I have been advising clients for over 25 years and now specialise in the more complex areas of investment planning and Inheritance tax mitigation. When I'm not running around after my large family I enjoy rugby and the mountains of Europe.

For over 25 years now I have been advising clients in all aspects of financial planning, including investments, insurance, loans and mortgages along with more specialist areas of investment and tax planning too. I often work from home in the Borders and am diverted by a wide array of livestock on our small farm.

I am an award winning financial consultant with over 13 years’ experience. I advise on all areas of financial planning including wealth management, tax-efficient investing, inheritance tax mitigation, protection and mortgages. Based in Dunfermline, I have 2 young children who ensure that I hit my weekly quotas of exercise, activity and laughter.

I have been working in Financial Services for over 20 years and advise on all aspects of Financial Planning. I have two young children and a husband who fill my life with love and laughter. I like to expend the stresses of life by running and I'm aiming to get back to half marathon distance.

I have been advising clients for nearly 40 years. I'm married to Hilary and we have a son, Harry, and a daughter, Lucy. I keep fit by walking and am in the process of walking across the US (virtually, on a treadmill) and the Scotland 500 (mileage recorded while walking our dog). My other interests are reading, films and golf.

As the newest member of Murray John and Associates I shall be focusing on building our mortgage practice and specialising in tailored personal protection. I enjoy singing and playing rugby in my spare time whilst ensuring that there is enough time to go and explore the Islands of Scotland