After completing my degree at Stirling University in 1998, I began my financial career with Alliance & Leicester, moving to Halifax Financial Services in 2003. I then progressed into Wealth Management with the Bank of Scotland where I remained for a period of six years until I was invited to join St. James's Place as a Partner Practice in 2010. In 2015, due to my extensive wealth management experience and expertise in all areas of financial planning, Cruse Wealth Management was appointed a Senior Partner Practice.
I am extremely pleased to hold the Chartered Planner Qualification, the most widely accepted ‘gold standard’ qualification available for professional Financial Planners/Advisers in the United Kingdom and universally regarded as the premier qualification for those working in the Financial Industry. I am also honoured to hold the FPFS (Fellow of The Personal Finance Society), one of the most prestigious titles in UK Financial Planning and the highest designation awarded by the PFS. I have also completed a Master's Degree, with a Merit, in Wealth Management, at the University of Loughborough in 2018. This has been the proudest moment in my career to date.
I like to be honest, professional and transparent with all my clients and I believe in building strong, long-term relationships and conducting regular reviews to take account of any change in circumstances. The volume of referrals I receive each year, both from my clients and professional connections in the local area, is testament to the success of this approach.
When not working, I enjoy spending time with my wife, Lynne and three children, Kaila, Andrew and Finn, who keep me busy as well as entertained. I am proud to coach my oldest son’s local football team whose results tend to make or break my Saturday night! I am also a keen amateur musician and enjoy singing along to my guitar, usually with a nice glass of red wine!
After graduating from Glasgow Caledonian University in 2001 with a degree in Business Management, I began my financial services career with Aviva, progressing to AXA and finally joining St. James’s Place Wealth Management in 2010 at a Practice near London before joining Cruse Wealth Management.
My advice covers all aspects of wealth management but in particular tax efficient investment planning, retirement planning and inheritance tax mitigation. Like Andy, I firmly believe in building strong long-term relationships with my clients and conducting regular reviews to take account of their changing circumstances. I also aim to help clients develop and build upon their financial future and goals. I am committed to continuing my professional development and have recently achieved Chartered Financial Planner status.
Having worked and lived in England for 10 enjoyable years, the time came to return to Scotland with my husband Derek and our 2 children Lucy & Josh which is when I joined Cruse Wealth Management. When not spending time with family and friends, keeping fit is a real passion of mine and I enjoy running and more recently outdoor bootcamp which certainly puts me through my paces!
I also volunteer for my local rainbows pack, part of the Girl Guide Association.
Starting working life in 2007, I began building a career right at the start of the financial crash. This imprinted on me the impact of poor financial planning and the importance of taking action when looking to the future. I have always been interested in people. My experiences to date have helped me to understand what’s important to the individual, and my training in banking and with St. James’s Place has given me the skills to help deliver those important things.
I have always been client-focused. On leaving higher education I worked in management in the retail industry helping to build trust with customers where I learned a great deal about communication and working with people. I then entered the finance industry back in 2014 with Nationwide Building Society and began giving advice to clients in 2015 starting as a mortgage adviser before gaining my qualification in financial advice.
I moved to Stirling in 2013 with my wife Emma. Leaving our home town behind we quickly settled and welcomed a new addition to the family, our dog Eden. Emma and I love the outdoors and spend our weekends exploring the country. I also love golf and can often be found in the rough searching for my ball.
With over 26 years’ experience working in the Financial Services Industry, I spent 15 years working at Standard Life as a Customer Services Manager. There I gained extensive experience in running large teams, while managing all aspects of customer care for our high net worth clients, as well as key accounts. I then moved to Prudential in 2008 taking on a similar role as a Team Manager working in the St. James's Place Administration Centre. This move was driven by the desire to be closer to my family and have a better work-life balance.
I was delighted to be offered the opportunity to work with Andy as his Business Manager in 2011. I am responsible for overseeing the daily operations of the office, managing the team to ensure everything runs smoothly and most importantly developing our client relationships. We have a strong focus on our client’s individual and unique needs, and I like to ensure we consistently deliver a premier service: clients are at the heart of our business. I am responsible for our marketing and I am always eager to explore new opportunities to grow and develop the business. I also organise and host our regular client events which is a really fun part of my role.
I live in Stirling with my husband Ross, and my two beautiful girls Farah and Ria.