Business Details
26 Years
experience
Your Trusted Financial Advisers in Galashiels
Lowland Financial is an independent financial advisory firm established in 2000, dedicated to providing tailored financial planning solutions across pensions, investments, and protection. Our team of experienced professionals, based in Galashiels, serves clients throughout the Scottish Borders and beyond, combining local expertise with a commitment to client-centric service. With over two decades of industry experience, we specialise in helping individuals maximise their financial futures through comprehensive retirement planning, strategic investment advice, and bespoke protection strategies. As part of the Loyal North Group, we maintain rigorous professional standards, ensuring transparency, integrity, and accountability in all our client relationships.Our approach prioritises regular reviews and adaptable strategies to navigate evolving financial landscapes, supported by a team with extensive qualifications and sector knowledge. Clients consistently praise our ability to simplify complex financial matters, offering clear guidance and actionable solutions that align with individual goals. We pride ourselves on fostering long-term trust through no-obligation consultations and a dedication to exceeding client expectations in every interaction.
Services
Pensions
Investments
Protection
Retirement Planning
Mortgages
Details
- Year established: 2000
Highlights and features
- We have over 20 years of experience in independent financial advisory services.
- Our team includes certified professionals with extensive pensions and investments expertise.
- We provide tailored financial planning solutions adapted to individual client needs.
- Regular portfolio reviews ensure your financial strategy evolves with market changes.
- We maintain transparent fee structures with no hidden charges for all services.
Associations and certifications
- Financial Conduct Authority
What people say
Expertise and enthusiasm
Made a significant difference
Clear guidance
Tailored solutions
Long-term trust
Services
Pensions
Our comprehensive pension advisory service helps clients navigate retirement options, from initial planning to implementation. We analyse individual circumstances to create tailored strategies that maximise retirement income while considering tax efficiency and long-term sustainability. With expertise in self-invested pensions and tax-free cash options, we ensure clients make informed decisions aligned with their financial goals.
Investments
We offer impartial investment advice covering diverse strategies and products. By assessing risk tolerance and financial objectives, we develop customised portfolios designed to achieve long-term growth. Our approach combines market analysis with regular performance reviews to adapt to changing economic conditions and maintain alignment with client aspirations.
Protection
Our protection services safeguard clients against financial risks through life assurance, critical illness cover, and income protection. We evaluate individual needs to recommend cost-effective solutions that secure financial stability during unexpected events. This ensures clients maintain their financial trajectory despite potential health challenges or income disruptions.
People
David Nichol
Managing Director & Financial Adviser
With over two decades of financial advisory experience since 2000, David leads our team with expertise in client relationship management and strategic financial planning. He specialises in retirement solutions and has a proven track record in delivering tailored investment strategies.
Ross Hutchison
Financial Adviser
Bringing 20+ years of client servicing experience from St James Place Wealth Management, Ross focuses on building long-term client relationships. His expertise spans comprehensive financial planning and pension optimisation strategies for new and existing clients.
Joe Fielding
Financial Adviser
With eight years in financial services, Joe specialises in holistic financial planning. His approach combines technical expertise with clear communication to help clients achieve their long-term financial objectives through structured investment and retirement strategies.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, protection planning, and retirement strategies tailored to individual client needs.
Do you offer remote advisory services?
Yes, we provide fully remote client servicing options for clients outside the Scottish Borders region.
How do you charge for your services?
We maintain transparent fee structures with no hidden charges, ensuring full cost clarity before service commencement.
What areas do you cover?
We primarily serve the Scottish Borders including Peeblesshire, Selkirkshire, Roxburghshire, and Berwickshire.
Can you help with pension transfers?
Yes, we provide expert guidance on pension transfers and optimisation strategies as part of our retirement planning services.
How often do you review financial plans?
We conduct regular reviews to ensure financial plans remain aligned with evolving market conditions and client objectives.
Reviews (3)
Graham Russell
Dec 22, 2021
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Graeme and Lowland Financial have looked after our investments, and given us financial advice, for apprx 20 years. During this period our funds have significantly grown well in excess of inflation, even during periods of international downturns. A highly recommended company *****
Andrew Poole
Dec 20, 2021
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Absolutely first class company. David is very professional, very thorough and very personable. We are a delighted client and would strongly recommend Lowland Financial to guide you through retirement planning and investing.
Ruth Ruthven
Dec 15, 2021
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Offer an excellent level of support, knowledge and advice, and the service provided is always of a very high standard. I have felt very much cared for as an individual by the staff there and the welcome and friendly approach they extend is always a joy.
