Introducing the Finance Lens with Front Row Financial

Posted on 21 May 2025

At the Rochdale Development Agency (RDA), we’re committed to meaningful collaboration and thought leadership to support the business community across the borough. That’s why we’re delighted to welcome Steve Worrall from Front Row Financial as a key contributor in our Insights Lens series, bringing a fresh financial perspective to the conversation.

Steve is an active member of Rochdale’s business community, bringing more than just expertise, he brings connection, context, and credibility.

Steve is a Rochdale-based Financial Adviser who will be providing financial insights for the RDA’s Finance Lens over the coming months, giving guidance on a range of financial topics. Steve is the Director at Front Row Financial, which he runs with the help of his paraplanner, Ben. Much of his work is based around retirement, investment and protection planning for individuals, families, and business owners alike.

Steve is a very community and family-oriented person who lives in Wardle with his wife and children. Having grown up playing rugby at Rochdale RUFC and having lived in the area most of his life, Steve is well known and heavily involved in lots of the local events and business groups actively promoting the borough. Steve supports Springhill Hospice, Jolly Josh and Moorland Homes through the various activities he does throughout the year.

He has spent over 14 years working in Financial Services, starting as a Currency Broker before moving to Lloyds Banking Group. In 2021, Steve decided to start advising his own clients and set up Front Row Financial, where he now provides ongoing advice and guidance to the families, business owners and individuals that he continues to work with.

One of the areas that Steve is enthusiastic about is Goal-Based Financial Planning.

Goal-Based Financial Planning helps you create a strategy for you and your family that works away in the background as you get on with the here and now. He takes pride in providing peace of mind and working towards your ideal future. A Financial plan can help to avoid unnecessary taxes, through investment planning in line with your goals, beliefs and values.

Steve believes that everyone should be able to understand what options they have, and as no one is ever taught about financial planning in school or through work, it’s his job to help his clients make informed decisions about their future finances, tax planning and/or protection needs (often all three).

Going forward, each item will cover a topic that we hope you find useful, we hope you enjoy reading our upcoming content. Next month we will talk about “Tax Planning Strategies Business Owners Should Know.”

If you would like to complete a thirty second quiz to see how prepared you might be for retirement, then scan the QR code below:

Front Row Financial Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products.

SJP Approved 15/05/2025