Dave Downie is Technical Manager at Standard Life, focusing on the intricacies of pension, tax and family wealth transfer planning. He started his financial services career as a financial adviser before joining Standard Life where he has spent the last 14 years in technical roles. He has a special interest in tax legislation change and what this means for consumers and advisers. He is also a frequent press commentator on financial planning issues and a regular blogger. Dave is married with two young sons. Away from the office his main passion is football and he is involved in coaching at grass roots level, running a junior football team.Dave’s wide experience means he is well placed to support financial planners tailor solutions to their clients’ tax planning needs. Please note: The opinions, beliefs and viewpoints expressed by our contributing authors do not necessarily reflect the opinions, beliefs and viewpoints of unbiased.co.uk.