Meet the Team

In Memory of Clive Ponder

Founding Director – CTT Tax & Trust

It is with profound sadness that we share the news of the passing of Clive Ponder, one of the founding directors of CTT Group.

Clive was a man of extraordinary vision, strength, and determination, whose passion laid the foundations of our business. Clive was more than a leader – he was an inspiration, known for his booming voice, unmistakable laugh, and genuine care for the people who worked alongside him, as well as the clients and industry that we serve.

Clive believed in striving for excellence and dedicated his life to making that vision a reality. He will be deeply missed, but his legacy will continue to shape our business for years to come.

With deep gratitude and appreciation, we honour his memory. If you wish to pay tribute, please click here.

Bob Massey

Founding Director – CTT Tax & Trust

Charlotte Ponder

Legal Director – CTT Tax & Trust

Charlotte was appointed as the Legal Director in 2017 and plays a pivotal role in overseeing risk management and anti-money laundering compliance. She became a full TEP in 2017 following her completion of the STEP Diploma in Advising Vulnerable Clients. Charlotte regularly speaks at industry events and attends meetings with key stakeholders in the legal sector such as the Law Commission.

She was a member of the Industry Working Group (IWG) on Electronic Execution of Documents established by the Ministry of Justice, a 3 year appointment looking at increasing confidence and reliance on the electronic execution of documents across law and industry. The Group’s Final Report was published in February 2023.

Charlotte is passionate about encouraging others to follow careers in Private Client, Legal Tech and Legal Project Management and has taken part in events at local high schools, colleges and universities to highlight the diverse range of roles available.

Spencer Tattam

Technical Director – CTT Tax & Trust

A Financial Adviser with over a decade of professional experience, Spencer has developed a career driving technical innovation within the financial planning and estate planning industry.

Appointed Technical Director of CTT in 2017, Spencer has developed a reputation for technical expertise and is a renowned presenter throughout the industry.

He is a full member of the Society of Trust and Estate practitioners with a STEP Diploma in Trusts and Estates in addition to being an IFA qualified to the DipPFS level.

Spencer is highly regarded by his industry peers and widely respected for his innovative solutions and friendly, approachable nature. He enjoys nothing more than furthering the solutions developed for a wider audience of clients and is heavily involved in the technical development of the market-leading Legacy software.

Andrew Houston

Managing Director – CTT Tax & Trust

A chartered fellow of the Chartered Institute for Securities & Investment (CISI), Andrew has a reputation for excellence, professionalism and integrity and excels at achieving high-quality results for his clients in challenging situations.

As a former professional rugby player and coach, Andrew brings the same energy and enthusiastic approach to his work at CTT Group, in addition to 32 years of experience in Wealth Management.
He thrives on building and developing teams and is respected for working collaboratively with others at all levels.

Andrew is a strategic leader who prides himself on providing exceptional customer service to his clients, being highly effective at turning unprofitable into profitable and using analytical reasoning to solve problems.

Anthony Mbanefo

Group General Counsel – CTT Tax & Trust

Anthony’s outstanding legal acumen is equalled by a genuine commitment to the development and success of his colleagues and our business.

An experienced law firm Partner, Anthony has developed a comprehensive career driving strategic planning, marketing, and business development for high profile corporations.

In addition to his reputation as a transformational leader and trusted advisor, Anthony is collaborative, intuitive, and approachable. With over a decade of professional experience and a legal background gained entirely at partner level, Anthony brings a unique blend of expertise and experience to his role in the business, providing strategic advice to the CTT Group of companies.

Amy O’Keeffe

Director – CTT Accountancy

Since becoming ACCA qualified at 22 years of age, Amy has developed her industry knowledge working for a large national accountancy practice and is now eager to apply her ambitions as a driving force behind CTT Accountancy.

Amy is incredibly dedicated and passionate about building strong, trusted client relationships, making dealing with finances as effortless as possible for her clients.  With a personal, hands-on approach, Amy is committed to understanding the pressures that clients face and offering tailored support.

From property to professional services, working with a diverse portfolio of clients has given Amy a wealth of experience providing high quality, client-focused accounting practices and advice within a number of industries.

Lucy Miles

Director – CTT Private Client

With extensive experience in the sector, a full STEP Diploma in Trusts and Estates, and a Diploma in Regulated Financial Planning, Lucy is an incredibly competent advisor and leader of CTT Private Client.