Educated at Gordon Schools, Huntly, before joining TSB as bank clerk in 1978. I switched to the role of financial adviser with them from 1989 until 1992. Then financial advisory/management roles with AEGON and GAN between 1992 and 1998. Founding partner of Albyn Associates, starting 6/4/98 with Iain Baird and still here! My social side sees me on the golf course, much to the despair of my other half!