We help affluent individuals make great financial decisions

Multi award winning financial planners, part of an elite group of financial advisers to hold both the Certified Financial Planner licence and the Chartered Financial Planner designation.

Meet Team Affluent

Carl Melvin – Managing Director & Financial Planner

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. He is a Chartered Wealth Manager and a Certified European Financial Planner.

He holds a first class honours degree in Financial Planning and a Masters degree with merit in Financial Planning.

His primary role is to provide clients with advice and personal service on financial planning issues. He has over 30 years professional experience as a financial planner.

Carl's Qualifications

Kitty Stirling – Director & Practice Manager

Kitty joined us in 2019 and has many years experience in the financial planning sector. She has worked in administration, adviser support, compliance support and paraplanning. Prior to joining us Kitty ran her own outsourced paraplanning support business. Kitty holds a first class honours degree and has the CII Diploma in Financial Planning.

Kitty manages the day to day operations of our business, staff management, the development of internal processes and procedures and regulatory compliance management. She understands the many demands of running a regulated adviser business and is a key member of our senior management. Kitty was appointed a Director of the company in 2024.

email: practicemanager@affluentfp.co.uk

Jill Carrick - Adviser Support Administrator / Administration Team Lead

Jill joined us in the Spring of 2022 from Cigna Healthcare, a health insurance company for whom she worked for seven years in the role of Administration Assistant. Prior to this, she undertook financial planning exams whilst working with Scottish Widows. She also holds qualifications in Travel and Tourism from James Watt College and Glasgow Caledonian University.

Jill will keep you informed on the progress of any business which we may transact on your behalf and, as Administration Team Lead, she is currently looking to improve processes within the business.

email: advisersupport@affluentfp.co.uk

Anne Cain - Client Relationship Manager

Anne has a background in the personal care, recruitment and customer services sectors, most recently in the private medical insurance sector with Cigna Healthcare.

She has qualifications in Business and Finance from Pembrokeshire College and the University of Plymouth.

Anne is on our reception desk and the friendly face to welcome you. She is the person to contact should you have any queries and she will be the one to contact you to arrange your annual forward planning meetings.

Anne also provides support to our administration team, as as well as being Carl's Personal Assistant (PA).

email: crm@affluentfp.co.uk

Gordon Bruce - Trainee Paraplanner

Gordon has a background in the hospitality sector and construction. He holds a first class Master of Arts degree in Business Management from Herriot Watt University.

Gordon works in the adviser support team under direction from our Practice Manager, Kitty Stirling. He will provide Carl with technical support and fund analysis, as well as preparing suitability reports for clients.

Client Testimonials

testimonials

London based client wanting to escape corporate life

Carl met our needs extremely well. I have no hesitation in recommending him.

Mr SB, Renfrewshire Company Director considering final salary pension transfer

Carl was professional and forthright in his views with respect to the advice given. It was completely impartial and without any conflict of interest, which was much appreciated.

RA, Mechanical Engineer considering the transfer of a final salary pension

I do not believe that Carl could have done anything else as he addressed all my queries fully. Going forward I would have no issues with using Carl for my financial planning entering retirement.

IS, London Management Consultant planning for early retirement

Carl went into great detail on what our needs and goals were and as such all his advice has been linked directly to our requirements.

JM, Business Owner about to retire

Carl understood immediately my needs, and explained very clearly and concisely recommendations to what to do, simply Carl made it very easy for me to come to decisions.

AM, Consultant Anaesthetist

Good communication. Very knowledgeable and adapts to changing circumstances. Always has time.

JM, retired Business Owners

Working with Carl at Affluent FP has been one of the best decisions we've ever made. His knowledge of matters we've found confusing is extensive and he immediately put us at ease. Fifteen years on, his service still puts a smile on our faces.

JP, retired Hospital Doctor

Gives his advice in a straightforward trustworthy fashion!Puts one at ease- no apparent condescension!Provides opportunities for discussion quite readily and never gives the impression that one is taking up too much time.

JR, Project Engineer

Carl is very knowledgeable and attentive to our needs. He takes time to explain everything fully, and nothing seems too much trouble. He made what is a stressful situation very comfortable, and his advice has proved spot on. I cannot recommend him highly enough.

AW from Glasgow

I have recently had a lifestyle financial forecast which proved very valuable as now I can plan to retire early, and to return to University to study my chosen subject. This financial forecast has therefore given me confidence in giving up my job to become a full-time student with the knowledge that I will be financially independent and do not need to worry about the financial future.

MJ, retired surgeon

Very approachable and takes time to know his clients well and to foster a good interpersonal relationship. Offers prompt response to any specific issues or questions which arise. Annual review is always thorough and comprehensive and takes time to explain proposals and their implications.

JB, Company Director

I have been a client for nearly 20 years, and through that period Carl has provided dependable and sensible advice which has resulted in us making some very good investments and steadily building up our capital. Most importantly Carl is trustworthy and professional with his customer's interests at the heart of is business.

Reviews and Ratings for Financial adviser Carl Melvin, Paisley

How we get paid

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 Agreements. 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 Agreements which can be found at www.affluentfp.co.uk/resources.