Phillip Instone

I have been in financial services since 1993, and advising since 2000. After 17 years in the banking industry, I started my practice in 2011 and joined the Fairstone Group in 2025. I engage regularly and clearly with my clients, providing guidance and market commentary, and often challenge them to maximise their lifestyle and sustain their financial independence for the rest of their lives.

In a world of excessive information, I cut through the noise and enjoy streamlining my clients’ affairs, providing tax efficient solutions that aim to maintain and improve their financial standing. Myself and my team take time to build reassuring, long term relationships with every one of our clients, always on hand to answer queries, provide useful direction and to keep our clients and their financial affairs on the right track. We specialise in Retirement Planning, and spend a large part of our time working with clients as they negotiate their “Runway to Retirement”. We help Business owners tax effectively move their wealth from their Business to their Private life and we guide clients to realise their dream of retiring early. We also act as a financial partner to get the best out of their finances after they stop building and start drawing from their accumulated wealth. We fully appreciate the challenges around increasing estate values and tightening taxation, and we work closely with our clients to help them mitigate tax and preserve more of their estate.

Finally, we recognise the tremendous impact that that the right Protection can have on a family or a Business, whether it be to address a tax liability or ensure the financial security of a client’s family in the event of a serious event. As a result, we provide market leading solutions from reputable and highly competitive insurers to ensure our clients have the right cover, at the right time and at the right price.