Meet Team Affluent
Carl Melvin – Managing Director & Financial Planner
Carl is a multi award winning financial planner, and is one of an elite group of financial advisers to hold both the Certified Financial Planner licence and the Chartered Financial Planner designation. He is a Chartered Wealth Manager and a Certified European Financial Planner.
He holds a first class honours degree in Financial Planning and a Masters degree with merit in Financial Planning.
His primary role is to provide clients with advice and personal service on financial planning issues. He has over 30 years professional experience as a financial planner.
Jill Carrick - Adviser Support Administrator / Administration Team Lead
Jill joined us in the Spring of 2022 from Cigna Healthcare, a health insurance company for whom she worked for seven years in the role of Administration Assistant. Prior to this, she undertook financial planning exams whilst working with Scottish Widows. She also holds qualifications in Travel and Tourism from James Watt College and Glasgow Caledonian University.
Jill will keep you informed on the progress of any business which we may transact on your behalf and, as Administration Team Lead, she is currently looking to improve processes within the business.
email: advisersupport@affluentfp.co.uk
Anne Cain - Client Relationship Manager
Anne has a background in the personal care, recruitment and customer services sectors, most recently in the private medical insurance sector with Cigna Healthcare.
She has qualifications in Business and Finance from Pembrokeshire College and the University of Plymouth.
Anne is on our reception desk and the friendly face to welcome you. She is the person to contact should you have any queries and she will be the one to contact you to arrange your annual forward planning meetings.
Anne also provides support to our administration team, as as well as being Carl's Personal Assistant (PA).
email: crm@affluentfp.co.uk
Gordon Bruce - Trainee Paraplanner
Gordon has a background in the hospitality sector and construction. He holds a first class Master of Arts degree in Business Management from Herriot Watt University.
Gordon works in the adviser support team under direction from our Practice Manager, Kitty Stirling. He will provide Carl with technical support and fund analysis, as well as preparing suitability reports for clients.
Darren Watson - Chartered Financial Planner & Pension Transfer Specialist
Darren joined us in 2024, and is a seasoned Chartered Financial Planner and Pension Transfer Specialist with over 20 years of experience of advising clients.
As a Fellow of the Personal Finance Society, Darren specialises in guiding professionals, business owners, and retirees towards financial freedom. Darren's approach focuses on aligning financial strategies with clients' lifestyle goals, ensuring peace of mind and staying on the right path.
Committed to professional growth, he aims to obtain the prestigious Certified Financial Planner license.
Beyond finance, Darren enjoys playing the guitar and mastering culinary delights in his spare time.
Michelle Caffrey - Adviser Support Administrator
Michelle, who joined us in Spring 2024, brings valuable expertise in account management from the distribution sector, complemented by her qualifications in human resource management. Collaborating closely with Jill, she plays a pivotal role in ensuring an exceptional client experience. Beyond her professional commitments, Michelle indulges her passion for adventure by taking on walking challenges, accompanied by her faithful companion, Millie.
How we get paid
We are a fee based financial planning practice, and this means that clients pay fees for our services.
Your initial meeting with us is at our expense and you are under no obligation to use our services. The purpose of the initial meeting is to discuss your requirements, to outline how we can help you and for you to decide whether we are the right adviser for you. If we decide to work together, we will agree the advice and services you require and outline our fees. We operate a fixed fee agreement so that you know the cost of our services before we undertake work on your behalf.
Where you decide to engage our services, you will be required to pay an initial engagement/planning fee as outlined in our Client Agreements. Should you instruct us to arrange investments or insurance plans on your behalf, implementation fees will be payable. You may elect to pay us by commission rather than personal fee payment for the implementation of non investment insurance plans. A fee will be payable for the provision of ongoing services.
Full details can be found in our Client Agreements which can be found at www.affluentfp.co.uk/resources.