Peter Collier
Director of Sales & Marketing

Peter is Director of Sales & Marketing for WBR Group. He fell into pensions in 1997, after being invited to join the board of the company that looked after his SSAS, at the time he exited that business.

Since then, Peter has held senior roles in marketing, business development and strategy within wealth management. He was head of Marketing Strategy at the private bank, Brown Shipley from 2002 to 2012. As Business Development Director at Hurley Partners (latterly Mattioli Woods), Peter was responsible for intermediary and direct sales as well as working on significant corporate projects.

Being a SSAS client for over 30 years, Peter is fully conversant with the product’s benefits and operation. In his time in wealth management he was a regulated adviser and a member of the Securities Institute. He qualified as a Chartered Accountant ‘a long while ago’ and is therefore an FCA.

In his spare time Peter and his wife Melanie look after their small-holding, various animals and orchards, as well as acting as a chauffeur to his daughter! He is a lifelong Spurs supporter and also an avid golf & cricket watcher, and sometimes player.

David Downie
Chief Actuarial Officer

David left the sunny shores of Trinidad on a scholarship to pursue his education in the UK. He qualified as a Fellow of the Institute and Faculty of Actuaries and has accrued over 30 years of experience in Pensions & Actuarial Consultancy and holds the Scheme Actuary certificate.

A pioneer, he developed the defined benefit small self-administered scheme and designed and created WBR’s DB SSAS which has proved a very successful alternative to a traditional SSAS given the right circumstances. David also gives time to many pension and actuarial industry committees and working parties. He advises Trustee Boards of larger corporate pension schemes and funeral plan trusts and assists solicitors when pension splitting on divorce is required, including providing independent expert reports for the courts.

David continues to support the Soca-Warriors the T&T national football team and with his wife has set up a small Christian charity – Advent Worldwide – to provide financial help with gifts of love and compassion to individuals and for ministry training.

Jenni Harland
Director of SSAS Operations

As Director of SSAS Operations, Jenni Harland leads the WBR SSAS operation, driving strategic growth, operational excellence, and integration across multiple office locations. With over a decade of senior leadership experience, Jenni is able to manage large teams through significant change, deliver high-quality client service, and implement innovative operational strategies.

Jenni joined WBR in July 2021, bringing with her over nine years of specialized SSAS experience from a pension firm based in Leeds. Throughout her career, Jenni has managed an extensive portfolio of SSASs from inception to completion. This comprehensive exposure has honed her technical expertise across all facets of SSAS, equipping her to handle a wide array of complex cases with precision and efficiency.

Jenni is recognised for mentoring senior managers, optimizing business processes, and fostering a positive, high-performance culture. An advocate for efficiency, compliance, and customer-centricity, Jenni partners with executive leadership to scale operations, streamline services, and ensure the organization meets ambitious growth and quality targets.

David Santaney
Chief Commercial Officer

David has been involved with Small Self-Administered Pension Schemes (‘SSASs’) for over 30 years. He has a detailed knowledge of the operation, regulation and legislation surrounding all types of Pension Schemes, but in particular SSASs.

David’s main strengths are the ability to work closely with clients and their professional advisers at all levels and to ensure matters are completed on time within HMRC regulations. He particularly enjoys meeting with entrepreneurs, scheme members and their advisers to support them in maximising the benefits of SSASs for themselves, their businesses and families.

David is passionate about SSASs and the benefits they bring to business owners. He believes it is imperative to work closely with clients and their professional advisers to maximise those benefits.

David enjoys spending time with his family, travel (when allowed) visiting historical buildings, supporting Leicester City, and occasionally getting out on the Golf course.

Tim Smith
Director of Technical and Consultancy (SSAS)

Tim is Director of Technical and Consultancy at WBR SSAS. He has been involved with small self-administered schemes for 30 years having worked as a manager with various administration teams and as a consultant dealing with advisers around the country.

Working with advisers and clients on more complex cases as well as day to day issues that arise, Tim regularly attends trustee meetings with clients and advisers where his experience and knowledge make him stand out.

Away from work, Tim enjoys mostly watching sports these days although, he still tries to keep running albeit at a much slower pace than before.  As a keen astronomer and stargazer, Tim most definitely enjoys long-distance hobbies.

Caitlin Southall
Director of SSAS Transformation and Proposition

Caitlin is Director of SSAS Transformation and Proposition at WBR SSAS.

Caitlin started her career at Suffolk Life in the SIPP commercial property team, in a joint administrative and technical role, before qualifying as a Commercial Property Paralegal. Caitlin managed a large team responsible for the acquisition and disposal of commercial property. During this time, she spent time presenting to advisers across the UK on the merits of property investment in both SIPPs and SSASs.

After nearly a decade, Caitlin moved into the world of marketing at Curtis Banks, specialising in transformation and regulatory change projects, and communications.

Prior to her role as Senior Technical Marketing Manager at Nucleus Financial, she served as a Pension Technical Manager at Curtis Banks, where she was responsible for developing and managing pension products, providing technical support, and ensuring compliance with regulatory requirements.

Caitlin is also active in thought leadership, contributing to industry discussions on topics such as the gender pension gap and pension policy reforms.

She is also known for her industry expertise on pension issues, having contributed to various industry publications and podcasts.

Outside of work, Caitlin enjoys spending time with her family and following Ipswich Town. If there’s any time left after that, she enjoys playing and watching both cricket and golf.

Martin Tilley
Chief Operating Officer

Martin rose to be a Fellow of the Pensions Management Institute and has spent nearly all of his 39-year career advising on self-invested pensions.

He has held senior roles at specialist Self-Invested Personal Pension (‘SIPP’) and Small Self-Administered Pension Scheme (‘SSAS’) providers as well as at a wealth manager, fulfilling technical, compliance, and advisory functions.
He is a well-known industry spokesperson, writing and presenting education pieces and a former Chairman of the SSAS industry body: Association of Member Directed Pension Schemes (AMPS).

He particularly enjoys the forensic examination of complex SSAS cases and has a pragmatic approach to problem solving with a keen eye for detail. He believes that understanding the client’s needs are key to providing a bespoke service and that SSASs are “not a product.” Martin will often attend trustee meetings.

Outside of work, Martin enjoys his holidays near and far as well most sports, now mainly as a spectator.

Mark Plewes
Head of Pensions Technical

After graduating from the University of Cambridge in 2001 with a B.A (Hons.) in Geography, Mark held various roles in a small firm of financial advisers before making the switch into the world of self-administered pensions as a SSAS Administrator in the January of 2012.

Mark has a detailed knowledge of the operation, regulation and legislation surrounding SSAS and after a decade of servicing clients via different roles including Team Leader and Senior Technical Specialist, Mark moved into the Pensions Technical Team at WBR in July 2023 where he has put his strengths to good use.

Outside of work Mark likes to spend time outdoors with his family and can usually be found discovering new walking routes with his wife and Cocker Spaniel Freddie.