We are a team of old and new faces but who have a few things in common – a desire to get the best financial solution for you (financial advisers) a desire to work tirelessly to help you get the right mortgage for you to secure your home (mortgage advisers) and a recognition that professionalism counts, in all matters.
Ross is the Managing Director of Brighter Financial Services Ltd,
Ross originally trained to be a scientist with an agro-chemical firm but decided to switch careers to become a financial adviser over 15 years ago. After many hours study and countless exams, Ross has now become chartered, earning himself the title of Chartered Financial Planner.
Ross’s key aims are two-fold for the business— to ensure that the product and service offering is current, cost-effective and meets the needs of the client market. Secondly, to maintain and continually evaluate a service proposition that engages the client at every step in the financial planning journey.
He holds the prescribed responsibility (SMF16) for Compliance Oversight.
Fellow of the Personal Finance Society
Advanced Diploma in Financial Planning
Diploma in Financial Planning
Financial Planning Certificate
Certificate in Discretionary Investment Management
Certificate in Mortgage Advice
Certificate in Life and Pensions
Award in Long Term Care Insurance
Financial Qualifications
AF2- Business Financial Planning
AF3- Pension Planning (inc.Occupational)
AF4- Investment Planning
AF5-Financial Planning Process
JO4- Pension Funding Options
JO5- Pension income qualification
MAQ_ Mortgage Advice Qualification
RO2- Investment Principles and Risk.
John is the Operational Director of Brighter Financial Services Ltd
John manages the operational processes for the practice ensuring alignment of resources with key business development objectives .John carries his own client bank and is responsible for adviser development to meet key strategic targets.
He is currently supporting the business development team to help create a later life financial planning proposition.
He holds the prescribed responsibility (SMF17) as the Anti Money Laundering Officer.
Statement of Professional Standing
Member of CII
Member of PFS
Diploma in Financial Planning
Financial Planning Certificate, 1, 2, 3.
Certificate in Mortgage Advice
Certificate in Life and Pensions
Award in Long Term Care Insurance
CII Advanced Mortgage Professional with Equity Release
Financial qualifications
JO8- Financial Planning practice
MAQ-Mortgage Advice Qualification
R01-Regulation, Legislation and Code of Ethics.
RO4-Pensions and Retirement Planning
CF1- Regulation and Ethics
CF3-Financial Protection
CF4-Retirement Planning
CF5-Integrated Financial Planning
CF8-Long Term Care Insurance
Bradley had previous financial services experience when he joined the practice in May 2017. He looks to support clients with a full financial planning service, but specialises in giving retirement and pension advice. He holds the qualifications to advise on pension transfers and will be Chartered in 2020
Client engagement is an area we wish to excel in and Bradley will be working with our clients to ensure that they receive the service we want to offer and the one we know they expect from us.
Bradley is integral to the development of our investment proposition and plays a lead role in due diligence.
Bradley’s Professional Qualifications
Diploma in Financial Planning
CII Certificate in Mortgage Advice
CII Diploma in Regulated Financial Planning
LIBF Certificate in Financial Administration and Planning
LIBF Certificate in Retail Banking Conduct of Business
Bradley’s Financial Qualifications
AF1 - Personal Tax and and Trust Planning
AF3-Pension Planning
AF4-Investment Planning
R01-Financial services, regulations and ethics
R02-Investment principles and risk
R03-Personal taxation
R04-Pensions and retirement planning
R05-Financial Protection
R06-Financial Planning Practice
R08-Pensions Update
CF6-Mortgage advice
J10 - Discretionary Investment Management
CeFAP Units 1,2,3&4
Richard joined Brighter in early 2019. For the previous 17 years he ran his own firm.
Richard continues to advise his existing clients and will be using his 35 years of experience of working in the Financial Services Industry to assist the development of the younger members of the team.
Richard was born in Warley and is married with three grown up children. He enjoys racket sports and walking and if not in the Ryburn Valley will normally be found enjoying the fells of the Lake District.
Statement of Professional Standing
Fellow of the Personal Finance Society
Advanced Diploma in Financial Planning
Diploma in Financial Planning
Financial Planning Certificate
Certificate in Discretionary Investment Management
Certificate in Mortgage Advice
Certificate in Life and Pensions
Award in Long Term Care Insurance
Financial Qualifications
AF2- Business Financial Planning
G10- Taxation & Trusts
G60- Pensions
K10- Retirement Options
K20- Pension Investment Options
JO3- The tax and legal aspects of business
J10- Discretionary Investment Management
R01-Financial Services, regulation and ethics.
CF1- Regulation and Ethics
CF2-Investment and Risk
CF3-Financial Protection
CF4-Retirement Planning
CF5-Integrated Financial Planning
CF6-Mortgage Advice
CF8-Long Term Care Insurance
Jonathan joined Brighter in May 2016. Jonathan is one of our Financial Advisers but carries out a specific function as Mortgages Technical Adviser.
As an IFA, Jonathan will not only be helping individuals with their financial planning needs but will also be supporting businesses with their specific issues such as Asset Management, Private Medical Insurance and Auto Enrollment Pension Schemes.
Professional Qualifications
Diploma in Financial Planning
Institute of Financial Services (IFS)
Financial Qualifications
Full Ce-MAP (Mortgage advice and Protection)
McCauley joined Brighter in November 2018. McCauley has recently been promoted to our mortgage services team, as a mortgage and protection adviser, after working very effectivley as a financial services case manager for one year.
McCauley is from the Rossendale Valley in Lancashire and has lived there his entire life. McCauley loves to travel and enjoys socialising with friends at the weekend.
Professional Qualifications
CeMAP (Certificate in mortgage advice and practice)
Karen is our Financial Practice Manager.
Karen is responsible for the day to day management of the practice and works closely with the Directors, supporting them with case management for pensions and investments.
When there are any new changes that happen within the practice, Karen makes sure that they are implemented smoothly and effectively. Karen also assists the Business Development Manager to ensure that the practice is up to date with any compliance needs, in line with FCA requirements.
Karen is married to John and has 2 grown up sons. In her spare time she enjoys spend time with her family and walking their dog.
Nicola is our Financial Services Case Manager.
Nicola manages the day to day processing of client files and ensures that our management information systems are up to date. Nicola is also responsible for improving systems of work and works closely with the senior management team to assist in FCA compliance obligations.
Ian works as the Financial Planning Co-ordinator for Brighter Financial Services Ltd
Maintaining day to day support for the advisers, he also works within the business development team, working “front of house” to support the co-ordination of projects that will enable us to continually provide excellence to our clients in the area of financial services.
Ian has one teenage daughter and enjoys socialising. He is a larger than life character who is a regular part of the cast at his local amateur dramatics society.
The pantomime is a regular feature for the Brighter entertainments schedule!
Professional Qualifications
IFS Level 3 Certificate in Financial Administration and Planning
Melissa is our Financial Practice Administrator
Melissa has an NVQ Level 2 in Business & Administration and over 6 years’ experience working within the administration sector.
Most recently she worked as a medical secretary supporting a team of professionals in a psychiatric hospital for 2 & a half years.
In her spare time she likes to spend time with family. She also enjoy doing exercise classes at the gym.
She joined Brighter in July 2019 to support with administration within the practice.
Mary joined the business in April 2015. She has previously worked in project management and service start – up roles and brings these skills to Brighter.
Her role is to build on the solid foundation of excellent customer relations and service and create a strategy for the business which is evolving and sensitive to the needs of clients within the current financial market place.
Mary is involved in all areas of process, technological and service development and maintains responsibility for business compliance. She also ensure that Brighter continues to have client appeal through the development of a tailored marketing brand.
“I have come from the health sector to join financial services.
I would describe myself as a novice in the world of finance, albeit that I have worked on large projects within the banking sector, as part of my occupational health management practice.”
The health sector has similar levels of information for service users but what is different is that it is not faceless information. My role is to remove barriers and ensure that our person-centred marketing strategy is exercised in all we deliver to clients, both in terms of how we market our services to clients and how we manage their needs in the client-business relationship”