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John Bell - Financial Planner

Qualifications:

MA (Honours) Business & Economics, Diploma in Financial Planning, Certificate in Investment Administration, Advanced Diploma in Financial Services, Certified Financial Planner, Chartered Financial Planner, Society of Trust and Estate Practitioners (STEP) Certificate for Financial Services, Fellow of the Personal Finance Society.

Specialism:

Self-invested personal pensions (SIPPs), small self-administered schemes (SSASs) and property or share purchases using pension schemes.

Why my job's important:

“‘The best-laid schemes o' mice an' men gang aft agley [go often awry]’. A robust financial plan, however shrewd, is only as valuable as the research it is built upon, the firm’s ability to put it into practice, service and support it. I help to build sound financial plans based on academic research and in accordance with the latest legislative position and outlook. I endeavour to help the team at Carbon execute these to the highest standard.”

Career history:

John started work in the finance department of St Margaret’s School in Edinburgh, where he assisted the finance director. He also worked in trustee and depositary services within HSBC, before joining the independent financial advice sector.

Top financial planning tip:

“Beware the sheep mentality. Deciding where to place your hard-earned savings on the basis of popular opinion or the latest trend seems like lunacy, but many intelligent individuals fall into this trap. The greater the hype, the more caution is warranted. Information is often free, but the cost of acting on it can be expensive.”

Favourite book:

The "Lonely Planet" guides to Australia, New Zealand and South East Asia

Did you know?

The first and only time John swam on an American beach, in the Outer Banks of North Carolina, he noticed he was the only one in the sea even though the sun was shining and the water was warm. Later the same day he watched a group of local fishermen haul a 500 pound shark in off the pier.