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 Colin Low.

The Treasurer for ACFA is Charles Matthews, a Financial Adviser in Guildford.

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

ACFA Profiles

Colin Low - Chairman

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.



Charles Matthews - Treasurer

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!



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.


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Norman MacLennan

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.

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