Julian MelmothBA (Hons) CertPFS

Director of Finacial Planning

With over 25 years experience Julian has spent most of his career as an Independent Financial Adviser forming Cilbenrick Limited in 2004 and going on to develop our Financial Management Programme soon after, giving clients access to a unique step-by-step approach to their financial planning. Transparent and easy to follow, the Financial Management Programme has proved extremely popular with clients from all walks of life.

In August 2008, Cilbenrick re-located from the city centre in Swansea to the village of Southgate on the Gower peninsular where Julian grew up and still lives. Julian likes to spend most of his spare time with family and friends and looking after the smallholding on which he lives with Rhiannon and their two children, Sam and Anna.

julian@cilbenrick.co.uk

Rhidian ThomasBSc (Hons) DipPFS

Director of Investment Advice

Rhidian is responsible for Cilbenrick's investment advice. He has led the development of Cilbenrick's well-regarded and successful investment philosophy and strategy, through which clients' portfolios are diversified across a wide range of assets, in proportions appropriate to their investment objectives. Rhidian meets regularly with clients to review their portfolios and is pleased to meet prospective new clients to help them explore their investment options.

Rhidian began his career in financial services in 2002 following his graduation from Swansea University. He and his wife, Rachael, live in Cowbridge and are kept very busy by their two boys, James and Rowan.

rhidian@cilbenrick.co.uk

Fraser HuntLLB (Hons) CeMAP

Paraplanner

Fraser joined Cilbenrick as a Paraplanner in September 2015; he assists Julian in building clients' financial plans and also contributes to Rhidian's investment advice with his research and analysis.

Fraser graduated from Swansea University in 2011, and has previously worked in financial services in Llanelli and Chester. Outside work Fraser enjoys football and plays for his local Sunday League team, the Newton Inn. Since 2013 Fraser has lived in Mayals with his partner Joanna and their son Finley.

fraser@cilbenrick.co.uk