Charlotte's Biography

Charlotte founded Netwealth in early 2015. Having started her career at JPMorgan she spent 20 years at Goldman Sachs, serving as a Partner for 10 years. Her leadership roles spanned relationship management, marketing and product development in the Securities Division. From 2006 to 2011, Charlotte was head of Institutional Wealth Management and the Market Solutions Groups for Europe, Middle East and Asia in the Investment Management Division. From 2012, she explored the impact of digital technologies on a variety of industries before founding Netwealth in 2015.

Charlotte is a Vice President of Save the Children and a recipient of the 2015 Mary Lou Carrington Award for her work with Speakers for Schools. She is an active donor and supporter of overseas educational projects, including literacy in Bhutan and early childhood care and school-building in Uganda and Rwanda. Charlotte read modern languages at Bristol University and holds the CISI Private Client Investment Advice and Management qualification. Charlotte was recognised by PAM as one of the `50 Most Influential` in 2019, 2020 and 2021.

Thomas's Biography

Tom is a co-founder of Netwealth, with more than 20 years' experience in financial services, the majority spent at J.P. Morgan where he was most recently Managing Director and Global Head of Equity and Multi-asset Quantitative Investment Strategies. Tom joined J.P. Morgan as a graduate in fixed income in 1998. In 2000, he joined Goldman Sachs to work on asset-liability management for pension funds and insurers before sailing around the world and then re-joining J.P. Morgan in 2004.

From 2013, Tom worked at a start-up asset management company before teaming up with Charlotte to found Netwealth. Tom holds an MEng in Aeronautical Engineering from Imperial College and the CISI Private Client Investment Advice and Management qualification.

Gerard's Biography

Gerard joined Netwealth in May 2016. He is responsible for Netwealth’s macroeconomic outlook and strategy, and is a member of the investment committee. He was previously the Chief Economic Adviser to the Mayor of London, a role he took up in January 2013. Gerard spent 27 years as an economic strategist, and was Global Chief Economist at Standard Chartered between 1999 and 2012. Gerard’s first book, 'The Consolations of Economics', was a Daily Telegraph Book of the Year and was released as a paperback by Faber & Faber in June 2015.

He is a frequent commentator in the press and on television and he holds a number of advisory roles, including TheCityUK and Warwick University Business School. Gerard has an undergraduate degree from the University of Liverpool, an MSc in economics from the University of Warwick and a PhD in "Testing the efficiency of financial futures markets" from the University of London.

Iain's Biography

Iain joined Netwealth in January 2016 from UBS Asset Management to launch the Netwealth investment portfolios in May of that year. He leads the Netwealth investment process and holds ultimate responsibility for portfolio performance. At UBS he was an Executive Director and Senior Portfolio Manager in the Global Investment Solutions division. In addition to managing multi-asset portfolios totalling £2 billion, he was one of six voting members of the Global Asset Allocation and Currency Investment Committee which was responsible for more than £60 billion of assets under management, including for pension funds, charitable trusts, foundations, and high-net-worth individuals. He also led the team’s research across fixed income and selected alternative investment asset classes.

Prior to joining UBS in 2010, Iain spent 10 years at Schroders where he was a multi-asset portfolio manager for institutional and individual clients. Iain holds an MA in history from Edinburgh University and he has been a CFA charter holder since 2003.

Matt's Biography

Matt heads up the Client Advisory team and has over 10 years' experience in wealth management as a portfolio manager and financial planner. Prior to joining Netwealth in 2016, Matt was a Director and Portfolio Manager at Julius Baer and Merrill Lynch, advising and investing on behalf of high and ultra-high-net-worth clients. Matt read Economics at Durham University and is a CFA charter holder.

Rachel's Biography

Rachel joined as the first employee of Netwealth in June 2015 and is responsible for Operations and Client Service. Rachel spent over 14 years at J.P. Morgan where she was most recently Executive Director and senior leader in middle office operations for Equities. Starting her career as a graduate at J.P. Morgan in 1998, Rachel worked in a variety of operational roles across both Equities and Fixed Income before leaving in 2012. She then worked for two years at a start-up asset management firm before joining Netwealth. She has extensive experience of change management, controls implementation, operational oversight, and leading large-scale teams.

Rachel read History and French at Bristol University and holds the CISI Investment Advice Diploma.

Chris's Biography

Chris has over 20 years' experience developing and delivering software systems for the insurance, financial services and marketing industries. He started his career at Clerical Medical and then helped build Data Interface Ltd into a successful financial services software company.

Prior to joining Netwealth, he founded his own social media analytics company, Awedience. Chris's expertise covers a wide range of technologies including responsive design, scalable cloud architecture, security and development processes.

Chris 's Biography

Prior to joining Netwealth in March 2016, Chris was the CFO at Cambridge Place Investment Management LLP, a UK based alternative investment manager which managed $13 billion of assets at its peak, spread across private equity, real estate and structured credit investments. Chris started his career as a trainee chartered accountant with Arthur Andersen in 1998 in the Financial Services Division, before joining Deloitte in 2002 as a Manager in the Insurance and Asset Management Division.

He joined Cambridge Place in 2005 with responsibility for the fund structures and became the CFO of the group in December 2008. Chris read Economics at Durham University and is a Fellow of the Institute of Chartered Accountants of England and Wales.

Francisco 's Biography

Francisco has more than 15 years' experience in marketing and sales both at large organisations and start-ups. He co-founded the first online market research company in Iberia and successfully sold it to French group Fullsix in 2008. He then joined Samsung first at their headquarters in Asia and later in London to lead the company’s digital marketing agenda. Prior to joining Netwealth, Francisco was Chief Marketing Officer at Rentify, a London based start-up disrupting the property lettings space.

He is also an active start-up mentor in both the UK and Portugal. Francisco holds a degree in Economics from Lisbon’s Catholic University and an MBA from INSEAD.

Michael's Biography

Prior to joining Netwealth in January 2019, Michael was Compliance Director & MLRO at Henderson Rowe, a boutique Mayfair-based investment manager, and was previously Deputy Head of Compliance for Duncan Lawrie Private Bank. Michael started his career with the Burns Anderson Independent Network in Bristol, before relocating to London in 2005 and joining Brewin Dolphin. Following a successful contract role as Compliance Officer for the Private Wealth Management division at Kleinwort Benson, Michael joined Coutts and became an Associate Director in the Compliance Advice & Initiatives team. In 2013 Michael took a career break to travel the world with his wife before returning to the UK and setting up his own independent compliance consultancy.

He holds the International Compliance Association (ICA) Diploma in Compliance, along with professional qualifications with the Chartered Institute for Securities & Investment (CISI) and Chartered Insurance Institute (CII). Michael is a member of the ICA and associate member of the CISI.