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Board of Directors

Our staff is composed of a small, friendly and expert team.

PG Mutual is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are governed by a Board of Directors with extensive commercial and professional experience, which is itself answerable to our members.

Simon Whale BA (Hons)

Simon is the Managing Director and co-owner of Luther Pendragon, the leading corporate communications consultancy based in the City of London.

He has advised a wide range of clients in the financial services sector, including Aviva and HSBC. He worked with the Association of Friendly Societies for more than ten years, helping the organisation promote the benefits of mutuality to the government and politicians. This helped pave the way for a new, less restrictive legislative regime for friendly societies.

He has worked extensively with healthcare organisations, including those representing Pharmacists, Dentists, Optometrists and Opticians. His work with the pharmacy sector spans more than 15 years.

Gary Warner BSc (Hons), FRPharmS, MRI, FRSPH
Vice Chairman & Senior Independent Director

Gary is an active community pharmacist, working both in his own practice and at the PCT together with his representative roles at the LPC and PSNC. He is also a managing partner in Pinnacle Health Partnership which is championing the development of the roles of community pharmacists and embedding that role within the patient care pathways being developed in response to the changing needs of the population.

He qualified as an independent prescriber in 2008, specialising in the support and treatment of substance misuse and is currently Chair of the Clinical Redesign Group within the PCT, the General Secretary of Hampshire & Isle of Wight LPC and Chair of the Service Development Subcommittee of the PSNC. Gary was part of the team that won the Silver Medal at the Chief Medical Officer’s Annual Awards for 2010.

Mike Perry
Chief Executive Officer

Mike has over twenty five years’ experience in financial services, having worked with large corporate organisations as well as being a successful consultant within the Mutual sector. He previously held a variety of senior management and Board roles in Sales and Marketing with the Skipton Building Society Group. As a consultant, Mike worked with a number of Building Societies to assist in increasing business and staff development, within a regulated environment.

Mike joined PG Mutual as CEO in 2011, overseeing the rebrand of the business which resulted in subsequent business development across a wider professional market. This has, in turn, seen record membership figures achieved by the Society, and a substantial increase in assets. Mike was delighted to be nominated for the Hertfordshire Business Awards’ ‘Business Person of the Year’, and ‘Judges’ Award’ in 2013. Mike is a member of the Board of the Association of Financial Mutuals.

Deborah McFarlane, FCCA
Finance Director

Deborah McFarlane was appointed as Finance Director in January 2017. Deborah joined PG as Financial Officer in January 2013. She brings over 16 years’ experience to the Society overseeing all aspects of finance within the financial services sector.

Prior to joining the PG Mutual, Deborah worked for Communication Workers Friendly Society for 10 years and was instrumental in overseeing its transfer of engagements to Forester Life in 2011. She also worked for CS Healthcare as Director of Finance during 2012.

Deborah qualified as a Certified Accountant whilst working at Communication Workers Friendly Society as Head of Finance in 2009 and has held a number of senior finance roles both in the financial services and public sector since 2001.

Matthew Dreaper, BSc (Hons), ACMA, CGMA
Independent Director

Matthew runs Chilcomb Management Services, which has worked with private and professional investors to establish, fund and grow a number of early-stage businesses, primarily in the technology sector. He has raised £10m of funding to support the growth plans of these ventures and this has enabled the creation of over 40 new jobs.

Matthew qualified as a Chartered Management Accountant while working for Cable & Wireless PLC and went on to be the European Corporate Finance Manager for Hertz. He has been a Finance Director in various capacities since 2001, including 2 years as Group Finance Director of Nucare PLC, one of the UK’s leading independent pharmacy groups until its merger with Numark.

David Gulland
Independent Director

David has spent his whole career working in the life insurance market, both in the UK and overseas. He initially spent 25 years as a consulting actuary working for a wide range of insurers on issues such as financial management, product design, strategy, and mergers & acquisitions. This included a focus on both the mutual sector and on protection business.

David went on to be the Managing Director of RGA's UK reinsurance business until 2011 before taking on the role of Chief Risk Officer and then Chief Executive of Marine & General Mutual until 2015.

He is currently on the Independent Governance Committee of Royal London, the Board of the Investment and Life Assurance Group, and a Trustee to a number of charities.

Grahame Exton, LLB (Hons), ACII
Independent Director

Grahame has spent over 30 years in the insurance, finance and money management industries. After a brief spell in general insurance, he moved into fund management, working through from invest analysis to the management of insurance funds, pension funds, unit linked funds, private client and charity accounts and a broad range of other mandates on a discretionary basis.

Grahame has worked for a number of major financial organisations, including Legal & General, Halifax Building Society, Zurich Insurance, and Tilney Fund Management (part of Deutsche Bank Private Wealth Management). Through these, he has acquired a broad knowledge of stock markets, economies and asset management.