Who We Are

The people we bring into our business are very important to us, all of whom are regulated by the Financial Conduct Authority. We recognise that financial planning is a personal journey and to get the most along the way, you need someone who you can talk openly and honestly with, who you can relate to and trust.

Meet The Team

Iain McCulloch, Managing Director

Tel. 02380 920128
Email. [email protected]

Iain has over 20 years’ experience within financial services and leads the team at HJS Financial Planning. Following 10 years working in large financial service organisations, Iain started up his own practice and now enjoys supporting clients with his holistic approach to financial planning. This means that recommendations are made in consideration of all your financial assets, to ensure the different components of the financial plan work together.

Iain’s areas of expertise are pensions, investments and estate planning.

Outside of the office, Iain is a keen fisherman and enjoys maintaining a high level of fitness. As a married father, Iain understands the pressure people feel to adequately provide for their family in the future.

Peter Winter, Adviser

Tel. 02380 920128
Email. [email protected]

Peter has worked with some of the world’s leading financial services companies including HSBC and Zurich during his career so far. Peter is passionate about using state of the art lifestyle planning tools in order to help his clients achieve financial freedom.

Peter is highly regarded in the industry and is both a Fellow of the CII and a Chartered Financial Planner. His area of expertise is equity release.

Outside of the office, Peter is a keen runner.

Hannah Donoghue, Financial Planner

Tel. 02380 920128
Email. [email protected]

Hannah joined HJS in 2017 following 15 years within financial services. Hannah is one our Lifestyle Financial Planning specialists – she helps clients to feel at ease about financial planning and confident that their plans are matched to what they truly desire.

Hannah’s areas of expertise are retirement planning and life protection.

Outside of the office, Hannah balances life as a mum-of-two. She enjoys time outdoors in the fresh air.

Stewart Davidson, Adviser

Tel. 02380 920128
Email. [email protected]

With over 20 years in financial services and driven by a desire to offer the best advice possible to people planning for their futures, Stewart focused on developing his skills and qualifications as an Independent Financial Adviser over the last 10 years. He adopts a no pressure advice-based approach; taking time to build rapport, understanding and trust with his clients.

Stewart’s areas of expertise are pensions and estate planning

Outside of the office, Stewart is a busy family man. As well as supporting his children in their chosen sports, Stewart remains an active ice hockey player himself.

Colin Higgin-Botham, Compliance Manager

Tel. 02380 920128
Email. [email protected]

Colin has been in the Financial Services industry for nearly 30 years, firstly as an adviser and then he moved to the compliance field. He brings a wealth of experience and provides practical support to our staff in the field of compliance, ensuring that our clients are kept at the forefront of our business planning.

Colin is also a keen fisherman but mostly likes to spend time with his wife of 33 years going to shows. He enjoys entertaining and is an active member of the United Reformed Church.

How can we help you?