Professional, Impartial & Personal

Pension planning and investment decisions

Welcome to
Mann Hough Ltd

We provide a professional and impartial fee-based service which focuses on helping our clients to understand pension planning and investment decisions.

Having guided and advised our clients in this way we proceed to arrange and transact investment and pension products as required.

We act for a diverse range of individuals, professional firms, trustees and companies.

Our Approach

Our starting point is to focus on financial needs and assist with the selection of appropriate pension or investment vehicles, rather than marketing ‘investment products’.

We help our clients to understand investment decisions using our in depth knowledge of investment institutions and global financial markets.

Our understanding and experience of the fund management and investment industry helps us to select managers and structure investment portfolios appropriate for specific needs, such as for targeting capital growth or to generate income. Our advice is made after careful appraisal of client objectives and risk tolerance, and our assessment of prevailing economic and market conditions.

Taxation is frequently an important factor. Our practical knowledge of income, capital gains and inheritance taxes, together with the available tax concessions for pensions and other saving arrangements in the United Kingdom, is key. When specific and specialist advice is required beyond our expertise we can guide clients to appropriate lawyers, accountants and other specialist advisers, both for the UK and other jurisdictions.

Our knowledge of the UK and international pensions and investment industry is extensive. We are familiar with all of the various pension products and arrangements, including self-invested plans, available to clients in the United Kingdom and in leading overseas jurisdictions.

To understand where the future might take us, we believe that is essential to learn from the past ...and to see things differently from the crowd

Our Services

We offer a tailored, bespoke service to individuals, professional firms, companies and trustees.






Tax & Succession Planning






Tax & Succession Planning

Key Personnel

Julian Mann

Managing Director

Julian has over 30 years of experience advising individuals, companies and trustees on pension and investment planning.

His motivation in setting up Mann Hough was to be able to advise clients in accordance with the professional values and approach that he has developed over his consulting career with leading advisors Watson-Wyatt, Towers Perrin and Aspen.

Julian is responsible for the operational management and development of Mann Hough, as well as advising individual clients.

He holds the permissions and qualifications required to provide regulated investment advice and an MBA from Warwick Business School.

John Hough


For 19 years John was Chairman and Managing Director of Aspen plc, a city-based firm of actuaries and pension consultants. He was a founding shareholder of Aspen and led the expansion of the business until it was acquired by Capita in 2007. He previously followed an actuarial career and then worked as an investment consultant.

John is an independent trustee and director of various pension schemes, institutional funds, charity distribution funds and Non-Executive Chairman of two companies.  John has wide experience of managing and developing businesses in the financial sector and is Non-Executive Chairman and a founding shareholder of Mann Hough.

Jane Darvill

Support Consultant

Jane joined Mann Hough in 2016, having over 30 years’ experience working in financial services and regulation, holding various industry qualifications.  In recent years Jane has specialised in regulation and compliance and provides technical support in this field to the rest of the team.  She ensures that all aspects of our advisory services meet compliance and regulatory standards.  

Usha Patel

Administration Manager

Usha Joined Mann Hough in 2008 and has years of experience, as an administrator, in the financial services sector.  Usha’s role is to manage our administrative support, and  liaise with the clients, investment managers and service providers.

Ojal Yunus

Technical Specialist

Ojal has years of experience in the investment banking sector and securities industry, gained in administration, global custody operations  and developing back office business systems. He has considerable expertise in the use of I.T. to enhance and automate business processes.

Ojal is responsible for the analysis and reconciliation of client investment  holdings and transactions, and monitoring data and information provided by ‘third party’ administrators.

Theresa Brown

Client and Scheme Accounting

Theresa began her career with The Lord Chancellors Department before transferring to HM Customs and Excise. She then moved to a career in accountancy focusing on pension scheme administration, working for a top 10 firm of accountants as Pension Audit Manager.

Theresa is a Fellow of The Chartered Institute of Certified Accountants and an Associate of the Pensions Management Institute.

Theresa works in a management and accounting role at Mann Hough using her specialist expertise in pensions accounting to assist us with our advice to individuals, businesses and trustees.

Toby Evans


Toby has many years of experience in commerce having built and successfully exited his own business. He now uses his expertise and insight into financial & commercial matters as a paraplanner for Mann Hough.
Toby focuses on both individual and corporate advice. He applies the financial insight he has gained in his own career to financial and investment planning processes.

Mann Hough Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 481194.

Registered Office: 377-399 London Road, Camberley, Surrey GU15 3HL. Registered in England No 6474202.

Our internal complaint handling procedures are available on request. If you have reasons to raise a concern please contact us on 0203 178 4262, in writing at the address on this site or by email: If we are unable to resolve an issue to your satisfaction you may be able to refer the matter to the Financial Ombudsman Service. More information is available on request or by visiting

Contact Us

Mann Hough is based in London, but our clients come from throughout the United Kingdom and overseas.