BRIGHTER People – BRIGHTER Solutions
Financial Planning Team
Business Development, Planning and Compliance
Ross is the Managing Director and one of the business owners.
Ross is accountable for the governance of the business with regards to ensuring that regulatory compliant practices are delivered across the practice to a consistently high standard, to meet the needs and expectations of our clients. Ross also ensures that the training and development of our advisers continually supports the demands of service provision.
Statement of Professional Standing
- Advanced Diploma in Financial Planning
- Diploma in Financial Planning
- Financial Planning Certificate
- Certificate in Mortgage Advice
- Certificate in Life and Pensions
Financial Qualifications
- AF2 – Business Financial Planning
- AF3 – Pension Planning (inc.Occupational)
- AF4 – Investment Planning
- AF5 – Financial Planning Process
- JO4 – Pension Funding Options
- JO5 – Pension income qualification
- MAQ – Mortgage Advice Qualification
- RO2 – Investment Principles and Risk.
John is one of the most experienced IFAs in the business and one of the business owners.
John’s clients are from the local area and most of them have been with him, as their financial adviser, for over 25 years. John supports Ross in the development of the infrastructure that sits behind business operations.
Statement of Professional Standing
- Diploma in Financial Planning
- Financial Planning Certificate, 1, 2, 3
- Certificate in Mortgage Advice
- Certificate in Life and Pensions
- Award in Long Term Care Insurance
- Advanced Mortgage Professional with Equity Release
Financial Qualifications
- JO8 – Financial Planning practice
- MAQ – Mortgage Advice Qualification
- R01- Regulation, Legislation and Code of Ethics
- RO4 – Pensions and Retirement Planning
- CF1- Regulation and Ethics
- CF3 – Financial Protection
- CF4 – Retirement Planning
- CF5 – Integrated Financial Planning
- CF8 – Long Term Care Insurance
Bradley came to us in 2017 as an IFA but worked to become Chartered in 2020.
Bradley’s technical skills and competent understanding of investment process and application have resulted in him taking the lead in developing our Central Investment Proposition and our Central Retirement Proposition. He is responsible for supporting the development and training of existing advisers to ensure consistency in the application of investment principles across the practice.
Statement of Professional Standing
- Advanced Diploma in Financial Planning
- Diploma in Financial Planning
- Certificate in Mortgage Advice
- Diploma in Regulated Financial Planning
- Certificate in Financial Administration and Planning
- Certificate in Retail Banking Conduct of Business
Financial Qualifications
- AF1 – Personal Tax and and Trust Planning
- AF3 – Pension Planning
- AF4 – Investment Planning
- AF5 – Financial Planning Process
- R01 – Financial services, regulations and ethics
- R02 – Investment principles and risk
- R03 – Personal taxation
- R04 – Pensions and retirement planning
- R05 – Financial Protection
- R06 – Financial Planning Practice
- R08 – Pensions Update
- CF6 – Mortgage advice
- J10 – Discretionary Investment Management
- CeFAP Units 1,2,3&4
Richard joined us in 2019 after running his own successful IFA practice for 17 years.
Richard wants to eventually retire, but that will be in the distant future as there is still too much for him to do at Brighter.
Statement of Professional Standing
- Fellow of the Personal Finance Society
- Advanced Diploma in Financial Planning
- Diploma in Financial Planning
- Financial Planning Certificate
- Certificate in Discretionary Investment Management
- Certificate in Mortgage Advice
- Certificate in Life and Pensions
- Award in Long Term Care Insurance
Financial Qualifications
- AF2 – Business Financial Planning
- G10 – Taxation & Trusts
- G60 – Pensions
- K10 – Retirement Options
- K20 – Pension Investment Options
- JO3 – The tax and legal aspects of business
- J10 – Discretionary Investment Management
- R01 – Financial Services, regulation and ethics
- CF1 – Regulation and Ethics
- CF2 – Investment and Risk
- CF3 – Financial Protection
- CF4 – Retirement Planning
- CF5 – Integrated Financial Planning
- CF6 – Mortgage Advice
- CF8 – Long Term Care Insurance
Jonathan came to us in 2016 as a Mortgage Adviser/Trainee IFA.
Jonathan grew the mortgage and insurance side of the business for Brighter and now is beginning to support his own clients as an Independent Financial Adviser.
Jonathan manages the mortgage and insurance team, as-well as supporting the operational development and management of the business on a day- to day basis.
Statement of Professional Standing
- Diploma in Regulated Financial Planning
- Institute of Financial Services (IFS)
Financial Qualifications
- R01 – Financial services, regulations and ethics
- R02 – Investment principles and risk
- R03 – Personal taxation
- R04 – Pensions and retirement planning
- R05 – Financial Protection
- R06 – Financial Planning Practice
- Full Certificate in Mortgage and Practice (Mortgage Advice and Protection)
McCauley joined us in 2018 as a financial services case manager but soon became one of our mortgage and insurance advisers.
McCauley is a quick learner, very responsive, client focussed and time efficient.
Financial Qualifications
- Ce-MAP Certificate in Mortgage Advice and Practice
- R05 – Financial Protection
John W – not to be confused with John J or Jonathan (!) – joined us in 2020.
John has been with HSBC for five years, a mortgage adviser for First Direct for 2 years and then in sales quality checking mortgages and protection for 3 years. He has joined our team as a mortgage and insurance adviser but will be working towards providing the full offer of financial services to our clients.
Statement of Professional Standing
- Diploma in Regulated Financial Planning
- Ce-MAP Certificate in Mortgage Advice and Practice
Karen is one of the business owners and has worked for Brighter for over 10 years.
Karen’s role is to co-ordinate the day-to-day operations of the practice, working as the central cog of simply everything and making sure that everything runs to plan. From diary entries, to organising training and ensuring everyone gets paid on time, we could not do without Karen!
Nic joined us in 2017 and is a member of the Brighter Development and Planning Team.
She is responsible for two main areas within the business:
1. Ensuring that the advisers follow case management processes in terms of client delivery and case recording for compliance purposes
2. Collating central financial data for analysis to inform future business decisions in terms of investment and development.
Ian works as the Financial Planning Co-ordinator for Brighter Financial Services Ltd.
Many moons ago Ian was a financial adviser and has brought that experience to Brighter where he has worked for over 10 years. He now works as an integral member of the Brighter Development and Planning team.
Ian’s responsibilities are to support the financial advisers in delivering financial services to clients. This involves a large degree of administration both in terms of “behind the scenes” administrative support as well as face to face contact to provide clients with on-going support with servicing.
Financial Qualifications
- FS Level 3 Certificate in Financial Administration and Planning
Melissa joined us in 2019 with 6 years’ experience in business administration.
Melissa supports Karen in the day-to-day operations of the practice but is also developing her role to manage business MI and administration on behalf of the mortgage and insurance team.
Mary joined Brighter in 2015 and is one of the business owners.
Her previous roles were with large corporates helping to develop strategies to tackle sickness absence.
Her role on joining Brighter in 2015, was to develop policy and procedure on behalf of Brighter and ensure processes that assisted with central governance of adviser practice.
Today she manages the Business Development and Planning team and most of her work centres on streamlining processes via on-line solutions. Mary is also responsible for marketing and works with local digital providers to ensure that the business is viable and attractive to prospective clients.