Business Details
50+ Years
experience
Your Trusted Partner for Independent Financial Advice
Established in 1975, we are a client-focused financial advisory firm with a legacy of integrity and expertise. As an employee-owned business, we prioritise transparency and long-term relationships, managing over 1 billion in client funds. Regulated by the Financial Conduct Authority (FCA No: 114423), our approach combines decades of experience with a commitment to plain-speaking advice. We specialise in financial planning, investments, pensions, and asset protection, tailored to individual client needs.Our team of award-winning professionals has navigated economic challenges for over five decades, ensuring clients' financial security across generations. Headquartered in Linlithgow, we serve clients nationwide, offering independent guidance to help achieve both immediate and long-term financial goals. Our philosophy remains rooted in the principles set by our founder, Alan Steel: honesty, clarity, and unwavering dedication to client interests.
Services
Financial Planning
Investments
Pensions
Asset Protection
Details
- Year established: 1975
Highlights and features
- We have over 50 years of experience in financial advisory services
- We are employee-owned and independent
- We manage over 1 billion in client funds
- Our team consists of certified financial professionals
- We provide transparent and jargon-free advice
Associations and certifications
- Financial Conduct Authority (FCA No: 114423)
Services
Financial Planning
We create tailored financial plans aligned with your life goals, considering income, assets, and future aspirations. Our experts analyse your current position to develop actionable strategies for growth and security. With regular reviews, we ensure your plan adapts to changing circumstances and market conditions.
Investments
Our investment approach balances risk and return through diversified portfolios tailored to your objectives. We monitor global markets continuously, adjusting holdings to capitalise on opportunities while maintaining alignment with your risk tolerance. Performance reporting ensures complete transparency and informed decision-making.
Pensions
We optimise pension arrangements to maximise retirement income while minimising tax liabilities. Services include pension consolidation, drawdown strategies, and lifetime allowance management. Our FCA-regulated advice ensures compliance with evolving legislation while securing your financial future.
Asset Protection
Our protection strategies safeguard your assets against unforeseen events through appropriate insurance solutions. We assess life, critical illness, and income protection needs to create comprehensive safety nets. Regular reviews ensure coverage remains adequate as your circumstances evolve.
People
Steve Forbes
Financial Director
With over 25 years in financial services, Steve leads our investment strategy team. His expertise in market analysis and client-focused approach has earned industry recognition. Steve contributes regular insights on economic trends and financial planning.
Questions
What areas do you cover?
We operate from Linlithgow, West Lothian, and serve clients throughout the UK with tailored financial solutions.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA No: 114423).
How do you charge for services?
Our fee structure is transparent and agreed upfront. Charges vary based on service complexity and client requirements.
What investment options do you offer?
We provide access to a wide range of investment vehicles including funds, equities, bonds, and alternative assets.
How often are reviews conducted?
We recommend annual reviews, with additional meetings available for significant life changes or market events.
Can you help with tax-efficient planning?
While we don't provide tax advice, we work closely with tax professionals to develop tax-efficient financial strategies.
