Janet’s chosen specialist area is Personal Finance but her real talent comes in understanding how products like mortgages and Credit cards work and explaining them in a manner that people really get.

Janet’s career has come full circle being back involved in Finance and Education. Her business life began with Lloyds Bank International, after which she spent several years working with worldwide companies, which involved taking the business to new markets, mainly across Eastern Europe and Africa, specialising in leadership, coaching and development and training. These skills now enable Janet to communicate effectively the complex world of finance.

Chris became interested in Financial services after a successful career in management and training outside of the industry with companies like Wickes and Acorn before qualifying as an IFA.

He developed a passion for coaching and mentoring both individuals and teams within those organisations and externally as a vocational coach with world leading Dale Carnegie organisation. The skills acquired now serve well to keep cfed delegates challenged and engaged.

When not working Chris enjoys travelling to new places or wandering around the Yorkshire Dales with Mrs R and the dogs.

Simon qualified as a solicitor in 1985. For the last 20 years he has run his own practice from his office in Thornton, near Bradford West Yorkshire. The arrival of Teams, Zoom and other video calling platforms has meant Simon can provide extensive support to users throughout the UK.

Simon brings his legal expertise and knowledge to the cfed camp on many occasions and particularly with the popular “How to Write a Will” session. Every session seems to bring new unusual questions to challenge Simon. Thanks to his extensive experience he not only provides the answer but he’s often able to expand and bring the session to life with real-life examples and anecdotes. This is always appreciated and enjoyed by all delegates.

When he’s not at work he enjoys family time with his two daughters as well as suffering the Pennine weather following Bradford Bulls Rugby team. Simon is also heavily involved in the local community helping out with projects such as Greenway and the new Bradford Live venue.

Ruby has experience in the Debt and legal field dating back to 2012. At cfed Ruby works with clients to explore practical solutions to deal with debt, maximise income, check benefits entitlement and manage budgets big or small. With a focus on simplifying the jargon and making options as accessible as possible in a no-judgement zone.
Ruby is also a qualified Allergy Coach, delivering sessions on Allergy Awareness within the workplace, covering areas such as your organisations legal duties, maximising retention and building an inclusive work environment.