About Us

We are Lifestyle Financial Planners, here to help you answer the big questions you have about your money.

We are Iolaire Financial, a Chartered Independent Financial Planning Firm based in Auchterarder, with clients all over the UK. Since opening our doors in 2013, we have helped hundreds of families, and business owners with their finances.

Meet the team

Lynda Upperton - Director

I have over 35 years’ experience in financial services. I have worked mainly in banking in a variety of roles and covered most of Scotland throughout my career.

I have experience in all aspects of financial advice and can draw on this experience to help our clients.

Before Iolaire, I worked with Laura and Daley in previous jobs, so we have a strong working relationship.

Daley Smith - Director, Chartered Financial Planner

Originally from Ayrshire, I moved to Perthshire in 2006. I’ve worked in Financial services for over 20 years in various roles including Credit Manager, Bank Manager and Financial Adviser.

My qualifications include the Advanced Diploma in Financial Planning from the Chartered Insurance Institute (APFS) and the Certificate in Mortgage Advice & Equity Release (Cert CII (MP & ER) ). I am a Council Member of the Chartered Institute of Insurance (Perth and Dundee) and a member of the Personal Finance Society.

Laura McNiven - Mortgage Adviser

I was born in Bradford-on-Avon and moved to Edinburgh when I was seven, then to Perth when I was 16 and I’ve been here ever since.

My qualifications include the Certificate in Mortgage Advice and Practice (CeMap).

Ross Cramb - Financial Planner

I have worked in the industry for over 5 years since studying Computer Science. I hold a Diploma in Regulated Financial Planning issued by the CII, and am currently working towards Chartered status.