STEP Members

Bob Massey TEP

Director

Charlotte Ponder TEP

Legal Director

Charlotte was appointed as the Legal Director in 2017 and holds a key responsibility in overseeing the running of the Processing and Admin Teams as well as ensuring that the day-to-day operations run smoothly across the company.

Charlotte became a full TEP in 2017 following completion of the STEP Diploma in Advising Vulnerable Clients, and she now regularly speaks at industry events and attends meetings with key stakeholders in the legal sector such as the Law Commission.

Spencer Tattam TEP

Technical Director

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.

Lucy Towey TEP

Lucy Towey is a Practice Manager. She is a full member of the Society of Trust and Estate Practitioners and has completed the STEP Diploma, As well as this, she is an IFA qualified to DipPFS level.

Andrew Drakes TEP

Andrew Drakes is a Technical Help Advisor. He is a full member of the Society of Trust and Estate Practitioners and has completed the STEP Diploma.

James Fisher TEP

James Fisher works as a Financial Services Support. He is a full member of the Society of Trust and Estate Practitioners and has completed the STEP Diploma. As well as this, he is qualified to DipPFS level.

Bhavesh Sahjpall TEP

In-house Solicitor (Non-Practising)

Bhavesh qualified as a Solicitor of the senior Courts in 2024 and now forms a vital part of the CTT Private Client Team.

Amy O’Keeffe TEP

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.

Kinga Musialik-Werneck TEP

Private Client Advisor

Kinga is a Registered Trust and Estate Practitioner (TEP), a Graduate Member of the Chartered Institute of Legal Executives (GCILEX) and a Law Graduate (LLB Law) who has worked in the sector since 2013. Continuous development and learning are important to Kinga, and she is currently working towards her Diploma in Regulated Financial Planning.