Money and Wealth under Biblical principles

Who does what in ACFA

ACFA is run by the membership who appoint an Executive Chairman to facilitate the organisation. At the present time the Chairman is Charles Matthews.

The Treasurer for ACFA is Norman Maclennan.

Cathy Cleveland is the ACFA Administrator who can be contacted by clicking here

ACFA Profiles

Charles Matthews - Chairman

Charlie lives and works in Guildford and is married to Esther.  They have 4 grown up boys from age 21 to 27.  
After helping with a church plant in Reading for a number of years they finally made the move to Guildford about 20 years ago and are now attending Millmead Baptist Church.  

Charlie started his investment carrier straight out of university as a broker consultant for, what was then, General Accident.  He then worked for Sage Financial Services as their Pensions Manager and IFA and in 1995 joined forces with David Messer to set up Messer & Matthews Ltd.  David has since retired, and Charlie is now the sole IFA along with 3 administrative staff.

With regard to qualifications, Charlie has a degree in Economics and is a Fellow of the Chartered Insurance Institute and also a Fellow of the Pensions Management Institute.  Charlie is also a Chartered Financial Planner.

To keep fit Charlie runs around 16 miles most weeks and swims a further two miles which, along with cycling to and from work keeps the heart ticking over and whenever Charlie gets a free moment you will find him looking skywards as he loves to Paraglide, though the UK weather is often less than cooperative!



Norman MacLennan - Treasurer

Norman lives in Glasgow and has been married to Mayrine for 20 years and they’re blessed with a 16 year old son and a 12 year old daughter.

Norman and Mayrine are members of Glasgow Reformed Presbyterian Church of Scotland, where his family enjoy an active involvement.

Norman became a financial advisor in 1993 with Royal Life, which later became Royal Sun Alliance, and also worked with Legal & General, before becoming an IFA. He now works with McLeod Ross Ltd, a firm of Glasgow based Chartered Financial Planners. As well as working around the Glasgow area, Norman also has many clients in the Scottish Highlands & Islands, which can mean lengthy car journeys but also offers a welcome break from the city.

Away from his work and church life, Norman seems to spend most of his leisure time as a taxi service for his busy children but squeezes in visits to the gym and enjoys walking his dog by the canal near his home or out in the Scottish countryside.


Norman MacLennan.jpeg

Colin Low

Colin lives in rural Suffolk, has been married to Mel for 28 years and they have three children aged between 13 and 22.

Colin and Mel attend Cedars Church which meets in a Primary School in Stowmarket.  They were founder members as it formed from a church plant in 2008 and have been involved in various ministries over that time.

Kingsfleet Wealth was started by Colin in 2010 having worked in finance and money since leaving school in the late 80s.  He has always been a little unusual having asked for shares for his 18th birthday and travelling to the Stock Exchange on the day of the Big Bang in 1986.

Colin is Chartered and obtained a Master’s Degree in Financial Planning in 2013.

He is chair of the Board of Sizewell Hall, a Christian Conference Centre on the Suffolk Coast, keeps bees and tries to go running whenever he can.



David Chamberlain

David lives in Tooting in South West London and is married to Erin. They have a son aged 8 and two daughters aged 6 and 3.

David and his family attend St Nicholas Church in Tooting, an evangelical Anglican church, where they have been members for around 16 years. David oversees the children’s and youth work at the church in a voluntary capacity and is also a member of the church council.

David started his career as a broker consultant at NPI, followed by a similar role at Friends Provident, before joining Aviva, where he managed a team of eight in the South East Region. After a short stint at Rowanmoor after leaving Aviva, David joined up with two ex-colleagues from Friends Provident to take over Qi Financial Solutions from the retiring business owner. The business currently has six advisers and four support staff.

At university, David studied Mathematics and Statistics. He is now a Chartered Financial Planner and Fellow of the Chartered Insurance Institute. He is also a Society of Later Life Advisers (SOLLA) accredited member.

Outside of work David enjoys spending time with his three young children that keep him very busy! He also enjoys watching most sports and is still active on the football pitch and tennis court.


David Chamberlain.jpeg

Elizabeth Mackenzie

Elizabeth lives and works in Winchester and has two daughters, aged 16 and 19. She is an active member of Hope Church, Winchester.

After university, she joined TSB as a management trainee and in 1991, became a financial adviser. Her firm, Grange Financial Panning Ltd. was set up in 1999.

Her leisure time is usually spent walking or running with her dog or friends or both.


Elizabeth Mackenzie.jpeg

Angus McCrum

After marrying the love of his life in South Africa, Angus moved to Norwich in 1990 where they worked together in a Christian Ministry for 7 years. Feeling the need to broaden his skills, Angus went back into education to complete an Engineering degree at UEA.

However, like many of us, Angus grew up not understanding money. It came in and went out but more than this was a puzzle to him. Through several years employment in IT and working with financial systems, he became more interested in the ‘How…?’ of money.

After being made redundant, Angus trained as a Stockbroker and Financial Adviser with Edward Jones in 2008 – in the middle of the Credit Crunch. Armed with his new-found knowledge and experience, and with his drive to help others, Angus went to work building a business to provide a holistic service to those who found themselves in a similar situation to him.

8 years later, he launched his own holistic financial planning and advice business to residents, entrepreneurs and business owners in Norwich, London and sometimes beyond – including providing holistic planning for US citizens resident in the UK.

He loves to understand the life his clients have, and how their money ‘breathes’ before reflecting their situation back to them giving his clients the information and detail they need to make well informed decisions. He finds his clients have greater confidence in making wise decisions while being good stewards of the money they have been blessed with.

Now with 3 amazing children, Angus and his wife enjoy life’s journey with an ever-growing family.  
He is also living one of his dreams as a growing avid cyclist. Riding for charity when he can, Angus has joined the ranks to complete several sportives – some of which have taken him through the 100-mile mark.