Meet our Advisors

Our team of professionals have experience in marketing, sales and many other.
Karen Thornley - Paying for care fees advisor

Karen Thornley

Independent Financial Adviser & Later Life Specialist

Listening to what’s important to you and your family comes naturally to Karen, whose experience in advising people into their retirement years and later life, goes back to the early 90s. As Karen says, “I’ve been there with thousands of families over the years. I’ve also had my own elderly parents go through the care system, so have experienced what so many of my clients are going through, myself.”

She takes her role as a professional guide and adviser very seriously and understands people seek her advice at a time which can often be stressful and upsetting for all concerned. She is friendly, empathetic and compassionate as well as professional in her approach, treating every client as the individual they are.

She is accredited with The Society for Later Life Advisers (SOLLA) and was shortlisted for the Health Insurance “Best Long Term Care Intermediary” Award every year since 2008 and on two occasions won this prestigious award recognising her specialisation in advising people in later life. She has provided training for financial advisers on later life advice for The Personal Finance Society (PFS) at both their annual conference and national meetings across the UK. She has run and presented at seminars for Solicitors and care providers over the years, with guest speakers including Baroness Greengross and Senior Judge Denzil Lush.

For over ten years up to the end of 2017, Karen was joint owner of a practice specialising in Later Life Care Advice, Investment & Tax Planning, not only building on her experience as an Independent Financial Adviser, but as a business owner and employer. This has put her in good stead to head up The Minster Partnership’s Later Life and Care Division, providing very much needed specialist later life advice for individuals and professional advisers alike.


Sue Gollop, CeMAP CeRER

Mortgage, Equity Release and Protection Adviser

Having worked in the Financial Profession since 1990 within the Private Banking Sector, Sue has specialised in advising clients in all aspects of their lives. Her advice and services extend to Lending, Mortgages and Equity Release.

She cared for both of her parents whilst holding down full-time employment, which made her realise the challenges in caring for the elderly and took the decision to leave her long time career to join The Minster Partnership in 2013. She now heads up their mortgage department.

Sue acknowledges mature clients and those going through difficult times need patience and understanding. She is fortunate to have the necessary experience and skills in her working and personal life to spend the time getting to know her clients and their families, very often at a delicate stage in their lives.
Sue believes that everyone’s needs are different and she works hard to find solutions, beyond expectation, to achieve her client’s goals and dreams. She has a loyal following built up over the years from her hard work and caring persona. Helping clients when they need it most, gives her pleasure.

Going the extra mile to help others is essential part of her personality. Many clients she has helped over the years, now class her as a friend.


Richard Liddiard


Richard started his career in financial services in 1987, moving from trainee adviser to running a mortgage advisory firm before going into Independent Financial Advice in 2009.

In 2013 Richard was keen to establish his own business and set up The Minster Partnership, with a very clear goal in mind, to build a well-qualified team of independent advisers with specialisms in financial advice.
The firm now boasts a mortgage division, protection, pensions and investment experts as well as advisers who specialise in inheritance tax planning.

The Care and Later Life division was set up in 2018 adding this very needed specialisation to the team.
Richard works closely with Karen Thornley to provide the support needed for vulnerable clients and their families who need peace of mind when it comes to the best financial options in their later life.