Janie Cunningham is a Senior Financial Adviser for WD Wealth Management. She qualified as a Financial Adviser in 2007 and has worked with corporate clients across Scotland helping them and their families achieve their financial goals.
Away from work, Janie is a proud fitness enthusiast and has earned several titles in her sport.
When and why did you become a Financial Adviser?
In 2007, at just 22 years old, I became the youngest person in my company to qualify as a financial adviser. I began my career with a major bank and over the course of four years, steadily progressed through the ranks. Eventually, I was presented with a choice: step into branch management or pursue further qualifications to deepen my expertise and focus on advising clients directly. For me, the decision was clear. I’ve always been passionate about building meaningful relationships and expanding my knowledge of the financial world. Advising allowed me to do both, pairing technical expertise with a people-focused approach to help clients make confident, informed decisions about their financial futures.
What training did you need to do?
Training in this profession begins with achieving a Diploma through a recognised institute, a qualification that lays the foundation across key areas such as financial regulation, taxation, investment principles, risk management, and financial planning. But earning the Diploma is only the first step. In an industry that evolves constantly, learning never truly stops. Each year, we commit to continuous personal development, ensuring we remain aligned with the latest standards, regulations, and best practices. Alongside this, many of us pursue further qualifications, with chartered status representing the ultimate milestone – a mark of expertise and dedication that reflects years of study, growth, and commitment to excellence.
What do you like best about being a Financial Adviser?
One of the most rewarding parts of my work is building lasting relationships with clients. Over the years, it’s been incredible to watch how I have been able to support not just their financial journeys, but the journeys of their families as well.
Do you dislike anything about your job?
Market volatility is rarely enjoyable. Aso, shifts in legislation (such as tax changes) can be equally challenging, although, these are realities we anticipate in our profession. What truly matters is adaptability: responding quickly, navigating change with confidence, and ensuring our clients are kept informed every step of the way. Clear communication and proactive guidance aren’t just priorities in these moments, they’re essential.
What time does your working day usually start and finish?
My workday often starts before I even step into the office. First comes a scroll through the news and social media, catching up on market shifts and global events that shape the conversations I’ll have with clients that day. After a brisk dog walk and a quick gym session, I usually arrive at the office around 8am. From there, the day unfolds dynamically, sometimes ending when I leave, sometimes stretching later depending on client needs and the pace of the markets.
Can you briefly describe what a typical day involves?
My days are usually spent meeting with clients or key business introducers, focusing on understanding what truly matters to them. Their goals, values, family, work, and retirement plans all shape the advice I provide, taking into account their income, financial situation, and tax considerations. From there, I work on crafting personalised solutions. At WD Wealth, our skilled team of paraplanners and support staff help turn these plans into clear, actionable strategies, showing clients exactly how we can help them achieve their financial objectives.
One piece of advice for anyone wanting to become a Financial Adviser?
Helping clients succeed starts with one thing: sincerity. When your intent is to genuinely make a difference, trust and rapport follow effortlessly.
What would you be if you weren’t a Financial Adviser?
I’m sure it would involve the fitness industry and supporting people with their health and fitness goals. Same but different.
Career highlight so far?
I’m excited to dive into this new chapter with Jillian Riddell and the team at WD Wealth Management – right here in our community! I get to build real relationships, help people reach their financial goals, and see the difference we’re making every day, right where I live.
If you had to sum up your job in one word, what would it be?
Fulfilling.
