Business Details
16 Years
experience
Trusted Independent Financial Advisers in Perth
Established in 2010 by Alistair James Duffy, AJD Financial Services has built a reputation for delivering tailored financial planning and advisory solutions to individual investors and business owners. Our independent status allows unrestricted access to a comprehensive range of products and providers, ensuring advice is always aligned with client needs rather than institutional constraints. Based in Perth, we prioritise face-to-face interactions and maintain an open-door policy to foster long-term trusted relationships. Our approach mirrors traditional personal service values, akin to the local bank manager era, where clients receive one-on-one attention in a setting of their choice.We specialise in retirement planning, inheritance tax strategies, divorce settlements, and education expense planning, adapting our guidance as clients' circumstances evolve. Our offices in Perth's cultural quarter, housed in a historic building dating back to 1784, reflect our commitment to both heritage and modern financial expertise. As an FCA-authorised firm (reference 607609), we adhere to rigorous regulatory standards while maintaining a client-centric philosophy that prioritises transparency and no hidden fees. With over a decade of local service, we combine deep community knowledge with technical proficiency to deliver peace of mind through personalised financial solutions.
Services
Retirement Planning
Inheritance Tax Planning
Divorce Settlement Advice
Education Expense Planning
Investment Strategies
Pension Reviews
Tax-Efficient Investments
Estate Planning
Financial Health Checks
Long-Term Care Planning
Details
- Year established: 2010
Highlights and features
- We offer independent, unbiased financial advice with unrestricted product access
- Our team has over 14 years of local financial planning expertise in Perth
- We provide tailored solutions rather than generic financial products
- Our transparent fee structure includes no hidden charges
- We maintain long-term relationships through regular client reviews and updates
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
We create tailored retirement strategies considering current assets, desired lifestyle, and tax implications. Our approach combines investment management with pension consolidation to optimise income. Regular reviews ensure plans adapt to changing circumstances and regulatory updates.
Inheritance Tax Planning
Our specialists develop tax-efficient strategies to preserve wealth for future generations. We utilise legitimate exemptions and trusts while maintaining liquidity for current needs. Solutions are regularly updated to reflect legislative changes and personal circumstances.
Divorce Settlement Advice
We provide expert guidance on asset division and future financial security during divorce proceedings. Our analysis covers property, pensions, and income requirements to ensure fair, sustainable arrangements for both parties.
Education Expense Planning
We design investment strategies to meet future education costs, balancing growth potential with capital protection. Options include ISAs, bonds, and structured savings plans tailored to different time horizons.
Investment Strategies
Our independent approach selects investments aligned with risk tolerance and financial goals. We monitor markets continuously and rebalance portfolios to maintain optimal asset allocation across economic cycles.
People
Alistair James Duffy
Independent Financial Advisor
Founder of AJD Financial Services with over 14 years' experience in independent financial advice. Specialises in retirement planning and tax-efficient investments while maintaining a client-focused approach to financial solutions.
Questions
What areas do you cover?
We primarily serve Perth and surrounding areas in Central Scotland, with clients from both urban and rural communities.
Are you regulated by any official body?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA) under reference 607609.
How do you charge for your services?
We provide an initial consultation at our expense, with transparent fees discussed openly before any commitment.
What makes you different from other advisers?
Our independent status allows unrestricted product access, combined with a traditional personal service approach.
Do you offer home visits?
Yes, we provide face-to-face consultations either at our Perth offices or in clients' homes if preferred.
How often do you review financial plans?
We recommend regular reviews to ensure plans remain aligned with changing life circumstances and regulations.
