People of IFAC

We sort the compliance for IFAs, Mortgage Brokers, Insurance agents, credit brokers and fund managers.

Our Team

We are an experienced team that seeks to provide the best service.


Charlie Palmer

Charlie started out with Allied Dunbar in Cheltenham in 1992, set up his own practice as an IFA in 1997, and set up the network Financial Ltd in 2003, that grew to £35m turnover before selling out to what is now Sanlam Financial. He bought IFAC in 2005 as the compliance consultancy to the network. The software we built since 2005 has always been developed in house, until spun out into separate company BAT in 2018.
Charlie is church warden of Whittington, has written several books, including Comply or Die, available on Amazon, and has a small farm in the Cotswolds.


John Downs
Compliance Director

John started his career with Lloyds, in Domestic Banking, then moved into Financial Services in 1987. He has worked with in a Tied, IFA and Network environment, with roles including Financial / Mortgage Adviser, Training & Development Officer, Sales Manager, Compliance Manager, Training and Competence Manager, Compliance and Oversight etc, before joining IFAC in January 2016 to head up the Compliance Support regime. Previous Employers include Aviva, Whitechurch, Paradigm, Sesame Bankhall & Online Partnership.
A keen DIY enthusiast, caravanner and musician, John continues to enjoy all these activities, but only partakes in the music scene part time now, having briefly been on the Bristol circuit for Jazz / Rock / Big Band / Classical as a Drummer / Percussionist / backing vocalist.


Alastair Frame
Compliance Consultant

After leaving university Alastair started with Bank of Bermuda (Isle of Man) in 1998, working in Investments and Settlements arena as well as corporate actions. Moving to Dublin he was involved with a project to centralise the banks European back office activities to Dublin. After nearly 3 years with Bank of Bermuda (Europe) limited he moved back to the Isle of man and spend the next four years working for Global Asset Management in their alternative investments and corporate Secretarial area. Meeting his wife and moving to London in 2008, he took on a role in the outsourced Account Management area for Bank of New York Mellon managing one of the UK’s largest Hedge Funds. Alastair has been with IFAC for 3 years.


Daniel Garabal
Head of IT


George Romero
Software Architect


Izabela Siestrzykowska

Izabela Siestrzykowska joined Sanlam Financial in 2010 and has qualified in accounts, and she also has a BA graudate degree.


Chidi Kalu
Compliance Consultant


Ken Baksh
Investment Director

Ken commenced employment as a trainee investment analyst in 1976 with Touche Remnant,a leading Investment Trust Group. He joined Legal and General Investment in 1987 as a senior portfolio manager and subsequently rose to the position of Head of European Equities, responsible for Life, Pension and Unit Trust portfolios worth over £1.2 billion. Since setting up his own investment consultancy in 2002, he has worked with a hedge fund, private clients, charities,stock brokers and IFA’s providing a variety of investment services. He is a Fellow of the UK Society of Investment Professionals. When not glued to Bloomberg or the Financial Times, he runs, cycles and plays the piano.


Niel Gavin
T&C Director

Niel started life as an RAF Regiment Officer and eventually came into the industry as a Corporate Consultant with Friends Provident. In his time he has worked in PEMA with some of the largest Private Equity houses, managed in-house DB and DC schemes for the likes of Lloyds Bank, ITN and Land Securities and been intimately involved in large pension scheme buy-outs and ETV projects. He lives in Cheltenham, has two children and is hugely involved in England Netball.


Nick Hall
File Checker

Nick works as team leader of the file checkers, who all work remotely, are all qualified, and share work according to skillset.

Nick is level 4 qualified, has worked as IFA, in mortgage packaging firms, in broker sales, and across several national networks. MAQ, CF7, R01-5, CF7, J11, JO5 Dip PFS


Georgina Foster

Georgina Foster joined Financial in 2005 and qualified as an IFA before becoming Director of Financial Ltd, and senior manager at Sanlam Financial Ltd. She joined in November as consultant.

Contact us

Any query? Don't hesitate and write us an e-mail or give us a phone call. We will be glad to assist you.

IFAC House, Unit 1.7,
Andovesford Business Park
GL54 4LB
01242 80 70 10