David joined the financial service industry in 1984 and worked in direct sales and as an IFA for 12 years before moving into technical training and compliance consultancy in 1996. He is the author of several technical manuals.

David is an Associate of the Personal Finance Society, a Fellow of the Compliance Institute and a Fellow of the Chartered Management Institute.

Vicki has worked in the financial services industry for 13 years with 7 years compliance and T&C experience. She has gained experience from working with product providers, friendly societies and IFA networks.

Vicki is an Associate of the Personal Finance Society and holds the AFPC, CeMAP and CeRGI qualifications.

Diana worked for 22 years as a chief administrator in the private healthcare sector before taking a break in her career to have a family.

Diana coordinates and manages the disparate range of talents within Haven Risk Management.

Catherine is a Director of Compos Mentis (Training) Limited and has a career spanning more than 20 years in the financial services industry. She has seen the development and impact of regulation and undertaken a range of advisory and managerial roles. She is author of the Guide to Compliance and the Financial Services Compliance Toolkit.

Catherine lives and works in Thirsk, North Yorkshire.

Phil, a Chartered Financial Planner, is a Director of MPA Financial Management Ltd. He has worked in the life and pensions industry since 1988 and been an IFA since 1993. He specialises in complex pensions issues concentrating on transfers from occupational schemes and income drawdown. Phil has run revision courses for SOFA since 1998 and G60 Pensions and K10 Retirement Options and is the author of the CII's coursebook on K10. A SOFA Board member from 2002 to 2004 achieving SOFA's Associateship level in 2001.

To contact Phil, email phil.mcgovern@mpa.co.uk or telephone 01564 795997.

Michelle set up Harvey Jones Consulting after many years as an HR generalist in both the private and public sector. She gained extensive experience in change management during her time in Senior Management and uses her own experiences to help organisations through the process of change.

To contact Michelle, email info@mhj.me.uk or telephone 01452 750084 or visit her website www.mhj.me.uk