Bill is an Independent Financial Adviser, based in Edinburgh who aims to providing holistic advice around your financial planning needs for you as an individual, a partnership or as a company.
Bill started Scotia Wealth Management Ltd to ensure that we follow the ethos of providing advice that is suitable for your needs now and for the future.
He joined the financial services industry in 1992, since then he has worked for major life companies, local IFA practices as well as a national firm of IFA’s. Although Bill provides advice on all aspects of financial planning, he is known as a pension specialist with the nickname of “Mr Pension”, due to his passion for pensions. Bill advises other IFA’s with regard to their clients' pensions and even some of their own pensions due to the complex nature of retirement planning.
Bill is now retired as an reserve officer with the Royal Naval Reserve based at HMS SCOTIA in Rosyth. There is a hint in the company name! In his spare time Bill is involved in charity work and in what time he has left he keeps fit by running and playing golf.

Mark offers over 20 years extensive experience as a Financial Adviser and Relationship Manager in financial services. Mark offers advice on all areas of financial planning and supports clients to formulate and understand their plans for the future. His clients appreciate the straight forward, easy to understand advice and support he provides.

Mark joined the company as it shared the common aim to provide a gold standard service offering unbiased advice. He is Diploma qualified financial professional, CeMAP qualified, and a fellow of the Chartered Institute of Bankers in Scotland.

Outside work, Mark is married and has two cats. He is a trustee for two charities and provides support to other charities with his professional knowledge. Mark enjoys keeping active, and is a caller with Sporrandipity Ceilidh band and enjoys golf, walking, and running (completing his first marathon in 2016).

Graeme has worked in financial services since 1984 and has been an IFA since Financial Services regulations began in 1988. Graeme has extensive experience in all aspects of personal financial planning, with particular interest in investments and some years of experience working with expatriated clients.
Graeme is married with two daughters and when not working, he can be found under a pile of grandchildren . Outside of that he enjoysn culture vulturing, walking, swimming, golfing and treading the boards in amateur dramatics.

Jamie has worked in financial services since 2014 and is now a qualified independent Financial Adviser. Jamie joined the Scotia team in April 2023 and is keen to supporting clients through their financial journey.

One of Jamie’s main objectives is to learn about his client’s journey and understand what lifestyle they wish to have now and in the future. Once Jamie establishes this, he can use all the financial planning tools available to help clients achieve their goals.

Outside of work, Jamie manages and plays for an amateur football team based in Musselburgh. He also enjoys an occasional game of golf but must devote more time to improve his game!

Billy has over 30 years of experience in the Financial Services industry, and have been helping clients from all walks of life during his career. At Scotia Wealth Management Billy specialises in Mortgage and Protection advice.

Isobel joined Scotia after working for major retail companies as well as independent manufactures. She brings wider business and customer service expertise. She is an experienced business and personnel manager who has provided new ways of thinking to Scotia.

Jacqueline joined Scotia after working for a major insurance company. She is enjoying the challenge of working within a small more flexible organisation. She is about to start increasing her knowledge by taking the chartered insurance institute exams.

Ellie joined Scotia after moving to Edinburgh from London where she worked in a similar role. She has settled well into the team bringing knowledge and a different perspective. She is currently studying the next Chartered Insurance Institute exam and aims to become a qualified paraplanner.

Debbie joined Scotia in 2021 having worked in administrative roles in financial services for over 35 years and is enjoying being part of the Scotia family.

Debbie is married with two grown up daughters and loves spending time with them and all her extended family.

In her spare time she enjoy cooking, walking, quiz shows and watching movies.

Katarzna or Kate joined Scotia as maternity cover, after moving from Warsaw, where she had worked in the banking sector. She was such a hit that she was kept on full time. She enjoys Scotia’s inclusive organisational culture and takes up new challenges with an open mind and “Can-Do” attitude. As a lover of poetry, she likes to search for antique books and embraces Scottish culture and people with the sense of an enriching and pleasant adventure, calling Scotland her home. As a wife and mother of two teenagers, Kate appreciates the family-friendly attitude of Scotia.

Bethany joined Scotia after working in the retail sector. She is enjoying the challenges of a new working environment and developing her knowledge of the financial services industry. In the time since she joined she has excelled in her knowledge.

Outside of the office Bethany enjoys spending time with her family and friends, especially her little cousin and walking her dog .

Catriona started with Scotia after working in hospitality and property management. She wanted a change in scenery and a new challenge.

She has extensive office experience and is enjoying the new environment of financial services together with the team atmosphere.

She is a friendly hard-working person who is eager to learn. In her spare time she enjoy walking, watching tv shows, movies and socialising with friends.

Selkie bounces into the office every day. She will wag her tail when you are feeling down and you need a happy thought.