Second Opinion Service

What is our Second Opinion Service?

We launched our Second Opinion Service (SOS) during the COVID pandemic in early 2020, responding to the many worries people had around their finances, and wanting to offer our expertise in some way. The service offers a broad review of your financial circumstances, including but not limited to an analysis of your investments and pensions, as well as your progress towards various life and financial goals. This service is provided free of charge.

What's included?

  • A review of your current financial situation, including goals, aspirations and values.
  • A review of your progress towards achieving your financial goals and confirmation of whether you are on the right track and/or pointers about possible adjustments.
  • A review of your existing investments/pensions, providing an analysis on:

Although our service often leads to a Second Opinion report, we are very flexible with the service and are happy to provide a more or less detailed opinion depending on your specific circumstances.

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What you get?

  • An understanding of where you are now and where you are looking to get to, and how far along the track you are to achieving this.
  • A clear view of your path towards your financial goals, be they a dream vacation, early retirement, an education fund for your children or a house extension, etc.
  • A greater understanding of the efficiency of your existing investments and pensions from a risk/reward point of view.
  • An understanding of the cost of your existing investments and pensions.
  • A clear traffic light system summary to show you the areas you are on track with and the areas that need further work.

Client Examples

Darren Lees and Polly Reaves

Our Planning Team

Barry O’Neill
Investment Director
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Darren Lees
Director, London
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Mark Christie
Corporate Director
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Richard Wadsworth
Director, Glasgow
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Matt Duncan
Associate Director
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Liam Kerr
Financial Planner
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Simon Rounce
Financial Planner
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Iain Harper
Financial Planner
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Gary Wright
Financial Planner
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Polly Reaves
Financial Planner
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Zoë Malpas
Financial Planner
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Michael Wilson
Financial Planner
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John Bell
Technical Director
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Barry O’Neill

Investment Director

A founding director at Carbon, Barry served his apprenticeship at TSB, then spent 12 years at Norwich Union. He is a Chartered Financial Planner, a Certified Financial Planner, Fellow of the Personal Finance Society, and a holder of the Investment Management Certificate.

Barry is an investment specialist and plays a key role in leading Carbon’s investment strategy.

A director of Montrose FC, Barry also plays the drums and loves live music and travel. He was once a part-time lighthouse keeper, but finally saw the light.

Darren Lees

Director, London

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 is charged with growing our London office. 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 usually be found on the golf course, at a football or rugby stadium, or glued to the television watching live sport.

Mark Christie

Corporate Director

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.

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 and the Chartered Institute for Securities and Investments, Chartered and Certified Financial Planner, Registered Life Planner and affiliate member of the Society of Trust and Estate Practitioners.

Richard works with individuals and families, advising on investment, pensions and tax matters. He has a specialism in helping individuals through separation and divorce.

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

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.

Liam Kerr

Financial Planner

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.

Simon Rounce

Financial Planner

Simon is a graduate of Liverpool University and is a Chartered Financial Planner.

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

A big Formula 1 fan, Simon also follows golf and football. He loves to travel when he has the luxury of free time.

Iain Harper

Financial Planner

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.

Gary Wright

Financial Planner

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.

Polly Reaves

Financial Planner

Polly graduated from the University of Glasgow with a BSc (Hons) in Physiology and is a Chartered Accountant with the Institute of Chartered Accountants Scotland. Polly is working towards becoming a Chartered Financial Planner.

Away from the office, Polly enjoys playing hockey for Heriot’s and is the club’s Treasurer. Polly also enjoys skiing and has recently taken up cycling.

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!

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.

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.

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Carbon Financial will use the information you provide on this form to keep in touch with you and to provide updates and marketing. Please indicate below that you are happy to receive our updates in the future:

You can change your mind at any time by clicking the unsubscribe link in the footer of any email you receive from us, or by contacting us at alison.whyte@carbonfinancial.co.uk. We will treat your information with respect. For more information about our privacy practices please visit our website. By clicking below, you agree that we may process your information in accordance with these terms.

We use Mailchimp as our marketing platform. By clicking below to subscribe, you acknowledge that your information will be transferred to Mailchimp for processing. Learn more about Mailchimp's privacy practices here.

Contact us today...

We have offices in Edinburgh, Glasgow, Aberdeen, Perth and London. You can contact us at any of our offices, or by email.

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.
Registered in Scotland #SC386400.
Registered Office: 61 Manor Place, Edinburgh EH3 7EG, Scotland.
© Carbon Financial Partners 2021
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