ANDREW FERGUSON BRUCE
Glasgow
Summary
An experienced hard-working relationship manager with a proven track record of building mutually productive internal and external relationships. A strong communicator, who can simply explain technical issues /roadblocks so that they may be understood and overcome. I especially enjoy working with colleagues and as part of a team so that we may meet and exceed our goals. I am commercially aware and have experience of leveraging business opportunities for growth.
Overview
26
26
years of professional experience
1
1
Certification
Work history
Head of Pensions
My Payroll Solutions
2017.03 - 2026.03
- Led and managed Client relationships clients using our preferred provider Smart Pension to ensure full engagement.
- Oversee and manage the relationship with our preferred provider (Smart Pension) for our 30,000+ pension scheme members.
- Delivered high-quality results by overseeing multiple projects simultaneously.
- Influenced positive change by effectively managing organisational culture shifts.
- Manage full onboarding of new employer schemes, including provider switching, compliance checks, and payroll integration.
- Ensure all clients meet statutory requirements and achieve full compliance at relevant staging and re-enrolment dates.
- Deliver training and education to employers and employees to improve pension understanding and engagement.
- Work closely with internal teams to streamline processes and enhance client satisfaction.
Independent Financial Adviser
Philpott Reed LLP
2014.01 - 2016.02
- Provided specialist pension and retirement planning advice to business and personal clients.
- Ensured all reports, recommendations, and documentation met FCA standards.
- Expanded client base through referrals and active relationship management.
- Maintained up-to-date technical knowledge through exams, CPD, and regulatory training, ensuring compliance at all times.
- Completed administrative tasks meticulously maintaining high levels of accuracy in records and reports.
Associate Partner
Beatha Wealth Management (AFS)
2012.11 - 2014.01
- Delivered tailored financial planning and pension advice to individual clients.
- Produced fully compliant suitability reports and documentation.
- Built and maintained an active client base through referrals and regular reviews.
- Maintained up-to-date technical knowledge through exams, CPD, and regulatory training, ensuring compliance at all times.
- Completed administrative tasks meticulously maintaining high levels of accuracy in records and reports.
Financial Planning Manager
Royal Bank of Scotland
2006.01 - 2012.01
- Provided full financial planning solutions including pensions, investments, and protection.
- Achieved and maintained Risk Rating 1, demonstrating exceptionally strong compliance and suitability standards.
- Built relationships with internal introducers to support business performance and client engagement.
- Deputy Area Manager, supporting team leadership, coaching, and overseeing sales campaigns.
- Served as Quality Assurance Champion, conducting file checks and training new advisers.
- Completed administrative tasks meticulously maintaining high levels of accuracy in records and reports.
Personal Financial Adviser
Halifax Bank of Scotland
2000.01 - 2006.01
- Delivered regulated financial advice, primarily focused on retirement and long-term planning.
- Consistently met sales, compliance, and customer service targets.
- Maintained Risk Rating 1 and produced fully compliant advice documentation.
- Strengthened introducer relationships to create sustainable business pipelines.
- Maintained up-to-date knowledge of regulatory changes, ensuring compliance at all times.
- Completed administrative tasks meticulously maintaining high levels of accuracy in records and reports.
Education
Diploma In Regulated Financial Planning (Dip PFS) -
The Chartered Insurance Institute
RO6 - Financial Planning Practice -
The Chartered Insurance Institute
RO3 - Personal Taxation -
The Chartered Insurance Institute
RO2 - Investment Principles & Risks -
The Chartered Insurance Institute
RO1 - Financial Services Regulation & Ethics -
The Chartered Insurance Institute
CF2 - Investment & Risk -
The Chartered Insurance Institute
Financial Planning Certificate 1 -
The Chartered Insurance Institute
Financial Planning Certificate 2 -
The Chartered Insurance Institute
Financial Planning Certificate 3 -
The Chartered Insurance Institute
Skills
- Relationship management
- Communication skills
- Leadership and teamwork
- Compliance and governance
- Quality assurance
- Commercial awareness
- Process improvement
- Workload prioritization
- Business acumen
Certification
- Diploma Qualified – PFS
- Full FPC 1, 2 & 3
- CF2 certification
- R01, R02, R03, R06
- 20+ years’ Financial Services and Pensions experience
- Strong understanding of AE legislation, workplace pensions, and provider processes
- Experienced in scheme onboarding, compliance checks, governance, and member engagement
Timeline
Head of Pensions
My Payroll Solutions
2017.03 - 2026.03
Independent Financial Adviser
Philpott Reed LLP
2014.01 - 2016.02
Associate Partner
Beatha Wealth Management (AFS)
2012.11 - 2014.01
Financial Planning Manager
Royal Bank of Scotland
2006.01 - 2012.01
Personal Financial Adviser
Halifax Bank of Scotland
2000.01 - 2006.01
Diploma In Regulated Financial Planning (Dip PFS) -
The Chartered Insurance Institute
RO6 - Financial Planning Practice -
The Chartered Insurance Institute
RO3 - Personal Taxation -
The Chartered Insurance Institute
RO2 - Investment Principles & Risks -
The Chartered Insurance Institute
RO1 - Financial Services Regulation & Ethics -
The Chartered Insurance Institute
CF2 - Investment & Risk -
The Chartered Insurance Institute
Financial Planning Certificate 1 -
The Chartered Insurance Institute
Financial Planning Certificate 2 -
The Chartered Insurance Institute
Financial Planning Certificate 3 -
The Chartered Insurance Institute