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Our Team
Meet our leadership team and our financial planners
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Ghazenefar Ahmed
Independent Financial AdviserGhaz has worked in financial services since 2010, and as a qualified independent financial adviser since 2018. … Read more -
Sharon Mattheus
Independent Financial AdviserSharon Mattheus has over 20 years of experience in the financial services industry. Throughout her career, she has earned several significant… Read more -
Terry Ratcliffe
Independent Financial AdviserTerry has spent the last 7 years working in the financial services industry and has built a wealth of knowledge and experience. He started at a Wealth… Read more -
Tim Hawkins
Chartered Financial PlannerTim has been a financial adviser for over 25 years. He became an associate of the Chartered Insurance Institute (ACII) early in his career and is now… Read more -
Nadia Khan
Independent Financial AdviserNadia has over 15 years of experience in the financial services industry. Throughout her career, she has worked with a broad range of clients, helping… Read more -
Andrew Simpson
Independent Financial AdviserAndrew has been working in financial services for over 30 years, in both holistic personal and corporate roles. … Read more -
Phil Jenkins
Chartered Financial PlannerPhil is a Chartered Financial Planner, a Fellow of the Personal Finance Society and an Occupational Pension Transfer Specialist. … Read more -
Lee Bloomfield
Independent Financial AdviserLee has been a financial adviser for 17 years. He is based at the Wren Sterling Shepperton office in Surrey, currently working towards Chartered… Read more -
Darren Nightingale
Independent Financial AdviserDarren has worked in Financial Services for over 16 years working both as a Independent Financial Adviser and a Mortgage Adviser. In this time he has… Read more -
Ian Brookes
Chartered Financial PlannerIan has worked in financial services for nearly 20 years. He started his career supporting financial advisers, becoming qualified himself, and… Read more -
Nik Radojcic
Independent Financial AdviserNik has worked in the financial services industry since starting his career in Financial Services in 2008. … Read more -
Brian Astridge
Independent Financial AdviserBrian has worked in the financial services sector for almost 30 years. He trained to be an accountant and went on to be an independent financial… Read more
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James Twining
Chief Executive OfficerJames is Chief Executive Officer of Wren Sterling, the Wren Sterling Group and Magnus. He joined the business in February 2022, having previously…Read more -
Linda Payne
Chief Operating OfficerLinda is Wren Sterling's Chief Operating Officer and she has been in financial services for over thirty years, with her last ten years spent at Tilney…Read more -
David Kelly
Chief Financial OfficerDavid joined Wren Sterling following fourteen years at Barclays Bank, where he most recently was Managing Director of Savings and CEO of Barclays…Read more -
Austin Hutchinson
Financial Planning DirectorAustin Hutchinson is Wren Sterling’s Financial Planning Director. Austin joined Wren Sterling as a result of the Mutual Financial Management…Read more -
Paul Chafer
Chief Commercial OfficerPaul has 35 years’ experience in financial services and prior to joining Wren Sterling in 2008, he held a number of senior positions within banks…Read more -
Elaine Batchelor
Risk & Compliance DirectorElaine has over 25 years of financial services experience, having been successful in Sales Management, T&C and Compliance. Elaine joined the…Read more -
Rory McPherson
Chief Market StrategistRory is CIO of Magnus, Wren Sterling Group's discretionary fund management business and Wren Sterling's Chief Market Strategist. He joined the…Read more -
Henry Blunt
Acquisitions DirectorHenry Blunt is Wren Sterling’s Acquisitions Director. Henry joined Wren Sterling in November 2021 following eight years at Retiring IFA, where he…Read more -
Stephen Williams
Director of HRStephen joined Wren Sterling in November 2016 from Wesleyan Assurance Society. …Read more -
Ian Halley
Non-Executive DirectorIan joined Wren Sterling from Aviva in November 2016 and was Chief Executive Officer for five and a half years, leading Wren Sterling through its…Read more -
Clemmie Vaughan
Non-Executive DirectorClemmie is a former asset management group CEO. From 2017 to 2021 she led, grew, internationalised and digitised Ruffer, the pre-eminent investment…Read more -
Jason McGuigan
Regional Director, Oxford & Chartered Financial PlannerJason has been a financial planner since 1988 and over this time, he has gained the globally recognised Certified Financial Planner designation and…Read more -
Jason Strain
Chartered Financial PlannerJason became Wren Sterling’s Regional Director (Midlands) following the acquisition of HB&O Financial Services in early 2023. Over a decade…Read more -
Gareth Hope
Head of ResearchGareth is Wren Sterling's Head of Research and a Chartered Financial Planner. Gareth is a member of Wren Sterling's Investment Committee and as a…Read more -
Paul Mitchell
Director, Corporate SolutionsPaul has worked in the employee benefit industry for over 25 years, 15 of which have been spent advising companies on their employee benefit strategy.…Read more -
Andrew Mence
Chartered Financial PlannerAndrew has spent over 17 years accumulating considerable experience providing financial advice, helping individuals create wealth, retire and pass it…Read more -
Tim Seegar
Independent Financial AdviserTim joined Wren Sterling in 2013, and has been advising many of his clients for over 20 years. …Read more -
Nicolas Chaitow
Chartered Financial PlannerNick is a Chartered Fellow of the Personal Finance Society, Chartered Member of the Securities Institute and an occupational pension transfer…Read more -
Karandev Digpal
Independent Financial AdviserWith seven years of experience navigating complex financial matters, Karandev offers clear, tailored advice to help individuals and families make…Read more -
Nick Moules
Marketing DirectorNick has been in charge of Wren Sterling's marketing since 2016. He is a Chartered Institute of Marketing-qualified marketer with experience in…Read more -
Keri Carter
Certified Financial PlannerKeri qualified as a Certified Financial Planner™ in 2007 and went on to be announced as the inaugural winner of the CFP™ Professional of the Year…Read more -
Jasmit Bahia
Regional Manager, PartnershipsJaz Bahia runs Wren Sterling's Partnerships arrangements with our Building Society partners. Prior to working for Wren Sterling he worked at the West…Read more -
Jackie Smith
Financial PlannerJackie has enjoyed working as an IFA for 30 years, building long term relationship with clients over decades and advising them through all the stages…Read more -
Peter Naughton
Independent Financial Adviser -
Ghazenefar Ahmed
Independent Financial AdviserGhaz has worked in financial services since 2010, and as a qualified independent financial adviser since 2018. …Read more -
Sharon Mattheus
Independent Financial AdviserSharon Mattheus has over 20 years of experience in the financial services industry. Throughout her career, she has earned several significant…Read more -
Terry Ratcliffe
Independent Financial AdviserTerry has spent the last 7 years working in the financial services industry and has built a wealth of knowledge and experience. He started at a Wealth…Read more -
Tim Hawkins
Chartered Financial PlannerTim has been a financial adviser for over 25 years. He became an associate of the Chartered Insurance Institute (ACII) early in his career and is now…Read more -
Nadia Khan
Independent Financial AdviserNadia has over 15 years of experience in the financial services industry. Throughout her career, she has worked with a broad range of clients, helping…Read more -
Andrew Simpson
Independent Financial AdviserAndrew has been working in financial services for over 30 years, in both holistic personal and corporate roles. …Read more -
Phil Jenkins
Chartered Financial PlannerPhil is a Chartered Financial Planner, a Fellow of the Personal Finance Society and an Occupational Pension Transfer Specialist. …Read more -
Lee Bloomfield
Independent Financial AdviserLee has been a financial adviser for 17 years. He is based at the Wren Sterling Shepperton office in Surrey, currently working towards Chartered…Read more -
Darren Nightingale
Independent Financial AdviserDarren has worked in Financial Services for over 16 years working both as a Independent Financial Adviser and a Mortgage Adviser. In this time he has…Read more -
Ian Brookes
Chartered Financial PlannerIan has worked in financial services for nearly 20 years. He started his career supporting financial advisers, becoming qualified himself, and…Read more -
Nik Radojcic
Independent Financial AdviserNik has worked in the financial services industry since starting his career in Financial Services in 2008. …Read more -
Brian Astridge
Independent Financial AdviserBrian has worked in the financial services sector for almost 30 years. He trained to be an accountant and went on to be an independent financial…Read more -
Marie Lowry
Head of ConnectMarie is Head of Wren Sterling’s desk based IFA services (Connect) . She joined the business in October 2021 , having previously been Head of…Read more -
Steve Smith
Independent Financial AdviserSteve has worked in financial services since 1999, and been part of the Wren Sterling Family since 2009. …Read more -
Robert Blumberger
Independent Financial Adviser and Pension Transfer SpecialistRobert has been advising clients for the last 20 years. As many clients have complex financial situations, he provides holistic advice to include…Read more -
Andrew Binns
Chartered Financial AdviserAndrew has worked in the Financial Services Industry for almost 20 years which has seen him working in various segments of the industry including four…Read more -
Danielle Bearfield
Independent Financial AdviserDanielle is well experienced across many areas of financial services, including retail banking, mortgages, protection, and wealth management for…Read more -
Rita Verma
Chartered Financial PlannerRita has worked in the financial services industry since 2004 advising individuals on complex financial situations, she provides holistic advice to…Read more -
Paul Grew
Independent Financial AdviserWith over 25 years working in the financial services industry and over 21 years spent as a financial adviser, Paul has a wealth of knowledge and…Read more -
Mike Jacobs
Independent Financial AdviserMike is a financial planner, taking into consideration both the needs of his clients and the benefits that his advice may have on other family…Read more -
Adele Crane
Independent Financial AdviserAdele has worked in the financial industry since 2001, joining Wren Sterling in 2017. Adele focuses on building long term relationships with her…Read more -
Michael Spencer
Independent Financial AdviserMike has worked in financial services for over 30 years and has been with Wren Sterling since its inception. He works closely with his clients to…Read more -
Ian Weatherhead
Independent Financial AdviserIan has worked in the financial services industry since 1996, holding a number of roles in various financial organisations from insurance companies…Read more -
Susan Rai-Hutchins
Independent Financial AdviserSusan has worked in the financial services industry since 1989 in a number of roles and organisations from insurance companies to advisory firms. …Read more -
Paul Poulter
Financial PlannerPaul worked in financial services for 30 years as a financial planner with financial advisers, high street banks and wealth management firms. …Read more -
Barrie Storm
Independent Financial AdviserBarrie focuses on his clients' personal goals and aspirations. He prides himself on being able to explain complex financial concepts in easy to…Read more -
Colin Brisco
Independent Financial AdviserColin has worked in the financial services industry for over 30 years in a number of roles and organisations from insurance companies to advisory…Read more -
Ray Jackson
Independent Financial AdviserRay joined Wren Sterling in March 2021. He has been in financial services since leaving school to join NatWest where he worked in many varied roles…Read more -
Ted Towers
Independent Financial AdviserTed has been providing financial advice to a range of clients for over 28 years. Throughout his career, Ted has worked for several companies within…Read more -
Sarah Herd
Head of WorkplaceSarah has worked in the financial services industry for over 25 years. She joined Wren Sterling in 2016 having worked as an independent financial…Read more -
Sebastian Athow-Frost
Chartered Financial PlannerSebastian has worked in financial services for over a decade and is one of the longest-serving members of our Connect team. Sebastian holds the…Read more -
Bryan Stott
Corporate ConsultantBryan has worked in the employee benefit industry for over 20 years and before that he ran his own IFA practice. Bryan has been heavily involved in…Read more -
Robert Hudson
Chartered Financial PlannerRobert has been with Wren Sterling since 2009. He is responsible for providing ongoing planning advice to a broad range of clients from company…Read more -
David Stokes
Chartered Financial PlannerDavid specialises in helping his clients make efficient use of their wealth. David’s clients often reach out during times of transition in their…Read more -
Ross Woodhouse
Independent Financial AdviserProviding advice on pensions, investments, protection and tax planning; Ross provides holistic financial advice and prioritises building relationships…Read more -
Indoo Gordon
Specialist Medical AdviserIndoo has worked in the financial advice industry since 1987. She specialises in advising doctors, both GPs and hospital doctors, on their unique…Read more -
Craig Greenall
Independent Financial AdviserCraig joined the financial services industry back in 1994 as a Financial Consultant with Prudential, becoming an independent financial adviser in 2000…Read more -
Rob Hadfield
Independent Financial Adviser -
Steve Bingham
Regional DirectorSteve has been a financial adviser since 1988 although he graduated with a 2i BSC (hons) from Birmingham University in 1986 in Chemical Engineering.…Read more -
Steve McMahon
Independent Financial AdviserSteve transitioned into Financial Advice in 2013, spending nearly 10 years with Mutual Financial Management. In 2022, he joined Wren Sterling…Read more -
Natalie Hopkinson
Independent Financial Adviser -
Bradley Parry
Chartered Financial PlannerBradley has over 11 years experience in the financial services industry, and has worked from all sizes of organisation, from high street banks to a…Read more -
Thomas Dawe
Chartered Financial PlannerThomas is a Chartered Financial Planner and advises on most areas of financial planning, with a particular focus on pensions, investments and…Read more -
Anthony Baynham
Chartered Financial PlannerAnthony works with his clients to ensure they have an effective plan for their future, specialising in business and family protection, investments,…Read more -
Mark Newton
Chartered Financial PlannerMark is a Chartered Financial Planner and has been in financial services for over 25 years. He is able to provide advice on all aspects of financial…Read more -
Ian Chetwynd
Mortgage Services AdviserAs a mortgage and protection specialist, Ian’s role is to take the stress out of finding a mortgage by doing the hard work for you. …Read more -
Graeme Wake
Independent Financial AdviserGraeme has worked in financial services since 1984. He has experience at several national financial planning and wealth management firms, and a global…Read more -
Clive Barwell
Head of Later Life AdviceClive has been providing financial planning advice and guidance to private clients since entering the profession in 1971, joining Wren Sterling in…Read more -
Roger Dickenson
Corporate ConsultantRoger has over 25 years’ experience providing advice to SME clients on employee benefits provision. This includes the review and communication of…Read more -
Mark Torrado
Independent Financial AdviserMark specialises in holistic financial planning for clients at retirement by taking complex financial needs and making this simple and easy for…Read more -
Graeme Beattie
Independent Financial AdviserGraeme joined financial services in 2018 after leaving the University of Glasgow where he achieved a degree in business management. He obtained…Read more -
Tom Driver
Chartered Financial PlannerTom is an experienced Chartered Financial Planner and Fellow of the Personal Finance Society with a strong background in providing retirement…Read more -
Greg Allan
Independent Financial AdviserGreg has been providing financial advice services for over 18 years, and has helped many private clients achieve their lifestyle goals. He always…Read more -
Tim Bell
Independent Financial AdviserTim has over 25 years of experience advising private clients in all areas of financial planning, answering their questions like 'is my pension at…Read more -
Derek Dunbar
Regional Manager, ScotlandDerek joined Wren Sterling in 2016 as part of the firm's growth strategy in Scotland. Derek is highly experienced in regulated management roles and…Read more -
Anthony Bilan
Independent Financial AdviserAnthony has been working in financial services for nearly 10 years, building up a wealth of knowledge and experience being previously employed with…Read more -
Tim Dendy
Independent Financial AdviserTim's first career was as a secondary mathematics teacher, where he enjoyed problem solving and helping people break down seemingly difficult concepts…Read more -
Lisa Barnes
Independent Financial AdviserLisa began working in the finance industry in 2017, starting as a mortgage broker before progressing quickly into holistic financial advice, working…Read more -
Gareth Edwards
Regional DirectorGareth previously ran and subsequently sold his own successful financial services business before pursuing a career as an FA in London. …Read more -
Alistair McNeil
Independent Financial AdviserAlistair joined Wren Sterling in August 2019 and brings with him a wealth of knowledge and experience. …Read more -
Bramwell Towse
Director, Corporate SolutionsBramwell has 40 years of financial services experience with the past 37 years in employee benefits. Areas of advice include group pensions (both…Read more -
John McNulty
Independent Financial AdviserJohn has worked in the financial services industry since 1992, qualifying as a Financial Adviser in 1995. He offers advice to clients on a wide range…Read more -
Rod Hamilton
Independent Financial Adviser -
Jeff Ralston
Regional DirectorJeff has been working in financial services for over 25 years, in both holistic personal and corporate roles. Joining Wren Sterling in 2023 as a…Read more -
David Simons
Independent Financial AdviserDavid has been providing financial advice to clients since 1999 and specialises in investments, inflation, pre and post retirement planning,…Read more -
Keith Stockdale
Chartered Wealth Manager & Financial PlannerKeith Stockdale was the co-founder of the Stockdale Group & joint Director of Stockdale Asset Management & Stockdale Accountants Ltd. and sole…Read more -
Stephen Casey
Regional DirectorStephen has over 40 years of product provider, intermediary and management experience within financial services. His areas of specialisation are…Read more -
David Kyle
Independent Financial AdviserDavid has 25 years’ experience in Financial Services, and joined the previous incarnation of Wren Sterling’s Belfast team, Ralston Bennett, since…Read more -
Mike Daniels
Independent Financial AdviserMike has nearly 50 years experience as a Financial Planner, and was the Managing Partner of an Oxfordshire based firm before starting his own firm…Read more -
Julie McVeigh
Independent Financial AdviserWith 35 years’ experience in Financial Services, Julie joined 18 years ago from Aegon/Scottish Equitable and has had a few roles throughout the…Read more -
Owen Armstrong
Independent Financial AdviserOwen has nearly 35 years’ experience in Financial services. He has worked for many multinational insurance companies since 1991 and has been in his…Read more -
Gordon Smith
Independent Financial AdviserGordon boasts almost 29 years financial services experience. In his time in the industry he has worked for large product providers and several advice…Read more -
Ian Black
Independent Financial AdviserIan has worked in the financial services industry for over 20 years, providing independent financial advice for both personal and commercial clients.…Read more -
Pete Heale
Chartered Financial PlannerPete has worked in financial services for his entire 35-year career. He has advised both personal and business clients for the past 20 years,…Read more -
Chris Devey
Independent Financial AdviserChris has been providing financial advice to both personal and corporate clients for over 20 years and is both a Chartered Financial Planner and a…Read more -
James Allen
Independent Financial AdviserJames has worked in the financial services industry for over 13 years, amassing a wealth of knowledge and experience. During his career, James started…Read more -
Stuart Maddocks
Independent Financial AdviserStuart has a vast experience built since 1998 and is able to provide advice to clients on a wealth management plan that will suit their needs. His…Read more -
Stephanie Clancy
Independent Financial AdviserWith over 17 years’ experience in the financial services industry, Stephanie works as an Accredited Paraplanner, having qualified with the Chartered…Read more -
Grant Irvine
Independent Financial AdviserGrant has worked in financial services since 2010, providing mortgage and protection advice, searching the whole of the market to recommend the best…Read more -
Colin Chambers
Independent Financial AdviserColin has been in the industry for some 24 years starting with a major life company based in Southampton, then moving to a local IFA practice in 1997.…Read more -
Ben Giles
Independent Financial AdviserBen started in the Financial Services Industry in 1997. …Read more -
David Young
Independent Financial AdviserDavid graduated from the University of Portsmouth in 2008, with a BA Hons in Business Studies. He holds the current industry benchmark qualifications,…Read more -
Joe Kendall
Independent Financial AdviserWith a keen eye for financial strategy and a dedication to his clients' success, Joe has established himself as a trusted advisor in the finance…Read more -
Jon Hoar
Mortgage & Protection AdviserJon is a mortgage and protection specialist, having been in the industry continuously since the end of the 1980s - moving from London to Bath and the…Read more -
Sam Sharp
Independent Financial AdviserSam has been in the financial services industry since 1999 and has been a regulated adviser since 2006. …Read more -
Charles Seymour-Cole
Independent Financial AdviserCharles has been an IFA for over 30 years. He is qualified under the current industry benchmark qualifications and the Advanced Financial Planning…Read more -
Andrew Murphy
Chartered Financial PlannerAndrew is a Chartered Financial Planner. He has been working in financial services for 25 years and has had a variety of roles in that time and as a…Read more -
Nick Stewart
Managing DirectorAfter an early career in Building Society Management, Nick became an Independent Financial Adviser in the late 1980's and holds the current industry…Read more -
Melissa Ellis
Independent Financial AdviserMelissa is a Certified Financial Planner and has worked in the financial services industry for over six years. She is dedicated to helping…Read more -
Rod Simpson
Independent Financial AdviserRod has been giving financial advice to clients for the last 30 years. During this period, he has represented some highly reputable organisations…Read more -
Ross Adams
Independent Financial AdviserRoss joined WS in late 2024 and has been an IFA for 6 years after moving into advice from managerial roles in the branch network with Nationwide…Read more -
David Baker
Financial Planning Support ManagerDavid joined Wren Sterling in 2024 having previously been a Howe Maxted Group Director since 2015. David’s distinguished career in financial…Read more -
Ryan Ford
Independent Financial AdviserRyan is a Chartered Financial Adviser with a passion for empowering clients to live their best lives. By providing clear insights into their financial…Read more -
Gary Bodle
Chartered Financial PlannerGary has been working in the financial services sector since 1984 and has been working from Tenterden since 1999. Gary’s breadth of knowledge and…Read more -
Laura Brown
Independent Financial AdviserLaura has worked in the Financial Services Industry for over 30 years, for a Private Bank and a small Independent Financial Services firm. Today Laura…Read more -
Jess McGuigan
Chartered Financial PlannerJess is a Chartered Financial Planner based in Oxford and the Cotswolds. She has worked in Financial Service for 11 years. Jess can advise on a wide…Read more -
Craig Ross
Financial PlannerCraig started off as a mortgage and protection adviser. Since then Craig has furthered his education and gained his diploma and offers holistic advice…Read more -
Fiona MacKenzie
Chartered Financial PlannerFiona has been in financial services since 1998, initially working in banking. Her experience and commitment to learning and her profession has led…Read more -
Janine Jackson
Independent Financial AdviserAs a Financial Planner at Wren Sterling, Janine focuses on delivering clear, practical advice that helps clients feel confident about their financial…Read more -
Robert Adie
Financial PlannerBob is Diploma qualified with over 30 years’ experience in the Financial Services Industry. His business is based on building relationships with…Read more -
Kevin Munro
Financial PlannerKevin has extensive experience in the financial services industry, having started in 1997. Kevin has become known for his expertise in pensions and…Read more -
Steven Clark
Financial PlannerSteven graduated from The University of Aberdeen with a Degree in Business Management & Finance. Steven is passionate about telling client’s the…Read more -
Andrew Paton
Mortgage and Protection AdviserAndrew has been in financial services since 1985 and as a mortgage broker since 2003. He is happy to provide advice on all aspects of mortgages and…Read more -
Kenny MacDonald
Financial PlannerKenny has over 35 years’ experience in financial services. Diploma qualified and a member of the Chartered Insurance Institute, he provides a full…Read more -
Finlay Smith
Mortgage and Protection AdviserAfter studying Business and Accounts at Aberdeen College, Finlay began studying to become a mortgage advisor. Finlay is keen to learn and looks…Read more -
Shoina Smith
Financial PlannerShoina has worked in Financial Services since 1999. After taking a career break in 2016, she is delighted to be back in a Financial Planner role.…Read more -
Jackie Cameron
Financial PlannerA university graduate, Jackie began working as a Fund Administrator helping to price Life & Pension funds for an international investment services…Read more -
Andrew Beaton
Financial PlannerAndrew began his career in finance back in 1989 having held various positions with both Nationwide Building Society and Royal Bank of Scotland. He is…Read more -
Kenny Fairbairn
Financial PlannerKenny has been in the financial services industry since 1985, working in the banking sector until 2007, thereafter, commencing his career as a…Read more -
John Moir
Financial PlannerJohn has been in financial services since 1991. He is Diploma qualified and a member of the Chartered Insurance Institute. He provides a full range of…Read more -
Rhianna Watson
Financial PlannerRhianna has worked in the financial services sector since 2014. She diligently worked through her exams and became Diploma qualified in 2021. …Read more -
Dougie Smith
Financial PlannerDougie has over 24 years’ experience in Financial Services. Diploma qualified and member of the Chartered Institute, he provides a full range of…Read more -
Alex Cooper
Financial PlannerAlex is a Business and Spanish university graduate, and is now a fully qualified financial planner after spending over a decade playing professional…Read more -
Sean Craig
Chartered Financial PlannerSean begun his career in Financial Services back in 1986 with TSB. He has recently become a Fellow of the Chartered Institute of Insurance in…Read more -
Eileen Anderson
Financial PlannerEileen previously worked for a Solicitor’s firm. She is Diploma qualified and is a member of the Chartered Insurance Institute with over 27 years’…Read more -
Martin Clark
Financial PlannerMartin graduated from the University of Aberdeen in 2017 with a Masters in Petroleum Engineering. He is fully qualified to offer financial planning…Read more -
John Austin
Senior Financial PlannerJohn’s distinguished financial services experience spans 35 years. Proficient in all areas of investment, pensions, inheritance tax and other wealth…Read more