0141 354 1535

Meet The Team

Clayton Cumming

Independent Financial Adviser & Partner

One of the most important lessons I have learned is that becoming a great financial planner is all about understanding the needs of clients and recognizing that everyone's life situation is unique. I am passionate abour making sure your finances are in good shape.

That is why I have been rated as one of the top independent financial advisers on Vouchedfor.

While I've been helping my clients meet their financial goals for 15 years now, that message has become even more apparent. I understand that my clients are the most important part of my firm and that personalized service is essential when matching clients with the right financial products and services.

Whether your current goals involve purchasing a first home, financing a child's college education, reviewing your savings & investments or planning for retirement, I want to help you make the most suitable decisions with your money.

If you ever have questions about your plan or about specific financial products, contact me. We will set up a time to meet to review your needs and address any questions you may have. Working together, we will create a plan to meet your financial goals.

Tel: 0141 354 1535

Read my reviews on Vouched For

Joanne Woods

Chartered Financial Planner & Partner

I am proud of my career as an IFA.  I have met some fantastic clients along the way, many of whom have become friends and welcomed me into their families.

I have over 20 years of experience in the industry which has exposed me to a broad range of client circumstances and this knowledge has been consistently reinforced. 

I am very proud to hold the distinction of Chartered Financial Planner and I am a Fellow of the Chartered Insurance Institute.

I provide fully holistic financial planning, developing and protecting wealth at key life stages. I take great pride in my profession and always provide a clear, detailed and personalised plan.

My focus is to provide a proactive service, delivering regular reviews of your financial goals in order to achieve your aspirations and to have a positive impact on you and your family.

Tel: 0141 354 1535
07880 518693

Brian Collins

Independent Financial Adviser & Partner

As a founder member of AWMS I am delighted with how well the company has coped and adopted to the changes introduced by the Retail Distribution Review (Jan 2013) and we continue to grow from strength to strength.

I have been providing expert independent financial advice to clients for over 15 years. I am fully qualified to provide advice in all areas of Financial Planning.

Being an Independent Adviser gives me great satisfaction as I can provide my customers with unbiased advice and I can advise on products from any provider right across the market.

I feel that this is hugely important when you are dealing with client's financial affairs, as a single provider invariably will never offer the perfect solution or proposition for every client specific circumstance.

Tel: 0141 354 1535
07584 126554

Sue Watson

Independent Financial Adviser & Partner

I have enjoyed over 26 years of experience in Financial Services, all of which have been within the IFA market place.

Before becoming a founding Partner in Advice & Wealth Management Solutions, I was employed as an Independent Financial Adviser with the Royal Bank of Scotland dealing with their high net worth customers. 

Prior to that I have worked for Legal & General, the Zurich IFA Group and Jardine Financial Consultants.

I have a diversified client base to whom I offer advice on many areas of financial planning.  I am delighted to have grown my client base over the years from my existing valued clients who are happy to pass my name on with confidence to family, friends and colleagues.

I hold the Diploma in Financial Services and I am a member of the Chartered Insurance Institute.

The main reason for becoming a Partner in Advice & Wealth Management Solutions LLP was to ensure that I offer my clients an unbiased, and fully independent service in all areas of financial planning. 

Tel: 0141 354 1535
07506 799209

Ross MacArthur

Chartered Financial Planner & Partner

For the past 18 years I have provided expert holistic financial advice to both individual and corporate clients predominantly as an Independent Financial Adviser.

Before becoming a founding Partner, I was employed within major UK financial institutions at a senior level enjoying a highly successful career.  As a result of industry changes, AWMS was founded to continue the provision of unbiased and fully independent advice in all areas of financial planning which ensures best advice at all times.

I have dealt with many clients for many years and have built up strong relationships where a professional service, trust and friendship is key.

I am very proud to hold the distinction of Chartered Financial Planner status, a designation which reflects the highest level of ethics, expertise and knowledge within the financial planning industry.

I am also a Fellow of the Chartered Insurance Institute and Personal Finance Society as well as a Chartered Banker.

My professional background, senior qualifications and experience has resulted in being used as an expert witness in Court of Session proceedings.

Tel: 0141 354 1535
0770 1003393

Derek Shirley

Independent Financial Adviser

I have worked in Financial Services since 1992, having held positions with major UK institutions including AXA, Lloyds TSB and The Royal Bank of Scotland.

Throughout that time I have been able to provide advice to many satisfied customers and have received numerous referrals as a result.

I advise on many areas of financial planning including protection, investment, retirement and inheritance tax mitigation. Not all IHT mitigation is regulated by the FCA.

I am a member of the Chartered Insurance Institute and hold a Diploma in Financial Services.

Telephone: 0141 354 1535
07949 472888

Michelle Fotheringham

Administration Support

I have 10 years' experience working within Retail and Private Banking.  I began working with the Partners and Advisers of AWMS in the IFA sector in 2011 from which time I have provided them with key administrative support. 

I have dealt with both personal and corporate clients and have a good knowledge and understanding of each scenario that may arise.

I have built up strong relationships with the various product providers which I consider invaluable as it enables me to provide answers to queries, needs and requests in a timely manner.

Meeting and exceeding client's expectations and providing excellent customer service is at the heart of everything I do which I believe is very important.

Tel: 0141 354 1535

Donna Collins

Administration Support

I have recently joined AWMS after working within the financial services sector over the last 14 years', with the last 10 years working as a Mortgage Adviser with Lloyds TSB.

In my previous roles I have had experience in conducting meetings with clients and fulfilling their needs, circumstances and completing administrative duties to ensure an exceptional client service.

I joined the AWMS team quite recently to assist the advisers in their job of providing financial advice, as well as any administrative duties, ensuring deadline are met in a timely manner.

My background has given me the knowledge and expertise to maintain strong relationships within the team and our existing clients.

In addition to this I have built up strong relationships with the providers we use, which is key in ensuring our clients' interests are continued to be looked after. These relationships enable me to communicate with the providers for our clients, and to make things a little bit easier for them.

I believe at AWMS we have the right people doing the right jobs, to ensure our clients are of the utmost importance to us and always receive a very personal and comprehensive level of service, from the very first step of their journey with us.

Tel: 0141 354 1535

Contact Us

Advice & Wealth Management Solutions LLP
272 Bath Street
Glasgow G2 4JR

Tel: 0141 354 1535
Fax: 0141 354 1536

Financial News


  • My adviser spent a great deal of time asking us questions to ensure he fully understood out financial situation and our expectations for the years ahead. He used that information to devise a suitable plan for our investments.

    Steve, Medical Illustrator

  • AWMS made it all seem so easy and provide an excellent service. I cannot recommend them highly enough.

    D McLaughlin, Glasgow

  • AWMS has looked after my investments for a number of years and I have no problems in recommending them to others. They have always been very professional and helpful and they contact me on a regular basis to review my investments. I have also uses them for advice on investments for my grandchildren.

    Gavin, Company Owner

  • I have held various investments via my bank for a long time and had lost track of what I had as they had stopped providing any ongoing advice. AWMS spent a long time writing to companies and finding out where I stood. They put in place a new plan paying me a monthly income and I am delighted to have the weight off my mind.

    Mrs. E Beattie, Falkirk

  • AWMS have proved to be very able and efficient in our dealings with him in regard to savings and investment planning. They also demonstrated a flexibility in dealing with our specific circumstances I.e. Residing on a remote Scottish island where travel and communication can prove problematic. For example, they flew to a neighbouring island for our initial meeting with him.

    Mr C Stevenson, Retired

  • I have been relying on the professional services and expert advice from AWMS for many years. The financial advice and strategies to manage wealth have been outstanding. The advisers are knowledge experts with an in-depth competence about all aspects of investing, pension and wealth planning.

    Dr M Marck, Retired

  • The AWMS adviser has been our IFA for over 15 years and he has always provided sound financial advice and guidance with our investments in all that time. The service has been excellent, whether through regular investment reviews which provide you with detailed levels of information about each of your investments, or just the fundamental requirement for general financial advice.

    John & Edith, Retired