Andrew Macintyre
Director and Chartered Financial PlannerAndrew at work
I began my career just before the collapse of the tech bubble in 1999, at the height of the dot-com boom. It was a steep learning curve and a valuable one. I saw how quickly confidence can shift, how markets behave under stress, and how investors, myself included, react when things do not go to plan.
Since then, I have worked through every major market event of the past two decades. That includes the global financial crisis, the eurozone debt crisis, years of ultra-low interest rates, Brexit, the COVID-19 pandemic, the return of inflation, and the sharp rise in interest rates that followed. I have not only managed my own investments through those cycles, but helped hundreds of individuals, families, business owners and trustees navigate their financial lives through them too. Experience like that teaches lessons you will not find in textbooks. It sharpens judgement, shows the pitfalls to avoid, and proves that good financial planning is as much about behaviour as it is about numbers.
My qualifications include Chartered Financial Planner status, but technical expertise is just the starting point. My background covers pensions and tax planning with leading insurers, as well as investment management. Earlier in my career, I worked as an independent financial adviser and sat on the fund research and investment committee of a national advice firm. I was responsible for assessing, monitoring and selecting fund managers overseeing more than £1.3 billion in client assets. My own client portfolio at the time exceeded £170 million, working with a diverse mix of individuals, SME owners, trustees and charities.
This breadth of experience means I bring both depth and perspective. I understand the detail - tax rules, investment structures, regulatory frameworks - but I also know how to apply that knowledge in the real world. Financial decisions do not exist in isolation. They sit alongside career moves, family plans, business challenges and long-term goals. My role is to help people make sense of it all, put structure around their decisions, and stay prepared for whatever comes next.
Good planning does not take control away from people. It gives them more of it. My aim is to help clients feel informed, organised and in charge of their financial direction, with a strategy that is robust, flexible and truly aligned to how they want to live.
Andrew at home
Setting up Macintyre Wealth Management coincided with a big lifestyle move for Andrew and family, away from the outskirts of Edinburgh, to live in the rural countryside near Perth that the family loves.
Outside work, you’ll find Andrew enjoying the outdoors around Aberfeldy and Pitlochry, fishing, sailing, or taking walks with the family dog.
He is an active member of Loch Tummel Sailing Club and likes to get out on the water whenever he can.
Andy is a keen cook who loves to entertain.
Andrew in the spotlight
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What was the first album you bought?
Dire Straits: Brothers in Arms
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What is your ‘go to’ dessert?
A Cheeseboard
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What's on your Spotify playlist?
It's ecelctic. From Modern Country to Trance and everything inbetween.
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What was your favourite holiday destination?
Safari in Botswana
Andrew’s qualifications
As a Chartered Financial Planner (CII) and a Fellow of the Personal Finance Society (PFS), Andrew is amongst the UK’s most highly qualified financial professionals. This is maintained through extensive continued professional development. See below to find out more information.
Chartered status:
I have been awarded the title Chartered Financial Planner by the Chartered Insurance Institute (CII). Chartered Status is the profession's gold standard for financial planners. It confirms that every Chartered Financial Planner has completed a suite of professional qualifications equivalent to a bachelor's degree. It also involves a commitment to continuing professional development and adherence to an industry standard Code of Ethics. You can view the Code at www.cii.co.uk/code.
I also received the Insurance Society of Edinburgh Award for Excellence in the Advanced Diploma in Financial Planning exams.
Accreditations:
Andrew is accredited by St. James's Place Wealth Management as a specialist in delivering Financial Education in the workplace and to young people in schools. Delivering generic financial education is a key part of our Corporate and Social Responsibility policy of “giving back”.
