He went into a teaching career which he disliked but then followed his father into the Insurance Business specialising in Mortgages.  He loved nothing better than arranging mortgages for his many friends who thanked him for getting them onto the “property ladder”.

Phil always had a positive attitude and his friends always welcomed his advice when called upon.

Looking through the many sympathy cards his son, Stuart, remarked that it was clear he was loved by many; words describing him as  "a very good friend", "a lovely man with a real sense of humour", "always greeting everyone with a smile and funny word", "a true gent" and "a firm and reliable friend".

As we know, he was a fantastic musician with a talent for various instruments including of course his beloved cornet. We all listened in wonder at his particular gift of playing his bugle at the Last Post in St Annes Church on Remembrance Sundays.

Phil had many social interests, a dedicated member of the Salvation Army Band, musician with the Guardian Brass Band as well as Thornton Cleveleys Band – always playing his cornet with enthusiasm.

He was also a valued member of St Annes Parish Church Wednesday men, volunteering for duties around the church; a devout parishioner and a regular Thursday Member of The Probus Club, having joined in 2003.

Phil supported and encouraged Carole, his wife, with Gilbert & Sullivan Operatics at Lowther Pavilion and other venues also Chris his youngest son with his interests at St Annes Operatic and Drama Society and always went along to watch and support them.

 He will be sadly missed by many but especially his beloved wife Carole with whom he recently celebrated their Golden Wedding and will also be greatly missed by sons Stuart and Christopher, daughter-in-law Samantha, grandchildren Brandon and Alarna.

                                                                                                                                                Les Hall  July 2017