Stephen Le Roy

Quote: "I have really enjoyed working with the many interesting clients and their families that I have had the privilege of meeting over the years I have been in finance and look forward to bringing these years of experience to the Aqua family. Although I only joined the Aqua team late in 2020, it has been a rewarding and satisfying experience made easier by the friendly and helpful colleagues. I have been married for 23 years and have 2 sons and a daughter who are all grown up. We are an active family and enjoy an outdoor life made even more enjoyable by the stunning scenery and environment that Jersey has to offer."
Post-nominals: BSc in Management, Trusts and Estates

Steve started his career in 1986 in the Financial Services sector. He gained experience as a Trust Supervisor and went on to work at UBS and Klienwort Benson and gained experience as a Client Relationship Manager. He joined Aqua after spending 11 years working with a large Financial Provider with offices in Jersey, UK and Malta. Gained experience working with UHNW clients, corporate and real estate clients. Since joining Aqua he has been promoted to a client facing Associate Director. Steve holds a BSc degree in Trust and Estate Management from the University of Manchester and is a member of the Society of Trust and Estate Practitioners and the Institute of Directors.

  • Hits: 284

Michael Heyes

Post-nominals: CMAP

Michael has joined the Aqua team from the Government of the States of Jersey where he was instrumental in working in the property division. Before joining the States, Michael has worked for some of the larger bank and financial services businesses on island and has significant experience and qualifications. 

Michael’s calm demeanour and love of all things sporty make him a valuable member of the Aqua team.

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Sarah Mullins

Position: HR Head & Client Relations
Quote: "I have always had a wish to work in a business that puts families first, that keeps me motivated to ensure our clients get great service and our people enjoy the workplace. Keeping my family of five running smoothly every day and being very involved in driving Aqua forward is something I am proud of. I am a "what you see is what you get" type of person. I am loyal, ageing gracefully, a little bit clever on the inside and have a good sense of humour, which helps when you want to see positive progress."
Post-nominals: Int.Dip (Comp), BSc HRM, IATI
Contact Deatils:

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+44 1534 603078

Sarah started her career in one of Ireland's largest family owned logistics and real estate businesses. Sarah took Board responsibility for expanding the business into different markets. Sarah relocated to Jersey in 2013 to work with the Aqua Team. Since then she has utilized her degree in Human Resources Management and her Accountancy qualifications to focus on integrating business that manages both the people and the numbers. Sarah assists the Board to broaden its offering.

jersey, theuk

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Joanne Luce

Position: Managing Director
Quote: "My children and my husband are the most important thing in my world. Creating Aqua and growing it to a multi functioning family office firm with fabulous people and great clients has brought a lot of fulfilment, laughter and a few tears. I like to think I have a talent for recognising the greatness of potential in others, I am innovative and not scared to step up, and this has made the journey here interesting. I have a passion for what Aqua does well – service delivery."
Post-nominals: LLB (Hons), FCIS, ATT, TEP
Contact Deatils:

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+44 1534 603072

Jo Luce has over 30 years within the Finance Industry. The last 23 of those as a Principal Person as defined by the Financial Services (Jersey) Law 1998. She holds a Law degree and was elected a Fellow of the Chartered Institute of Secretaries & Administrators. She has qualifications in Taxation and Estate Planning as well as a degree in Psychology.

Jo has previously represented the industry on various Industry Bodies including the Sub-Committee which brought in the Foundations Law and has previously represented the Private Client arena on the board of the Jersey Association of Trust Companies with a focus upon both the Tax Steering Committee and the changes to Trust and Company Law.

Jo Luce has worked with significant UNHW Families over decades whilst running the Private Client and Property Team at two of the largest Financial Providers in Jersey.

Jo Luce also personally supports several local charitable initiatives and acts on the board of a not-for-profit charitable foundation to ensure a little is given back. 

She has also supported Government in Equal Gender initiatives and encourages gender blindness. 

jersey, GCC

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Tim Nelson

Quote: "I have achieved over 25 years of marriage to my wonderful patient wife and have 2 grown up daughters I am very proud of. I was seeking a new challenge in life and Aqua has provided that opportunity. The team I work with have strengths and talents that allow us to provide a strong service offering to our clients, and I am happy to add my skills to the mix. I enjoy getting the job done with a sense of urgency to meet client expectations."
Post-nominals: MCMI Cert CII
Contact Deatils:

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+44 1534 6030742

Tim's Aqua career started in 2015. Tim has extensive experience in the world of insurance and his work with owner managed businesses have given him an expertise that Aqua relies on to drive in further value for our families and clients.

jersey, GCC

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