John joined Credo as an independent investment partner in February 2018. He has over 18 years' experience managing high net worth clients and investment portfolios across various strategies and risk profiles. Prior to joining Credo, he was a Director at Coutts & Co and worked as a Wealth Manager in the executives� team. He also worked for the RBS group as a Senior Private Banker covering banking, investment and financial planning. John is certificated by Credo and is a member of the Chartered Institute for Securities and Investment. He holds the Private Client Investment Advice & Management (PCIAM) qualification along with the Financial Planning Certificate (FPC).