Welcome.... Independent Financial Advisers who listen, understand and then provide financial solutions. With all new clients our primary responsibility is to listen. Only when we clearly understand our client’s current financial situation, as well as their future financial needs and aspirations, are we then in a position to consider the best means of helping to achieve these. We work with our clients to both advise and protect them appropriately and tax efficiently. We offer a comprehensive service for all your investment and protection needs: Pension Planning • When do you want to retire and how much income will you need? Life Assurance • How much cash would your family need to maintain their current lifestyle if you die prematurely? Income Protection • Would you require a regular income or a cash sum if you suffered a serious illness or disability? Investments/Regular Savings • Are you making the best use of any spare capital or surplus income? Mortgages and Secured Loans • Do you want to reduce your current mortgage outlay or are you moving home?   Authorised and Regulated by the Financial Services Authority. Registered in Scotland No. Company Registration Number. Registered Office: 95 High Street, Forres, Moray, IV36 1AA Tel/Fax: (01309) 675757 FSA Firm Number: 432976