Our Story

IPFM Limited was set up by Luke Gibbon in 1987, from his dining table, when he had just two clients and 6 month old twins to provide for. Luke left a secure job with a company car to set up IPFM Limited because he was committed to provided the right solutions for his clients financial needs, not selling products associated with the highest commission. He understood that financial decisions are often connected to emotional life events such the loss of a loved one, which can make the decision making process even harder. He cared about all his clients so always offered an open door policy to clients, whether they are in need of specific advise or just want to pop in for a nice cup of coffee and a chat!

I was one of those 6 month old twins in 1987 and I have grown up to follow in my fathers footsteps, becoming a certified financial planner in 2015 and recently achieving chartered status. Having worked alongside my father in IPFM Limited since 2015 I bought the business when he retired in 2020 and am committed to continuing his legacy, maintaining an open door policy, holding the clients best interests at the heart and always having the coffee machine at the ready!


Meet the team

Charlotte Gibbon - Owner, Managing Director and Diver.

Charlotte Gibbon

Owner and Managing Director

Certified and Chartered Financial Planner

Mortgage Advisor BSc

APFS Certs CII (MP & ER)

Charlotte joined IPFM Ltd in 2015 as a certified financial planner, having previously worked at an IFA practice in Manchester and a Wealth Management company in Birmingham. Prior to her financial career Charlotte obtained a 2:1 degree in International Business from the prestigious Aston University. She has continued her professional development at IPFM and has recently passed her advanced diploma in financial planning, becoming a Chartered Financial Advisor. Charlotte is married with two sons and in her spare time she enjoys travelling. As a PADI qualified scuba diver she particularly enjoys visiting countries which offer spectacular diving, such as Egypt, Fiji and Mexico. Charlotte is hoping to dive with giant manta rays in Costa Rica in the near future.

Yvonne Coughlan - Paraplanner and Company Secretary

Yvonne Coughlan

Paraplanner and Company Secretary

Yvonne started working for IPFM Ltd in September 2016. She is currently working as a paraplanner and supports Charlotte to create, implement and review financial plans for clients. Yvonne is continuing to further her development in this area and is also training to become a financial adviser, having completed three of the six exams needed. Prior to her financial career, Yvonne came from a caring background working with children and adults with learning difficulties. This warm, caring nature enables Yvonne to build an instant rapport with her clients and colleagues alike. She is married with two children and two dogs and in her spare time enjoys regular theatre trips into London’s West End. Some of her favourite shows include Wicked, Phantom of the Opera and The Cursed Child.She is looking forward to seeing Moulin Rouge later this year.

Francesca Knight - Mortgage Advisor

Francesca Knight

Mortgage Advisor

Cert CII (MP)

Francesca started working for IPFM Ltd in January 2016. She has passed her CII Level 3 Certificate in Mortgage Advice and is furthering her experience under Charlotte’s guidance. Francesca is continuing her professional development, studying for her Protection Advice and Equity Release Certificates. Francesca gained in depth knowledge of the property industry whilst working for estate agents prior to joining IPFM. Francesca is married with two children and in her spare time enjoys training Brazilian Jiu Jitsu, which she does with her family regularly competing up and down the country. Francesca is also a keen foodie and enjoys eating out with friends.

Linda Smith - IFA Administrator

Linda Smith

IFA Administrator

Linda started working for IPFM in March 2020 as an IFA administrator. Linda has previously worked in several similar roles, giving her over 20 years’ office experience. Linda manages Charlotte’s busy diary and provides timely and efficient administrative support to her team. Her role includes ensuring client information is current and accurate, processing the post, creating portfolio reports for clients, and taking meeting minutes. In her spare time, Linda enjoys walking her dog, Alfie, finding new places to explore alongside spending time with her family and friends.


Luke Gibbon

Chartered Financial Planner

Mortgage and Equity Release Advisor

A.C.I.I Cert PFS

Luke founded IPFM in 1987 and built it up to become the successful organisation it is today. He sold the business to his daughter, Charlotte in 2020, when he semi – retired. Luke still provides invaluable support to Charlotte in the running of the business and continues act as a mentor to Charlotte and sees clients on occasion. Luke now spends much of his time in Egypt, where he enjoys Scuba diving and golfing.