Applying our acumen to your goals.

Based in our Aberdeen office, Abbi joined the Acumen Financial Planning team in July 2017.

Abbi began working as a financial planning administrator before being promoted to financial planning team lead, and has recently joined the Paraplanning team.

What do you like most about working at Acumen Financial Planning?

“How well everyone gets on and works together as a team. Also, the amount of support that is given when required.”

What has been your proudest career achievement to date?

“Passing my probation period.”

Tell us one thing that people would be surprised to find out about you.

“I used to be a cheerleader for a few years when I was in secondary school. We competed at least three times a year in different places over Scotland and even sometimes down to Liverpool. Also, I’m 1/16th Italian.”

What’s the best advice you’ve ever received?

“To always put yourself first and to do what makes you happy.”

Alana works in our Aberdeen office and joined Acumen Financial Planning in 2017, initially as a Paraplanner before qualifying as a Chartered Financial Planner. Alana’s career started at the Nationwide Building Society in 2006, and since then, she has had various roles within the banking and finance sector both in the UK and Australia.

She holds an Advanced Diploma in Financial Planning from the Chartered Insurance Institute (CII).

In her spare time, Alana loves to bake and can often be found in Ballater, spending time with her family.

What do you like most about working at Acumen Financial Planning?

“I love meeting clients; each client is unique with their own stories to tell. It makes me happy when I assist clients throughout their financial journey and see them living the life they hoped for once they stop working, without the fear of running out of money.”

“In addition, I like the flexibility and support you receive from Acumen Financial Planning. I’ve never worked for a company where your studies are just as important as your work. I feel we are supported when it comes to learning and development.”

What has been your proudest career achievement to date?

“Achieving my Advanced Diploma in Financial Planning and gaining my Chartered status with the CII.”

What’s the best advice you’ve ever received?

“Never make a permanent decision based on a temporary emotion.”

Alison joined Acumen Employee Benefits in September 2025. Her career began in financial services, working for a couple of large insurance companies, before gaining experience across various aspects of financial services, providing a strong business grounding.

For many years, Alison has specialised as an Employee Benefits Consultant and loves getting to know and understand businesses, their goals, and objectives, and helping them develop ongoing employee benefit solutions that align with their culture.

At Acumen Employee Benefits, Alison works with businesses to design, implement, and manage effective employee benefit strategies that support recruitment, retention, and employee wellbeing. She values working with professional, like-minded colleagues and felt welcomed into the team from day one.

Outside of work, Alison enjoys socialising with family and friends, walking, cycling, and skiing.

The best piece of advice Alison has received – and lives by – is to always treat others as you would like to be treated yourself.

Joining the Aberdeen team in late 2003, Andrea has progressed from working in the client support team to now being our Group IT and Data Manager.

Over the years, Andrea has worked on various projects, assisting with opening and renovating branch offices, firm acquisitions, and major IT projects.

Andrea is an avid music fan with eclectic tastes. She attends a diverse range of concerts from metal, rock and alternative to classical and opera, trying to fit in as many as possible during the year.

What do you like most about working at Acumen Financial Planning?

“Most days bring new challenges and learning opportunities. Over the years, I have been involved in various aspects of the firm as we were growing, but now I have specific responsibilities for management figures and IT.”

What has been your proudest career achievement to date?

“Being asked to be part of the small due diligence team by the Board when we started to look at companies who could join what is now The Financial Planning Group (our parent company). Being sent out as a representative of Acumen Financial Planning to vet potential future partners was an honour and a lot of responsibility.”

Tell us one thing that people would be surprised to find out about you.

“Over the years, I have taught myself to write some complex Excel formulas and even VBA coding to automate some of my routine tasks. It turns out I am a bit of a geek when I get stuck into writing formulas and codes.”

What’s the best advice you’ve ever received?

“Ask lots of questions and watch what your colleagues and other experts are doing well and learn from them – it’s the best way to pick up new skills.”

Andrew began his career in financial services in Edinburgh in 2008, working in several sectors from banking to life companies and platforms, gaining greater experience with various tax wrappers along the way. Andrew joined Acumen in Aberdeen as a Paraplanner in 2020, having recently moved back to the area with his fiancée and new baby.

Andrew’s move into paraplanning was a natural progression, building on his previous financial services experience and joining the advice profession. Andrew has completed the IOC (Investment Operations Certificate) with the CISI and attained his Diploma in Financial Planning with the CII, and is working to achieve his Chartered status on top of this.

In his free time, Andrew enjoys running, spending time with his family, trying to learn how to work his metal detector and would like to take up his late grandfather’s hobby of fly-fishing if he can find the time!

What do you like most about working at Acumen Financial Planning?

“I had heard a lot of good things about Acumen and their approach to financial advice and creating the best outcomes for their clients. I like the genuine positive impact we make on clients’ lives. The focus isn’t about selling them a product – it’s about analysing their circumstances and aims and mapping out how best these can be achieved. It’s an aspirational approach to advice that blends current client reality with their desired future. Additionally, as every client is different, there’s a real variety to the daily role.”

What has been your proudest career achievement to date?

“Achieving my Diploma in Financial Planning was a very proud achievement of mine, it was not easy entering the advice side of financial services at the start of the Covid-19 outbreak, with all the restrictions as well as a very young baby to look after, but thankfully Covid-19 is in the rear-view mirror, my daughter is at primary school and I am now working towards achieving Chartered status”

Tell us one thing that people would be surprised to find out about you.

“This probably won’t be a surprise to the people I work with, but I love words. The right word in the right place at the right time can make all the difference, and when you’re reading, writing or saying something you’re proud of, it feels like a symphony with all the notes in the right places.”

What’s the best advice you’ve ever received?

“’To move a mountain you must begin by carrying small stones’ – useful in all sorts of situations!

When did you join Acumen Financial Planning?

I joined Acumen Financial Planning in June 2019.

Can you provide a brief overview of your career journey?

My journey with Acumen began in December 2018 when I was invited to spend a week gaining work experience. I was impressed by the company’s culture and the dynamic nature of financial planning.

In June 2019 I officially joined Acumen as a Financial Planning Administrator after finishing school. In February 2022, I transitioned into the Paraplanning Team. In June 2024, I achieved chartered status, becoming the youngest person in Scotland to reach this milestone at 23 years old. Most recently, in January 2025, I progressed to my current role as an Associate Planner.

What are your main responsibilities in your role at Acumen Financial Planning?

Having just joined the planning team in Aberdeen, I am continuing to work with Rhian Morgan closely and the rest of the Aberdeen Office helping clients on their financial journey. Additionally, I take an active role in mentoring, working with schools and student placements to encourage young talent to consider a career in financial planning.

Do you have any unique hobbies or interests?

I’ve represented Scotland internationally in table tennis at the junior level and continue to compete nationally. I’m also a keen runner – when I manage to brave Aberdeen’s weather!

‍What’s the best advice you’ve ever received?

“Tell people what you want – how else will they know if you don’t?”

‍

Joining Acumen Financial Planning in January 2023 and working in the Financial Services Industry since 2020, Andrew is a Financial Planner based in our Aberdeen Office.

During his time with Acumen Financial Planning, Andrew has been working closely with our existing clients and new clients helping them to achieve their Goals and Objectives.

He also is a presenter at our Ready, Set, Retire Seminars which educate and inform prospects on the services Acumen Financial Planning can offer.

Andrew also works as Financial Planner for SpringGen Advice Ltd helping the next generation of Investors create robust, secure and flexible Financial Plans.

Outside of the office, Andrew has a keen interest in Cars, Motorbikes and Motorsport, especially following Formula 1. But when he is not sitting down to watch a race, Andrew enjoys spending time with his wife and their cocker spaniel, Freddie along with family and friends.

What do you like most about working at Acumen Financial Planning?

“Every client has their own unique Financial Journey with needs and requirements varying on their goals and objectives. Whether it be young professionals starting their careers and looking to setup that first investment with SpringGen Advice Ltd, to clients looking to step back from work and begin to enjoy retirement, to clients in later life looking to pass on their wealth down to the next generations and create a family legacy.”

“Having the knowledge and ability to help ensure clients can achieve their goals in life is the most satisfying part of being a Financial Planner.”

What has been your proudest career achievement to date?

“Passing all my exams first time to become a Financial Planner would be one career milestone. However, being able to demonstrate to clients they have achieved their lifelong goals and have that financial security to enjoy their lives will always be my proudest achievement.”

Tell us one thing that people would be surprised to find out about you.

“I enjoy cooking and trying out new recipes and learning different techniques (even if it doesn’t come out quite right every time).”

While studying for his LLB (Hons) degree in Law, Andrew realised that becoming a solicitor was not the route he wanted to pursue and began considering a career in financial services.

After hearing positive things about Acumen from friends and family already working in the industry, Andrew joined the company as a Financial Planning Administrator. He has since progressed to become a Paraplanner and is Diploma-qualified.

In his spare time, Andrew can usually be found playing amateur football or heading to Pittodrie to cheer on the Dons.

What do you like most about working at Acumen Financial Planning?

“The teams I work with are very supportive and work together to achieve the best outcomes for our clients.”

What has been your proudest career achievement to date?

“Getting my Diploma. There were a lot of late nights studying, and it was definitely a challenge completing it alongside a full-time job after becoming accustomed to having plenty of study time at university.”

What’s the best advice you’ve ever received?

“Never back the early kick-off.”

‍

Having earned two degrees – an MA (Hons) and MSc in the subjects of Geography, Italian, and Urban & Regional Planning – Andrew shifted his focus to Financial Services.

He holds a Diploma in Financial Planning (DipPFS) as well as being a level 4 mortgage adviser (CertSMP), and has worked in wealth management since 2011.

What do you like most about working at Acumen Financial Planning?

“I wanted to join Acumen Financial Planning, mainly because having looked into the firm, I was impressed at the way the firm works, its ethos, its commitment to its people and the service it provides to its clients. In addition, I love that Acumen focuses solely on core financial planning and not on the conversion of leads or products.

“Working with the team to build client plans which ensure their long-term financial independence.”

What has been your proudest career achievement to date?

“Getting the call from Dave to offer me the position at Acumen Financial Planning.”

Tell us one thing that people would be surprised to find out about you.

“I speak fluent Italian and lived in Turin for a year while studying at the University of Glasgow.”

What’s the best advice you’ve ever received?

“Don’t wait for the time to be right. When opportunities arise, take them with both hands.”

With more than three decades of experience in the employee benefits sector, Andy Eason DipPFS established our Employee Benefits division in March 2019.

Over the course of his career, Andy has provided consultancy services to organisations of all shapes and sizes, earning him a strong reputation for delivering exceptional client service. His areas of expertise cover the full scope of employee benefits, and helps companies design, implement, and manage tailored benefits packages that deliver value for employers and employees alike.

Outside of work, Andy enjoys playing golf and keeping fit. He is also a dedicated supporter of Dunfermline Athletic, regularly heading to East End Park for a match.

What do you like most about your work?

“It may sound like a cliché, but I genuinely believe we make a positive impact. Whether we’re supporting employers, engaging with employees, or helping colleagues internally, the focus is always on delivering meaningful value through employee benefits that are right for each individual situation.”

What has been your proudest career achievement to date?

“With the considerable support of the Group Directors, establishing Acumen Employee Benefits and welcoming our first client all those years ago.”

Tell us one thing that people would be surprised to find out about you.

“Early in my Employee Benefit Consultant career I spent 5 weeks offshore, hopping daily from one North Sea platform to the next to support the new employees of one my clients understand their benefits following an acquisition of a North Sea field. A close second to that, I once had a fringe!”

What’s the best advice you’ve ever received?

“Simply, and likely to be the same of many; treat others as you would expect to be treated yourself.”

‍

I graduated in 2023 with a First-Class BA (Hons) degree in Business and Marketing, having first joined Acumen in 2021 for a placement during my third year at university. I then returned to Acumen full-time after graduating as part of the marketing team.

What do you like most about working at Acumen Financial Planning?

The variety of my role and the opportunity to work with different teams and people across the business. It’s a very collaborative environment, and I enjoy being part of a business that helps clients at different stages of life.

What’s the best advice you’ve ever received?

Comparison is the thief of joy.

‍

Finance Graduate Calum has been a part of the Acumen Financial Planning Team since May 2021.

Joining our Aberdeen office as a Financial Planning Administrator, then moving in to the Parplanning team in 2024, Calum draws on his previous experience within investment banking with Morgan Stanley and Bank of America Merrill Lynch.

Outside of work, Calum keeps active by playing football, tennis, and golf.

What do you like most about working at Acumen Financial Planning?

“The culture of the company and getting the chance to help and educate people in financial planning. I also really enjoy the variety of my responsibilities and the people I get to work with.”

What has been your proudest career achievement to date?

“Still, to this day, it’s acquiring my MA in Finance, but I’m sure that will change during my time at Acumen.”

Tell us one thing that people would be surprised to find out about you.

“I’m passionate about food, and I work on a food blog promoting local and sustainable produce.”

What’s the best advice you’ve ever received?

“Everything in moderation, especially moderation.”

Carol joined our Business Support team in November 2024, working previously as a Company Secretarial Paralegal in the private and energy sectors.

What do you like most about working at Acumen Financial Planning?

“The people are warm, welcoming and a joy to work with. After working from home for the last 9 years, it boosted my confidence coming back into this friendly office environment.”

What has been your proudest career achievement to date?

“Achieving a 2:1 BSc (Hons) in STEM (Environmental Management) at the age of 48.”

What do you enjoy doing in your spare time?

“Walking my crazy cocker spaniel Bramble. I also enjoy botanical art and supporting nature charities like Plantlife, and collecting botanical data for the National Plant Monitoring Scheme and the Woodland Trust!”

What is the best piece of advice you’ve ever been given (personally or professionally)?

“There is never a wrong path in life.”

One year after graduating with a degree in Economics and Finance from the University of Aberdeen, Charlotte joined the Westhill office at the beginning of November 2021.

With a keen interest in all things finance, Charlotte began to research the career path to becoming a financial planner. Armed with advice from one of our financial planners, Alana Davidson, she soon applied to join our team.

What do you like most about working at Acumen Financial Planning?

“The people. I am very new to the office, but I can say that the people make the place. Everyone has been so welcoming, and they have all made learning new things a lot easier. They are also so supportive when it comes to the development of your career and achieving your goals.”

What has been your proudest career achievement to date?

“I’m just starting my career, so it is yet to happen.”

Tell us one thing that people would be surprised to find out about you.

“I love to help people. So when lockdown started, I began training to volunteer with the Citizens Advice Bureau. No two phone calls are the same, and knowing that I’ve been able to help in a little way by providing information and support is amazing!”

What’s the best advice you’ve ever received?

“An investment in knowledge pays the best interest.”

Joining the team in May 2024, Chloe provides administrative support to the employee benefits team and our clients.

Before joining us, she studied Maths at the University of Aberdeen, achieving a BSc (Hons) Degree. And when she’s not in the office, Chloe enjoys spending time with friends and family, listening to live music, baking, and yoga.

“Meeting everyone here has definitely been one of the best parts of joining Acumen Employee Benefits. Everyone has been so lovely and welcoming, and the team is really supportive of my training.”

‍

Dedicated to helping individuals, families and business owners make informed financial decisions, Christopher has advised clients on investment planning, retirement planning, estate planning and wealth preservation. He has developed particular expertise working with healthcare professionals, including doctors and dentists, helping them balance the demands of successful careers and businesses with their long-term financial ambitions.

Christopher holds Chartered Financial Planner status and is a Fellow of the Personal Finance Society (FPFS). He is also a Certified Financial Planner™ professional and a Chartered Manager (CMgr MCMI). His qualifications include the Advanced Diploma in Financial Planning (APFS) and the Investment Management Certificate (IMC). He also holds an MBA from the University of Aberdeen, along with further qualifications in strategic management and investment planning.

Outside work, Christopher enjoys spending time with his family and friends, keeping active and making the most of Scotland's outdoors. A Norwich City fan, he follows the team closely, and with a wife who is a dentist and runs her own practice, he admits that work has a habit of following him home too.

What do you like most about working at Acumen Financial Planning?

"The thing I enjoy most about Acumen is the genuine focus on financial planning rather than simply financial products. We have the opportunity to build long-term relationships with clients and make a meaningful difference to their lives and those of their loved ones. I also value the collaborative culture and the shared commitment across the team to delivering advice that is professional, personal and genuinely in our clients' best interests."

What has been your proudest career achievement to date?

"Achieving both Chartered and Certified Financial Planner status is something I am particularly proud of, as it reflects years of study, professional development and dedication to the profession. More importantly, I take real satisfaction from helping clients make life-changing financial decisions with clarity and confidence, whether that's successfully retiring, selling a business or creating financial security for their family."

Tell us one thing that people would be surprised to find out about you.

"My undergraduate degree was in Genetics and Immunology, so a career in financial advice wasn't the typical next step."

What's the best advice you've ever received?

"Focus on what you can control and don't waste energy on what you can't. It's a simple principle, but one that applies equally to investing, financial planning and life in general. The best outcomes often come from making good decisions consistently over time rather than trying to predict the unpredictable."

‍

Chung-Yeung joined the team in Edinburgh in September 2017 having worked in Financial Services in Planner and Paraplanner roles.

A self-confessed ‘Excel geek’, Chung-Yeung enjoys working on financial modelling tools as it gives a clear picture of financial projections based on individual client circumstances.

Chung – Yeung is currently working towards his level 4 Diploma in Regulated Financial Planning with the CII and supports Financial Planner David Gow.

What has been your proudest career achievement to date?

“In the early days, obtaining my Financial Planning Certificate and becoming a qualified financial planner.”

Tell us one thing that people would be surprised to find out about you.

“I’m busy most weekends with church related activities. It gives a pleasant respite from the busy-ness during the working week and often puts things in life into perspective.”

What’s the best advice you’ve ever received?

“Check your logic.”

Claire rejoined Acumen Financial Planning in September 2025, returning to Aberdeen after several years in Bristol. An Economics graduate, she began her career in Edinburgh as a Trainee Investment Specialist before moving into Paraplanning in Aberdeen. Her career progressed in Bristol, where she became a Chartered Financial Planner.

At Acumen, Claire helps clients achieve their goals through holistic planning and cash flow forecasting, with a particular interest in estate planning and supporting clients through sensitive life events. Outside work, she enjoys hiking in the Cairngorms and travelling to connect with different cultures.

What do you like most about working at Acumen Financial Planning?

“Definitely the people. There’s a strong sense of teamwork and support, and everyone is genuinely committed to doing what’s best for our clients. It’s also a place that encourages professional growth, which I really value.”

What has been your proudest career achievement to date?

“Becoming a Chartered Financial Planner is a proud milestone. It reflects years of hard work and dedication. But I’m also proud of the relationships I’ve built with clients along the way and the trust that has been placed in me to guide them through life’s financial decisions.”

What’s the best advice you’ve ever received?

“Don’t just plan for the future – make sure you enjoy the present.” It’s a great reminder both in life and in financial planning. While it’s important to prepare for what’s ahead, it’s equally important to enjoy the present and live well today.”

Colin came on board at Acumen in May 2024, joining our team in Elgin with a background in financial services which spans around 10 years.

As a Paraplanner, Colin ensures the research and recommendations are suitable for our clients, working with financial planners Philip Gauld and Steven Milne.

What do you like most about working at Acumen Financial Planning?

“Our services go above and beyond for our clients.”

What has been your proudest career achievement to date?

“Passing an exam whilst having norovirus!”

What do you enjoy doing in your spare time?

“I like to climb mountains with my dog, Hamish, watch football and undertake DIY projects from household to mechanical.”

What’s the best advice you’ve ever received?

“If you can’t laugh at yourself then you can’t laugh at anyone else.”

Crystal rejoined our Aberdeen office in 2019.

Working for Acumen Financial Planning from 2010-2012, Crystal moved to Australia in 2012, where she opened, owned and managed her own coffee shop.

Learning a lot from her travels and experiences down under, we were delighted to welcome Crystal back to the team when she moved back to Scotland in 2019.

As a business support administrator, Crystal supports the team by monitoring and improving internal processes. She ensures that the database is kept up to date, checks that the information regarding clients’ annual reviews is correct, and assists the team with any client portal issues.

What do you like most about working at Acumen Financial Planning?

“The variety. Not one day is the same as the next. I can work on numerous projects at once and like being able to help people complete tasks and make their job easier.”

What has been your proudest career achievement to date?

“Opening my coffee shop in Australia. By far, it’s the most difficult task I’ve ever been challenged with to date. However, I learned a phenomenal amount, not only about myself but also about people in general.”

Tell us one thing that people would be surprised to find out about you.

“I love watching period dramas on TV. I am a bit of a geek, as in I love lists and numbers. I’m prone to a bit of sudoku and will happily spend the evening doing a jigsaw puzzle!”

What’s the best advice you’ve ever received?

“If you have people working for you, you want to have people that are better than you.”

Daniela joined our Aberdeen office in January 2021 on a part-time basis while still a student at university. After graduating, she began working full time with us in June 2021.

As a student, Daniela worked as a restaurant supervisor at a café/bistro. She knew she wanted to be in a career that involved working with people from working in that role. During the summer of her second year at university, she completed an internship at a small financial planning firm. This cemented her decision to work in financial services after university, allowing her to use her degree while working with others.

What do you like most about working at Acumen Financial Planning?

“Definitely the people! Starting a new job during lockdown was quite daunting, but everyone was super welcoming and friendly. I really like how chatty everyone is, because I’m super chatty too!”

What has been your proudest career achievement to date?

“Probably achieving my first-class degree in Economics from Aberdeen University. The hard work was well worth it and has shown me that hard work does pay off, which I’ll take with me throughout my career. “

What’s the best advice you’ve ever received?

“You can’t live a positive life with a negative mindset.”

Danielle joined the Westhill office in March 2022 as a receptionist/administrator.

​She is responsible for welcoming visitors into the office as well as providing administrative support to the Business Support team and completing facility responsibilities to ensure the office is safe and clean.

Outside of the office, Danielle is a qualified lash and brow technician who loves to make people feel good about themselves, physically and mentally.

What do you like most about working at Acumen Financial Planning?

“The ongoing learning. I learn so much from my colleagues, and I always feel so supported. Everyone is so easy to approach.”

What has been your proudest career achievement to date?

“Going back into a workplace after having my daughter.”

Tell us one thing that people would be surprised to find out about you.

“I went travelling after school! My first stop was Australia – I travelled up The Gold Coast, visiting Whitsunday Island and the Great Barrier Reef. Then, I went onto New Zealand where I skydived, bungee-jumped, white water rafted, and abseiled into Waitomo cave to black water raft!”

What’s the best advice you’ve ever received?

“Life itself is a privilege. But to live life to the fullest, that is a choice.”

David Gow, a Chartered and Certified Financial Planner, joined Acumen Financial Planning in August 2008 as a financial planner in Edinburgh and has developed the team over the years through growth and acquisition.

Appointed as Director in 2014, David provides advice to individuals, including medical professionals and company directors, on how to improve upon achieving their objectives and promoting efficient investment and pension management.

He is passionate about the need to evolve the financial services industry into a profession. In particular, for clients to receive impartial fee-based advice as they become older, wealthier and their affairs become more complex.

A keen runner for many years, David goes by the motto from his running club, “Nihil Sine Labore”. The translation – “nothing without work” – has been a mantra that has never let him down.

What do you like most about working at Acumen Financial Planning?

“I am in an amazing and fortunate position. My passion is financial planning. I love the entire process of assessing a client’s position A, helping them define position B and then creating a plan to go on that journey from A to B. This is followed closely by identifying when clients can, for example, cease work or reassure them that they will not run out of money. I get great satisfaction from seeing our teams develop every time a client says “thank you”, as the team have all contributed towards this.”

What has been your proudest career achievement to date?

“Although I have significant qualifications/expertise and have delivered on many complex client situations, it is quite simple really – it’s every single time a client says “thank you”.”

Tell us one thing that people would be surprised to find out about you.

“Whilst a student, I assisted in fabricating silicon wafers in mobile phones. So if you had a Motorola mobile phone in the 90s, chances are I was involved in making it.”

Joining the Glasgow team in May 2024, David brings 18 years of experience working within financial services.

In his role, David provides financial planning support, which involves preparing reviews, processing any information or tasks for clients and providing overall support for financial planner, Jackie Coyne.

What do you like most about working at Acumen Financial Planning?

“My team in Glasgow who have been a great help since I moved here. The location of Glasgow office is also ideal.”

What has been your proudest career achievement to date?

“Obtaining my Diploma Regulated Financial planning in 2023. Hard work but worth it. Next up is the path to Chartered status….”

Tell us one thing that people might not know about you.

“I play bass guitar. I’m also in a function band which I love and this keeps me busy in my spare time. I enjoy playing 5s, the occasional run and spending time with friends and family.”

What’s the best advice you’ve ever received?

“Always try and not take your work home with you! Not always easy but I do try and achieve a healthy work/life balance.”

Diana has been with the team since July 2012, initially joining the Administration Team before becoming Team Lead in 2014 and later joining the paraplanning team in 2018.

Based in the Aberdeen office, Diana has worked her way up and gained a great deal of experience working with clients and the Acumen Financial Planning team in the process.

Diana holds the Financial Services Products and Solutions (LP2) qualification and is currently working towards gaining her Financial Services, Regulation and Ethics (R01) exam.

Outside her day-to-day role, Diana loves travelling through Scotland, especially the Isles.

Diana supports Financial Planner, Sue Williamson.

What do you like most about working at Acumen Financial Planning?

“Although it sounds like a cliché, the fact that I am part of a team that makes a real difference to clients’ lives is important to me. I believe in the advice we give to our clients and that we make a positive difference in their lives. I also enjoy learning something new almost every day and the fact that this job still challenges me in many ways.”

What has been your proudest career achievement to date?

“Being promoted to admin team lead in 2014 and again being promoted to paraplanner in August 2018.”

Tell us one thing that people would be surprised to find out about you.

“I was an au pair when I came to the UK 17 years ago. But I was looking after two Westies rather than kids!”

What’s the best advice you’ve ever received?

“Do the best you can possibly do in your job and never believe you are irreplaceable.”

Dylan graduated from Glasgow Caledonian University in 2024 with an Honours degree in Finance, Investment and Risk. After university, he joined a smaller financial planning firm before moving to Acumen in March 2025.

He is currently working towards his CII Diploma in Regulated Financial Planning and in his spare time, Dylan enjoys spending time with his partner and daughter, cycling, and playing snooker.

What do you like most about working at Acumen Financial Planning?

“I like the variety of tasks – no two days are the same and you’re always adapting to clients’ needs. I also really like the culture at Acumen. It’s very much ‘client-first’, and everyone pulls together to achieve positive outcomes.”

Tell us one thing that people would be surprised to find out about you.

“I regularly compete in Scottish amateur tour snooker events.”

‍

Emily graduated with a first-class BA (Hons) degree in Business Management. As part of her studies, she completed an HR internship within the oil and gas industry before deciding in her fourth year that she wanted to pursue a career in finance. In her spare time, Emily enjoys going on long walks with friends and family.

What do you like most about working at Acumen Financial Planning?

“The people. Everyone is extremely welcoming and supportive, and that environment makes collaboration and teamwork much more productive and enjoyable.”

‍

Since leaving school, Emma has worked within different financial services sectors. After working within The Royal Bank of Scotland for five years, Emma moved from Edinburgh to Aberdeen to start her career in investments.

Emma joined the team to build upon her financial experience and knowledge in October 2020.

In her spare time, Emma enjoys eating out and spending time with family and friends.

What do you like most about working at Acumen Financial Planning?

“I like the people I work with. I enjoy interacting with our clients on a professional and personal level and getting to know them as people.”

Tell us one thing that people would be surprised to find out about you.

“I’m qualified in open water scuba diving.”

Euan joined our team in Glasgow in September 2025 after spending three years working as a financial planner in Hong Kong.

Euan has been fortunate to live and work in a variety of places – including London, Newcastle, New Zealand, and Hong Kong – where he combined a career in finance with a semi-professional rugby career while completing an Honours degree in Economics. After graduating from university, he spent a couple of years working at Schroders before moving to Hong Kong, where he worked as a financial planner for an independent firm.

In his spare time, Euan enjoys playing rugby and cycling, traveling and spending time with his family and fiancée.

What do you like most about working at Acumen Financial Planning?

“Building long-term relationships with clients, each with their own unique story. Supporting them throughout their financial journey is incredibly rewarding. At Acumen, understanding and caring for people is at the heart of everything we do. I also really value the welcoming culture and the supportive, professional colleagues I’ve had the pleasure of meeting and working alongside.”

What’s the best advice you’ve ever received?

“Hard work beats talent when talent doesn’t work hard!”

Previously employed by the Royal Bank of Scotland (RBS) as a Senior Business Financial Planning Manager, Evan joined our Aberdeen office in December 2012.

A Chartered Financial Planner, Evan sets up clients in their early 40’s with a plan for achieving financial independence when they want to. He also transitions clients from work to life after work, bringing together their assets and structuring them in such a way as to meet their living costs and any other objectives and goals they have set.

In his spare time, Evan enjoys playing golf, reading and spectating and following horse racing.

What do you like most about working at Acumen Financial Planning?

“That there are no egos here. There is a team ethos where help, guidance, and sharing problems are everyday aspects of work. AFP is willing to invest in the development of its staff by supporting them to achieve professional qualifications.

“It is a professional, ethical place to work. Since I have worked here, not one person has asked me, “where is your next piece of business coming from?” There are no targets, simply an expectation that by servicing clients properly, business and income will develop naturally.”

What has been your proudest career achievement to date?

“Achieving Chartered status in 2019. Passing all those exams (first time!) meant many Sundays in the office studying and time away from my family. However, to get the Chartered badge is worth it – I feel more respected and confident in my role.”

Tell us one thing that people would be surprised to find out about you.

“I am a coach for my son Calum’s football team – Formartine United 2013. This gives me some time on a Friday evening with other dads and kids to train and prepare for a match on a Sunday. A great way to wind down after a busy week at work.”

What’s the best advice you’ve ever received?

“Listen more, talk less. My father used to tell me this as a kid, and strangely this advice is beneficial considering the job I do now.”

After studying Accountancy and Finance at the University of Aberdeen, Freya spent a year and a half with another financial planning firm before joining Acumen in 2024. Freya has recently started working towards her professional financial planning qualifications and, outside of the office, enjoys walking and going to the cinema.

What do you like most about working at Acumen Financial Planning?

“Everyone is approachable and friendly.”

Isla joined the Support team in Aberdeen in 2014, before training as a Paraplanner and qualified as a Chartered Financial Planner in 2024.

She has worked in the profession for over 20 years and helps clients plan for current and future life events as well as reporting on these matters. Isla’s financial qualifications include:

Advanced Diploma in Financial Planning
Diploma in Regulated Financial Planning
Diploma in Financial Planning
Award in Pensions Update
Certificate in Financial Services
Certificate in Mortgage Advice
Certificate in Life & Pensions
Isla’s time outside work is usually spent running between her daughters’ activities and spending time with family. When she does have free time, she enjoys drawing and swimming.

What has been your proudest career achievement to date?

“Achieving my Advanced Diploma in Financial Planning and gaining my Chartered status with the CII.”

Tell us one thing that people would be surprised to find out about you.

“After leaving school, I trained as and became a fully qualified hairdresser.”

What’s the best advice you’ve ever received?

“Concentrate on things that you can control and don’t focus on the things you can’t.”

Jackie brings a wealth of experience to the company. Moving into her first financial planning role in 1998, Jackie’s role focuses around delivering high quality services and wealth management to our clients.

Jane joined the team in Aberdeen in November 2017 and has 14 years of experience in the financial services profession.

Joining the financial services industry fresh from school, each one of her roles has been a stepping stone towards where she is today.

Jane enjoys developing long-term relationships with clients, helping them achieve their full financial promise.

Her role at Acumen Financial Planning is to guide clients through the financial planning process. She aims to distance her clients from the widespread jargon and “one size fits all” to provide clear, concise financial information.

Jane believes that painting a clear financial picture ensures that clients are well equipped to make informed decisions on their financial future concerning their savings and investments or pensions and retirement planning.

What do you like most about working at Acumen Financial Planning?

“Developing the relationships with my clients, understanding their needs, and helping them achieve their goals.”

What has been your proudest career achievement to date?

“I don’t have one definitive moment; I am just proud to be part of the Financial Planning profession and to have been given the opportunities I have.”

What’s the best advice you’ve ever received?

“Not to shy away from showing and sharing your personality; it’s what differentiates you from everyone else. “

Janice joined our Aberdeen office in July 2021, taking on the role of Financial Planning Administrator.

Having worked in the Financial Services industry in 1996, Janice brings a wealth of experience to the role.

In her spare time, Janice enjoys spending time with her family and friends. She also loves travelling, yoga and long walks with her dog.

What do you like most about working at Acumen Financial Planning?

“Acumen has an excellent reputation, and I wanted to be part of the team. My two favourite things about my role are my colleagues and assisting in the process of clients achieving their goals.”

Tell us one thing that people would be surprised to find out about you.

“I’m qualified in Indian Head Massage and Body Massage.“

What’s the best advice you’ve ever received?

“Whit’s fur ye’ll no go by ye.”

Based in our Aberdeen office, Janine joined Acumen Financial Planning as a Paraplanner in 2018.

Moving up from England, Janine brings a wealth of financial services experience after working in HSBC, RBS & Aviva. Moving up to Aberdeen with her family, Janine worked for a wealth management company before joining our paraplanning team.

Janine holds a Diploma in Regulated Financial Planning after successfully completing the following units:

R01 – Financial Services, Regulation & Ethics
R02 – Investment Principles and Risk
R03 – Personal Taxation
R04 – Pensions and Retirement Planning
R05 – Financial Protection
R06 – Financial Planning Practice
Janine supports Financial Planner, Jane Cowie.

What do you like most about working at Acumen Financial Planning?

“I am doing what I want to do with great people around me.”

What has been your proudest career achievement to date?

“It’s hard to pick one, but what stands out to me are the times where I have worked on special projects.”

Tell us one thing that people would be surprised to find out about you.

“As a child, I had and used to play the piano, and I have played solos and duets. I wouldn’t be able to read a sheet of music right now if I tried.”

What’s the best advice you’ve ever received?

“Not all money is good money.”

Jonathan joined Acumen Financial Planning as an Associate Financial Planner in January 2026. He began his career in teaching, working in Belfast before later moving to Edinburgh. With a long-standing interest in financial planning, the move to Edinburgh offered the opportunity to explore a new career path. After completing the Diploma in Regulated Financial Planning, Jonathan joined Acumen Financial Planning and is enjoying developing his career within the team.

What do you enjoy doing in your spare time?

“I have a strong interest in Athletics, having competed in the sport for many years. I still run regularly and now coach the University of Edinburgh’s endurance squad.”

What has been your proudest career achievement to date?

“Being offered the opportunity to join the Acumen team and begin my journey in financial planning.”

What’s the best advice you’ve ever received?

“Be consistent! To move mountains, you must start by carrying small stones…”

Starting as an administrator, Jordan has progressed through various professional exams and gained the experience needed to become a Paraplanner. Outside of work, Jordan loves exploring new coffee shops and fitness classes, as well as spending time with friends and family.

What do you like most about working at Acumen Financial Planning?

“The team at Acumen and our overall dedication to our clients.”

What has been your proudest career achievement to date?

“Working my way from support to paraplanning and passing my exams.”

What’s the best advice you’ve ever received?

“Treat people how you would like to be treated.”

Tell us one thing that people would be surprised to find out about you.

“I’m a qualified hairdresser.”

‍

When did you join Acumen Financial Planning?

I joined Acumen Financial Planning in September 2021.

Please provide a brief overview of your career history.

After leaving school, I began my career as a cashier with the Bank of Scotland. Over the course of 13 years, I took on various roles, including Cashier Supervisor, Banking Advisor, Mortgage Reviewer, and ultimately Mortgage Advisor. In 2016, I went on maternity leave and decided a year later to focus on raising my son and furthering my education. After completing my studies, I applied for the role of Compliance Monitoring Assistant at Acumen in 2021. In 2023, I transitioned to the position of Training & Competence Supervisor, and I am now excited to have recently joined the planning team in our Elgin office.

What are your key responsibilities within your role at Acumen Financial Planning?

Having just joined the planning team in Elgin, I am still discovering my key responsibilities, but I am enthusiastic about embracing this new challenge and contributing to the team!

What do you enjoy doing in your spare time?

I enjoy spending time with my son, hiking hills with my Border Terrier, experiencing live music, and traveling to explore new places and cultures.

What is your favourite thing about working at Acumen Financial Planning?

I love everything about working at Acumen Financial Planning, but my favourite aspect is my amazing colleagues and the shared dedication we all have to our clients.

What is the best piece of advice you’ve ever been given (personally or professionally)?

“If you don’t know something, ask. And if someone asks you for help, always take the time to give it.”

Tell us one thing that people would be surprised to find out about you.

I ran the Inverness Marathon in 2024, raising over £1,000 for Spina Bifida Hydrocephalus Scotland.

‍

With a background in both Music and Accounting and Finance, Katrina made the switch to financial services and joined Acumen Financial Planning in September 2023, supporting the planners and paraplanners from within the admin team.

What do you enjoy doing in your spare time?

“Family time, seeing friends, cinema/theatre (when we get a child-free evening!) snowboarding when we can get away or the weather’s right here.”

What is your favourite thing about working at Acumen Financial Planning?

“The culture is warm, friendly and inviting to a newcomer!”

What is the best piece of advice you’ve ever been given (personally or professionally)?

“Knowledge is power.”

What is your proudest career achievement?

“Each professional exam I’ve passed makes me feel pretty proud!”

Joining the Aberdeen team in March 2022, Kayleigh-Jayde previously worked for an IFA based in Peterhead.

With a BA Hons degree in Management with Human Resources, she joined the AFP team to develop her experience and skills as she pursues a career in financial planning.

Outside of the office, Kayleigh-Jayde loves to travel – exploring new places and cultures.

What do you like most about working at Acumen Financial Planning?

“The people and the culture of the company. Also, I love that each day is different, which is great for learning new things.”

What has been your proudest career achievement to date?

“Every step towards my career has been an achievement, and I look forward to seeing what the future holds.”

Tell us one thing that people would be surprised to find out about you.

“Mickey Mouse was once my boss! I worked for the Walt Disney Company for many years, even as a cast member at the Walt Disney World Resort Florida, in the Magic Kingdom.”

I have been in financial services since leaving school, starting my career in the Clydesdale Bank in Macduff. After 10 years in banking in various branches, I joined General Accident in 1995 as a Trainee Financial Adviser to progress my career. After 5 years working as a restricted adviser, I went on to work as an Independent Financial Adviser locally for another firm. In 2004 I was approached by an ex-banking colleague who worked for Acumen Financial Planning at that time, offering me the opportunity to work for AFP in Aberdeen and to cover the Peterhead office. The opportunity at Acumen and the obvious culture within the business made my choice very easy. I have never looked back.

What do you like most about working at Acumen Financial Planning?

I enjoy many aspects of my job but as my role is so varied it is hard to pinpoint one particular area. Working with my clients is extremely important and rewarding to me and interacting with my clients makes my job a great job! For all our planners, no client situation or objectives are the same therefore it is great to be able to help clients on their financial planning journey to achieve everything they want to and live their best lives.

What has been your proudest career achievement to date?

Achieving my Certified Financial Planner qualification in 2007 and AFP being awarded the CISI Accredited Firm of the year for a 3rd time in 2024, are my top 2.

Being the Managing Director of an award-winning financial planning firm brings a deep sense of pride and accomplishment. The pride stems not only from leading a successful and recognised company but also from the impact that the firm and my colleagues have had on the lives of our clients, helping them secure their financial futures and achieve their goals. I am proud to lead the firm building a culture of excellence, leading a team of very well qualified professionals, and making strategic decisions that shape the firm’s future.

What do you do in your spare time?

I am involved with a local charity in my home town of Turriff; Friends of Turriff Community Hospital. The charity raises funds for the hospital to benefit the patients and staff. I really like giving something back to the local community and the hospital plays a vital role in the town and surrounding area.

I took up running in 2022 and now run 5k – 15k weekly. I surprised myself by completing a half marathon. For someone who couldn’t even run at school this was a massive personal achievement for me and as I enjoy the outdoors (being from a farming background) it is nice to combine sport with the love of the outdoors and the countryside. I also like to be in my garden as well as enjoying long walks with my wife Amanda and family.

Tell us one thing that people would be surprised to find out about you.

Nothing too exciting really!

I do enjoy gardening and in the summer time, I love to be outside pottering about. In the past I did win prizes for our garden in the local best kept garden competition.

I also have a passion for cars and had a lot of cars over the years. I would say that I have had well over 30 cars in my lifetime. I dare to count how many!

What’s the best advice you’ve ever received?

Just to always be yourself and don’t try to be someone you are not. Treat others as you want to be treated yourself. My wife and I have brought up our two daughters to be kind, caring, considerate and greet people with a smile. I am a strong believer that its hard for someone not to smile back if you smile first!

Kevin joined the Aberdeen office in August 2008 as a Financial Planner, was appointed as a Director of The Financial Planning Group in 2022 and a Director of Acumen Financial Planning in 2023. Kevin gained his Chartered Financial Planner status in May 2023.

A qualified pension transfer specialist, Kevin specialises in complex pension arrangements and helping couples divide matrimonial assets in the event of divorce.

Kevin sits on the national committee for Consensus Scotland and is also a trainer for new Collaborative professionals.

What do you like most about working at Acumen Financial Planning?

“Building long term relationships with clients and helping them achieve their financial goals while ensuring they never run out of money.”

What has been your proudest career achievement to date?

“Becoming a qualified pension transfer specialist in 2008.”

What’s the best advice you’ve ever received?

“Treat others how you wish to be treated yourself.”

Joining Acumen in January 2023, Kieran works within our Financial Planning Support team. Since February 2024, he has also been part of the Medical and Dental team, providing Financial Planning Support for its clients.
Kieran has passed R05 – Financial Protection and is currently working towards the CII Diploma in Regulated Financial Planning.
A member of the Scotland Supporters Club, Kieran goes to watch all the Scotland home games and hopes to fit in some away games soon. He also enjoys watching league games nationwide and aims to visit every stadium in the top 4 Scottish tiers.

What do you like most about working at Acumen Financial Planning?

“Meeting the team. Everyone has been very welcoming and supportive, and I know the amount of knowledge that everyone in the company has will help me progress in my career.”

What has been your proudest career achievement to date?

“Getting my first job in the world of finance. Not having any real work or educational experience meant that I would have to sell myself to an employer, and I was thrilled to find out I had achieved this.”

Tell us one thing that people would be surprised to find out about you.

“I have an Honours degree in Forensic & Analytical Science from RGU.”

What’s the best advice you’ve ever received?

“Always try and find a positive, even in the worst situations. There is always an opportunity to learn and develop yourself.”

Kimberely joined the Elgin team in January 2022 as a trainee paraplanner.

Having held adviser and management positions in a retail bank before working for a small IFA as an administrator, she went on to join an SJP practice before taking on her role at Acumen Financial Planning.

Kimberley holds a Level 4 Diploma from the SJP Paraplanner Academy and is currently working toward achieving chartered status from the Chartered Insurance Institute (CII).

In her spare time, Kimberley likes to spend time with her friends and family, go out walking, and attend regular gym classes.

What do you like most about working at Acumen Financial Planning?

“Definitely the people! Everyone’s so friendly and helpful – it’s such a lovely team to be part of.”

What has been your proudest career achievement to date?

“Achieving my Diploma!”

What’s the best advice you’ve ever received?

“Do what makes you happy.”

Laura joined Acumen Financial Planning in April 2021 as a Training and Competence Supervisor, was appointed Regional Manager of our team in Glasgow in November 2022 and a Director in 2024. As Director, Laura’s role includes managing clients and supporting the team and future development of the firm and our Financial Planning Group in Glasgow and the surrounding area.

Laura started her career in financial services in 2000 at was then Scottish Equitable, now AEGON. During her 13 years with the company, she held various roles, including working within the Sales Training Division. She spent a further five years with Royal London before holding various contracting positions.

Outside of the office, Laura loves spending time with her family and dogs. She also enjoys Korean Kickboxing, live music, holidays and sleeping!

What do you like most about working at Acumen Financial Planning?

“From the initial chat I had with Acumen Financial Planning, I could tell that they had a welcoming culture within the business. It was also evident that they were a very professional and caring business, putting their clients at the fore. I knew immediately that I wanted to join them. Everyone is very approachable and willing to help each other out. Despite joining during lockdown, I was made to feel part of the team immediately.”

Tell us one thing that people would be surprised to find out about you.

“I failed my driving test twice in one day. Although I don’t think you are allowed to sit your test more than once a day nowadays – it was 1997!”

Lauren has worked in financial services for 15 years, mainly within stockbroking and investment management. She completed the CISI Level 4 Investment Advice Diploma in 2014 and joined Acumen Financial Planning in April 2024. Outside of work, Lauren enjoys spending time with her family, walking in the countryside, cooking and baking, and visiting new countries. She has also volunteered with Marie Curie for 10 years and loves organising fundraising events.

What do you like most about working at Acumen Financial Planning?

“The people. Everyone is supportive and friendly.”

What has been your proudest career achievement to date?

“Passing the Level 4 Investment Advice Diploma while juggling work and a young family.”

What’s the best advice you’ve ever received?

“Don’t fear change – nothing stays the same forever, so embrace it.”

‍

Layo joined the financial services sector in 2020 and has built a strong foundation of technical knowledge and industry experience throughout this time. She holds a degree in Economics with French and has also achieved the Level 4 Diploma in Regulated Financial Planning through the Chartered Insurance Institute (CII).

Outside of work, Layo enjoys watching the latest crime or mystery TV series, trying out new recipes, and helping her husband with gardening on their allotment.

What do you like most about working at Acumen Financial Planning?

“I like how much of a work-life balance there is and I also really value the opportunity to learn and develop. I feel supported to grow my technical knowledge while also understanding the wider picture of financial planning and client relationships.”

What has been your proudest career achievement to date?

“Achieving my Diploma in Regulated Financial Planning.”

Tell us one thing that people would be surprised to find out about you.

“Outside of work, I’m always planning my next trip or exploring new places and cultures, even if it is just learning about them from home.”

What’s the best advice you’ve ever received?

“Never let anyone make you feel bitter, let them make you better.”

Linda started her career in a bank, ultimately becoming a personal banking adviser. She subsequently began working at a stockbroker.

‍
Following the firm's acquisition two years later, Linda moved to a national financial planning and wealth management firm, where she spent 10 years in various roles. During this time, she achieved the DipPFS qualification and later attained APFS Chartered Status while working as a paraplanner.

‍
Linda’s next role took her to a national wealth management firm, where she became a senior paraplanner and part of the original team that established an office in Aberdeen. After working there for five years, Linda joined our team as Paraplanner Manager before progressing to Client Support Manager.

‍
Outside of the office, Linda likes to spend time with family and friends, get out and about with her dogs, and visit new places both within the UK and further afield.

‍

What do you like most about working at Acumen Financial Planning?

‍
“The people and culture we have, as well as the growth and vision for the business.”

‍
What has been your proudest career achievement to date?

‍
“Achieving Chartered status with the CII over a decade ago, as well as moving into my current management role at Acumen.”

‍
Tell us one thing that people would be surprised to find out about you.

‍
“Despite having a fear of heights, I have skydived. The free-falling was amazing, but I am not rushing to do it again! There is something unnatural about being pushed out of a plane at 13,000ft!”

‍
What’s the best advice you’ve ever received?

‍
“If you don’t take the opportunity, someone else will.”

After graduating from university in 2016, Madailein knew that paraplanning was the path for her. She joined Acumen Financial Planning’s Aberdeen office as a Financial Planning Administrator in 2018 and began working as a Paraplanner in 2019.

She has earned various qualifications from the Chartered Insurance Institute, including a Diploma in Regulated Financial Planning (R01-6) and qualifications in the following:

LP2 – Financial Services Products and Solutions

J05 – Pension Income Options

AF5 – Financial Planning Process

J10 – Discretionary Investment Management

Madailein is competitive and enjoys being active. She likes spending her free time in the gym, taking part in a yoga class or enjoying a round of golf.

Madailein supports Financial Planner Jenny Madhoo.

What do you like most about working at Acumen Financial Planning?

“I love being part of a hard-working but positive and friendly team and having a varied workload.”

What has been your proudest career achievement to date?

“I was very proud when I moved from admin to paraplanning as I knew it was what I wanted to do. And earning my diploma in regulated financial planning was incredibly fulfilling.”

Tell us one thing that people would be surprised to find out about you.

“I have an honours degree in History from the University of Aberdeen.”

What’s the best advice you’ve ever received?

“Don’t be busy, be productive.”

Moving back to Scotland after a brief period living in the United States, Melanie joined the team as a junior administrator before working her way up through various roles, sometimes moving between our offices in the process.

In her role as Client Relationship Manager/Regional Facilities Co-ordinator, Melanie leads on nurturing long-term relationships with our clients and ensuring Acumen Financial Planning continues to offer the high level of service clients have come to expect.

What do you like most about working at Acumen Financial Planning?

“The variety of the tasks I carry out. Every day is different.”

What has been your proudest career achievement to date?

“I was going to say passing my FP3; however, I think it is probably being instrumental in the integration of Acumen Financial Planning. It’s the biggest event in my career.”

Tell us one thing that people might not know about you.

“I go to a boxing class 2-3 times a week. It’s brilliant stress relief.”

What’s the best advice you’ve ever received?

“Life is not a rehearsal – enjoy every second as you don’t get a second go.”

Michael joined our Administration team in Aberdeen in 2015, later moving to the Paraplanning team in Edinburgh in 2017.

Michael has previous experience working in financial services from his roles at Bank of Scotland. This has given him valuable customer service experience which he brings to his current role.

He was proud to be part of the highly commended team in the ‘Paraplanning Team of the Year’ category at the 2018 Professional Paraplanner Awards.

Outside of work Michael enjoys film and cinema, regularly attending his local independent cinema.

Michael supports Financial Planner David Gow.

What do you like most about working at Acumen Financial Planning?

“I enjoy problem-solving – discussing issues with the team, collaborating and establishing solutions by working together.”

What has been your proudest career achievement to date?

“Being nominated for Paraplanning Team of the Year.”

Tell us one thing that people would be surprised to find out about you.

“I once took part in World Book Day where you had to write a letter detailing which book you’d like to give to people and why it was your favourite at that time. So I wrote about ‘The Curious Incident of the Dog in the Night-Time’. As a result, I was given over 100 copies of the book to hand out to strangers.”

Michelle graduated from Robert Gordon University with a 2:1 BA (Hons) degree in Management with HR. During her third year, she completed a placement within the finance department of an oil and gas company, which sparked her interest in pursuing a career in finance.
After graduating, Michelle returned home to Lossiemouth and joined local government in a finance administration role. She later progressed to Payments Officer, where her responsibilities ranged from VAT returns and employee expenses to procurement and contract register management, before moving into a Procurement Officer role.
Keen to return to finance, Michelle began working towards her CII Diploma in Regulated Financial Planning in 2025. She has since passed the R01 (Financial Services, Regulation and Ethics) and R05 (Financial Protection) exams and is currently working towards R02 (Investment Principles and Risk).

Away from the Elgin office, Michelle loves spending time with her family and going for nice walks with her Cockapoo, Seve.

What do you like most about working at Acumen Financial Planning?

“Everyone is very friendly and supportive. I love how career progression is encouraged through sitting exams, and how colleagues celebrate everyone’s success.”

What has been your proudest career achievement to date?

“Managing to pass two R0 exams independently while not yet working within the financial planning industry.”

What’s the best advice you’ve ever received?

“Don’t be afraid to ask too many questions.”

Bringing nine years of experience working as a practice accountant, Moira joined the team in February 2021.

As a Chartered Accountant, Moira has worked with a diverse range of individuals and organisations during her career and always aims to build trusting relationships with her clients.

“My favourite thing about Acumen Financial Planning is that we work as a team. I also get a lot of satisfaction from completing a task.”

After initially pursuing an academic career as a Molecular Geneticist and completing his PhD, Neil decided on a change of direction and moved into financial services.

Since then, he has gained extensive experience across the profession, working with businesses ranging from boutique financial advisers to national organisations, as well as within legal and accountancy practices. This varied background has given Neil experience of a wide range of client circumstances, always with a focus on helping people achieve their goals.

Neil has previously achieved Chartered Financial Planner status and, following a period working in FinTech software development away from direct client work, is now working towards regaining the designation.

Outside of work, Neil enjoys relaxing and spending quality time with his family.

What do you like most about working at Acumen Financial Planning?

“The wonderful colleagues and our amazing clients. They are all a pleasure to work with, and the clients are as much part of the Acumen family as the staff.”

What has been your proudest career achievement to date?

“I am always grateful that our clients have achieved amazing things in their lives and careers and still look to us for help and guidance. This is truly humbling.”

What’s the best advice you’ve ever received?

“Eat a frog for breakfast! In other words, if you have an onerous task, do it early in the day. Everything else will be easier once it’s done.”

‍

Nicola joined the team in September 2019, bringing extensive experience in the financial services industry.

With the duty of looking after all administrative aspects of Acumen Employee Benefits, Nicola helps ensure that the team delivers the most effective service.

Beyond work, Nicola loves to keep fit by heading to the gym or walking.

“Every day is different, and doing the best I can is very important. I’ve built up some great working relationships here, and I look forward to developing those.”

Based in Aberdeen, Nicola joined our team in January 2018.

Having been with her previous employer for more than 15 years, Nicola brought extensive experience in administration, office management, recruitment and HR.

From initially meeting candidates to onboarding to ongoing professional development, Nicola ensures that our team is supported and encouraged to fulfil their career potential so they can offer the best possible service to our clients.

What do you like most about working at Acumen Financial Planning?

“The people I work with are fantastic. Everyone in the business is friendly, approachable and committed to what they do. And I love seeing colleagues develop and flourish in their roles, through experience, ongoing support from a fantastic team, and where relevant, enjoying exam success to help them further develop.”

What has been your proudest career achievement to date?

“It was a huge step moving to Acumen Financial Planning from being with a company for so long, but I was proud that I adapted relatively quickly. The supportive team that we have here certainly made that easier.”

What’s the best advice you’ve ever received?

“Enjoy and live your life to the fullest in and out of work every single day and keep smiling.”

Based in Edinburgh, Nida joined our team in October 2023. Nida has a career in financial and customer services which spans around 25 years, working with companies such as Standard Life, Barclays and Scottish Water, before working in a small, family-run financial advice firm until August 2023.

What is your favourite thing about working at Acumen Financial Planning?

“The people! Everyone has made an effort to introduce themselves and welcome me to Acumen. I am finding the environment very supportive and encouraging. There is a strong team bond and everyone is happy and available to help.”

What do you enjoy doing in your spare time?

“I like going to the gym along with long walks with my family. I am an avid cinema and theatre goer followed by a nice meal!”

What is the best piece of advice you’ve ever been given?

“No matter what happens in life be good to people. Being good to people is a wonderful legacy to leave behind.”

Joining the team in November 2022 as a Training & Competence Supervisor and later being promoted to Compliance Manager in November 2023, Pauline brings three decades of experience in financial services to our team.

Please provide a brief overview of your career history.

“I graduated with a degree in Risk Management in 1993 and I have been working in Financial Service for 30 years.

I worked in Santander for 15 years in various regulated roles such as Regional Manager covering the Financial Planners, and then Barclays Bank, again in various roles such as Head of Training and Competence, Advice Quality, and latterly Senior Risk Manager.”

What are your key responsibilities within your role at Acumen Financial Planning?

“I am responsible for the completion of regulatory requirements for TFPG such as FCA returns, FCA applications, risk assessments, professional indemnity insurance renewals, completion of the compliance monitoring plan and oversight of responsibilities of other key functions like the training and competence function. The role is varied and every day is different.”

What do you enjoy doing in your spare time?

“I love to travel and enjoy visiting new places, so family road trips are my favorite weekend pastime. I am also a terrible cook but I love to try, so it’s a hit and miss in my kitchen.”

What is your favourite thing about working at Acumen Financial Planning?

“The people – this was the main reason I joined the company. I love what Sandy has built and I feel lucky to have great people around me as colleagues.”

What is the best piece of advice you’ve ever been given (personally or professionally)?

“Be soft and gentle with your words…as you may well end up eating them one day (from my Mum).”

What is your proudest career achievement?

“Supporting a team of 9 to pass the PCIAM exam at the first attempt.”

Pauline began her career in financial services after moving to Edinburgh in 2012. For the next four years, she progressed through various roles, strengthening her expertise in pensions, savings, and investments.

Joining Acumen in September 2016 as part of the admin team, now known as Financial Planning Support, Pauline’s decade of experience has since led to her taking on the role of Financial Planning Support Coach.

Outside of work, Pauline enjoys spending time with family and friends, mainly running around after her two children.

What do you like most about working at Acumen Financial Planning?

“I have been at Acumen Financial Planning since 2016, when the team was smaller. We have grown massively since then, moved offices, and achieved so much as a company. My favourite things about working here are the people and the dedication to help our clients achieve their life goals.”

What has been your proudest career achievement to date?

“I think moving to Edinburgh and starting a career in a new city and industry is definitely up there as one of my proudest achievements. However, through my time with Acumen, I would also say becoming Team Lead and then the Financial Planning Support Coach is also up there.”

Tell us one thing that people would be surprised to find out about you.

“I have an Honours degree in Corporate Communications from RGU.”

Paul joined our team in 2022. Having worked in financial services since 2001, Paul embraced the opportunity to bring his expertise from working in a national wealth management company to our firm. Paul enjoys working with like-minded colleagues and having the tools to enable him to focus on providing clients with a clear view of their financial future.

Peter Hope joined the Acumen Financial Planning team in January 2023. Initially joining Bank of Scotland as a trainee in 1992, he has over 30 years of experience in banking and financial services.

Peter has developed his skills and experience over the years, focusing mainly on private clients and high-net-worth individuals across Aberdeen, the North East & Shetland. Most recently, and before joining Acumen Financial Planning, Peter specialised in providing financial planning advice with two national advisory companies.

In his spare time, Peter and his wife enjoy spending time with their two Chocolate Labradors, who, in his own words, take up much of their free time and income, leaving little time for anything else!

What do you like most about working at Acumen Financial Planning?

“No two days are the same as every client has such a varied & interesting background. Being able to help them protect, maintain and grow their wealth is a privilege that I enjoy.”

What has been your proudest career achievement to date?

“I’m always proud of myself when passing professional exams, but it’s far more satisfying to apply the skills learned directly with clients and receive thanks from them for making a difference in their lives.”

What’s the best advice you’ve ever received?

“Measure twice, cut once. My father was a skilled joiner, and whilst I don’t have a single ounce of his talents, taking your time to calmly analyse a situation to get the right outcome first time is just as relevant in financial planning.”

Philip Gauld joined Acumen Financial Planning in March 2014 after 15 years of experience in a similar role to manage the Team in our Elgin office.

Starting his career as a Chartered accountant, Philip changed course to pursue financial planning in 1999 and hasn’t looked back since. Philip looks after high net-worth clients from all backgrounds, with a particular interest in retirement and inheritance tax planning.

Outside of work, Philip enjoys playing golf and coaching football.

What do you like most about working at Acumen Financial Planning?

“I enjoy helping people achieve financial ‘peace of mind’. It’s a phrase often used by clients who have benefited from the planning process that we work through together. It enables clients to relax and enjoy their chosen lifestyle, with the knowledge that they have professional support working with them along the road of our life’s journeys.”

Tell us one thing that people would be surprised to find out about you.

“I coach football, a role I took up to support my son when he started playing football. I enjoy the coaching – it’s taught me a lot about people, both young and old, and the challenges of building good teams.”

Joining our Aberdeen office in March 2020, Rhiain began her time at Acumen Financial Planning as a Marketing and Communications student on placement as part of her International Marketing Management MSc.

Eight short months later, and on completing her Masters, Rhiain began her full-time role as Marketing Executive.

In her spare time, Rhiain relaxes by spending time with her Australian Labradoodle, Jura, and loves being outdoors.

What do you like most about working at Acumen Financial Planning?

“No two days are the same; it keeps me on my toes. Also, the team is incredibly supportive.”

What has been your proudest career achievement to date?

“Being offered my permanent Marketing Executive role here.”

Tell us one thing that people would be surprised to find out about you.

“I worked in America a few years ago at a recreational camp for people with learning difficulties and disabilities.”

What’s the best advice you’ve ever received?

“What’s for you won’t go by you.”

Further to attending the University of Aberdeen, Rhian fell in love with the Granite City and joined Acumen Financial Planning in Aberdeen in January 2006.

Joining the support team, she trained as a Paraplanner, then became a Financial Planner in 2011, a Director of The Financial Planning Group in March 2022, and then a Director of Acumen Financial Planning in 2023. Rhian also gained her Certified Financial Planner status in 2023.

Working in all areas of Financial Planning, Rhian specialises in our Family Wealth services, Estate Planning, Succession Planning, Intergenerational Planning, Tax Planning, Trust Taxation and Investment Planning.

As a mum of two young children, Rhian’s time outside of work revolves around family time and her children’s activities rather than her own. However, when time allows, she enjoys cooking and playing the piano.

What attracted you to Acumen Financial Planning?

“Acumen Financial Planning had and still has a great reputation and ethos, and that attracted me to the role here and is why I am still here all these years later!”

What is your favourite thing about working at Acumen Financial Planning?

“I enjoy helping clients to achieve their financial goals and live life in the knowledge that they are on the right path financially. While there may be obstacles along the way, they have a plan in place that we can alter to support them through every turn and decision throughout their lives.”

What drives you in your career as a financial planner?

“I am passionate about using financial modelling to present to clients the potential within their wealth and the ability to achieve their goals. Whether that be retiring early or supporting the next generation throughout their lifetime and beyond. I work with a diverse set of clients and circumstances and continue to be inspired by their stories and plans.”

What has been your proudest career achievement to date?

“Providing reassurance to clients in times of uncertainty, as was the case when some clients faced redundancy with the oil and gas market downturn a few years ago. I also feel proud to have contributed to a multi-award-winning team.”

Rizwan’s career with Acumen Financial Planning began while he was still at university, when he joined the Edinburgh office for a six-month student placement. Following a successful time with the company, he continued working with the team on a part-time basis alongside his studies, before moving into a full-time paraplanning role after graduating.

In 2025, Rizwan graduated from Edinburgh Napier University with a First-Class degree in Financial Services, where his academic performance also earned him the John Troy Memorial Prize. He is now working towards the CII Level 4 Diploma in Regulated Financial Planning, and has already completed Financial Services, Regulation and Ethics (R01), Personal Taxation (R03), Pensions and Retirement Planning (R04) and Financial Protection (R05) in pursuit of this.

Away from work, Rizwan enjoys going to the gym and is a keen petrolhead, so can often be found doing something car-related in his spare time.

What do you like most about working at Acumen Financial Planning?

“I really like the supportive environment within the company. Everyone is friendly and helpful, and you are made to feel part of the team right from day one.”

What has been your proudest career achievement to date?

“My proudest career achievement so far would be securing a full-time role at Acumen following my six-month university placement.”

Tell us one thing that people would be surprised to find out about you.

“One thing people are often surprised to find out about me is that I have a twin brother.”

What’s the best advice you’ve ever received?

“Never stop learning and never think you know it all. In our line of work, there is always more to learn, whether that’s from colleagues, clients or new experiences.”

‍

I have always felt that the very essence of Financial Planning is carefully guiding our clients from A to B with complete financial safety. Over the years, we have built a successful business guiding our clients from A to B. This could be transitioning from a career to a life beyond work or, perhaps downsizing in order to raise capital to assist children get on the property ladder. There are an infinite number of A’s and B’s and that alone ensure no two planning days are ever the same. With sophisticated financial modelling and good old fashioned interpretation, we enable our clients to see for themselves the financial direction their plans may take and look at ways of doing that safely.

We are very fortunate to be privately owned and completely independent of investment houses and financial institutions. So having no masters, we have the luxury of being totally impartial. We can therefore afford to put our clients’ interests first, implementing that philosophy through a professional relationship that lasts for many years.

When did you join Acumen Financial Planning?

August 2023 (Maternity Cover)

Please provide a brief overview of your career history.

I have worked in the Oil & Gas Industry for over 20 years as a PA/Secretary. After taking a mini career break I decided to get back into the office environment.

What are your key responsibilities within your role at Acumen Financial Planning?

I am responsible for welcoming visitors into the office and providing administrative support to the Business Support Team.

What do you enjoy doing in your spare time?

My daughter and cocker spaniel keep me busy, any other spare time is spent catching up with friends and family.

What is your favourite thing about working at Acumen Financial Planning?

The people as everyone is friendly & supportive and the job as every day is different.

What is the best piece of advice you’ve ever been given (personally or professionally)?

You are never too old to set another goal or to dream a new dream.

What is your proudest career achievement?

Gaining a BA Degree in Art & Design.

Having previously worked in banks and financial services, Sharon brings vast experience to her paraplanning role.

After a career break when her children were younger, she joined the Acumen Financial Planning Aberdeen office in September 2016 and holds qualifications from the Chartered Insurance Institute, including a G60 in Pensions.

Sharon provides paraplanning support to Rhian Morgan.

What do you like most about working at Acumen Financial Planning?

“The attention to detail which is required.”

What has been your proudest career achievement to date?

“Passing my G60 exam.”

Tell us one thing that people might not know about you.

“I have an honours degree in Russian and Politics.”

What’s the best advice you’ve ever received?

“You are far more likely to regret not doing something than doing it.”

Joining the Acumen team in February 2026, Sophie is continuing to build her career in financial planning from our Glasgow office.

Sophie studied at Glasgow Caledonian University, graduating in July 2023 with a First-Class BA (Hons) in Finance, Investment and Risk. Following this, she joined Evelyn Partners in Edinburgh as a Client Administrator, supporting financial advisers and gaining valuable industry experience.

Sophie has achieved several qualifications towards the CII Diploma in Regulated Financial Planning, including Financial Services, Regulation and Ethics (R01), Personal Taxation (R03), Pensions and Retirement Planning (R04) and Financial Protection (R05).

Outside of work, Sophie enjoys spending time with her family and fiancé, travelling, and going to the gym.

What do you like most about working at Acumen Financial Planning?

“That the client is constantly at the forefront of everything and Acumen truly care about their clients. Also, the people I work with and how welcoming they have been.”

What has been your proudest career achievement to date?

“I would say any time I pass an exam towards my diploma. It is hard work juggling studying, working, and having a personal life at the same time, but it is all worth it in the end. I would also say getting the Trainee Paraplanner role at Acumen, as paraplanning is something I have wanted to do since leaving university.”

What’s the best advice you’ve ever received?

“Don’t compare yourself to anyone else as we are all on different paths in life and in our careers.”

Stephen joined the Aberdeen office as a Paraplanner in September 2016.

He was part of the paraplanning team nominated at the 2017 Professional Paraplanner Awards in London in 2017, where Acumen Financial Planning was highly commended.

Stephen currently holds the Financial Services Products and Solutions (LP2) and Financial Services, Regulation and Ethics (R01) exam qualifications, and is currently studying for the Financial Protection (R05) exam.

A ‘proud Ayrshire boy’, Stephen is a lifelong Kilmarnock and Scotland fan. Having studied music at college and university, Stephen also enjoys playing the guitar and attending as many gigs and festivals as possible.

Stephen provides support to Angus Mackenzie.

What do you like most about working at Acumen Financial Planning?

“Acumen Financial Planning is such a forward-thinking, progressive company. I was aware of this before joining, and the company certainly lives up to its hard-earned reputation. The thing I like most about working here is that it’s constantly challenging in varying ways.”

What has been your proudest career achievement to date?

“Being part of the team that was highly commended at the Professional Paraplanner Awards in 2017. What a night!”

Tell us one thing that people would be surprised to find out about you.

“I wrote for a music blog and student newspaper interviewing bands and writing about music.”

Steven joined our Elgin office in March 2014, bringing over 20 years of experience in financial services.

Starting his career in banking, he moved into financial planning in 1999. Initially working for large national insurance companies, Steven became an Independent Financial Adviser in 2003.

Steven specialises in retirement planning, investment planning, estate and tax planning.

Outside of work, he enjoys a spot of golf, spending time with his family and going on long walks with their dog, Phoebe.

What do you like most about working at Acumen Financial Planning?

“Acumen Financial Planning stood out as a company that’s main focus was on their clients and the best outcomes for them, which made the decision to join them very easy indeed. I enjoy helping clients with their retirement planning, particularly when we can tell them they have reached the point where they can retire anytime if they want to.”

What’s the best advice you’ve ever received?

“Treat others as you would want to be treated yourself.”

Originally from Dunfermline, Stewart’s route into financial services is more unusual. Studying Applied Chemistry at Fife College and then Forensic Sciences at Abertay University, Stewart spent over 12 years working in the optical industry.

In 2023, Stewart made the move into financial services and joined us on the Financial Planning Support team. Alongside his previous qualifications, he has also achieved the CII LP2 qualification in financial services products and solutions.

In his spare time, Stewart loves a game of five-a-side football, spending time with his family, and relaxing in front of a good TV series.

What do you like most about working at Acumen Financial Planning?

“The people. They make the place what it is. I wouldn’t get out of bed so easily for ‘financial planning’, but for the people, it is easy.”

What has been your proudest career achievement to date?

“Getting my foot in the door at Acumen Financial Planning. Having never worked in the industry before, getting this role felt like the pivot my life needed.”

Tell us one thing that people would be surprised to find out about you.

“While studying Forensic Science at university, I enjoyed the crime scene element most. If anyone needs fingerprints taken, just let me know.”

What’s the best advice you’ve ever received?

“Be nice to people.”

Starting her career in Financial Services in 1993, Sue became an independent financial adviser in 1998.

Sue became a Chartered Financial Planner in 2012 and joined our Aberdeen office in August 2015.

She is a Fellow of the Personal Finance Society and strives to help clients achieve their objectives, such as making the transition from working to retirement.

What do you like most about working at Acumen Financial Planning?

“Meeting clients. I like to think that the financial planning experience should be a pleasant one and that clients are better informed because of it.”

What has been your proudest career achievement to date?

“Achieving Chartered and Fellowship status of the Personal Finance Society (PFS) and Chartered Insurance Institute (CII). And joining Acumen Financial Planning.”

What’s the best advice you’ve ever received?

“Whilst working as a secretary/PA, I was told that I should consider a career in sales!”

With more than two decades of industry experience, Tracy has spent the last 13 years of her career with us. Alongside her Financial Planning Support (FPS) responsibilities, Tracy also took on the role of Training Coach in 2024.

Tracy is very family-orientated and enjoys spending time with her boys when she’s not working. She also loves catching up with friends and having a trip away planned to look forward to.

What do you like most about working at Acumen Financial Planning?

“The people make Acumen the place it is. There is always something new to learn and no two days are the same.”

What has been your proudest career achievement to date?

“Becoming Team Lead of the FPS team in 2016 until I went off on maternity leave in 2019, followed by being given the role of FPS Coach in 2024.”

Tell us one thing that people would be surprised to find out about you.

“I share a birthday with my oldest son.”

Joining our Edinburgh office in January 2022, Trudi was excited to return to a smaller, more client-focused business with high levels of client service.

Trudi worked in her father’s financial planning firm for 20 years, helping him build the business, which was sold to a national firm in July 2019. Following the sale, she worked with a new firm for over two years before joining Acumen Financial Planning.

Outside of the office, Trudi loves getting a dance music playlist queued up before heading out for a walk, pilates and watching her son play football.

What do you like most about working at Acumen Financial Planning?

“I like that everyone within the company is enthusiastic and happy. Everyone strives to be their best and work together. I enjoy learning and adapting and ultimately helping the planner to provide the best service to the client.”

What has been your proudest career achievement to date?

“I don’t have one specific moment. However, being part of building my father’s higher successful, client-focused financial planning business from a spare room in our family home makes me proud.”

Tell us one thing that people would be surprised to find out about you.

“I was the Fife Under 14’s Badminton Champion many moons ago!”

What’s the best advice you’ve ever received?

“Always treat others the way you want to be treated.”

Valeriia works with our Financial Planning Support team in Aberdeen, joining in June 2024.

After studying Marketing at a University in Ukraine, then later a undertaking postgraduate degree in International Business Management, Valeriia’s career took a shift into financial planning in 2023.

What do you enjoy most about working at Acumen Financial Planning?

“The people, and how talented, warm and welcoming everyone is.”

What is your proudest career achievement to date?

“Starting to work in a completely new industry, in a new country, and in a different language!”

What do you enjoy doing in your spare time?

“Learning Spanish and Italian (can’t choose one over the other!), playing the piano and exploring Scotland.”

What is the best piece of advice you’ve ever been given?

“Never give up.”

Wendy joined our Westhill office as a Paraplanner in August 2019, following a student placement in her third year at Edinburgh Napier University.

Five years later, in August 2024, Wendy relocated to our office in Edinburgh where she transitioned into a new role as an Associate Financial Planner.

Wendy holds the Diploma in Regulated Financial Planning, and is working towards obtaining Chartered status.

What do you like best about you job?

“Undoubtedly, the most enjoyable and rewarding part of my job is working with clients. It goes without saying that money plays such an important part in all of our lives, and uncertainty surrounding your financial position can be really anxiety-inducing. Working with our clients, sharing our knowledge and experience to allow clients to better understand their financial future and take some weight off their shoulders is incredibly fulfilling.”

What’s the best advice you’ve ever received?

“Fail to prepare, prepare to fail!”