Business Details
26 Years
experience
Trusted Financial Advisers in Galashiels
Established in 2000, Lowland Financial is an independent financial advisory firm based in Galashiels, specialising in pensions, investments, and protection. Our team of experienced advisers delivers tailored financial planning solutions to clients across the Scottish Borders and beyond. With over 50 years of combined expertise, we prioritise client needs through transparent advice and a commitment to exceeding expectations. Our services are designed to help individuals maximise their financial futures, whether planning for retirement, managing investments, or securing protection. We operate under the regulatory oversight of the Financial Conduct Authority, ensuring adherence to the highest standards.Clients consistently praise our approachable, jargon-free communication and the confidence they gain from our strategic guidance. Our history as a split from Lowland Insurance Brokers in 2000 allowed us to focus exclusively on financial planning, building trust through referrals and long-term relationships. We offer remote servicing options for clients outside our local area, maintaining the same level of personalised attention. Our values of integrity, quality, and client commitment underpin every decision we make.
Services
Pensions
Investments
Protection
Mortgages
Retirement Planning
Details
- Year established: 2000
Highlights and features
- We have over 20 years of experience in independent financial advisory services.
- Our team provides transparent, jargon-free advice tailored to individual client needs.
- We offer remote client servicing options for customers outside the Scottish Borders.
- Clients benefit from our FCA-authorised regulatory compliance and ethical standards.
- Our retirement planning strategies have helped clients maximise tax-free income.
Associations and certifications
- Financial Conduct Authority
What people say
Enthusiastic
Informed decisions
Optimistic mood
Critical illness support
Tax-free income strategies
Services
Pensions
We create tailored pension strategies to secure your retirement. Our advisers analyse your financial situation to recommend optimal pension consolidation, tax-free cash options, and income drawdown solutions. Clients benefit from our expertise in navigating complex retirement regulations.
Investments
Our investment advice focuses on aligning strategies with your risk tolerance and timescales. We recommend diversified portfolios using market-leading products to grow and protect your assets. Regular reviews ensure your investments remain aligned with evolving financial goals.
Protection
We design protection plans safeguarding against life's uncertainties. Our services include life assurance, critical illness cover, and income protection tailored to your family's needs. We source competitive policies ensuring comprehensive coverage without unnecessary costs.
Mortgages
Our mortgage advice covers first-time purchases, remortgaging, and buy-to-let investments. We compare market options to find competitive rates matching your financial circumstances. Clients receive guidance on affordability and long-term mortgage planning.
Retirement Planning
We develop comprehensive retirement strategies considering income needs and longevity. Our advice includes state pension optimisation, annuity options, and tax-efficient withdrawals. Regular reviews adapt plans to changing personal circumstances and market conditions.
People
David Nichol
Managing Director & Financial Adviser
Qualified adviser since 2000 with experience at major banks. Joined Lowland in 2020, becoming Managing Director in 2022. Specialises in client relationship management and retirement planning.
Ross Hutchison
Financial Adviser
Joined Lowland in 2023 after 20+ years in client servicing. Focuses on building long-term client relationships through tailored financial solutions. Brings expertise from St James Place Wealth Management.
Joe Fielding
Financial Adviser
Qualified adviser with 8 years' industry experience. Specialises in comprehensive financial planning for clients across all life stages. Joined Lowland in 2024 after transitioning from Yorkshire.
Rachael Dytor
Senior Administrator
Has worked in financial services since 2008. Combines administrative excellence with creative writing, having published a psychological thriller. Ensures smooth operational support for client services.
Michelle Scott
Operations Manager
Brings IT and managerial expertise from the housing sector. Joined in 2021 to strengthen operational systems. Oversees technical infrastructure and process efficiency improvements.
Questions
What financial services do you specialise in?
We focus on pensions, investments, protection, and retirement planning tailored to individual client needs.
How do you work with remote clients?
We offer full remote servicing via video calls and secure document sharing for clients outside the Scottish Borders.
Are there any hidden fees?
No, we maintain complete transparency with no hidden charges for any of our advisory services.
How experienced is your team?
Our advisers have combined experience spanning over 50 years in financial services and planning.
Can you help with pension transfers?
Yes, we specialise in pension consolidation and transfer strategies to optimise retirement outcomes.
How do I schedule a consultation?
Contact us via phone or email for a free initial consultation to discuss your financial goals.
