Julian Docherty Dip. PFS
Julian Docherty Dip. PFS, Director and Financial Adviser
Tel. 01761 415010 - Ext: 203
Email. julian.dochertywaterhousefa.co.uk
Julian’s experience in Financial Services stretches over 35 years and over that time he has built a reputation that sees him looking after the needs of a loyal client bank along with many new clients. Julian has recently taken a step back from the business as James has been dealing with the clients on a day today basis. However, for the foreseeable future, he will retain his Financial Adviser status and Directorship.
Liam Ring Dip. PFS
Liam Ring Dip. PFS, Financial Adviser
Tel. 01761 415010 - Ext: 210
Mobile. 07546 274248
Email. liam.ringwaterhousefa.co.uk
Liam qualified with a First Class Honours Degree in Business Administration from Plymouth University. After graduating, he worked for a large Accountancy and Financial Advisory practice where he gained an in depth and wide knowledge of the financial services industry. He is a qualified pension transfer specialist and, since joining Waterhouse Financial Advisers Ltd, his knowledge of Investments, Pensions and Trusts has enabled him to add to the comprehensive scope to the advice we offer.
James Docherty Dip. FA
James Docherty Dip. FA, Financial Adviser
Tel. 01761 415010 - Ext: 251
Email. james.dochertywaterhousefa.co.uk
James is a qualified Financial Adviser who has also gained a wealth of experience in the mortgage and protection market whilst working for one of the UK’s largest mortgage providers. This enables him to offer a full and comprehensive advice service to the clients of Waterhouse Financial Advisers Ltd. His aim is to provide a professional and friendly face to face advice service on all matters associated with financial planning.
Elizabeth Dennis Dip. PFS
Elizabeth Dennis Dip. PFS, Financial Adviser
Tel. 01761 415010 - Ext: 208
Mobile. 07749 206281
Email. elizabeth.denniswaterhousefa.co.uk
Elizabeth joined Waterhouse Financial Advisers Ltd in June 2005 as a Paraplanner, she then qualified as a Mortgage and Protection Adviser in 2008 and finally as a Level 4 Financial Adviser in 2017. She has built an excellent reputation whilst advising many clients on such matters as Retirement Planning, Investments, Pension Drawdown, Trusts and Inheritance Tax Planning.

Sam Knight Dip. PFS
Sam Knight Dip. PFS, Financial Adviser
Tel. 01761 415010 - Ext: 207
Mobile. 07394 503610
Email. sam.knightwaterhousefa.co.uk
Sam joined Waterhouse Financial Advisers Ltd in March 2016 after working in the General Insurance industry during the previous 3 years. Sam is a qualified Financial Adviser and Mortgage and Equity Release Adviser and has assisted clients in various areas including Retirement Planning, Investments and Trusts. On the mortgage side, he has assisted clients in all aspects of residential, buy-to-let and commercial mortgages (please note that commercial mortgages are by referral only) as well as Life Assurance, Critical Illness and Income Protection.
Paul Ring Dip. PFS
Paul Ring Dip. PFS, Director and Financial Adviser
Tel. 01761 415010 - Ext: 204
Mobile. 07394 503611
Email. paul.ringwaterhousefa.co.uk
Paul has been a professional Financial Adviser for 33 years. Recently, he has taken a step back from advising and is now concentrating on the running and management of Waterhouse Financial Advisers. However, for the foreseeable future, he will retain his Financial Adviser status and Directorship.

Lawrence Docherty
Lawrence Docherty, Mortgage and Protection Adviser
Tel. 01761 415010 - Ext: 209
Mobile. 07563 228412
Email. lawrence.dochertywaterhousefa.co.uk
Lawrence previously worked as a mortgage and protection adviser for a national organisation. During this time, he gained a great deal of knowledge regarding residential, commercial and buy-to-let mortgages and is now able to secure all types of lending with lenders throughout the mortgage industry (please note that commercial mortgages are by referral only). He has helped numerous families and individuals with their protection needs in areas such as life assurance, critical illness cover and income protection. Lawrence prides himself on being professional whilst at the same time being approachable.
David Dury
David Dury, Mortgage and Protection Adviser
Tel. 01761 415010 - Ext: 213
Email. david.durywaterhousefa.co.uk
Prior to joining Waterhouse, David worked for one of the UK’s largest mortgage providers. David is a highly experienced mortgage and protection adviser and has extensive knowledge regarding residential, commercial and buy-to-let mortgages as well as life assurance, critical illness cover and income protection (please note that commercial mortgages are by referral only). David always aims to provide our clients with the best solution and will always go the extra mile on their behalf.

Jacky Wolfe
Jacky Wolfe, Office Manager
Tel. 01761 415010 - Ext: 205
Email. jacky.wolfewaterhousefa.co.uk
Jacky runs the day-to-day side of the business such as managing finances, payroll, compliance and human resources and has extensive experience in office management, HR and administration. Having worked in both corporate and SME environments for a wide range of industries from pensions to public relations, she provides a broad range of skills and experience which contributes to the on-going smooth running of the business.

Lorraine Ring
Lorraine Ring, Director and Company Secretary
Tel. 01761 415010 - Ext: 205
Email. lorraine.ringwaterhousefa.co.uk
Lorraine has enjoyed the role of Company Secretary since the Company formed in 1998. Previously in charge of the day to day running of the business, Lorraine has taken a step back to enjoy more time with her family whilst still retaining her Director and Company Secretary duties.
Sarah Docherty
Sarah Docherty, Director
Tel. 01761 415010 - Ext: 201
Email. sarah.dochertywaterhousefa.co.uk
Sarah has provided various roles within Waterhouse over the years more recently as a Director and Personal Assistant to her husband, Julian, as the business increased in size. She has now taken a step back to spend more time with her family whilst still retaining her role as Director.
Tracy Bidwell
Tracy Bidwell, Finance Administrator
Tel. 01761415010 - Ext: 212
Email. tracy.bidwellwaterhousefa.co.uk
Tracy joined Waterhouse Financial Advisers Ltd in November 2017 and has worked in the Financial and Banking industry for many years. She has a wealth of knowledge regarding the administration of Mortgages, Protection, Pensions and Investments. The high level of organisational skills she brings to our team adds a further degree of professionalism to our administration department.
Martha Hitchens
Martha Hitchens, Finance Administrator
Tel. 01761 415010 - Ext: 201
Email. martha.hitchenswaterhousefa.co.uk
Martha joined Waterhouse Financial Advisers Ltd in January 2017, providing administration support to the Financial and Mortgage Advisers within the team. Martha brings a wealth of experience to her position, having previously held roles within accountancy, banking, fleet insurance services, FMCG and film & television production.
Gemma Collins
Gemma Collins, Mortgage Administration Support
Tel. 01761 415010 - Ext: 206
Email. gemma.collinswaterhousefa.co.uk
Gemma joined Waterhouse Financial Advisers in 2019 and provides administration support for our Mortgage & Protection team. Gemma brings a high level of experience and enthusiasm to this role and is always happy to go the extra mile to get the job done.

Debbie Higgs
Debbie Higgs, Building Society Manager
Tel. 01761 412980 - Ext: 211 (or option 3)
Email. bibswaterhousefa.co.uk
Debbie has worked in the Banking & Building Society sector for many years. She has a wide range of knowledge and experience and particularly enjoys making both our Waterhouse Financial Advisers Ltd and Bath Building Society customers feel welcome.

Caroline Tanner
Caroline Tanner, Building Society Manager
Tel. 01761 412980 - Ext: 211 (or option 3)
Email. bibswaterhousefa.co.uk
Before joining Waterhouse Financial Advisers Ltd, Caroline worked for Avon and Somerset Constabulary as an administrator. She brings a high level of enthusiasm to this role and enjoys meeting clients of both Waterhouse Financial Advisers Ltd & Bath Building Society.

Inheritance Tax Planning, Trusts, Buy to Let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.