Four Rivers Financial Planning Limited

Charlie Wallace is a fully qualified Chartered Financial Adviser, with an Advanced Diploma in Financial Planning and over 18 years’ experience within Financial Services.

As the Director of Four Rivers Financial Planning Limited, Charlie takes great pride in offering a professional and friendly advice service to clients throughout the North East.

Charlie has gained a wealth of experience and knowledge in Retirement Planning, Investment Planning & Protection advice. Charlie is also a Specialist Adviser providing clear advice on the complex nature of Inheritance Tax and Estate Planning. He combines these skills with a helpful, dedicated approach to advising, both existing and new clients.

Away from work, Charlie enjoys spending time with his wife and two children, as well as watching sports and playing golf.

Harriet Wallace

Harriet Wallace is a qualified Financial Adviser, with a Diploma in Regulated Financial Planning which she achieved through the Chartered Insurance Institute.

Having worked in financial services for over 10 years, Harriet has gained a multitude of skills and knowledge in roles as Personal Banking Manager and Bank Manager in high street banking, and Chief Operating Officer in the credit union sector.

Harriet has a passion for financial wellbeing, education and inclusion; she combines this with her desire to help our clients, navigate their financial goals by providing clear, personalised financial advice.

Outside of work, Harriet enjoys reading, and spending time with her partner and labrador on the beaches of the North East.

Paul Brook

Paul Brook is a Financial Adviser with a Level 4 Diploma in Financial Planning, serving clients throughout Morpeth and the wider Northumberland area. His transition into financial services followed a successful ten-year career in sales, where he specialised in export markets across France, Spain, and the Benelux region.

Paul joined Four Rivers Financial Planning Limited in April 2026, an appointed representative of M&G Wealth Advice. His professional motivation is rooted in a desire to help people feel confident and secure about their future. By offering a trusted source of guidance, he helps clients navigate all areas of financial planning, including retirement, investments, and estate planning.

Following a rigorous assessment of each client's individual circumstances, Paul provides tailored investment solutions designed to meet specific long-term goals. He is particularly keen to support long-term UK residents from France and Spain; being fluent in French and speaking degree level Spanish, Paul can explain the complexities of the UK financial system in a client’s native language, making expert advice more accessible and easier to understand.

Outside of his professional life, Paul enjoys an active lifestyle with his wife, Amy, and their rescued brindle lurcher, Astrid. Paul enjoys running and is a history enthusiast. He can often be found hiking or taking walking holidays across the UK and abroad.

Naomi Critchlow

Naomi joined Four Rivers Financial Planning Ltd in January 2025 as a Financial Administrator. Since graduating in 2015, she has built extensive experience across a variety of administrative roles, developing a strong reputation for being highly organised, detail-oriented and approachable. Naomi is passionate about delivering excellent support to both clients and colleagues, ensuring everything runs smoothly behind the scenes.

Outside of work, Naomi enjoys adventures with her little boy, trips to the theatre, and day dreaming about her next visit to Disney.