Allan Maxwell, BSc (Hons)

Director and Chartered Financial Planner

Allan MaxwellAllan gained his BSc in Actuarial Mathematics and Statistics at Heriot Watt University. He has also undertaken extensive additional study and was elected as an Associate of the Chartered Insurance Institute in 2005. In 2007 he was awarded individual Chartered Financial Planner status.


Allan has in excess of 30 years experience of corporate pensions. He was initially involved in the defined benefits area and is now able to deploy these skills to defined contribution pensions. He is fully qualified and authorised to offer advice on pension transfers.

Allan's aim is initially to help clients to clearly identify their short and long term objectives as well as the degree of risk each individual is willing to accept. He will then recommend a strategy which gives them the best chance of achieving these goals within the agreed risk level. He is aware that an individual's circumstances and tolerance of risk can change over time. It is therefore essential to review progress to ensure that the initial strategy is refined to take account of any unforeseen events.

Allan’s main outside interest is in sport in particular football. Having seen Ross County gain promotion to the SPL he wonders what next? Scotland qualifying for the latter stages of a World Cup? Participation these days is limited to cycling and the odd game of curling.

Maureen Ruddy, MA, Dip PFS


Maureen RuddyMaureen graduated from Glasgow University with an MA in English Literature and Statistics in 1984. Maureen also has over 30 years experience in the pensions industry; initially working for a couple of large insurance companies, before moving to Aon Consulting as a Regulated Pensions Consultant in 1997 and then a Senior Consultant in 2001. She is Diploma Qualified and also has the Advanced Pension Transfer Qualification.


She has wide experience of both trust-based and insured schemes and is also fully qualified and authorised to offer advice on pension transfers.Maureen believes that the jargon surrounding pensions and investments must be eliminated and tries to use plain English as much as possible with people as only then, do those clients value what they have and understand what the next steps need to be to achieve their goals.

On a personal front Maureen likes to spend time with family and friends and she enjoys nothing more than heading to the sun for a relaxing break or to the Highlands in pursuit of the many and varied outdoor pursuits on offer.

Iain McCallum Dip PFS


Iain McCallumIain has worked in the financial services industry for 17 years and has gained experience working with Scottish Amicable and Aon Consulting Ltd.

He is authorised and registered with the FCA and able to provide sound advice and guidance on all aspects of financial planning. In keeping with increasing demands on being professional and working to elite standards, Iain is qualified to Diploma status.

Iain will be specialising in pensions, investments, protection and retirement advice in his role within Corporate Benefits.

Iain is also a keen golfer and footballer, although football is limited to 5-a-sides these days!

Irene Vandermotten BA (Hons) Dip PFS


IreneIrene graduated from Glasgow Caledonian University in 2001 with a BA (Hons) degree in Risk Management and was immediately employed at Aon Consulting Ltd, initially as an administrator and was promoted to Associate Consultant.

She obtained her Cert PFS in 2004, and her Diploma in 2012.

Away from work, Irene likes to keep busy as she plays 5-aside football every week, as well as attending tap and ballet classes. She also relaxes by playing the piano and guitar, although not at the same time!