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Situated in the heart of the picturesque village of Cruden Bay, the Kilmarnock Arms boasts 14 spacious en suite rooms, restaurant, lounge and public bar just a short stroll from Slains Castle, the bea

Cruden Community Council Area covered and Members Cruden Community Council, part of the Peterhead South & Cruden Multi-Member Council Ward covers Cruden Bay, Hatton, Longhaven, Whinnyfold and the surrounding rural areas. It provides representation for this geographical boundary through a total of 12 members. Link to Aberdeen Council Website with information about the Community Council: http://www.ouraberdeenshire.org.uk/index.php?option=com_content&task=view&id=779&Itemid=1 Link to CrudenBay.net website with information on members and other general information: http://crudenbay.net/cccmembers.htm

Each and every Independent Financial Adviser in the UK has to meet a required standard in order to continue as an adviser after the end of 2011. I spent some time in 2010 studying for the qualification, and I am pleased to report that I can now use the letters DipFA after my name, which means that I have attained that standard. I now have access to virtually the whole market of financial products, and the only 'tie' I have is to my clients. The areas I would like to cover on a personal level are:- 1. Protection - Life, health, and home Insurance. 2. Pensions and retirement plans. 3. Investments 4. Savings 5. Mortgages and Loans On a business level, if appropriate, we would cover:- 1. Commercial Insurance / Professional Indemnity 2. Directors' and Employees Life Insurance 3. Healthcare and Income replacement for Directors and Employees. 4. Additional Capital Allowances. 5. Impending changes to Pension legislation (as from April 2012)