Our Advisers

John has 38 years in the insurance/financial services profession in Scotland. He has worked with the National Farmers' Union, Towry Law, Standard Life and Schroder Life before becoming an IFA in 1985.

John holds the Certificate in Financial Planning and enjoys helping clients with investment, inheritance tax planning, SIPPs (Self Invested Personal Pensions), Life Assurance and other protection contracts.

His experience places him in an excellent position to advise clients in all areas of finance.

Willie has been involved in financial services for 28 years providing technical advice as an IFA consultant and managing IFA Consultants for well known institutions before joining ERM as a Director.

He has been a member of the team since July 2002 and his areas of specialisation are Investments, Inheritance Tax, Trusts, Long Term Care and Equity Release.

He holds FPC, Trust and Tax, Long Term Care, Lifetime Mortgages, and Home Reversion Qualifications. He is also an Associate of the Chartered Insurance Institute.

Grant has 25 years of industry experience. Having worked for Scottish Life for 2 years and Standard life for 22 years. 19 of those years were spent as an account manager dealing directly with IFAs.

Grant holds the Certificate in Financial Planning and is an Associate of the Chartered Insurance Institute.

With his widespread experience Grant is in a position to advise on any areas of business.

Carolyne is our resident Mortgage Specialist. She has over 13 years of experience in the financial services industry. Carolyne follows a whole of market approach to finding the right mortgage at the right time.

She holds the Mortgage Advice Qualification, the Certificate in Equity Release along with the Certificate in Financial Planning and the Long Term Care Insurance qualification.

Carolyne is also a member of the CII and the Personal Finance Society of Mortgage Professionals.

Paul has been involved in financial services for 22 years. His background is in institutional fund management, primarily in UK equities. He has worked for major financial institutions, including
Scottish Widows, General Accident and Ivory & Sime.

He has been a member of the team since July 2006 and his areas of specialisation are Investments, Tax Planning, Trusts and Pensions.
Paul holds the Advanced Financial Planning Certificate and is an Associate of the Chartered Insurance Institute.

Douglas has over 30 years experience in the financial services industry and has been advising clients since 1992.

Douglas provides advice in all areas of financial planning and specialises in retirement planning solutions.

Douglas holds the diploma in financial services and is an Associate of the Chartered Insurance Institute.