The team

Meet our team

Find out about our professional and experienced team - who they are, how they can help you and how you can contact them.


Andrew SolomonidesManaging Director

Andrew established Crystal Life in 1993 and has successfully built his team to become a reputable firm, providing Protection and Mortgage advice. Andrew qualified in 1988 while working for Allied Dunbar and holds the FPC and Adv CeMap qualifications. He has experience advising on pensions, investments, protection and mortgages, however, he specialises in residential and commercial mortgages, bridging finance and equity release.

Andrew is a keen player and follower of football, he keeps himself fit by playing 5-a-side football twice a week and, as an Arsenal season ticket holder, if he isn’t playing football he’s at the game watching it.

Dilip KapurFinance Director

Dilip was the owner and Director of Tremellen Jeffrey Allen before the merger with Crystal Life in April 2020. He has always been an entrepreneur and has an excellent track record of building companies and growing businesses across various different sectors. Dilip is also currently a Director of two media companies that operate in the film and cinema sector and he was a member of the City Branch of the Institute of Directors for a decade before retiring this post.

In his spare time Dilip is also a member of BAFTA, a Freeman of the City of London and a member of The City Livery Club, however, when he is relaxing outside of work, he fills his spare time with films, tennis, golf and portrait drawing. He is also a keen player of Chess and Bridge and he was even number 2 in the country at Chess in his younger years.

Trevor SmithOperations Director

Trevor joined Crystal Life in 2020 as the Operations Director and is responsible for the day to day compliance, administration and operation of the financial advice side of the company. Prior to joining Crystal Life, Trevor had 47 years’ experience in financial services including working with Tremellen Jeffrey Allan since 2011 as an Independent Financial Adviser, specialising in workplace pensions and automatic enrolment pension schemes, as well as 6 years’ experience as a workplace pensions specialist.

Before becoming an IFA, Trevor had a career in both sales and management with Prudential Assurance and spent 28 years with them before taking early retirement. As an Associate of Chartered Insurance Institute, qualifications were gained in pension scheme administration and law.

During his spare time Trevor loves travelling in his motorhome in both the UK and all over Europe. He also serves as a Trustee of his local Citizens Advice Bureaux.

Ravi ManiarRetail Investment Adviser

Ravi joined Tremellen Jeffrey Allan in August 2018 and moved to Crystal Life with the company merger in April 2020. Ravi is a fully qualified Financial Adviser and holds both DipFA and CeMAP qualifications. He has been advising since 2007 with various organisations such as Halifax, Nationwide and St James’s Place Wealth Management Ltd.  His specialist areas are Retirement and Inheritance Tax Planning. He is passionate about helping clients to not only enjoy their retirement but also to pass on their wealth to their loved ones as tax efficiently as possible through goal based financial planning. Ravi strongly believes in understanding clients’ needs and building solid foundations in order to create long lasting relationships.

Ravi enjoys travelling the world with his wife, meeting new people, experiencing interesting cultures and, of course, tasting the various types of food. Ravi loves a challenge with his stand out achievement so far being a three-night, four-day trip along the Inca Trail in Peru. His next challenge is to climb Kilimanjaro which he hopes to complete by 2020.

Avidan LastRetail Investment Adviser

Avidan joined Tremellen Jeffrey Allan in February 2019 and moved to Crystal Life with the company merger in April 2020. Avidan holds a Level 4 Diploma in Financial Planning and has a wealth of experience as a Protection Adviser, specialising in Relevant Life, Critical Illness Cover and Business Protection. He joined TJA to widen his experience in order to ultimately advise on both pensions and investments, as well as protection.

Avidan devotes most of his time outside of work to his family and loves spending time with his two young boys. He is also a fitness enthusiast having recently completed his first triathlon, he aims to do more of this in the future. When Avidan does find time to himself he likes to read, mainly pursuing his interest in philosophy.

Dimitris HitraMortgage Adviser

Dimitris joined Crystal Life in 2007 as a Mortgage Administrator and progressed to qualify as a Mortgage and Protection Adviser in 2011. He holds a CeMap qualification and specialises in Residential and Buy to Let mortgages as well as Protection.

In his spare time Dimitris is a keen fitness enthusiast. When he is not working he will likely be either playing football or be working out in the gym. Dimitris is a fan of Tottenham Hotspur and, although loves working alongside Andrew, when it comes to football you won’t find them on the same team.

Arvind TailorMortgage Adviser

Arvind joined Crystal Life in 2020, however, he brought with him over 20 years’ industry experience. He holds Financial Planning Certificates 1,2 and 3 and MAQ Mortgage qualifications and his experience ranges from residential, buy to let mortgages and commercial lending, bridging finance and asset financing. Arvind advises both private individuals and companies and works with banks and private lending institutions.

Arvind prides himself on being a family man and loves spending time with his family. When he finds time to himself he enjoys cooking and playing golf.

Debbie LincolnOffice Manager

Debbie worked for Tremellen Jeffrey Allan Ltd since 2010 and is the Office Manager and moved to Crystal Life with the company merger in April 2020. Debbie spent 9 years working in the IFA division of Allied Dunbar and has in excess of 10 years financial services experience. As well as managing the office, Debbie is involved with all aspects of the business and provides invaluable support to the advisers.  Debbie is also a qualified adviser holding the Diploma in Personal Financial Services and although not currently practicing, she continues her professional development ensuring that she keeps her knowledge up to date and relevant.

In her spare time Debbie enjoys eating out, reading and going to the gym.

Sam BakerAdviser Support

Sam originally trained as a secondary school teacher before joining Tremellen Jeffrey Allan Ltd as an Administrator in 2015. Sam moved to Crystal Life with the company merger in April 2020. Sam has extensive experience in customer services and works alongside Debbie and Mel to ensure all administrative duties are fulfilled. Sam achieved a Level 3 Certificate in Paraplanning and Financial Administration in March 2018 and is currently working towards the Diploma in Regulated Financial Planning.

In her spare time Sam enjoys attending exercise classes and socialising with friends.

Chantelle OgleMortgage Administrator

Chantelle joined Crystal Life as a Mortgage Administrator in 2015. She has extensive administrative experience and provides support to the Protection and Mortgage advisers within the firm. Chantelle achieved a BA in Health Services Management and Business Studies as well as holding an AAT Certificate in Accounting. She is also an expert in Microsoft Office having passed the ECDL Microsoft training package.

In her spare time Chantelle enjoys exercising.


Mortgage Office: 14 Park Road, Crouch End, London, N8 8TD  |  T: 020 8292 6556    E:

IFA Office: 137 Watling Street, Radlett, Herts, WD7 7NQ  |  T: 01923 333199    E:

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Crystal Life Ltd is an appointed representative of The On-Line Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

Registered in England and Wales. Registered No. 3687985.

Registered office address: First Floor, 677 High Road, North Finchley, London, N12 0DA


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