Josh Gaffney — Independent Financial Adviser in Sheffield
About Josh Gaffney
Josh Gaffney is a Wealth Management Consultant at Mattioli Woods, helping clients turn their financial goals into clear, achievable plans. His approach is straightforward: listen first, understand what matters to each client and provide advice without jargon or pressure. Josh began his financial services career as a mortgage administrator, working closely with estate agents and solicitors before moving into paraplanning. This gave him a strong technical foundation and an understanding of financial planning from several different perspectives. He qualified as a Financial Adviser in June 2024 before joining Mattioli Woods. His previous experience, including time in the Army, taught Josh how to communicate with people from all walks of life and quickly build rapport. He brings that same openness to his client relationships, whether helping someone understand their pension for the first time or navigating complex financial planning later in life. Josh has a particular interest in estate and Inheritance Tax planning. He enjoys helping clients understand problems they may not have realised they faced and developing practical strategies to address them. He also finds great satisfaction in retirement planning, particularly when clients discover that they have more financial freedom than they initially believed. For Josh, good financial planning is ultimately about creating choice. He wants clients to leave conversations feeling informed, comfortable and confident about the decisions ahead, while building relationships that last well beyond the initial advice. Outside work, Josh is a father to two young daughters, who keep him busy with dancing, dressing up and family adventures. He enjoys walks, swimming and spending time with family and friends.
Services
- Retirement planning
- IHT planning
- Sharia-compliant advice
- Mortgages
- Insurance
Specialisations
- Retirement Planning
- Tax Planning
- Investment Management
- Inheritance Tax Planning
- Estate Planning
- Pension Planning
Qualifications
Diploma for Financial Advisers (LIBF) Certificate in Mortgage Advice and Practice (LIBF)
Regulation
Josh Gaffney is FCA-verified (firm: Mattioli Woods).
Frequently Asked Questions
Is Josh Gaffney an FCA-regulated financial advisor?
Yes. Josh Gaffney is FCA-regulated and verified by Trusted Advisor. We re-check every advisor's FCA status regularly to make sure their authorisation to give regulated advice is current.
What services does Josh Gaffney offer?
Josh Gaffney offers Retirement planning, IHT planning, Sharia-compliant advice, Mortgages. You can see the full list of services on this profile, or book a free initial call to discuss your situation in more detail.
How much does it cost to use Josh Gaffney?
Fees vary depending on the service, the complexity of your situation and the assets involved. Josh Gaffney will explain all fees clearly before you commit to anything, and the initial consultation booked through Trusted Advisor is free.
What is the difference between an independent and a network financial advisor?
Josh Gaffney is an independent financial advisor, which means they can recommend products from across the whole of the UK market without being tied to any single provider. This generally allows for more impartial advice.
How do I book a consultation with Josh Gaffney?
Click "Book a Consultation" on this page to choose a time that suits you. The first call is free and there's no obligation. If you'd prefer, you can also message Josh Gaffney directly through the contact form.
Does Josh Gaffney work with clients outside Sheffield?
Many of the advisors on Trusted Advisor work with UK clients remotely as well as in person. Josh Gaffney is based in Sheffield but you can confirm preferred meeting locations and video options when you book your initial call.