Phil joined Central Investment as a Corporate Benefits Adviser in 2012.  He has over 35 years’ financial services experience and has previously held financial consultancy positions with both national and local practices throughout his career.

Phil provides retirement planning, pensions and investment advice for private clients and also provides corporate benefits advice in respect of auto-enrolment, group risk and workplace savings arrangements, as well as helping with the planning needs of business owners, company directors and executives.

With more than 30 years of experience in financial services, David joined Central Investment in 2011 as a Financial Adviser. Previously, he had his own financial services business after over 20 years’ service with a leading life and pensions provider.

David specialises in all areas of financial planning including wealth management, pre-and post-retirement and protection.

Lloyd joined Central Investment in 2012 as a Financial Adviser and specialises in offering private client advice in investment, savings and retirement planning, 

Prior to joining Central Investment Lloyd worked in mortgages and financial planning for a global bank and also the UK's largest building society.

Lloyd holds the Diploma for Financial Advisers (DipFA), the Certificate in Mortgage Advice and Practice (CeMAP), and sits on the company’s Investment Committee.

As a member of Consensus Scotland, Lloyd is specially trained in Collaborative Practice, a voluntary dispute resolution process in which separating couples come to an agreement without resorting to litigation.

Joyce joined Central Investment Services in 2014 and has worked in the Financial Services Industry for more than 10 years.

Joyce holds the Diploma in Financial Planning (Dip PFS), the Certificate in Mortgage Advice and Practice (CeMAP) and is a member of the Personal Finance Society.

Joyce specialises in offering advice to Private Clients in Retirement Planning, Pensions and Investments. Joyce's philosophy for good practice is listening to clients, understanding their needs and managing their expectations.

Wayne joined Central Investment in 2015 as a Chartered
Financial Planner, following more than 15 years'
experience in senior positions with a number of leading
financial firms.

As a Chartered Financial Planner with a Diploma in
Financial Planning (Dip PFS), Wayne will be focusing his
extensive financial planning experience on private clients.
Wayne is a strong communicator and always aims to
connect with his clients, ensuring he fully explains all
terminology whenever possible and simplifies things if
necessary when discussing financial matters.

Keith joined Central Investment in 2008. Prior to this, he worked in mortgage services and financial advising and has more than 30 years of mortgage experience.

Keith holds a Certificate in Mortgage Advice and Practice (CeMAP) and specialises in all forms of residential issues including main residence, shared ownership, shared equity schemes and lifetime mortgages. Clients say he simplifies the process of buying a property by taking the stress out of the process and taking time to explain mortgage needs and objectives.

Alister joined Central Investment in 2016 as a Financial Adviser, having previously spent over 20 years advising clients locally, including 14 years running his own financial services business. He holds the Diploma in Financial Planning (DipPFS), as well as the Certificate in Mortgage Advice and Practice (CeMAP) and is currently working towards achieving chartered status.

Alister enjoys developing an understanding of his client’s changing needs over the long term and he is passionate about helping clients to achieve and maintain the lifestyle they want, both while they are working and after they retire.