Business Details
39 Years
experience
Trusted Chartered Financial Advisers in Perth
Established in 1987, we are Chartered Financial Planners dedicated to delivering independent, client-focused financial advice. Our team of qualified professionals combines decades of industry experience with cutting-edge technology to create tailored solutions for both private and corporate clients. We operate from offices in Aberdeen, Edinburgh, and Perth, maintaining the highest standards of professional excellence through our Chartered status. Our approach prioritizes long-term relationships built on trust, transparency, and a deep understanding of each client's unique circumstances. We specialize in retirement planning, investment management, protection strategies, and tax-efficient solutions, ensuring our clients achieve financial security and peace of mind.As an independent firm, we offer unbiased recommendations across the full spectrum of financial products and services. Our commitment to ongoing client education and proactive financial planning ensures our advice remains relevant through life's changing circumstances. We are authorized and regulated by the Financial Conduct Authority, with our expertise formally recognized through our Chartered Financial Planner designation. Our technical support team works alongside advisors to deliver comprehensive, evidence-based recommendations. Whether advising individuals on personal financial goals or businesses on employee benefits programs, we maintain the same rigorous standards of professionalism and client care.
Services
Retirement Planning
Investment Management
Life Insurance
Tax Planning
Mortgage Advice
Details
- Year established: 1987
Highlights and features
- We hold Chartered Financial Planner status, the industry's highest professional accreditation
- Over 35 years of continuous service since 1987 with experienced advisors in Scotland
- Personalized approach combining technical expertise with individual client understanding
- Authorized and regulated by the Financial Conduct Authority (Register No. 126147)
- Multi-office presence in Aberdeen, Edinburgh, and Perth for accessible service
Associations and certifications
- Financial Conduct Authority
- Chartered Financial Planner
Services
Retirement Planning
Our retirement planning service helps clients achieve financial security in their later years. We create personalized strategies considering current assets, future goals, and changing legislation. Our advisors use cash flow modelling to ensure sustainable income throughout retirement while optimizing tax efficiency and maintaining flexibility for life's changes.
Investment Management
We develop tailored investment strategies aligned with individual risk profiles and financial objectives. Our approach combines market analysis with risk management to build diversified portfolios. We regularly review investments to adapt to market conditions and personal circumstances, focusing on long-term growth and capital preservation through various economic cycles.
Life Insurance
Our protection services provide financial security for clients' loved ones and business partners. We offer comprehensive life assurance, critical illness cover, and income protection solutions. Our advisors assess individual needs to recommend appropriate coverage levels and policy structures that offer value while ensuring adequate financial safeguards are in place.
Tax Planning
We help clients optimize their financial arrangements through strategic tax planning. Our services cover income tax, capital gains tax, and inheritance tax mitigation. We implement legal strategies to maximize after-tax returns while maintaining compliance with current legislation and aligning with overall financial objectives.
Mortgage Advice
Our independent mortgage advice covers the entire market to find suitable home financing solutions. We assess clients' financial situations to recommend appropriate mortgage products with competitive rates. Our service includes whole-of-market analysis, affordability assessments, and ongoing support throughout the mortgage term.
People
Andy Kerr
Director
Andy brings extensive financial services experience to his role as Director. He oversees strategic direction while maintaining hands-on client relationships. His expertise spans investment management and retirement planning, ensuring clients receive technically sound advice aligned with their personal goals.
Richard Fletcher
Director and Chartered Financial Planner
Richard combines Chartered status with practical experience to deliver comprehensive financial solutions. As both Director and active advisor, he maintains technical excellence in pension planning and investment strategies while ensuring the firm's service standards meet regulatory requirements.
Douglas Baillie
Tax Planning and Wealth Manager
Douglas specializes in complex tax planning and wealth management solutions. His expertise helps clients optimize financial arrangements through legitimate tax mitigation strategies. He provides specialist advice on inheritance tax planning and intergenerational wealth transfer while maintaining compliance with current legislation.
Alan Hardie
Director and Chartered Financial Planner
Alan combines academic excellence (BSc Hons) with practical experience as a Chartered Financial Planner. He develops investment strategies and retirement plans while maintaining FPFS (Fellow of the Personal Finance Society) standards. His technical knowledge supports both client work and team development.
Greig Fowlis
Director and Financial Planner
Greig provides financial planning advice while fulfilling director responsibilities. His Dip PFS qualification demonstrates commitment to professional standards. He focuses on creating practical solutions for clients' financial challenges while maintaining the firm's ethos of personalized service and technical excellence.
Questions
What qualifications do your advisors hold?
All our advisors hold relevant financial planning qualifications, including Chartered Financial Planner status and Fellowship of the Personal Finance Society.
How are your services charged?
We provide transparent fee structures explained during initial consultations. Charges vary by service complexity and are agreed in advance with each client.
Do you offer one-time consultations or ongoing advice?
We provide both standalone financial reviews and ongoing advisory relationships, adapting our approach to meet individual client needs and preferences.
How do you select investment products?
We conduct thorough research across the market to recommend products matching clients' risk profiles, investment objectives, and time horizons with appropriate risk management.
Can you help with company pension schemes?
Yes, we specialise in corporate pension solutions including group personal pensions and workplace retirement plans tailored to business owners' and employees' needs.
What areas do you cover?
We operate from offices in Perth, Edinburgh, and Aberdeen, serving clients throughout Scotland with both in-person and remote advisory options.
Reviews (2)
View Balancer
Oct 08, 2021
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Desaram Suresha
Oct 08, 2021
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