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Pensions

When do you want to retire and how much income will you need?

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Protection

How much cash would your family need to maintain their current lifestyle if you die prematurely?

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Investments

Are you making the best use of any spare capital or surplus income?

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Our People

Our people are very important to us, as is making certain we provide you with the best possible professional financial advice. Below is a short biography for each of our colleagues together with their contact telephone number. For further contact details please see our "Contact Us" page.


Malcolm Southern Dip PFS, Company Director

Tel. 01698 269977
Email. malcolm@southernfs.co.uk

Malcolm is the founder of SFS Investments. He started the Company in 1998 after working with Citibank for 13 years in Pensions and investments. He is a Highly qualified pension specialist which means he can advise in the complex field of defined benefit pensions (final salary) and can sign off on transfers.

Malcolm has appeared a number of times on Asset TV and the NEST UK Road Show as a guest speaker discussing corporate pensions.

He is also the Founder president of Lanarkshire Chamber of Commerce and the 1700 Lanarkshire breakfast club.

On the rare occasion Malcolm is not working he can be found hacking his way round his local golf course or on the squash court. Being English he is a keen fan of football and… cricket and his two Scottish sons never fail to wind him up about his origin or his love of awful sports!

 

David Charnley Dip PFS, Consultant

Tel. 01698 269977
Email. david@southernfs.co.uk

David is married to Karen and they have one son, Fraser. They live locally in Wishaw. Karen is a partner and Chartered Accountant at WDM Accountants based in Motherwell. Their son Fraser is a qualified Engineer. David and Karen are both members of their local golf club in Wishaw. David plays off a handicap of 7 and Karen 18. He is also a long-time fan of Motherwell Football Club. In David’s spare time he likes to play golf and spend time with his family.

David began his career over 23 years ago as a financial adviser with Allied Dunbar where he attained invaluable knowledge and experience in the financial services industry. He Joined SFS early in its foundation in 2000 and has been essential in its transformation to the respected institution it is today.

David specialises in Pensions and Investments both in the personal and corporate arena. Business protection is also an area he has a wealth of knowledge and experience in.

David also meets the qualification criteria through Vouchedfor as one of the UK’s Top Rated Advisers for 2019 and 2020.

Reviews and Ratings for Financial adviser David Charnley, Motherwell

 

 

Craig Southern Dip PFS, Consultant

Tel. 01698 269977
Email. craig@southernfs.co.uk

Craig has been with the business since 2013 and is the son of Malcolm. Craig has a law degree from Strathclyde University and has had 5 years of experience as a qualified accountant as an auditor for both French Duncan and Mazars LLP.

An opportunity arose for Craig to come on board the family business back in 2013 when automatic enrolment was first introduced. Craig was able to make good use of his corporate market skills which he obtained as a senior auditor to develop the automatic enrolment arm of the business and has been able to build up a substantial bank of both personal and corporate clients ever since.

Craig has two young children and loves spending time with his family. He plays squash for his local team, Giffnock, and is a member at Pollok golf club.

 

David McAleese Dip PFS, Consultant

Tel. 01698 269977
Email. davidm@southernfs.co.uk

Living in Blantyre but originally from Coatbridge David has been in the financial services industry for almost 30 years since joining Prudential Assurance as a District Agent in 1989 progressing to the Financial Consultant role.

In 1994 David moved to a Financial Adviser role with the Halifax Building Society and progressed to Area Manager for Northern Ireland in 1997 supervising advisers in the East Belfast and surrounding areas. Following the mergers of Halifax, The Leeds Building Society & The Bank of Scotland over a period of years David launched his own IFA practice, McAleese Independent Advice, in Hamilton in 2005 providing Whole of Market financial advice to clients.

After almost 10 years McAleese Independent Advice merged with Southern Financial Services Ltd where David continues to provide quality Pension, Investment, Mortgage & Protection advice to new & existing clients.

 

Paul Santi Dip FA, Consultant

Tel. 01698 269977
Email. paul@southernfs.co.uk

Paul is the newest member to join the Southern Financial Services team. Before he decided to make the transition into the finance world, Paul successfully owned and ran his own businesses for nearly two decades.

Paul is a fully qualified financial advisor and mortgage broker after studying and training with The London Institute of Banking and Finance. Paul is no stranger to hard work and takes great pride in providing the best possible guidance and advice for his clients.

In his spare time, Paul keeps himself busy as the Chairman of the Barrhead Business Improvement District, a keen member of Williamwood Golf Club, a dedicated guitar player and an incredibly doting father of two.

 

Pauline Charnley, Office Manager

Tel. 01698 269977
Email. pauline@southernfs.co.uk

Pauline has been with the company since 2001 and heads up our team of experienced administration and support personnel and has a broad knowledge on all areas of administration and processes in the financial services workplace.

Pauline also assists Malcolm with the rigorous compliance administration and responsibilities within the business

When not at work she loves to spend time with her 3 grandsons Ruaraidh, Struan & Flynn.

She likes reading, swimming and is quite involved at her church.

 

Audrey McNeill, Pensions Admin

Tel. 01698 269977
Email. audrey@southernfs.co.uk

Audrey has worked in financial services since 1999 having started as a financial adviser with the Co-operative Insurance Services. Throughout her time in the industry Audrey has worked for various prestigious companies such as First Direct, Barclays Wealth Management and Close Brothers Asset Management.

Audrey started with SFS Investments in 2016 and is proficient in the administration of pension transfers, pension drawdown, auto enrolment, group risk, individual protection and investments.

In her spare time when she is not chauffeuring her son Kyle and daughter Ruby around, she enjoys socialising (drinking wine!!).

 

Angela Aird, Pensions Admin

Tel. 01698 269977
Email. angela@southernfs.co.uk

Angela has extensive experience of over 20 years across the financial services industry, both in the corporate world of group schemes and group risk and with individual client portfolios with rebalancing of pensions and investments and personal protection.

Throughout this time, Angela has worked for Britannia Life, Abbey National and Towergate and started with Southern Financial Services in 2016, specialising in pensions with a vast wealth of knowledge in drawdown and pension transfers, both defined contribution and defined benefit plans and is our very own TVAS expert!

Outside of work Angela is kept very much on her toes with her 2 sons where she gets to practise her goalkeeping skills! She also enjoys going to the gym, socialising and dining out.

 

Linda Findlay, Administrator

Tel. 01698 269977
Email. linda@southernfs.co.uk

Linda has worked for SFS since 2016. Her previous career was mainly with Halifax Building Society and, following the merger, Bank of Scotland. She was fully qualified, holding Mortgage Advice qualifications as well as Certifications in Financial Services and Advice. She worked for the majority of her career, as a Mortgage Adviser providing assistance to clients who were buying their first or subsequent homes or arranging remortgages for clients who were looking to raise capital or find a better deal for their mortgage. She also provided clients with advice on their protection needs.

Outside of work, Linda’s time is taken up with caravanning and spending time with her many grandchildren.

 

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Data is compiled by Adviser Portals Ltd every 60 minutes. Information is not realtime. Last updated: 15/12/2019 at 05:46 PM