Justin’s first foray into Financial Services was in Australia in 1997 with Commonwealth Bank of Australia working predominantly in retail mortgage lending. He emigrated to Scotland in 2002 where he worked in broker consultant roles with both Scottish Widows and Scottish Life before spending a brief period as an Employee Benefits Consultant dealing predominantly with Auto Enrolment and associated business consultancy. Justin’s studied continuously since arriving on these sunny shores and holds the Advanced Diploma in Financial Planning including the CeMap and Lifetime Mortgage qualifications. Since arriving in Scotland, his primary focus has been pension planning and he holds the AF3 & AF7 qualifications as well as being a Fellow of the Personal Finance Society. Justin’s current role involves researching, building and presenting adviser facing CPD accredited presentations on a range of pension industry topics, as well as writing articles for trade press and providing thought leadership on industry issues. He’s an avid cricket fan, but as he lives in Scotland, no one seems very interested!