Keith Carby

Non-Executive Director and Chairman

Keith has enjoyed a long and distinguished career in financial services, first joining Hambro Life in 1981, which later became Allied Dunbar Assurance plc, where he progressed to Sales Director and then Managing Director before moving to be one of the three founders and Managing Director of J Rothschild Assurance (now St James’s Place plc) in 1991.

Keith co-founded the Financial Services Forum in 1997 (sold to Incisive Media in 2019) and served as Chairman and CEO of Inter-Alliance Group plc from 2002 before taking a role as Non-Executive Director of the Tenet Group in 2005. Later that year, Keith co-founded Foster Denovo Group plc, serving as Non-Executive Chairman until 2017. In 2007, Keith became CEO of Openwork, where he founded Omnis Investments. He also became Chairman of Affordable mortgage intermediary
Censeo Financial which remains the case to date.

In 2009, Keith went on to co-found Caerus Capital where he served as CEO, subsequently purchased by Intrinsic (now part of Quilter plc) in 2017. In 2018 he founded and acted as Chairman of AdAlpha Solutions, subsequently purchased by AJ Bell plc in 2021. He was also a founding Non-Executive Director of Metro Bank plc between 2010 and 2019.

In 2023, Keith became joint founder and Non-Executive Chairman of House, a new estate agent.

Keith joined Harbour Rock Capital as a Non-Executive Director and Chairman in October 2023.

Paul Dunne

Chief Executive Officer

After a degree in economics, Paul joined Inter-Alliance Group plc a graduate trainee in 1997, progressing to becoming a member of the senior management team ahead of its merger with Millfield Group plc.

In 2005, Paul cofounded Foster Denovo Group plc where he served as Regulatory and Commercial Director, including taking it through a management buyout in 2007 and leading on multiple acquisitions.

In 2009, Paul cofounded Sequel Investments for the Foster Denovo Group, an investment fund management business that grew from a standing start to £½ billion in assets by the time of his departure. Thereafter, Paul was CEO of a regional IFA business prior to joining Harbour Rock Capital.

Paul is a Chartered Financial Planner and investment manager and is a Fellow of the Personal Finance Society. He became CEO of Harbour Rock Capital in November 2022.

Chris Wood

Compliance Director

Chris is a career compliance specialist with experience across a wide range of retail financial services businesses joining Merchant Investors in 1990 and undertaking roles with HSBC, St James’s Place plc, Chase de Vere, Lloyds Bank, Barclays, Nationwide Building Society, Investec and Brewin Dolphin amongst others.

Chris was Chief Compliance Officer of Monmouthshire Building Society immediately prior to joining Harbour Rock Capital as Compliance Director in March 2023.

Azalea Gras-Velázquez

Finance Director

With over 14 years’ experience across practice and the financial services sector, Azalea has specialised in designing and implementing robust systems and controls that seamlessly integrate the finance function with other business areas.

Azalea has a degree in Mathematics, a masters in Managerial Finance, and a certificate in Finance, Accounting and Business. She joined Harbour Rock Capital as Head of Finance in January 2025 and was promoted to Finance Director in October 2025.

Jonathan Purle

Non-Executive Director

Jonathan is a seasoned regulatory consultant working with advisor, provider and corporate finance firms, on issues from strategy & governance through to product-technical. In recent years, he has variously acted as expert witness in the senior courts, local government leader and trade association secretary.

Jonathan joined Harbour Rock Capital as a Non-Executive Director in October 2023 and sits on the firm’s Regulatory Risk Committee.

Bradley Cooper

Chief Technology Officer

With over 13 years of experience in the financial services sector, Bradley has honed his expertise through roles in pensions and claims management companies. His career is defined by the seamless integration of finance and technology, driven by a deep passion for innovation and unwavering commitment to operational efficiency.

Bradley has been part of Harbour Rock Capital since its inception in 2017.

Donna Sutton

Head of Operations

With 12 years’ experience within Financial Services, Donna is an experienced operations and administration manager in the pensions and at retirement market with detailed knowledge of DB transfers, Pension Conversions and Pension Freedoms. Donna is familiar with managing multiple functions across a large complex business to deliver positive outcomes in a highly regulated arena.

Donna has been with Harbour Rock Capital since its inception in 2017.

Evie Di Nonno

Head of Existing Clients

Evie is a financial service professional who oversees the delivery of ongoing advice and services to all Harbour Rock Capital’s clients. She joined the retail financial services industry in 2015, working primarily in pension administration, progressing to management and then senior management roles.

Evie is a qualified Financial Adviser and Investment Manager, also acting as Secretary to the Investment Committee. She has been with Harbour Rock Capital since 2017.

Shannon Lee

Head of New Business

Shannon has 10 years’ experience in Administration within Financial Services, with 7 of those 10 years being in a management position. Prior to working in Financial Services, Shannon had experience in a high-demand customer service role.

Shannon has been with Harbour Rock Capital since its inception in 2017.

Shaun Blake

Financial Planning Manager

With over 9 years’ experience in financial services, Shaun is an experienced financial planning manager, financial adviser and pension transfer specialist with a strong focus on retirement planning and adviser development. He works closely with clients to build clear, structured financial plans, translating complex technical detail into practical advice that supports confident decision-making.

In addition to advising clients, Shaun manages and supports a team of financial advisers, overseeing their technical, personal and professional development. He is currently working towards Chartered Financial Planner status.

Ashley Fraser

Financial Adviser

Ash has gained a wealth of experience in financial services over the past 15 years. During this time, Ash has been an adviser for half of these years. Having worked for Harbour Rock Capital since its inception, his role has been client-focused by conversing directly and offering clarity to clients to help them understand their pensions and ultimately fulfil their retirement goals.

Diploma-qualified and currently studying for further advance qualifications in retirement planning, Ash is always keen to progress in the ever-evolving field of financial advice.

Crystal LeRoux

Financial Adviser

Crystal is a Diploma-qualified financial planner with nearly four years of experience. They provide clear, tailored advice to help clients make confident financial decisions.

Before moving into finance, they spent over a decade in hospitality, building strong communication, leadership, and customer service skills. Their background means they focus on trust, relationships, and delivering practical, straightforward financial advice.

Luis Hernandez

Financial Adviser

Luis is a Diploma-qualified financial planner with 10 years of experience in the financial services industry; he helps people make confident decisions about their money.

Luis is also qualified as a pension transfer specialist and discretionary fund manager. He supports clients with moving pensions, planning for retirement, and managing investments. He focuses on clear advice, careful planning, and building long-term strategies that help clients grow and protect their wealth.

Amanda Bubb

Financial Adviser

Amanda has over 30 years of experience in the financial services industry, beginning her career with Chelsea Building Society before moving on to Colonial Mutual. During this time, she developed a strong foundation in client-focused financial support, and further progressed to providing mortgage advice before transitioning to specialise in pension administration and advisory services.

She joined the Financial Planning Team at Harbour Rock Capital at its inception and currently works as a financial adviser helping clients make informed, long-term financial decisions through clear advice and trusted support.

Brandon Fulford

Financial Adviser

Brandon is focused on helping people gain clarity and confidence about their financial future. After a career as a police officer, he moved into wealth management, carrying forward the integrity, care, and responsibility that defined his service.

With three years’ industry experience, he is both a qualified financial adviser and discretionary fund manager who believes in building lasting, trusted relationships.