Team

Ruth Downs qualified with a BA (Hons) Business Studies Degree from Sheffield Hallam University in 2003. She completed her DipPFS qualification from the Chartered Insurance Institute in 2021 obtaining additional qualifications in mortgages, equity release and later life care. Ruth won the Unsung Hero Award at Women in Protection Awards 2023 as well as being nominated for SJP Vulnerability Champion of the Year Award 2022 & 2023, Women In Financial Advice Awards 2024, Financial Adviser of the Year -North West and Woman of the Year - Vulnerable Client Care. She is currently working as an Independent Financial Adviser under 2Plan Wealth Management, but is also Founder and Director of Truth Financial Ltd. Ruth Downs is an experienced independent financial adviser with a difference. Straight-talking, genuine, friendly, and all-round animal lover. She helps her clients create a plan that not only helps their financial well-being but also their mental well-being. She is passionate to help educate, inform and deliver financial advice in a fun but educational way. No jargon, just straight-talking advice.

Caroline Kisielewicz is a Transformative Coach registered with the International Coaching Federation (ICF). With over 20 years in the veterinary profession, including specialisation in Small Animal Internal Medicine and a tenure as a clinical director in a large corporate setting, Caroline pursued coaching to align with her purpose and values.
Specialising in clients within the veterinary industry, Caroline empowers individuals to find their truths and achieve their full potential, both personally and professionally. Her coaching approach fosters confidence, clarity, and control. She provides a relaxed, calm and confidential space.  Drawing from an extensive, she supports her clients towards gaining clarity, focus, and direction, exploring alternative perspectives, and attaining new insights.
Caroline specialises in challenges such as self-confidence, imposter syndrome, burnout, work-life balance, and navigating career transitions. She supports clients in setting boundaries, defining and achieving goals, discovering their values, finding passion in their work, enhancing confidence, coping with significant illness, and more.