Meet the Team

 

Carl Melvin – Managing Director

Carl is a multi award winning financial planner, and is one of an elite group of financial advisers to hold both the Certified Financial Planner licence and the Chartered Financial Planner designation. His primary role is to provide clients with advice and personal service on financial planning issues. He has over 27 years professional experience as a financial planner and holds a 1st class honours degree in Financial Planning and a Masters degree with merit in Financial Planning


Fiona Brown – Senior Client Service Administrator

Fiona deals with our client service & portfolio administration. She has many years experience in financial administration having worked for financial planning businesses in London & Hampshire before returning to Scotland.

 


Gemma Dennis – Outsourced Client Service Administrator

Gemma has been working in the financial services sector since 2000, the last 6 years as an outsourced administrator. Gemma’s responsibilities range from general administration and client management to working with third parties to ensure all appropriate and relevant data and information is available to enable us to carry out research, analysis and to make recommendations for clients. In addition, Gemma works with the paraplanning team to implement investment strategies.


Richard Allum CFP – Outsourced Paraplanner

Richard is our senior technical Paraplanner and supports Carl in high level technical analysis and complex planning issues.Richard is a leading advocate for paraplanning in the UK and is a Certified Financial Planner with a lifelong interest in technology and cash-flow forecasting.


Kim Bendall CFP,FPFS – Outsourced Paraplanner

Kim is our Paraplanner and assists Carl with detailed investment analysis and financial plan construction, as well as client report writing. Kim holds both the Certified Financial Planner and Accredited Paraplanner status from the Institute of Financial Planning, as well as being a Fellow of the Personal Finance Society.
Following a career in accountancy, Kim joined the financial services industry in 2000. Since then she has worked as both an independent financial adviser and a paraplanner. Kim was named “Paraplanner of the Year” in the 2013 Professional Adviser Awards


Zoey Moorhouse – Financial Administrator

Zoey is our outsourced financial administrator and deals with our financial reconciliation requirements. She provides management accounting support to the Managing Director and also manages our regulatory reporting.

Zoey is a qualified accountant and previously worked as the financial controller of a large financial advisory firm. She is an expert in the financial management requirements of regulated financial planning firms.

February 2016 Carl Melvin is elected a Chartered Wealth Manager by the Chartered Institute for Securities and Investment

December 2015 Carl Melvin is elected a Fellow of the Chartered Institute for Securities and Investment – Chartered FCSI

September 2014 Carl Melvin is accepted by Glasgow Caledonian University Business School to study for a PhD in Financial Planning

June 2014 Carl Melvin successfully completes the Society of Trust & Estate Practitioners (STEP) exam in Financial Services

February 2014 – Carl Melvin graduates with an MSc with Merit Masters degree in Financial Planning from Manchester Metropolitan University

June 2013 Carl Melvin successfully completes a Post Graduate Certificate in Life & Retirement Planning from Kingston University, London

Jan 2013 Carl Melvin is elected a Fellow of the Personal Finance Society

Jan 2013 Carl Melvin successfully completes the R05 exam – Financial Protection Planning

August 2011 Carl Melvin successfully completes the CII CF8 exam – Long Term Care Planning

Nov 2010 – Carl Melvin is nominated in the Edinburgh Napier University “Alumnus of the Year awards 2010″

July 2009 Carl Melvin graduates with a 1st class honours degree in Financial Planning from Edinburgh Napier University

Jul 2008 Carl Melvin successfully completes an ordinary degree in financial services from Napier University

Jan 2007 Carl Melvin accredited as Divorce Financial Planner with Resolution UK

Nov 2006 Carl Melvin is awarded the Chartered Financial Planner title

Aug 2006 Carl Melvin passes CF2 – Investment & Risk

Aug 2006 Carl Melvin passes CF7 – Lifetime Mortgages

Jun 2006 Carl Melvin passes CII Financial Advisers’ International qualification

May 2006 Carl Melvin passes CF9 – Pensions Simplification

Jan 2005 Carl Melvin becomes an Associate of the Personal Finance Society

Oct 2003 Carl Melvin is elected an Associate of the Society of Financial Advisers

Oct 2003 Carl Melvin is elected a Fellow of the Life Insurance Association by Diploma

Jul 2003 Carl Melvin passes PMI certificate in Trustee Pensions Knowledge

Apr 2003 Carl Melvin is awarded the Certified Financial Planner licence

May 2002 Carl Melvin passes the IAB Diploma in Small Business Financial Management

Oct 2001 Carl Melvin passes CIBS certificate in Mortgage advice practice

May 1997 Carl Melvin passes Chartered Institute of Bankers Professional Investment Cert

June 1996 Carl Melvin is elected an Associate of the Institute of Financial Planning

Aug 1996 Carl Melvin is certificated in Financial Planning by Charted Insurance Institute

Jul 1996 Carl Melvin passes CII Advanced Financial Planning Certificate (inc G60)

Jul 1992 Carl Melvin passes CII Financial Planning Certificate

Mar 1989 Carl Melvin elected an Associate of the Corporation of Insurance Financial Advisers

We are a fee based financial planning practice, and this means that clients pay fees for our services.

Your initial meeting with us is at our expense and you are under no obligation to use our services. The purpose of the initial meeting is to discuss your requirements, to outline how we can help you and for you to decide whether we are the right adviser for you. If we decide to work together, we will agree the advice and services you require and outline our fees. We operate a fixed fee agreement so that you know the cost of our services before we undertake work on your behalf.

Where you decide to engage our services, you will be required to pay an initial engagement/planning fee as outlined in our Client Agreement. Should you instruct us to arrange investments or insurance plans on your behalf, implementation fees will be payable. You may elect to pay us by commission rather than personal fee payment for the implementation of non investment insurance plans. A fee will be payable for the provision of ongoing services.

Full details can be found in our Client Agreement – Part 2 – Services & Charges document, which will be provided to you before you choose to use our services.

2016

Shortlisted - Financial Adviser of the Year (small to medium firm) in the MoneyAge Awards 2016

Winner of Best Lifestyle Financial Planning Firm – Renfrewshire Management Awards 2016

Vouched For UK Top 250 Independent Financial Adviser 2016

 

2015

Nominated in The Finance Awards 2015, sponsored by the Wealth & Finance International

Moneyfacts Life & Pensions awards 2015 – Finalist – Tax & Estate Planner of the Year

UK Top Rated IFA 2015

Aberdeen UK Platform Awards 2015 – Finalist – Leading Adviser Practice

 

2014

Unbiased Media Awards 2014 - Finalist - Retirement Adviser of the Year

Unbiased Media Awards 2014 - Finalist - Pension Adviser of the Year

UK Top Rated IFA 2014

 

2013

Unbiased Media Awards 2013 - Finalist - Pension/Retirement IFA Adviser of the Year

Citywire New Model Adviser Top 100 - 2013

Vouched for firm award - Best Rated Independent Financial Adviser firm in Renfrewshire

New Model Adviser Awards 2013 Finalist - Scotland & Northern Ireland

Moneyfacts Life & Pensions awards – Finalist – Tax & Estate Planner of the Year

 

2012

Citywire New Model Adviser of the Year – Finalist – Scotland & NI

Citywire New Model Adviser Top 100 - 2012

 

2011

Citywire New Model Adviser of the Year – Finalist – Scotland & NI

 

2010

Good Advice Awards 2010 Tax and Estate Planner of the year

Professional Adviser Awards 2010 Winner - Innovative IFA of the year

Citywire New Model Adviser of the Year – Winner – Scotland & NI

 

2009

 

MoneyFacts Good Advice Awards - Commended – Best Retirement Adviser

 

2008

New Model Adviser Awards 2008 Finalist - Scotland & Northern Ireland

 

2007

Accredited Divorce Financial Planner 2007

Citywire New Model Adviser awards – Finalist – Scotland & NI

 

2005

2005 Court of the Table Member - The Million Dollar Round Table

 

2002

Business Gazelle Award for small business

 

1998

Money Marketing - IFA of the Year 1998 Finalist

Planned Savings IFA of the Year awards – highly commended Finalist – Business Assurance

 

1997

Money Marketing - IFA of the Year 1997 Finalist

Planned Savings IFA of the Year awards – highly commended Finalist – Business Assurance

 

1996

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Planned Savings IFA of the Year awards – highly commended Finalist – Business Assurance