Business Details
14 Years
experience
Your Trusted Partner for Financial Planning Solutions
At Heard Hamilton Financial Planning, we bring decades of combined experience in financial services to deliver tailored, jargon-free advice. Our team of qualified professionals specialises in pensions, investments, protection, and retirement planning, serving clients across the Scottish Borders, Midlothian, and beyond. We prioritise understanding individual client needs to create practical financial strategies, fostering long-term relationships built on trust and transparency.Our commitment to community engagement and regulatory compliance ensures clients receive both expert guidance and ethical service. With qualifications including the Diploma for Financial Advisers and advanced pensions certifications, we combine technical expertise with a client-first approach to help individuals and businesses achieve their financial objectives.
Services
Pensions
Savings and Investments
Protection
Auto Enrolment
Mortgages
General Insurance
Details
- Year established: 2012
Highlights and features
- We offer 20+ years of combined experience in financial services
- Our team holds advanced qualifications from the London Institute of Banking and Finance
- We provide tailored financial plans based on individual client needs
- Our advisers maintain FCA-authorised status for regulatory compliance
- We combine technical expertise with jargon-free communication
Associations and certifications
- Financial Conduct Authority
Services
Pensions
Our pension services help clients save effectively for retirement through tailored strategies. We specialise in workplace pensions, auto enrolment compliance, and personal pension planning. With expertise in tax-efficient contributions and retirement income solutions, we ensure clients achieve financial security in their later years while maintaining FCA regulatory compliance.
Savings and Investments
We provide comprehensive savings and investment advice to grow your wealth over time. Our services include portfolio management, risk assessment, and diversified investment strategies. We focus on aligning investment choices with individual financial goals, whether for short-term gains or long-term capital appreciation, ensuring clients understand market risks and opportunities.
Protection
Our protection services safeguard clients against financial risks through tailored insurance products. We offer life insurance, critical illness cover, and income protection policies. We assess individual needs to recommend appropriate coverage levels, helping clients protect their families and businesses from unforeseen circumstances while maintaining affordability and comprehensive coverage.
Auto Enrolment
We help businesses comply with auto enrolment legislation through expert workplace pension scheme implementation. Our services include scheme selection, employee communications, and ongoing compliance monitoring. We ensure employers meet legal obligations while providing employees with suitable retirement savings options, including guidance on contribution rates and payroll integration.
Mortgages
Our mortgage advisory service helps clients navigate home financing options. We provide guidance on residential and buy-to-let mortgages, remortgaging strategies, and first-time buyer schemes. We assess affordability, compare lenders, and recommend suitable mortgage products with transparent information about interest rates, fees, and long-term financial commitments.
People
David Heard
Co-Founder
With over 20 years in financial services, David holds the Diploma for Financial Advisers. He specialises in retirement planning and investments, serving clients across Scotland and northern England. He co-founded the company in 2012 after working with national firms.
Julia Laverty
Co-Founder
Julia has advanced pensions qualifications from the Chartered Insurance Institute. She focuses on pre and post-retirement advice, bringing expertise in investment planning. She co-established the firm in 2012 after starting her career in 1999 with national IFA companies.
Stuart Rogan
Financial Adviser
Stuart offers independent pension and investment advice with 35 years' experience in financial services. He joined as an IFA in 2004 and holds the Diploma for Financial Advisers, specialising in Midlothian area clients.
Kay McCluskey
Paraplanner
Kay provides mortgage and protection advice while supporting IFAs as a paraplanner. She completed advanced qualifications with the Chartered Insurance Institute after joining in 2018, bringing expertise in mortgage advice and financial planning support.
Questions
What financial services do you specialise in?
We specialise in pensions, savings and investments, protection insurance, auto enrolment workplace pensions, and mortgage advice across the Scottish Borders and beyond.
How do you tailor financial plans to individual needs?
We conduct detailed consultations to understand your financial situation, objectives, and timescales before creating customised plans that align with your specific requirements.
Are your advisers qualified?
Our team holds advanced qualifications including the Diploma for Financial Advisers and Chartered Insurance Institute certifications in regulated financial planning.
What areas do you serve?
We primarily serve clients in the Scottish Borders, Midlothian, and northern England, with experience supporting clients across Scotland.
How are complaints handled?
We have formal procedures for prompt complaint resolution. If unresolved, you may contact the Financial Ombudsman Service for independent review.
