Business Details
26 Years
experience
Independent Financial Advisers in Galashiels
Lowland Financial has been delivering independent financial advice from our base in Galashiels since 2000. Our team of qualified professionals specialises in pensions, investments, and protection, combining over 50 years of collective industry experience to create tailored financial strategies. We prioritise client relationships through transparent communication and ethical practices, ensuring no hidden fees or charges. Our expertise extends across the Scottish Borders, with remote servicing options available for clients further afield. We maintain authorisation from the Financial Conduct Authority, demonstrating our commitment to regulatory compliance and professional standards. Our approach combines thorough financial analysis with ongoing support, helping clients navigate retirement planning and wealth management.We serve both pre-retirement and retired individuals, addressing complex financial challenges through bespoke solutions. Our reputation for excellence has been built through consistent client satisfaction, with most new business originating from personal recommendations. We invest in continuous professional development to maintain our technical expertise and adapt to evolving market conditions. Our office environment reflects our dedication to accessibility, with alternative meeting arrangements available for clients requiring additional support.
Services
Pensions
Investments
Protection
Mortgages
Retirement Planning
Details
- Year established: 2000
Highlights and features
- We offer over 20 years of local financial advisory expertise since 2000
- Our team includes FCA-authorised professionals with industry-recognised qualifications
- We provide transparent fee structures with no hidden charges
- We deliver tailored financial solutions based on individual client needs
- We maintain a strong reputation through client referrals and testimonials
Associations and certifications
- Financial Conduct Authority
What people say
Expert pension planning strategies
Bespoke financial solutions
Transparent fee structures
Personalised service approach
Clear communication style
Services
Pensions
We create customised retirement strategies addressing pension consolidation, tax-efficient withdrawals, and income planning. Our FCA-authorised advisers help clients navigate complex pension options while considering inheritance tax implications. We specialise in both pre-retirement and post-retirement pension management, ensuring clients maximise their retirement income while maintaining appropriate risk levels.
Investments
Our investment advisory service focuses on portfolio diversification and long-term wealth accumulation. We assess clients' risk tolerance and financial goals to recommend suitable investment vehicles. The service includes regular portfolio reviews and market analysis to ensure optimal performance. We provide guidance on tax-efficient investing through ISAs and other available structures.
Protection
We offer comprehensive protection planning covering life assurance, critical illness, and income protection. Our service ensures clients maintain financial security against unforeseen circumstances while balancing premium costs. We review existing policies and recommend appropriate coverage levels based on individual circumstances and family needs.
Mortgages
Our mortgage advisory service covers residential and buy-to-let financing options. We help clients navigate different mortgage products while considering their overall financial situation. The service includes remortgaging strategies and advice on mortgage repayment structures. We ensure recommendations align with clients' long-term financial objectives.
Retirement Planning
We develop comprehensive retirement plans considering income requirements, tax implications, and lifestyle goals. Our approach includes cashflow modelling and phased retirement strategies. We address state pension integration and tax-efficient withdrawal methods. The service provides ongoing support to adapt plans as clients' circumstances evolve.
People
David Nichol
Managing Director & Financial Adviser
With over 20 years' experience since qualifying in 2000, David leads our advisory team. He joined Lowland in 2020 and became Managing Director in 2022. His expertise spans pension planning and investment management, serving clients from our Galashiels office.
Ross Hutchison
Financial Adviser
Ross brings 20+ years of client servicing experience from St James Place Wealth Management. He joined Lowland in 2023 following the Sovereign Financial acquisition. His focus is on building long-term client relationships and providing comprehensive financial solutions.
Joe Fielding
Financial Adviser
Joe joined Lowland in 2024 with eight years' industry experience. He specialises in financial planning for clients' retirement needs. His background includes wealth management roles in Yorkshire before relocating to the Scottish Borders to join our team.
Rachael Dytor
Senior Administrator
Rachael has worked in financial services since 2008, combining administrative expertise with client support. She contributes to our operational efficiency while maintaining her literary career as a published author of psychological thrillers set in the Borders region.
Michelle Scott
Operations Manager
Michelle oversees our operational systems with extensive experience in IT and management. She joined in 2021, bringing valuable technical expertise to support our advisory services while managing our Tweedbank-based household with three dogs.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, protection, and retirement planning, providing comprehensive financial advice tailored to individual client needs.
How do you work with remote clients?
We offer fully remote client servicing through secure digital communication channels while maintaining our high standards of personal interaction and support.
Are your financial advisers qualified?
All our advisers hold industry-recognised qualifications like Dip PFS and maintain FCA authorisation to ensure professional standards.
How are your fees structured?
We operate transparent fee structures with no hidden charges, providing clear explanations of costs before delivering any financial services.
Can you help with retirement income planning?
Yes, we specialise in creating retirement income strategies that consider pension pots, tax implications, and long-term financial sustainability.
What areas do you cover?
We primarily serve the Scottish Borders region including Peeblesshire, Selkirkshire, and Berwickshire, with remote options available nationwide.
Reviews (3)
Graham Russell
Dec 22, 2021
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Graeme and Lowland Financial have looked after our investments, and given us financial advice, for apprx 20 years. During this period our funds have significantly grown well in excess of inflation, even during periods of international downturns. A highly recommended company *****
Andrew Poole
Dec 17, 2021
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Absolutely first class company. David is very professional, very thorough and very personable. We are a delighted client and would strongly recommend Lowland Financial to guide you through retirement planning and investing.
Ruth Ruthven
Dec 15, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Offer an excellent level of support, knowledge and advice, and the service provided is always of a very high standard. I have felt very much cared for as an individual by the staff there and the welcome and friendly approach they extend is always a joy.
Offer an excellent level of support, knowledge and advice, and the service provided is always of a very high standard. I have felt very much cared for as an individual by the staff there and the welcome and friendly approach they extend is always a joy.
