Malcolm is the founder of SFS Investments. He started the Company 20 years ago after working with Citibank for 13 years in Pensions and investments. He is a Highly qualified pension specialist which means he can advise in the complex field of defined benefit pensions (final salary) and can sign off on transfers. Malcolm has appeared a number of times on Asset TV and the NEST UK Road Show as a guest speaker discussing corporate pensions. David is married to Karen and have one son, Fraser. They live locally in Wishaw. Karen is a partner and Chartered Accountant in WDM Accountants based in Motherwell. Their son Fraser is a qualified Engineer. David and Karen are both members of their local golf club in Wishaw. David plays off a handicap of 7 and Karen 18. He is also a long-time fan of Motherwell Football Club. In David’s spare time he likes to play golf and spend time with his family.
