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Tel: 01387 267523


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Our People

Our people are very important to us, as is making certain we provide you with the best possible professional financial advice. Below is a short biography for each of our colleagues together with their contact telephone number. For further contact details please see our "Contact Us" page.

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John A C Coutts Cert CII, DipPFS, Partner
Tel. 01387 267523, Email.
John joined Annandale Financial Services in 1991 from Scottish Amicable after joining the life assurance industry in 1983.

Having been a keen badminton player (now past it Im afraid) this more energetic sport has been set aside for an avid passion for golf and although there is never enough hours in the day, when the sun shines, he tries hard not to spoil a good walk.

Music and Computers take up time as other interests and in business he strives to maintain the success of Annandale Financial Services to ensure his clients interests are looked after.

Qualifications include the Diploma in Financial Planning, The Financial Planning Certificate, Certificate in Mortgage Advice, Certificate in Equity Release, Certificate in Life and Pensions and the Pension Transfer Specialist qualification (G60)
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Roland Proudlock Cert Pfs DipPFS, Partner
Tel. 01387 267523, Email.
Dumfries born Roland began his financial services career in 1985 as a Prudential Agent and was quickly promoted to Section Manager with the society at its Ayr Branch.

A Consultant post with Standard Life brought him back to Dumfries and it was through this that he came into contact with Annandale Financial Services which he joined in 1995, becoming a partner a few years later.

Roland is a family man and tries to bring an element of enjoyment into everything he does. With numerous interests there is rarely a dull moment in his life and he lists among his hobbies, competing in motor sport, balanced by more sedate activities such as gardening and water colour painting.

His qualifications include certificates in Financial Planning, Mortgages, Equity Release and Home Reversions. He also believes that a good listener makes a good adviser.
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Graeme Reid BSc Cert CII, DipPFS, Partner
Tel. 01387 267523, Email.
Graeme joined Annandale Financial Services in 1999 becoming a Partner with the Firm in 2004.

Prior to joining Annandale Financial Services his role was that of Financial Adviser with General Accident responsible for the Dumfries and Galloway Region. Graeme was awarded the Financial Planning Certificate in 1996 by the Chartered Insurance Institute and provides independent financial advice to clients on all financial matters specialising in mortgages, life assurance, investments, retirement planning and income protection.

Living in Dumfries gives Graeme the opportunity to participate in a large number of other interests including football and music with the rest of his time spent walking and cycling with his wife Alison and three children, Laurie, Anna and Lewis.

Based in the Dumfries office, Graeme also covers the Wigtownshire area on a weekly basis.
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Fiona Gallacher BA(Hons), APFS, Chartered Financial Planner, Adviser
Tel. 01387 267523, Email.
Fiona Gallacher has worked in financial services since 1993. She joined Annandale Financial Services in 2004 after spending 7 years as an Independent Financial Adviser with a large regional building society.

Fiona is an Associate of the Personal Finance Society and a Chartered Financial Planner. She deals with all areas of personal financial planning.

Fiona enjoys travelling and has recently spent holiday time in more exotic areas of the world such as Peru and Madagascar.

An animal lover, she can lay claim to having had several unusual pets in recent years possibly too numerous to mention here.
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Neil Coutts Cert CII, Dip PFS, BA (Hons), Adviser
Tel. 01387 267523, Email.
Neil joined Annandale Financial Services in 2009 as a trainee advisor having previously worked at Standard Life.

His interests include attending music festivals, snooker and travelling amongst many other activities which are too many to list.

His qualifications include a Higher National Diploma in Financial Services, BA (Hons) Degree in Financial Service, the Diploma in Financial Planning, the Pension Transfer Specialist Qualification AF3, Senior Management and Supervision Qualification AF6, Retirement Income Planning AF8 and Certificates in Financial Planning, Long Term Care Insurance, Equity Release, Mortgages and Life & Pensions.

Neil is currently studying towards obtaining the Advanced Diploma in Financial Advice