have hosted the Northern Region Awards for the past 2 years to highlight outstanding practice and development of firms and their employees

We'd like to say a big "well done!" to Liam Richardson and Esther Orridge for their individual awards - both who joined the 2mtrust family in 2021

We'd also like to say a big "thank you and well done" to Dan Mallery who received a special mention as a primary contributor towards the "Best Firm Improvement of Funds Under Management" awarded to 2mtrust as a Practice.

Dan is one of the Chartered Financial Planners at 2mtrust and he helps clients with their pensions and investment planning

Liam is our Protection Specialist and he helps clients find the right insurance policies for them

Esther is our Media Leader and has helped 2mtrust grow their digital presence through Facebook, LinkedIn and our shiny new website!

Thank you to Julia Smith and the Northern Regional Team at The Openwork Partnership for organising the awards and choosing 2mtrust for these categories. This was a great surprise and felt like an early Christmas present! We look forward to seeing what 2023 will bring




Approved by The Openwork Partnership on 08/06/2023

Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage, lender conveyancer and even removal company for you.

We’ve put together some ideas to try and take away some of the stress and confusion and give you confidence to move through the home buying process as smoothly as possible.

Get the right advice

Of course, we’re going to say that - it’s what we do! We’ll review your circumstances and look at your income, debt, day-to-day outgoings, employment and the size of your deposit, to assess what you can afford to borrow now and in the future. We’ll talk you through the types of mortgages we think are right for you and the lenders who offer them.

Save as much as possible

Buying a house is going to be expensive so it’s important to save, save, save to get yourself in the best position possible. Some lenders will accept a minimum deposit of 5% of the cost of the house you’re buying but aim higher. The bigger your deposit, the smaller the mortgage (and monthly mortgage payments) making you more attractive to a lender.


We can all admit that it is easy to get a little carried away when looking for our ‘dream’ home, but sometimes buying your first house is all about compromise. Deciding what you’re prepared to compromise on is an essential step when considering your first home. Whether it’s the luxury of having extra bedrooms or a bigger garden, it’s unlikely that you’re going to get everything you want at a price you can afford.

Know your budget

Your hard-saved deposit and monthly mortgage repayments aren’t the only expenses you need to be mindful of when buying your first home:

Talk to us and we can help with practical financial advice on your first and future home purchases.


Approved by The Openwork Partnership on 16/03/2023.

When using key takeaways and social media text posts on their own, you need to ensure you include the mortgage warning, otherwise your post will not be compliant.

Key takeaways:


2mtrust is part of The Openwork Partnership. This blog was written exclusively for Partner Firms of The Openwork Partnership - sourced via Smart Hub