Meet The Team

Rob

Rob joined Beach in 1993 to establish and develop the Financial Advice division, enhancing the range of services available. Rob took full ownership of the Financial Advice business in 2009, when the Financial Advice and General Insurance divisions separated.

With more than 40 years of experience in the financial services industry, Rob has provided independent financial advice to a wide range of personal and corporate clients. His expertise spans pensions, investments, finance solutions, and protection planning.

Rob holds all relevant qualifications to Diploma level; he also holds specialist pension qualifications, enabling him to advise across all areas of pension planning.

In his spare time, Rob enjoys horse racing, steam trains and is a keen rugby fan, proudly supporting Scotland.

Max Dalziel

Max joined Beach in 2016 as a Trainee Financial Adviser and has since become a Director of the firm. He is a Diploma-qualified advisor as well as a Pension Transfer Specialist and is working towards Chartered status in Financial Planning.

Max enjoys building long-term relationships with clients and helping make financial planning feel clear, practical and less overwhelming. He works with both personal and corporate clients, with a particular focus on pensions, investments, protection and tax planning.

Away from the office, Max enjoys marathon running, playing golf and watching rugby,  usually with the same competitive streak he brings to his work.

Jo Smith

Jo joined the business in 2010 when the team consisted of just three people and has been an important part of its growth ever since. Over the years, she has built strong relationships with clients and helped shape the supportive, client-focused culture of the firm.

As Director and Office Manager, Jo oversees the day-to-day running of the office and leads the administration team, ensuring everything runs smoothly behind the scenes. Working closely with both clients and advisors, she helps deliver the high level of service and personal support that the business is known for.

Jo is passionate about financial planning and takes pride in making sure every client experience is professional, efficient, and welcoming from start to finish.

Outside of work, Jo enjoys spending time with her husband and son, as well as long walks with their cockapoo, Fletcher.

Lydia Padbury

Lydia joined Beach in 2024 and has quickly become an integral part of the administration team. In her role as Client Liaison, she is responsible for managing the advisors’ diaries and ensuring all meeting preparation is completed efficiently, helping appointments run smoothly from start to finish.

As a key point of contact within the office, Lydia is often the first voice clients hear when they call. Her friendly and professional approach, combined with strong organisational skills, ensures both clients and advisors are well supported at every stage.

In her free time Lydia enjoys beach walks, getting lost in a good book and spending time with friends.

Andrea Wellings

Andrea is a key figure within the administration team, having been with Beach since 2015 and is one of the firm’s longest-serving team members. As a highly valued and experienced member of the team, she plays a key role in supporting both clients and advisors.

Over the years, Andrea has built strong and lasting relationships with clients and is always on hand to assist with queries, providing a reliable and approachable point of contact. Her attention to detail and commitment to high standards help maintain the level of service clients have come to expect from Beach.

In her spare time, Andrea enjoys reading, getting creative with crafts, gardening, watching documentaries, and travelling.

Charlotte Dalziel

Charlotte joined the Beach team in 2025 as part of the administration team. Her main role is supporting our workplace pension schemes, acting as a key point of contact for scheme-related queries, helping to ensure employers and employees receive clear and efficient assistance, also overseeing the workplace pension contributions each month.

Her organised and proactive approach helps maintain a high standard of service across the team and contributes to the smooth delivery of client support.

When she’s not working, Charlotte can usually be found immersed in a fantasy book with her two Cavapoos by her side.

Bradlee Cloney

Brad joined the Beach team in 2024 as a Trainee Financial Adviser and is making strong progress towards achieving Diploma status, having already successfully passed two of his professional exams.

Alongside his studies, Brad plays an active role within the advice process, with particular involvement in report writing and cashflow planning. This hands-on experience is helping him build both technical knowledge and practical understanding of financial planning in real client situations.

Outside of work, Brad enjoys running, loves a good show about spies & crime and cannot resist a café with really good coffee and pastries!

Jennifer

Jennifer has supported the business since its inception and has played an important role in its development over the years.

Today, Jennifer focuses on supporting the business with client interaction at functions, helping to ensure events run smoothly and are delivered to a high standard.

In her free time, Jennifer enjoys socialising with friends, days at the races, Pilates classes, and spending time with her three much-loved dogs.