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David Airs

David Airs CeMAP®

David worked with Liverpool Victoria for 18 years and through various promotions through to Area Inspector for the North West, then became a self employed Financial Adviser and Mortgage Adviser working through companies such as Manulife, Premium Life and Legal & General via Premier Financial Management (PFM) based in Oxfordshire. Very soon he became known as 'Mr Legal and Technical’ through his understanding of the Regulation that was being introduced into the Industry. Of course, this meant taking and passing the Financial Planning Certificate in the 90’s and then CeMap by 31 October 2004.

By now PFM were 35 strong and as part of his Compliance Managerrole he had to train the new recruits. From then on, training became the number one focus to the extent that he wanted to do it full time. He left PFM (2009) to become a full time trainer with DNA training in Central London, training The Sales Process (BTEC Advanced Certificate) and CeMap.

His 40 years of industry experience is unquestionable. With the competition in this Industry fiercer now than it has ever been, David delivers expert training to enable students to pass the CeMAP exams to get into the Industry and invaluable information on how to survive in it.

David normally teaches on our weekday "fast track" CeMAP course.


Munawar Ahmad Malik M.Sc

Munawar Ahmad Malik M.Sc CeMAP®

Munawar Ahmad Malik is a CeMAP Trainer (Mortgages & Protection). He has CeMAP qualification from Institute of Financial Services UK. He holds a master’s degree in applied mathematics. He has successfully conducted more than three hundred CeMAP courses from 2007-2015 lecturing to over two thousand students. He specialises in interactive class room training, one-to-one sessions, and supports his students using Skype, email and group conference calls.

When teaching students his approach is to use presentations, group discussions, brain storming sessions, role plays, individual exercises, question answer sessions, case studies and finally working on mock papers. He has also taken time to complete PTLLS-Qualification to enhance his teaching style and techniques.

He started his career with State Life Insurance which is one of the largest life Insurance organizations in Southeast Asia. He gained promotion to sales officer, sales manager eventually progressing to area manager. He achieved a gold medal, recruitment trophy and various other awards.

He speaks three languages English, Urdu and Punjabi. He enjoys networking, interacting with people and working in multicultural environments.

Munawar normally teaches on our weekend CeMAP course.


Paul Davis

Betul Cuninghame

Betul is a Financial Adviser currently consulting for PayStream Accounting Services Ltd.
As an experienced Financial planner she advises limited companies of tax efficient ways of dealing with limited company profits, setting up company pension schemes and group insurance policies, advising on mortgages, IHT planning etc.
Betul holds the following IFS qualifications Level AdvDipFA (Level 6), AwPETR (Level 6), DipMAP(Level 4), DipFA (Level 4),CeLTCI (Level 3) CeRER (Level 3), CeMAP (Level 3).

Betul enjoys assisting students to attain their goals and as such, brings her practical working knowledge and experience of real life investment advice to support the excellent training package offered by Futuretrend. Students will benefit from her thorough approach to checking their coursework/factfind reports, advising them how they can improve their work and finding useful learning resources for them to understand complicated concepts better.


We are always on the lookout for experienced and fully qualified trainers so if you think you fit the bill please send your CV to info at CeMAP®123.co.uk

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