Founder and Financial Adviser

With over 40 years of experience in the financial services industry, Howard Johnstone founded Johnstone & Co to deliver clear, independent advice built on trust and long-term relationships.

Throughout his career, Howard has guided clients through every stage of their financial journey, from building wealth and planning for retirement to protecting families and businesses against life’s uncertainties. His expertise spans pensions, investments, and general insurance, areas in which he continues to work closely with clients to provide practical, personalised solutions.

Known for his straightforward approach and deep technical knowledge, Howard remains as committed as ever to helping clients achieve financial confidence and security. His philosophy is simple: sound advice, tailored strategies, and genuine care for the people behind the numbers.

Director and Financial Adviser

Harry Johnstone is Director and Financial Adviser at Johnstone & Co, leading the firm’s advice across mortgages, protection, pensions, and investments. With over a decade of experience in financial services, Harry combines modern expertise with the same personal, client-first ethos that has defined the firm since its founding.

Known for his clear communication, strategic insight, and approachable manner, Harry helps clients navigate complex financial decisions with confidence. His goal is to make financial advice straightforward, transparent, and tailored, whether that’s securing the right mortgage, building long-term investments, or protecting what matters most.

Respected by clients and colleagues alike, Harry’s blend of technical skill and genuine care makes him a trusted adviser for individuals, families, and businesses throughout the region.

Head of General Insurance

Anthony Creed leads the general insurance division at Johnstone & Co, managing all aspects of commercial and personal insurance for a diverse portfolio of clients. With over 30 years of experience in the insurance industry and more than 15 years at Johnstone & Co, Anthony brings an unrivalled depth of knowledge, insight, and commitment to client care.

Beginning his career as an underwriter, Anthony developed a strong technical understanding of risk assessment and policy structure from the inside out. This foundation gives him a unique ability to identify the right solutions for each client, balancing robust protection with value for money.

Today, he works closely with businesses of all sizes and individuals alike, arranging tailored cover across property, liability, fleet, professional indemnity, and personal lines. His pragmatic advice, attention to detail, and proactive approach have earned him a reputation as a trusted adviser and problem-solver, particularly when clients face complex or high-value insurance needs.

Respected across the industry and valued deeply by his clients, Anthony is known for going the extra mile — ensuring every policy not only meets regulatory and practical requirements but genuinely protects what matters most. His professionalism, integrity, and dedication embody the service standards that define Johnstone & Co.

Head of Administration

With 39 years of experience in financial services, Toni Bull leads the administration team at Johnstone & Co, ensuring every aspect of the client experience runs smoothly from start to finish.

Toni’s depth of industry knowledge and meticulous attention to detail underpin the firm’s commitment to high-quality service and compliance. She plays a key role in supporting advisers, maintaining accurate records, and managing client communications all while keeping client care at the heart of everything she does.

Known for her professionalism, warmth, and dedication, Toni builds lasting relationships with clients and colleagues alike, ensuring that every client interaction reflects the firm’s values of trust, integrity, and personal service.