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.
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.
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.
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
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.
email: advisersupport@affluentfp.co.uk
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.
Gillian MacDougall - Support Administrator
Gillian joined our team at the beginning of 2025 to support our administrative functions. With a strong background in bookkeeping, specializing in farm management, and a degree in Business Management, she brings a wealth of expertise in accounts administration and office management. Her keen eye for detail makes her an invaluable asset to our team. Outside of work, she enjoys spending time with her two young children, who keep her busy and entertained.
Fiona Magoni - Practice Manager
Fiona joins us after more than a decade in New Zealand, where she held management roles in leading corporate law firms. As a seasoned operational leader, she has extensive experience overseeing daily operations, providing strategic direction, and driving innovation. With a keen eye for efficiency and a creative approach to problem-solving, Fiona is a commercially focused and empathetic leader, dedicated to fostering a thriving workplace culture that empowers both the business and its people.
Outside of work, she enjoys spending time with her children and exploring the stunning countryside of Scotland’s west coast.