We are a firm of independent financial consultants. And we mean independent - we aren't part of a nationwide network and we don't want to be. We think this constrains some larger organisations and stops them putting you first.

Our total independence means we're free to search the whole market to find the solution that's right for you, regardless of who provides it.

Our directors have 40 years' experience in the financial marketplace and are extremely well qualified. Simply put - we know what we're talking about. And our clients like the way we do things. Many of them have been with us for years and a large proportion of our business comes through recommendations.

We have offices at either end of Scotland's Central belt. And we're happy to come and meet you in your office or home - whatever suits you. Of course, you can also reach us by phone or email

This web site is your first step. You can use it as a basic information-gathering tool. But your financial needs are unique and planning for your financial future is one of the most important decisions you will ever make. That's why we believe that we can only give advice once we understand your current situation and future requirements.

An initial meeting is always FREE OF CHARGE and carries no obligation. Let's talk!

In one of three ways:

1. Some of our clients choose to pay a fee for our services.
2. Alternatively, we receive commission from companies recommended.
3. Or a combination of both.

Appropriate and specific advice is provided - How we work with you is entirely your choice.