Meet the Team

Our Approach

We provide all initial advice and guidance to a client through one of our licensed insolvency practitioners, who individually, hold the required qualifications to act in any formal assignment and are licensed by the Insolvency Practitioners Association.

We do not use intermediaries in the provision of our services and it will always be a partner of CFS Restructuring LLP that provides you with the advice on all of the options that are available to you for consideration.  We will, if requested, put our advice in writing, all of which will be part of our free of charge consultation and, in the event that should you choose to instruct CFS Restructuring LLP on any formal matter, we will agree our professional fees with you in advance of commencing the required work.

Our partners have over 100 years’ experience between them and continue to work on assignments of varying sizes.

We are business owners ourselves and fully understand the issues that are faced on a daily basis, so if you have any concerns about the affairs of your Company, get in touch with one of our licensed insolvency practitioners for free one to one advice today.  If you are concerned that you will be pressured into making a decision about your Company’s affairs, all we can say is don’t be. We will always allow a client sufficient time after the provision of any advice to determine which way they
would like to proceed.

Professional Standards

CFS is proud to have adopted the codes of conduct and ethics policies and professional standards of the IPA and continue to maintain their high levels.

As part of this process we ensure that our clients have complete transparency and clearly set out what we are engaged to achieve and the outcomes you can expect from our engagement.

Richard Saville

Richard Saville


Richard started his insolvency career in 1978 with Spicer and Pegler (latterly Deloitte & Touche) in Nottingham before joining Deloitte Haskins & Sells, now PWC. During his time with Deloittes he worked on a number of well known insolvency cases as well as experiencing a two year posting to Hong Kong where he dealt with three of the largest insolvencies in the territory at that time.

In 1994, Richard left to set up his own insolvency practice, Savilles, which over the years grew to a substantial business, employing 14 staff. The practice quickly established itself as one that prided itself on client care and handled a number of high profile local and national cases.

In 2002, Richard agreed a sale of the practice to Begbies Traynor, although stayed on as the Regional managing partner for the East Midlands, until 2015 when he left to once again set up his own practice, this time with three of his most trusted and capable partners.

Richard has an extremely broad knowledge across most industries having effectively dealt with pretty much every type of business around!

Andrew Cordon

Andrew Cordon

Insolvency Practitioner and Partner

Andrew has over 19 years of experience across a wide range of business sectors and industries, dealing in both corporate recovery and personal insolvency. Having started his career in an East Midlands practice in 1996, he went onto work for both international and national firms before qualifying as a Licensed Insolvency Practitioner in 2008.

Andrew has a reputation for providing straight forward candid business advice to owner managers and individuals who are experiencing financial difficulties, advising on the options available and putting together commercial solutions in difficult circumstances.

Andrew specialises in all aspects of corporate insolvency, from administrations with multi-locations and large workforces, to single owner manager businesses. Andrew approaches all assignments in the same manner, seeking imaginative solutions for the benefit of all stakeholders, whether involving formal insolvency or not, recognising and protecting the rights of each of them.

Andrew will provide advice designed to help people and Companies deal successfully with debt and financial problems – and wherever possible, find the best solution that allows for active steps towards financial recovery.

Jill Howsam

Jill Howsam


Jill worked at PriceWaterhouseCoopers until 1994 when she joined Richard Saville in setting up his own insolvency business before selling to Begbies Traynor in 2002. Jill, Richard, Andrew and Janette took the initiative to form their own Limited Liability Partnership in September 2015 trading as Corporate Financial Solutions.

Having worked in the industry for over 25 years, Jill has significant knowledge of the whole range of insolvencies, both corporate and personal.

Memorable assignments have included trading a printing company in Stockport with 60 employees and trading a pottery company in Burton on Trent with over 90 employees in a members’ voluntary liquidation.

Whilst Jill would like to say she was a keen runner, a number of injuries have recently made it more of a spectator sport rather than a participator!

James Everist

James Everist

Insolvency Practitioner and Partner

James commenced his career in 2005 when he joined Begbies Traynor at their Stoke office, and became a fully qualified Insolvency Practitioner in 2015.

Having joined Corporate Financial Solutions in 2018, he began taking formal appointments as a Licensed Insolvency Practitioner in 2019.

James is known for his straightforward advice to business owners and individuals in times that can often be distressing for them. By taking the time to listen and understand their businesses and circumstances, James enjoys providing advice and solutions that benefit all stakeholders.

Throughout his career, James has gained valuable experience advising businesses of all sizes, be it through formal insolvency processes or not. Most notable in his career is handling the likes of Port Vale Football Club and The Wedgwood Museum.

Outside of work James is a keen follower of football, particularly Sunderland AFC, and enjoys travelling.

Joe Sadler - Insolvency Practitioner

Joe Sadler

Insolvency Practitioner

Joe is a Licenced Insolvency Practitioner with over 35 years’ experience of both corporate and personal insolvency matters, having started as a young man in a family-owned insolvency practice. Over the years, Joe has been appointed over a variety of small to medium sized businesses and has rightly earned his reputation of being totally understanding to all stakeholders. He is a highly regarded and respected practitioner within the Insolvency and turnaround profession.

One of Joe’s greatest challenges was successfully overseeing a company that had provided approximately 20,000 customers with various activity vouchers with an aggregate value of £2.5m. Joe’s patience and understanding nature were fully utilised on this particular assignment!

Joe has been known by the partners of Corporate Financial Solutions for many years and CFS was delighted to welcome Joe to join the team recently as an Appointment Taker, where Joe will continue to deliver his honest, pragmatic and understanding service to clients all over the Country.

Socially, Joe enjoys watching Premier League football despite his team not being as successful as they used to be.

John-Paul O’Hara Insolvency Manager

John-Paul O’Hara

Insolvency Manager

John-Paul is a corporate recovery and insolvency specialist who started his career in New Zealand in 1998.

Since 2001 John-Paul has worked in the UK where he has held roles in a number of specialist restructuring and insolvency practices, before being head hunted by a national practice in 2008 to jointly setup a regional office based in Stoke on Trent. Following this, he ran his own successful practice for a number of years, acting as an appointment taking Licensed Insolvency Practitioner.

John-Paul has a wide range of experience in finding sensible solutions to often complex situations. He has dealt with a wide variety of businesses both in size and sector but always brings a strong desire to find the best solution for all stakeholders with an understanding approach.