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

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

Anthony is a senior law firm partner and serves as Group General Counsel to the CTT Group of companies, acting in an in-house capacity, and advising at board level on legal, regulatory, and strategic matters across a diverse and multidisciplinary business environment.

With over 20 years’ experience across the public, private, and third sectors, his background spans legal practice, business strategy, and operational leadership. He has held board-level roles across regulated and unregulated environments and brings a commercially grounded and pragmatic perspective to group-level decision-making.

Anthony advises on risk mitigation, legal and commercial strategy, and complex negotiations, with particular experience in navigating the intersection of legal obligations, regulatory frameworks, and business objectives.

He has significant experience in building and scaling operations, developing and advising on compliance frameworks, and guiding organisations through growth, transition, and strategic change.

He is recognised for combining legal expertise with commercial insight, and for a collaborative, solutions-focused approach that has earned the confidence of colleagues and stakeholders across sectors.

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.