Invest Retire Protect Limited

David Innes – Founder and Director

David has 40 years of experience working within the financial services industry, specialising as a Financial Adviser for over 20 years and holds numerous financial qualifications including a Diploma in Financial Planning. After eight successful years as a financial adviser with Prudential Financial Planning, David was delighted to establish Invest Retire Protect, as part of M&G Advice in 2019. David aims to provide a professional service based on trust and this is embedded within all of the team at Invest Retire Protect. 

David is married and has one daughter. When not working his hobbies and interests include travelling, running and attempting to improve his golf.

Mark McCafferty – Director and Financial Planner

Mark has been a Financial Adviser for over 30 years and is a Chartered Financial Planner and a Fellow of the Personal Finance Society. After eight successful years as a financial adviser with Prudential Financial Planning, Mark was pleased to join Invest Retire Protect, as director and co-owner.  Mark takes pleasure in helping his clients to make the most of their financial resources to achieve their life goals and objectives. 

Mark is married to Suzie and has one daughter, Ariyah.  In his spare time, Mark enjoys spending time with his family as well as playing golf and watching football.

Stephen Manson – Financial Planner

Stephen joined Invest Retire Protect Ltd, in April 2022 and holds a Diploma in Financial Planning. Stephen has worked in the financial services sector since 2008, accumulating crucial knowledge and competence. He takes great pleasure in providing each and every one of his clients with customised financial planning. Stephen believes everyone has distinct financial goals and takes time to learn about his client to develop an appropriate financial plan.

Stephen enjoys socialising and playing football in his spare time but above all enjoys life with his wife Amanda, and children Oliver, Amelia and Ariana at home or travelling experiencing new adventures as a family.

Dani-Rose O’Ryan – Financial Planner

Dani-Rose brings over 12 years of experience in financial services to her role as a Financial Adviser at Invest Retire Protect Ltd, part of the M&G Advice. She is passionate about helping clients navigate their financial journeys, providing expert guidance that empowers them to make informed decisions and secure their future. Dani finds great fulfilment in building lasting relationships and making a real difference in the lives of those she works with.

Outside of work, Dani loves spending quality time with her friends and family. She and her partner, Craig, share their home with Chester, a spirited 4-year-old cocker spaniel who keeps them both entertained and always on their toes.

Andrew Inglis

Andy lives in a small village called Balerno, just on the outskirts of Edinburgh. He has been in financial services for over 5 years in an adviser marketing role after completing an apprenticeship in sales support after leaving school, the experience in both roles led the path to wanting to become a financial adviser himself.

Alongside work in 2025 he completed the six exams to gain the CII Level 4 diploma in Regulated Financial Planning. 

In his spare time, he enjoys keeping fit by going to the gym and playing football with his favourite hobby being following Partick Thistle home and away every week.

Sharon MacKay – Office Manager

Sharon joined Invest Retire Protect in September 2026 as Office Manager. With more than 30 years in the pharmaceutical industry, mostly in Quality Assurance, she has experience of leading teams and working in a highly regulated industry where accurate data entry is essential.

Sharon lives with her partner Alex, daughter Rachael, and Sylvester the tuxedo cat.

Outside of work Sharon enjoys spending time with family, woodland walks, and cooking.