About Us

Carbon Financial

We are in business to help people realise the life story they have always dreamed of.

So when you achieve ‘financial success’ in whichever guise it takes, this success will be celebrated not only by you but the whole team at Carbon. It is our purpose to make a meaningful impact in your life.

We love a success story. Our team wants to make a meaningful impact on your life. Expect them to celebrate your success and live and breathe your aspirations, every day, as your financial planners and partners in life.

Our Team

Gordon Wilson
Managing Director
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Shireen Fernie
Operations Director
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Barry O’Neill
Associate Director
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Mark Christie
Director of Financial Planning
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Alison Whyte
Client Director
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Matt Duncan
Associate Director
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Richard Wadsworth
Director, Glasgow
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Darren Lees
Associate Director
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John Bell
Technical Director
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Gary Wright
Associate Director
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Iain Harper
Associate Director
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Liam Kerr
Director, Aberdeen
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Polly Reaves
Financial Planner
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Jonathan Young
Financial Planner
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Zoë Malpas
Financial Planner
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Michael Wilson
Financial Planner
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Felicity Morris
Financial Planner
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Dean McFarlane
Financial Planner
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George Sampson
Financial Planner
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Darren McMillan
Financial Planner
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Gordon Wilson

Managing Director

Gordon co-founded Carbon in 2011. He began his career as a graduate trainee with Standard Life in 1992 and went on to own his first business, Thomson Shepherd, in 2000. After 8 years of growth through acquisition and organic growth, the majority stake in the business was sold to Skipton Building Society where Gordon was a managing director.

An average golfer, Gordon enjoys touring the Perthshire countryside on his bike. He also spends a good deal of time trying to catch the increasingly elusive Scottish salmon.

> Connect with Gordon on LinkedIn

Shireen Fernie

Operations Director

A founding director at Carbon, Shireen began her financial services career as an administrator straight from school. Thirty-five years later she has probably performed every role in the business so brings a wealth of experience and expertise.

Shireen is responsible for everything in the business except delivering advice so is critical to the smooth running of Carbon.

Shireen is a lover of the outdoors, an avid gardener and loves to read and practice yoga when she has time.

> Connect with Shireen on LinkedIn

Barry O’Neill

Associate Director

A founding director of Carbon, Barry served his financial services apprenticeship in banking, then spent 12 years at various companies that went on to become Aviva.

Barry has decades of experience in investment strategy and is a member of Carbon’s investment team.

In his spare time, Barry is a Board member at Montrose FC and is Director of Football for Montrose FC Women. He plays the drums and has a passion for live music and travel. Barry was once a part-time lighthouse keeper, but finally saw the light.

> Connect with Barry on LinkedIn

Mark Christie

Director of Financial Planning

A founding director, Mark spent eight years with Standard Life before becoming an independent financial adviser.

A Chartered Financial Planner and Certified Financial Planner with 30 years experience, Mark specialises in advising business owners and helping them to establish how much money they need to ensure they can have all the fun they want without ever running out of money.

A lover of the great outdoors, Mark enjoys mountain biking and tries hard at golf. His greatest passion though is skiing, particularly off-piste.

> Connect with Mark on LinkedIn

Alison Whyte

Client Director

Alison has been with Carbon since our first day of trading. She has 30 years experience of working in financial services and has successfully performed a range of administrative and management roles in her career. Alison now focuses on all things client, making sure Carbon delivers exceptional service and great events.

When she’s not working Alison enjoys walking, travel and spending time with friends and family.

> Connect with Alison on LinkedIn

Matt Duncan

Associate Director

Matt holds MSC and MA degrees in finance and investment management from the University of Aberdeen. He is also a Chartered Financial Planner and Fellow of the Personal Finance Society.

Matt’s clients include business owners, senior executives and partners in law and accountancy practices. With a detailed knowledge of all aspects of financial planning Matt is well placed to advise on complex financial issues.

A keen player and spectator of many sports, Matt is also interested in current affairs and travel. He harbours an ambition to visit every country in the world.

> Connect with Matt on LinkedIn

Richard Wadsworth

Director, Glasgow

Richard joined Carbon in 2012 having started his career as a graduate trainee with Standard Life. He went on to work for Douglas Deakin Young in London and Ernst & Young, where he advised the partners. Richard’s qualifications include; Fellow of the Personal Finance Society (FPFS) & Chartered Financial Planner, Affiliate member of the Society of Trust and Estate Practitioners (STEP), Registered Life Planner.

While Richard deals with a range of different clients, he works in particular with:

1 - busy individuals and families looking ahead to retirement; and

2 - women going through separation or divorce in Scotland where matrimonial assets amount to over £1m.

Richard took up cycling in his 40s and is now a confirmed MAMIL (middle-aged man in lycra).

> Connect with Richard on LinkedIn

Darren Lees

Associate Director

Darren is a Chartered Financial Planner. A law graduate, Darren began his career on Carbon’s graduate training programme. After he qualified he joined an independent financial adviser in London before moving to Coutts Private Bank where he advised entrepreneurs and high net worth individuals.

Darren works with clients in Scotland and London. His clients include business owners, senior executives and partners in law and accountancy practices. With a detailed knowledge of all aspects of financial planning Darren is well placed to advise on complex financial issues.

When not at work, Darren can be found spending time with his family, on the golf course or at a sports stadium.

> Connect with Darren on LinkedIn

John Bell

Technical Director

John graduated with an MA in business and economics. He is a Fellow of the Personal Finance Society and a Chartered and Certified Financial Planner.

As technical director, John has detailed understanding of most aspects of financial advice and planning. He also chairs Carbon’s investment team.

A massive film fan, John is a regular at the Edinburgh International Film Festival, and once met Kevin Bacon.

> Connect with John on LinkedIn

Gary Wright

Associate Director

Gary graduated from Heriot-Watt University with an MA (Hons) in accountancy and finance. He is a Chartered Financial Planner, and Fellow of the Personal Finance Society. He also has the Certificate in Discretionary Investment Management and is studying for his Chartered Tax Adviser qualification.

Gary’s clients include business owners, senior executives and partners in law and accountancy practices. With a detailed knowledge of all aspects of financial planning Gary is well placed to advise on complex financial issues.

A golf and rugby fan, Gary actively supports several charities. He also enjoys dining in good restaurants.

> Connect with Gary on LinkedIn

Iain Harper

Associate Director

Iain graduated with MA (Hons) in business studies and economics from the University of Edinburgh, is a Chartered and Certified Financial Planner and Fellow of the Personal Finance Society.

Iain advises clients from a broad range of backgrounds on pre and post retirement matters and investment.

Outside of work, Iain’s main interests are rugby, golf, hillwalking and cycling.

> Connect with Iain on LinkedIn

Liam Kerr

Director, Aberdeen

With a BA in International Business and Spanish, Liam is a Chartered Financial Planner.

Liam works in our Aberdeen office and advises clients from a wide range of backgrounds on pre and post retirement issues and investment.

Liam loves to play and watch most sports. He may be at his happiest when walking his dog Ted in the beautiful countryside of the North East.

> Connect with Liam on LinkedIn

Polly Reaves

Financial Planner

Polly graduated from the University of Glasgow with a BSc (Hons) in Physiology. Following graduation, Polly became a Chartered Accountant working within Audit and then Banking before moving into Financial Planning to work more closely with individuals looking to achieve confidence and clarity around their finances.

Polly is a Chartered Financial Planner based in our Edinburgh office and looks after a range of clients across the country, including those with pre- and post-retirement issues, and individuals going through major life changes such as divorce and bereavement.

Away from the office Polly enjoys getting out into the Scottish countryside with her labrador Nellie, skiing, and has recently found a new interest in Crossfit (even if the lungs don’t always enjoy it!)

> Connect with Polly on LinkedIn

Jonathan Young

Financial Planner

Jonathan Young is a Financial Planner with Carbon. This is actually his second stint with Carbon, having originally worked in the business a few years ago. He explored opportunities with another wealth management business but ultimately came back as he preferred the culture here and trusts the senior management in their vision for the company and his career. Jonathan had a slightly unusual journey into financial planning as his degree from Strathclyde University was in English. When leaving University, the careers for that degree were driven towards teaching which was something he wasn’t interested in. Instead, he went to work for a pensions provider and worked his way into becoming a technical expert in pensions. He then decided to move into financial planning in 2016 for more diversity which has been the area he has remained in ever since.

> Connect with Jonathan on LinkedIn

Zoë Malpas

Financial Planner

Zoë’s career in Financial Services began studying Finance & Business at Abertay University. Zoë is working towards becoming a Chartered Financial Planner. Zoë has experience of advising on a range of financial situations which might include complex pensions or more conventional investment solutions.

Zoë’s passion for her clients and their families allows them to benefit from a personal and unique experience.

Out of working hours Zoë can be found in the hills with the dog, socialising with her friends and family or annoying her loved ones with motivational/inspirational quotes!

> Connect with Zoë on LinkedIn

Michael Wilson

Financial Planner

Michael graduated with a BSc (Hons) in Mathematical Studies from Heriot Watt University. He is a Chartered Financial Planner and Fellow of the Personal Finance Society.

Michael joined Carbon as a Graduate Trainee and has performed a variety of roles throughout the business, most recently transitioning into the role of Financial Planner.

Away from work, Michael is heavily involved in his local church and enjoys playing football, going to the gym and travelling.

> Connect with Michael on LinkedIn

Felicity Morris

Financial Planner

Felicity began her career in Financial Services in Chester, before relocating to Bristol, and finally Edinburgh in order to progress through various roles. Felicity is a Chartered Financial Planner who understands that ensuring your financial “health” is top notch allows you to relax and enjoy the rest of your life.

Outside of work, Felicity is a keen climber and looks forward to bagging 282 Munros, in addition to Kitesurfing along beautiful stretches of the Scottish coastline. Of course, to fuel those hobbies, Felicity spends plenty of time baking and cooking.

> Connect with Felicity on LinkedIn

Dean McFarlane

Financial Planner

Dean graduated with a BA(Hons) in Accounting and Finance from Robert Gordon University. He holds the CII Diploma in Regulated Financial Planning and hopes to complete his exams to attain Chartered Status in 2024. Outside of work, Dean enjoys strength training and weekend walks with his family.

> Connect with Dean on LinkedIn

George Sampson

Financial Planner

George studied at the University of Edinburgh and holds an MA (Hons) in Accounting and Finance. George joined Carbon in 2018 and has since achieved chartered financial planner status. When not at work George is a very keen golfer, likes to keep fit and watch live sporting events with his friends.

> Connect with George on LinkedIn

Darren McMillan

Financial Planner

Darren began his career in the finance industry in 2016 as a Modern Apprentice. After working at a couple of different IFAs, Darren joined Carbon in 2021 in a Paraplanner role but has since transitioned into his new role as a Trainee Financial Planner. Darren is a Chartered Financial Planner based in our Edinburgh office.

Outside of work, Darren like to stay active and spends most of his free time in the gym, playing rugby or golf and watching live sport.

> Connect with Darren on LinkedIn

LIFE

The LIFE acronym describes what you can expect from our planning team:

L Listening:
We will actively listen to you, so we understand what is most important to you.

I – Invested:
We will be deeply committed to helping you realise the life you want to live.

F – Friendly:
We care about what we do and we care about our clients. We are approachable and there to help you.

E – Empathetic:
We understand the challenges money brings, both too much of it and too little of it. We also understand how difficult it can be to talk about money. We get it.

Friendly and place customer first. They take the stress away from financial planning and provide clear and easy to understand advice

Carbon client testimonial

Our Values

We will always be the best we can be, going the extra mile for our clients and providing the best quality advice and service. We invest heavily in training and personal development so each member of our team is supported to reach their potential.

We will always do the right thing for our clients, our team and our communities. The advice our clients receive will be no different from the advice we would give to ourselves or members of our own family.

We are free to be different, as an independent company owned by its employees, Carbon can go its own way, free from the constraints of being a large corporate or the traditions of the financial services industry. We are no ordinary financial advice business.

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Carbon Financial Partners Limited is authorised and regulated by the Financial Conduct Authority. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Conduct Authority does not regulate some forms of tax advice.
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Registered Office: 61 Manor Place, Edinburgh EH3 7EG, Scotland.
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