In Memory of Clive Ponder
DIRECTOR – CTT TAX & TRUST • BSC (HONS) CENG FIMMM TEP
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
DIRECTOR – CTT TAX & TRUST • BSC DIPPFS TEP
Bob started his career in 1983 as a Financial Advisor; after sailing through Sales Management and becoming the youngest ever Branch Manager for L&G at the age of 29, Bob has the expertise, attitude and skills to run his teams and advise clients on taxation and trusts.
Bob continues to work as an IFA and a Practising Trust and Estate Practitioner, TEP and believes that building a trusted relationship with their clients, coupled with the ability to problem-solve effectively, will help them to exceed their clients’ expectations.
Bob works as one of the Founders and Directors and became a nationally recognised centre of excellence for services to their clients, protecting wealth and assets efficiently and effectively for their families.
Bob’s mantra for all is, “Let’s just exceed expectations of our clients in the services we offer.”
Spencer Tattam
TECHNICAL DIRECTOR – CTT TAX & TRUST • BA (HONS) DIPPFS TEP
Spencer Tattam was appointed as the Technical Director in 2017. He is a full member of the Society of Trust and Estate Practitioners and has completed the STEP Diploma in Trusts and Estates. He is also an IFA qualified to DipPFS level.
He has been working at Countrywide since 2004, providing bespoke solutions for advisors and clients, and is now heavily involved in the technical development of the Legacy software in his role. Spencer oversees the Trust Management, Probate and Estate Planning teams.
Andrew Houston
DIRECTOR – CTT TAX & TRUST • CHARTERED FCSI
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 • LLB (Hons); Solicitor of the Senior Courts of England and Wales; Solicitor Advocate (Higher Rights of Audience – Civil); TEP; Law Society Accredited Advanced Risk & Compliance Practitioner.
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.